Njira 10 zopulumutsira pazachipatala

Kampani Wogwiritsa ntchito savvy amatha kupeza ndalama zambiri ngati angadziwe komwe angayang'anire

Ndalama zaumoyo ndizofunika kwambiri ku United States — mpaka $ 11,172 pachaka kwa Wachimereka wamba , malinga ndi Centers for Medicare and Medicaid Services. Poganizira kuti ndalama zapakatikati zapakhomo zimaposa $ 63,000 (ndipo ambiri amalandira ndalama zochepa), ndiye gawo lalikulu la bajeti yamabanja. Pafupifupi 10% ya ndalama zake zimagwiritsidwa ntchito pamankhwala ogulitsira.

Kutaya ntchito komwe kumayambitsidwa ndi mliri wa COVID-19, komanso kutayika kofananira kwa inshuwaransi yothandizidwa ndi olemba anzawo ntchito kwapangitsa kuti anthu aku America ambiri azindikire mipata yomwe amapeza paziwopsezo chaumoyo wawo - komanso momwe kusokonekera kungakhalire kovuta kuyenda.

Kwa anthu omwe ali ndi matenda osatha komanso zosowa zamankhwala zazitali, kupeza njira zolipirira ndalama zachipatala popanda kuphwanya banki ndichinthu chatsiku ndi tsiku. Mwamwayi sizinthu zoipa zonse. M'machitidwe ambiri azachipatala, ogula savvy amatha kupeza ndalama zambiri ngati mukudziwa komwe mungayang'ane.

Njira 10 zopulumutsira pazachipatala

Malinga ndi akatswiri azachipatala, izi ndi njira 10 zapamwamba kwambiri zomwe munthu wamba amasungira ndalama pazithandizo zakuchipatala.

1. Ganizirani bwino za inshuwaransi yanu yapano

Kodi mukupeza zotheka kwambiri mu inshuwaransi yanu? Dongosolo lanu limapereka mtengo wazambiri zomwe mumawononga zokhudzana ndiumoyo. Onetsetsani kuti mukuwerenga mapulani anu ndikudziwa zomwe zikupezeka mu pulani yanu yapano (ndi zomwe sizili).

Izi zikutanthauza kutenga nthawi kuti mumvetsetse zomwe ndalama zanu za copay ndi / kapena co-inshuwaransi yanu zilili, momwe mumachotsera ndalama zanu, komanso omwe amapereka, malo, kapena zipatala zomwe zili mu intaneti. Ndipo musaiwale kuti muzolowere kugwiritsa ntchito mankhwala okhudzana ndi mapulani anu. Mutha kugwira ntchito ndi omwe amakuthandizani kuti musinthe zomwe mwalandira kuti mugwere pamtengo wotsika pazomwe mungafotokozere.

Ngati dongosolo lanu lamakono silikugwirizana ndi zosowa zanu pakadali pano, lingalirani zosintha momwe mungafotokozere. Kaya mapulani anu ndi achinsinsi, olemba anzawo ntchito, kapena othandizidwa ndi boma, mutha kukhala ndi njira zina zomwe zingakwaniritse zosowa zanu.

2. Gwiritsani ntchito mapulogalamu kuti musungire zomwe mwalandira

Lowani khadi yosungira mankhwala.

Makhadi osungira ma Pharmacy ndi ntchito zaulere zomwe zimapereka kuchotsera kwakukulu pamitengo ya mankhwala pakauntala ya mankhwala. Mapulogalamu monga Osakwatira amakulolani kuti mufufuze mankhwala anu kuti mupeze mitengo yotsika kwambiri m'masitolo pafupi nanu. Zomwe mukuyenera kuchita ndikuwonetsa wamankhwala khadi yanu kuti musungire ndalama zomwe mwalandira. Muthanso kutsitsa pulogalamuyi Pano . Kuphatikiza apo, ma pharmacies ena amakonda Walgreens ndipo Malo otentha khalani ndi mapulogalamu osungira mankhwala makasitomala onse atha kupezerapo mwayi.

