Ukufumana iinketho zoNcedo oluFikelelekayo lomhlaza

Eli nqaku libonisa ubunzima bokufumana Unyango lomhlaza ophantsi, ukubonelela ngesikhokelo kunye nezixhobo ezifanelekileyo ukunceda ukuhamba imiceli mngeni yezemali enxulumene nononophelo lomhlaza. Sivavanya iindlela ezahlukeneyo zokunciphisa iindleko, kubandakanya ukugubungela i-inshurensi, iinkqubo zoncedo lwezezimali, kunye nokuthatha inxaxheba kweklinikhi. Ukuqonda ukhetho lwakho kunye nokufikelela kwinkxaso ekhoyo kubalulekile ekulawuleni umthwalo wezemali wonyango lomhlaza.

Ukuqonda iindleko zonyango lomhlaza

Unyango lomhlaza lunokubiza kakhulu, lubandakanya iindleko ezahlukeneyo ezinje ngovavanyo lokuqonda, i-sundotherapy, i-radiation phanya, i-radiation yonyango, imbuyekezo, kunye nokhathalelo oluxhasayo. Indleko iyonke inokwahluka kakhulu kuhlobo kunye nenqanaba lomhlaza, isicwangciso sonyango esinyuliweyo, kunye ne-inshurensi yezempilo yomntu. Uninzi lwabantu lusokola ukuhlawula ezi ndleko zibalulekileyo, ezikhokelela ekukhangeleni Unyango lomhlaza ophantsi Khetha ukhetho.

Izinto ezichaphazela iindleko zonyango

Izinto ezininzi zichaphazela iindleko zonyango lomhlaza. Oku kubandakanya uhlobo lomhlaza, inqanaba ekufumaneni isifo, ubunzima berejimeni yonyango, ubude bonyango, imfuno yonyango, kunye nokusetyenziswa kwamayeza akhethekileyo okanye ubuchwepheshe obukhethekileyo. Indawo yejografi ikwadlala indima, ngeendleko zonyango ezahluka kakhulu phakathi kwezo ndawo kunye nababoneleli bezempilo.

UKUJONGA IZIPHUMO ZOCWANGCISO LOKUGQIBELA

Ngelixa ngokupheleleyo Unyango lomhlaza ophantsi isenokungafumaneki ngokulula, iindlela ezininzi ezinokunceda ukunciphisa iindleko. Ezi zicwangciso kufuneka ziphononongwe ngokudibeneyo kunye neengcali zonyango ukuqinisekisa ukuba azithathi ntshukumo okanye zisebenze.

Ukugubungela i-Inshurensi kunye noncedo lwezezimali

Uninzi lwabantu luxhomekeke kwi-inshurensi yezempilo ukugubungela inxenye yeendleko zomhlaza. Kubalulekile ukuba uqonde umgaqo-nkqubo wakho weinshurensi, kubandakanywa nemida yokugubungela, izinto ezifudumeleyo, kunye ne-co-Pays. Ababoneleli-mali abaninzi banikezela ngeenkqubo zoncedo lwezezimali okanye umsebenzi ngemibutho yesisa ukuze bancede abaguli balawule iindleko zepokotho. Ukuphonononga ezi zikhetho kwangoko kubalulekile.

Iimvavanyo zeklinikhi

Ukuthatha inxaxheba kwizilingo zeklinikhi kunokubonelela ngokufikelela kwiimpango zomhlaza okunokwenzeka okunokubakho kwixabiso elincitshisiweyo okanye ikhululekile. Izilingo zeklinikhi zihlala zigubungela iindleko zamayeza, iimvavanyo, kunye nokuqeshwa. Nangona kunjalo, ukuthatha inxaxheba kubandakanya iimfuno ezithile kunye neengozi ezinokubakho ezinokuthi zixoxwe ngononophelo kunye nogqirha we-orkogist. Ngelixa iimvavanyo zeklinikhi zinokubonelela Unyango lomhlaza ophantsi, kubalulekile ukuba uqonde ukuzibophelela okufunekayo kunye neziphumo ezinokubakho. Ngolwazi oluthe kratya malunga novavanyo lweklinikhi, unokunxibelelana newebhusayithi yeZiko leSizwe loDzwa.IZiko leSizwe lomhlaza

Ukubiza iindleko zonyango

Unxibelelwano oluvulekileyo kunye nabanikezeli bakho bezempilo malunga neenkxalabo zezemali zingakhokelela kwizisombululo. Izibhedlele kunye neeklinikhi zinokubonelela ngezicwangciso zokuhlawula, izaphulelo, okanye iinkqubo zoncedo lwezezimali ezisekwe kwiimfuno zomntu ngamnye. Kukwakufanelekile ukukhangela ukhetho lweendleko zokuxoxa okanye ukuhlola eminye amaziko onyango anokuba namaxabiso afikelelekayo.

Iinkqubo zoncedo lukaRhulumente

Iinkqubo ezininzi zikarhulumente, ezinjengeMedicare kunye neMedicare, zibonelela ngoncedo lwezezimali zeendleko zempilo, kubandakanya unyango lomhlaza. Iinkqubo zokufaneleka kokufaneleka ziyahluka ngokuxhomekeka kwiimeko zabantu, kubandakanya nengeniso kunye nempahla. Ukuphanda kunye nokufaka isicelo senkqubo ezifanelekileyo kunokunciphisa kakhulu umthwalo wezemali woKhathalelo loMhlaza. I Amaziko e-Medicare & Neenkonzo zeMidlalo (i-CMS) Iwebhusayithi inika ulwazi olupheleleyo.

Ukufumana ababoneleli bezempilo abanobuchule

Ukukhetha umboneleli wezempilo odumileyo kubalulekile ukuze ufumane ukhathalelo lomhlaza ophezulu. Ukuphanda ngezibhedlele ezahlukeneyo kunye neeklinikhi, ukufundela ukufundela isigulana, kunye nokuqinisekisa iziqinisekiso kunokunceda ukuqinisekisa ukuba ufumana unyango olufanelekileyo. Cinga ngezinto ezifana namava, amaqondo empumelelo, kunye nolwaneliseko lomguli xa usenza isigqibo. I IZiko loPhando lweShandong Baeo inikezelwe ekunikezeleni ngononophelo olusemgangathweni ophakamileyo lomhlaza kwaye unokufumana iinkonzo zawo ziluncedo.

Ukuqukumbela

Ukuhambahamba kwezemali zonyango lomhlaza kunokuba yinto enkulu, kodwa ukuqonda ukhetho lwakho kunye nokusebenzisa izixhobo ezikhoyo kunokwenza umahluko obalulekileyo. Ngokuhlola i-Inshurensi yokuPhakanyiswa, iinkqubo zoncedo lwezezimali, iimvavanyo zeklinikhi, kunye neendleko zokuxoxa, unokufumana izisombululo ezifikelelekayo kwaye ugxile kwimpilo yakho kunye nentlalo-ntle yakho. Khumbula ukuba uhlala unxibelelana nomboneleli wakho wezempilo ukuba aphuhlise isicwangciso sonyango esibanzi nesijongana neemfuno zezonyango nezemali. Ungaze unciphise umgangatho wokhathalelo lwakho ekufumaneni Unyango lomhlaza ophantsi; Beka impilo yakho kwaye uphonononge zonke iindlela ezikhoyo zokulawula iindleko.