Izindlela eziyi-10 zokonga ezindlekweni zokunakekelwa kwempilo
Inkampani Umthengi onobuhlakani angathola ukonga okuphawulekayo uma wazi ukuthi ubheke kuphiIzindleko zokunakekelwa kwezempilo ziyizindleko ezibalulekile e-United States — eziya ku- $ 11,172 ngonyaka ukuze waseMelika ovamile , ngokusho kwamaCentre for Medicare and Medicaid Services. Uma ucabanga ukuthi imali engenayo yomndeni ingaphezudlwana kwe- $ 63,000 (futhi abaningi bathola imali encane kakhulu), lokho kuyisixuku esikhulu sesabelomali somndeni. Cishe i-10% yalokho kusetshenziselwa izidakamizwa zemithi yokuthengisa.
Ukulahleka kwemisebenzi okubangelwe wubhadane lwe-COVID-19, kanye nokulahleka okuhambisanayo komshuwalense wezempilo oxhaswe umqashi kwenze abantu baseMelika abaningi kakhulu bazi izikhala ekusetshenzisweni kwabo kwezokunakekelwa kwempilo — nokuthi uhlelo ludideka futhi lube nzima kangakanani ukuhamba.
Kubantu abanezimo ezingalapheki nezidingo zokwelashwa zesikhathi eside, ukuthola izindlela zokukhokhela izindleko zokwelashwa ngaphandle kokwephula ibhange kungumsebenzi wansuku zonke. Ngenhlanhla akuzona zonke izindaba ezimbi. Ezimweni eziningi ezivamile zokunakekelwa kwezempilo, umthengi onobuhlakani angathola ukonga okuphawulekayo uma wazi ukuthi ungabheka kuphi.
Izindlela eziyi-10 zokonga ezindlekweni zokunakekelwa kwempilo
Ngokusho kochwepheshe bezokwelapha, lezi izindlela eziyishumi eziphezulu umuntu ojwayelekile angonga imali ngezindleko zokunakekelwa kwezempilo.
1. Linganisa uhlelo lwakho lomshuwalense olukhona njengamanje
Ingabe uthola okungcono kakhulu ohlelweni lwakho lomshuwalense? Uhlelo lwakho luchaza izindleko zezindleko zakho eziningi ezihlobene nokunakekelwa kwezempilo. Qiniseka ukuthi ufunda uhlelo lwakho futhi wazi ukuthi yini ehlanganiswe ngaphansi kohlelo lwakho lwamanje (nokuthi yini engekho).
Lokho kusho ukuthatha isikhathi ukuqonda ukuthi yiziphi izindleko zakho zomshuwalense kanye / noma co-inshuwalense, ukuthi ingakanani imali yakho ekhishwayo, nokuthi ibaphi abahlinzeki, izakhiwo, noma izibhedlela eziku-network. Futhi ungakhohlwa ukujwayelana nefomula yezidakamizwa ehambisana necebo lakho. Ungasebenzisana nomhlinzeki wakho wezokunakekelwa kwempilo ukushintsha imiyalo ukuze ungene enanini lentengo eliphansi lokufaka kwakho okuthile.
Uma uhlelo lwakho lwamanje lungahambelani nezidingo zakho zamanje zokunakekelwa kwezempilo, cabanga ngokushintsha ukumboza kwakho. Noma ngabe uhlelo lwakho luyimfihlo, umqashi, noma luxhaswe nguhulumeni, ungahle ube nezinye izinketho ezitholakalayo ezihlangabezana kangcono nezidingo zakho.
2. Sebenzisa izinhlelo ukonga odokotela bakho
Bhalisela ikhadi lokonga ekhemisi.
Amakhadi okonga ekhemisi yizinsizakalo zamahhala ezinikeza izaphulelo ezibalulekile kumanani ezidakamizwa kwikhawunta yekhemisi. Izinhlelo ezifana Okufanayo ikuvumela ukuthi useshe incwadi yakho kadokotela ukuthola amanani aphansi emakhemisi aseduze nawe. Odinga ukukwenza ukukhombisa usokhemisi ikhadi lakho ukuthola ukonga ngokushesha kwimiyalo yakho. Ungalanda futhi uhlelo lokusebenza lapha . Ngokwengeziwe, amanye amakhemisi athanda Ama-Walgreens futhi I-Walmart ube nezinhlelo zokonga kadokotela wonke amakhasimende angazisebenzisa.
Cela imithi ejwayelekile uma kufanele.
