Ntchito zaumoyo za 5 zomwe mungachite mutakumana ndi ndalama zanu

Maphunziro a Zaumoyo

Ngati muli ndi inshuwaransi yazaumoyo, mwina muli ndi inshuwaransi yochotseredwa, inunso. Izi zikutanthauza kuti mpaka mutapeza ndalama zokwanira zandalama zogwiritsira ntchito zaumoyo mchaka chimodzi, ndiye kuti muli pachiwopsezo cha zonse Zomwe mumawononga kuchipatala kuposa zomwe mumalipira pamwezi (kupatula zina ntchito zodzitetezera kuti ma inshuwaransi amafunidwa ndi lamulo kubisa). Kutengera dongosolo lanu, ndalamazo zimasiyanasiyana: Itha kukhala yotsika mpaka $ 50, kapena kuchuluka kwakukulu. Malinga ndi International Foundation ya Ogwira Ntchito Mapulani , mabanja omwe amalandila ndalama kwa anthu omwe adalembetsa nawo mapulani ali pafupi $ 2,000. Ndipo ndizo zokha pafupifupi -23% atenga madola 5,000 kapena kuposa. Ndi 7% okha omwe sanadulidwe konse.

Kumbali yowala, mukakumana ndi deductible mutha kusamalira zovuta zonse zomwe zikudetsa nkhawa osadandaula kuti mudzalipira bwanji akapita kuchipatala, mankhwala ena, kapena X-ray ina.

Ndinakumana ndi ndalama zodula, tsopano chiyani?

M'malo mwake, ino ndi nthawi yoyika patsogolo chithandizo chamankhwala chomwe mwakhala mukuchisiya. Kupanda kutero, mudzayambiranso ndi kuchotsera kwanu kubwera Januware. Sindikudziwa kuti ndiyambira pati? Takhazikitsa mndandanda wazinthu zisanu zomwe mungagwiritse ntchito inshuwaransi yazaumoyo wanu mutachotsa deductible yanu.

1. Onani wothandizira.

Kuvulala kwamasewera, matenda a carpal tunnel, tendonitis. Izi ndi zochepa chabe mwazinthu zambiri zomwe chithandizo chamankhwala (PT) chingathandize. Koma mtengo ukhoza kuwonjezera, akutero Katy Votava, Ph.D. , Purezidenti komanso woyambitsa wa Goodcare.com, kampani yolangiza yomwe imathandiza ogula kuyendetsa zochitika zachuma pachitetezo chaumoyo wawo. Chifukwa cha kukwera mtengo kwa PT, akuti anthu ambiri amachepetsa maulendo awo kapena amawapewa palimodzi. Poganiza kuti pulogalamu yanu ya inshuwaransi imakhudzana ndi chithandizo chamankhwala, maimidwe anu ayenera kukhala otsika mtengo mukachotsa dedu- mwina $ 0; mwina kulipira nawo limodzi, koma mwanjira iliyonse zambiri zosavuta pamzere wanu wapansi.

awiri. Pezani malangizo anu.

Mabotolo anu amankhwala sayenera kukhala opanda kanthu kwathunthu kuti muyenerere kukonzanso. Ngati mukutsika kapena mukuyenera kuyitanitsa zambiri, sungani tsopano. Ndikulangiza kuti anthu aziyang'anitsitsa mankhwala omwe adalandira ndikuwadzaza… chifukwa mwakumana kale ndi ndalama zanu, ndipo zingakhale zamanyazi kukhala mu Disembala kapena Novembala ndikupatsanso mwayi wokonzanso china, Votava akutero.

ZOKHUDZA: Yambani kupulumutsa pamankhwala anu ndi SingleCare

3. Sinthanitsani kapena kusintha zida zanu zamankhwala.

Makina a CPAP sakhala kwamuyaya. Komanso sizitsika mtengo-malinga ndi American Sleep Association, mtengo wapakati wa CPAP ndi $ 850. Mukukhala mukukonzera bajeti yanu mwayi waukulu popezanso yatsopano tsopano m'malo mongobwezeretsanso kumapeto kwa 2020, atero a Votava. Zomwezi zimachitikanso pazida zina zamankhwala, monga ma bondo olumikizira, oyang'anira shuga, mapampu olowetsa, ndi zina zambiri.

Zinayi. Limbani ndi zovuta za khungu.

Chabwino, choyambirira, ngati muli ndi malo pakhungu lanu kapena mukufuna kuchotsedwa kwa mole / biopsy, musayembekezere kukawona dokotala wanu - ichi ndi chinthu chomwe muyenera kuyankha nthawi yomweyo mosatengera momwe mumachotsera. Komabe, ngati muli ndi khungu lopweteka koma losasangalatsa, monga seborrheic keratosis, nkhwangwa, kapena chikopa, post-deductible ndi nthawi yabwino yochotsa kuofesi ya dermatologist.

5. Pangani msonkhano ndi katswiri.

Mwinamwake dokotala wanu woyang'anira wamkulu adakutumizirani kwa katswiri wa matenda a mtima, gastroenterologist, kapena dotolo wa mafupa kuti akuthandizeni kuthana ndi zovuta zina (ngakhale zosafulumira), koma mwakhala mukuzisiya chifukwa choopa ndalama zakuthumba . M'malo mopitiliza kuzengereza, onani kuti katswiriyu tsopano kuti mutha kuyambitsa mayeso aliwonse azachipatala kapena chithandizo chamankhwala chisanathe chaka (kulingalira ndi ma lab aphatikizidwenso izi). Kuwunika kulikonse komwe mukuganiza kuti muchite komwe kukuwoneka kuti ndikofunikira kuchipatala, pitilizani kukonzekera, Votava akutero. Chenjezo limodzi? Kungakhale kovuta kupeza nthawi yokumana ndi wopezera watsopano Usanafike Chaka Chatsopano, chifukwa chake musachedwe, akuwonjezera.