Ngombulelo kuMthetho ononophelo olungabonakaliyo , abaqinisekisi bempilo e-US kufuneka bahlasele ngononophelo lwempilo ngaphandle kokufuna ukuba uhlawule i- deductible , ikhoayment , okanye i- coinsurance .
Ngoko, yiyiphi into ebalulekileyo njengento yokukhusela? Nalu uluhlu lweenkonzo zokukhathalela abantu abadala ukuba, ukuba unyanzeliswa ngudokotela wakho, kufuneka unikezwe ngenkululeko yokuwabelana ngeendleko .
Abantwana banoluhlu oluhlukileyo .
Amanyathelo okukhusela umdlavuza:
- Umhlaza ophezulu ohambelana nawo : kulabo bantu abangaphezu kweminyaka engama-50 ubudala, kubandakanywa ukuhlola i-colonoscopies, ukususwa kwee-polyps ezifunyanwe ngexesha lokujonga i-colonoscopy, kunye neenkonzo ze-anesthesia ezifunekayo ukwenza i-colonoscopy yokuhlola
- Umdlavuza wesifuba: Ukubandakanya ukuhlolwa kwimizimba yonke imizuzu engama-1-2 kubafazi abangaphezu kwama-40, uvavanyo lwe-BRCA kunye nokucebisa abafazi abasengozini enkulu, kunye neengcebiso ze-chemoprevention yomhlaza webele
- Umhlaza wesifo somlomo wesibeleko: Ukuhlolisiswa kwabasetyhini abasetyhini; Ukuhlolwa kwe-DNA ye-papillomavirus rhoqo emva kweminyaka emithathu kubafazi abangaphezu kwama-30
- Umdlavuza womlenze ohlobene: ukuhlola abantu ababhemayo okanye abo bayeka ukutshaya kwiminyaka eyi-15 edlulileyo kwaye baphakathi kweminyaka eyi-55 no-80
Ukukhuthazwa kwezifo zokukhusela izifo:
- Ukuhlolwa kwesifo se-Hepatitis C ngesinye isikhathi kubani na umntu ozelwe ngo-1945-1965 kunye nawuphi na umntu omdala osengozini enkulu
- Ukuhlolwa kwe-Hepatitis B kwabasetyhini abakhulelweyo ekutyelelweni kwabo kokuqala kokubeletha
- Ukuhlolwa kwentsholongwane kaGawulayo kwanoma ubani phakathi kweminyaka eyi-15 ukuya ku-65, abesetyhini abasetyhini kunye nabanye abasengozini enkulu
- Ukuhlola i-Syphilis kubantu abadala abasengozini enkulu kunye nabo bonke abafazi abakhulelweyo
- Ukuhlola i-Chlamydia kubasetyhini nabasetyhini abasengozini enkulu
- I-Gonorrhea ukuhlolwa kwenyango yabesifazane abasengozini enkulu
- Ukucetyiswa ngocwangco ngocwangco kubantu abadala ekungciphekweni
- Ukugonywa rhoqo ngabantu abadala njengoko kunconywa ngumdala
- I-hepatitis A.
- I-hepatitis B.
- I-Herpes Zoster (izibonda).
- Human Papillomavirus.
- Umkhuhlane (umkhuhlane).
- Imishukela, i-Mumps, iRubella.
- Meningococcal.
- Pneumococcal.
- I-Tetanus, i-Diphtheria, i-Pertussis (i-lock-jaw kunye nokukhwehlela).
- Varicella (inkukhu yenkukhu).
Ukujongana nokunyameka nokucetyiswa.
Ukunika iingcebiso ngokutya kubantu abadala abasengozini enkulu yezifo ezingapheliyo.
Ikhuthazwe amanyathelo okukhusela ngesifo se-cardiovascular:
- Ukuhlolwa kwe-Cholesterol kubadala abadala kunye nabantu abadala beeminyaka ethile
- Ukuxilongwa kwegazi
- Uhlobo lwesifo sikashukela se-2 ukuhlola abantu abadala abanegazi eliphezulu
- I-Aortic Aneurysm yokuhlola ixesha elilodwa lamadoda atshayile
- I-Aspirin xa isetyenziselwa ukukhusela isifo senhliziyo ngexesha elide
Amanyathelo okuthintela ukusetyenziswa kotywala kakubi:
- Ukusetyenziswa kotywala kakubi kakubi kunye nokucebisa
- Ukusetyenziswa kobugqwetha ukuhlolisisa nokupheliswa kokungena kwabasebenzisi beetuba
Ukucima ukunyanzeliswa.
Ubundlobongela basekhaya kunye nokujongana nobudlobongela obundlobongela kunye nokucebisa bonke abafazi.
Ukuhlolwa kwe-Osteoporosis kwabasetyhini abangaphezu kwama-60 ngokusekelwe kwimingcipheko.
Ukutyelela kwamabhinqa angaphantsi kweminyaka engama-65.
Ulwaphulo-mboleko kubasetyhini abanekhono lokuzalana njengoko kumiselwe ngumboneleli wezempilo.
