Ngenkathi izinhlelo ezihlinzeka ngemigomo ephansi yezindleko zezingane zijwayelekile, izinhlelo zokugoma ezibiza izindleko zabantu abadala zikhuni ukuthola. Ukuze uthole umgomo owudingayo ngentengo ephansi kunazo zonke, kuzodingeka ubeke umlenze othile ekusesheni. Nakhu okudingeka ukwazi mayelana nokuthola imithi ebiza izindleko kubantu abadala base-United States.
Uzodingeka Uqhathanise Isitolo
Akuyona njalo ukuthi amanani aphansi kakhulu omgomo omdala angatholakala emitholampilo yezempilo yomphakathi noma yomphakathi.
Gcina isigamu sehora ngokubiza izikhungo zokugoma endaweni yakho ukuze uthole izingcaphuno zamanani.
Ngaphambi kokushayela ucingo, yazi ukuthi yimiphi imithi oyidingayo ukuze ukwazi ukucela isilinganiso samanani kulowo nalowo mithi. Ungabheka ukuthi yimiphi imishanguzo ephakanyiswayo kubantu abadala esikhungweni seSikhungo Sokulondeka Kwabantu abadala.
Ngesikhathi ukuthenga ukuthenga, qiniseka ukubuza ukuthi yiziphi izindleko ongazilindela ngaphezu kwezindleko zomuthi wokugoma. Ezinye izikhungo zokugoma zikhokhisa inani elibandakanya wonke umgomo wokugoma. Abanye banecala lomuthi wokugoma uqobo, inkokhiso yokuphatha umgomo (ukujova umgomo emzimbeni wakho), ukukhokhwa okungeziwe kwehhovisi noma ukuvakasha kwekliniki. Lezi zindleko ezengeziwe ngezinye izikhathi zibiza ngaphezu komgomo.
Eminye imithi idinga imithi kadokotela, abanye abakwenzi. Yimiphi imithi adinga ukuthi i-prescription ihlukahluka kusuka kumbuso kuya kwesimo. Ukuze imishanguzo edinga imithi, ungathola imithi evela kudokotela wakho wokunakekela oyinhloko .
Ngenye indlela, izikhungo ezithile zokugoma zinomhlinzeki ongabhala le kadokotela, nakuba leyo nsizakalo ingase ifike ngezindleko ezengeziwe. Uma ungenayo imithi yokugonywa oyifunayo, uma uqhathanisa ukuyothenga, cela ukuthi ngabe kuyadingeka yini. Uma kunjalo, buza ukuthi noma ngabe yini isikhungo sokugoma sinomhlinzeki ongabhala isigqebhezana nokuthi kungakanani okuzobiza.
Izinsiza ezikhunjweni zabantu abadala abaphansi
Umnyango Wempilo Yomphakathi Wendawo Yonke Iningi leminyango yezempilo yomphakathi, eyaziwa nangokuthi iminyango yempilo yesifunda noma amayunithi ezempilo eParish, inikeza izinsizakalo zokugoma abantu abadala. Abanye bahlinzeka ngesakhiwo sokukhokha esilinganisweni esisekelwe ekutheni uyakhokha, abanye banenani elinqunyiwe. Sebenzisa le thuluzi ukuthola umnyango wezempilo wendawo yakho.
Izikhungo Zempilo Yomphakathi Izikhungo Zempilo Yomphakathi zinikeza ukunakekelwa okuphelele, okungabizi kubantu abanokufinyelela okulinganiselwe ekunakekelweni kwezempilo. Ezimweni eziningi, lokhu kuhlanganisa imishanguzo yabantu abadala. Imali isekelwe kwimali engenayo kanye nekhono lokukhokha. Njengoba akuyona yonke imiphakathi enayo eyodwa, hlola ukubona ukuthi kukhona isikhungo sezempilo somphakathi esiseduze nawe.
