Ungabona kanjani udokotela uma ungenawo umshuwalense wezempilo

Inkampani

Uma ugula, wenza isikhathi sokubonana nodokotela, akunjalo? Yebo, uma use-United States futhi ungomunye wabantu abaningi abangenawo umshwalense noma abangaphansi komshwalense, ukuthola ukunakekelwa kwezokwelapha akulula kangako. Uhlelo lwezokunakekelwa kwempilo lungabiza kakhulu kulabo abangenawo umshwalense — noma kulabo abangenawo umshwalense wabo ngokwanele. Ngakho-ke, umbona kanjani udokotela ngaphandle komshwalense wezempilo? Ngenhlanhla, kunezinketho ezimbalwa ezitholakalayo. Kodwa-ke, ziyehluka ngokuthi uhlala kuphi, hlobo luni lokwelashwa oludingekayo, nezinye izinto eziqondene nezimo zakho.

Ungabona kanjani udokotela ngaphandle komshwalense

Okokuqala nokubaluleke kakhulu, abantu akufanele bagweme ukuya kudokotela ngokuqinile ngenxa yezindleko. Kungalahlekisela impilo yakho nesikhwama semali sakho phansi uma uhlehlisa ukuthola ukunakekelwa okudingayo. Noma ungenawo umshuwalense wezempilo, usengabona udokotela bese uthola ukwelashwa — ukunakekelwa kokuvikela, ukunakekelwa okunamandla, ukunakekelwa okuphuthumayo, noma ukunakekelwa okuphuthumayo. Ingxenye enzima ukuthola izinsizakalo ezingabizi. Izindawo ezinhle kakhulu ukuqala imitholampilo yezempilo yomphakathi, imitholampilo yokuhamba, nabahlinzeki bokunakekela abaqondile.

Imitholampilo yezempilo yomphakathi

Imitholampilo yezempilo yomphakathi kungenzeka itholakale endaweni yangakini. Lezi zingaba mahhala noma ngezindleko eziphansi kuwe. Le mitholampilo inikeza okunye ukunakekelwa okudingeka kakhulu kubantu, njengokuhlolwa kokuvikela kanye nokugonywa, ngaphandle komthamo wamanani aphezulu womhlinzeki wokunakekelwa oyinhloko ngqo noma izidingo zomshuwalense. Eziningi zalezi zivumela abantu ukuthi bakhokhe ngesikali esislayidayo ngokuya ngemali abayitholayo, noma banikele ngezinsizakalo zamahhala. Zama ukusesha indawo yakho ngesiqondisi esivulekile freeclinics.com .

Imitholampilo yokuhamba ngezinyawo

Imitholampilo yokuhamba iyatholakala ngezinkinga ezijwayelekile, futhi bangakhokha imali uma ungenawo umshwalense. Ungabona udokotela emtholampilo wokuhamba ngezinkinga ezincane bese ukhokhiswa ngokuvakasha. Kodwa-ke, akuzona zonke lezi ezingabizi njengamanye, ngakho-ke qiniseka ukuthi ubuza ukuthi ngabe izindleko ziphambili yini. Eminye imitholampilo ehamba ngezinyawo inikeza ukunakekelwa ngamanani aphansi noma ancishisiwe, kanti abanye bangakusiza ukuthi ufake isicelo somshuwalense wezempilo wamahhala noma ophansi, njengeMedicaid.

Abahlinzeki bokunakekelwa okuqondile

Noma ungenawo umshuwalense wezempilo, kusenokwenzeka ukubona umhlinzeki wezokunakekelwa kwempilo; noma kunjalo, kungafika ngemali ethile. Kunemitholampilo ebhekelela abangaqinisekisiwe, abaziwa njengemitholampilo ethwala imali kuphela, imitholampilo yabalindi, noma abahlinzeki bokunakekelwa okuqondile. Ungahle uthande ukuthenga ezungeze ukuthola udokotela owuthandayo ofanelana nesabelomali sakho.

Igumbi lezimo eziphuthumayo esibhedlela

Uma unesimo esiphuthumayo esiphuthumayo sezempilo, kufanele uye egumbini lezimo eziphuthumayo esibhedlela noma ushayele ku-911. Abahlinzeki bezokwelapha eziphuthumayo njengezibhedlela ngokuvamile abakwazi ukwenqaba ukunakekelwa esimweni esiphuthumayo sezokwelapha ngoba awunawo umshuwalense wezempilo. Yazisa abasebenzi ukuthi awuqinisekisiwe, njengoba ukwazi ukuhlela imigomo yokukhokha ngokuhamba kwesikhathi nomnyango wabo wokukhokha, noma uthole usizo lokufaka isicelo seMedicaid ephuthumayo noma omunye umshuwalense. Kodwa-ke, ukunakekelwa okuphuthumayo luhlobo lokunakekelwa olubiza kakhulu. Yisebenzise kuphela uma kuyisimo esiphuthumayo seqiniso ukugwema ukuzifaka ezinkokhelweni ezibizayo. Ezimweni ezingezona eziphuthumayo, ukunakekelwa okuphuthumayo imvamisa kuyindlela engabizi kakhulu.

Izikhungo eziphuthumayo zokunakekelwa

Izikhungo zokunakekela eziphuthumayo ziyatholakala ngezimo eziphuthumayo ngokushesha kanye nezinye izidingo zezokwelapha ezibucayi, futhi imvamisa ziyakwazi ukukhokha ngqo esigulini. Lokhu kungagcina sekuyindlela eshibhile kunaleyo yokuvakashela esibhedlela, inqobo nje uma umtholampilo ukwazi ukubhekana nezidingo zakho zokwelashwa. Lezi zikhungo zifana nomtholampilo wokuhamba ngezinkinga ezibucayi, njengamathambo aphukile, imithambo, namanxeba adinga ukuthungwa.