Funsani mankhwala achibadwa pakafunika kutero.

Musaganize kuti madotolo kapena asayansi azikupatsani mankhwala otsika mtengo omwe alipo. Madokotala nthawi zambiri amapatsa anthu mankhwala omwe amawadziwa bwino. Mankhwala achibadwa, komabe, ndi othandiza monga dzina la mankhwala ndi mtengo 80% -85% wochepa pa avareji . Nthawi zonse funsani wamankhwala anu ngati pali njira yofananira, yotsika mtengo kwambiri yamankhwala anu.

Pitani ku zolemba zamakalata.

Ngati mumamwa mankhwala omwewo nthawi zonse, mutha kusunga ndalama podzaza Rx yanu ndi mankhwala osungira makalata. Ma pharmacies oyitanitsa makalata amakulolani kuti mudzaze zolemba zanu zambiri, ndikukupatsirani masiku 90 m'malo mwa masiku 30, nthawi zambiri pamtengo wotsika. Ngakhale zili bwino - ma pharmacies ambiri omwe amayitanitsa makalata adzagwira ntchito ndi Khadi lochotsera limodzi la SingleCare ndalama zochulukirapo.

ZOKHUDZA: Kodi ndingasunge bwanji mankhwala anga?

3. Nthawi zonse muziyendayenda

Chinthu chabwino kwambiri chomwe mungachite pamtengo uliwonse waukulu wazachipatala ndikuwunika zomwe mungasankhe. Anthu ambiri sazindikira kuti njira zomwezi zitha kulipira makumi masauzande ambiri pachipatala kapena malo ena kuposa china kapena pochitidwa ndi dokotala wina motsutsana ndi china. Kwa njira kapena maopaleshoni omwe akonzedwa, odwala amatha kuyimbira zipatala pasadakhale kuti akapemphe kuyerekezera za invoice. Mapulani ambiri a inshuwaransi amakulolani kuti mufufuze omwe ali mu netiweki musanapange nthawi yokumana. Zipatala zina ndi inshuwaransi ngakhale perekani zida zamitengo yapaintaneti pazowerengera zenizeni zenizeni .

Ngati mukufuna kusunga wothandizira wanu wapano, ndikofunikira kufunsa ngati angathe kupereka chithandizo pamtengo wotsika m'malo ena. Madokotala ena amachita m'malo osiyanasiyana, onse omwe amatha kulipira mosiyanasiyana pazithandizo zambiri. Kutengera dongosolo laumoyo wanu, adotolo amatha kupereka ntchito zina, monga katemera, njira, kapena kuyesa pamtengo wotsika kumalo ena. Nthawi zonse kumakhala bwino kufunsa dokotala ngati chithandizo chanu chingawonjeze ndalama zochepa pamalo ena azithandizo.

4. Pewani ndalama zosafunikira

Dziwonetseni nokha mavuto omwe mungakumane nawo chifukwa chotsatira dongosolo la mankhwala kapena kudzaza mankhwala. Kudziwa zomwe simungakwanitse pachuma kukuthandizani kuti muchepetse mafunso oyenera kufunsa inshuwaransi yanu ndi omwe amakuthandizani zaumoyo za momwe mungapezere zosankha zotsika mtengo. Pomaliza, dzifunseni ngati mukufunikiradi mayeso, mankhwala, kapena njira zomwe zakulimbikitsani. Pezani ngati pali njira ina, yotsika mtengo yomwe ingakuthandizireni.

5. Musaope kukambirana mitengo

Siziwoneka ngati izi, koma ngongole zambiri kuchipatala ndizotheka . Zipatala zambiri zimapereka kuchotsera, kuchotsera ndalama, kapena mapulani othandizira. Onetsetsani kuti muimbire foni dipatimenti yolipiritsa ndikufunsani ngati pali kuchotsera komwe kulipo kapena ngati angathe kubweza ndalama zilizonse zolipira. Dipatimenti yolipira ikhozanso kupereka chidziwitso pakukhazikitsa dongosolo lolipira lomwe silitenga chiwongola dzanja.

