Mukufuna kuti muzisamalidwa ndi dokotala wodwala, chipatala, kapena chipatala? Mutha kulipira zambiri kuposa momwe mungakhalire mutakhala mu-intaneti. Ndipotu, ndi HMO s ndi EPO s, inshuwalansi ya thanzi lanu silingathe kulipira kalikonse pa kusamalidwa kwa intaneti . Ngakhale inshuwalansi ya umoyo wanu ndi PPO kapena dongosolo la POS lomwe limapereka chisamaliro chanu chokhazikitsa chisamaliro chanu, gawo lanu la ngongole lidzakhala lalikulu kwambiri kuposa momwe mumagwiritsira ntchito kulipira pa intaneti.
Komabe, nthawi zina, ndondomeko yanu ya thanzi lidzaperekera chisamaliro cha pulogalamu yamtundu womwewo womwe umapereka pa intaneti, ndikukupatsani ndalama zambiri. Muyenera kudziwa nthawi komanso momwe mungapemphe.
Pamene Thanzi Lanu Labwino Lidzatha Kubwereketsa Mipata Yogwiritsira Ntchito Pakati Pakati pa Network Care
Inshuwalansi ya umoyo imayendetsedwa ndi malamulo a boma. Dziko lirilonse limasiyana ndi oyandikana nalo, kotero zotsatira zake ndizo malangizo omwe amagwira ntchito kudziko lonse. Komabe, ngati malamulo anu a boma akusiyana, ndondomeko yanu yathanzi ikhoza kutsatira malamulo osiyana.
Zolinga zaumoyo zingaganizire kupereka malipiro anu kuti mutuluke pa intaneti ngati kuti muli nacho kuchokera kwa wothandizira pa intaneti mu zotsatirazi:
- Zinali zoopsa ndipo munapita ku chipinda chapafupi chimene chimatha kuchiza matenda anu. Pachifukwa ichi, ndondomeko yanu ya thanzi imatha kukumana ndi "zoopsa" monga khutu la khutu, chifuwa chodandaula, kapena nthawi imodzi yosanza. Koma, zikutheka kuti mutha kusamalira mwadzidzidzi chisamaliro chamtundu wa zinthu monga kuyerekezedwa kwa mtima, kukwapula, kapena kuopseza moyo ndi kuvulala kwa miyendo.
- Palibe opezeka mu intaneti komwe muli. Izi zikhoza kutanthauza kuti inu muli kunja kwa tawuni pamene mukudwala ndipo mutapeza kuti intaneti yanu yachithandizo sichikuphimba mumzinda umene mukumuyendera. Zingatanthauzenso kuti muli mu gawo lanu labwino, koma mapulani anu a umoyo samaphatikizapo mtundu wa akatswiri omwe mukufunikira, kapena katswiri wokhudzana ndi intaneti ndi mamita 200 kutali. Pazochitika zonsezi, ndondomeko yanu yaumoyo idzakhala yowonjezereka kusamalira njira zothandizira pa intaneti ngati mumagwiritsa ntchito ndondomeko yaumoyo musanayambe kusamalira.
- Muli pakati pa njira yovuta yothandizira (kuganiza za mankhwala kapena kuika thupi) pamene wothandizira wanu mwadzidzidzi amachoka pokhala mu-network mpaka kunja kwa intaneti. Izi zikhoza kuchitika chifukwa wothandizira wanu wachotsedwa, kapena asankha kuchoka, pa intaneti. Zitha kuchitanso chifukwa chakuti inshuwalansi ya umoyo wanu inasintha. Mwachitsanzo, mwinamwake muli ndi zolemba za ntchito ndipo abwana anu sanapatseni ndondomeko yomwe mwakhala nayo kwa zaka zambiri kotero kuti munakakamizika kusinthana ndi dongosolo latsopano. Nthawi zina, dongosolo lanu labwino laumoyo lidzakulolani kuti mutsirizitse njira yanu yothandizira chithandizo ndi wogulitsa omwe simunatumikire nawo panthawi yomwe mumasamalira chisamaliro chanu pa intaneti.
