Ukufunda i-EOB yomthengi - Incazelo yeziNzuzo

Uma unquma ukuthatha izinyathelo zokulawula izindleko zakho zezempilo, ukwazi ukufunda i-insurer yakho yezempilo, iMareyare noma amanye amaphepha ekhokha, okuthiwa i-EOB, Incazelo Yezinzuzo, ingaba usizo.

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Okuyisisekelo se-EOB - Incazelo Yezinzuzo

Kukhona izingxenye ezintathu zephepha ozodinga ukuqhathanisa.

1. Uhlu lwezinsizakalo ezenziwe. Lokhu kunikelwa kuwe uma usuka ehhovisi likadokotela noma endaweni yokuhlola.
2. Umthethosivivinywa udokotela noma isikhungo sezempilo uyakuthumela . Yiluhlu lwamasevisi avela ku # 1 ngenhla, namacala enkonzo ngayinye.
3. Incazelo yezinzuzo - i-EOB - evela kumkhokheli wakho (umshwalense, Medicare noma omunye umkhokheli). Lesi sihloko sichaza ulwazi ku-EOB yakho.

Phakathi kwezingxenye ezintathu zephepha, uzothola amagama namakhodi azokusiza ukuthi uqiniseke ukuthi ukhokhiswa kuphela ngezinsizakalo ezenziwa.

Okokuqala: Sizobheka izinsizakalo ezibalwe ku-EOB.

Ngenkathi u-EOB wakho umshwalense ngeke abukeke njengalokhu, izingcezu zolwazi zizofana.

Okokuqala, uzobona ulwazi oluningi lomuntu siqu njengezinombolo zakho zokufaka izicelo, izinombolo zeqembu nokuningi. Ngibasuse lapha.

Uzoqaphela igama lomhlinzeki. Yiluhlelo lwakho lokuqala lokusebenzisa ulwazi ngoba lukutshela ukuthi yiziphi izikweletu zakho zokudokotela ezizozihlanganisa nazo. Ngezinye izikhathi uzothola okungaphezulu kweyodwa kwe-EOB ngayinye yezikweletu zakho zezokwelapha.

Uhla lwezinsizakalo, amakhodi we-CPT, inani elikhokhwayo futhi livunyiwe kuzoba khona. Sizokuxoxa ngokuthi yiziphi lezi nokuthi zingasetshenziswa kanjani ezinyathelweni ezimbalwa ezilandelayo.

Olunye ulwazi olulutholayo luyoba yizibalo - kungakanani okukhokhisiwe, ukuthi umshwalense wakhokhelwa kanjani ngempela, nokuthi usetshenziswe kangakanani imali yakho.

"Ukukhokhelwa kuMhlinzeki" kusho ukuthi imali eningi ithunyelwe kudokotela.

"Okukhokhelwa Umsizi" kusho ukuthi bathumele isheke kuwe, futhi kukuthi ukhokhe udokotela.

Manje ake siphule i-EOB zibe izingxenye zayo.

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Ukuthola nokufaka amasevisi ngokuchaza kwakho izinzuzo (EOB)

Uzothola uhlu lwezinsizakalo, njengalokhu kubhilidi kadokotela wakho.

Uhlu lwezinsizakalo ezinikeziwe kungenzeka kube yimfihlakalo ngoba leyo migomo yamasevisi ingadideka.

Njengoba nje ungabheka ku-bill yakho kadokotela, ungabheka kusuka ku-EOB, futhi. Nansi indlela:

Ukuze ufunde ukuthi isichazamazwi sisho ukuthini, sebenzisa isichazamazwi sezokwelapha noma uhlu lwezivivinyo zezokwelapha.

Esikhathini esingenhla, ngingabheka amagama afana nalokhu:

"Panel Panel" okubukeka sengathi iyisivivinyo samazinga ami e-cholesterol.

