Izindlela eziyisishiyagalombili zokunciphisa izindleko zakho zokunakekelwa kwezempilo

Izindleko zokunakekelwa kwezempilo ziyaqhubeka nokukhuphuka. Kungakho kusiza ukufunda ukuthi ungazithatha kanjani izinyathelo zokunciphisa izindleko zakho zokunakekelwa kwezempilo ezingaphandle kwesikhwama.

Funda ukuthi wonga kanjani imali bese uthola ukunakekelwa okudingayo. Qala ngokubheka imininingwane yohlelo lwakho ukuze wazi ukuthi iziphi izinsizakalo ezitholakalayo. Zama amathiphu angezansi ukukusiza ukuthi uthole okuningi ezinzuzweni zakho futhi wonge imali enakekelweni yakho.

1. Gcina Imali Ngemithi

Kunezindlela ezimbalwa zokunciphisa izindleko emithini yakho.

• Buza umhlinzeki wakho wezempilo ukuthi ungashintshela yini emithini ejwayelekile. Zinezithako ezifanayo ezisebenzayo, kodwa zibiza ngaphansi kwezidakamizwa zegama lomkhiqizo.
• Buza umhlinzeki wakho uma kukhona umuthi ongabizi kakhulu olapha isimo esifanayo.
• Bona ukuthi ungakwazi yini uku-oda umuthi wakho ngeposi.
• Thatha yonke imithi yakho njengoba uqondisiwe. Ukungawuthathi umuthi wakho noma ukungawuthathi ngokwanele umuthi kungaholela kwezinye izinkinga zezempilo.

2. Sebenzisa Izinzuzo Zakho

• Thola ukuhlolwa kwempilo okujwayelekile. Lezi zivivinyo zingabamba izinkinga zempilo kusenesikhathi, lapho zingelashwa kalula. Futhi imvamisa akudingeki ukuthi ukhokhe i-copay yokuhlolwa impilo, imigomo kanye nokuvakashelwa kahle minyaka yonke.
• Thola ukunakekelwa ngaphambi kokubeletha uma ukhulelwe. Le yindlela engcono yokuqinisekisa ukuthi wena nengane yakho nizophila.
• Ezinye izinhlelo zezempilo zinikeza abameli bezempilo noma abaphathi bamacala. Ummeli wezempilo angakusiza uthole okuhle kakhulu kwezinzuzo zakho. Umphathi wecala angakusiza ukuphatha izinkinga zezempilo eziyinkimbinkimbi njengesifo sikashukela noma i-asthma.
• Sebenzisa amasevisi wamahhala nesehlisiwe. Izinhlelo eziningi zezempilo zinikeza izaphulelo ezintweni ezinjengobulungu bejimu noma izigqoko zamehlo.

3. Hlela Kusengaphambili Ukuthola Ukunakekelwa Okuphuthumayo Nokuphuthumayo

Lapho ukugula noma ukulimala kwenzeka, udinga ukunquma ukuthi kubi kangakanani nokuthi uzoluthola ngokushesha kangakanani usizo lwezempilo. Lokhu kuzokusiza ukhethe ukuthi ushayele umhlinzeki wakho, uye emtholampilo wokunakekelwa okuphuthumayo, noma uthole usizo oluphuthumayo.

Unganquma ukuthi ungakutholaphi ukunakekelwa ngokucabanga ukuthi udinga ukunakekelwa ngokushesha kangakanani.

• Uma umuntu noma ingane engakazalwa ingafa noma ilimale unomphela, kuyisimo esiphuthumayo. Izibonelo zifaka phakathi ubuhlungu besifuba, ukuphefumula kanzima, noma ubuhlungu obukhulu noma ukuphuma kwegazi.
• Uma udinga ukunakekelwa okungakwazi ukulinda kuze kube usuku olulandelayo ukubona umhlinzeki wakho, udinga ukunakekelwa okuphuthumayo. Izibonelo zokunakekelwa okuphuthumayo zifaka i-strep throat, ukutheleleka kwesinye, noma ukulunywa yinja.

Uzokonga kokubili isikhathi nemali uma usebenzisa isikhungo sokunakekela esiphuthumayo noma ubona umhlinzeki wakho kunokuba uye emnyangweni ophuthumayo. Hlela kusengaphambili ngokwazi ukuthi yisiphi isikhungo sokunakekela esiphuthumayo esiseduze nawe. Futhi, funda ukuthi ungasibona kanjani isimo esiphuthumayo kubantu abadala nasenganeni.

