7 Amathuba Aphuthelwe Ukuqoqa Imali YezeMpilo YezeMpilo

Ukuqoqa Imali Engaphezulu Ngamasu A-7

Kunamathuba amaningi okuqoqa imali ehhovisi lezokwelapha. Nazi ezinye izikhathi ezingabanjwanga ukuthi uma kusetshenziswe kahle kungathuthukisa isimo sezimali sehhovisi lakho.

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Imali yokukhokha

Amahhovisi amaningi ezokwelapha akhokhisa imali yokukhokha iziguli ezingakwazi ukukhokha ama-copays phambili. Le mali, engaba kusuka ku-$ 5.00 kuya ku-$ 25.00, kufanele ikhokhe izindleko zokuphatha zeziguli zokukhokha ngemuva kokuthi sezivele zithole amasevisi. Ngaphambi kokusebenzisa le nqubomgomo, qiniseka ukuthi uthumele izimpawu ehhovisi lakho futhi iziguli zibhalise ukuthi ziyazi ngemali entsha yokukhokha.

Inzuzo yemali yokukhokha ukuthi yandisa amaqoqo angaphambili. Amaqoqo aphezulu akuwona umqondo omusha wehhovisi lezokwelapha. Ukuqoqwa kwama-copay isiguli, ukuqinisekiswa kwemali, nokunciphisa imali ngaphambi kokunikezelwa kwezinsizakalo kunciphisa isikweletu esibi futhi kwandiswe amaqoqo A / R.

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Izinkokhelo ezingekho

Amacala angaphuthelwa angafaka ngaphezu kwamaphesenti ayisihlanu enzuzo elahlekile. Akuzwakala njengokuningi kepha ngezinombolo ezinkulu, amaphesenti amahlanu angafaka ngokushesha. Bheka ngale ndlela - amaphesenti ayisihlanu ngu-$ 5,000 kuwo wonke amaRandi ayizigidi ezingu-100,000 ezakhiwe, okusho ukuthi imali eyengeziwe eyakhiwe yandisa amathuba okulahleka imali ngenxa yamacala alahlekile.

Amacala angekho akhombisa kuphela amathuba alahlekile okuqoqa inzuzo kodwa futhi kusho ukulandelela okungabanjwanga kwempahla, imisebenzi, noma izinsiza. Yini engenziwa ukuze kuncishiswe amathuba okukhokhiswa kwamacala?

Ukuhlolwa okuqhubekayo kuyindlela eyodwa yokunciphisa amacala alahlekile. Amahhovisi amaningi ezokwelapha awenzi ukuhlolwa okuqhubekayo ngoba kuyinkqubo yokusebenzisa isikhathi esiningi. Ukucwaningwa kwamabhuku kudinga ukuthi umuntu aqhathanise nezinsizakalo nempahla eyayikhokhiswa ekumangalisweni kolwazi olubhalwe eshadini lesiguli.

Esinye isiphakamiso ukuthuthukisa inqubo yokufaka amacala kwi-akhawunti yesiguli. Uma izinqubo zenziwa njalo futhi ziphindaphindiwe, kunamathuba ambalwa okwenza amaphutha.

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Izilinganiso ezincane

Izilinganiso ezincane ngokuvamile zibhalwa ngoba kungenakufaneleka izindleko zokuzama ukuziqoqa. Kubalulekile ukuba nenqubomgomo encane yokubhalisa ibhalansi. Inqubomgomo idinga ukufaka amanani nokuthi kudlule kangakanani ngoba ama-akhawunti kufanele afaneleke ukubhalwa.

Into ebalulekile okumele uyiqaphele ukuthi ama-akhawunti wokubhaliwe angakwazi ukuqoqwa kuphela uma nje ithunyelwe ku-akhawunti futhi ukubhalwa kuguqulwa.

