Ukuqonda nokulawula iindleko ze Umhlaza wezapheko Unyango

Eli nqaku libonisa imiba yemali ye Umhlaza wezapheko Unyango, uchaze ukhetho ngeendlela kunye nokuqwalaselwa kokulawula iindleko. Siza kusebenza kwi-inshurensi yokugubungela, iinkqubo zoncedo lwezemali, kunye nezicwangciso zokunciphisa iindleko ngelixa ziqinisekisa ukhathalelo lomgangatho ophezulu. Ukufumana unyango olufikelelekayo lwe Umhlaza wezapheko ibalulekile, kwaye esi sikhokelo sijolise ekunikezeleni ulwazi kunye nezixhobo ezifanelekileyo.

Ukuhambahamba kweendleko zonyango lwezintso

Ukuqonda umahluko wamaxabiso

Ixabiso le Umhlaza wezapheko Unyango luyahluka ngokuxhomekeka kwizinto ezininzi. Oku kubandakanya inqanaba lomhlaza, uhlobo lonyango olufunekayo (utyando, unyango lwe-ramotherapy, i-radiation yonyango, indawo ekhethiweyo (indawo ekhethiweyo (i-Inshurensi yoMguli. Ukufumana uqikelelo olucacileyo kubaboneleli abaninzi kubalulekile ekuqondeni iindleko ezinokubandakanyeka.

Ukugubungela i-Inshurensi kunye nokusikelwa umda kwawo

Uninzi lwezicwangciso zeinshurensi yezeMpilo zigubungela ezinye iinkalo ze Umhlaza wezapheko unyango. Nangona kunjalo, ubungakanani bokugubungela rhoqo kuxhomekeke kwiinkcukacha zomgaqo-nkqubo wakho, kubandakanya izinto zokungafuduki, i-co-Pays, kunye ne-pocket ephezulu. Kubalulekile ukuphonononga ngokucokisekileyo umgaqo-nkqubo wakho weinshurensi kwaye uxoxe ngeendlela zokugubungela kunye nomnikezeli wakho weinshurensi kunye neqela lezempilo. Ukuqonda umda weSicwangciso sakho kunye neendleko ezinokubakho zepokotho zibaluleke kakhulu ekucwangciseni unyango lwakho.

Iinkqubo zoncedo lwezezimali kunye nezixhobo

Iinkqubo zoncedo lukaRhulumente

Iinkqubo ezininzi zikarhulumente zibonelela ngoncedo lwezezimali kunyango lomhlaza, kubandakanya i-Medicare kunye neMedicaid eUnited States. Iinkqubo zokufaneleka kokufaneleka ziyahluka ngokuxhomekeke kwingeniso, ubudala, kunye nezinye izinto. Ukuvavanya ezi zikhetho zangethuba kwinkqubo yonyango kunokunciphisa kakhulu umthwalo wezemali Umhlaza wezapheko Unonophelo. Ingcaciso eneenkcukacha malunga nokufaneleka kunye neenkqubo zokwenza isicelo ziya kufumaneka kwiiwebhusayithi ezisemthethweni zezi nkqubo.

Iinkqubo zoNcedo lweZigulana (i-PAPS)

Iinkampani ezininzi zamayeza zibonelela ngeenkqubo zoncedo zoguli (i-PAPS) ezibonelela ngamayeza azimahla okanye aphunguliweyo kwizigulana ezifanelekileyo. Ezi nkqubo zinokunciphisa kakhulu iindleko zamayeza kagqirha afunekayo Umhlaza wezapheko unyango. Jonga ugqirha wakho okanye inkampani yamayeza yeenkcukacha zokufaneleka nakwiinkqubo zesicelo. Iinqobo zokufaneleka ziyahluka ngokubanzi ngokuxhomekeka kwinkqubo ethile kunye nemeko yezigulana.

Ukunciphisa iindleko ngelixa ugcina ukhathalelo olusemgangathweni

UKUJONGA IZIPHUMO ZOCWANGCISO LOKUGQIBELA

Izicwangciso ezininzi zinokukunceda ulawule iindleko ze Umhlaza wezapheko unyango ngaphandle kokulalanisa kumgangatho wokhathalelo. Oku kunokubandakanya ukuthelekisa amaxabiso kubanikezeli bezempilo eyahlukeneyo, ukuxoxa ngezicwangciso zokuhlawula, kunye nokujonga uvavanyo lweklinikhi (ngamanye amaxesha lubonelela ngonyango lwendleko). Ukuphanda ukhetho kunye nokuxoxa ngeendlela ngeendlela ezixabisa iindleko kunye neqela lakho lezempilo kubalulekile.

Sebenzisa uthungelwano lwenkxaso kunye nezixhobo

Ukunxibelelana namaqela enkxaso yesigulana kunye nemibutho engezelelo inokubonelela ngezixhobo ezixabisekileyo kunye nolwazi ngokulawula imiba yemali ye Umhlaza wezapheko unyango. La maqela ahlala enika ingcebiso ngemali, uncedo lokuhamba ngeendlela zeinshurensi, kunye nenkxaso yeemvakalelo. Ukunxibelelana kunye nokufuna inkxaso kunokwenza umahluko obalulekileyo ekulawuleni imiceli mngeni yezonyango kunye nezemali yonyango lomhlaza.

Iinkalo ezongeziweyo

Iindleko zexesha elide

Kubalulekile ukuqwalasela iindleko zexesha elide ezinokubakho Umhlaza wezapheko Unyango kunye nokuchacha, kubandakanya ukuqeshwa ngokulandelela, ukulungiswa kwakhona, kunye namayeza anokuqhubekayo. Ukucwangciswa kwezemali ngononophelo kubalulekile ukulawula ezi ndleko ngokufanelekileyo.

Qaphela: Iindidi zeendleko ziqikelelo kwaye zinokwahluka kakhulu. Nxibelelana nababoneleli bezempilo kunye neenkampani zeinshurensi yolwazi oluchanekileyo.

Ngolwazi oluthe kratya malunga nonyango lwe-Kisney Unyango kunye nenkxaso, unokunqwenela ukuphonononga izixhobo ezikhoyo kwi IZiko loPhando lweShandong Baeo. Khumbula ukubonisana neqela lakho lezempilo ukwenza isicwangciso sonyango esifanelekileyo esifanele iimfuno zakho kunye nezemali.