Kumvetsetsa ndalama zanu zachipatala

Ngati mwakhala mukugonekedwa mchipatala, mudzalandira bilu yomwe ikulemba ndalamazo. Ndalama zapachipatala zitha kukhala zovuta komanso zosokoneza. Ngakhale zingaoneke zovuta kuchita, muyenera kuyang'anitsitsa bilu ndikufunsa mafunso ngati muwona china chake chomwe simukuchimvetsa.

Nawa maupangiri owerengera ndalama zanu zachipatala ndi malingaliro pazomwe mungachite mukapeza cholakwika. Kuyang'anitsitsa ngongole yanu kungakuthandizeni kusunga ndalama.

Ndalama ya kuchipatala idzalemba mndandanda wa milandu ikuluikulu yomwe mudapitako. Ili ndi mndandanda wazithandizo zomwe mudalandira (monga njira ndi mayeso), komanso mankhwala ndi zinthu zina. Nthawi zambiri, mudzalandira ndalama zapadera zolipirira othandizira azaumoyo. Ndibwino kupempha ndalama zambiri zachipatala ndi milandu yonse yomwe ikufotokozedwa mosiyana. Izi zitha kukuthandizani kuti muwonetsetse kuti biluyi ndi yolondola.

Ngati muli ndi inshuwaransi, mutha kupezanso fomu kuchokera ku kampani yanu ya inshuwaransi, yotchedwa Explanation of Benefits (EOB). Iyi si ndalama. Imafotokoza kuti:

• Zomwe zimaphimbidwa ndi inshuwaransi yanu
• Ndalama zolipira zomwe zaperekedwa ndi kwa ndani
• Kuchotsa kapena kuchotsera ndalama

Chodulidwa ndi kuchuluka kwa ndalama zomwe mumayenera kulipira chaka chilichonse kuti mulipirire zomwe mumalandira mukadalipira inshuwaransi yanu. Coinsurance ndiye ndalama zomwe mumalipira mukalandira inshuwaransi yanu. Nthawi zambiri amaperekedwa ngati peresenti.

Zomwe zili pa EOB ziyenera kufanana ndi ndalama zanu zachipatala. Ngati sichoncho, kapena pali china chake chomwe simukuchimvetsa, itanani kampani yanu ya inshuwaransi.

Zolakwitsa pamalipiro anu azachipatala zitha kukuwonongerani ndalama. Chifukwa chake ndikofunikira kukhala ndi nthawi yowunika bilu yanu. Onani zinthu izi mosamala:

• Madeti ndi kuchuluka kwa masiku. Onetsetsani kuti madeti a biluyi agwirizana pamene munali kuchipatala. Ngati munaloledwa pambuyo pausiku, onetsetsani kuti milandu ikuyamba patsikuli. Ngati mwatulutsidwa m'mawa, onetsetsani kuti simukulipilitsidwa chindapusa chokwanira cha tsiku ndi tsiku.
• Zolakwika manambala. Ngati chindapusa chikuwoneka chokwera kwambiri, onetsetsani kuti palibenso maziro owonjezera pambuyo pa nambala (mwachitsanzo, 1,500 m'malo mwa 150).
• Milandu iwiri. Onetsetsani kuti simulipidwa kawiri pantchito yomweyo, mankhwala, kapena zinthu zina.
• Mankhwala amalipiritsa. Ngati munabweretsa mankhwala anu kuchokera kunyumba, onetsetsani kuti simunalipidwe. Ngati wothandizirayo akupatsani mankhwala opangira mankhwala, onetsetsani kuti simukulipiritsa mtundu wa dzina.
• Malipiro azinthu zanthawi zonse. Funsani zolipiritsa pazinthu monga magolovesi, malaya, kapena ma sheet. Ayenera kukhala gawo lazachipatala zonse.
• Mtengo wowerengera mayeso kapena mapanga. Muyenera kulipidwa kamodzi kokha, pokhapokha mutakhala ndi lingaliro lachiwiri.
• Ntchito yoletsedwa kapena mankhwala. Nthawi zina, woperekayo amayesa kuyesa, njira, kapena mankhwala omwe amaletsedwa pambuyo pake. Onani ngati zinthuzi sizili pa bilu yanu.

Ngati munachitidwa opaleshoni kapena njira ina, zimathandiza kudziwa ngati chipatala chanu chinkalipira mtengo wokwanira. Pali masamba ena omwe mungagwiritse ntchito kukuthandizani kupeza izi. Amagwiritsa ntchito magawo azachipatala amitundu yonse. Mumayika dzina la ndondomekoyi ndi zip code yanu kuti mupeze mtengo wapakati kapena woyerekeza m'dera lanu.

• Zaumoyo Bluebook - www.healthcarebluebook.com
• FAIR Thanzi - www.fairhealth.org

Ngati zolipiritsa pa bilu yanu ndizokwera kuposa mtengo wokwera kapena wokwera kuposa zomwe zipatala zina zimakulipirani, mutha kugwiritsa ntchito chidziwitsochi kufunsa ndalama zochepa.

Ngati simukumvetsetsa zolipiritsa pa bilu yanu, zipatala zambiri zimakhala ndi alangizi azachuma kuti akuthandizeni pakalipira. Amatha kuthandiza kufotokozera biluyi mchilankhulo chomveka. Ngati mwalakwitsa, funsani dipatimenti yolipiritsa kuti akonze vutolo. Lembani tsiku ndi nthawi yomwe mwaitanira foni, dzina la munthu amene mudalankhula naye, ndi zomwe mwauzidwa.

Ngati mukupeza cholakwika ndipo simukumva kuti mukulandira thandizo lomwe mungafune, lingalirani kulemba ntchito woyimira milandu. Othandizira amalipiritsa chindapusa cha ola limodzi kapena peresenti ya ndalama zomwe mumasungira chifukwa chakuwunika kwawo.

Ngati simungathe kulipira ngongole yanu yonse tsiku lisanafike, mutha kukhala ndi mwayi wosankha. Funsani ku dipatimenti yolipiritsa kuchipatala ngati mungathe:

• Pezani kuchotsera ngati mumalipira ndalama zonse
• Lembani dongosolo lolipira
• Pezani thandizo la ndalama kuchipatala

Tsamba la American Academy of Family Physicians. Kumvetsetsa ngongole zanu zamankhwala. familydoctor.org/kumvetsetsa-milandu yanu- yamankhwala. Idasinthidwa pa Julayi 9, 2020. Idapezeka Novembala 2, 2020.

Tsamba la American Hospital Association. Kupewa zodabwitsa mu ngongole zanu zamankhwala. www.aha.org/guidesreports/2018-11-01-kupewetsa- zozizwitsa-milandu yanu- yamankhwala. Idasinthidwa Novembala 1, 2018. Idapezeka Novembala 2, 2020.

Tsamba la FAIR Health Consumer. Momwe mungayang'anire ndalama zanu zachipatala. www.fairhealthconsumer.org/insurance-basics/your-bill/how-to-review-your-medical-bill. Idapezeka pa Novembala 2, 2020.

• Inshuwalansi ya Zaumoyo