Kuru >> Kambani >> Nzira gumi dzekuchengetedza pamari yehutano

Nzira gumi dzekuchengetedza pamari yehutano

Kambani Mutengi ane ruzivo anogona kuwana kuchengetedza kwakakura kana iwe uchiziva kwekutarisa

Mari dzehutano ndedzemari yakakosha muUnited States- kusvika panosvika $ 11,172 pagore ye muvhareji weAmerica , maererano neCenters for Medicare neMedicaid Services. Tichifunga kuti mari yepakati pemhuri ingori pamusoro pe $ 63,000 (uye vazhinji vanotambira zvakati wandei), ndicho chikamu chakakura chebhajeti yemhuri. Inenge gumi muzana yeiyo inoshandiswa pamishonga yekutengesa mishonga.

Kurasikirwa kwemabasa kunokonzerwa ne COVID-19 denda, uye kurasikirwa kunowirirana kweinoshandirwa-inotsigirwa inishuwarenzi yehutano kwakaita kuti vanhu vazhinji vekuAmerican vazive nezvezvikanganiso muhutano hwavo hwekuvhara-uye nekuvhiringidza uye kuomesa hurongwa hunogona kufamba.

Kune vanhu vane chirwere chisingaperi uye kwenguva yakareba kurapwa kurapwa, kutsvaga nzira dzekuvhara mari yekurapa pasina kutyora bhangi chiitiko chezuva nezuva. Neraki haisi iyo yese yakaipa nyaya. Mune akawanda akajairika ezvehutano zviitiko, mutengi savy anogona kuwana kwakakosha kuchengetedza kana iwe uchiziva kwekutarisa.

Nzira gumi dzekuchengetedza pamari yehutano

Sekureva kwehunyanzvi hwekurapa, idzi ndidzo nzira dzepamusoro gumi munhu wepakati anogona kuchengetedza mari pamari yehutano.

1. Ongorora yako yazvino inishuwarenzi chirongwa

Uri kuwana izvo zvinokwanisika here kubva kune yako inishuwarenzi chirongwa? Zano rako rinoraira mutengo weakawanda ezvehutano hwako zvine chekuita nehutano. Ita shuwa yekudzidza chirongwa chako uye uzive izvo zvakafukidzwa pasi pechirongwa chako chazvino (uye chii chisiri).

Izvi zvinoreva kutora nguva kuti unzwisise kuti yako copay uye / kana co-inishuwarenzi mitengo ndeipi, yakakura sei yako yaunobvisa, uye ndeapi vanopa, zvivakwa, kana zvipatara zviri mu-network. Uye usakanganwa kujairana neiyo drug formulary inosangana nehurongwa hwako. Iwe unogona kushanda pamwe nemupi wako wezvehutano mupi kuti uchinje zvirevo kuti uwire mumutengo wakaderera wemutengo wekutaurwa kwako chaiko.

Kana chirongwa chako chazvino chisingakodzere zvaunoda zvehutano zvezvino, funga kushandura kufukidzwa kwako. Kunyangwe chirongwa chako chiri chega, mushandirwi, kana nyika-inotsigirwa, unogona kunge uine dzimwe sarudzo dziripo dzinoenderana zvirinani nezvaunoda.

2. Shandisa zvirongwa kuchengetedza pamitemo yako

Saina kadhi rekuchengetedza chemishonga.

Makadhi ekuchengetera Chemishonga mahara emasevhisi ayo anopa zvikwereti zvakakura pamitengo yemishonga pakaunda yemishonga. Zvirongwa zvakaita SingleCare inobvumidza iwe kutsvaga tsamba yako kuti uwane iyo yakaderera mitengo muma pharmacy padyo newe. Zvese zvaunoda kuti uite kuratidza wemishonga kadhi rako kuti uwane pakarepo kuchengetedza pane zvako zvirevo. Iwe unogona zvakare kukopa iyo app pano . Pamusoro pezvo, mamwe mafarmacy akafanana Walgreens uye Walmart uve nemapurogiramu ekuchengetedza mishonga vatengi vese vanogona kutora mukana.

