Ukukhula nge-MS: Izeluleko eziyi-7 Zokuhamba Emhlabeni Womshuwalense Wezempilo

-Delile

• 1. Thola ukuthi uyafaneleka yini ukuthola umshuwalense wezempilo wamahhala
• 2. Bona ukuthi ungaluthola yini usizo lukahulumeni
• 3. Thola ukuthi udinga ukumbozwa okungakanani
• 4. Hlola ukuthi ngabe udokotela wakho usehlelweni yini
• 5. Bona ukuthi imisebenzi yakho iyahlanganiswa yini
• 6. Buyekeza ukwakheka kwepulani
• 7. Hlanganisa izindleko zakho eziphelele
• Ukudla okudlela endlini

Kungaba nzima ukuhamba ngesifo esisha njengomuntu osemusha osemusha, ikakhulukazi uma kuziwa ekutholeni umshuwalense omuhle wezempilo. Ngezindleko eziphezulu zokunakekelwa, ukuthola ukumbozwa okulungile kubalulekile.

Uma ungakahlanganiswa ngaphansi kohlelo lwabazali bakho noma lwabaqashi, kuzofanele ukuthi ubheke ukumbozwa kwi-Health Insurance Marketplace, noma kumthengisi womshwalense. Ngaphansi koMthetho Wokunakekelwa Ongabizi (ACA), izinhlelo zemakethe azikwazi ukukuphika noma ukukhokhisa imali ethe xaxa uma unesifo esinjenge-MS.

Ezinye izinhlelo zingaba nama-premium akhokhelwayo noma kudonswe imali. Uma ungaqapheli, ungagcina ukhokha imali ethe xaxa ngokuqokwa kwakho nodokotela nemithi kunalokho obekulindelekile.

Nawa amathiphu ayisikhombisa wokuthi ungazulazula kanjani emhlabeni onenkinga yomshuwalense wezempilo kwesinye isikhathi.

1. Thola ukuthi uyafaneleka yini ukuthola umshuwalense wezempilo wamahhala

Umshuwalense ungabiza, ikakhulukazi emholweni wezinga lokungena. Kuyafaneleka ukubheka ukuthi uyayifanelekela yini iMedicaid. Lolu hlelo lwe-federal kanye nohulumeni lunikeza ukumbozwa komshuwalense wezempilo ngemali encane noma engekho kuwe.

Ngaphansi kwe-ACA, izifundazwe ezingama-35, kufaka phakathi iWashington, D.C., zikhulise ukufaneleka kwazo ukufaka ububanzi bemali engenayo. Ukuthi ufaneleke yini kuya ngesimo ohlala kuso.

Ukuze uthole ukuthi uyafaneleka yini, vakashela iMedicaid.gov.

2. Bona ukuthi ungaluthola yini usizo lukahulumeni

Uma ungayifanelekeli iMedicaid, ungahle wenze ukusikwa kohlelo olusiza ngezindleko zomshuwalense wezempilo. Uhulumeni uhlinzeka ngosizo loxhaso, izikweletu zentela, kanye nokwehliswa kokwabelana ngezindleko lapho uthenga uhlelo emakethe yezwe lakho. Lolu sizo lwezezimali lungehlisa kakhulu amaprimiyamu akho nezindleko ezingaphandle kwephakethe.

Ukuze ufanelekele ukuthola amaprimiyamu ancishisiwe, kufanele uzuze phakathi kuka- $ 12,490 no- $ 49,960 (ngo-2020). Futhi ukuthola usizo ngedeductible yakho, ama-copay, kanye ne-coinsurance, udinga ukwenza phakathi kuka- $ 12,490 no- $ 31,225.

3. Thola ukuthi udinga ukumbozwa okungakanani

I-ACA inamazinga okumbozwa: ithusi, isiliva, igolide neplatinamu. Ukuphakama kwezinga, uhlelo luzomboza ngokwengeziwe - futhi kuzokubiza kakhulu inyanga ngayinye.(Khumbula, ungonga imali kuma-premium kuwo wonke amazinga uma ufanelekela ukuthola usizo lukahulumeni.)

Izinhlelo zebronze zinamaprimiyamu aphansi kakhulu ngenyanga. Futhi banokudonswa okuphezulu kakhulu - ukuthi kuzodingeka ukhokhe malini ukunakekelwa kwezokwelapha nezidakamizwa ngaphambi kokuthi uhlelo lwakho luqale. Izinhlelo zePlatinum zinamaprimiyamu aphakeme kakhulu ngenyanga, kepha zimboza cishe yonke into.

Izinhlelo eziyisisekelo zethusi zenzelwe abantu abaphilile abadinga umshwalense wezempilo kuphela uma kunesimo esiphuthumayo. Uma ukuluhlobo lwemithi ye-MS, ungadinga uhlelo oluphakeme kakhulu. Cabanga ukuthi ukhokha malini ngemithi nangezindlela zokwelashwa lapho ukhetha izinga.

