Ngomxholo wodwa wokushiya isibhedlele esivumelanayo phakathi kwezigulane kukuba sonke senza ngokukhawuleza okanye kamva. Ukukhutshwa kwesibhedlele yinkqubo olungiselela kuyo, emva koko ushiye isibhedlele.
Ehlabathini elifanelekileyo, ukukhutshwa kwezibhedlele kuza kwenzeka xa bobabini kunye nodokotela wakho bacinga ukuba ixesha lilungile. Uya kuba namandla ngokwaneleyo kwaye unempilweni ngokwaneleyo ukusingatha imisebenzi efanelekileyo yokukhutshwa kunye neenkcukacha, kodwa ukuzinyameka xa ufika kwindawo oya kuyo.
Nangona kunjalo, asihlali kwindawo efanelekileyo. Ukuze uqonde ukuba kutheni iingxaki ziphakame kunye nexesha lokukhutshwa kwesibhedlele, kwaye yintoni enokuyenza ngayo, kufuneka siqonde ukuba isinqumo senziwe njani malunga nesixa sithuba esiya esibhedlele.
Kutheni ukukhutshwa kweSigqibo sikaMhlawuli wakho
Ngaphambi kokuba singeniswe esibhedlele, sonke isibhedlele sethu kunye naluphina uvavanyo, iinkqubo, kunye nonyango kufuneka zivunywe ukuba zihlawulwe ngabahlawuli bethu-inkampani yethu ye-inshorensi okanye umrhumo woluntu ofana ne-Medicare, Tricare, i-VA okanye i-state Medicaid.
Ukufumanisa ukuba baya kuhlawula ntoni, abahlawuli baxhomekeke kwiikhowudi zokuxilonga , ezibizwa ngokuba yiikhowudi ze-ICD, kunye neenkqubo (iinkonzo) ezibizwa ngokuba yiikhowudi ze-CPT ukuchaza into engalunganga ngayo, ngoko ke unyango okanye iimvavanyo kufuneka zenziwe ukwenzela ukunceda. Kufakwe kulezo nkcazo yimalini yexesha ovunyelweyo ukuba ube esibhedlele ukugqiba imisebenzi ewela phantsi kwezo khowudi.
Ewe, yintoni "umyinge" uthetha ukuba umntu uqiqa. Isekelwe kwingcamango yenkampani ye-inshorensi malunga nesigulane esifanelekileyo, umntu ongenayo ingxaki eyongezelelweyo, ayimfuneko. Akukho konke ngokusekelwe kwizigulane ngamnye kunye nesimo sabo.
Ngoko ke, ngokusekelwe kwiikhowudi ezilindeleke kuwe, xa ixesha lakho liphakanyisiwe, umvuzo wakho akasayi kuhlawula ukuhlala kwakho.
Ukuba abayi kuhlawula, ngoko ngaphandle kokuba unakho ukuhlawula imali, isibhedlele siya kukuthumela ekhaya. Ngako oko, umhla kunye nexesha lokukhutshwa azinalo ngokusetyenzwa ngokomzimba. Zisekelwe kwiintlawulo ezikhowudiweyo ezinokuthi zingqubuzana ngqo kunye nokulungela kwakho.
Kutheni Kufuneka Iziguli Zihlale Zihlala Zivakashwe Izibhedlele?
Iingxaki ziza kuhluma xa "ungenanga." Mhlawumbi umzimba wakho unenkathazo yokuphulukana ukusuka ekutyunjeni. Kungenzeka ukuba ufumene isifo sesibhedlele , okanye ube yixhoba lephutha lesipilisi. Abantu abadala baya kuthatha ixesha elide ukuze babuyele ezinyaweni zabo.
Ngenxa yezizathu kunye nabanye, wena okanye ugqirha wakho unokumisela ukuba umrhumo onikezelweyo akuyi kuba nexesha elaneleyo kuwe. Ukuba bekukho ingxaki eyongezelelweyo (njengosulelo okanye isiphumo seziyobisi), isibhedlele singazama ngokuzenzekelayo ukwandisa intlawulo yokuhlala kwakho, kwaye awuyi kuva. Kodwa oko akunjalo ngaso sonke isikhathi.
Kukho izizathu zemali ukuba ufuna ukuhlala usuku olungaphezulu okanye ezimbini. Ngokomzekelo, ukuba ufuna ukukhutshwa kwisikhungo soovulisa abanezakhono okanye u-rehab, i- Medicare ayiyi kulihlawula ngaphandle kokuba uhlale ubuncinane iintsuku ezintathu. Ngoko unokubanjwa ngokubopha. Yintoni engalunganga ngayo-ngokusekelwe kwikhowudi yakho yokuxilonga-ithetha ukuba baya kuhlawula iintsuku ezimbini kuphela.
Kodwa ukuba ukhululiwe kwiintsuku ezimbini, unokuthi unamathele ngeendleko zenye indawo-mhlawumbi iinyanga okanye iminyaka.
Ziziphi izizathu ongazifanele Uhlale Ude?
Kwakhona kunokwenzeka ukuba ukungafuni ukushiya akusekelwe kwisimo sakho sempilo kukho konke; kunokuba kungenxa yokuntuleka kwenkxaso-mboleko enayo ekhaya, okanye nokuba nokwesaba nje ukuba ngaphandle komntu okubeka iliso kuwe 24/7, ukuba kukho into enkulu enokuthi ingenzeke. Mhlawumbi unesizungu kwaye uthanda ukufumana ingqalelo esibhedlele.
