Izindlela Ezi-10 Ezihlakaniphile Zokunciphisa Izikweletu Zakho Zokunakekelwa Kwezempilo

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UKHOKHELWA NGOKWE-CO. IZINHLELO. IZINDLEKO ZOKUPHELA KWESIKHWAMA. Kungazizwa sengathi udinga ukukhipha i-akhawunti yakho yokonga ukuze uhlale uphilile. Awuwedwa: Umuntu waseMelika oyedwa kwabayisithupha usebenzisa okungenani amaphesenti ayishumi omholo wakhe wonyaka emibhalweni, amaphrimiyamu, nokunakekelwa kwezokwelapha. "Abesifazane abaningi bacabanga ukuthi lezi zindleko azinakuphikiswa," kusho uMichelle Katz, umbhali we 101 Amathiphu Omshwalense Wezempilo. "Kodwa kulula ukulondoloza amakhulu amadola ezikweletini zakho unyaka ngamunye ngokukhuluma nodokotela wakho noma ukukhetha olunye uhlelo lomshwalense." Lapha, funda ukuthi kungani ukhokha kakhulu-nokuthi ungayibuyisela kanjani leyo mali ephaketheni lakho.

• Khetha uhlelo ngokucophelela Uma kufika isikhathi sokubhalisa kabusha kulo nyaka, ungakhethi ibhokisi eliseduze kwenqubomgomo yakho yamanje. "Hlaziya kabusha uhlelo lwakho minyaka yonke ukuze uqinisekise ukuthi luyahlangabezana nezidingo zakho zamanje," kusho uKimberly Lankford, umbhali we I-Insurance Maze. Umbuzo wokuqala okufanele uwubuze ukuthi ngabe unodokotela oyintandokazi noma isimo sezempilo esidinga ukunakekelwa ngongoti. Uma uphendule ngoyebo kunoma yikuphi, ukubheja kwakho okuhle kakhulu kungaba enye yezinhlelo zenhlangano ezikhetha ukunikezela ngemali (i-PPO) noma i-pointof- service (POS), ezikunikeza inkululeko yokuvakashela noma yimuphi udokotela, kusho uLankford. Ngokuvamile, udokotela oku-inethiwekhi uzokhokhisa u- $ 10 kuye ku- $ 25 ngokuvakasha ngakunye; ngaphandle kwenethiwekhi ye-M.D. yakho ngamaphesenti angama-30 ezinkokhelo zabo. Kepha uma ubona udokotela wakho amahlandla ambalwa kuphela ngonyaka, inhlangano yokulondolozwa kwezempilo (i-HMO) ingaba ngcono kangcono. Lokhu kunikela ngokukhethwa okulinganiselwe kodokotela ngamaphrimiyamu ashibhile futhi akhokha ngokubambisana.

  Uma uzisebenza noma umqashi wakho enganikeli ngomshuwalense wezokwelapha, hlola amawebhusayithi afana ne-ehealthinsurance.com, enikela ngentengo nokuqhathaniswa kwezwe nguhulumeni. "Cabanga ngemiyalo yakho, izidingo zokunakekelwa njalo, nezindleko zempilo yengqondo nezokubona," kusho uLankford. "Futhi cabanga ukuthi uhlela ukukhulelwa yini phakathi nonyaka, ngoba akuwona wonke amapulani ahlanganisa lezo zindleko." Uma usukhombe zonke izinsiza ozozidinga, cindezela izinombolo ngesibali esiku-inthanethi esifana ne-money-zine.com. "Ungasatshiswa yizinqubomgomo ezinokudonswa kwemali ephezulu, imali okufanele uyikhokhe ephaketheni ngaphambi kokutholakala komshwalense," kusho uLankford. "Lezo zinhlelo zinamaprimiyamu ashibhile nyangazonke, ngakho-ke zingabiza uma izidingo zakho zokwelashwa zincane."

