Amaphutha ku-EOB wakho angabangela u-Trouble Ngomshuwalense wakho
Incazelo Yemihlomulo (i-EOB) ifomu noma idokhumenti engathunyelwa kuwe inkampani yomshuwalense izinyanga ezimbalwa ngemuva kokuba unakekelwa kwezempilo okhokhelwa yinkampani yomshuwalense.
I-EOB yakho iyindiza emlandweni wakho wokukhokha kwezokwelapha. Buyekeza ngokucophelela ukuze uqiniseke ukuthi empeleni uthola insizakalo ekhokhwayo, inani othola udokotela wakho kanye nesabelo sakho silungile, nokuthi ukuxilongwa kwakho nenqubo yakho kubhalwe kahle futhi ikhodiwe .
Amahhovisi amaningi odokotela, izibhedlela kanye nezinkampani zokukhokha zezokwelapha zenza amaphutha okukhokha . Amaphutha anjalo angaba nemiphumela emibi futhi engaba yingozi, yesikhathi eside. I-EOB ingabuye ibe yindlela yokukhohlisa ukukhokhiswa kwezokwelapha. Inkampani yakho yomshuwalense ingase ikhokhele izinsizakalo ezikhokhiselwe egameni lakho ukuthi awutholanga.
Izibonelo zeziphambeko ku-EOB yakho
Ukukhokha kabili
UMary J. wavakashela udokotela wakhe oyinhloko (CarePress) futhi waba ne-X-ray esifubeni ngenxa yokukhwehlela okungapheli. I-PCP yakhe ithumele i-X-ray kudokotela we-radiologist okufanele afundwe. Ngenyanga elandelayo uMariya wathola i-EOB kanye nomthethosivivinywa we-radiologist. Lapho ebheka u-EOB wakhe wabona ukuthi i-PCP yakhe kanye ne-radiologist bakhokhela inkampani yakhe yomshuwalense ukufunda i-X-ray. Inkampani yomshuwalense inqabe isimangalo esivela ku-radiologist.
UMariya ngokufanele akazange akhokhe i-radiologist. Wabiza inkampani yakhe yomshuwalense ukulungisa inkinga. Lephutha lenziwe yinkampani yokukhokhisa ye-PCP.
Ukuhlukanisa imali yakho yezimali
URobert M. wayenokuhlinzwa okwelashwa esandleni sakhe. UsePPO futhi ukhokha imali ye-20% yezinqubo zokwelashwa. Ngemva kokuhlinzwa, wathunyelwa isikweletu esivela enkampanini yokukhokha yokuhlinzeka ngo-$ 1000, 20% we-bill ye-$ 5000 ye-odokotela ohlinzayo. Kodwa-ke, lapho uRobert ethola i-EOB yakhe, waphawula ukuthi nakuba udokotela ohlinzayo ekhokhisa u-$ 5000, ukhokhelwe u-$ 3000 kuphela uhlelo lukazempilo lukaRobert.
URobert wenza izibalo futhi wacabanga ukuthi kufanele akhokhe u-20% we $ 3000, hhayi i-20% ye $ 5000. Uhlelo lwakhe lwezempilo luqinisekisile ukuthi luqinisile futhi uRobert wakwazi ukukhokha imali engu- $ 600 esikhundleni se-$ 1000.
Ukuxilongwa okungalungile noma Inqubo
UBetsy D. waya ku-PCP yakhe ngomphimbo obuhlungu. Lapho ethola i-EOB yakhe yaqaphela ukuthi esikhundleni sokukhokhisa isiko le-throat, ihhovisi lakhe udokotela wayekhokhise ngokungekho emthethweni ukuhlolwa kwesifo sikashukela. Uhlelo lwekhompiyutha elisetshenziselwa inkampani yokukhokhisa ngodokotela ngokuzenzakalelayo lubeka phansi ukuxilongwa kwesifo sikashukela, okungukuthi uBetsy akanayo.
Nakuba kwakungekho iphutha lezezimali, uBetsy ngokuhlakanipha wambiza uhlelo lwakhe lwezempilo kanye nehhovisi likadokotela ukuze alungise iphutha lokuxilongwa. Esikhathini esizayo, uma efuna ukuthenga umshuwalense wezempilo, angenqatshwa ngoba wayethole enesifo sikashukela. Noma, uma kungenqatshiwe, uhlelo olusha lwezempilo lungabeka isikhathi sokulinda esimweni esivele sikhona.
