Itanani 911 kwa ambulansi ndipo mukhoza kukhala ndi vuto lina la mtima mukalandira ndalamazo. Ambulances siwowombola. Amawononga zambiri kuti apitirize msewu ndipo amalipira zambiri kuti akuchoke ku point A kuti awononge B. Kodi mudzalipire ndalama zingati? Limeneli ndi funso loti palibe amene angayankhe kwa inu, makamaka osati odwala opaleshoni .
Anthu ndi aumwini
Mosiyana ndi malamulo a boma komanso madokotala ambiri , ma ambulansi amakhala pafupi ndi anthu omwe ali payekha chifukwa ayenera kukhala mabungwe a boma (monga ofesi yamoto kapena dipatimenti ya zaumoyo).
Mosasamala kanthu kuti bungwe la ambulansi lomwe limayankha kuitanitsa kwanu 911 likuyendetsedwa ndi boma kapena mabanki osunga ndalama, mwinamwake simungathe kudziwa kusiyana kwake.
Ma Paramedics ali ofanana kaya amagwira ntchito kwa boma kapena ayi. Samasamala za ngongole. Iwo amasamalira za kuchiza odwala ndi kupeza anthu kuchipatala choyenera.
Ndipo ngati ma ambulansi ali opindulitsa, osapindulitsa, kapena a boma, onsewo adzakutumizirani bili. M'matauni ambiri, ma ambulansi ndi ng'ombe zothandizira ndalama zina zomwe zimagwiritsidwa ntchito mwachangu.
Malipiro motsutsana ndi Makampani
Ndalama imeneyo idzakhala yabwino kwambiri. Ku US, ma ambulansi amayendetsa njira zambiri kuposa momwe amasonkhanitsira. Ndi momwemo m'dziko lonselo. Chifukwa chake ndi mlingo wa kusonkhanitsa. Kampani ya ambulansi ikhoza kutumiza bili 10 kwa $ 1,500 iliyonse. Misonkho iwiri ikhoza kulipidwa mokwanira.
Ndalama ina idzaperekedwa ndi Medicare pa $ 450. Zina ziwiri ndi Medicaid pa $ 105 iliyonse. Zina zonse zikhoza kupita popanda kusamalidwa chifukwa wodwalayo analibe inshuwalansi kapena adiresi kutumiza ndalamazo.
Ndalama zokwana madola 3,660 zokhudzana ndi zonsezi zimasonkhanitsidwa ndikuyikidwa pamadola 10 a ambulansi, bili ya $ 1,500 imakhala ndalama zokwana madola 366, pafupifupi 24,4 peresenti, zomwe siziri zoipa zonse.
Sizimveka kuti kampani ya ambulansi ipeze 10 peresenti ya ndalama zake, kapena zoipa. Izi sizodziwika ndi ambulansi chabe-ndizovuta pa chisamaliro chaumoyo ambiri.
Ngati makampani osungira ambulansi sakupanga zokwanira pazokolola, bwanji osangokwera mitengo? Iwo akhoza, koma malipiro ochepa okha angapange kusiyana kwake. Ngati mwakweza maperesenti 10 peresenti, okhawo ogulitsa malonda akulipira ngongole yonse. Kotero mutatha kulipira madola 1,650 khumi, mudzasonkhanitsa $ 1650 kawiri, $ 450 paulendo wa Medicare ndi $ 210 pa ma call awiriwa. Medicare ndi Medicaid malipiro amaikidwa ndi boma, kotero iwo samasamala kwenikweni momwe mumalipira. Odwala omwe sanakulimbikitseni omwe anakuwombererani nthawi yoyamba akunyalanyaza ndalamazo pamene 10% akuposa.
Zonse zikadzanenedwa ndikuchitidwa, 10 peresenti ikukwera pamilandu idzakupezerani ndalama zokwana madola 300, zomwe zimapereka ndalama zokwana $ 396, komabe 24 peresenti.
Kumalipira kovuta
Chimodzi mwa zomwe zimapangitsa chinthu chonsechi kukhala chonyansa ndi njira yobwezera. Sindidzakubweretsani mwatsatanetsatane, koma malamulo a kulipira ndi gawo limodzi la matsenga voodoo ndi magawo atatu a lawese. Yambani ndi Ndondomeko ya Malipiro ya Medicare yosindikizidwa pachaka ndi mapepala-zomwe Medicare idzabwezera-ndi kuwonjezera pa zovuta "zokhudzana" zokhudzana ndi malonda a zachuma.
Funsani biller ambulansi biller kuti afotokoze momwe ndalamazo zikugwiritsidwira ntchito. Ndikulosera kuti sangathe kuchita mwanjira yodabwitsa. Angathe kulipira, koma sangathe kufotokozera mosavuta. Ndizo zovuta. Pachifukwachi, ogwira ntchito zamankhwala omwe amachititsa kuitana kwanu sangathe kufotokozera ngongoleyo ngakhale akufuna.
Zamtengo Wapatali Kuthamanga
Kodi ndalama zonsezo zimapita kuti, mwinamwake? Ambulances ndi ofunika. Simukufuna kukhala ndi malipiro ochepa opatsirana pogwiritsa ntchito chithandizo chamankhwala. Mankhwala ndi EMT ndi gawo lopambana kwambiri payankhidwe. Malinga ndi nyuzipepala yofalitsidwa ndi General Accounting Office, ogwira ntchito zachipatala amapanga pafupifupi 61 peresenti ya ndalama zoyendetsera ntchito ya ambulansi.
