Mfundo Zachiwiri ndi Opaleshoni
Odwala ambiri ali ndi bodza kapena manyazi kuti apemphere kachiwiri pamene akuganiza opaleshoni. Amadandaula kuti akhoza kukhumudwitsa dokotala wawo opaleshoni, kuti alandire ndalama yachiwiri yamtengo wapatali komanso yosafunikira kuti awonetsere, ndipo amadandaula kuti lingaliro lachiwiri ndikutaya nthawi.
Ndipotu, dokotala wina opaleshoni amene amakhumudwa kapena wodekha kuti wodwalayo akufunafuna lingaliro lachiwiri sakhala wodziwa ntchito, monga momwe kachiwiri amalingalira kuti ndi gawo labwino.
Simukuyenera kuti mukambirane maganizo anu achiwiri ndi wina aliyense kupatula dokotala amene akupereka.
Zoonadi, palibe chifukwa chokhalira osasangalala ndi kufunafuna lingaliro lachiwiri - kupeza zambiri monga momwe zingathere musanachite opaleshoni ndiyo njira yabwino yopanga chisankho cholondola. Ngati dokotala wanu akukhumudwa ndi chisankho chanu chopeza lingaliro lachiwiri, musati mutenge. Sizingatheke kuti dotolo wanu sangapeze lingaliro lachiwiri ngati ndi thanzi lawo lomwe liri pangozi!
Kodi mungagule galimoto kapena nyumba musanalankhule ndi anzanu angapo kapena achibale anu za chisankhocho? Ambiri aife tikhoza kukambirana za chisankho chachikulu ndi anthu omwe timawadalira. Chisankho chochita opaleshoni ndipo amene adzachite opaleshoni imeneyo, m'njira zambiri, ndi ofunika kwambiri kuposa kugula kwakukulu. Tikukamba za thanzi lanu, umoyo wanu komanso, ponena za luso la opaleshoni ndi lingaliro la opaleshoni - zomwe zimasiyana.
Kodi lingaliro lachiwiri ndi lofunika bwanji? Chofunika kwambiri kuti Medicare Part B idzapereke malingaliro achiwiri pa opaleshoni zofunikira zachipatala, monga makampani ambiri a inshuwalansi. Ena amatha kulipira chifukwa chachitatu ngati ochita opaleshoni oyambirira ali ndi maganizo osiyana. Kumbukirani kuti makampani a inshuwalansi sangathe kulipira lingaliro lachiwiri lokhudza opaleshoni zomwe sizinayenera, monga zodzikongoletsera, koma mukudziwa kuti kampani ya inshuwalansi ikufunitsitsa kulipira chinthu chomwe chikufunikiridwa kuti sichifunikira.
Mmene Mungapezere Malingaliro Achiwiri
Ndi kwa inu ngati mukugawana ndi cholinga chanu chofuna kupeza lingaliro lachiwiri ndi dokotala wa opaleshoni amene mwakhala mukukambirana nawo. Ngati muli ndi manyazi kapena osakhumudwa kukambirana za chikhumbo chanu chokhala ndi lingaliro lachiwiri, simukuyenera kuchita zimenezo. Odwala ena amawoneka ngati akupereka dokotala wawo opaleshoni mwa kufunafuna lingaliro lina, koma lingaliro lachiwiri ndilofala.
Ngati mutasankha kugawana ndondomeko yanu kuti mupeze yankho lachiwiri, dokotala wanu angathe kuwuza dokotala amene amawadziwa. Dokotala wanu angamulimbikitse dokotala ku ofesi yake, kapena wina yemwe sakugwirizana naye. Kaya mungagwiritse ntchito malangizowo mwachindunji.
Ngati mutasankha kupeza maganizo anu achiwiri nokha, mungagwiritse ntchito malingaliro omwewo kuti mupeze dokotala wamkulu wa opaleshoni omwe mungakhale nawo pamalingaliro anu oyamba. Muyenera kutsimikiza kuti zolemba za mayesero, x-ray, kufufuza ndi kuchipatala zokhudzana ndi matenda anu zimatumizidwa kwa dokotala yemwe akupereka yankho lachiwiri. Mukhoza kapena simukufuna kukhala ndi dokotala wanu woyamba kugawana maganizo awo ndi dokotala wachiwiri.
Pamene Mungapeze Lingaliro Lachiwiri
Yankho lachiwiri ndiloyenera nthawi iliyonse yomwe mukuganiza za opaleshoni.
Zimalangizanso ngati mukumva zolinga zanu ndi zolinga za dokotala wanu opaleshoni siziri zofanana. Mwachitsanzo, ngati mukuyesera kupeŵa opaleshoni ndipo mukufuna njira zina zothandizira, ndipo dokotala wanu akutsutsa kuti opaleshoni ndiyo njira yokhayo, muyenera kupeza lingaliro lachiwiri.
Ngati mukuganiza kuti mafunso anu okhudza ndondomekoyi sakuyankhidwa, kapena simukuona kuti mukugwirizana ndi dokotala wanu, muyenera kuganizira dokotala wina wa opaleshoni. Komanso, ngati "chizoloŵezi chanu" chikukuchititsani kudandaula ndi chisankho chanu chochita opaleshoni, musanyalanyaze zomwe mukufuna - funsani lingaliro lachiwiri.
Pamene Lingaliro Lachiwiri Silingatheke
Pali nthawi zina pamene kuyembekezera kupeza kachiwiri kungakhale koopsa kapena ngakhale kuopseza moyo, kapena kuonjezera ngozi ya opaleshoni .
Pankhani ya kuvulala koopsa, monga kutuluka m'mimba kuchokera ku ngozi ya galimoto, mafupa osweka, kapena kuvulala kwa thupi, kuyembekezera kungakhale koopsa.
Ngati mukudwala matenda osayembekezereka koma ovuta, monga kuwonjezereka kwa magazi kapena kupha magazi, kuchedwa kwa opaleshoni kungawononge imfa. Kuvulala kwa ubongo, monga kuwonongeka kwa ubongo, kupsinjika mutu, kapena kuvulala kwakukulu, ndikumodzi mwa mavuto omwe masekondi amawerengera, kotero lingaliro lachiwiri silikanakhala loyenera.
Kawirikawiri, opaleshoni yotchedwa " njira zachangu " iyenera kuchitidwa popanda phindu lachiwiri. Izi sizikutanthawuza kuti simuyenera kukhala ndi malo amodzi, akuluakulu nthawi zambiri amakhala ndi madokotala ambiri opaleshoni omwe amachita zofanana, ndipo ngati lingaliro lachiwiri likupezeka kuti mulipo mungathe kusankha kukhala nalo limodzi.
Zotsatira:
Kutenga Lingaliro Labwino Lachiwiri. Chipatala cha Yale-New Haven.
Kutenga Lingaliro Lachiwiri Asanachitike Opaleshoni . Maofesi a Medicare ndi Medicaid Services.