Shayela u-911 nge- ambulensi futhi kungenzeka ukuthi ube nesifo senhliziyo uma uthola umthethosivivinywa. Ama-ambulensi akakhululekile. Ziningi izindleko zokugcina emgwaqeni futhi zikhokhise okuningi ukuze zikuthole kusuka ephasini A ukuya ekhoneni B. Uzokhokha malini? Lona umbuzo cishe akekho oyokwazi ukukuphendula, ikakhulukazi hhayi izimo eziphuthumayo .
Umphakathi no-Private
Ngokungafani nokugcinwa komthetho kanye neminyango eminingi yomlilo , ama-ambulensi cishe asuke ayengabanikazi ngabanye njengoba kufanele abe yizinhlangano zomphakathi (njengomnyango womlilo noma umnyango wezempilo womphakathi).
Kungakhathaliseki ukuthi i-ambulensi agency ephendula ikholi yakho engu-911 iqhutshwa uhulumeni noma ibhange lokutshala izimali, cishe ngeke ukwazi ukutshela umehluko.
Ama-paramedics afana nabe asebenza kuhulumeni noma cha. Abazikhathaleli ngamabhilidi. Babakhathalela ukuphatha iziguli nokuthola abantu ezibhedlela ezifanele.
Futhi kungakhathaliseki ukuthi i-ambulensi yenzelwe inzuzo, engeyona inzuzo, noma inomphakathi, bonke bayokuthumela ibhilikhithi. Emanzini amaningi, ama-ambulensi yizinkomo zemali ezisiza ekusizeni ezinye izinsizakalo eziphuthumayo (noma kucatshangwa ukuthi zizosiza ngezezimali ngenkathi zingakusizi ngempela).
Izinkokhelo ngokuphathelene namaqoqo
Lo mthethosivivinywa uzoba mkhulu kakhulu. E-US, ama-ambulensi akhokha indlela engaphezu kokuqoqa. Yileyondlela ezweni lonke. Isizathu siyizinga lokuqoqa. Ikhamphani ye-ambulensi ingathumela izimali eziyi-10 ze $ 1,500 ngayinye. Izikweletu ezimbili zingase zikhokhwe ngokugcwele.
Omunye umthethosivivinywa uzokhokhwa yi-Medicare ngo-$ 450. Ezinye ezimbili nge-Medicaid ku-$ 105 ngayinye. Bonke abanye bangase bahambe bengatholakali ngoba isiguli asinaso umshuwalense noma ikheli lokuthumela umthethosivivinywa.
Uma imali engu-3,660 eyiyo yonke imali iqoqiwe futhi ihlukaniswa kuwo wonke amabhilidi e-ambulensi angu-10, umthethosivivinywa we-$ 1,500 uba iqoqo le-$ 366, cishe ngamaphesenti angu-24.4, akuwona wonke amabi.
Akusizwanga ukuthi yinkampani ye-ambulensi ukuqoqa amaphesenti angu-10 amabhilidi ayo, noma ngaphezulu. Lokhu akuyona into ehlukile kuma-ambulensi-kuyinkinga ekunakekelweni kwezempilo ngokujwayelekile.
Uma izinkampani ze-ambulensi zingenzi okwanele ekuqoqweni, kungani zingakhulisi amanani? Babengakwazi, kodwa abambalwa kuphela abakhokhayo bayokwenza umehluko. Uma ukhulise amaphesenti angu-10, ama-insurers abhizinisi kuphela abazokhokha imali egcwele. Ngakho emva kokukhokhisa u-$ 1,650 izikhathi eziyishumi, uzoqoqa u-$ 1650 kabili, u-R450 ohambweni lwe-Medicare no-$ 210 ukuze uthole izingcingo ezimbili ze-Medicaid. Imali ye-Medicare ne-Medicaid ihlelwe nguhulumeni, ngakho-ke ayikhathaleli ngempela ukuthi uyayikhokhisa kangakanani. Iziguli ezingaqinisekisiwe ezakukhishwa okokuqala zizobe zizinaki umthethosivivinywa uma ziphezulu ngamaphesenti angu-10.
Ngemuva kokuba konke kushiwo futhi kwenziwe, amaphesenti angu-10 ahamba ngezinkokhelo azokuthola imali engu-$ 300, okwenza isilinganiso sibe ngu-$ 396, namaphesenti angama-24.
Ukukhokhiswa okulukhuni
Ingxenye yalokhu okwenza le nto yonke ibe uhlobo olungenangqondo yilona inqubo yokukhokha. Ngeke ngikubelethe ngemininingwane, kodwa imithetho yokukhokhisa ingenye yamacrosoft voodoo kanye nezingxenye ezintathu zomthetho. Qala ngeSheduli ye - Medicare Fee eshicilelwe ngonyaka ngemindeni-ukuthi yiyiphi Imithi eyoyikhokhela-futhi ingeze ezinkampanini eziyinkimbinkimbi "zamanethiwekhi" abahlinzeki bezempilo bezebhizinisi.
Buza i-ambulance biller yezokwelapha ukuthi uchaze ukuthi usebenza kanjani. Ngibikezela ukuthi angeke akwenze ngendlela enengqondo. Bangakwazi ukukhokhisa, kodwa abakwazi ukukusho kalula. Yilokho oluyinkimbinkimbi. Ngenxa yalesi sizathu, abasebenzi basezimo eziphuthumayo abaphendula ucingo lwakho ngeke bakwazi ukuchaza lo mthethosivivinywa ngisho noma befuna.
