Zvashandiswa chikuru kugutsikana
menyu
menyu

Health Care Basics

Inowanikwa ND

Health Care Basics

Inishuwarenzi yehutano inobatsira kubhadhara mari paunenge uchida kutarisirwa

Hapana anoronga kurwara kana kukuvadzwa, asi hutano hwako hunogona kuchinja mukubwaira kweziso. Vanhu vazhinji vanoda kurapwa pane imwe nguva. Inishuwarenzi yehutano inobatsira kubhadhara idzi mitengo uye inokudzivirira kubva kune yakanyanya kudhura.

CHII CHINONZI INSURANCE YEUTANO

Inishuwarenzi yehutano chibvumirano pakati pako nekambani yeinishuwarenzi. Iwe unotenga chirongwa, uye kambani inobvuma kubhadhara chikamu chemari yako yekurapa paunorwara kana kukuvara.
Zvirongwa zvese zvinopihwa muMusika zvinovhara aya gumi akakosha ehutano mabhenefiti:

  • Ambulatory murwere masevhisi (kurapwa kwevarwere kwaunowana usina kubvumirwa kuchipatara)
  • Emergency Services
  • Kugara muchipatara (sekuvhiyiwa uye kugara kwehusiku)
  • Kubata pamuviri, kusununguka uye kutarisira achangoberekwa (zvose zvisati zvaitika uye mushure mekuberekwa)
  • Utano hwepfungwa nekushandisa zvinodhaka masevhisi, kusanganisira kurapwa kwehutano hwehutano (izvi zvinosanganisira kuraira uye psychotherapy)
  • Mishonga yekunyorerwa
  • Rehabilitative uye habilitative services uye zvishandiso (masevhisi uye zvishandiso kubatsira vanhu vane kukuvara, kuremara, kana kusingaperi mamiriro kuwana kana kugadzirisa hunyanzvi hwepfungwa uye hwepanyama)
  • Laboratory masevhisi
  • Masevhisi ekudzivirira uye ehutano uye kutonga kwechirwere chisingaperi
  • Masevhisi evana, kusanganisira nemuromo uye netarisiro yekuona (asi mazino evakuru uye kutarisirwa kwekuona hazvisi zvakakosha zvehutano)

Inishuwarenzi yehutano chibvumirano pakati pako nekambani yeinishuwarenzi. Paunotenga chirongwa, kambani inobvuma kubhadhara chikamu chemari yako yekurapa paunorwara kana kukuvara.

MAHARA DZIVIRIRO YEKUDZIVIRIRA

Zvizhinji zvezvirongwa zvehutano zvinofanirwa kuvhara seti yekudzivirira masevhisi, senge mapfuti uye bvunzo dzekuongorora, pasina muripo kwauri. Izvi ndezvechokwadi kunyangwe iwe usati wasangana neyako yegore deductible. Masevhisi ekudzivirira anodzivirira kana kuona hurwere padanho rekutanga apo kurapwa kungangoshanda zvakanyanya. Aya masevhisi ndeemahara chete kana iwe uchinge waawana kubva kuna chiremba kana mumwe mupi wekupa mune yako chirongwa network.

Heano mamwe masevhisi akajairika kune vese vakuru:

  • Kuongororwa kweropa
  • Cholesterol kuongorora: mamwe mazera + ayo ari panjodzi huru
  • Depression screenings
  • Immunizations
  • Obesity kuongororwa uye mazano

kushanya Healthcare.gov/coverage/preventive-care-benefits/ kune runyorwa ruzere rwemasevhisi ekudzivirira kune vese vakuru, vakadzi, uye vana.

INOBATSIRA KUBHADHARA KUTI UCHENGE

Waiziva here kuti mari yepakati pekugara muchipatara kwemazuva matatu imadhora makumi matatu? Kana kuti kugadzirisa gumbo rakatyoka kunogona kuita $30,000? Kuve neinishuwarenzi yehutano inogona kukudzivirira kubva kumitengo yakakwira, isingatarisirwi seizvi.
Inishuwarenzi yako kana pfupiso yemabhenefiti uye yekuvhara ichakuratidza kuti ndeapi marudzi ekutarisira, marapirwo, uye masevhisi chirongwa chako chinovhara, kusanganisira kuti yakawanda sei iyo kambani yeinishuwarenzi ichabhadhara kurapwa kwakasiyana mumamiriro akasiyana.