6. Gwiritsani ntchito mwayi wa zinthu zaulere

Zipatala zam'madera zitha kukuwonetsani zaulere kwaulere kapena pang'onopang'ono - ndipo ndalama zambiri zazikulu zimakhala ndi mapulogalamu okuthandizani kuti mulandire chithandizo popanda mtengo.

Ntchito zodzitetezera : Ngati muli ndi inshuwaransi, ambiri amafufuza kukayezetsa chaka chilichonse, ngati mayeso apachaka kapena azimayi abwino - palibe copay yofunikira. Fufuzani ndi pulani yanu kuti muwone ngati mungagwiritse ntchito mwayiwu.

ZOKHUDZA: Momwe mungaletsere kulera kwaulere

Insulini: Bungwe la American Diabetes Association akuyerekeza kuti aku America 34.2 miliyoni akukhala ndi matenda ashuga. Pamene mtengo wa insulini ukupitilira kukwera, nzosadabwitsa kuti anthu ambiri omwe ali ndi matenda ashuga akuvutika kulipira chithandizo. M'zaka zaposachedwa, komabe, opanga ma pharmacy apanga mapulogalamu omwe amapereka insulin yaulere kapena yotsitsa. Ambiri opanga mankhwala amapereka mapulogalamu othandizira insulini . Kuphatikiza pa mapulogalamuwa, makhadi ochepetsera mankhwala, monga SingleCare, amathanso kuthandizira omwe ali ndi matenda ashuga kupeza mankhwala omwe amapereka mitengo yotsika mtengo kwambiri yamankhwala a insulin.

ZOKHUDZA: Momwe mungapezere zinthu zaulele za shuga

Katemera: Mosiyana ndi nzeru zodziwika bwino, katemera wotsika mtengo kwambiri sapezeka nthawi zonse kuzipatala zam'midzi. Ambiri malo azaumoyo akumadipatimenti azachipatala aboma perekani katemera waulere kapena wochotseredwa kwa achikulire osatetezedwa kapena opanda inshuwaransi, koma palinso njira zina zopezera ndalama pa katemera . Opanga katemera amakonda Mtundu ndipo Pfizer perekani mapulogalamu othandizira ana ndi akulu ndalama. Kuti mupindule kwambiri, ndikofunikira kuti muziyenda mozungulira kuti mudziwe njira yabwino kwambiri kwa inu.

ZOKHUDZA: Kodi ndingapeze bwanji kuchotsera kapena kuwombera chimfine?

7. Lowani HSA kapena FSA

Ngati muli ndi inshuwaransi yazaumoyo, pulani yokhala ndi HSA (akaunti yosungira zaumoyo) kapena FSA (akaunti yosinthira ndalama) itha kukuthandizani kuti musunge ndalama pazandalama zomwe mumalipira. Maakaunti onsewa amakulolani kuti mupereke gawo la ndalama zomwe mumalipira musanapereke msonkho, zomwe zingagwiritsidwe ntchito kulipirira ndalama zoyenerera kuchipatala, kuphatikiza ma copays, ndalama zandalama, mankhwala, ndi zina zambiri. Dziwani zambiri zakusiyana kwa dongosolo lililonse Pano .

Kumbukirani kuti mu 2018 mabanja ambiri aku America adawononga $ 28,166 pazithandizo zantchito, 83% yomwe idapita kumakampani a inshuwaransi, akuti Wolemba Deane Waldman , MD, MBA, pulofesa wotsogola wa Pediatrics, Pathology, ndi Decision Science ku University of New Mexico. Ingoganizirani ngati aziyika mu HSA chaka chilichonse!

8. Pezani chisamaliro choyenera

Mukakhala kuti simukumva bwino, zikusangalatsa kuti mupite kumalo osamalira anthu oyamba omwe ali ndi nthawi yomwe mwakumana nayo. Komabe sikuti zosankha zonse za omwe amapereka zimafanana chimodzimodzi. Dzifunseni-kodi mukufunika kupita kuchipinda chadzidzidzi kapena mungayembekezere nthawi yokumana ndi omwe amakupatsani ma intaneti? Zosankhazi zili ndi ma copay osiyana kwambiri, ndipo zimatha kukupulumutsirani madola mazana, kutengera vuto lomwe muyenera kuthana nalo.