  
  
• Buza izivivinyo zakho "Odokotela abazi ukuthi yiziphi izikrini kanye nezivivinyo ezihlanganiswa umshwalense wakho," kusho uKatz. Ukugwema ukumangala okungabizi, letha uhlu lwamalebhu agunyaziwe ekuqokweni kwakho kokuqala nodokotela omusha. Futhi hlola umhlinzeki wakho womshuwalense ngaphambi kokuthi uhlele noma yikuphi ukwelashwa noma izivivinyo, njenge-X-ray, ama-MRIs, nama-ultrasound ultrasound; ungadinga ukuthola imvume ebhaliwe noma ekhulunywa ngomlomo ngaphambi kwesikhathi. Bhala phansi wonke umuntu okhuluma naye kanye nesikhathi nosuku okhulume ngalo," kusho uLankford. "Umkhondo wephepha ubalulekile uma kunemibuzo noma izingxabano kamuva."

• Bonisana nodokotela wakho Uma ukhokha izikweletu zakho ephaketheni, ungabi namahloni noma ube namahloni ukucela udokotela wakho isaphulelo. "Chaza isimo sakho," kusho uKatz. "Yithi, 'Awukho kwinethiwekhi yami, kodwa angingethemba omunye umuntu ukuthi angaphatha lokhu. Ngabe ikhona indlela ongangihlelela ngayo imali yakho?' " Leli qhinga lamsebenzela uKatz: Njengomfundi oneziqu ezinganamshwalense, wacela udokotela ohlinzayo wendawo owaziwayo ukuthi alaphe iqolo lakhe elimele. “Esikhathini sami sokuqala, ngaxoxa naye ngezinkinga zami zezimali,” usho kanje. Akagcinanga ngokumdlulisela esibhedlela esimba eqolo kakhulu ngokuhlinzwa kwakhe, wavuma nokuthi ahlinzwe uhhafu wemali yakhe ejwayelekile. Ngaphezu kwalokho, wamvumela ukuthi akhokhe izindleko ngesheduli yanyanga zonke, amongele isamba esingu- $ 14,000. "Isihluthulelo ukusungula ubudlelwano bomuntu siqu nodokotela wakho kanye nabasebenzi," kusho uKatz, oncoma ukuthi ufike ngesikhathi ezikhundleni zakho futhi uhlale uzwakalisa ukubonga kwakho.
• Yazi okufanele ukwenze esimweni esiphuthumayo Uma kwenzeka isimo esibucayi, izimali zesibhedlela nezodokotela cishe yinto yokugcina oyicabangayo. Kungakho kubalulekile ukuthi ubuyekeze inqubomgomo yakho ngaphambi kwesikhathi. "Bheka ukuze ubone ukuthi ngabe udinga ukuvunyelwa ngaphambi kokuya egumbini labezimo eziphuthumayo futhi uqaphele ukuthi yiziphi izibhedlela endaweni yakho ezithathwa njengezingenamsebenzi nokuthi yini ephuthumayo," kusho uLankford (ungaluthola lolu lwazi encwajaneni yakho yemishwalense noma kwi-Web site yenkampani ). Uzozivikela kumthethosivivinywa ongalindelekile: Izinkampani zomshuwalense wezempilo ziphika amaphesenti angama-20 azo zonke izicelo zokukhokha eziphuthumayo ezidinga ukugunyazwa kwangaphambili, ngokusho kocwaningo lwamuva olushicilelwe ku- Annals of Emergency Medicine.

  "Uma kuphuthuma, unganqikazi ukubiza i-ambulensi," kusho uLankford. Kepha ngezimo ezingasongeli impilo, njengethambo eliphukile noma umkhuhlane ongaphansi kuka-103 ° F (ngaphandle kokuthi unezinhlungu esiswini, ezingakhombisa i-appendicitis), cela umngani noma ilungu lomndeni ukuthi likugibelise esibhedlela.