Ezindleko Ukugijima
Kuphi konke lokho okuya khona, noma kunjalo? Ama-ambulensi amanani. Awufuni ukuba nomsebenzi wokwenza izimo eziphuthumayo ukubhekana nesimo esiphuthumayo sezempilo. Imithi kanye ne-EMT yiyingxenye ebiza kakhulu yempendulo. Ngokombiko oshicilelwe i-General Accounting Office, abasebenzi bezokwelapha benza amaphesenti angaba ngu-61 wezindleko zokusebenza zelo ambulensi.
I-Fuel, ukuqasha indawo, izindleko zokuphatha, ukugcinwa, nokunikezwa kwakha ingxenye enkulu yokunye.
Yengeza konke lokho ukuthi i-ambulensi ayisoloko isebenza izingcingo. I-ambulensi ingase ihambise isiguli kuphela emva kwamahora amathathu. Abaphathi be-ambulance babala inombolo ukuze babasize baqonde ukuthi le nkampani iqhuba kahle kangakanani. Hlukanisa inani lokuthutha ngenani lamahora ngamunye i-ambulensi isebenza. Lokho kubizwa ngokuthi Ukusetshenziswa Kwamahora Omunye (UHU) futhi uhlobo lwama-battling average.
Eqinisweni, isilinganiso esihle sokubheja sibheka ukuthi u-UHU omuhle ubheka kanjani; into engaba ngu-0.300 noma ngaphezulu. Indlela yokusebenzisa i-UHU ukubona ukuthi i-ambulensi ikwenza kanjani ukuyiphindisela ngokulinganisa okulinganiselwe ukuthi uhambo lwe-ambulensi lwenza ($ 366, kusibonelo sethu). Ngakho-ke, i-UHU yezingu-0.300 ezanda ngokuhamba uhambo lwe-ambulensi we $ 366 ingakunika imali engu-$ 122, yilokho i-ambulensi yethu eqanjiwe etholakalayo ngehora, ngaphansi kwabaningi odokotela. Ngaphandle kwalokho, zonke lezo izindleko kufanele zikhokhwe.
Izikhuthazo ezokuthutha
Ungase uzibuze ukuthi kungani ngiqhubeka ngibheka ukuhamba noma ukuhambisa iziguli. Kungenxa yokuthi yilokho okuwukuphela kwezinto eziqinisekisiwe zokufaka imali, kufaka phakathi izinkokhelo eziqhutshwa nguhulumeni wesifundazwe, ezokhokha. Abafihleli nje ngokuphatha iziguli. I-paramedic noma i-EMT ingafika esitelekeni sesiguli sokuxosha futhi yenza umkhondo we-Heimlich, ugcine impilo yakhe. Uma isiguli sinqume ukuhamba kahle futhi singadingi ukugibela esibhedlela, i-ambulensi esalondoloze impilo yakhe ayitholi idini.
Bangakwazi ukukhokha imali yokumsiza, futhi ama-ambulensi amaningi enza. Kodwa, iqiniso liwukuthi, izinkokhelo eziningi ngeke zikhokhe futhi ama-ambulensi amaningi ngeke aqhubeke nawo. Ngakho-ke, lapho izinhlangano ze-ambulensi zizenza izibalo ukuze zibone ukuthi ziningi kangakanani imali ezenzayo (noma ukulahlekelwa) zivele zingabonakali kulokhu okungewona ukuthutha.
Ngaphandle kokuthi ukuthutha kuyindlela kuphela yokukhokha, hhayi ukuthutha kuyindlela evamile kakhulu yokutholwa. Ukushiya isiguli endaweni yesimo esiphuthumayo (noma ngisho nokuphuthumayo okubonakalayo) kuyisenzo esiyingozi kunazo zonke umuthi wezokwelapha ongazithatha.
Ubufakazi bubonisa ukuthi izimo eziphuthumayo azizona izahlulelo ezinhle lapho isiguli singekho ogulayo. Ngakho-ke, kukhona ithuba lokuthi singalungile uma singathathi umuntu esibhedlela futhi asikho indlela esithola ngayo ngaphandle kokuthi sizithathele. Yini eyenza ingqondo, ukuthatha noma ukushiya?
Ongakwenza
Okokuqala, uma ucabanga ukuthi unesimo esiphuthumayo sezokwelapha, ukhohlwa umthethosivivinywa. Iya esibhedlela uphinde uthuthuke. Ngakolunye uhlangothi, uma ungabizanga 911 futhi ucabanga ukuthi uhlangabezana nesimo esiphuthumayo sezokwelapha, ungahlala uthatha u-Uber nje.
Uhlale unelungelo lokunqaba ukwelashwa . Ungakwenzi uma ugula ngempela, kodwa uma ufuna ukulondoloza imali futhi awudingi ngempela, njalo uzimisele ukuzimela.
> Imithombo:
> (2016). Gao.gov . Ibuyiselwe ku-27 Septemba 2016, kusukela ku-http: //www.gao.gov/assets/650/649018.pdf
> Amalungiselelo Okukhokha Ambulance - Amasevisi Wezokwelapha Nezokwelapha . (2016). Cms.gov . Ibuyiselwe ku-27 Septemba 2016, kusukela ku-https: //www.cms.gov/Medicare/Medicare-Fee-for-Service-Payment/AmbulanceFeeSchedule/index.html
> Brown LH, Hubble MW, DC Cone, Millin MG, Schwartz B, Patterson PD, Greenberg B, Richards ME. Izinqumo ze-paramedic zesidingo sezokwelapha: ukuhlaziywa kwe-meta. Prehosp Emerg Care . 2009-Oct-Dec; 13 (4): 516-27. i-doi: 10.1080 / 10903120903144809. Buyekeza.
> Narad RA, Gillespie W. Iphikisana nomphakathi ngasese: ukwehlukanisa amaqiniso avela kumagugu. Prehosp Emerg Care . 1998 Jul-Sep; 2 (3): 196-202.