Kumbira mishonga yechivanhu kana zvichibvira.

Usafunge kuti vanachiremba kana vemishonga vanozokuraira iwe yakachipa pakurapa iripo. Vanachiremba vanowanzo gadza zita-mhando mishonga yavanonyanyo ziva nayo. Mageneral madhiragi, zvakadaro, anongoshanda sezita remushonga zita uye mutengo 80% -85% zvishoma paavhareji . Gara uchibvunza wako wemishonga kana paine zvakaenzana zvinoshanda, zvisingadhuri generic imwe nzira yekunyora kwako.

Chinja kune tsamba-yekuraira zvirevo.

Kana iwe ukatora mishonga imwe chete kana mishonga nguva dzose, unogona kuchengetedza mari nekuzadza Rx yako ne-mail-order pharmacy. Tsamba-yekuraira ma pharmacies anotendera iwe kuti uzadze zvirevo zvako muhuwandu, uchikupa zvinhu zvemazuva makumi mapfumbamwe panzvimbo pezvinhu zvemazuva makumi matatu, kazhinji pamutengo wakaderedzwa. Kunyangwe zvirinani-mazhinji ma-mail-odhomoka mafamasi achashanda ne Imwe kadhi inonyorwa yakaderedzwa kadhi kune imwezve mari.

3. Gara uchitenga-tarisa

Chinhu chakanakisa chaungaite kune chero hombe mutengo wekuchengetedza hutano kuongorora zvaunogona kuita. Vanhu vazhinji havazive kuti maitiro mamwe chetewo anogona kutora makumi ezviuru emamwe kuchipatara kana nzvimbo pane chimwe kana kana ichiitwa nachiremba mumwe zvichipesana nechimwe. Pamaitiro akarongwa kana kuvhiya, varwere vanogona kufonera zvipatara pamberi kuti vakumbire fungidziro yeinvoice. Mazhinji zvirongwa zveinishuwarenzi zvinokutendera kuti utsvake mune-network vanopa usati waronga musangano. Zvimwe zvipatara nevamishuwarenzi kunyange ipa zvishandiso zvemitengo pamhepo zvekufungidzira-chaiko-nguva .

Kana iwe uchida kuchengeta mupi wako wazvino, zvakakodzera kubvunza kana ivo vachikwanisa kupa kurapwa nemutengo wakaderera mune imwe nzvimbo. Vamwe vanachiremba vanoita muzvivakwa zvakawanda, zvese izvi zvinogona kubhadharisa zvakasiyana kune akawanda masevhisi akafanana. Zvichienderana nechirongwa chehutano hwako, chiremba wako anogona kukwanisa kupa mamwe masevhisi, senge majekiseni ekudzivirira, maitiro, kana kuyedza pamutengo wakaderera pane imwe nzvimbo. Zvinogara zvakakodzera kubvunza chiremba wako kana hanya yako ingadhura zvishoma pane imwe nzvimbo yekurapa.

4. Dzivisa mari isiri madikanwa

Iva akatendeseka newe pachako nezvematambudziko ezvemari aungatarisana nawo mukuomerera kuchirongwa chekurapa kana kuzadza mushonga. Kuziva zvaunotadza kuita zvemari zvinokubatsira kudzikisira pasi mibvunzo chaiyo yekubvunza yako inishuwarenzi chirongwa uye wako mupi wezvehutano nezve nzira yekuwana yakaderera mitengo sarudzo. Pakupedzisira, zvibvunze kana iwe uchinyatsoda iyo bvunzo, mushonga, kana maitiro akurudzirwa. Tsvaga kana paine imwe nzira, isingadhuri mari inogona kukushandira.