  
  

• Buyekeza isikweletu sakho sasesibhedlela Iningi labesifazane lihlolisisa izitatimende zekhadi lesikweletu njalo ngenyanga, kepha bambalwa kakhulu abheka ama-invoice abo esibhedlela. Kepha kufanele: Ochwepheshe balinganisela ukuthi amaphesenti angama-90 wezikweletu zesibhedlela aqukethe amaphutha. Ngaphambi kokuthi uphume, cela ibhili ebhaliwe. "Ukwelashwa ngakunye okutholayo kunikezwa ikhodi yezinombolo," kuchaza uKatz. "Ngakho-ke umuntu othayipha ngephutha ikhodi engalungile kungasho umehluko wamakhulu noma izinkulungwane zamadola." Ngaphambi kokuhamba, skena inkokhelo yakho ukuze uthole noma yiziphi izinkokhiso ezingajwayelekile. Ngemuva kwalokho, ekuqokweni kwakho okulandelayo, cela udokotela wakho noma omunye osebenza naye ukuthi abheke noma yini ongayazi.
• Khokha ngama-pretax dollars Abangaphansi kwamaphesenti ayi-15 abantu baseMelika basebenzisa i-akhawunti yokulondolozwa kwezempilo (i-HSA) noma uhlelo lokusebenzisa imali oluguquguqukayo (FSA), womabili anikezwa abaqashi. Lokho kusho ukuthi iningi lethu lilahlekelwa yimali yamahhala: Lawa ma-akhawunti akuvumela ukuthi ukhokhele izindleko zezokwelapha ngemali oyibeke eceleni eshekeni lakho ngaphambi kokuba kukhishwe izintela. Umphumela: ukonga okungafika kumaphesenti angama-30 ezindlekweni zakho zokunakekelwa kwezempilo. Ungasebenzisa ama-akhawunti ukukhokhela izindleko ezingakhaviwe umshwalense wezempilo, njengezinkokhelo zikadokotela kanye nencwadi kadokotela kanye nokuhlala esibhedlela. Izinhlelo eziningi zikuvumela ukuthi uthenge isixazululo selensi yokuxhumana, izibuko, i-Band-Aids, ne-aspirin. Abaqashi abaningi banikeza uhlobo olulodwa kuphela lwe-akhawunti, kungaba i-HSA noma i-FSA. Umehluko omkhulu phakathi kwalokhu okubili ukuthi ungakwazi ukukhipha iminikelo yakho ye-HSA unyaka nonyaka futhi usuka emsebenzini uye emsebenzini. Kepha nge-FSA, ulahlekelwa yimali esele ku-akhawunti yakho uma ungayisebenzisi ngoMashi 15 wonyaka olandelayo noma uma ushintsha izinkampani.

  Ukuze uthole isilinganiso esinembile sezindleko zakho zokwelashwa, buyekeza imali yakho ehlobene nempilo ezinyangeni eziyi-12 ezedlule, bese ufaka kunoma yiziphi izindleko ezingeziwe (imiyalo emisha, ngokwesibonelo) olindele ukuyithola ngokuzayo. "Kodwa khumbula ukuthi kufanele ufake amafomu okufaka isicelo ukuze ubuyiselwe, ngakho-ke uma uphatheke kabi ngokubhala amaphepha noma ubambelele kumarisidi, lezi zinhlobo zama-akhawunti zingase zingabi ezakho," kusho uKatz.

  
  

