Pali zifukwa zambiri zomwe mungatulukire kunja kwa inshuwalansi yanu yopereka chithandizo kuti muzisamalira. Komabe, kupeza chisamaliro chachinsinsi kumawonjezera chiopsezo cha ndalama komanso chiopsezo chanu chokhala ndi vuto labwino ndi chisamaliro chomwe mumalandira. Ngakhale simungathe kuthetsa vuto lanu lalikulu, mukhoza kuchepetsa ngati mukuchita ntchito yanu ya kusukulu pasadakhale .
Musanapite kunja, muthandize kumvetsetsa zoopsa zomwe mungachite komanso zomwe mungachite kuti muzisamalira. Yambani kumvetsetsa chifukwa chake kupeza chithandizo chamankhwala kunja kwa intaneti kumabweretsa chiopsezo chachikulu.
Chifukwa Chiyani Kusamalidwa Kwadongosolo Kumakhala Kowopsa kwa Ndalama
Mutha kutaya ndondomeko ya thanzi.
Pamene kampani ya inshuwalansi yaumoyo imalandira dokotala, chipatala, chipatala, kapena mtundu wina wopereka chithandizo mu intaneti, imakambirana mtengo wotsika kwa mautumikiwa. Mukapita kunja, simungatetezedwe ndi dongosolo lanu labwino. Chinthu chokhacho chimene mwasankha kuti mutengeko ndichochotsera zomwe mumakambirana nokha. Popeza mulibe mgwirizano wapamwamba pa ogwira ntchito kuti muwonetsetse kuti mukupeza bwino, muli ndi chiopsezo chowonjezereka chokwanira kwambiri kuti musamalire.
Gawo lanu la mtengo ndi lapamwamba
Gawo lanu la ndalama ndi deductible , copay , kapena coinsurance inu muyenera kulipira pa utumiki uliwonse.
Mukapita kunja kwa intaneti, gawo lanu la mtengo ndi lapamwamba. Zokwera kwambiri zimadalira mtundu wa inshuwalansi ya umoyo umene muli nayo.
Ngati ndondomeko yanu yaumoyo ndi HMO kapena EPO , izo sizikhoza kutseketsa chisamaliro cha intaneti. Izi zikutanthauza kuti mudzakhala ndi udindo wolipirira 100% ya mtengo wa chisamaliro chanu chatsopano.
Ngati ndondomeko yanu yaumoyo ndi PPO kapena pulani ya POS, iyo ikhoza kuthandizira ena kuwonongera mtengo wa kusamalidwa. Komabe, sizingalipire peresenti yaikulu ya ndalamazo ngati zikanaperekedwa ngati mutakhala pa intaneti. Mwachitsanzo, mutha kukhala ndi chitsimikizo cha 20% pa chisamaliro cha-intaneti ndi 50% zothandizira kuti musamalondere.
Ngakhale ndalama zanu zingagwiritsidwe ntchito. Ngati ndondomeko yanu ya umoyo imapangitsa kuti mukhale osamalidwa, mungapeze kuti muli ndi gawo limodzi loperekera chithandizo pa intaneti ndipo wina, wapamwamba, wogwiritsidwa ntchito pa chithandizo cha kunja .
Mutha kukhala olemera.
Mukamagwiritsa ntchito intaneti pazinthu zogwirira ntchito zaumoyo, wothandizirayo avomereza kuti asakulipireni china chirichonse kupatulapo deductible, copay, ndi coinsurance yomwe ndondomeko yanu yazondomeko yagwirizana.
Mukamagwiritsa ntchito wotulutsira kunja, sizingatheke kuti munthu amene akukuthandizani amakulipirani chilichonse chimene akufuna, akhoza kukulipirani chilichonse chimene chatsala musanayambe kampani yanu inshuwalansi. Kutchedwa kulipira ngongole, izi zingathe kukupatsani ndalama zambiri.
Apa ndi momwe zimagwirira ntchito. Mukusankha kugwiritsa ntchito wothandizira okhudzana ndi mtima wanu. PPO yanu ili ndi ndalama zokwanira 50% zothandizira anthu kuti asamalire, kotero mukuganiza kuti ndondomeko yanu ya thanzi lidzaperekera theka la mtengo wa chisamaliro chanu, ndipo mudzalipira theka lina.
Mtima wokhudzana ndi mtima umabwera ndi bili ya $ 15,000, kotero mukuganiza kuti mudzayenera kulipira $ 7,500, chabwino? Cholakwika!
PPO yanu idzayang'anitsitsa ndalama zokwana madola 15,000 ndi kunena chinachake ku zotsatira za "Zimenezo ndizochuluka. Malipiro owonjezera pa chisamaliro chimenecho ndi $ 6,000, kotero timangolandira $ 6,000 kulipira. Timalipira theka la $ 6,000 zokwanira. "PPO ikulipira madola 3,000.
