Njira 10 Zochepetsera Ndalama Zanu Zamankhwala

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CO-PAYS. ZOPHUNZITSA. NDALAMA ZONSE ZONSE. Zingamveke ngati mukufunikira kutaya akaunti yanu yonse kuti mukhale athanzi. Simuli nokha: Mmodzi mwa anthu asanu ndi amodzi aku America amawononga pafupifupi 10% ya ndalama zomwe amapeza pachaka pamankhwala, malipiro, ndi chithandizo chamankhwala. "Azimayi ambiri amaganiza kuti ndalamazi sizingasinthike," akutero a Michelle Katz, wolemba 101 Malangizo a Inshuwaransi Yaumoyo. "Koma n'zosavuta kusunga mazana a madola pa ngongole zanu chaka chilichonse polankhula ndi dokotala wanu kapena kusankha ndondomeko ina ya inshuwalansi." Pano, phunzirani chifukwa chake mukulipira kwambiri - komanso momwe mungabwezere ndalamazo m'thumba mwanu.

• Sankhani dongosolo mosamala Ikafika nthawi yoti mulembetsenso chaka chino, musayang'ane bokosi pafupi ndi mfundo zanu zamakono. "Unikeninso dongosolo lanu pachaka kuti muwonetsetse kuti likukwaniritsa zosowa zanu," akutero a Kimberly Lankford, wolemba Inshuwaransi Maze. Funso loyamba lomwe muyenera kufunsa ndiloti ngati muli ndi dokotala yemwe mumamukonda kapena matenda omwe amafunikira chisamaliro cha akatswiri. Ngati mwayankha kuti inde ku iliyonse, kubetcherana kwanu kwabwino kungakhale imodzi mwa mapulani a pricier preferredProvider Organisation (PPO) kapena pointof-service (POS), omwe amakupatsani ufulu wokaonana ndi dokotala aliyense, akutero Lankford. Nthawi zambiri, dokotala wapaintaneti amalipiritsa $ 10 mpaka $ 25 paulendo uliwonse; ndalama zakunja kwa netiweki ya MD zikulipirani 30% ya zolipiritsa zawo. Koma mukangoonana ndi dokotala wanu kangapo pachaka, bungwe losamalira thanzi labwino (HMO) lingakhale lokwanira bwino. Izi zimapereka madotolo angapo osankhidwa kuti azilipira zotsika mtengo komanso zolipirira limodzi.

  Ngati ndinu wodzilemba ntchito kapena abwana anu sakupereka inshuwaransi yazachipatala, yang'anani mawebusayiti ngati ehealthinsurance.com, omwe amafananiza mitengo ndi kufalikira ndi boma. Lankford anati: "Ganiziraninso ngati mukukonzekera kutenga mimba mkati mwa chaka, chifukwa sizinthu zonse zomwe zimalipira ndalamazo." Mukazindikira ntchito zonse zomwe mungafune, dinani manambalawo ndi chowerengera pa intaneti monga money-zine.com. "Musachite mantha ndi mfundo zokhala ndi ma deductibles apamwamba, ndalama zomwe mumayenera kulipira m'thumba musanalandire inshuwaransi," akutero a Lankford. "Zolingazi zimakhala ndi mtengo wotsika mtengo pamwezi, chifukwa chake zitha kukhala zofunikira ngati zosowa zanu zachipatala ndizochepa."

  
  
• Funsani mayesero anu "Madokotala samadziwa kwenikweni za mayeso ndi mayeso omwe amapezeka ndi inshuwaransi yanu," akutero Katz. Kuti mupewe zodabwitsa zamtengo wapatali, bweretsani mndandanda wa ma lab ovomerezeka ku nthawi yanu yoyamba ndi dokotala watsopano. Komanso fufuzani ndi omwe amakupatsani inshuwaransi musanakonzekere mankhwala kapena mayeso aliwonse, monga ma X-ray, MRIs, ndi ma ultrasound akupanga mawere; mungafunike kuti mulembedwe kapena kuvomerezedwa ndi mawu zisanachitike. Lembani aliyense amene mumalankhula naye komanso nthawi ndi deti limene munalankhulira.