5. Usatya kutaurirana mitengo

Zvinogona kunge zvisingaite senge, asi mazhinji makuru mabhiri echipatara zvinotaurika . Zvipatara zvakawanda zvinopa kuregererwa, kuderedzwa kwemari, kana zvirongwa zvekuyamura. Ita shuwa yekufonera iyo yekubhadhara dhipatimendi uye ubvunze kana paine zviripo zviripo kana kana vachigona kukwidza chero inoenderana mari. Dhipatimendi rekubhadhara richakwanisa zvakare kupa ruzivo nezve kumisikidza chirongwa chekubhadhara chisina kuunganidza mubereko.

6. Tora mukana wezviwanikwa zvemahara

Makiriniki enharaunda anogona kupa kumwe kuongororwa kwehutano mahara kana pasipidhi — uye mari zhinji zhinji ine zvirongwa zvekukutendera kuti uwane kurapwa pasina muripo.

Matanho ekudzivirira : Kana iwe uine inishuwarenzi inovhara, vazhinji vanovhara mahara zvegore checkup, senge yegore negore yemuviri kana mushe-mukadzi bvunzo-hapana copay inodiwa. Tarisa nehurongwa hwako kuti uone kana uchigona kutora mukana weiyi bhenefiti.

Jekiseni: Sangano reAmerican Diabetes Association inofungidzira kuti 34.2 mamirioni eAmerica vari kurarama nechirwere cheshuga. Sezvo mutengo we insulin uchiramba uchikwira, hazvishamise kuti vanhu vazhinji vanorarama nechirwere cheshuga vari kunetseka kubhadhara kurapwa. Mumakore achangopfuura, zvakadaro, vagadziri vemishonga vakagadzira zvirongwa zvinopa yemahara kana yakaderedzwa insulin. Vazhinji vagadziri vemishonga vanopa insulin rubatsiro zvirongwa . Pamusoro pezvirongwa izvi, makadhi ekuderedza emishonga, seSingleCare, anogona zvakare kubatsira avo vanorarama nechirwere cheshuga kuti vawane chemishonga inopa mitengo inodhura kwazvo yeinyorerwa insulin.

Mishonga: Kupesana nenjere dzakakurumbira, majekiseni ekudzivirira asingakwanise kuwanikwa nguva dzose mumakiriniki ehutano enharaunda. Zvakawanda nzvimbo dzoutano dzemunharaunda uye madhipatimendi ehutano ehurumende ipai majekiseni emahara kana akaderedzwa kune vasina kuvharwa kana vakuru vasina inishuwarenzi, asi variko zvakare dzimwe nzira dzekuchengetedza pamari yekudzivirira . Vanogadzira majekiseni senge Brand uye Pfizer ipa rubatsiro rwekubhadhara zvirongwa zvevana nevakuru. Zvekuchengetedza zvakanyanya, zvakakosha kuti utengere uye uone kuti ndeipi sarudzo yakakunakira iwe.

Nyoresa HSA kana FSA

Kana iwe uine inishuwarenzi yehutano, chirongwa chine HSA (account yekuchengetedza hutano) kana FSA (inoshanduka yekushandisa account) inogona kukubatsira iwe kuchengetedza mari pane yako-kunze-kwehomwe mari yekurapa. Maakaundi ese ari maviri anokutendera iwe kuti upe chikamu cheyako pre-mutero mari, iyo inogona kushandiswa kubhadhara anokwanisa marapirwo emari, anosanganisira macopay, coinsurance, zvirevo, nezvimwe. Dzidza zvakawanda nezve mutsauko wepurani yega yega pano .

Ramba uchifunga kuti mu2018 avhareji mhuri yeAmerica yakashandisa $ 28,166 pamitengo yehutano, 83% yadzo yakaenda kumakambani einishuwarenzi, anodaro Deane Waldman , MD, MBA, muzvinafundo anobuda paPediatrics, Pathology, uye Sarudzo Sayenzi paYunivhesiti yeNew Mexico. Fungidzira kana vakaisa izvo muHSA gore rega!

