Momwe mungamuwonere dokotala mukakhala mulibe inshuwaransi yazaumoyo

Kampani

Ngati mukudwala, mumapanga nthawi yokumana ndi dokotala, sichoncho? Chabwino, ngati muli ku United States ndipo ndinu m'modzi mwa anthu ambiri omwe alibe inshuwaransi kapena operewera, kupeza chithandizo chamankhwala sikophweka kwenikweni. Njira zothandizira zaumoyo zitha kukhala zodula kwambiri kwa iwo omwe alibe inshuwaransi-kapena kwa iwo omwe inshuwaransi yawo sikulipira zokwanira. Chifukwa chake, mumamuwona bwanji dokotala wopanda inshuwaransi yazaumoyo? Mwamwayi, pali zosankha zingapo zomwe zingapezeke. Komabe, zimasiyanasiyana ndi komwe mumakhala, chithandizo cha mtundu wanji chomwe chikufunika, ndi zina zotengera momwe zinthu ziliri.

Momwe mungayendere dokotala wopanda inshuwaransi

Choyambirira komanso chofunikira, anthu sayenera kupewa kupita kuchipatala chifukwa chokwera mtengo. Zitha kuwononga thanzi lanu komanso chikwama chanu chamtengo wapatali ngati mungachedwetse kupeza chithandizo chomwe mukufuna. Ngakhale mulibe inshuwaransi yazaumoyo, mutha kupita kukaonana ndi dokotala ndikulandila chithandizo chamankhwala-njira zodzitetezera, chisamaliro chovuta, chisamaliro chofulumira, kapena chithandizo chadzidzidzi. Gawo lovuta ndikupeza ntchito zomwe ndi zotsika mtengo. Malo abwino kwambiri oyambira ndi zipatala zam'madera, zipatala zoyendamo, ndi othandizira mwachindunji.

Makliniki azachipatala

Zipatala zachitetezo chakumidzi mwina zimapezeka mdera lanu. Izi zitha kukhala zaulere kapena pamtengo wotsika kwa inu. Zipatala izi zimapereka chisamaliro chofunikira kwambiri kwa anthu, monga kupimitsa njira zopewera ndi katemera, popanda mtengo wokwera kwambiri wa omwe amapereka chithandizo choyambirira kapena inshuwaransi. Zambiri mwazimenezi zimalola anthu kulipira pamiyeso yotsika potengera zomwe amapeza, kapena amapereka ntchito zaulere. Yesani kusaka m'dera lanu kudzera pa chikwatu chiworks.com .

Makliniki oyenda

Zipatala zoyenda zimapezekanso pazinthu zina zanthawi zonse, ndipo amatha kulipira ndalama ngati mulibe inshuwaransi. Mutha kuwona dokotala kuchipatala chazoyenda pazinthu zazing'ono ndikulipilitsidwa kukacheza. Komabe, sizinthu zonse zotsika mtengo monga ena, onetsetsani kuti mufunse ngati ndalama zili patsogolo. Makliniki ena oyenda amapereka chisamaliro pamtengo wotsika kapena wotsika, pomwe ena atha kukuthandizani kufunsira inshuwaransi yaulere kapena yotsika mtengo, monga Medicaid.

Otsogolera mwachindunji

Ngakhale mulibe inshuwaransi yazaumoyo, ndizotheka kuwona wothandizira zaumoyo; komabe, zimatha kubwezeredwa. Pali zipatala zomwe zimasamalira anthu osatetezedwa, omwe amadziwika kuti zipatala zokhazokha, zipatala zamagalimoto, kapena othandizira. Mungafune kugula mozungulira kuti mupeze dokotala yemwe mumamukonda omwe akukwanira mu bajeti yanu.

Chipinda chodzidzimutsa kuchipatala

Ngati muli ndi vuto lachipatala mwachangu, muyenera kupita kuchipatala chadzidzidzi kapena itanani 911. Opereka chithandizo chamankhwala mwadzidzidzi ngati zipatala sangakane chisamaliro chadzidzidzi chifukwa mulibe inshuwaransi yazaumoyo. Adziwitseni ogwira ntchito kuti mulibe inshuwaransi, chifukwa mutha kukonza njira zolipirira pakapita nthawi ndi dipatimenti yawo yolipiritsa, kapena kupeza chithandizo chofunsira Medicaid yadzidzidzi kapena inshuwaransi ina. Komabe, chisamaliro chadzidzidzi ndiye mtundu wamtengo wapatali wosamalira. Ingogwiritsani ntchito ngati ndizowopsa kuti mupewe kubweza ngongole zodula. Nthawi zosakhala zadzidzidzi, chisamaliro chofulumira nthawi zambiri chimakhala chotchipa.

Malo osamalira mwachangu

Malo osamalirako mwachangu amapezeka pazadzidzidzi zamwadzidzidzi ndi zosowa zina zachipatala zomwe zimafunikira nthawi, ndipo nthawi zambiri amatha kulipira mwachindunji kuchokera kwa wodwalayo. Izi zitha kukhala zotsika mtengo popita kuchipatala, bola ngati chipatalacho chitha kukuthandizani. Malo awa ali ngati kuyenda mu chipatala pazovuta zazikulu, monga mafupa osweka, zopindika, ndi zilonda zomwe zimafunikira ulusi.