• Kambiranani ndi dokotala wanu Ngati mukulipira ngongole zanu m'thumba, musachite manyazi kapena manyazi kufunsa dokotala kuti akuchepetseni. "Fotokozani momwe zinthu ziliri," akutero Katz. "Nena, 'Simuli pa network yanga, koma sindingadalire wina aliyense kuti achite izi. Kodi pali njira ina iliyonse yomwe mungandithandizire ine? " Njira imeneyi idagwirira ntchito Katz: Monga wophunzira wosaphunzitsidwa, adafunsa dokotala wodziwika bwino wam'deralo kuti amuchiritse. "Pomwe ndidasankhidwa koyamba, ndidakambirana naye mavuto anga azachuma," akutero. Osangomutumiza kuchipatala chotsika mtengo kwambiri chifukwa chakuchitidwa opaleshoni, adavomerezanso kuchita opaleshoni kwa theka la ndalama zake zonse. Kuonjezera apo, adamulola kuti alipire mtengo wake pamwezi, ndikumusungira ndalama zokwana madola 14,000. "Chinsinsi ndikukhazikitsa ubale weniweni ndi dokotala komanso ogwira nawo ntchito," atero a Katz, omwe amalimbikitsa kuti mufike nthawi pa nthawi yomwe mumayikidwa komanso nthawi zonse kuthokoza.
• Dziwani zoyenera kuchita pakagwa mwadzidzidzi Mavuto akachitika, chindapusa chachipatala ndi madokotala mwina ndi chinthu chomaliza chomwe mukuchiganizira. Ichi ndichifukwa chake ndikofunikira kuti muunikenso ndondomeko yanu pasadakhale. Lankford ananena kuti: “Fufuzani kuti muone ngati mukufunikira chivomerezo choyamba musanapite kuchipinda chodzidzimutsa ndipo onani zipatala ziti m’dera lanu zomwe zimaonedwa kuti n’zosathandiza komanso zimene zingachititse ngozi,” anatero Lankford (mungathe kupeza mfundo zimenezi m’kabuku ka inshuwalansi yanu kapena pa webusaiti ya kampaniyo. ). Mudziteteza ku bilu yosayembekezereka: Makampani a inshuwaransi yazaumoyo amakana 20% ya zopempha zonse zadzidzidzi zomwe zimafunikira chilolezo, malinga ndi kafukufuku waposachedwa wofalitsidwa mu Annals of Emergency Medicine.

  "Ngati ndichofunika, musazengereze kuyitanitsa ambulansi," akutero a Lankford. Koma pazochitika zosaika moyo pachiswe, monga kusweka fupa kapena kutentha thupi pansi pa 103 ° F (pokhapokha ngati muli ndi ululu wa m'mimba, zomwe zingasonyeze appendicitis), funsani mnzanu kapena wachibale kuti akuperekezeni kuchipatala.

  
  

• Onaninso bilu yanu yakuchipatala Amayi ambiri amawunika ma kirediti kadi yawo mwezi uliwonse, komabe ndi ochepa kwambiri omwe amayang'ana ma invoice awo azipatala. Koma ayenera: Akatswiri akuyerekezera kuti 90% ya ngongole zamchipatala zimakhala ndi zolakwika. Musanatuluke, pemphani ngongole yolembedwa. "Chithandizo chilichonse chomwe mumalandira chimapatsidwa manambala," akufotokoza Katz. "Ndiye kuti wina atalemba mwangozi nambala yolakwika angatanthauze kusiyana kwa mazana kapena masauzande a madola." Musananyamuke, werengani bilu yanu ngati mulibe chindapusa chilichonse chachilendo. Kenako, pamsonkhano wanu wotsatira, pemphani dokotala wanu kapena munthu wina wogwira naye ntchito kuti adzayankhe chilichonse chomwe simukuchidziwa.
• Lipirani ndi madola a pretax Osakwana 15 peresenti ya anthu aku America amapezerapo mwayi pa akaunti yosungira ndalama (HSA) kapena flexible spending arrangement (FSA), zonse zomwe zimaperekedwa ndi olemba anzawo ntchito. Izi zikutanthauza kuti ambiri a ife tikutaya ndalama zaulere: Maakaunti amenewa amakupatsani mwayi wolipira ndalama zolipirira kuchipatala ndi ndalama zomwe mumapatula kumalipiro anu msonkho usanatulutsidwe. Zotsatira zake: kusungidwa mpaka 30 peresenti pazamalipiro anu azaumoyo. Mutha kugwiritsanso ntchito maakaunti kulipira ndalama zomwe simulipira ndi inshuwaransi yazaumoyo, monga kuchipatala komwe mumalipira komanso mankhwala ogona kuchipatala. Mapulani ambiri amakulolani kuti mugule yankho la mandala, magalasi, Band-Aids, ndi aspirin. Olemba ntchito ambiri amapereka mtundu umodzi wokha wa akaunti, mwina HSA kapena FSA. Kusiyana kwakukulu pakati pa awiriwa ndikuti mutha kugubuduza zopereka zanu za HSA chaka ndi chaka komanso kuchokera kuntchito kupita kuntchito. Koma ndi FSA, mumataya ndalama zilizonse zotsalira muakaunti yanu ngati simugwiritsa ntchito pa Marichi 15 chaka chotsatira kapena ngati musintha makampani.

