Ukufunda i-EOB yakho ye-EOB-Inkcazo yeeNzuzo

Xa ugqiba ukuthatha amanyathelo okulawula iindleko zakho zezempilo, ukwazi ukuba ufunde i-insurer yakho yempilo, i-Medicare okanye iphepha lomnye umhlawuli, elibizwa ngokuba yi-EOB, Inkcazo yeeNzuzo, linokukunceda.

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Iisiseko ze-EOB - Inkcazo yeeNzuzo

Kukho iziqendu ezintathu zamaphepha oza kulufuna ukuthelekisa.

1. Uluhlu lweenkonzo ezenziwe. Oku kunikezelwa kuwe xa ushiya iofisi yegqirha okanye indawo yokuvavanya.
2. Umthetho osayilwayo ugqirha okanye isikhungo sezempilo sikuthumela . Luluhlu lweenkonzo ezivela # # ngasentla, kunye neentlawulo zenkonzo nganye.
3. Inkcazo yeenzuzo - i-EOB - evela kumhlawuli wakho (umshwalense, iMedare okanye omnye umhlawuleli). Eli nqaku lichaza ulwazi kwi-EOB yakho.

Phakathi kwamaphepha amathathu, uzakufumana isigama kunye neikhowudi eziza kukunceda uqiniseke ukuba uhlawulwa kuphela ngeenkonzo ezenziwe.

Okokuqala: Siza kujonga iinkonzo ezidweliswe kwi-EOB.

Nangona i-inshore yakho ye-EOB ayiyi kubonakala njengaye, le ngcaciso iyafana.

Okokuqala, uza kubona ininzi yolwazi lomntu siqu njengamanani akho amabango, iinombolo zeqela kunye nokunye. Ndibasuse apha.

Uya kuphawula igama lomnikezeli. Leyo ngcaciso yakho yokuqala yokusetyenziswa ngoba ikwazisa ukuba yeyiphi iibhilikhwe zakho zokuqhagamshelanisa nazo. Ngamanye amaxesha uya kufumana i-EOB eyodwa kwi-billing yakho nganye.

Uludwe lweenkonzo, iikhowudi ze-CPT, umrhumo ohlawulwayo kwaye uvunyiwe uya kuba khona. Siza kuxubusha ukuba zeziphi na iindlela zokuzisebenzisa kumanyathelo ambalwa alandelayo.

Olunye ulwazi oluya kufumana luya kuba yimathematika - ingahlawulwa njani, ingaba umgcini-mali uya kuhlawulwa ngokwenani, kwaye uninzi lwexabiso lakho elichithwayo.

"Ukuhlawulwa kuMboneleli" kuthetha ukuba uninzi lwemali elithunyelwe kugqirha.

"Ukuhlawulwa kuMxhamli" kuthetha ukuba bathumela isheke kuwe, kwaye kukuya kuwe ukuhlawula ugqirha.

Ngoku asiyeke i-EOB kwiindawo zayo.

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Ukufumana kunye nokuNxibelelaniswa kweeNkonzo kwiNgcaciso yakho yeeNzuzo (EOB)

Uza kufumana uluhlu lweenkonzo, njengaye kwilwayo yegqirha.

Uluhlu lweenkonzo ezibonelelwe lunokuba yimfihlelo kuba loo migaqo yeenkonzo inokudideka.

Njengoko unako ukubheka i-bill yegqirha yakho, ungabheka kwi-EOB, nayo. Nantsi indlela:

Ukuze ufunde oko kuchazwa isigama, sebenzisa isichazi sezonyango okanye uluhlu lweemvavanyo zonyango.

Kwimizekelo engentla, ndiyakwazi ukujonga amagama afana:

"IPelen Panel" ekhangele ukuba ibe vavanyo lwamanqanaba e-cholesterol yam.

