Ngaba Zonke Ezi zilingo Zonyango Ziyimfuneko?
Izigulane ezininzi zifumanisa ukuba oogqirha baye bawazisa iintlobo zeemvavanyo zesebe zonyango, kodwa abaziqondi izizathu emva kwabo bonke. Kutheni oogqirha bacebisa iimvavanyo ezininzi zonyango? Yintoni abanethemba lokufumana? Ngaba zonke ezo mvavanyo ziyimfuneko?
Ngaba Zonke Ezi Zivivinyo Ziyimfuneko?
Uninzi lweemvavanyo zonyango oya kugqirha imiyalelo yokuba ugqirha ingxaki yakho yonyango okanye ufumane inkqubela phambili yonyango.
Akukho vavanyo olulodwa olufunekayo, nangona kunjalo. Abanye banokukuxelela ukuba isizathu sokuba kukho iimvavanyo ezininzi kuba oogqirha abasayikuzithemba zabo izixhobo zokuvavanya isiguli. Ngoko ke, baxhomekeke kakhulu kwiziphumo zovavanyo.
Nangona kunjalo, kaninzi kwiinkonzo zempilo, impendulo ephakamileyo kulo mbuzo " landela imali ."
Kukho ngokwenene iindlela ezimbini zithintela umlinganiselo wovavanyo oluyalelwe izigulane:
Okokuqala, oogqirha bahlawulwa ngeenkampani zomshuwalense kunye ne- Medicare kuyo yonke isigulane abayibona ngokubangela ukuba bayibona isigulane kunye nantoni na.
Ngenxa yokuba iinkampani ze-inshorensi kunye ne-Medicare banciphisa inani lemali ugqirha unokuhlawulelwa naluphi na ukuxilongwa kwaye uyazi ukuba injongo yangempela ihlala ihlala kwishishini kwaye yenza imali, oogqirha baya kudlalela iindidi ezahlukeneyo - nantoni na bacinga ukuba hlawulwa ngesigulane.
Okungakumbi, ezi mvavanyo zenziwa ngokufanelekileyo kwiofisi yegqirha.
Lezo mvavanyo esazisebenzisa ukuya kwezinye iilabhu zokuvavanya - iimvavanyo zegazi, i-MRIs, i-EKG, kunye nabanye-ngoku ziphathwe kwimeko yesondlo.
Iimvavanyo ezininzi zoogqirha zihamba kwiiofisi zabo, ngaphezulu kwazo zihlawulwa, nokuba ingaba isiguli siyifunayo ngokwenene. Ekubeni izigulane ziqhathaniswa ukuba zihlawule ngokuthe ngqo kubo, kwaye ngenxa yokuba asiyiqondi ngokwenene kutheni sifuna, asizibuza.
Sithobela kuphela.
Isizathu sesibini sokuba oogqirha baninzi imvavanyo ibizwa ngokuba " yimithi ekhuselayo ." Iyeza elikhuselekileyo yindlela odokotela abazikhusela ngayo kumacala omthetho. Ukuba kukho ukuphosa kwenzelwa ukuxilongwa okanye unyango lwesigulane, kwaye ugqirha unokubonisa ukuba iimvavanyo ezithile zenziwa (nokuba ingafuneka okanye zingabalulekanga), ugqirha unokubonakala ngathi wayekhuthele ngokwaneleyo ukuba acinge ngamathuba amaninzi. Ngokwenene, udala umzila wephepha ukuzikhusela malunga nokuba uya kummangalela kamva.
Uvavanyo oluninzi luya kuhlawula imali
Ngeentsimbi zokutshintshwa kwe-inshorensi kunye nezibonelelo zokuhlawula umvuzo, ukuhlawulwa kwentlawulo kubanjwe ngokubanzi nangaphezulu kwezi fom zeemvavanyo. Kwiimeko zaseNew York State, oogqirha babeyalela i- MRIs (i-$ 1,000 nganye) kwizigulana ezazisetyenziswa nje ngokusetyenziswa kwama-x-rays abiza ngaphantsi (i-$ 100 nganye). Inkampani yomshuwalense yaqala ukukhanyela inkokhelo, kwaye izigulane zihlawulwa. Uya kufuna ukuqinisekisa ukuba naluphi na uvavanyo, nokuba ungayifuni ngokwenene, lufunyenwe yi-inshurensi yakho malunga neempawu zakho okanye ukuxilongwa.
Kwakhona, xa iimvavanyo ezongezelelweyo ziyalelwe ukuba zingabi nzuzo ngakumbi kunengeniso yonyango, sonke siyabahlawula. Sihlawula ngendlela yeeprimiyamu ezikhulayo, kwaye sihlawula ngendlela yentlawulo eyongezelelweyo ukuxhaswa ngabahlawuli berhafu.
Enyanisweni, ukuvavanywa ngokugqithiseleyo kwindleko zezigidi, ukuba kungabikho izigidigidi zeedola ngonyaka.
Sinokuyithintela njani ukuba sibe nezilingo ezininzi?
Impendulo efanelekileyo kakhulu kulo mbuzo ulwazi. Ukuba ugqirha uyalela izilingo kuwe, kukho izinto ezimbalwa onokuzenza:
- Kuzo zonke iimvavanyo: Buza imibuzo emibili. Uluphi uvavanyo? Kwaye, ulindele ntoni ukufumana?
- Uvavanyo lwegqirha luya eofisini (umsebenzi wegazi, i-EKG, kunye ne-MRIs), buza le mibuzo ingentla, ubuze ukuba luphi uphendlo oluya kuphendula ukuba olunye uvavanyo oluye lwabalelwa ngaphambili aluvumelekanga. Okanye, buza ukuba kukho ixabiso elingabizi kangako lovavanyo okanye omnye oza kunika ulwazi olwaneleyo kodwa kungabi ngaphezu koko. Ngokomzekelo, ugqirha unokudinga ukulingana nesifo sesifo sikashukela sikaHbA 1c ngokuthatha isampuli yegazi. Olu luvavanyo olulodwa. Kodwa ugqirha unokuyalela iipaneli ezigcweleyo zegazi endaweni yoko, into ephezulu kakhulu, engenakuyimfuneko kwaye ihlawulwe kwizinga eliphezulu (oko kuthetha ukuba yenza imali engaphezulu.
- Imvavanyo eyalelwe ebhokisini engaxhunyiwe kwi-ofisi yogqirha, cela imibuzo kwi # # ngasentla, kodwa ungakhathazeki kangako malunga nokuba ngaba loo mvavanyo iyongezwa ngaphandle kokuba ukholelwa ukuba ingafakwa kwisigaba sonyango sokuzikhusela. Ukuba ugqirha akakwazi ukuzuza kwiimvavanyo ezongezelelweyo ngokuthe ngqo, kunethuba elincinci lokufuneka ufumane ngaphaya kokufunayo. Izibheno okanye iikomishoni, apho ibhayibhile okanye isibonelelo sihlawula ugqirha ngokuthumela, akuvumelekanga kwiindawo ezininzi eUnited States. Ewe, kukho imimiselo yobuqhetseba . Ukuba unamandla okwaneleyo, unokuziphinda ulandele loo nto. Kodwa njengokuba isigulane, injongo yakho yeenombolo ukuphumelela, ungabutyhili ubuqhetseba.
- Kuzo zonke iimvavanyo, cela xa iziphumo ziza kufumaneka kwaye zicele ukuba iikopi zeemvavanyo kunye neirekodi zibonelelwe zona.