Akwabandakanyi iziyobisi ezisetyenziswayo, ayisebenzisi kwizicwangciso zempilo ezixhaswe ngabaqeshi benkolo abaxolelwe. Funda kabanzi malunga neenkcukacha zokuqhawula ngeendleko ezingabonakaliyo kwi-" Ulawulo lokuzalwa kwamahhala-Khulisa uMncediso wakho wokuNakekela ongenakunciphisa ."
Iinkonzo zokukhusela abafazi abakhulelweyo okanye abahlengikazi:
- Ukuhlola i-anemia
- Ukuxhaswa ngokubeleka kunye nokucebisa okuquka izinto
- Izilwanyana ze-folic ze-acid ezikhulelweyo kunye nabanokukhulelwa
- Ukuhlolwa kwesifo sikashukela kwi-24 kunye neveki ezingama-28 kunye nabangengozini enkulu
- Ukuhlolwa kwe-Hepatitis B ekutyelelweni kokuqala kokubeletha
- I-Rh engahambelani ukuhlolwa kwenzeni bonke abafazi abakhulelweyo kwaye balandele ukuhlolisisa ukuba kukho umngcipheko ophezulu
- Ukucetyiswa kweengcawa zeeguba
- I-urinary tract okanye olunye ukuhlolwa kwesifo
- Ukuhlolwa kwesipilisi
Kutheni Ukunyamekela Ukukhusela Kungenanto
Ukuba i-inshorensi yakho yempilo isicwangciso sezempilo esiphezulu, sivunyelwe ukuhlawula ukwabelana ngeendleko zokunyamekela ukukhusela. Ekubeni izicwangciso zezempilo ezizalisekile zilahlekelwa yimeko yazo enkulu xa zizenza utshintsho olukhulu kwisicwangciso, ziba ziphantsi kangako njengoko ixesha lidlulayo. Uncwadi lwakho lwezonyango luya kukuxelela ukuba isicwangciso sakho sezempilo sizalwe. Ngaphandle koko, ungabiza inombolo yenkonzo yomthengi kwikhadi le-inshurensi yezempilo okanye khangela ngesebe lakho leenkonzo.
Ukuba unonophelo lwempilo lononophelo olulondoloziweyo olisebenzisa inethiwekhi yomboneleli , isicwangciso sakho sempilo sivumelekile ukuba sihlawule ukwabelana ngeendleko zokunyamekela okukhuselweyo ozifumanayo kumnikezeli-ngaphandle wenethiwekhi. Ukuba awufuni ukuhlawula ukunakekelwa kokukhusela, sebenzisa umboneleli we- in-network .
Ukuba inkonzo yokukhusela ayikho:
- lilinganiswe "A" okanye "B" kwiinkomfa zangoku ze-United States zokuSebenza zeNkxaso
- unikezelwa kwizikhokelo ezipheleleyo ezixhaswa yiMpilo yeeNkonzo kunye noLawulo lweeNkonzo
- Kunconywe yiKomidi elicebisi malunga neMigudu yokuLawula amaZiko okuLawulwa kweNtsholongwane kunye nokuKhusela
ngoko ngokuqhelekileyo ayiyi kunikwa ngaphandle kokubelana ngeendleko.
Ukunyamekela okuKhuselekileyo akunakhululwa ngokukhululekileyo
Nangona isicwangciso sakho sempilo kufuneka sihlawule iinkonzo zezempilo zokukhusela ngaphandle kokukuhlawula i-deductible, i-copay okanye i-coinsurance, oku akuthethi ukuba ezo nkonzo zikhululekile kuwe. I-insurer yakho ithatha iindleko zeenkonzo zokunakekela ukhuseleko xa zibeka amaxabiso akho e-premium ngonyaka.
Nangona ungahlawuli iindleko zokwabelana ngeendleko xa ufumana unyango lokukhusela, indleko zale nkonzo zihlanganiswe kwiindleko zeminshuwalense yakho yempilo. Oku kuthetha ukuba, nokuba awukhethi ukuba ufumane unyango olukhuselweyo olukhuselweyo, uhlawula ngayo ngeendleko zee-premium zempilo zepomsomali.
Imithombo:
IiNkonzo zezeMpilo eziPhezulu kubantu abadala, i-HealthCare.gov. Fi kelelwa ngo 5/27/2015.
I-FAQ yoQinisekiso lweMpilo yokuPhuhliswa kweeNkqubo zokuSebenza - Setha 12, Isiko soLwazi lwaBathengi kunye noLawulo lweNtsholongwane, amaziko e-Medicare kunye neenkonzo zeMedicaid. Fi kelelwa ngo 5/27/2015.
I-FAQ yoQinisekiso lwe-Career Implementation FAQ - Setha 18, Isiko soLwazi lwaBathengi kunye noLawulo lwe-inshurensi, amaziko e-Medicare neeNkonzo zeMedicaid. Fi kelelwa ngo 5/27/2015.
Imibuzo ye-FAQ malunga noMthetho wokuNakekelwa koNonophelo olungabonakaliyo (ICandelo lama-XXVI), uLawulo lweZibonelelo zoKhuseleko lwaBasebenzi, i-United States Isebe lezabasebenzi. Ufikelele ngomhla ka 5/28/2015.