4. Buza Ngezinsiza Zezokwelapha Zangaphandle

Uma udinga inqubo noma ukuhlinzwa, cela umhlinzeki wakho ukuthi ungakwenza yini emtholampilo wabangalaliswayo. Imvamisa, ukunakekelwa emtholampilo kushibhile kunokulandela inqubo efanayo esibhedlela.

5. Khetha Abahlinzeki Bokunakekelwa Kwezempilo Abangaphakathi

Ngokuya ngesembozo sakho sezempilo, ungaba nenketho yokubona abahlinzeki abaku-network noma abangaphandle kwenethiwekhi. Ukhokha kancane ukubona abahlinzeki abaku-network, ngoba banenkontileka nohlelo lwakho lwezempilo. Lokhu kusho ukuthi babiza amanani aphansi.

6. Nakekela Impilo Yakho

Indlela elula yokonga imali ekunakekelweni kwezempilo ukuhlala uphilile. Vele, lokho kwesinye isikhathi kulula ukusho kunokukwenza. Kodwa ukuhlala esisindweni esinempilo, ukuzivocavoca umzimba njalo, nokungabhemi kwehlisa ingozi yezinkinga zempilo. Ukuhlala uphilile kukusiza ukuthi ugweme ukuhlolwa okubizayo nokwelashwa kwezimo eziqhubekayo ezifana nesifo sikashukela noma isifo senhliziyo.

7. Khetha uhlelo lwezempilo olulungele wena.

Lapho ukhetha uhlelo, cabanga ngezidingo zezempilo zakho nezomndeni wakho. Uma ukhetha uhlelo ngamaphrimiyamu aphezulu, izindleko zakho eziningi zezempilo zizokhokhwa. Lokhu kungaba umqondo omuhle uma unenkinga yezempilo, njengesifo sikashukela, futhi udinga ukunakekelwa njalo. Uma ungavami udinga ukunakekelwa kwezokwelapha, lapho-ke ungahle uthande ukukhetha uhlelo olunokudonswa okuphezulu. Uzokhokha amaprimiyamu aphansi nyangazonke futhi kungenzeka wonge imali ngokuphelele. Futhi qhathanisa ukumbozwa kwezidakamizwa kadokotela.

8.Sebenzisa i-Akhawunti Yokulondolozwa Kwezempilo (i-HSA) noma i-Flexible Spending Account (FSA)

Abaqashi abaningi banikela nge-HSA noma i-FSA. Lawa ama-akhawunti okonga akuvumela ukuthi ubeke eceleni imali ekhokhwa ngaphambi kwentela yezindleko zokunakekelwa kwezempilo. Lokhu kungakusiza ukuthi ulondoloze amakhulu ambalwa wamadola ngonyaka. Ama-HSA aphethwe nguwe, athola inzalo, futhi angadluliselwa kumqashi omusha. Ama-FSAs aphethwe ngumqashi wakho, awatholi nzalo, futhi kufanele asetshenziswe phakathi nonyaka wekhalenda.

I-American Board of Internal Medicine (AMBI) Foundation. Ukukhetha ngokuhlakanipha: izinsizakusebenza zesineke. Imidiya-okuchopingwisely.org/patient-resource. Kufinyelelwe ngo-Okthoba 29, 2020.

Izikhungo Zokulawulwa Nokuvimbelwa Kwezifo iwebhusayithi. Bona ukuthi yiziphi izivivinyo zokuhlola nokugoma wena noma umuntu omthandayo okudingeka uhlale uphilile. www.cdc.gov/prevention/index.html. Kubuyekezwe u-Okthoba 29, 2020. Kufinyelelwe ngo-Okthoba 29, 2020.

Healthcare.gov iwebhusayithi. Izikhungo ze-US zeMedicare & Medicaid Services. Izinsizakalo zezempilo zokuvimbela. www.healthcare.gov/coverage/preventive-care-benefits. Kufinyelelwe ngo-Okthoba 29, 2020.

Umsebenzi Wokuvikela Wase-US. Phequlula imininingwane yabathengi. www.uspreventiveservicestaskforce.org/uspstf/browse-information-consumers. Kufinyelelwe ngo-Okthoba 29, 2020.

• Usizo Lwezezimali