• Yiba isitolo sezidakamizwa "Ungonga kufika kumaphesenti angu-30 ezindlekweni zakho zemithi ngokuthatha imithi ejwayelekile," kusho uSteve Miller, M.D., isikhulu sezokwelapha se-Express Scripts, inkampani ephethe izinzuzo zekhemisi ezinze e-St. Buza udokotela wakho uma kukhona uhlobo oluqinisekisiwe lwemithi ayinikezayo. "Zinekhwalithi kanye namarekhodi okuphepha afanayo njengemithi yegama lomkhiqizo," usho kanje. Uma ingekho emakethe okwamanje, buza i-MD yakho uma kukhona enye indlela engabizi kakhulu kodwa esebenza ngokulingana nomuthi awunikelayo. Noma udokotela wakho ekunikeza amasampula wamahhala omuthi, cela umuthi ojwayelekile: Lapho nje amaphakethe wokuncoma esephelile, kungenzeka ukuthi uzodinga imali ngaphezulu, kusho uMiller. Eqinisweni, ucwaningo olwenziwa eNyuvesi yaseChicago lwathola ukuthi iziguli ezithole okungenani isampula elilodwa lamahhala lomuthi wegama lomkhiqizo zachitha amaphesenti angu-40 engeziwe emithini phakathi nezinyanga eziyisithupha kunalezo ezingazange ziyithole, mhlawumbe ngenxa yokuthi zaziqhubeka nokuthenga. amaphilisi pricier.

• Yiba isihlukanisi sephilisi "Eminye imithi ibiza imali efanayo ngemithamo ephezulu nephansi," kusho u-Hae Mi Choe, uFarm.D., Uprofesa osizayo emtholampilo e-University of Michigan, e-Ann Arbor, School of Pharmacy. Uma usebenzisa imishanguzo, efana neye-cholesterol ephezulu, buza udokotela wakho ukuthi angakubhalela yini incwadi yephilisi ledosi ephezulu ongalisika phakathi ekhaya, kusho u-Choe. Muva nje wenze ucwaningo olutholile iziguli zingonga amaphesenti angama-50 ezindlekweni zazo zezidakamizwa ngokumane bahlukanise amaphilisi abo. Kepha lokhu akusebenzi kuzo zonke izidakamizwa. "Amanye, njengama-capsules, amaphilisi agqinsiwe, namafomula akhipha isikhathi, akufanele asikwe," kusho u-Choe. "Ngakho-ke thintana nodokotela wakho noma usokhemisi kuqala." Ukuqinisekisa ukuthi uhlala uphuza isilinganiso esinembile, sebenzisa ithuluzi lokuhlukanisa amaphilisi, elitholakala ezitolo zemithi.

• Thola ikhemisi lesaphulelo Amaketanga amakhulu afana ne-Target ne-Wal-Mart athengisa imishanguzo ejwayelekile, njengama-antibiotic namaphilisi anciphisa i-cholesterol, ngama- $ 4 amancane ngokuthengwa kwezinsuku ezingama-30. I-Costco iphinde igcwalise nemiyalelo ngesaphulelo (akudingeki ube yilungu ukuze usebenzise ikhemisi labo). Ungase futhi ucele i-M.D. yakho ukuthi ikubhalele incwadi kadokotela yezinyanga ezintathu, bese uyi-oda ngekhemisi eku-inthanethi elihlobene nohlelo lwakho lomshwalense noma elizimele, elifana ne-walgreens.com , drugtore.com, noma cvs.com. Kepha qiniseka ngokuqhathanisa-isitolo: Abaphenyi abavela eCreighton University School of Pharmacy batholile ama-Rx's ashibhile uma ethengwa ngeposi, kepha imishanguzo ejwayelekile ingabiza kakhulu.
• Thatha ithuba lezinzuzo ezifihliwe ohlelweni lwakho "Inqubomgomo yakho yomshuwalense wezempilo ingahlanganisa zonke izinhlobo zezinsizakalo ezingajwayelekile mahhala noma ngesaphulelo," kusho uLankford (udokotela okwi-network ngokuvamile udinga ukukunikeza imvume kusengaphambili). Bheka ukuthi ingabe okwakho kunikeza izephulelo noma kuyakhokhela yini izinhlelo zokuyeka ukubhema, ukwehlisa isisindo noma ukwelulekwa ngokudla, noma ubulungu bejimu. Izinkampani ezimbalwa zomshuwalense, ezibandakanya u-Aetna noKaiser Permanente, nazo seziqala ukukhokhela ezinye izindlela zokwelapha, njengokuthoma, ukubhucungwa ukwelashwa nokunakekelwa kwe-chiropractic.

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