Inyaniso kukuba, kwiimeko ezininzi, ezi zizathu ezifanelekileyo zokuhlala.
Ngoba?
Kuba izibhedlele ziindawo eziyingozi. Kuphela izigulane ezigula kakhulu zifumaneka kwizibhedlele, kwaye kunye nabo zifumene i- agents ezichaphazelekayo ezona zilula kakhulu.
Izifo ziphinda zikhuphe iintloko zabo ezimbi xa abasebenzi basebhedlele abakhathalelayo-oogqirha, abahlengikazi kunye nabanye-ungasebenzi ngokunyanisekileyo ukuyeka ukusabalala kwabo, abaya kwenza ngokuwahlamba izandla kunye nokuthatha amanye amanyathelo okugcina ukhusele.
Ngaphezulu, siyazi ukuba amakhulu amawaka aseMerika afela kwizibhedlele minyaka yonke , kungekhona kwesizathu sokuthi babesibhedlele ukuqala, kungekhona kuba into eyenzekayo ngexesha lokuhlala kwabo esibhedlele yawabulala.
Ukuba ugqiba ukulwa nokukhutshwa kwesibhedlele sakho, qiniseka ukuba kubaluleke kakhulu ukuba usinde kwaye awukubeke engozi enkulu kwiintlobo zeengxaki zebhedlele.
Ukuhlala ixesha elide kungakubiza ngakumbi
Njengoko ucinga ukufakela isikhalazo, ungakhohlwa ukuba ukuhlala ixesha elide kungakubiza ngaphezulu kwepokhethi yakho ngaphezulu. Unokuba ne-co-pay, i- deductibles kunye ne-inshurensi yomshuwalense uya kubakhokelela esibhedlele ukwenzela ukwandiswa.
Yenza Isibheno ukuze Uhlale Esibhedlele
Emva kokuba unikezwe umhla wokukhutshwa kwaye wena nodokotela wakho uyavuma ukuba kufuneka uwandise ukuhlala kwakho, uya kufuna ukukhankanya (ukulwa) umhla okhutshwa ngawo.
Amanyathelo okutsala umhla wokukhutshwa uya kutshintsha esibhedlele kwisibhedlele, kwaye ukusuka kwiphondo ukuya kwimeko ngaphandle kokuba ungumguli weMedare. I-Medicare inenkqubo ekhethekileyo yokuyilandela kungakhathaliseki ukuba uhlala phi okanye isibhedlele oye wangeniswa kuso.
Ezi zikhokelo zingasetyenziselwa isibhedlele kwizigulane ezingezizo zeMagare, ngoko ukuba unquma ukubhenela kwaye awusona isigulane seMedare, ungazama ukuzama ukulandela imiyalelo yazo.
Nazi ezinye izibakala ezinokuba luncedo kuwe kungakhathaliseki ukuba ngubani umhlawuleli wakho:
- Uninzi lwezibhedlele linikeza uninzi lwephepha xa uvunyiwe. Ukubandakanywa kufuneka kube yinkcazo yamalungelo akho, okufuneka adibanise ulwazi malunga nokukhutshwa kwakho kunye nendlela yokubhenela ukukhutshwa. Ukuba awunikwe isaziso sokukhutshwa kunye nendlela yokufaka isikhalazo, cela omnye kwisigulane okanye ummeli wesibhedlele . Emva koko landela ezo zikhokelo.
- Umntu oya kumnceda ubizwa ngokuba yi "QIO" emele iGosa loLwazi loLwazi. Urhulumente wesigqeba unemfuneko eqinile kwindlela indlela i-QIO iphatha ngayo ukukhupha izibheno.
- "Ukhuseleko olukhuselekileyo" ligama eliphambili leMedare isebenzisa, kwaye ungayisebenzisa, kwakhona. Xa ufaka isikhalazo sakho, qiniseka ukuba ungakholelwa ukuba isicwangciso sokukhutshwa kwamanzi sihlangene neemfuno ze-"Ukukhutshwa okukhuselekileyo" njengoko kuchaziwe yi-Medicare, nokuba awukho isigulane seMedare. Ukusebenzisa nje igama lesi sigama kunokuthetha ukuba isigqibo siya kukuthandayo.
Isibhedlele sinokukunceda ukulwa nokukhutshwa
Ukukhumbula ukuba izibhedlele zenza imali xa iibhedi zabo zizele, kuya kuba neemeko xa befuna ukuza kubamba ukuze bakuncede uhlale khona. Ngokuqinisekileyo, ukuba uhlala ixesha elide, imali engaphezulu. Ngoko ke, unokukwazi ukuxhomekeka kubo ukuze uqinisekise umhlawuli wakho ukugcina apho.
Ukongezelela, imithetho emitsha edlulileyo kwiminyaka embalwa edlulileyo inikezele izigwebo eziya kuphazamisa ingeniso yesibhedlele xa kukho iingxaki ukusuka ekuphumeni kokuqala.
Kungakhathaliseki ukuba uthatha isigqibo, qiniseka ukuba unomdla obalulekileyo kumgangatho wezempilo kunye nonyango kwaye ukuba uxinzelelo lwenkqubo ayinayo imiphumo emibi kuwe.