Izinto Ezimangalisayo Azingabonakali Ngomshuwalense Wezempilo

Izinto ezingagqitywa yi-inshorensi yempilo ibaluleke kakhulu njengoko kuboniswe.

Unokungaziqondi ezi zinto eziqhelekileyo azifakwe yinshuwalense yezempilo. Ukufumanisa ukuba kufuneka uhlawule ibhilikhi enkulu yonyango oye wacinga ukuba i-inshorensi yakho yezempilo iya kuhlawula ingaba yinto emangalisayo. Nantsi into ekumele uyibukele.

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Ukuphula uMthetho

Intsholongwane yakho yempilo ayinakho ukuhlawula iindleko zonyango oye wenza ngayo into engekho mthethweni. Eyaziwayo njengomsebenzi wokungabikho mthethweni, ukuba umgaqo-nkqubo we-inshorensi yempilo unayo, kuthetha ukuba awuyi kuhlawulwa ngeendleko zonyango ezibangelwa ukuthatha inxaxheba kwisenzo esingekho mthethweni.

Ukukhawuleza i-bill ye-urgence ye-$ 2,000 xa utshisa ngokwakho ukukhanyisa i-grill kwipikiniki yasekhaya? Kusenokwenzeka ukuba ihlanganisiwe.

Ukuhlawula imali engama-$ 200,000 kwinqanaba elijongene nokutshatyalaliswa kweyunithi emva kokubamba iinwele zakho ngomlilo nge-cocaine yamahhala? Ukuba umgaqo-nkqubo we-inshorensi yempilo unesenzo sokungabikho mthethweni, eso sivivinywa siya kuza kuwe.

Ezinye iindawo zithintela ukungabikho kwemithetho engekho mthethweni, kwaye amaninzi amaninzi avimbela abo baso-inshurensi ukuba baphumelele ukugqitywa kokungabikho kwi-insured based based on the influence of drugs and / or alcohol. Unokuzijonga ngesebe le-inshorensi kwimeko yakho ukuze ufumane eyongezelelweyo malunga nokuba ngaba-inshurensi bayavunyelwa ukukhanyela ukukhutshwa kweziganeko ezibandakanya izenzo ezingekho mthethweni.

> Imithombo:

> Reger, uAlex. I-Ofisi yoPhando loMthetho we-Connecticut. UMthetho ongekho mthethweni kunye neMichiza neNxila engekho kwiiNkcazo zeeNtsholongwane zezeMpilo . Agasti 1, 2016.

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Iimpawu zokuhamba

Ukufumana iibhotshi phambi kwekhefu lakho langaphandle? Intsholongwane yakho yempilo ayinakho ukuhlawula ukugonywa kwakho kohambo. Nangona zonke iiprogram ze-inshorensi zempilo ezingabonakaliyo zifihla iigcino ezicetyiswa rhoqo ekukhuselweni kwe-prevention e-US, izitofu zezifo ezitshatyalaliswayo ezinengxaki apho uhlala khona mhlawumbi kungagqitywanga isicwangciso se-inshorensi yakho.

Ngaba udinga i-tetanus shot ngenxa yokuba unqande isandla sakho kwimiyezo ebaleni lakho elingasemva? Umthetho osayilwayo mhlawumbi uhlanganiswe yinshorensi yakho yempilo.

Ngaba ufuna isidlo segciwane lesigobho ukuze uhambe uhlasele eMfuleni wase-Amazon? Yilungele ukuhlawula yona.

Indlela yokufumana iiphene eziphantsi kweendleko zabadala

> Imithombo:

> Amacandelo okuLawula nokuLawula izifo. Iigcini ezinconywayo nge-Age.

> HealthCare.gov. Izibonelelo zeMpilo kunye nokuPhucula. Iinkonzo zeMpilo.

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Izigunyaziso zangaphambili Aziqinisekisi Iintlawulo zeNtshuwalense yeMpilo

Ngaba ucinga ukuba ufumane imvume yokuqala kwenkampani yakho yomshuwalense ye-MRI, CT scan, okanye inkqubo, ithetha inkampani yomshuwalense uye wavuma ukunyathela umyalelo wesikhokhelo? Cinga kwakhona.

Uninzi lweenkampani ze-inshorensi zempilo zidinga ukugunyazwa kwangaphambili phambi kokuba uvavanyo olubi okanye inkqubo yenziwe. Kodwa, ngenxa yokuba inkampani yakho ye-inshorensi yangaphambili-egunyazisiweyo uvavanyo aluthethi ukuba inkampani yakho ye-inshorensi iyayihlawula ngokwenene .

