Kuru >> Dzidzo Yehutano >> 5 ehutano mabasa aunofanira kuita mushure mekunge wasangana neyako deductible

5 ehutano mabasa aunofanira kuita mushure mekunge wasangana neyako deductible

Dzidzo yehutano

Kana iwe uine inishuwarenzi yehutano, iwe unogona kunge uine inishuwarenzi yehutano inobviswa, futi. Izvi zvinoreva kuti kusvikira iwe wasvika yakatarwa dhora huwandu muhutano hwekushandisa mukati megore rakapihwa, iwe uri pachirauro che zvese yemari yako yekurapa pamusoro uye pamusoro peyako mwedzi yemubhadharo (kunze kwevamwe mabasa ekudzivirira kuti inishuwarenzi inodiwa nemutemo kuvhara). Zvichienderana nechirongwa chako, huwandu hwacho hunosiyana: Inogona kunge yakaderera kunge $ 50, kana nhamba yakakosha. Zvinoenderana ne International Foundation yeVashandi Kubatsirwa Zvirongwa , avhareji yemhuri inobvisirwa vanhu vakanyoreswa muzvirongwa-zvinotsigirwa zvirongwa zvinosvika madhora zviuru zviviri. Uye ndizvo chete avhareji -23% vane madhora anodarika zviuru zvishanu kana kudarika. Chete 7% haina kubvisirwa zvachose.

Padivi rakajeka, kana uchinge wasangana neyako yaunobvisa iwe unogona kutarisira vese avo vanonetsekana nezvehutano vasinganetseke nezvekuti uchabhadhara sei kumwe kushanya kwachiremba, mumwe mushonga, kana imwe X-ray.

Ndakasangana neyangu yakabviswa, zvino chii?

Muchokwadi, ino ndiyo nguva yekuisa pamberi pekurapwa kwawanga uchiisa. Zvikasadaro, iwe unozotanga zvese zvekare neako unobvisirwa huya muna Ndira. Hauna chokwadi pekutangira? Isu takaisa pamwechete runyorwa rwezvinhu zvishanu zvekushandisa yako inishuwarenzi yehutano mushure mekunge yako yakabviswa yasangana.

1. Ona murapi wepanyama.

Kukuvara kwemitambo, carpal tunnel syndrome, tendonitis. Aya angori mashoma eakawanda emamiriro mazhinji ayo kurapwa kwemuviri (PT) kunogona kubatsira. Asi mutengo unogona kunyatso wedzera, anodaro Katy Votava, Ph.D. , purezidhendi uye muvambi weGoodcare.com, kambani yekubvunza inobatsira vatengi kufamba munzira dzemari dzekuchengetwa kwavo kwehutano. Nekuda kwekudhura kwePT, anoti vanhu vazhinji vanodzora kushanya kwavo kana kuvadzivirira zvachose. Kufunga kuti yako inishuwarenzi chirongwa chinofukidza kurapa kwemuviri, ako marongero anofanira kuve anodhura kana yako yawakabvisa yasangana-pamwe $ 0; pamwe mubhadharo wekubatana, asi neimwe nzira zvakawanda nyore pane yako yepazasi mutsara.

piri. Tora mishonga yako kuzadzikiswa.

Mabhodhoro ako emishonga haafanire kuve asina chinhu zvachose kuitira kuti iwe ukwanise kuzadza zvakare. Kana iwe uri kumhanya zvakaderera kana unokodzera kuodha zvimwe, stock kumusoro izvozvi. Ini ndinokurudzira kuti vanhu vatarise zvakanyanya pamushonga wavanonyorerwa vagozadzwa… nekuti watosangana nezvamunobvisirwa, uye zvingave zvinonyadzisa kuva muna Zvita kana Mbudzi ukapedza mukana wekuzadza chimwe chinhu, anodaro Votava.

3. Tsiva kana kugadzirisa zvishandiso zvako zvekurapa.

CPAP michina haigare zvachose. Izvo zvakare hazvina kudhura-zvinoenderana neAmerican Sleep Association, mari yepakati yeCPAP iri $ 850. Iwe unenge uchiita bhajeti yako nyasha huru nekuwana imwe nyowani pane kuita mushure mekubvisazve resets dzako pakutanga kwa2020, anodaro Votava. Izvo zvinoenda kune zvimwe zvigadzirwa zvekurapa, senge mabhureki emabvi, eshuga eropa monitors, infusion mapombi, nezvimwe.

Zvina. Bata neaya ane ngozi ganda nyaya.

Zvakanaka, kutanga kwezvose, kana iwe uine zvine chekuita nezveganda rako kana uchida mole kubviswa / biopsy, usamirira kuti uone chiremba wako-ichi chinhu chaunofanira kutarisa pakarepo zvisinei nemamiriro ako ekubvisirwa. Nekudaro, kana iwe uine chisina kukuvadza-asi-chinosemesa ganda lesion, kunge seborrheic keratosis, wart, kana chiganda cheganda, post-deductible inguva yakanaka yekuibvisa kuhofisi yedermatologist yako.

5. Ita musangano nenyanzvi.

Zvichida chiremba wako wekutanga akakutumira kune chiremba wezvemwoyo, gastroenterologist, kana chiremba wemapfupa kuti ubatsire kugadzirisa zvimwe zvinoramba zviripo (kunyangwe zvisiri zvekukurumidzira) nyaya, asi wanga uchizviisa kure nekutya mari yekunze-kwehomwe . Panzvimbo pekuenderera mberi nekuzvimisikidza, ona iyo nyanzvi izvozvi kuti ugone kutanga kutanga pane chero kuongororwa kuongororwa kana kurapwa gore risati rapera (imaging uye labs zvaizosanganisirwa mune izvi, futi). Chero chero rudzi rweyedzo iyo iwe yauri kutofunga kuita iyo inoita kunge inodiwa kuchipatara, unofanirwa kuenda kumberi uye kuronga, Votava anodaro. Iyo imwe caveat? Zvinogona kuva zvakaoma kuwana musangano newanopa mutsva pamberi peEvha yeGore Idzva, saka usanonoka, anowedzera.