- Chilengedwe chachilengedwe chimapangitsa kukhala kosatheka kuti mupeze chisamaliro cha intaneti . Ngati dera lanu litangotha ​​chigumula, mphepo yamkuntho, chivomerezi, kapena moto wamtunda umene unakhudzidwa kwambiri ndi malo omwe amagwiritsidwa ntchito mumtundu wanu, ndondomeko yanu yaumoyo ingakhale yokonzeka kusamalira chisamaliro chanu pa intaneti chifukwa -ntwork malo sangakusamalireni.
- Pali zovuta zowonjezera kupanga zovuta zopezeka pa intaneti zovuta kapena zomwe zingathe kupanga chisamaliro chochepetsetsa kusiyana ndi chisamaliro cha intaneti. Izi ndizopadera, zosiyana-siyana zomwe ziyenera kuthandizidwa payekha. Mudzakhala mukupempha dongosolo lanu labwino kuti mupange chisankho chapadera, kwa inu nokha, komanso panthawiyi. Nazi zitsanzo zoganizira:
- Mumaphunzira kuti dokotala wa opaleshoniyo ali ndi kachilombo koyambitsa matenda opatsirana katatu kuposa ochipatala omwe ali kunja kwa tauni. Palibe ochita opaleshoni ena. Muyenera kuchitidwa opaleshoni, ndipo muli ndi mankhwala (kapena muli ndi matenda) omwe amakupangitsa kukhala kovuta kuti mumenyane ndi matenda. Pankhaniyi, mukupempha dongosolo la thanzi kuti mupange zosiyana chifukwa cha kuchuluka kwa chiopsezo chotenga matenda, vuto lanu lolimbana ndi matenda, ndi kuchuluka kwa chiwerengero cha HIV. Muyenera kutsimikiza ndondomeko yanu ya thanzi kuti ikhale yogula kwambiri kuti iwo asamalire kusamala kwanu pa intaneti kusiyana ndi kulipira chithandizo chamtengo wapatali komanso zotsatirapo za post-op matenda.
- Inu mwangopyola mu chilekano chaukwati. Mwamuna wanu wamwamuna wakale ndi yekhayo amene ali mu-network neurosurgeon pamtunda wa makilomita 300, ndipo muli ndi chotupa cha ubongo chimene chikufuna opaleshoni. Sikuti simukufuna kuti mwamuna wanu wakale achite opaleshoniyi, komanso simukufuna kuti afotokoze zolemba zanu zachipatala. Funsani dongosolo lanu la thanzi kuti mupange chisankho chapadera ndikuphimba njira yothandizira odwala ngati kuti ali mu-intaneti.
Kodi Mungatani Kuti Mupeze Thanzi Lanu Labwino Kuti Muzitha Kuphimba Padziko Lanu Pakati pa Zomwe Mungagwiritse Ntchito?
Choyamba, muyenera kupempha dongosolo lanu labwino kuti muchite izi, ndondomeko yaumoyo sizingodzipereka. Ndizovuta kupatula chithandizo chadzidzidzi, mapulani ambiri azaumoyo sangakhale okondwa kwambiri podziwa kusamalira pulogalamu ya pa intaneti. Izi zikutanthauza kuti dongosolo la thanzi lidzasamalire zambiri kapena lidzagwiritsa ntchito nthawi ndi mphamvu ya antchito kuti mukambirane maulendo ochepetsedwa ndi chithandizo chanu. Komabe, izi sizikutanthawuza kuti ndondomeko ya thanzi sidzapereke mu-ma rateti. Mukungoyenera kutsutsa zokhudzana ndi chifukwa chake mukufunikira kusamalidwa ndi intaneti komanso chifukwa chake kugwiritsa ntchito intaneti sikungagwire ntchito.