"Ukuvulwa kwendawo yonke" okusho ukuqoqwa kwegazi kuphela

Ungathola ukuthi uthola okungaphezu kwe-EOB eyodwa kokuvakasha odokotela ofanayo. Uzofuna ukuqinisekisa ukuthi akekho izinsizakalo ezibalwe kabili ngokuvakashelwa okufanayo. Isibonelo, ungase ube negazi elidonsa ukuvakashelwa kokubili okuhlukene, kodwa ngeke ukwazi ukukhipha, futhi ukhokhiswe, kabili ngosuku olufanayo.

Uma unenkinga yokuhlanganisa izinsizakalo, ungasebenzisa amakhodi we-CPT.

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Ukufaka Amakhodi we-CPT Phakathi Nezikweletu Zakho Zezokwelapha kanye nama-EOB

Uma uqhathanisa izikweletu zakho zezokwelapha ku-EOB yakho, amakhodi we-CPT kufanele afane.

Lapho sibheka umthethosivivinywa wakho wedokotela , sithole amakhodi we-CPT njengamakhodi amadijithi ayisihlanu achaza isevisi ngayinye ehlinzekwe kuwe kusihlonzi sezinombolo.

Xhumanisa lapha uma ungathanda ukubuyekezwa amakhodi we-CPT nendlela yokuthola ukuthi yiziphi izinsizakalo ezimelelwa yiziphi amakhodi.

Uzosebenzisa lo msebenzi owenzayo ukuthola iresidi oyitholile kudokotela wakho, kanye nesibhuloti sikadokotela owawutholile, futhi. Kumele ukwazi ukuhlanganisa zonke izinsizakalo phakathi kwazo.

Okokugcina, ucezu lokugcina kolwazi ku-EOB luyintengo.

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Ukuthatha Ukubheka Izindleko Zesevisi noMbuyiselo Womhlinzeki

Okushiwo udokotela wakho, futhi lokho okukhokhwa yomshuwalense wakho, ngeke kube khona okufanayo. Ungaqhathanisa lezo zimali usebenzisa i-EOB yakho.

Inani lemali elikhokhelwa udokotela wakho ngomshuwalense wakho / ukhokha kuthiwa ukubuyisela imali . Uzobona ukuthi udokotela wakho ubuyiselwe yini ngumkhokheli wakho esigabeni esithi "Kuvunyelwe", njengoba kuchaziwe ngenhla.

Ngokujwayelekile, imali udokotela wakho akhokhisa ngayo ngezinsizakalo zakhe, njengoba kuboniswe kumthethosivivinywa wakhe naku-EOB, futhi imali oyikhokhayo ebuyisela leyo nsizakalo, njengoba kubonwe ku-EOB kuphela, kukhona izinto ezimbili ezihlukile. Ukubuyisela ngokuvamile kuvame ukukhokhwa kwedokotela.

Ungasebenzisa i-EOB ukuqhathanisa lezo zimali ezimbili. Uzofunda izinto ezimbili kulokhu:

• Lokho umshwalense wakho ukhokhelwe udokotela wakho (okubuyiswa) esikhundleni sakho. (Ungakhohlwa, ngokukhokhela izinkokhelo zomshuwalense, ukhokhele umshuwalense ukwenza lokhu.)
• Inani elingakhokhiwe kuyoba umehluko phakathi kweNani elikhokhisiwe kanye nemali evunyelwe. Ezimweni eziningi, ngaphandle kokuthi utshele ngokuhlukile umhlinzeki wakho ngaphambi kwesikhathi, lokho kusho ukuthi umehluko uzobe uthethelelwa (ngeke usuke uthola umehluko) ngoba angeke abuyele kuwe ukukukhokhela okunye. Kukhona okuhlukile - bheka ukukhokhiswa kwemali .

Amanye ama-EOB, kodwa hhayi wonke, azokukhombisa izilinganiso ku-akhawunti yakho. Isibonelo, uma usuvele ukhokhele ingxenye ye-deductible yonyaka wakho wokuhlanganisa, lokho kungabonakala ku-EOB yakho.