Ungacabangi ukuthi odokotela noma osokhemisi bazokunikeza ngokuzenzakalela ukwelashwa okushibhile okutholakalayo. Odokotela bavame ukunikezela ngemithi yamagama abazijwayeze kakhulu. Imithi ejwayelekile, noma kunjalo, iyasebenza njengegama lomuthi futhi kubize okungu-80% -85% ngaphansi ngokwesilinganiso . Njalo buza usokhemisi wakho uma kukhona enye indlela esebenza ngokulinganayo, engabizi kakhulu ejwayelekile kadokotela wakho.
Shintshela emiyalweni yoku-oda i-imeyili.
Uma uphuza umuthi ofanayo noma imishanguzo njalo, ungonga imali ngokugcwalisa i-Rx yakho ngekhemisi loku-oda ngeposi. Amakhemisi e-mail-oda akuvumela ukuthi ugcwalise imiyalo yakho ngobuningi, ukulethela izimpahla zezinsuku ezingama-90 esikhundleni sezimpahla zezinsuku ezingama-30, imvamisa ngentengo enesaphulelo. Okungcono kakhulu — amakhemisi amaningi oku-oda imeyili azosebenza ne- Ikhadi lesaphulelo se-SingleCare ngokulondolozwa okuningi.
OKUSHIWO: Ngingayonga kanjani imithi yami?
3. Hlala uthenga ezitolo
Into engcono kakhulu ongayenza nganoma yiziphi izindleko ezinkulu zokunakekelwa kwezempilo ukuhlola izinketho zakho. Abantu abaningi abaqapheli ukuthi inqubo efanayo ingabiza amashumi ezinkulungwane ngaphezulu kwesinye isibhedlela noma isikhungo kunesinye noma lapho yenziwa ngudokotela oyedwa ngokuqhathanisa nesinye. Ngezinqubo ezihleliwe noma ukuhlinzwa, iziguli zingashayela izibhedlela kusengaphambili ukuze zicele ukulinganiselwa kwama-invoyisi. Izinhlelo eziningi zomshuwalense zikuvumela ukuthi useshe abahlinzeki be-in-network ngaphambi kokuhlela i-aphoyintimenti. Ezinye izibhedlela nabashuwalense ngisho nikela ngamathuluzi entengo aku-inthanethi wezilinganiso zesikhathi sangempela .
Uma ufuna ukugcina umhlinzeki wakho wamanje, kufanelekile ukubuza ukuthi bayakwazi yini ukunikeza ukwelashwa ngezindleko eziphansi endaweni ehlukile. Abanye odokotela basebenza ezikhungweni eziningi, konke okungakhokhisa ngokuhlukile ngezinsizakalo eziningi ezifanayo. Ngokuya ngohlelo lwakho lwezempilo, udokotela wakho angakwazi ukuhlinzeka ngezinsizakalo ezithile, njengemithi yokugoma, izinqubo, noma ukuhlolwa ngentengo ephansi kwesinye isikhungo. Kuhlala kufanelekile ukubuza udokotela wakho ukuthi ukunakekelwa kwakho kungabiza kancane kwenye indawo yokwelashwa.
4. Gwema izindleko ezingenasidingo
Thembeka kuwe uqobo mayelana nezinselelo ezingaba khona zezezimali ongahle ubhekane nazo ngokulandela uhlelo lokwelashwa noma ukugcwalisa incwadi kadokotela. Ukubona ukulinganiselwa kwakho kwezezimali kuzokusiza unciphise imibuzo efanele ukubuza uhlelo lwakho lomshuwalense kanye nomhlinzeki wakho wezokunakekelwa kwempilo mayelana nokuthi ungathola kanjani izinketho eziphansi zezindleko. Ekugcineni, zibuze ukuthi ngabe udinga ngempela ukuhlolwa, incwadi kadokotela, noma inqubo enconyiwe. Thola ukuthi ngabe ikhona yini enye indlela, engabizi kakhulu engakusebenzela.
5. Ungesabi ukuxoxisana ngamanani
Kungabonakala kungafani nayo, kepha izikweletu eziningi ezinkulu zesibhedlela kuyaxoxiswana . Izibhedlela eziningi zinikeza ukuyekelwa, izaphulelo zemali, noma izinhlelo zokusiza. Qiniseka ukuthi ushayela umnyango okhokhayo bese ubuza ukuthi kukhona yini izaphulelo ezitholakalayo noma ukuthi bangakwazi yini ukuhambisa noma yiziphi izimali ezihambisanayo. Umnyango wokukhokhisa uzophinde ukwazi ukunikeza ulwazi mayelana nokusetha uhlelo lokukhokha olungaqoqi inzalo.