Mafuta, kubwereka kwa malo, kayendetsedwe ka kayendetsedwe ka kayendetsedwe, kayendetsedwe ka katundu, ndi zina zomwe amapanga zimapanga zambiri mwa zonse.
Onjezerani zonsezi kuti ambulansi si nthawi zonse kuyendetsa mafoni. Ambulensi ikhoza kungotumiza wodwala kamodzi pa maola atatu. Maofesi a ambulansi amawerengetsera nambala kuti awathandize kumvetsa momwe kampaniyo ikuchitira bwino. Gawani chiwerengero cha maulendo a ma ambulansi omwe akugwira ntchito. Icho chimatchedwa Kugwiritsa Ntchito Ogwiritsira Ntchito (UHU) ndipo ndi mtundu wa magalimoto a ambulansi.
Ndipotu, pafupifupi kumenyana kwabwino ndikutanthauza momwe UHU wabwino amawonekera; chinachake cha pafupi 0.300 kapena kotero. Njira yogwiritsira ntchito UHU kuona mmene ambulansi ikuchitira ndi kuchulukitsa ndi kuchuluka kwa ndalama zomwe ulendo wa ambulansi umapanga ($ 366, mu chitsanzo chathu). Choncho, UHU ya 0.300 yomwe inachulukitsidwa ndi maulendo a $ 366, ingakupatseni $ 122, zomwe zimatipatsa ambulansi yathu pa ola limodzi, kuposa madokotala ambiri. Kuchokera pamenepo, zonsezi zimayenera kulipira.
Zowonjezera ku Transport
Mwinamwake mukudabwa chifukwa chake ndikupitiriza kunena za maulendo kapena kunyamula odwala. Ndi chifukwa chakuti ndicho chinthu chokhacho chimene chimapereka ndalama zambiri, kuphatikizapo inshuwalansi yomwe ikuyendetsedwa ndi boma la boma, lidzalipire. Iwo samaphimba kungochiza odwala basi. Odwala matenda opatsirana pogonana kapena EMT akhoza kufika pamalo a wodwala wosakaniza ndipo amachita njira ya Heimlich, kupulumutsa moyo wake. Ngati wodwalayo atsimikiza kuti ali bwino ndipo sakusowa kupita kuchipatala, ambulansi yomwe imangopulumutsa moyo wake sichipeza mpata.
Amatha kulipira ndalama kuti amuthandize, ndipo ma ambulansi ambiri amachita. Koma, zoona zake ndizakuti, inshuwalansi zambiri sizidzalipira ndipo ma ambulansi ambiri sadzawatsatira. Choncho, mabungwe a ambulansi akuchita masamu kuti apeze ndalama zomwe amapanga (kapena kutayika) iwo sakhala nawo pazinthu zomwe sizinkayenda.
Kuwonjezera apo kuti kunyamula ndiyo njira yokhayo yomwe mungaperekere, osati kutumiza njira yowonjezera yothetsera. Kusiya wodwala pa malo odzidzidzidwa (kapena ngakhale mwadzidzidzi kuti mwadzidzidzi) ndizoopsa kwambiri mankhwala opatsirana mankhwala angatenge.
Umboni umasonyeza kuti opaleshoni si oweruza wamkulu pamene wodwala sakudwala. Kotero, pali mwayi woti tikhoza kulakwitsa ngati sititenga munthu kuchipatala ndipo palibe njira yomwe timaperekera pokhapokha ngati titatenga. Ndi chiyani chomwe chimapangitsa kumveka bwino, kutenga kapena kuchoka?
Zimene Mungachite
Choyamba, ngati mukuganiza kuti muli ndi vuto lachipatala, muiwale ndalamazo. Pitani ku chipatala kuti mukhale bwino. Kumbali ina, ngati simunaitane 911 ndipo simukuganiza kuti muli ndi vuto lachidziwitso la zachipatala, mutha kungotenga Uber.
Nthawi zonse muli ndi ufulu wokana mankhwala . Musati muchite ngati mukudwala kwenikweni, koma ngati mukufuna kusunga ndalama ndipo simukufunikira kwenikweni, khalani okonzeka kuimirira nokha.
> Zotsatira:
> (2016). Gao.gov . Inabweretsanso 27 September 2016, kuchokera ku http://www.gao.gov/assets/650/649018.pdf
> Ndondomeko ya Malipiro a Ambulance - Zochitika za Medicare & Medicaid Services . (2016). Cms.gov . Idabwezeretsanso 27 September 2016, kuchokera ku https://www.cms.gov/Medicare/Medicare-Fee-for-Service-Payment/AmbulanceFeeSchedule/index.html
> Brown LH, Hubble MW, Cone DC, Millin MG, Schwartz B, Patterson PD, Greenberg B, Richards ME. Zolemba zapamedic zofunikira zachipatala: meta-analysis. Prehosp Emerg Care . 2009 Oct-Dec, 13 (4): 516-27. lembani: 10.1080 / 10903120903144809. Onaninso.
> Narad RA, Gillespie W. Pakati pa anthu ndi mpikisano waumwini: kulekanitsa mfundo za chikhalidwe. Prehosp Emerg Care . 1998 Jul-Sep; 2 (3): 196-202.