Izigunyaziso zangaphambili zibandakanya icandelwana ehamba into efana nale: "Eli gunyaziso ayikho isiqinisekiso sokuhlawula. Inzuzo yokufumana inzuzo ixhomekeke kwiimfuno zonyango kunye nokufaneleka kwamalungu. "Oku kuthetha ukuba inkampani yomshuwalense inquma ukuba emva kokuvavanya ukuba ixabiso elivakalayo okanye inkqubo ayimfuneko, inokuthi inqabe ukuhlawula ibhajethi nangona igunyazisiwe ngaphambili okanye inkqubo.

Indlela yokufumana isicelo sokugunyazwa kwangaphambili sokugunyazwa

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Isimo sokwamkelwa kwezibhedlele esingalunganga: Isimo sokuqwalasela nesimo sengqondo esingenasifo

I-inshorensi yakho yempilo ayinakho ukuhlawula isihlala sakho esibhedlele ukuba ungeniswe kwisigulana kodwa inkampani yakho yomshuwalense iyicinga ukuba kufuneka ube yimeko yokujonga .

Xa ufakwa esibhedlele, unikwe isikhundla. Ezi zimbini eziqhelekileyo zisesimo sokugula kunye nesimo sokujonga.

Izigulane zokuqwalasela zizonyango, nangona zihlala ubusuku okanye zide kwindlu yokubhedlele njengezigulane. Ngokuqhelekileyo, ukuba ugqirha wakho ulindele ukuba ube esibhedlele ubuncinane ubuncinane ezimbini, ukuhlala kwakho kuya kuthathwa njengesigulana. Kodwa awukwazi ukuba yeyiphi isimo esabelwe ngaphandle kokuba ucele.

Isimo sakho sokwamkelwa sibaluleke kakhulu kwi-wallet yakho . Ukuba inkampani yakho ye-inshorensi okanye i-Medicare inquma ukuba bekufuneka ube yimeko yokujonga xa usenyanisekile kwisimo sokugula, inkampani yomshuwalense inokungafuni ukuhlawula i-bill bill.

Uhlobo lwesiphene sobugcisa, ukujonga ngokuphambene neziphene zonyango zivumela iinkampani ze-inshorensi zempilo kunye ne-Medicare ukuba inqabe ukuhlawula i-bill. Baya kuthi banokuhlala esibhedlele kungabandakanywa yinshuwalense yezempilo ngenxa yokuba isibhedlele saqhekeza imithetho ngokukuvuma kwiimeko ezingalunganga.

Kwiphepha le-flip, ukuba ubeka kwindawo yokujonga, kuba ungokoqobo lwezempilo, unokuba noxanduva lwenxaxheba enkulu ebhaliweyo kunokuba wawuya kuba unesifo sengqondo. Iinkonzo zonyango zihlala zibandakanya i- coinsurance kwaye ingenakuxhamla iinkonzo kunye. Ngoko, unokufumanisa uhlawula i-20% ye-coinsurance nganye kwiimvavanyo zegazi, i-x-ray, i-injection, i-Band-Aid, kunye nonyango oye wafumana ngenkathi usesikhungweni njengesigulane sokubona.

Nangona i-billing ye-share yakho yeendleko zeenkonzo zonyango zingabonakala zikhulu kakhulu, cinga kabini ngaphambi kokuba uxubushe ngesimo sengqondo esinezigulane. Umshuwalense wezempilo unokukhanyela yonke ibhajethi yesibhedlele esiphelelwe isigulane xa ithetha ukuba unonophelo kufuneka unikezwe kwisimo sengqondo sokubheka isiguli kunokuba isigulana.

Ngakolunye uhlangothi, ukuba uya kudingeka ukuba uhlale kwisibhedlele esinesiqinisekiso emva kokushiya esibhedlele, u-Medicare uya kuwufihla nje ukuba uthe wachitha ubuncinane iintsuku ezintathu esibhedlele njengesigulana ngaphambi kokudluliselwa kwisibonelelo sokunesi. . Isikhathi esichithwa esibhedlele njengoko phantsi kokuqwalasela akubali kwiintsuku zesibhedlele ezifunekayo ukuze kusebenze ukukhutshwa kwe-Medicare kwisibonelelo sokunesi.

Funda kabanzi malunga nokujonga imeko, indlela osebenza ngayo izikhokelo zomsebenzi, kwaye kutheni ixabisa ngakumbi.

> Imithombo:

> Amasebe e-Medicare neeNkonzo zeMedicaid. Iphepha leNkcazo: I-Two-Midnight Rule Rule. Julayi 2015.

> Medicare.gov. Unonophelo loNonophelo lweZonyango.