  • Mitemo yeinishuwarenzi yehutano yakasiyana inogona kupa zvikomborero zvakasiyana.
  • Iwe unogona kubhadhara mari inobviswa gore rega rega kambani isati yatanga kubhadhara kutarisira kwako.
  • Iwe unogona kubhadhara coinsurance kana copayment paunowana kurapwa.
  • Zvirongwa zveinishuwarenzi yehutano chibvumirano netiweki ezvipatara, vanachiremba, ma pharmacy, uye vatapi vehutano.

CHAUNOBHADHARA 

Iwe unowanzo kubhadhara premium mwedzi wega wega wehutano hwehutano, uye iwe unogonawo kusangana nekubviswa kwegore negore. A deductible ndiyo mari yaunokwereta yehutano hwehutano hwehutano husati hwatanga inshuwarisi yehutano kana chirongwa chinotanga kubhadhara. Iyo inobviswa inogona kusashanda kune ese masevhisi.

Yakawanda sei yaunobhadhara yako premium uye deductible zvinoenderana nerudzi rwekuvhara kwaunayo. Polisi ine mari yakachipa inogona kusavharira masevhisi mazhinji uye marapirwo.
Zvakangokosha semutengo weprimiyamu uye inobviswa marii yaunofanira kubhadhara kana wawana masevhisi.

Mienzaniso inosanganisira:

  • Zvaunobhadhara kunze-kwe-homwe yebasa mushure mekubhadhara iyo deductible (coinsurance kana copayments)
  • Yakawanda sei yakazara iwe yauchafanira kubhadhara kana iwe ukarwara (iyo yekunze-ye-homwe yakakura)

GADZIRIRA KUNYORORA

ZVINHU ZVINHU ZVAUNOGONA KUITA KUTI UZOGADZIRIRA KUNYORORA

  1. Sangana nemufambisi wenzvimbo yako Kana kushanyira HutanoHare.gov. Dzidza zvakawanda nezveHealth Insurance Marketplace, nezvimwe zvirongwa zvakaita seMedicaid, neChirongwa cheInishuwarenzi Yehutano Yevana (CHIP).
  2. Bvunza waunoshandira kana ichipa inishuwarenzi yehutano. Kana wako waunoshandira asingape inishuwarenzi yehutano, unogona kuwana kuvharwa kuburikidza neMusika kana mamwe masosi.
  3. Ita rondedzero yemibvunzo isati yasvika nguva yekusarudza hurongwa hwehutano hwako. Semuenzaniso, "Ndingagara nachiremba wangu iye zvino?" kana kuti “Urongwa uhwu huchabhadhara mari yeutano hwangu pandinenge ndichifamba here?”
  4. Unganidza ruzivo rwekutanga nezve mari yemhuri yako. Iwe uchada ruzivo rwemari kubva kune yako W-2, kubhadhara stubs, kana mutero kudzoka.
  5. Ronga bhajeti yako. Kune marudzi akasiyana ezvirongwa zvehutano zvekusangana nemhando dzakasiyana dzezvido uye bhajeti. Iwe unozofanirwa kuona kuti imarii yaunokwanisa kushandisa pamaprimiyamu mwedzi wega wega, uye kuti yakawanda sei yaunoda kubhadhara kunze-ye-homwe yezvinyorwa kana mabasa ekurapa.

1. ISA UTANO HWAKO PANGIRI

  • Kugara uine hutano kwakakosha iwe nemhuri yako.
  • Chengetedza mararamiro ane hutano kumba, kubasa, uye munharaunda.
    Tora kuongororwa kwako kwehutano kwakakurudzirwa uye gadzirisa zvirwere zvisingaperi.
  • Chengetedza ruzivo rwehutano hwako hwose munzvimbo imwechete.

2. KUNZWISISA KUFUDZWA KWEUTANO HWAKO

  • Tarisa nehurongwa hweinishuwarenzi yako kana nyika
  • Medicaid kana CHIP chirongwa kuti uone kuti masevhisi akafukidzwa.
  • Iva neruzivo nezvemitengo yako (maprimiyamu, macopayments, deductibles, co-inishuwarenzi).
  • Ziva musiyano uripo pakati pe-network ne-out-of-network.

3. ZIVA KWEKUNOENDA KUCHENGETA

  • Shandisa dhipatimendi rekukurumidzira kune mamiriro ezvinhu anotyisidzira hupenyu.
  • Kuchengeta kwekutanga kunodiwa kana isiri emergency.
  • Ziva musiyano uripo pakati pekutarisira kwekutanga nekuchengetedzwa kwechimbichimbi.