4. Hlola ukuthi ngabe udokotela wakho usehlelweni yini

Uma kukhona udokotela okade umbona iminyaka, qiniseka ukuthi bambozwe uhlelo lomshuwalense wezempilo. Zonke izinhlelo zifaka odokotela nezibhedlela ezithile. Abanye odokotela babhekwa njengabangaphandle kwenethiwekhi, futhi bazokubiza kakhulu ukuvakasha ngakunye.

Bheka bonke odokotela nochwepheshe obabona njengamanje besebenzisa ithuluzi lokusesha eliku-inthanethi lohlelo. Futhi, funa isibhedlela osithandayo. Uma odokotela bakho nesibhedlela bengekho kwinethiwekhi, ungahle uthande ukuqhubeka ufuna olunye uhlelo.

5. Bona ukuthi imisebenzi yakho iyahlanganiswa yini

Ngokomthetho, uhlelo ngalunye oluseMakethe Yomshwalense Wezempilo kumele luhlanganise izinsiza eziyi-10 ezibalulekile. Lokhu kufaka izinto ezifana nemithi kadokotela, ukuhlolwa kwelebhu, ukuvakashelwa kwamagumbi okuphuthumayo, nokunakekelwa kweziguli ezingalaliswanga.

Yimaphi amanye amasevisi ahlanganiswayo ahlukahluka kuye ngohlelo lokuhlela. Ngenkathi ukuvakashelwa minyaka yonke nodokotela wakho wokunakekelwa okuyisisekelo kufanele kube kulo lonke uhlelo, izinto ezinjengokwelashwa emsebenzini noma ukuvuselelwa kungenzeka kungafakwa.

Uzokhokha malini ngezinsizakalo kungahluka ngokuya ngenkampani oyikhethayo. Futhi izinhlelo ezithile zinganciphisa inani lokuvakashelwa olutholayo nochwepheshe abanjengochwepheshe bomzimba noma izazi zokusebenza kwengqondo.

Bheka iwebhusayithi yecebo noma ubuze ummeli womshuwalense ukuze abone Ukufingqwa Kwezinzuzo Nokutholakala Kwayo (SBC). I-SBC ibala zonke izinsizakalo uhlelo oluhlanganayo, nokuthi ikhokhela malini ngayinye.

6. Buyekeza ukwakheka kwepulani

Uhlelo ngalunye lomshuwalense wezempilo lune-formulary yezidakamizwa - uhla lwemithi eluhlanganisayo. Izidakamizwa zihlukaniswe ngamazinga abizwa ngama-tiers.

Isigaba 1 ngokuvamile sifaka imishanguzo ejwayelekile. Isigaba 4 sinezidakamizwa ezikhethekile, kufaka phakathi ama-antibody we-monoclonal abiza kakhulu nama-interferon asetshenziselwa ukwelapha i-MS. Ukuphakama kwesigaba somuthi owudingayo, kungadingeka ukuthi uchithe okuningi ephaketheni.

Hlola umuthi ngamunye owuthathayo ukwelapha i-MS yakho nezinye izimo. Ingabe basezincwadini zohlelo? Bakusiphi isigaba?

Futhi, thola ukuthi kungakanani okufanele ukhokhe uma udokotela wakho ekunika umuthi omusha ongekho kwifomula yecebo.

7. Hlanganisa izindleko zakho eziphelele

Uma kukhulunywa ngezindleko zakho zesikhathi esizayo zokunakekelwa kwezempilo, amaprimiyamu ayingxenye nje yendida. Khipha isibali sakho njengoba uqhathanisa amapulani, ukuze ungamangali ngezikweletu ezinkulu ngokuhamba kwesikhathi.

Hlanganisa:

• i-premium yakho - inani ozolikhokhela ukuthola umshuwalense wezempilo inyanga ngayinye
• imali yakho ekhishwayo - kuzodingeka ukhokhe malini ngezinsizakalo noma ngemithi ngaphambi kokuthi uhlelo lwakho luqale ukungena
• ukukhokha kwakho imali - inani okuzodingeka ulikhokhele ukuvakasha ngakunye kukadokotela nokuchwepheshe, ama-MRIs nokunye ukuhlolwa, nemithi

Qhathanisa izinhlelo ukubona ukuthi iyiphi ezokunikeza inzuzo enkulu kakhulu ngemali yakho. Lapho uphinda ubhalisa ohlelweni lwemakethe unyaka nonyaka, phinda wenze le nqubo futhi ukuze uqiniseke ukuthi usathola isivumelwano esihle kakhulu.

Ukudla okudlela endlini

Ukukhetha inkampani yomshuwalense wezempilo kuyisinqumo esikhulu, ikakhulukazi uma unesimo esifaka phakathi izivivinyo ezibizayo nokwelashwa, njenge-MS. Thatha isikhathi sokubheka ngokucophelela izinketho zakho. Uma udidekile, shayela inkampani ngayinye yomshuwalense bese ucela omunye wabaphenduli babo ukuthi akhulume ngezinzuzo zohlelo nawe.

Uma ungagcini ukuthanda uhlelo lomshuwalense wezempilo ogcina ulukhethile, ungethuki. Awunamathele kukho unomphela. Ungaguqula uhlelo lwakho ngesikhathi sokubhalisa esivulekile unyaka nonyaka, okuvame ukwenzeka ngasekupheleni kwekwindla.