Imitholampilo yamahhala Ngezinye izikhathi, imitholampilo yamahhala inikeza imishanguzo yabantu abadala. Kodwa-ke, noma ngabe umtholampilo wamahhala oseduze nawe awuhlinzeki ngemishanguzo yamahhala, uma omunye wemithi oyidinga udinga isidakamizwa, umtholampilo wamahhala ungaba yindawo enhle yokuthola leyo kadokotela. Ukwengeza, abasebenzi baseMtholampilo kanye namavolontiya banolwazi oluthe xaxa mayelana nemithombo yomphakathi yasendaweni yezinsizakalo zezokwelapha ezincane ezifana nezikhungo zokugoma ezikhulile. Ukuze uthole umtholampilo wamahhala osondelene nawe, faka ikhodi yakho ye-zip esitokisini sokuthola-umtholampilo kuwebhusayithi yeNational Association of Free and Clinic Charitable
Amakhemikhali Imithi eminingi emidala yemithi iyatholakala ngekhemisi yangakini. Ama-pharmacy anganikeza imithi ngezindlela ezintathu ezivamile:
- I-pharmist ilawula umgomo.
- Ikhemikhali ibamba imitholampilo yokudayisa eyenziwa ngumhlengikazi noma umsizi wezokwelapha ongakwazi ukubeka kanye nokuphatha umgomo. Le mitholampilo yokuthengisa ngokuvamile isebenza ngokuhamba ngezinyawo; awudingi i-aphoyintimenti.
- Ikhemisi inomtholampilo wokugoma ophakathi ohlinzeka ngemithi eyodwa noma emibili isikhathi esilinganiselwe. Le mitholampilo yokugoma ivame ukusebenza ngumhlengikazi noma imidilampilo. Lokhu kuvamile phakathi nenkathi yokugoma komkhuhlane lapho ungase ubone ithebula elisungulwe eduze ne-pharmacy ukungena emphakathini wokukhangisa umkhuhlane kanye nemigomo ye-pneumonia.
Uma uthola umgomo wakho emtholampilo wokudayisa, ungakhokhiswa ukuvakashelwa komtholampilo ngaphezu komuthi wokugoma. Qinisekisa ukubuza. Kodwa-ke, uma uthola umgomo wakho ngokuqondile kumakhemikhali kunokuba umtholampilo uthengise, ungakwazi ukugwema ukukhokhwa kokuvakashela emtholampilo. Imitholampilo yokugonywa yonyaka njengalabo abasebenza ngabahlengikazi phakathi nenkathi yempukane ivame ukucaphuna inani elibandakanya wonke umgomo kanye nokuphathwa kwayo.
Ikhemisi elilodwa lamakhemikhali elifanelwe ukubiza okukhethekile yi-Costco. Akudingeki ukuba ube ilungu le-Costco ukusebenzisa ikhemisi. Tshela umuntu ukuthi ahlole amakhadi e-Costco esangweni lesitolo ukuthi uya ekhemisi. Okuhlangenwe nakho kwami ukuthi imishanguzo eminingi emidala ingabizi kakhulu ku-Costco kunamanye ama-pharmacy ezinkambo.
I-Vaccines.gov Zama leli thuluzi lokuthola umuthi ku-website ye-Vaccines.gov. Faka ikhodi yakho ye-zip futhi libala izindawo eziseduze lapho kukhona khona imishanguzo. Kwezinye izimo, intengo yomgomo ihlanganiswe ngaphansi kwegama lomakhelwane negama.
Ukudayela 211 Uma ungenayo inhlanhla yokuthola imithi ephansi yokubiza abantu abadala usebenzisa izinsiza ezingenhla, zama ukubiza 211. Le nsizakalo inikeza ulwazi lokudlulisela ulwazi ngezinsiza zempilo nezenhlalakahle endaweni yangakini, okwenza konke okuvela ezindaweni zokuhlala ezingenamakhaya izikhungo zokugoma. Isibonelo, uma i-YMCA yangakini ibamba umtholampilo we-flu-shoot ngayinye ekwindla, abantu abangama-211 bayokwazi.
Amahhovisi Odokotela Nakuba abanye odokotela bephethe imishanguzo evamile yabantu abadala abadala ngaphandle kokuba usuvele ehhovisi legqirha elibhekene nenye inkinga yempilo, lokhu akunakwenzeka ukuba kube yinketho ephansi kunazo zonke kulabo abangenawo umshuwalense wezempilo. Uma ukhetha ukuthola i-price quote ehhovisi likadokotela wakho, qinisekisa ukuthi ubuze mayelana namacala okuphatha umgogodla kanye nokukhokhiswa kwehhovisi ngokufaka izindleko zomgogodla uqobo.