Mudzakhala ndi mwayi wopambana ngati mukukonzekera. Ngati izi sizikudandaula, funsani ndondomeko yanu yaumoyo ndi pempho lanu musanayambe kukonzekera kuti musamalire. Izi zingatenge masabata. Chitani ntchito yanu ya kusukulu kuti muthe kukweza mfundo zanu ndi mfundo, osati maganizo okha. Funsani chithandizo cha dokotala wanu wodalirika payekha kuti alembe kalata ku ndondomeko yanu ya thanzi kapena kuyankhula ndi wotsogolera zaumoyo wanu chifukwa chake pempho lanu liyenera kulemekezedwa. Ndalama zimayankhula, kotero ngati mungathe kusonyeza momwe kugwiritsa ntchito wotulutsira pulogalamu yapamwamba kungapulumutse kampani yanu ya inshuwalansi ndalama panthawiyi, zomwe zingakuthandizeni.
Pamene mukukambirana ndi ndondomeko yanu ya thanzi, pitirizani kukhala katswiri, ulemu. Khalani otsimikiza, koma osati mwano. Ngati mukukambirana ndi foni, pezani dzina ndi mutu wa munthu amene mukumuyankhula naye. Lembani zonse pansi. Pambuyo pa kukambirana kwa foni, ganizirani kulembera kalata kapena imelo pofotokoza mwachidule kukambirana kwanu kwa foni ndikukutumiza kwa munthu yemwe munayankhula naye, kapena kwa bwana wake, monga kukumbutsani za zomwe mukukambirana. Pezani mgwirizano uliwonse.
Mukamakambirana za mauthenga omwe simulumikizana nawo pa Intaneti, pali zinthu ziwiri zomwe mungagwiritse ntchito: kugawana ndalama komanso kupereka malipiro oyenera.
- Kuyankhulana kwa mtengo wa ndalama: Pamene mutatulutsidwa kunja kwa intaneti kudzera mu dongosolo la PPO kapena POS, mutha kukhala ndi ndalama zapamwamba zothandizira pazinthu zamtundu wina kusiyana ndi kusamalidwa. Ndalama zomwe mudapereka kale ku deductible yanu mu-network sizikhoza kuwonetsa kunja kwa-deductible deductible, kotero inu mukhoza kuyamba onse pa zero. Kuonjezerapo, ndalama zothandizira pazinthu zowonongeka zowonjezera nthawi zambiri zimakhala zapamwamba kwambiri kusiyana ndi chisamaliro cha intaneti. Kambiranani kuti chisamaliro chiyenera kulipidwa pogwiritsira ntchito chiwerengero cha deductible mu-network komanso mu-network coinsurance rate, chimodzimodzi ngati mutagwiritsa ntchito intaneti.
- Zokwanira komanso mwambo wokhoma kulipira: Pogwiritsira ntchito wothandizira ena, muli pachiopsezo cholipira ndalama zomwe zingayambitse kubweza ndalama zambiri kuposa zomwe munaneneratu. Ogwirizanitsa zaumoyo adzayang'ana pa pulogalamu yachinsinsi, kunena, $ 15,000 ndi kunena chinachake ku zotsatira za "Lamulo ili ndilokwezeka kwambiri ku utumiki. Ndalamayi ndi yopanda nzeru. Mlandu wowonjezera ndi wachizolowezi wothandizira ndi $ 10,000, kotero tidzalandira gawo lathu la $ 10,000. "Mwatsoka, mutha kulipira ndalama zokwana madola 5,000 kuwonjezera pa kugawa kwanu ndalama. Dziwani zambiri za izi mu " Kulipira Ngongole-Zimene Zilipo ndi Momwe Zimagwirira Ntchito ."
Mukakambirana za kusamalidwa kwa intaneti pa ma-network rates, onetsetsani kuti muthetsa kusiyana pakati pa zomwe mumazitulutsa pa Intaneti ndi zomwe dongosolo lanu labwino likulingalira. Izi zingaphatikizepo ndondomeko yanu yaumoyo kupanga mgwirizano ndi wanu wotulutsira pa intaneti pa gawo limodzi la chisamaliro pazomwe mukukambirana. Onetsetsani kuti mgwirizanowu uli ndi "chigamulo chosagwiritsanso ntchito" kuti musagwiritse ntchito ndalama zina osati ndalama, deday, ndi coinsurance.