Ngati inshuwaransi yanu ikulipira, wonani ngati mungathe kukaonana ndi dokotala pafoni kapena kudzera pa telehealth m'malo mokomera kucheza ndi anthu. Kwa iwo omwe ali oyenerera, kusankhidwa kwa telehealth kumatha kupulumutsa ndalama pakapita nthawi. Malinga ndi kafukufuku wina, Mtengo wapakati pakusankhidwa kwa dokotala ndi $ 40- $ 50, pomwe kusankhidwa komweko kumayandikira $ 176 paulendo uliwonse. Njirayi yakhala yosangalatsa kwambiri chifukwa cha mliri wapano, chifukwa umafunikira chiopsezo chochepa chothandizira odwala ndi omwe amapereka. Dipatimenti ya Zaumoyo ndi Zantchito ku U.S. HHS ) yatenga njira zokulitsira mwayi wopezeka pazithandizo zamagetsi.

Onetsetsani kuti mwayang'ana inshuwaransi yanu ndikulankhula ndi omwe amakupatsani mwayi kuti mudziwe zomwe zikukuyenderani bwino.

9. Unikani ngongole zanu (ndi zolakwitsa zopempha)

Malinga ndi Wogula Zaumoyo Wabwino , pali zinthu zina zofunika kuchita nthawi iliyonse mukalandira ndalama zambiri zachipatala. Choyamba, onetsetsani kuti mwalandira chiphaso. Chogulitsa chilichonse chiyenera kulembedwa padera ndi mtengo wokhudzana ndi chinthu chilichonse chomwe chawonongeka. Cross cross izi ndi njira zake ndi malongosoledwe anu a inshuwaransi yazaumoyo (EOB) kuti muwonetsetse kuti palibe zosagwirizana. Ngati mungapeze cholakwika, onetsetsani kuti mwayimbira kampani yanu ya inshuwaransi ndikupempha. Ngati muli ndi mafunso okhudza chifukwa chomwe mudakulipiritsirani njira inayake, mankhwala, kapena kuyesa, nthawi zonse ndibwino kuyimbira dokotala yemwe adakulipirani ndikufunsani. Sungani ma risiti anu onse ndi zitsimikizo zakulipira kuti apilo yanu ikhale yosavuta momwe mungathere.

10. Yesetsani kusamala

Chimodzi mwazinthu zabwino kwambiri zomwe mungachite kuti muchepetse ndalama zomwe mudzakhale nazo kwakanthawi ndikukhazikitsa njira yatsiku ndi tsiku yathanzi lomwe limakupindulirani. Ndikuganiza za zakudya zabwino, kuchita masewera olimbitsa thupi, komanso kuchepetsa nkhawa ngati miyendo itatu ya miyendo itatu yomwe imathandizira kukhazikika kwa munthu, akutero Julie Cunningham , katswiri wodziwika bwino wazakudya ndi matenda ashuga komanso wamaphunziro ku North Carolina. Ngati mukusowa chimodzi kapena chimzake, katatu chanu chidzagwedezeka. Mukapeza zonse zitatu, thanzi lanu limakhala ndi maziko olimba. Kukhala ndi madzi okwanira, kuyenda tsiku lililonse, kusiya kusuta fodya, kumwa mowa pang'ono, kapena kusintha zakudya zopatsa thanzi kumatha kukhala ndi thanzi labwino mtsogolo komanso kupewa ndalama mtsogolo.

ZOKHUDZA: Momwe mungatulutsire kwaulere Chantix (ngakhale popanda inshuwaransi yazaumoyo)

Njirazi ndi njira zabwino zopezera ndalama zowonjezera pazithandizo zanu zatsiku ndi tsiku. Ngakhale mutakhala ndi inshuwaransi yotani, palibe chifukwa cholipira zochulukirapo pazithandizo zanu!