Wopezeka kunja amatulutsa chisamaliro chomwe chitukuko chanu cha thanzi chikulingalira. Ikulandira ndalama zanu za $ 3,000 za PPO podula ndalama zokwana $ 15,000 ndikukutumizirani mtengo wa ndalama (ndicho chifukwa chake izi zimatchedwa kulipira ngongole ). Tsopano muli ndi $ 12,000 kuposa ndalama zokwana madola 7,500 zomwe mumaganiza kuti mudzazibwezera.
Mukulepheretsa kuteteza kutaya kwanu kunja.
Inshuwalansi yanu ya inshuwalansi yapamwamba yopangidwa ndi mthumba yapangidwa kuti idzakutetezeni ku ndalama zopanda malire. Imaika kapu, kapena kupitirira, pa chiwerengero chonse chomwe mudzayenera kulipira chaka chilichonse muzinthu zopatsa ndalama, mapepala, ndi ndalama zothandizira. Mwachitsanzo, ngati ndondomeko ya thanzi lanu ilipo madola 6,600, mutapereka ndalama zokwana madola 6,600 muzinthu zowonongeka, mapepala, ndi ndalama zothandizira ndalama chaka chimenecho, mukhoza kusiya kubweza ndalamazo. Ndondomeko yanu yaumoyo imatenga tepi 100% ya ndalama zanu zokhudzana ndi umoyo kwa chaka chonse.
Komabe, mapulani ambiri a zaumoyo samakhala ndi ngongole kuti mutuluke mumtundu wodalirika. Popeza kutalika kwa mthumba kungakhale chinthu chokha chokhazikika pakati pa inu ndi kuwonongeka kwa ndalama ngati mukukhala ndi thanzi labwino, kusankha kusamala panja kuteteza kuti ndalamazo zikhale zochepa zidzakuthandizani kuwononga ndalama zanu.
Mtundu wa Mavuto Okusamalidwa Ndi Osowa-Network Care
Anthu ambiri amafuna chisamaliro kunja kwa intaneti chifukwa amamva kuti akhoza kupeza khalidwe lapamwamba la chisamaliro kuposa momwe otsogolera awo amathandizira. Ngakhale izi zikhoza kapena zosakhala zoona, zindikirani kuti mukhoza kutaya chitetezo china chapamwamba mukatuluka kunja.
Mutha kukhala ndi mavuto ndi kugwirizana kwa chisamaliro chanu.
Makamaka mu mapulani azaumoyo omwe sangathe kulipira kalikonse pa chisamaliro chatsopano, palibenso njira zabwino zothandizira chisamaliro cha chisamaliro choperekedwa ndi wogwiritsira ntchito kunja kwa intaneti ndi chisamaliro chomwe amapereka kwa anthu omwe ali ndi intaneti.
Pamapeto pake, onus ili pa iwe kuti uonetsetse kuti madotolo anu a-intaneti amadziwa zomwe dokotala wanu akuchotsa, ndipo mosiyana. Mudzakhala wodwala komanso wodziwa zambiri pakati pa ogwira ntchito anu a-intaneti komanso omvera anu.
Musanavomereze mwakachetechete kuti bulu amasiya nanu ... dziwani kuti bulu silidzasiya. Simudzasowa kulowa kamodzi kokha kuti mutsegule phokosoli. Muyenera kuchita izi nthawi zonse mukakhala ndi msonkhano, mutenge mayesero, musinthe pa thanzi lanu, kapena kusintha mu dongosolo lanu la mankhwala.
Simukungoyamba kusiyana pakati pa madokotala anu, mwina; inu mukuzichita izo pakati pa wopereka wanu kunja-wa-network ndi dongosolo lanu la thanzi, naponso. Mwachitsanzo, ngati katswiri wanu wamagetsi akufuna kuti awonetse mayeso kapena chithandizo chimene chimafuna chisanayambe chithandizo kuchokera kwa kampani yanu ya inshuwalansi, ndiye kuti mumayesetsa kutsimikiza kuti mutha kulandira. Ngati simukupeza chithandizo, dongosolo lanu labwino likhoza kukana kulipira .
Mutha kutaya ndondomeko ya zaumoyo za opereka.