Zimawononga ndalama zingati kuwona dokotala wopanda inshuwaransi?

Tsoka ilo, ngati mulibe inshuwaransi, kupeza chithandizo chamankhwala kumatha kukhalaokwera mtengo kwambiri. Basi Bwanji okwera mtengo ndi ovuta kudziwa, chifukwa zimasiyanasiyana ndi vuto lachipatala lomwe muli nalo, mtundu wa omwe akukuthandizani, komanso komwe mumakhala. Pomwe ngongole.org limatchula za ulendo wa dokotala ndalama zapakati pa $ 70 ndi $ 250, koma nambalayi imakwera ngati mukufuna zina zowonjezera kapena mankhwala. Itha kukhala zakuthambo ngati mungafunike kupita kuchipinda chadzidzidzi. Mtengo wa ngozi ndi matenda osiyanasiyana ukhoza kuwonjezeka mwachangu mukamapanga zinthu zolipiritsa monga kuyesa magazi, X-ray, ndi ma ambulansi. Anthu ambiri amatha kudabwitsidwa ndi ngongole zazikulu atadwala.

Mtengo wapakati pakuyezetsa matenda amathanso kusiyanasiyana pang'ono kutengera dera lanu ndi komwe mudapitako. Malinga ndi Zaumoyo Bluebook , database yomwe imalemba mitengo, kuyezetsa magazi labu kumatha kukhala pakati pa $ 15 ndi $ 100, X-ray pachifuwa imatha kukhala pakati pa $ 40 ndi $ 250, ndipo fetal ultrasound ikhoza kukubwezerani pakati pa $ 89 ndi $ 480. Monga mukuwonera, zingakhale zovuta kwenikweni kuyerekezera momwe ndalama zamankhwala zingawonongere ngati mungafunike.

Zomwe mudzalipire zimadaliranso komwe mukulandira. Zipatala zina zimatha kukupatsirani kuchotsera, kapena kukulolani kuti mulipire pamtengo wotsikira potengera zomwe mumapeza. Zipatala zam'madera zitha kukhala zotsika mtengo kuposa kupita kwa wothandizira mwachindunji, ndipo zipatala zosamalira mwachangu zitha kukhala zotsika mtengo kuposa ulendo wopita ku ER. Pomaliza, zomwe mumalipira zimasiyanasiyana kwambiri ndimatenda anu komanso komwe mumapita kukalandira chithandizo. Musanapite ku chipatala, mutha kugula mozungulira kuti mufananize mitengo kapena kupeza ngati mungapeze mankhwala omwe mukufuna kwinakwake otsika mtengo.

Ndikofunika kutchula kuti pali anthu ambiri omwe alibe inshuwaransi omwe sayenera kutero. Mutha kuchezera chipatala.gov kapena lemberani ku dipatimenti yazantchito yapafupi kuti mudziwe ngati mukuyenera kulandira inshuwaransi yaulere kapena yotsika mtengo.

Momwe mungasungire ndalama mukalibe inshuwaransi yazaumoyo

Mukalandira chithandizo chamankhwala popanda inshuwaransi, pali zomwe mungachite kuti muchepetse mtengo:

1. Nenani kuti mulibe inshuwaransi . Mwanjira imeneyi mutha kudziwa ngati pali kuchotsera kulikonse komwe mungakhale woyenera.
2. Gulani pafupi ndi chisamaliro chomwe chikugwirizana ndi bajeti yanu . Mitengo imasiyanasiyana malinga ndi malo. Fufuzani chipatala chaulere, kapena chotsitsa.
3. Funsani dongosolo lolipira . Ena othandizira zaumoyo amakupatsani mwayi wolipira nthawi yochulukirapo kuti muchepetse ndalama zoyambira kutsogolo.
4. Onaninso ngongole zanu .Zolakwitsa ndizofala. Onetsetsani kuti mukulipiritsa ndalama zokwanira. Muthanso kukambirana ngongole mukazilandila, ingoyimbirani foni ndikufunsani.
5. Gwiritsani ntchito makadi osungira mankhwala , monga Osakwatira kuchepetsa mtengo wa mankhwala omwe mukufuna.
6. Funsani zitsanzo zamankhwala kapena mtundu wa generic . Izi zitha kuchepetsa kwambiri mtengo wakunja kwa thumba la mankhwala.
7. Onani ngati mukuyenera kulandira Medicaid . Zimatengera ndalama, kukula kwa banja, komanso komwe mumakhala, mwazinthu zina.

ZOKHUDZA: Kodi ndingasunge bwanji mankhwala anga?

Chilichonse chimakhala chovuta mukamadwala. Tengani izi tsopano, musanafune chisamaliro chaumoyo, kuti muwonetsetse kuti mudzakhala m'malo abwinoko mtsogolo mtsogolo. Kufunafuna kuchotsera, makuponi, mapulani, ndi kufananiza mitengo kumatha kukhala kothandiza kwambiri pachikwama chanu poyesa kuyendetsa njira yazaumoyo.