6. Sebenzisa izinsiza zamahhala
Imitholampilo yomphakathi ingakuhlinzeka ngokuhlolwa okuthile kwezempilo mahhala noma ngesilinganiso sokushibilika — futhi izindleko eziningi ezinkulu zinezinhlelo zokukuvumela ukuthi uthole ukwelashwa mahhala.
Izinsizakalo zokuvimbela : Uma unomshuwalense, abaningi bahlanganisa ukuhlolwa kwamahhala konyaka, njengokuhlolwa kwonyaka komzimba noma kwabesifazane abakahle-akudingeki i-copay. Bheka ngohlelo lwakho ukuthi ungalusebenzisa yini lolu sizo.
OKUSHIWO: Ungakuthola kanjani ukulawulwa kokuzalwa kwamahhala
I-insulini: I-American Diabetes Association ilinganisela ukuthi abantu baseMelika abayizigidi ezingama-34.2 baphila nesifo sikashukela. Njengoba intengo ye-insulin iqhubeka nokukhuphuka, akumangazi ukuthi abantu abaningi abaphila nesifo sikashukela balwa kanzima ukukhokhela ukwelashwa. Eminyakeni yamuva, noma kunjalo, abenzi bamakhemisi benze izinhlelo ezinikezela nge-insulin yamahhala noma enesaphulelo. Abakhiqizi abaningi bekhemisi banikela izinhlelo zosizo lwe-insulin . Ngaphezu kwalezi zinhlelo, amakhadi ekhemisi esaphulelo, njengeSingleCare, angasiza futhi labo abaphila nesifo sikashukela ukuthi bathole ikhemisi elinikeza amanani aphansi kakhulu emthonjeni wabo we-insulin.
OKUSHIWO: Ungakuthola kanjani okokuhlinzeka kwamahhala ngesifo sikashukela
Imigomo: Ngokuphikisana nokuhlakanipha okuvamile, imithi yokugoma engabizi kakhulu ayitholakali njalo emitholampilo yezempilo yomphakathi. Abaningi izikhungo zezempilo zendawo kanye neminyango yezempilo kahulumeni nikeza ngemithi yokugoma yamahhala noma enesaphulelo kubantu abadala abangaqinisekisiwe noma abangaphansi komshwalense, kepha kukhona futhi ezinye izindlela zokonga ezindlekweni zokugoma . Abenzi bemithi yokugoma bathanda Umkhiqizo futhi I-Pfizer unikele ngezinhlelo zosizo lokukhokha ezinganeni nakubantu abadala. Ngokulondolozwa okuphezulu, kubalulekile ukuthi uthenge futhi unqume ukuthi iyiphi inketho ekulungele kakhulu.
OKUSHIWO: Ngisithola kanjani isephulelo noma umkhuhlane wamahhala?
7. Bhalisela i-HSA noma i-FSA
Uma unomshuwalense wezempilo, uhlelo olune-HSA (i-akhawunti yokonga ezempilo) noma i-FSA (i-akhawunti yokusebenzisa kalula) ingakusiza ukuthi wonge imali ezindlekweni zakho zokwelashwa ezingaphandle kwesikhwama. Womabili la ma-akhawunti akuvumela ukuthi unikele ngengxenye yemali yakho engenayo ngaphambi kokukhokha intela, engasetshenziselwa ukukhokhela izindleko zokwelashwa ezifanelekayo, kufaka phakathi ama-copay, i-coinsurance, imiyalo, nokuningi. Funda kabanzi ngomehluko wohlelo ngalunye lapha .
Khumbula ukuthi ngo-2018 umndeni ojwayelekile waseMelika usebenzise u- $ 28,166 ezindlekweni zokunakekelwa kwempilo, ama-83% awo aye ezinkampanini zomshuwalense, uthi UDeane Waldman , MD, MBA, uprofesa osafufusa wezifo zezingane, iPathology, kanye neDecision Science e-University of New Mexico. Cabanga uma bebeka lokho ku-HSA minyaka yonke!
