Gwiritsani Ntchito Mapulogalamu Abwino ku Inshuwalansi Yanu ya Umoyo

Ngakhale akatswiri akukambirana ngati njira zothandizira kuchepetsa ndalama zothandizira zaumoyo padziko lonse, pali umboni wochuluka wakuti kupewa ndi kopindulitsa pankhani ya thanzi lanu-komanso chikwama chanu.

Pa zifukwa 10 zomwe zimayambitsa imfa, kuphatikizapo matenda a mtima ndi khansara , theka limakhudzana ndi kusankha, mogwirizana ndi Center for Bioethics and Human Dignity.

Kupewa kulemera kwanu, kusiya kusuta, kukhalabe oyenera ndi kuchepetsa nkhawa ndi zina mwa njira zabwino zopezera matenda ndi kutalikitsa moyo, ndipo amachepetsa ndalama zomwe mumagwiritsa ntchito kuchipatala, mankhwala osokoneza bongo komanso mankhwala ena.

Ngati muli ndi inshuwalansi ya umoyo , mwinamwake mukudziwa kuti nthawi zambiri, kufufuza zamankhwala zodziletsa-monga mankhwala a chaka ndi chaka ndi maulendo a OB / GYN-akuphimbidwa. Koma simungadziwe kuti mapulani ena amaperekanso zosankha zabwino zomwe zingathandize kulipira masewera olimbitsa thupi kapena kuwonetsa zolemera.

Ogwiritsira Ntchito Zowononga Kuteteza

Ogwiritsira ntchito masewera olimbitsa thupi, makliniki olemera, kuperewera kwa operewera, kupiritsa misala ndi mapulogalamu osuta fodya ndizochepa chabe mwazinthu zomwe zikuphatikizapo ndondomeko za inshuwaransi. Buluu la Blue Cross Blue Shield la Massachusetts limaperekanso kuchepa kwa mabotolo a magetsi kuti athandize kuteteza ming'oma.

Makampani ambiri a inshuwalansi ayamba kugwirizana ndi magulu a zachipatala kuti apereke mwayi wothandizana nawo kapena ntchito.

Mapinduwa amaphimba aliyense, kuchokera kumapamwamba kwambiri kwa omwe ali ndi matenda aakulu, malinga ndi JP Wieske, wa Bungwe la Affordable Inshuwalansi.

"Ziribe kanthu ngati muli ndi matenda a shuga kapena matenda oopsa kwambiri komanso zonse zomwe mungachite pazolowera masewerowa ndi kuyenda pang'onopang'ono," anatero Wieske. "Ndizophindu zomwezo kwa munthu ameneyo monga momwe amachitira ndi masewera olimbitsa thupi omwe ali kumeneko tsiku ndi tsiku."

Kulimbikitsa Anthu Odwala ndi Mabungwe

Zimalipindulitsa kugwiritsa ntchito phindu lililonse lomwe limabwera ndi inshuwalansi yanu. Zitsanzo zina za ndalama zotheka ndizo:

• Kuchita opaleshoni ya kulemera kwa thupi: Ngakhale kuti sichisamala anthu ambiri, ikhoza kukhala ndalama zambiri kwa olemera kwambiri. Ngati chiwerengero cha thupi lanu ndi 40 kapena kuposa, kapena muli ndi vuto la kupuma, matenda a shuga kapena kuthamanga kwa magazi kukuwonjezereka ndi kunenepa kwambiri, mukhoza kuyenerera kulumikizidwa kwa chifuwa kapena opaleshoni yamimba. Ngati ndalama zanu zimakhala ndalama zokwana madola 20,000, ndalama zanu ndi $ 500 ndipo malipiro anu ndi 30%, ndiye mudzalipira gawo limodzi mwa magawo atatu a mtengo.

• Ogwiritsira ntchito masewero olimbitsa thupi: Mapulani ena a United Health Care akuphatikizapo kuchotsera 10 mpaka 50% pa umembala wathandi wathanzi. Ngati masewera olimbitsa thupi atenga $ 30 pamwezi pokhapokha mutayang'anitsitsa akaunti yanu, kuchotsera kwa mphindi imodzi kukupulumutsani $ 15 mwezi uliwonse.

• Pulogalamu ya kulemera kwa thupi: Sizinthu zambiri zomwe zimaphatikizapo mapulogalamu olemera monga Jenny Craig kapena Watcheright Weight, koma yang'anani kuti asinthe mtsogolo, Wieske akuti. Phindu limodzi lomwe likupezeka tsopano kudzera mwa Aetna kwa Kraft Foods Inc. ogwira ntchito amapereka katatu pa zokambirana pazinthu zoterezi, zomwe zimabweretsa mtengo wa $ 199 mapulani kwa $ 139.

• Maselo a Orthopedic: Ola limodzi, kupsyinjika kwa misala ku Massachusetts Blue Cross Blue Shield malo ogwira nawo ntchito Boston Bodyworker nthawi zambiri ndi $ 115, koma 25% ya inshuwalansi amachititsa $ 86. Palibe zolembedwa za matenda alionse omwe akufunikira kuti apeze chithandizo.

Olemba inshuwalansi okha ndi omwe amaphimba mapulogalamu omwe amatha kusuta ndi mankhwala omwe amapezeka kwambiri. Koma ngati mumalankhula ndi dokotala wanu za kusiya nthawi yomwe mukupita, nthawi imeneyo mudzayang'ana. Ndondomeko zosawerengeka zomwe zimakuthandizani pa mtengo wa mapulogalamu omwe akuphatikizapo uphungu ungakupulumutseni madola mazana, pa $ 650 kapena kuti osuta fodya omwe amatha kusuta chizoloŵezichi amatha kusunga nthawi ya chaka.

Kuti mudziwe za ubwino umene mungakhale nawo, funsani kampani yanu ya inshuwalansi kapena abwana anu.

_Zotsatira:

_{Opaleshoni ya Bariatric yolemera kwambiri. Mar. 2008. Ma Institutes of Health.}

_{Thanzi ndi Ukhondo. 2008. Blue Cross Blue Shield ya Massachusetts.}

_{Zotsatira za Zaumoyo. 2008. United Health Care.}

_{Mtengo wa Bandu. 2008. Lap-Band lapband.us.}

_{Khadi Loyenera. 2008. Kraft Benefits.}

_{Kusuta Fodya Kulimbitsa Kawiri ndi Kupatsa Malangizo Kwambiri Ndiponso Kwaulere Mankhwala Otsitsirako Mankhwala a Nicotine, Maphunziro a Anthu 20,000 Osuta Fodya. 29 Nov. 2007. Kaiser Permanente.}

_{Tengani Njira Zoyamba Zochizira Opaleshoni. 2008. University University.}

_{Kulephera kwa Thandizo la Thanzi Labwino: Kodi Thandizo la Wopereka Thanzi Labwino ?. 2004. Malo Olemekezeka a Anthu.}

_{Kodi Orthopedic Massage ndi chiyani ?. 2007. Boston Bodyworker.}