Njira zisanu ndi zitatu zochepetsera ndalama zothandizira

Mtengo wa chisamaliro chaumoyo ukupitilizabe kukwera. Ichi ndichifukwa chake zimathandiza kuphunzira momwe mungachitire zochepetsera ndalama zomwe mumalandira m'thumba.

Phunzirani momwe mungasungire ndalama ndikulandirabe chisamaliro chomwe mukufuna. Yambani poyang'ana zambiri zamapulani anu kuti mudziwe ntchito zomwe zilipo. Yesani maupangiri pansipa kuti akuthandizeni kuti mupindule kwambiri ndi mapindu anu ndikusunga ndalama mukuwasamalira.

1. Sungani Ndalama Pamankhwala

Pali njira zingapo zochepetsera ndalama pamankhwala anu.

• Funsani wothandizira zaumoyo wanu ngati mungathe kusintha mankhwala omwe mungapeze. Alinso ndi chinthu chimodzi chogwira ntchito, koma mtengo wake ndi wotsika kuposa mankhwala osokoneza bongo.
• Funsani omwe akukuthandizani ngati pali mankhwala otsika mtengo omwe amathandizanso chimodzimodzi.
• Onani ngati mungathe kuyitanitsa mankhwala anu kudzera pamakalata.
• Tengani mankhwala anu onse monga mwauzidwa. Kusamwa mankhwala anu kapena kusamwa mankhwala okwanira kungayambitse mavuto ena azaumoyo.

2. Gwiritsani Ntchito Mapindu Anu

• Pezani kuyezetsa kwanthawi zonse. Mayesowa amatha kuthana ndi mavuto azaumoyo koyambirira, pomwe atha kuchiritsidwa mosavuta. Ndipo nthawi zambiri simuyenera kulipira ndalama zolipirira ziweto, katemera, komanso kuchezera bwino pachaka.
• Pezani chisamaliro chapakati ngati muli ndi pakati. Iyi ndi njira yabwino kwambiri yowonetsetsa kuti inu ndi mwana wanu muli ndi thanzi labwino.
• Ndondomeko zina zaumoyo zimapereka othandizira pazachipatala kapena oyang'anira milandu. Wothandizira zaumoyo atha kukuthandizani kuti mupindule kwambiri. Woyang'anira milandu akhoza kukuthandizani kuthana ndi zovuta zovuta monga matenda ashuga kapena mphumu.
• Gwiritsani ntchito ntchito zaulere komanso zotsitsidwa. Madongosolo ambiri azaumoyo amapereka kuchotsera pazinthu monga ziwalo zolimbitsa thupi kapena zovala.

3. Konzekerani Patsogolo Pazithandizo Zachangu ndi Zachangu

Matenda kapena chovulala chikachitika, muyenera kusankha kuti ndi choopsa bwanji komanso kuti mupeza chithandizo chamankhwala posachedwa bwanji. Izi zikuthandizani kusankha kuyimbira omwe akukuthandizani, kupita kuchipatala chamankhwala mwachangu, kapena kupeza chithandizo chadzidzidzi.

Mutha kusankha komwe mungasamalire poganizira momwe mungafunire chisamaliro mwachangu.

• Ngati munthu kapena mwana wosabadwa atha kufa kapena kuvulazidwa kwathunthu, ndizadzidzidzi. Zitsanzo zimaphatikizapo kupweteka pachifuwa, kupuma movutikira, kapena kupweteka kwambiri kapena kutuluka magazi.
• Ngati mukufuna chisamaliro chomwe sichingadikire tsiku lotsatira kuti muwone omwe akukupatsani, muyenera thandizo lachangu. Zitsanzo za chisamaliro chofulumira zimaphatikizira kukhosi, matenda a chikhodzodzo, kapena kuluma galu.

Mudzasunga nthawi ndi ndalama ngati mutagwiritsa ntchito malo osamalirako mwachangu kapena mukawona omwe akukuthandizani m'malo mopita ku dipatimenti yadzidzidzi. Konzekerani zamtsogolo podziwa malo operekera chisamaliro omwe ali pafupi nanu. Komanso, phunzirani momwe mungazindikire zadzidzidzi kwa akulu komanso mwa mwana.