2. KUNZWISISA KUFUDZWA KWEUTANO HWAKO

  • Tarisa nehurongwa hweinishuwarenzi yako kana nyika
  • Medicaid kana CHIP chirongwa kuti uone kuti masevhisi akafukidzwa.
  • Iva neruzivo nezvemitengo yako (maprimiyamu, macopayments, deductibles, co-inishuwarenzi).
  • Ziva musiyano uripo pakati pe-network ne-out-of-network.

3. ZIVA KWEKUNOENDA KUCHENGETA

  • Shandisa dhipatimendi rekukurumidzira kune mamiriro ezvinhu anotyisidzira hupenyu.
  • Kuchengeta kwekutanga kunodiwa kana isiri emergency.
  • Ziva musiyano uripo pakati pekutarisira kwekutanga nekuchengetedzwa kwechimbichimbi.

4. TSVAGA MUPI

  • Bvunza vanhu vaunovimba navo uye/kana tsvagiridzo painternet.
  • Tarisa rondedzero yehurongwa hwevanopa.
  • Kana iwe wakapihwa mubatsiri, bata chirongwa chako kana iwe uchida kuchinja
  • Kana iwe wakanyoresa kuMedicaid kana CHIP, bata chirongwa chako cheMedicaid kana CHIP kuti ubatsirwe.

5. ITA CHIKORORO

  • Taura kana uri murwere mutsva kana kuti wakambovapo.
  • Ipa zita reurongwa hweinishuwarenzi yako uye bvunza kana vakatora inishuwarenzi yako.
  • Vaudze zita remupi waunoda kuona uye nei uchida kuonana.
  • Kumbira mazuva kana nguva dzinoshanda kwauri.

4. TSVAGA MUPI

  • Bvunza vanhu vaunovimba navo uye/kana tsvagiridzo painternet.
  • Tarisa rondedzero yehurongwa hwevanopa.
  • Kana iwe wakapihwa mubatsiri, bata chirongwa chako kana iwe uchida kuchinja
  • Kana iwe wakanyoresa kuMedicaid kana CHIP, bata chirongwa chako cheMedicaid kana CHIP kuti ubatsirwe.

5. ITA CHIKORORO

  • Taura kana uri murwere mutsva kana kuti wakambovapo.
  • Ipa zita reurongwa hweinishuwarenzi yako uye bvunza kana vakatora inishuwarenzi yako.
  • Vaudze zita remupi waunoda kuona uye nei uchida kuonana.
  • Kumbira mazuva kana nguva dzinoshanda kwauri.

6. GADZIRIRA KUSHANYA KWAKO

  • Iva nekadhi rako reinishuwarenzi newe.
  • Ziva nhoroondo yehutano hwemhuri yako uye nyora pasi chero mishonga yaunotora.
  • Uya nerondedzero yemibvunzo nezvinhu zvokukurukura, uye nyora manotsi pakushanya kwako.
  • Huya nemumwe munhu kuti akubatsire kana uchida.

7. SARUDZA KANA MUPI AKAKUKANERERA

  • Wakanzwa wakasununguka here nemupi wawaona?
  • Wakakwanisa kutaurirana uye kunzwisisa mupi wako here?
  • Wakanzwa sekuti iwe nemupi wako mungaita sarudzo dzakanaka pamwechete?
  • Rangarira: zvakanaka kuchinja kune mumwe mupi!

8. ZVINHU ZVINOTEVERA PASHURE PAKUPINGWA KWAKO

  • Tevera mirairo yeanokupa.
  • Zadza chero mishonga yawakapihwa, uye tora sekurairwa.
  • Ronga kushanya kwekutevera kana uchida imwe.
    Ongorora tsananguro yako yemabhenefiti uye bhadhara mari yako yekurapa.
  • Bata mupi wako, chirongwa chehutano, kana nyika Medicaid kana CHIP agency uine chero mibvunzo.

Kwakabva: Nzira Yako Yehutano. Nzvimbo dzeMedicaid & Medicare Services. Sept. 2016.

Bhuku iri rinotsigirwa neCenters for Medicare and Medicaid Services (CMS) yeUnited States Department of Health and Human Services (HHS) sechikamu chemubairo werubatsiro rwemari unosvika $1,200,000 ne100 percent inotsigirwa neCMS/HHS. Zviri mukati ndeizvo zvevanyori uye hazvireve hazvo maonero epamutemo e, kana kutsigirwa, neCMS/HHS, kana Hurumende yeUS.