Amathiphu Wokulwa Nenkampani Yomshuwalense Wezempilo
Uma ungomunye wezigidi zabantu baseMelika benenhlanhla ngokwanele yokuba nomshuwalense wezempilo, ngandlela-thile endleleni ozodinga ngayo ukulwa nenkampani yomshuwalense wezempilo. Ngisho nomshuwalense, iningi labantu lizobhekana nenselelo yenkampani yomshuwalense ophika ukuhlolwa kokuhlolwa okukhethekile, ukwelashwa noma imithi, ngisho nalawo mithi noma imithi udokotela wakho ayincoma noma ayilungiselele impilo yakho noma isimo sakho se-thyroid.
Ikhamphani yakho yomshuwalense ingase ithi udinga imvume yangaphambili noma ukuvunywa ngaphambi kokuba uhlolwe ngenye yezokwelapha noma ukwelashwa, noma ngaphambi kokuba unqunywe imithi ethile ye-thyroid. Ngisho nalapho uthola imvume leyo, u-insurer wakho angaphenduka futhi wenqaba ukumboza izindleko zokuhlolwa okukhethekile, ukwelashwa noma imithi. Ukwenqaba ukumboza imithi kaningi kuyinkinga yeziguli ze -roid ezichazwe izidakamizwa ze-thyroid ezifana ne-Armor noma i-Nature-Throid, noma iziguli zomdlavuza we-thyroid (i-thyrotropin alfa), engabiza kakhulu futhi ayitholakali ngendlela ejwayelekile.
Kungani izinkampani zomshuwalense ziphika ukusikwa, futhi yini ongayenza ngakho? Ufunde kabanzi ngalokhu kulesi sihloko esithi Kungani Umshwalense Wempilo Yami Engakuthola Ukunakekela Udokotela Wami?
Abashuwalense bayaziwa njalo ukuthi bahlanganisa odokotela abathile kuphela, izibhedlela ezithile noma ama-laboratories, futhi bayaphika ukuthunyelwa kwabanye.
Lokhu kungase kudideke, kodwa kunezizathu zokuthi kungani ama-insurers angama-cherry akhetha ukufakwa kwawo. Thola ukuthi kungani abanye abanomshwalense wezempilo benqabe ukukhokha abanye odokotela, ama-lab noma izikhungo, esihlokweni esithi: Kungani Umshwalense Wami Wempilo Ungabhubhisi Odokotela Ngifuna Ukuwabona?
Ingabe umshuwalense wakho uzokwelapha imithi ephelele noma ehlukile - njengemithi yokwelapha noma isisu - ngenxa yesimo sakho se-thyroid kanye nezimpawu ezihlobene nayo?
Iningi alikho, empeleni. Kunezizathu zokuthi kungani ama-insurers enqaba ukumboza noma yini engavamile.
Kwezinye izimo, umshuwalense uzophika ukukhishwa ngoba ibhilidi yakho ibhalwe ikhodi ye-CPT engalungile. I-CPT imele "I-Current Procedural Terminology", futhi amakhodi we-CPT yinkimbinkimbi yezinkomba ezinikezwa wonke umsebenzi nesevisi udokotela ohlinzeka njengengxenye yokwelashwa kwakho. Uma izwe lonke lamakhodi wezokwelapha lifana nolimi lwangaphandle, ungafunda kabanzi ngalokhu kulesi sihloko esikwazisa : Yiziphi Amakhodi we-CPT? Ingabe Zithinta Ukunakekelwa Kwezempilo?
Ama-CPT amakhodi awawona amakhodi kuphela angathinta ukuthi ngabe umshwalense wakho ukhokha noma ophika inkokhelo yakho. Kukhona amakhodi e-Healthcare Common Coding System (HCPCS) asetshenziswa yi-Medicare, i-NDC (National Drug Codes), amakhodi we-DSM asetshenziselwa izifo ezibhekene nezifo zengqondo, nokunye okuningi. Uzobona izincazelo zazo zonke lezi amakhodi ochungechungeni lwezihloko ezifundisayo Amakhodi Ezokwelapha: Umhlahlandlela Wokugula Amakhodi Ezokwelapha .
Ukulungele ukuhamba yonke indlela yokulwa nenkampani yomshuwalense eye enqabe isimangalo sakho ngokunakekelwa kwe-thyroid efanelekile, imishanguzo yegciwane, noma ezinye izivivinyo zokwelashwa eziphakanyisiwe noma ukwelashwa udokotela wakho akuphakamisile kuwe?
Ungafunda okuningi kusuka kwi-Health Insurance Expert yethu, uDkt. Michael Bihari, esihlokweni esinikeza iseluleko esihle kakhulu mayelana nokulwa Nokumangalelwa Kwempilo Yomshuwalense Wezempilo: Ngezinye izikhathi uyaphumelela, futhi impilo yakho kufanele ikhokhe konke noma ingxenye yesicelo sakho .
Ekugcineni, nakuba kubonakala sengathi ukulinganisela kwamandla kuqhathaniswa nabashuwalense, iziguli ze-thyroid zinezithuba zonke zokuthola amandla abathengi bezempilo. Umhlahlandlela wokuThuthukiswa kwabaPhezulu uTrisha Torrey uye wafaka iseluleko esihle kakhulu esihlokweni sakhe: I-Basics of Being an Empowered Consumer Carecare Consumer . U-Trisha naye unelungelo elihle kakhulu lezinsiza ku- Toolkit yakhe ye- Savvy Patients 'Toolkit online.