8. Wana tarisiro yakakodzera

Paunenge usiri kunzwa zvakanaka, zvinokumbira kuenda kunzvimbo yekutanga yekuchengetedza iyo ine musangano unowanikwa. Asi hazvisi zvese zvekupa mupi zvinodhura zvakafanana. Zvibvunze wega-iwe unoda here kushanyira imba yekukurumidzira kana iwe unogona kumirira musangano neano-mu-network mupi? Idzi sarudzo dzine macopay akasiyana kwazvo, uye dzinogona kukusevhesa mazana emadhora, zvinoenderana nenyaya yaunoda kugadzirisa.

Kana yako inishuwarenzi ichiifukidza, ona kana iwe uchigona kubvunza nachiremba pafoni kana kuburikidza neye telehealth musangano panzvimbo yekushanya-kwe-munhu. Kune avo vanokodzera, telehealth kudomwa kunogona kupa chakakosha kuchengetedza nekufamba kwenguva. Maererano neimwe ongororo, avhareji mutengo wekusarudzwa kwechiremba chaiwo ndeye $ 40- $ 50, nepo kusarudzwa kumwechete mumunhu kuchizotora madhora zana nemakumi manomwe nematanhatu pakushanya. Iyi sarudzo yave kutonyanya kufadza mukuona kwedenda razvino, nekuti zvinoda njodzi shoma yekutapukirwa kwevarwere nevanopa. Dhipatimendi reU.S. reHutano neHuman Services ( HHS ) yatora matanho ekuwedzera kuwanikwa kweye telehealth services.

Ita shuwa yekutarisa yako inishuwarenzi kufukidza uye taura nemupi wako kuti uone zvinoshanda zvakanyanya kwauri.

9. Ongorora mabhiri ako (uye zvikanganiso zvekukwirira)

Maererano ne Hutano Hwevatengi , pane mamwe matanho akakosha aunofanirwa kutora chero nguva yaunogashira hombe yekurapa. Kutanga, ita shuwa kuti iwe unowana risiti yakarongedzwa. Chigadzirwa chimwe nechimwe chinofanira kuve chakanyorwa zvakasiyana nemari inobatanidzwa nechinhu chimwe nechimwe chakaputswa. Muchinjikwa unongedze maitirwo aya uye nemitengo yawo pamwe neinishuwarenzi yako yehutano tsananguro yemabhenefiti (EOB) kuti uve nechokwadi chekuti hapana kusawirirana. Kana iwe ukawana iko kukanganisa, ita shuwa kufonera yako inishuwarenzi kambani uye kukwidza. Kana iwe uine mibvunzo nezvekuti nei wakabhadhariswa imwe nzira, mushonga, kana bvunzo, inogara iri pfungwa yakanaka kufonera chiremba uyo akakubhadharisa uye wobvunza. Sevha ese maresiti ako uye humbowo hwekubhadhara kuitira kuti kukwidza kuve nyore sezvinobvira.

Dzidzira kuchengetedza

Chimwe chezvinhu zvakanakisa chaungaite kudzikisira yako yenguva-refu yehutano mari ndeyekumisikidza yezuva nezuva hutano uye hutano tsika zvinokushandira iwe. Ini ndinofunga nezve hutano hwakanaka, kugara uchirovedza muviri, uye kushungurudzika semakumbo matatu etsoka matatu anobatsira kudzikamisa hupenyu hwemunhu, anodaro Julie Cunningham . Kana iwe uchinge uchirasikirwa neicho kana chimwe icho, yako katatu inokasira pamusoro. Kana wawana zvese zvitatu, hutano hwako hune hwaro hwakasimba chaizvo. Kugara uine hydrated, kufamba mukufamba kwemazuva ese, kurega kuputa, kunwa doro shoma, kana kuita shanduko yekudya zvine hutano kunogona kukanganisa hutano hwako mune ramangwana uye kudzivirira ramangwana mutengo.

Idzi nzira inzira huru dzekuwana yekuwedzera mari pamari yezuva nezuva yezvehutano. Pasinei nezinga reinishuwarenzi rauinaro, hapana chikonzero chekubhadhara zvinopfuura zvakafanira kurapwa kwako!