Kubiza malini ukubona udokotela ngaphandle komshwalense?

Ngeshwa, uma ungaqinisekisiwe, ukuthola ukunakekelwa kwezempilo kungabiza kakhulu. Vele Kanjani kubiza kunzima ukunquma, njengoba kuyehluka ngodaba lwezokwelapha onalo, uhlobo lomhlinzeki ombonayo, nokuthi uhlala kuphi. Ngenkathi isikweletu.org ibala ukuvakashelwa kukadokotela kubiza phakathi kuka- $ 70 no- $ 250, kodwa le nombolo inyuka uma udinga ukuhlolwa okwengeziwe noma imiyalelo. Kungaba yinkanyezi uma udinga ukuvakashela igumbi labezimo eziphuthumayo. Izindleko zezingozi ezahlukahlukene nezifo zingangeza ngokushesha uma ufaka izinto ezikhokhiswayo njengokuhlolwa kwegazi, ama-X-ray, nokugibela ama-ambulensi. Abantu abaningi bagcina bemangazwe yizikweletu ezinkulu ngemuva komcimbi wezokwelapha.

Izindleko ezijwayelekile zokuhlolwa kokuxilongwa nazo zingahluka ngokuya ngesifunda sakho nalapho oya khona. Ngokusho kwe- Ezempilo Bluebook , i-database ehlanganisa amanani, ukuhlolwa kwelebhu yokubalwa kwegazi kungaba phakathi kuka- $ 15 no- $ 100, i-X-ray yesifuba ingaba phakathi kuka- $ 40 no- $ 250, kanti i-ultrasound yombungu ingakubuyisela emuva phakathi kuka- $ 89 no- $ 480. Njengoba ukwazi ukubona, kungaba yinselelo yangempela ukulinganisa ukuthi ukunakekelwa kwezokwelapha kungabiza malini uma kwenzeka ugcina ukuludinga.

Ukuthi uzokhokha malini futhi kungaxhomeka ekutheni uthola ukunakekelwa kuphi. Eminye imitholampilo inganikeza izephulelo, noma ikuvumele ukuthi ukhokhe ngesikali esislayidayo esincike emholweni wakho. Imitholampilo yomphakathi ingagcina ishibhile kunokuya kumhlinzeki wokunakekelwa oqondile, kanti imitholampilo yokunakekelwa okuphuthumayo ingabiza kakhulu kunokuya e-ER. Ekugcineni, lokho ozobe ukhokha kuyehluka kakhulu ngenkinga yakho ethile yezempilo nokuthi uya kuphi ukwelashwa. Ngaphambi kokuvakashela umtholampilo, ungathenga eduze ukuze uqhathanise amanani noma uthole ukuthi ungakuthola yini ukwelashwa okudingayo endaweni ethile eshibhile.

Kubalulekile ukubiza ukuthi kunabantu abaningi abangaqinisekisiwe okungafanele babe njalo. Ungavakashela ezempilo.gov noma uxhumane nomnyango wezenhlalakahle wangakini ukuze uthole ukuthi uyafaneleka yini ukuthola umshuwalense wezempilo wamahhala noma ophansi.

Ungayonga kanjani imali uma ungenawo umshuwalense wezempilo

Lapho uthola ukunakekelwa kwezempilo ngaphandle komshwalense, kunezinyathelo ongazithatha ukunciphisa izindleko:

1. Yisho ukuthi awuqinisekisiwe . Ngale ndlela ungathola ukuthi ngabe kukhona yini izephulelo ongase ufanelekele ukuthola zona.
2. Thenga ukuze uthole ukunakekelwa okulingana nesabelomali sakho . Amanani ayahluka ngendawo. Funa umtholampilo wamahhala, noma we-sliding scale.
3. Cela uhlelo lokukhokha . Abanye abahlinzeki bezempilo bazokuvumela ukuthi ukhokhe isikhathi esengeziwe ukuze unciphise izindleko zangaphambili.
4. Hlola kabili izikweletu zakho .Amaphutha ajwayelekile. Qiniseka ukuthi ukhokhiswa inani elifanele. Ungakwazi ngisho nokuxoxisana ngezikweletu ngemuva kokuzithola, vele ushayele bese ubuza.
5. Sebenzisa amakhadi wokonga kadokotela , njenge Okufanayo ukunciphisa izindleko zanoma yimiphi imiyalo oyifunayo.
6. Cela amasampula ezidakamizwa noma uhlobo olujwayelekile . Lokhu kunganciphisa kakhulu inani eliphuma ephaketheni lemithi.
7. Hlola ukubona ukuthi uyayifanelekela yini iMedicaid . Kususelwa kumholo, ubukhulu bendlu, nokuthi uhlala kuphi, phakathi kwezinye izinto.

OKUSHIWO: Ngingayonga kanjani imithi yami?

Konke kuzwakala kunzima uma ugula. Thatha lezi zinyathelo manje, ngaphambi kokudinga ukunakekelwa kwezempilo, ukuqinisekisa ukuthi usendaweni engcono ngokwezimali ngokuhamba kwesikhathi. Ukufuna izaphulelo, amakhuphoni, izinhlelo zokukhokha, kanye nokuqhathanisa amanani kungasiza kakhulu esikhwameni sakho semali ngenkathi uzama ukuzulazula ohlelweni lokunakekelwa kwezempilo.