Njira 5 zopezera chithandizo ndi ngongole zamankhwala pomwe mulibe inshuwaransi

Kampani

Kulipira ngongole zamankhwala ndizowopsa mokwanira, osakhala nokha ngati mulibe inshuwaransi yazaumoyo. Mu 2019, Anthu aku America okwana 137.1 miliyoni ndinkalimbana ndi mavuto azachuma azachipatala. Ngakhale kupanga bajeti zandalama zithandizire, pali njira zina zochepetsera ngongole zachipatala ndikupeza chithandizo ndi ngongole zamankhwala.

ZOKHUDZA: Ziwerengero za ngongole zachipatala 2020

Kulipira ngongole zachipatala popanda inshuwaransi

Mukadzipeza muli pachipatala chomwe chikuwopseza moyo, muyenera kupita kuchipinda chadzidzidzi chomwe chili kuchipatala chapafupi, mosasamala kanthu za inshuwaransi yanu. Komabe, ngati matenda anu akufunika kuthandizidwa koma ayi nenani , mutha kupeza chisamaliro chotsika mtengo kuchipatala. Ndalama zolipirira ndalama ndi zotuluka mthumba nthawi zambiri zimakhala zotsika mtengo m'malo operekera chisamaliro mwachangu kuposa zomwe mumayenera kulipira kuchipinda chadzidzidzi. Pulogalamu ya National Association of Free and Charitable Clinic ali ndi opeza kuchipatala pa intaneti omwe mungagwiritse ntchito kufunafuna chithandizo chamankhwala chotsika mtengo pafupi nanu.

Mwalamulo, simungathe kukanidwa kuchipatala chifukwa mulibe inshuwaransi kapena simungathe kulipira. Chifukwa chake, mumalipira bwanji ndalama zothandizira popanda inshuwaransi? Nawa maupangiri asanu osungira ndalama zolipira ngongole zachipatala popanda inshuwaransi.

1. Unikani ngongole zanu ngati mwalakwitsa

Zolakwitsa zimachitika, ngakhale m'malipiro azachipatala. Typo imodzi imatha kusiyanitsa ngati ntchito yaphimbidwa kapena kukanidwa ndi kampani ya inshuwaransi. Njira yogawira ndi kusindikiza , makamaka pamene ntchito zambiri zachitidwa, zimatha kukhala zovuta kwa akatswiri azaumoyo.

Unikani ngongole zanu zachipatala ndi mtengo wa zosowa zaumoyo mzere ndi mzere ndikuyang'ana zolakwika. Mutha kulipidwa pantchito zomwe simunalandirepo. Kufufuza mozama kungapezenso zolembedwera kapena milandu ina yolakwika.

Mpaka 80% yamalipiro azachipatala ali ndi zolakwika, malinga ndi gulu loyimira zolipiritsa azachipatala Sankhani . Funsani thandizo ku gulu lazachipembedzo ngati mukufuna thandizo kuti muwunikenso zolemba zanu zamankhwala. Muthanso kufunsa kuti muwunikenso zomwe mumalipira kuchipatala. Wogwira ntchito zothandiza anthu kapena woimira wodwala amathanso kupezeka kuti akuthandizireni kuchipatala.

2. Pemphani kuchotsera

Kukambirana ndalama zochepa ndi njira ina yothandizira kuchepetsa zolipira kuchipatala. Mwachitsanzo, mutasanthula invoice yanu, mungaone chindapusa chazithandizo zantchito zomwe sizinali zofunikira. Mutha kupempha kuti ndalama zina zichotsedwe kapena kuchotsedwa pamalipiro. Ngakhale izi sizotsimikizika kuti muchepetse bilu yanu, ndikofunikira kuyesetsa kufunsa. Mungadabwe.

Komanso, mutha kukambirana ndalama zochepa ngati simungakwanitse kulipira zonse koma mutha kulipira ndalama zochuluka. M'malo mongokhazikitsa dongosolo lolipira, mutha kulipira ngongole yonse pamtengo wotsika ndi ndalama zambiri. Funsani woyang'anira ofesi yolipiritsa ngati ili ndi yankho lomwe angaganizire. An perekani kuti mukhazikike ndi fomu yolipira zitha kukhala zothandiza, makamaka ngati ngongole yanu yaperekedwa kwa omwe amakongoletsani, ndipo mukuganiza zongotaya bankirapuse.

Mukafuna chithandizo chamankhwala kuofesi ya dokotala, makamaka popanda inshuwaransi, mutha kufunsa omwe amakuthandizani ngati akupatsani kuchotsera kwa odwala omwe amalipira zonse kapena ndi ndalama. Kufunsa za kuchotsera kumachepetsa nkhawa zomwe zimakhudzana ndi ngongole yapa zachipatala.

