Kukula ndi MS: Malangizo 7 Pakuyenda Padziko Lonse La Inshuwaransi Yathanzi

Zamkati

• 1. Fufuzani ngati mukuyenera kulandira inshuwaransi yaulere yaulere
• 2. Onani ngati mungapeze thandizo kuboma
• 3. Dziwani kuchuluka komwe mukufuna
• 4. Fufuzani ngati dokotala wanu akukonzekera
• 5. Onani ngati ntchito zanu zaphimbidwa
• 6. Onaninso mapulani a pulaniyo
• 7. Onjezerani ndalama zonse zomwe muli nazo mthumba
• Tengera kwina

Kungakhale kovuta kuyenda matenda atsopano ngati wachikulire, makamaka zikafika pakupeza inshuwaransi yabwino. Ndi mtengo wokwera chisamaliro, kupeza chithandizo choyenera ndikofunikira.

Ngati simunakonzedwe kale pansi pa pulani ya makolo anu kapena omwe amakulemberani ntchito, mungafunike kufunafuna chithandizo ku Health Insurance Marketplace, kapena kwa inshuwaransi. Pansi pa Affordable Care Act (ACA), mapulani pamsika sangakukane kapena kukulipiritsira zambiri mukalandira matenda ngati MS.

Zolinga zina zimatha kukhala ndi zolipira mtengo kapena zochotseredwa.Ngati simusamala, mutha kumalipira zochulukirapo poyerekeza ndi madokotala anu ndi mankhwala kuposa momwe mumayembekezera.

Nawa maupangiri asanu ndi awiri amomwe mungayendere padziko lapansi la inshuwaransi nthawi zina.

1. Fufuzani ngati mukuyenera kulandira inshuwaransi yaulere yaulere

Inshuwaransi imatha kukhala yokwera mtengo, makamaka pamalipiro olowera. Ndikoyenera kufufuza ngati mukuyenerera Medicaid. Dongosolo la federali ndi boma limapereka inshuwaransi yazaumoyo pamtengo wotsika kapena kwa inu.

Pansi pa ACA, mayiko 35, kuphatikiza Washington, DC, awonjezera kuyenerera kwawo kuphatikiza ndalama zambiri. Kaya mukuyenereradi kutengera dera lomwe mukukhala.

Kuti mudziwe ngati ndinu woyenera, pitani ku Medicaid.gov.

2. Onani ngati mungapeze thandizo kuboma

Ngati simukuyenerera Medicaid, mutha kupanga cutoff pulogalamu yomwe imathandizira ndi inshuwaransi yazaumoyo. Boma limapereka chithandizo cha ndalama zothandizira ndalama, ngongole za misonkho, komanso kuchepetsa kugawana ndalama mukamagula pulani kumsika wadziko lanu. Thandizo lachuma lingachepetse ndalama zanu komanso ndalama zomwe mumalipira m'thumba.

Kuti mulandire ndalama zochepa, muyenera kupeza pakati pa $ 12,490 ndi $ 49,960 (mu 2020). Ndipo kuti muthandizidwe ndi kuchotsera, kukopera, komanso kutsimikizika ndalama, muyenera kupanga pakati pa $ 12,490 ndi $ 31,225.

3. Dziwani kuchuluka komwe mukufuna

ACA ili ndi magawo osiyanasiyana: bronze, siliva, golide, ndi platinamu. Kutalika kwa msinkhu, ndondomekoyi idzakhudza - ndipo zidzakuwonongerani mwezi uliwonse. (Kumbukirani, mutha kusunga ndalama pamalipiro onse ngati mungayenerere thandizo la feduro.)

Ndondomeko zamkuwa zimakhala ndi zolipiritsa zochepa pamwezi. Alinso ndi ndalama zochotseredwa kwambiri - kuchuluka kwake komwe mudzayenera kulipira kuchipatala ndi mankhwala musanafike dongosolo lanu. Mapulani a Platinamu amakhala ndi zolipira zapamwamba pamwezi, koma zimafotokoza pafupifupi chilichonse.

Ndondomeko zoyambira zamkuwa zimapangidwira anthu athanzi omwe amangofunika inshuwaransi yazaumoyo pakagwa mwadzidzidzi. Ngati muli pamtundu wa mankhwala a MS, mungafunike mapulani apamwamba. Ganizirani kuchuluka kwa zomwe mumalipira mankhwala ndi chithandizo posankha mulingo.

4. Fufuzani ngati dokotala wanu akukonzekera

Ngati pali dokotala yemwe mwakhala mukumuwona kwa zaka zambiri, onetsetsani kuti akuphatikizidwa ndi dongosolo la inshuwaransi yazaumoyo. Ndondomeko iliyonse imaphatikizapo madotolo ndi zipatala. Madokotala ena amaonedwa kuti ndi achinsinsi, ndipo amawononga ndalama zambiri pakuchezera kwanu.

