Imibono Yesibili Nokuhlinzwa
Iziguli eziningi zinamahloni noma zihlazeka ukucela umbono wesibili uma zicubungula ukuhlinzwa. Bakhathazeka ngokuthi bangase bakhuthele udokotela wabo odokotela, ukuthi bazothola ibhilidi elibizayo nelingadingekile lokubonisana, futhi bayakhathazeka ngokuthi umbono wesibili ukuchitha isikhathi.
Eqinisweni, udokotela ohlinzayo othukuthele noma othukuthele ukuthi isiguli sifuna umbono wesibili awuziphethe kahle, njengoba umbono wesibili uthathwa njengengxenye evamile yale nqubo.
Awunaso isibopho sokuxoxa nombono wakho wesibili nanoma ubani ngaphandle kwedokotela osihlinzekayo.
Ngempela, asikho isizathu sokuzizwa singakhululekile ngokufuna umbono wesibili - ukuthola ulwazi oluningi ngangokunokwenzeka ngaphambi kokuba uhlinzekwe yindlela engcono kakhulu yokwenza isinqumo esifanele. Uma udokotela wakho odokotela ekhungathekile ngesinqumo sakho sokuthola umbono wesibili, ungayithathi. Akunakwenzeka ukuthi udokotela wakho ohlinzayo ngeke athole umbono wesibili uma ngabe impilo yabo iyingozi!
Ungayithenga imoto noma indlu ngaphandle kokukhuluma nabangane abambalwa noma amalungu omndeni mayelana nesinqumo? Iningi lethu lizoxoxa ngokuphelele ngesinqumo esikhulu sokuphila nabantu esithembayo. Isinqumo sokuhlinzwa futhi ngubani oyokwenza lokho kuhlinzwa, ngezindlela eziningi, kubaluleke ngaphezu kokuthenga okukhulu. Sikhuluma ngempilo yakho, inhlalakahle yakho futhi, ngokuqinisekile, mayelana nekhono lokuhlinzeka nemibono yokuhlinzwa - ihlukahluka.
Kubaluleke kangakanani umbono wesibili? Okubalulekile ngokwanele ukuthi i-Medicare Part B izokhokhela imibono yesibili yokuhlinzekwa ngokwemithi, njengoba kwenza izinkampani eziningi zomshuwalense. Abanye baze bakhokhele umbono wesithathu uma odokotela ababili bokuqala benemibono ehlukile. Khumbula ukuthi izinkampani zomshuwalense ngeke zikhokhelwe umbono wesibili wokuhlinza okungadingekile, njengezinqubo zezimonyo, kodwa uyazi ukuthi ngenkathi inkampani yomshuwalense izimisele ukukhokha okuthile kubhekwa njengesidingo sokufuna.
Indlela Yokuthola Umbono Wesibili
Kuwe kuwe noma ngabe wabelane ngani ngenhloso yakho yokufuna umbono wesibili nodokotela ohlinzayo oye wabonisana naye. Uma unamahloni noma ungakhululekile ukuxoxa ngesifiso sakho sokuba nemibono yesibili, akudingeki ukuba wenze kanjalo. Ezinye iziguli zizwa sengathi zithengisa udokotela wabo odokotela ngokufuna enye iphuzu, kepha umbono wesibili uvamile.
Uma ukhetha ukwabelana ngecebo lakho ukuthola umbono wesibili, udokotela wakho ohlinzayo angase akwazi ukutusa udokotela ohlinzayo abajwayele. Udokotela wakho odokotela angase ancoma udokotela ehhovisi lakhe, noma omunye umuntu angabambisene naye. Kungakhathaliseki ukuthi uyayisebenzisa noma ngabe awuyisebenzisi yini lokhu kunconywa kuwe.
Uma ukhetha ukuthola umbono wakho wesibili ngokwakho, ungasebenzisa amathiphu afanayo wokuthola udokotela ohlinzayo omkhulu ongayenza ngemibono yakho yokuqala. Kuzodingeka uqiniseke ukuthi amakhophi kwanoma yikuphi ukuhlolwa, ama-x-rays, izikrini kanye nezibhedlela ezamukelwayo ezihlobene nesimo sakho zithunyelwa kudokotela onika umbono wesibili. Kungenzeka noma ungafuni ukuthi udokotela wakho wokuqala abelane ngemibono yabo nodokotela wesibili.
Lapho Uthola Umbono Wesibili
Umbono wesibili uyanconywa noma nini lapho ucubungula inqubo yokuhlinzwa.
Kunconywa futhi uma uzizwa imigomo yakho kanye nemigomo yesigqila sakho sokuhlinza akufani. Isibonelo, uma uzama ukugwema ukuhlinzeka futhi ufuna ezinye izindlela enkambisweni, futhi udokotela wakho ohlinzayo ugcizelela ukuthi ukuhlinza kuyindlela kuphela, kufanele ufune umbono wesibili.
Uma unomuzwa wokuthi imibuzo yakho mayelana nenqubo ayiphenduliwe, noma awuzwa ukuthi ubuhlobo bakho nodokotela wakho ohlinzayo kufanele bube yilokho, cabanga ngokufuna omunye udokotela ohlinzayo. Futhi, uma "isisu sakho" senza ukhathazeke ngokukhetha kwakho udokotela ohlinzayo, ungamnaki umfutho - funa umbono wesibili.
Lapho Umbono Wesibili Ungenakwenzeka
Kunezimo ezithile lapho ukulinda ukuthola umbono wesibili kungaba yingozi noma ngisho nokusongela impilo, noma okungenani ukwandise ingozi yokuhlinzwa .
Uma kwenzeka ukulimala okubuhlungu, njengokuphuma kwangaphandle kwengozi yemoto, amathambo aphukile, noma ukulimala komzimba okusolakala ukuthi kungalindeleka kube yingozi.
Uma kwenzeka ukugula okungalindelekile kodwa okulukhuni, okufana ne-appendicitis noma i-clot yegazi okungenzeka, ukubambezeleka kokuhlinzwa kungaholela ekufeni. Ukulimala kobuchopho, njengokonakala kwesifo sobuchopho, ukulimala kwekhanda, noma ukulimala okungenayo, kungenye yezinkinga lapho imizuzwana ibalwa khona, ngakho-ke umbono wesibili awufanelekile.
Ngokuvamile, ukuhlinzwa okuthiwa " izinqubo eziphuthumayo " kuyodingeka kwenziwe ngaphandle kokuthola umbono wesibili. Lokho akusho ukuthi akufanele ube nesakhiwo esisodwa, izikhungo ezinkulu zivame ukuba nezihlinza eziningi ezihlinzayo ezifanayo, futhi uma umbono wesibili ukwenzeka ukuthi uyothola ungakhetha ukhetho olulodwa.
Imithombo:
Ukuthola umbono omuhle wesibili. Isibhedlela sase-Yale-New Haven.
Ukuthola Umbono Owesibili Ngaphambi Kokuhlinzwa . Amasevisi we-Medicare neMediicaid Services.