3. Tsatirani ndi omwe amakupatsani inshuwaransi

Ngakhale mutakhala ndi inshuwaransi, mutha kupeza kuti makampani ambiri ama inshuwaransi amangolipira gawo limodzi lazachipatala zomwe zimakhudzana ndi chithandizo chamankhwala. Chifukwa chake, ngati muli ndi mtundu wina wa inshuwaransi, komabe muli ndi ngongole zamankhwala zopitilira zomwe mungathe kulipira, fufuzani ndi kampani yanu ya inshuwaransi kuti muwone ngati pali zolipira zomwe zingachotsedwe.

Njira zodandaulira zitha kufunidwa kuti muchepetse ndalama zanu. Funsani kufotokozera zaubwino kuchokera kwa omwe amakupatsirani inshuwaransi kuti mudziwe zambiri pazinthu zomwe zilipo pachipatala chanu zomwe zitha kulipidwa.

4. Pezani dongosolo lamalipiro

Nthawi zina, mumayenera kupeza chithandizo chamankhwala chomwe mumafunikira ndikuganizira momwe mungalipirire izi zitachitika. Si zachilendo kwa odwala kulipira ndalama zamankhwala kudzera mu njira yolipirira. Ngakhale anthu omwe ali ndi inshuwaransi amakhala ndi ngongole zambiri zamankhwala, ma copay, ndi ndalama zina zotuluka m'thumba.

Lumikizanani ndi dipatimenti yolipiritsa ya chipatalacho kuti mudziwe zambiri zamapulogalamu olipira. Osonkhanitsa ngongole ambiri kapena anthu m'madipatimenti olipiritsa ali ndi chidwi chogwira ntchito ndi anthu omwe akufuna kulipira ngongole zawo. Onetsetsani kuti muwerenge zolemba zabwino ngakhale; mapulani ena amalipiritsa chiwongola dzanja.

5. Funsani ndalama zochotsera pa misonkho yanu

Ndalama zoyendetsera zamankhwala zitha kulipidwa misonkho . Internal Revenue Service (IRS), ikuwona chithandizo chamankhwala chambiri, kuphatikiza mano, chisamaliro cha diso, opareshoni, ngakhale chisamaliro chodzitchinjiriza ngati chotsitsa misonkho. Mankhwala, magalasi, mano ovekera, zothandizira kumva, ndi zida zina zamankhwala zitha kuchotsedwanso msonkho.

IRS imawonekeranso ndalama zoyendera pagalimoto yanu, chindapusa, mitengo yamabasi, ndi zina zotero kukhala ndalama zochotsera kuchipatala. Zowonjezera zonsezi zitha kuwonjezera. Ngati muli wodzilemba ntchito , mumatha kufunsa ndalama zanu zonse za inshuwaransi yazaumoyo, nazonso, zomwe zitha kukhala zolimbikitsa kulembetsa dongosolo la inshuwaransi yazaumoyo.

Pofika chaka cha 2020, ndalama zopitilira 10% (kale 7.5%) za anthu kapena ndalama zapakhomo zosinthidwa (AGI) zimachotsedwa. Funsani wowerengera ndalama ngati muli ndi ngongole zambiri zachipatala komanso ndalama zambiri.

Ndani angathandize ndi ngongole zamankhwala

Mapulogalamu othandizira odwala ndi zopereka

Mapulogalamu othandizira ndalama angongole zanyengo atha kupezeka kudzera mchipatala kapena mabungwe ena am'deralo. Funsani kuti muwone ngati pali zopereka zilizonse kapena ndalama zothandizira omwe mukuyenerera. Ntchito Zazaumoyo Zachisamariya , UnitedHealthcare Ana's Foundation , ndi Thanzi Labwino ndi mabungwe atatu mwa mabungwe ambiri osachita phindu omwe amapereka ndalama kwa anthu komanso mabanja omwe ali ndi ndalama zothandizira.

Kuyenerera nthawi zambiri kumakhala kopeza ndalama, chifukwa chake mungafunike kupereka zambiri zachuma, kuphatikiza ndalama zolipirira kapena zambiri zamsonkho, monga gawo lanu.

Ndalama zothandizila zimachepetsa ndipo nthawi zina zimawononga ndalama zonse kuchipatala. Chifukwa chake, ngati inu kapena munthu wina yemwe mumamudziwa akuvutika kulipira ndalama zamankhwala, yang'anani zopereka kudzera m'matchalitchi am'deralo ndi mabungwe osapindulitsa, komanso magulu amayiko pa intaneti. Thumba labwino la samaritan limapezekanso kuchipatala komwe mudalandira chithandizo.

Mankhwala

Ngati muli ndi ndalama zochepa, ndinu okalamba, kapena muli ndi ndalama zolipirira zomwe simungathe kulipira, mutha kulandira Mankhwala . Medicaid ndi pulogalamu yothandizidwa ndi boma. Medicaid ikhoza kulipira gawo limodzi kapena mankhwala onse omwe mungafune. Ngakhale mutakhala oyenerera kulandira ndalama zobwezeredwa musanavomerezedwe, dziwani kuti chithandizo chamtsogolo ndi mankhwala adzakonzedwa kuti muchepetse ndalama zomwe mumalandira.