Izinhlelo Zokusiza Abaguli Abagulayo
Ezinye izinkampani zokwelapha ezenza imishanguzo yabantu abadala zihlinzeka ngemali yezimali kubantu abadala abangaqinisekisiwe abangakwazi ukukhokhela imishanguzo. Ukufaneleka kwemali yezimali kuyashintsha yinkampani kodwa cishe njalo kusekelwa imali. Ukwengeza, kwezinye izinkampani zemithi, udokotela noma umtholampilo uzodinga ukusiza ukuthi uthumele uhlelo lokusebenza lwezezimali.
Ngenkathi usebenzisa uhlelo losizo lwezimali lwebhizinisi lenkampani yezokwelapha, sebenzisa igama lomuthi lomgomo esikhundleni segama elivamile noma igama elivamile ukwenza usesho lwakho lwewebhu lube lula.
- I-GalaxoSmithKline: I- GSK Inqamulela Uhlelo Lokufinyelela 1-877-VACC-911. Usizo luyatholakala ku-Boostrix® (Tdap), iCervarix® (HPV2), i-Engerix B® (i-Hep B, i-Havrix® (Hep A), ne-Twinrix® (HepA / HepB).
- Merck: Uhlelo lwe- Merck Vaccine Patient Assistance Program 1-800-293-3881. Usizo luyatholakala kwi-Gardasil® (HPV), i-MMR® (imashubhu, iminyumba, ne-rubella), i-Pneumovax 23® (i-pneumonia), i-Recombivax HB® (i-hepatitis B), i-VAQTA® (i-Hepatitis A), i-Varivax® (i-varicella / inkukhu ), Zostavax® (Zoster / Shingles).
- I-Pfizer: I- Pfizer RxPathways 1-866-706-2400.
- USanofi Pasteur: USanofi Pasteur unikeza usizo lwezezimali nge-Partnership for Assistance Assistance. Usizo lwezezimali luyatholakala ku-Adacel® (Tdap), Decavac® (Td), Menactra® (meningitis), Menomune® (meningitis), Imovax® (Rabies) Imogam® (Rabies Immune Globulin).
Umshwalense Wezempilo Nemishanguzo Yabantu abadala
Uma udinga imishanguzo eminingana, ikakhulukazi uma ezinye zemithi oyifunayo zilawulwa ochungechungeni lwamabhothi amabili noma amathathu phezu kwamasonto ambalwa noma izinyanga, ungabheka izindleko zamakhulu angamakhulu amaRandi noma ngaphezulu. Umshuwalense wezempilo oyithenga nge- Care Affordable Care Act yakho yomshuwalense wezempilo kumele uhlanganise imishanguzo ye-routine eyanconywa yiKomiti Yeluleko ye-CDC Yokuzivocavoca. Kukhona ama-caveats amabili abalulekile mayelana nokusebenzisa umshwalense wezempilo emitholampilo yabantu abadala:
- Imishanguzo ephakanyisiwe ye-ACIP ejwayelekile kumele ihlanganiswe ngaphandle kokukhokha imali yakho yokubambisana , i- copay , noma i- coinsurance , kodwa kuphela uma uthola kuzo kumhlinzeki we- in-network .
- Umshuwalense wakho wezempilo akudingeki ukumboza imithi yokuhamba kodwa ungabheka imithi ethile edingekayo yokuhamba.
Uma ungenayo umshuwalense wezempilo ngoba awukwazi ukuwukhokhela, ungase ukwazi ukuthola usizo lokukhokhela umshuwalense wezempilo . Uhulumeni unikeza izinhlobo ezintathu zokuxhaphaza ukusiza abantu abanemali ephansi kakhulu abathengi futhi basebenzise umshuwalense wezempilo. Ngaphezu kwemishanguzo engekho izindleko, lo mshwalense wezempilo uzophinde uhlanganise uhla oluphelele lwezinsizakalo zokunakekelwa kwezempilo eziphakanyisiwe ngaphandle kokudonswa kwama-deductibles, ama-copays, noma i-coinsurance.