"I-Venipuncture rhoqo" esho kuphela ukuqokelela igazi

Unokufumanisa ukuba ufumana ngaphezulu kwe-EOB eyodwa kwirejista efanayo. Uya kufuna ukuqiniseka ukuba akukho nkonzo zidweliswe kabini kweso sihlandlo esifanayo. Ngokomzekelo, unokuba negazi utyalwe kwiindwendwe ezimbini ezahlukileyo, kodwa awuyi kukhangela, kwaye uhlawuliswe, kabini ngosuku olufanayo.

Ukuba unenkathazo yokumisa iinkonzo, ungasebenzisa iikhowudi ze-CPT.

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Ukuguqula iikhowudi ze-CPT phakathi kweeBhili zonyango kunye nee-EOB

Xa uthelekisa iindleko zakho zonyango kwi-EOB yakho, iikhowudi ze-CPT zifanele zifane.

Xa sibheke i -bill yegqirha yakho , sachonga iikhowudi ze-CPT njengeempawu zeefayili ezinhlanu ezichaza nganye inkonzo enikezelwe yona kwisihlomelo samanani.

Xhumanisa apha ukuba ungathanda ukuhlaziya iikhowudi ze-CPT kunye nendlela yokufumana ukuba yiziphi iinkonzo ezimelelwe yiziphi iikhowudi.

Uza kusebenzisa le ntsebenzo efanayo kwirejista yenkonzo oyifumene nodokotela wakho, kunye ne-bill yegqirha oyifumene nayo. Kufuneka ukwazi ukudibanisa zonke iinkonzo phakathi kwazo.

Ekugqibeleni, inqaku lokugqibela le-EOB lixabiso.

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Ukuthatha Ukujonga kwiindleko zeNkonzo kunye neMbuyekezo yoMboneleli

Oko ugqirha wakho uhlawula khona, kwaye yintoni inkokhelo yakho ehlawulwayo, ayiyi kuba yinto efanayo. Unokuqhathanisa loo mali usebenzisa i-EOB yakho.

Imali yemali ehlawulwe ngugqirha wakho nge-inshurensi / umhlawuli-mali ubizwa ngokuba yi- reimbursement . Uza kubona oko ugqirha wakho abuyiselwa khona ngumhlawuli wakho kwi-"Imvume" echazwe ngasentla.

Ngokuqhelekileyo, umlinganiselo ugqirha wakho uhlawulisa iinkonzo zakhe, njengoko kuboniswe kwinqununu yakhe kunye ne-EOB, kunye nomvuzo wakho ohlawulayo loo ntlawulo, njengoko kubonwe kwi-EOB kuphela, zizinto ezimbini ezahlukeneyo. Ukubuyiselwa kwemali ngokuqhelekileyo kuncinci kunokuhlawulwa kwegqirha.

Ungasebenzisa i-EOB ukuthelekisa ezi zimbini. Uya kufunda ezimbini izinto:

• Yintoni eyimali yomshuwalense ehlawule ugqirha wakho (ehlawulwa) egameni lakho. (Musa ukulibala, ngokuhlawula iiprimiyamu ze-inshorensi, uhlawule umshwalense ukwenza oku.)
• Isixa esingakhokhelwa siya kuba ngumlinganiselo phakathi kweNani eliThengisiweyo kunye nemali evunyelweyo. Kwiimeko ezininzi, ngaphandle kokuba uxelelwe ngokwahlukileyo ngumboneleli wakho ngaphambi kwexesha, oko kuthetha ukuba umehluko uya kuxolelwa (awuyi kuba netyala lokohluko) kuba akakwazi ukubuyela kuwe ukuba akuhlawule. Kukho ukungafani - jonga ukuhlawula imali .

Ezinye ii-EOB, kodwa kungekhona zonke, ziya kukubonisa izilinganiso kwiakhawunti yakho. Ngokomzekelo, ukuba sele sele uhlawule inxalenye ye-deductible yonyaka wakho wokugqibela, oko kungabonakala kwi-EOB yakho.