Ukukhwabanisa Umshuwalense Nokunwa Kwezokwelapha
Ngaphandle kokuba nomfutho wegazi ophezulu olawulwa kahle, uJerry R. usempilweni enhle kakhulu futhi ujabulela ukudlala igalofu emphakathini wakhe wokuhlala umhlalaphansi waseFlorida. Ubhalise kuMedare njalo futhi uvakashela udokotela wakhe izikhathi ezimbili kuya kathathu ngonyaka. UJerry wathola i-EOB ebonisa ukuthi uthole isitulo sabakhubazekile, umbhede wasebhedlela ukusetshenziselwa ekhaya, nomshini ophathekayo ukuze amphefumule.
UJerry wabiza ihhovisi lakhe udokotela ukuqinisekisa ukuthi udokotela wakhe wayengazange akhokhele ngesinye isiguli isiguli. Umhlengikazi ehhovisi lakhe udokotela utshele uJerry ukuthi kungenzeka ukuthi ubugebengu bukaMedare buyingozi kakhulu futhi wamnika inamba yokuqapha ukukhwabanisa ukubiza. UJerry wabelane ngemibhalo yakhe nehhovisi laseMedare lasekhaya.
Ukushintsha Izinhlelo Zempilo
UMartin S. usanda kushintsha imisebenzi futhi kwadingeka aguqule izinhlelo zempilo. Ngemva kwesonto eguqukile, wavakashelwa udokotela ngokulandelwa kwe-cholesterol yakhe ephezulu. Ngesikhathi ehambela ihhovisi lakhe, uMarta naye wahlolwa ngegazi. Wamangala lapho ethola i-EOB ebonisa ukuthi izidakamizwa kanye nezicelo zamabhanki ngezinkonzo zakhe zenqatshelwe.
UMarta waphawula ukuthi i-EOB yayingekho ohlelweni lwakhe olusha lwezempilo.
UMarta wabiza ihhovisi lakhe udokotela futhi wathola ukuthi ihhovisi lokukhokhisa alizange livuselele ulwazi lwakhe futhi likhokhise uhlelo lwakhe lwangaphambilini lwezempilo.
Bheka Ngaphezu Konke I-EOB neBill Medical
Okokuqala, qiniseka ukuthi uthola i-EOB ngemuva kokuvakashela kudokotela wakho noma omunye umhlinzeki wezempilo. Njalo uma umhlinzeki ehambisa isimangalo egameni lakho, inkampani yakho yomshuwalense kumele ikuthumelele i-EOB. Shayela uhlelo lwakho lwezempilo uma ungenayo i-EOB ngaphakathi kwamasonto ayisithupha kuya kwangu-8 enkonzo ephathelene nempilo.
Uma uthola i-EOB yakho:
Hlola ukuqinisekisa ukuthi izinsuku nezinsizakalo ozitholile zilungile. Uma uthola iphutha noma ungaqiniseki ngekhodi, shayela ihhovisi lakho udokotela bese ubuza umabhalane wokukhokha ukuchaza izinto ongaziqondi.
Qaphela ukukhwabanisa okukhokhwayo noma ukwebiwa kwezokwelapha. Uma ungatholi izinsizakalo noma imishini ebhalwe ohlwini lwe-EOB, thinta uhlelo lwakho lwezempilo.
Funda izinkulumo noma izincazelo zekhodi ezansi noma ngemuva kwe-EOB yakho. Lezi zizathu zizochaza ukuthi kungani uhlelo lwakho lwezempilo lungakhokhisi inkonzo ethile noma inqubo noma ukukhokha kancane. Ezinye izinkulumo ezivamile ziyi:
- umhlinzeki wangaphandle-wenethiwekhi - ususebenzise umhlinzeki ongekho kwinethiwekhi yakho yezinhlelo zezempilo futhi isevisi angeke ihlanganiswe noma ingase ihambisane nokuqinisekiswa kwezimali
- Isevisi ayiyona inzuzo ehlanganisiwe - umshuwalense wakho awuhlanganisi le nsizakalo, njengezinqubo zokuqhosha
- insizakalo ayidingi imithi - udokotela wakho akakubhalanga ukuthi insizakalo noma inqubo yayidingekile empilweni yakho noma enhlalakahleni yakho
- ikhodi engavumelekile - ibonisa ukuthi umhlinzeki wakho wezokunakekelwa kwezempilo wenza iphutha lokubhala, kungakhathaliseki ukuthi uhlolwe yini noma inqubo
Kunezinyathelo eziningana ekwenzeni ukugcwalisa nokuthumela isimangalo sezokwelapha. Ngendlela, abantu namakhompiyutha abathintekayo kule nqubo bangenza amaphutha. Uma ngabe isimangalo sakho senqatshiwe, ungabi namahloni ngokubizela ihhovisi lakho nodokotela kanye necebo lakho lempilo.