  Kuti muwerenge molondola za ndalama zomwe mumawononga pachipatala, onaninso momwe mungagwiritsire ntchito ndalama zokhudzana ndi thanzi lanu m'miyezi 12 yapitayi, kenaka onjezerani zina zowonjezera (mwachitsanzo, mankhwala atsopano) omwe mukuyembekeza kudzagwiritsa ntchito mtsogolo. "Koma kumbukirani kuti muyenera kulemba mafomu opempha kuti mubwezedwe, kotero ngati mukuwopsya pamapepala kapena kusunga ma risiti, ma akaunti amtunduwu sangakhale anu," akutero Katz.

  
  

• Khalani ogulitsa mankhwala osokoneza bongo Steve Miller, M.D., mkulu wa zachipatala wa Express Scripts, kampani yoyang'anira mapindu a pharmacy ku St. Funsani dokotala wanu ngati pali mtundu wa mankhwala omwe akutsimikizirani. "Ali ndi mbiri yofanana ndi chitetezo ngati mankhwala amtundu," akutero. Ngati palibe imodzi pamsika pano, funsani MD yanu ngati pali njira yotsika mtengo koma yofananira ndi mankhwala omwe akukulemberani. Ngakhale adotolo atakupatsirani zitsanzo zaulere za mankhwalawo, pemphani mankhwala ochiritsira: Pomwe mapaketi ovomerezeka atha, zikuyenera kuti mupange ndalama zambiri, atero a Miller. M'malo mwake, kafukufuku wochokera ku Yunivesite ya Chicago adapeza kuti odwala omwe amalandira pafupifupi mtundu umodzi waulere wamankhwala amtundu wa ndalama amawononga 40% ya mankhwala kwa miyezi isanu ndi umodzi kuposa omwe sanalandire, mwina chifukwa akupitiliza kugula mapiritsi a pricier.

• Khalani ogawanika mapiritsi "Mankhwala ena amawononga ndalama zambiri pamlingo wochepa komanso wochepa," akutero Hae Mi Choe, Pharm.D., Pulofesa wothandizira pachipatala ku University of Michigan, Ann Arbor, School of Pharmacy. Ngati mukumwa mankhwala, monga a cholesterol yochuluka, funsani dokotala ngati angakulembereni malangizo a mapiritsi a mlingo waukulu womwe mungathe kuwadula pakati kunyumba, akutero Choe. Posachedwa adachita kafukufuku yemwe adapeza odwala amatha kusunga mpaka 50 peresenti pamankhwala awo pongogawa mapiritsi awo. Koma izi sizikukhudza mankhwala onse. "Ena, monga makapisozi, mapiritsi okutidwa, ndi njira zotulutsira nthawi, sayenera kudulidwa," akutero Choe. "Choncho funsani dokotala wanu kapena wamankhwala poyamba." Kuonetsetsa kuti mumamwa mankhwala olondola nthawi zonse, gwiritsani ntchito chida chogawanika mapiritsi, chomwe chimapezeka m'malo ogulitsa mankhwala.

• Pezani kuchotsera mankhwala Unyolo waukulu monga Target ndi Wal-Mart amagulitsa mankhwala enaake, monga maantibayotiki ndi mapiritsi otsitsa mafuta m'thupi, pamtengo wochepera $4 pakupereka kwa masiku 30. Costco imadzazanso zolemba pamtengo wotsika (sikuyenera kukhala membala kuti mugwiritse ntchito mankhwala awo). Muthanso kufunsa MD yanu kuti ikulembereni miyezi itatu, kenako muziyitanitsa kudzera pa pharmacy yapaintaneti yokhudzana ndi inshuwaransi yanu kapena yodziyimira pawokha, monga walgreens.com, drugstore.com, kapena cvs.com. Koma onetsetsani kuti mukuyerekeza: Ochita kafukufuku ochokera ku Creighton University School of Pharmacy adapeza Maina a Rx ndi otsika mtengo akagula ndi makalata, koma mankhwala opangira mankhwalawa akhoza kukhala okwera mtengo kwambiri.
• Pezani mwayi pazinthu zobisika mu dongosolo lanu "Inshuwaransi yanu yaumoyo ingathe kulipira mautumiki amtundu uliwonse kwaulere kapena pamtengo wotsika," akutero Lankford (dokotala wapaintaneti nthawi zambiri amafunikira kukupatsani chilolezo pasadakhale). Yang'anani kuti muwone ngati yanu ili ndi kuchotsera kapena kulipira mapulogalamu osiya kusuta, kuchepetsa thupi kapena uphungu wa zakudya, kapena umembala wa masewera olimbitsa thupi. Makampani angapo a inshuwaransi, kuphatikiza Aetna ndi Kaiser Permanente, ayambanso kupereka chithandizo chamankhwala ena, monga kutema mphini, kutikita minofu, ndi chisamaliro cha chiropractic.

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