4. Funsani Pazipatala Zakuchipatala

Ngati mukufuna njira kapena opareshoni, funsani omwe akukuthandizani ngati mungathe kuchita nawo kuchipatala cha odwala. Nthawi zambiri, kupeza chithandizo kuchipatala ndikotsika mtengo kuposa kuchita chimodzimodzi kuchipatala.

5. Sankhani Opereka Chithandizo Cha In-Network

Kutengera ndikutetezedwa kwathanzi lanu, mutha kukhala ndi mwayi wowona omwe amapereka omwe ali mu netiweki kapena kunja kwa netiweki. Mumalipira ndalama zochepa kuti muwone omwe akupereka ma intaneti, chifukwa ali ndi mgwirizano ndi thanzi lanu. Izi zikutanthauza kuti amalipiritsa mitengo yotsika.

6. Samalirani Thanzi Lanu

Njira yosavuta yopulumutsira ndalama kuchipatala ndikukhala athanzi. Inde, nthawi zina zimakhala zosavuta kunena kuposa kuchita. Koma kukhala wathanzi, kuchita masewera olimbitsa thupi pafupipafupi, komanso kusuta fodya kumachepetsa chiopsezo cha matenda. Kukhala wathanzi kumakuthandizani kupewa mayesero okwera mtengo ndi chithandizo chazovuta monga matenda ashuga kapena matenda amtima.

7. Sankhani Ndondomeko Yathanzi Loyenera.

Posankha pulani, ganizirani zosowa zaumoyo wanu ndi banja lanu. Ngati mutasankha dongosolo lokhala ndi ndalama zambiri, ndalama zanu zambiri zimakonzedwa. Limeneli lingakhale lingaliro labwino ngati muli ndi mavuto azaumoyo, monga matenda ashuga, ndipo mukufuna chisamaliro chanthawi zonse. Ngati simukusowa chithandizo chamankhwala, ndiye kuti mungafune kusankha mapulani okhala ndi ndalama zambiri. Mumalipira ndalama zochepa pamwezi ndipo mwina mumasunga ndalama zonse. Komanso yerekezerani ndi mankhwala omwe mumalandira.

8. Gwiritsani Ntchito Akaunti Yosunga Zaumoyo (HSA) kapena Flexible Spending Account (FSA)

Olemba ntchito ambiri amapereka HSA kapena FSA. Awa ndi maakaunti osungira omwe amakupatsani mwayi wopatula ndalama zamsonkho zisanachitike. Izi zingakuthandizeni kupulumutsa madola mazana angapo pachaka. Ma HSA ndi anu, amapeza chiwongola dzanja, ndipo amatha kusamutsidwa kwa wolemba anzawo ntchito watsopano. Ma FSA ndi abwana anu, samapeza chiwongola dzanja, ndipo ayenera kugwiritsidwa ntchito mchaka cha kalendala.

American Board of Internal Medicine (AMBI) Maziko. Kusankha mwanzeru: zothandizira odwala. www.choosingwisely.org/patient-source. Idapezeka pa Okutobala 29, 2020.

Malo Othandizira Kuteteza ndi Kuteteza tsamba lawebusayiti. Onani mayeso ndi katemera womwe inu kapena wokondedwa wanu muyenera kukhala athanzi. www.cdc.gov/prevention/index.html. Idasinthidwa pa Okutobala 29, 2020. Idapezeka pa Okutobala 29, 2020.

Healthcare.gov tsamba. Maofesi a US ku Medicare & Medicaid Services. Ntchito zodzitetezera. www.healthcare.gov/coverage/preventive-care-benefits. Idapezeka pa Okutobala 29, 2020.

Gulu Lankhondo Laku US Lodzitchinjiriza. Sakatulani zambiri kwa ogula. www.uspreventiveservicestaskforce.org/uspstf/browse-information-consumers. Idapezeka pa Okutobala 29, 2020.

• Thandizo lazachuma