Kodi Mumalipira Chiyani?
Chisamaliro chapadera, nthawi zina chimatchedwanso chisamaliro, chomwe chimatchulidwa ngati chithandizo chamankhwala kapena chithandizo chimene sichimafuna kukhala m'chipatala kapena kuchipatala. Chisamaliro chapakati cha mankhwala chikhoza kuperekedwa ku ofesi ya zachipatala kapena kuchipatala, koma kawirikawiri, amaperekedwa ku ofesi yachipatala kapena kuchipatala chapakati.
Chisamaliro chapadera chimaphatikizapo machitidwe achizolowezi monga kuchepetsa kapena kuyendera kuchipatala.
Ngakhale zambiri zomwe zikuphatikizidwa monga njira zothandizira opaleshoni , pokhapokha atakulolani kuchoka kuchipatala kapena tsiku lomwelo, zikhoza kuonedwa kuti ndizochilendo. Ntchito zambiri za opaleshoni, chithandizo cha kukonzanso mankhwala, komanso chithandizo chamankhwala chopezeka m'maganizo chimapezeka ngati chithandizo cham'tsogolo. Chisamaliro chapakati pafupipafupi chimakhala chotsika mtengo kusiyana ndi chisamaliro cha atpatient chifukwa nthawi zambiri sichikukhudzidwa ndipo sichifuna kuti wodwala apitirizebe kukhalapo pamalo omwe amagwiritsa ntchito chipatala chochepa kapena chipatala.
Kwa cholinga cha inshuwalansi, ambiri omwe amachiritsidwa akudwala amachotsedwa malinga ndi mtundu wa utumiki woperekedwa kuchipatala , katswiri, thanzi labwino, etc.). Kuchita opaleshoni yachipatala ndi malo amodzi omwe amadziwika bwino, ndipo akufotokozera gawo lanu la ndalama ngati mukufunikira njira kapena ntchito zomwe sizikusowa usiku kuti zilowe kumalo. Monga mankhwala opatsirana opaleshoni, ndalama zomwe zimagwirizanitsidwa ndi chipatala chomwecho komanso dokotala / opaleshoni akuchita izi nthawi zambiri zimapindula ngati zopindulitsa zosiyana.
Tanthauzo la Odwala Matenda ndi Odwala Odwala
Ngati muli ndi Medicare , mufunse ngati mukuganiza kuti mukudwala kapena mukudwala matenda opatsirana. Malo anu a chipatala (ngati chipatala chikukuonani kuti ndinu "odwala" kapena "odwala") zimakhudza momwe mumalipiritsira ntchito zachipatala (monga X-ray, mankhwala, ndi ma laboni) komanso zingakhudzire ngati Medicare idzayang'aniranso chithandizo malo osungirako anamwino (SNF) pambuyo pa chipatala chanu.
- Ndinu odwala matenda opatsirana kuyambira pamene mumaloledwa kuchipatala ndi dokotala. Tsiku lomwe musanachotsedwe ndi tsiku lanu lomaliza lachipatala.
- Ndiwe wodwalayo ngati ukupeza thandizo la dipatimenti yozizwitsa, ntchito zowonera, opaleshoni yapadera, ma laboratory, ma X-ray, kapena ma chipatala ena onse, ndipo adokotala sanalembere kalata kuti akuloleni kuchipatala monga odwala. Pazochitikazi, ndiwe wochiritsira kunja ngakhale mutagona usiku kuchipatala.
Zimene Mumalipira Ngati Wopanda Matenda pa Medicare
Gawo B limapereka thandizo lachipatala. Kawirikawiri, izi zikutanthawuza kuti mumalipira ngongole kwa munthu aliyense wogwira ntchito kuchipatala. Chiwerengerochi chikhoza kusiyana ndi utumiki. Zindikirani: Ndalama ya ntchito ya chipatala yomwe ili kunja kwapadera siingakhale yoposa chipatala chomwe chilipo. Komabe, msonkho wanunthu kwa mautumiki onse opita kuchipatala angakhale oposa chipatala chomwe chilipo.
Gawo B limaphatikizapo ntchito zambiri zachipatala mukakhala kuchipatala. Mumalipira 20 peresenti ya ndalama zomwe mulandira mankhwala a Medicare mutatha kulipira gawo B.
Kawirikawiri, mankhwala osokoneza bongo ndi owonjezera omwe mumapeza pamtunda wodwala (ngati chipatala chodzidzimutsa), nthawi zina amatchedwa "mankhwala omwe amadzipangira okha," sakuphimbidwa ndi Gawo B.
Komanso, chifukwa cha chitetezo, zipatala zambiri zili ndi malamulo omwe samalola odwala kubweretsa mankhwala kapena mankhwala ena kunyumba. Ngati muli ndi mankhwala a Medicare ( Gawo D ), mankhwalawa akhoza kubvumbidwa panthawi zina. Mwinamwake mukuyenera kulipira-mthumba wa mankhwala awa ndi kumapereka chilolezo kwa dongosolo lanu la mankhwala kuti mubwezereni. Itanani dongosolo lanu la mankhwala kuti mudziwe zambiri.