Osakwatira

Mankhwala azachipatala nthawi zambiri amakhala amtengo wapatali kwa omwe alibe inshuwaransi. Kugwiritsa ntchito mankhwala osokoneza bongo kudzawonjezeka pafupifupi 6.3% pachaka kuyambira 2016 mpaka 2025, malinga ndi Center for Medicare ndi Medicaid Services (CMS). Njira imodzi yopulumutsira pamankhwala omwe mwalandira ndi kudzera mu ntchito yosunga ndalama ngati SingleCare. Osakwatira itha kukupulumutsirani mpaka 80% pa mankhwala anu, ndipo ndi yaulere kwathunthu.

Palinso njira zina zosungira ndalama zikafika pamankhwala. Othandizira azaumoyo nthawi zambiri amakhala ndi zitsanzo za mankhwala akuchipatala. Kufunsira kwa omwe amakupatsani mwayi waulere kumatha kukupulumutsirani ndalama. Muthanso kufunsa za njira ina kapena mawonekedwe achibadwa mankhwala anu. Wodwala wanu kapena wamankhwala atha kukuthandizani kupeza yankho lotsika mtengo la mankhwala okwera mtengo.

Pomaliza, mitengo yamalonda siyofanana. Gulani mozungulira.Sitolo yapafupi imatha kunyamula mankhwala anu pamtengo wotsika kwambiri. Sakani mankhwala anu ndikulowetsani zip code yanu singlecare.com kupeza mankhwala pafupi ndi inu ndi mtengo wabwino kwambiri wa mankhwala anu.

Kodi chimachitika ndi chiyani ngati simungathe kulipira ngongole zamankhwala?

Tsoka ilo, ngakhale akuyesetsa, anthu ambiri sangakwanitse kulipira ngongole zawo zamankhwala. Ndalama zachipatala ndicho chifukwa chachikulu chomwe anthu aku US amapitira bankirapuse . Potsirizira pake, ngongole zachinyengo kapena zosalipidwa zimatumizidwa ku bungwe losonkhanitsa.

Kodi ngongole zamankhwala zimakhudza mbiri yanu?

Ngati ngongole zachipatala sizilipidwa, kulipidwa kochepa, kapena osalipidwa munthawi yake, atha kuzipereka ku kampani yosonkhanitsa. Bungwe losonkhanitsa lidzakudziwitsani zakusamutsa ngongoleyo ndikupatseni masiku 180 kuchokera tsiku lodziwitsidwa musanadziwitse ofesi yobwereketsa ngongoleyo. Ofesi ya ngongole ikangovomereza ngongole zomwe sanalandire m'dongosolo lawo, ziwongola dzanja zanu ziwonetsa ngongole yanu yonse yazachipatala.

Ndalama zamankhwala zidzatsala pa lipoti la ngongole kwa zaka zisanu ndi ziwiri. Ngakhale ngongole yazachipatala itha kuchotsedwa pa mbiri ya ngongole, muli okakamizika kulipira ngongoleyo. Izi pokhapokha ngati mutayika bankirapuse.

Kodi mungalembetse bankirapuse kuti mulipire ngongole zamankhwala?

Kulemba za bankirapuse kumatha kumva ngati kusalidwa, koma simukhala nokha. Pafupifupi 62% za bankirapuse ku America ndizokhudzana ndi zamankhwala, malinga ndi The American Journal of Medicine. Bankirapuse yokhudzana ndi ngongole zachipatala imasungidwa pansi pa Chaputala 7 kapena Chaputala 13. Bankirapuse Code imawona ngongole yazachipatala yofanana ndi ngongole ya kirediti kadi. Mwanjira ina, ngongole zamankhwala ndi ngongole ndi ngongole zosatetezedwa zomwe simukuyenera kubweza mukadzinenera kuti ndinu bankirapuse.

Nthawi zambiri, kulembera bankirapuse sikutanthauza kuti mukhale ndi loya, koma amalimbikitsidwa. Mukamalembera bankirapuse, muyenera kupereka ndalama zonse zakunyumba kapena banja, kuphatikiza ndalama za mnzanu. Zina zokhudzana ndi katundu wanu, magalimoto, malo ndi nyumba, ziyenera kufotokozedwa. Muyeneranso kuwulula malonda aliwonse aposachedwa kapena kusamutsidwa kwa katundu, ndalama, ndi ngongole monga gawo la njirayi.

Bankirapuse amakhudza ngongole yanu mosasamala kanthu za chifukwa chake. Ngongole yanu idzatsika, ndipo bankirapuse adzawoneka pa mbiri yanu yangongole kwa zaka zisanu ndi ziwiri mpaka 10. Pachifukwa ichi, mungafune kuwona ngati bankirapuse ngati njira yomaliza.

Kulipira kuchipatala kumatha kukhala mtolo wovuta womwe ungakupangitseni kukhala okhumudwa komanso opanda chiyembekezo. Komabe, siziyenera kukhala choncho. Ngati mukuvutika kulipira ngongole zanu zachipatala, funani thandizo posachedwa. Muli ndi zosankha zambiri kuti muthandizidwe ndi ngongole zamankhwala.