8. Thola ukunakekelwa okufanele
Uma ungazizwa kahle, kuyathandeka ukuya esikhungweni sokunakekela sokuqala esinesikhathi sokubonana esikhona. Kodwa-ke akuzona zonke izinketho zabahlinzeki ezibiza ngokufanayo. Zibuze-ngabe udinga ukuvakashela igumbi labezimo eziphuthumayo noma ungalinda i-aphoyintimenti nomhlinzeki okwinethiwekhi? Lezi zinketho zinama-copays ahluke kakhulu, futhi angakongela amakhulu ama-dollar, kuya ngenkinga odinga ukuyilungisa.
Uma umshwalense wakho uyikhava, bona ukuthi ungabonisana yini nodokotela ngocingo noma ngokuqokwa kwe-telehealth esikhundleni sokuvakashela ubuso nobuso. Kulabo abafanelekayo, ukuqokwa kwabasebenza ngethelevishini kungakhipha ukonga okukhulu ngokuhamba kwesikhathi. Ngokocwaningo oluthile, izindleko ezijwayelekile zokuqokwa kukadokotela ongokoqobo zingama- $ 40- $ 50, kuyilapho ukuqokwa okufanayo mathupha kungabiza cishe u- $ 176 ngokuvakasha ngakunye. Le nketho seyikhanga kakhulu ngokubheka ubhadane lwamanje, ngoba ludinga ubungozi obuncane bokutheleleka ezigulini nakubanikezeli. UMnyango Wezempilo kanye Nezinsizakalo Zabantu e-U.S. HHS ) uthathe izinyathelo zokwandisa ukufinyelela kwezinsizakalo ze-telehealth.
Qiniseka ukuthi ubheka umshwalense wakho bese ukhuluma nomhlinzeki wakho ukunquma ukuthi yini okukusebenzela kangcono.
9. Buyekeza izikweletu zakho (namaphutha okudlulisa amacala)
Ngokuvumelana ne Umthengi Wezempilo Ofanele , kunezinyathelo ezithile eziyisisekelo okufanele uzithathe noma kunini lapho uthola isikweletu esikhulu sezokwelapha. Okokuqala, qiniseka ukuthi uthola irisidi elenziwe ngezinto. Umkhiqizo ngamunye kufanele ubhalwe ngokwehlukana nezindleko ezihambisana nento ngayinye ehlukanisiwe. Ukubheka okuphambene nalezi zinqubo kanye nezindleko zazo ngencazelo yomshuwalense wakho wezempilo wezinzuzo (i-EOB) ukuze uqiniseke ukuthi akukho okungahambelani. Uma uthola iphutha, qiniseka ukuthi ushayela inkampani yakho yomshuwalense futhi ufake isikhalazo. Uma unemibuzo yokuthi kungani ukhokhiselwe inqubo ethile, umuthi, noma ukuhlolwa, kuhlale kungumbono omuhle ukubiza udokotela okukhokhisile futhi akubuze. Gcina wonke amarisidi akho nobufakazi bokukhokha ukwenza izikhalazo zibe lula ngangokunokwenzeka.
Zijwayeze ukunakekela izifo
Enye yezinto ezinhle kakhulu ongayenza ukunciphisa izindleko zakho zesikhathi eside zokunakekelwa kwezempilo ukusungula indlela yokuphila yansuku zonke nenhlalakahle ekusebenzela. Ngicabanga ngokudla okunomsoco, ukuzivocavoca umzimba njalo, kanye nokuphathwa kwengcindezi njengemilenze emithathu ye-tripod esiza ukuzinzisa inhlalakahle yomuntu, kusho UJulie Cunningham , ingcweti ebhalisiwe yokudla kanye nesifo sikashukela kanye nochwepheshe wezemfundo ezinze eNorth Carolina. Uma uphuthelwa eyodwa noma enye, i-tripod yakho izokwehla. Uma ubathole bobathathu, impilo yakho inesisekelo esiqinile impela. Ukuhlala unamanzi amaningi, ukuhamba nsuku zonke, ukuyeka ukubhema, ukuphuza utshwala obuningi, noma ukwenza ushintsho ekudleni okunempilo kungaba nomthelela omuhle empilweni yakho yesikhathi esizayo futhi kuvimbele nezindleko zesikhathi esizayo.
OKUSHIWO: Ungayithola kanjani i-Chantix yamahhala (noma ngaphandle komshuwalense wezempilo)
Lezi zindlela ziyizindlela ezinhle zokuthola ukonga okwengeziwe ezindlekweni zakho zansuku zonke zokunakekelwa kwezempilo. Akunandaba ukuthi unamazinga aphi omshwalense, asikho isizathu sokukhokha ngaphezu kwalokho okudingekayo ekwelashweni kwakho!