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Unonophelo lweKhaya lononophelo

Cinga i-inshorensi yakho yempilo okanye i-Medicare iya kuhlawula ukunakekelwa kwekhaya lononophelo xa ungekwazi ukuzikhathalela? Cinga kwakhona.

Akukho unyango okanye iinkampani zomshuwalense zempilo yabucala ezihlawula ukunyamekelwa kwexesha elide. Uya kufuneka uhlawule ikhaya lakho lokunonyamekela, indawo yokuhlala yokuncedisa, okanye unyango lwempilo yakho ekhaya ukuba unayo inshorensi yonyango elide .

Oku akuthethi ukuba i-Medicare kunye nenkampani ye-inshorensi yezempilo ayayi kuze ihlawule indlu yokuhlala. Enyanisweni, i-Medicare inakho ukuhlawula i-short-term, ezinezakhono zokuvuselela iinkonzo kwikhaya labahlengikazi (becinga ukuba uchithe ubuncinane iintsuku ezintathu kwisibhedlele njengomntu osisigulane ngaphambi kokutshintshwa kwiziko loongikazi abanezakhono). Kodwa, ayiyi kuhlawula inkonzo yexesha elide lokukhusela .

Isibalulekileyo apha sizathu sokuba ufuna ikhaya labahlengikazi. Ukuba injongo yokunakekelwa kwekhaya lononophelo ukulungiswa, ngamanye amazwi, ukuba uzama ukuphinda uphinde uphumelele kwizakhono unalo ithuba lokubuyela kwakhona, inkampani yakho yinshorensi yempilo ingakhokhela kwikhaya lokunakekelwa ixesha elifutshane. Ngokomzekelo, unokuvunyelwa ukuba unakekelwa ngumntu onomdla emva kokuphazamiseka xa ufumana unyango olunzulu lomzimba, umsebenzi kunye nenkulumo ekuncedeni ukuba uphinde ufunde indlela yokuma kwindawo ehleli kuyo, uzondle, uze uqhube amazinyo akho.

Ukuba umnqweno wekhaya lononophelo uhlala unonophelo lolondolozo (oko kukuthi, uncedo ngemisebenzi yokuphila kwansuku zonke, kunokuba umzamo wokuphinda uphinde ulahleke izakhono uze ubuyele ekhaya lakho), ukuhlala ekhaya lakho lokunyamekela kungabandakanywa yinshuwalense yezempilo.

Kukho izibini ezimbini eziphawulekayo. I-Medicaid, inkqubo ye-inshorensi karhulumente-based-based-people-income-income-careers, iquka ukunakekelwa kwabantwana abangaphantsi kwexesha elide bengenazo iimpahla zokuhlawula ngokwabo. Kwakhona, ezininzi iinkqubo zokubhedlele i-hospice zinika ukhetho kwikhaya loongikazi okanye kwiziko lokunyamekela. Kodwa, ekubeni iinkonzo zokubhedlele ziza kubantu abagulayo abanomdla wokuphila okungaphantsi kweenyanga ezintandathu, awuyi kufuna le nzuzo ixesha elide ukuba uyakufanelekela.

UMthetho woNonophelo olunganakuncedo wawubandakanya ilungiselelo elibizwa ngokuba nguMthetho weCASS (IiNkonzo zoLuntu zoLuntu kunye neNkxaso yeeNkxaso), eziya kubavumela abantu ukuba babhalise kwinkqubo kawonkewonke eya kuba neenzuzo zokufakela ezinye zeendleko zokunyamekelwa kwexesha elide. Nangona kunjalo, ngokuwa kwe-2011, unyaka-nesigamu emva kokuba i-ACA isetyenziswe, urhulumente wesigqeba wayephelile uMthetho we-CLASS phakathi kweengxaki ezingenako ukufikelela kwexesha elide lemali.

Ngeli xesha, abantu banokhetho olunokubaluleka kwexesha elide: banokusebenzisa zonke iimpahla zabo, ngelo xesha baya kulungelelaniswa ne-Medicaid, okanye bangathenga umgaqo-nkqubo wokunakekelwa kwangexesha elide, okanye banokuxhomekeka kwiimali ezizimeleyo ukuze bafumane iindleko zexesha elide zonyango. Ukuxhomekeka kwi-inshurensi yempilo (ngaphandle kweMedicaid), nangona kunjalo, ayiyi kusebenza.

> Imithombo:

> Kaiser Family Foundation. Ulungiso lwezeMpilo kunye noMthetho weCASS . Epreli 2010.

> Medicare.gov. I-Medicare Coverage-Care-Term-Care.

> Medicare.gov. I-Medicare Coverage-Skilled Nursing Facility.