Fufuzani madotolo ndi akatswiri onse omwe mukuwawona pano akugwiritsa ntchito chida chofufuzira pa intaneti. Komanso, yang'anani kuchipatala chomwe mumakonda. Ngati madokotala anu ndi chipatala sali pa intaneti, mungafune kupitiliza kufunafuna njira ina.

5. Onani ngati ntchito zanu zaphimbidwa

Mwalamulo, pulani iliyonse pamsika wa Inshuwaransi Yathanzi iyenera kugwira ntchito zofunikira 10. Izi zikuphatikiza zinthu monga mankhwala akuchipatala, mayeso a labu, kuchezera zipinda zamwadzidzidzi, komanso chisamaliro cha kuchipatala.

Ndi ntchito zina ziti zomwe zimaphimbidwa zimasiyanasiyana malinga ndi mapulani ake. Ngakhale kuchezera kwa chaka ndi chaka ndi dokotala wanu woyang'anira chisamaliro ayenera kukhala pamalingaliro aliwonse, zinthu monga chithandizo chantchito kapena kukonzanso sizingaphatikizidwe.

Zomwe mudzalipire ntchito zimatha kusiyanasiyana kutengera kampani yomwe mwasankha. Ndipo mapulani ena amachepetsa kuchuluka kwa maulendo omwe mumakumana nawo ndi akatswiri monga othandizira azachipatala kapena akatswiri amisala.

Onani tsamba lawebusayiti kapena funsani woyang'anira inshuwaransi kuti muwone Chidule cha Ubwino ndi Kupeza (SBC). SBC imalemba ntchito zonse zomwe zimakonzedwa ndi ndalamazo, komanso momwe zimalipirira aliyense.

6. Onaninso mapulani a pulaniyo

Dongosolo lililonse la inshuwaransi yazaumoyo limakhala ndi mankhwala - mndandanda wa mankhwala omwe amapezeka. Mankhwala osokoneza bongo amagawidwa m'magulu otchedwa tiers.

Gawo 1 nthawi zambiri limaphatikizapo mankhwala opangira mankhwala. Gawo lachinayi lili ndi mankhwala apadera, kuphatikiza ma anti-monoclonal antibody ndi ma interferon omwe amagwiritsidwa ntchito pochiza MS. Mukakweza gawo lomwe mukufuna mankhwala, m'pamenenso mungawononge ndalama zambiri m'thumba.

Chongani mankhwala omwe mumamwa pakadali pano kuti muthane ndi MS ndi zina. Kodi ali pamakonzedwe apangidwe? Ali pa gawo liti?

Komanso, pezani kuchuluka kwa zomwe mungafunike kulipira ngati dokotala akupatsani mankhwala atsopano omwe sali pamakonzedwe amalingaliro.

7. Onjezerani ndalama zonse zomwe muli nazo mthumba

Zikafika pakulipirira kwanu chithandizo chamtsogolo, ndalama zomwe mumalipira ndi gawo limodzi chabe lazosokoneza. Tulutsani chowerengera chanu poyerekeza mapulani, kuti musadzadabwe ndi ngongole zazikulu mtsogolo.

Onjezani:

• premium yanu - ndalama zomwe mudzalipira pa inshuwaransi yazaumoyo mwezi uliwonse
• deductible yanu - kuchuluka kwa zomwe muyenera kulipira ntchito kapena mankhwala dongosolo lanu lisanayambe
• ndalama zanu zolipira - ndalama zomwe mudzayenera kulipira kukaonana ndi dokotala aliyense komanso akatswiri, ma MRIs ndi mayeso ena, ndi mankhwala

Yerekezerani mapulani kuti muwone omwe angakupatseni phindu lanu. Mukamalembetsanso pamsika chaka chilichonse, pitiraninso njirayi kuti muwonetsetse kuti mukupezabe mwayi wabwino.

Tengera kwina

Kusankha kampani ya inshuwaransi yazaumoyo ndichisankho chachikulu, makamaka mukakhala ndi vuto lomwe limafuna mayeso okwera mtengo ndi mankhwala, monga MS. Tengani nthawi yolingalira mosamala zomwe mungasankhe. Ngati mwasokonezeka, itanani kampani iliyonse ya inshuwaransi ndikufunsani m'modzi wa omwe akuyimira anzawo kuti akambirane nawo za mapulani ake.

Ngati simumatha kukonda dongosolo la inshuwaransi yazaumoyo lomwe mungasankhe, musachite mantha. Simukhala nacho mpaka kalekale. Mutha kusintha mapulani anu nthawi yolembetsa yotseguka chaka chilichonse, zomwe nthawi zambiri zimachitika kumapeto kwa nthawi.