Ukuqoqa izilinganiso ezincane akudingi ukuba imali nesikhathi sisetshenziswe ukuthumela izikweletu nokubeka amakholi eqoqo. Enye indlela elula yokuqoqa imali emalini amancane ukuphatha abasebenzi basehhovisi kanye nabahleli be-aphoyintimenti bahlole izilinganiso zangaphambilini zeziguli. Ngale ndlela isiguli singakhunjuzwa ibhalansi yabo evelele ngenkathi ehhovisi noma efonini.

Ukukhumbuza iziguli ukuthi zinama-$ 5.00 noma i-$ 10.00 ibhalansi izosiza ekuthuthukiseni amaqoqo ngenkathi kususwa ama-akhawunti afanele adlule.

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Awekho-Bonisa Izimali

Ukukhokhisa iziguli ezingabonisi izimali kuye kwaba yinkimbinkimbi embonini yokunakekelwa kwezempilo. Uma iziguli zinganiki isaziso, isikhathi sabo sokuqokwa manje slot esingenamuntu lapho kungekho khona imali engenayo.

Imali engekho-bonisa ayikwenzi nje kuphela enye yemali elahlekile kodwa futhi ifundisa iziguli zakho ukuthi zinike isaziso uma zizokhansela ukuqokwa kwazo. Lokhu kuvumela futhi ithuba lokuphindaphinda ukuqokwa ngenkathi isiguli sisefonini.

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Izinkokhelo ze-Medicaid ezibuyisiwe

Izinkokhelo ze-Medicaid ezishintshayo zingase zifanele iziguli ezingazange zisebenze kuze kube ngemva kokuba zithole ukwelashwa kwezempilo. Lokhu kungase kubaluleke kakhulu ezigulini ezizibophezelayo kanye neziguli ezithintekayo izimangalo.

Ngezinye izikhathi iziguli azi ukuthi ziyakufanelekela i- Medicaid , kodwa ihhovisi lakho lingabakhuthaza ukuba bafake isicelo. Izikhathi eziningi bangase bafake isicelo futhi babuyele emuva-kodwa bahluleke ukunikeza ulwazi ehhovisi lakho. Vula ulwazi lweziguli zakho ngokusebenzisa uhlelo lwakho lokufaneleka lwe-Medicaid ukuze ubone ukuthi zivunyiwe yini isikhathi sokuphindaphindiwe, okuyizinyanga ezintathu.

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Bill Extra for Emergency

Noma nini lapho ihhovisi lakho lezokwelapha libhekene nokucindezela isiguli esiphakathi kwama-aphoyintimenti ngoba badinga ukwelashwa okusheshayo okungeke kulinde, ungakhohlwa ukukhokhisa okunye. Engeza i-CPT 99058 isimangalo ngaphezu kwamanye amasevisi anikeziwe.

Kuye kumkhokhi, kungenzeka noma ungatholi inkokhelo ephelele. I-Medicare ne-Medicaid, ngokwesibonelo, izinsizakalo zesikhwama uma wenza izinkokhelo. Abanye abakhokha bangakhokha ngokugcwele ku-service yokuqala ye-E / M kubike futhi benze inkokhelo encane kwesevisi ngayinye eyengeziwe.

Qinisekisa ukuthi isizathu sokuvakasha kwesiguli siyafaneleka njengesevisi yokuphuthumayo ngaphambi kokukhokha.

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Imicimbi Ekhethekile

Ukwenza imali engenayo yehhovisi lakho lezokwelapha kungaba lula njengokubamba izenzakalo zezokwelapha ezikhethekile unyaka wonke. Khokha imali encane kusuka ku-$ 5.00 - $ 25.00 kuye ngezinkonzo ezinikezwayo.

• Imitholampilo ye-Vaccine Clinic
• I-Cholesterol Screenings
• I-Blood Pressure Screenings
• Ukuhlolwa kwe-STD nokuhlolwa kwe-HIV
• Ukuhlolwa kwesifo sikashukela