Musanalole kuti wothandizira zaumoyo athe kutenga nawo mbali pa opereka chithandizo, dongosolo lanu la thanzi limamuwonetsera. Izi zikhoza kukhala zophweka ngati kufufuza kuti malayisensi a wothandizira ali bwino kapena kuti zipatala ndizovomerezedwa ndi mabungwe ovomerezeka a zaumoyo monga JCAHCO. Komabe, ndondomeko yovomerezeka ikhoza kukhala yovuta komanso yovuta kwambiri kuposa iyo, kupereka chithandizo chimene chingakhale chovuta kuti mudzipangire nokha. Kuonjezera apo, mapulani ambiri azaumoyo ali ndi mapulojekiti opitiliza kuyang'anitsitsa ubwino wa chisamaliro chomwe amapatsidwa kwa mamembala awo ndi omwe ali ndi intaneti. Ophatikiza osagwirizana ndi miyezo yapamwamba amachokera ku intaneti.
Mukatuluka kunja, mumataya ukonde wachitetezo cha pulogalamu yanu yowunikira komanso kuyang'anira.
Mutha kutaya malankhulidwe anu a zaumoyo ndi othandizira.
Ngati mumakhala ndi vuto kapena mkangano ndi wothandizila, ndiye kuti kampani yanu inshuwalansi ya umoyo ikhoza kukuthandizani. Popeza ndondomeko yanu ya umoyo imayimira makasitomala ambirimbiri kwa omwe amapereka, wothandizirayo adzawona ngati dongosolo la thanzi likuponya mphamvu zake pambuyo pazitsutsano zanu. Ngati ndondomeko ya thanzi silingaganize kuti woperekayo akuchita bwino, zingathe kumuchotsa kuntaneti. Ngakhale kuti nthawi zambiri zinthu sizikupita patsogolo pano, ndizosangalatsa kudziwa kuti muli ndi wina yemwe ali ndi mbali kumbali yanu.
Kumbali inayi, wogulitsa kunja kwa-network sangasamalire zomwe kampani ya inshuwalansi yaumoyo ikuganiza. Kuonjezera apo, ziribe kanthu momwe zochitikazo zomwe zinayambitsa mikangano yanu ndizoopsa, kampani yanu ya inshuwalansi ya zaumoyo siidzasokoneza nthaŵi yomwe ikukulimbikitsani ndi owonetsa ena omwe sangathe kuwonetsa.
Mmene Mungasamalire Zoopsa Zowonjezereka Zogwirizana ndi Pakati Pa Network Care
Popeza mutakhala ndi udindo wofunikira kuti mupeze chisamaliro chapamwamba kuchokera kwa wothandizira anu kunja, phunzirani. Zotsatsa izi zingakuthandizeni:
Mmene Mungayendere Zolemba Zotere .
Mmene Mungapezere Zolemba Zopanda Thandizo za Dotolo .
Mmene Mungasankhire Chipatala Chabwino .
Onetsetsani kuti othandizira anu oterewa ali ndi zolemba kuchokera kwa eni-intaneti omwe amapereka chithandizo, ndi kuti anu omwe ali ndi-intaneti ali ndi zolemba kuchokera kwa operekera anu otuluka kunja. Anthu ambiri amafunika kupeza zolemba zawo zachipatala. Momwe mungapemphe Ma CD Anu Achidokotala .
Kukonzekera chisamaliro chanu kumamvetsera mwachidwi mwatsatanetsatane. Muyenera kukhala katswiri wodziwika bwino pazomwe mukusamalira. Ndiwe woyang'anira gulu lanu la chisamaliro, ndipo muyenera kuthamangira zomwe aliyense wa gulu lanu akuchita komanso chifukwa chake.
Kuwonjezera pa kupereka zolemba zachipatala, muyenera kutenga zolemba zanu mukasamalira. Pogwiritsa ntchito zolemba zanu, mungathe kupatsa omvera anu mwatsatanetsatane zokhudzana ndi kusintha kwa malingaliro ena opereka chisamaliro chanu. Muyenera kufotokoza chifukwa chomwe wothandizira wapanga kusintha kwa dongosolo lanu la chisamaliro chimene iye anapanga osati osati zomwe kusinthazo kunali.
Popeza kuti mukulipira gawo lalikulu la chisamaliro chanu mukakhala ndi chisamaliro choterechi, muyenera kudziwa chomwe chidzakhalapo musanasamalire . Konzani pa kukambirana ndi chiwerengero chochepetsedwa ndi owonetsera anu kunja; simukufuna kulipira "mlingo wamakono." Ngati ndondomeko yanu ya thanzi imathandiza kuti muthe kulipira chisamaliro cha kunja kwa intaneti, funsani chomwe chilingaliro chake choyenera ndi chachizoloŵezi chiri pa chisamaliro chomwe mukufuna. Zida zimenezi zithandiza:
Pezani Momwe Udokotala Wanu Amagwiritsira Ntchito Thandizo Lanu .