No te mea kaore he kaiwhakarato e whiwhi i to inihua hauora e kore e kiia ko te--whatunga
Mena he mahere HMO, PPO, EPO, ma POS ranei, ko te tiaki i waho o te whatunga kaiwhakarato o to mahere ka taea e koe te nui atu moni atu i te noho i-whatunga. Engari, kaore i te mea ngawari ki te whakaaro mehemea ko te kaiwhakarato e kite ana koe i te-whatunga, i waho-whatunga ranei me to inihua hauora, ina koa kaore e taea e koe te noho ki to rorohiko ka toro atu ki to paetukutuku mahere .
Mena kei te whakarite koe i tetahi huihuinga me tetahi kaiwhakarato hou, ka taea e koe te tirotiro tonu i tona mana whatunga ki mua i to whakatau me te whakakore i te whakaritenga ki te kitea e koe i waho-o-whatunga. Engari, ki te whiwhi koe i te hauora hauora, kaore koe e hiahia ki te tango i te wa ki te tirotiro mehemea kaore he kaiwhakarato kei te kaiwhakarato koe e whakamahi ana. Ka taea e tenei ahua te ara ake i te wa e tiaki ana koe i tetahi pokapū tiaki urupare, he whare haumanu haere, he whare haumanu hokohoko, a, ahakoa kei te whiwhi koe i te mahi X-ray, mahi mahi ranei kei te haere mai koe i te tari o te taote.
I enei wa, ka whakamatautauria koe ki te ui ki te kaiwhakarato, "E tango ana koe i te umanga hauora XYZ?" Ka whakahokia mai e te kaitohutohu, "Ae," e hiahia ana koe ki te whakaaro kei te whakamahi koe i te kaiwhakarato-whatunga. Engari, ka taea e koe te kuware, me te hapa ka taea e koe te waahi nui. No te mea ka whakaaetia e te kaiwhakarato o to inihua hauora ehara i te mea ko te--whatunga me to mahere hauora.
He aha te Whakaae i to Kaaatau Hauora Miihake
Ki tetahi kaiwhakarato hauora, te whakaae i to huahua hauora hauora
- Ka tukuna he kerēme ki to mahere mahere hauora.
- Ka whakaaetia e ia tetahi moni ka utua e to mahere hauora.
- Ka utua e ia mai i to mahere mahere mo to pire.
Ehara i te mea ko te mea he kaiwhakarato-whatunga me to mahere hauora.
Ko te tikanga, kaore he kaiwhakarato e uru ki roto i te whatunga me tetahi mahere hauora, engari ka ahei tonu te whakaae ki nga momo hauora hauora katoa.
He Mema Maatau Te Mea I roto i te Whatunga
A, no te he kaiwhakarato hauora i roto i-whatunga, he tikanga nui atu i te reira ka farii i to koutou inihua hauora. Te tikanga
- Ka whakahonoretia nga reiti kua tohatohahia e to mahere mahere mo te hauora.
- Ka whakaaetia e koe te utu o to mahere hauora me to rehitatanga , tohatoha , me te tangohia ranei hei utu-katoa .
- Kaore e taurite-putea koe mo te ratonga-whatunga, mahere ratonga mahere hauora.
- Mena he raruraru ki te moni kua whakaaetia e to mahere mahere hauora mo te ratonga i whakawhiwhia ki a koe, ka puta te take ki te mahere hauora, kaua ki a koe.
- Kua paahitia e koe te tukanga tuuturu o to mahere hauora e uru mai ana i nga mea e rite ana ki te tohu mātauranga me te tiwhikete raihana me te arowhai i te kounga.
- Ka tukuna he kerēme ki to mahere mahere hauora.
- Ka whakaaetia e ia tetahi moni ka utua e to mahere hauora.
- Ka utua e ia mai i to mahere mahere mo to pire.
He aha te pai ake o te kaiwhakarato I-Whatunga Atu i te Kaiwhakarato Kaore e whakaae ana ki a koe
Na, ka mohio koe kei te whatunga me te whakaaetanga o to mahere hauora ehara i te mea kotahi, me mohio koe he aha te pai o te whai-i-whatunga ki te tango i to raihana hauora.
Ina whakamahi koe i te kaiwhakarato-whatunga, he maha nga tiaki kei a koe i te wa e whakamahi ana koe i te kaiwhakarato-waho-whatunga e whakaae ana ki to inihua hauora.
Ka taea e tetahi kaiwhakarato o waho te whakawhiti i nga mea e hiahiatia ana mo ana ratonga. Mena kei te hiahia tetahi taakuta-a-whatunga ki te pire ia koe $ 5,000 mo te haerenga torotika, ko tana mahi; Ka taea e ia te mahi ahakoa he ahua kino. Engari, he kirimana he kaiwhakarato i-whatunga me to mahere hauora e whakaatu ana i te rahi o te utu mo ana ratonga. Kaore tetahi kaiwhakarato-whatunga kaore e whakaaetia kia whakawhiwhi koe ki a koe i tua atu i te utu kua tohua e to mahere hauora mo aua ratonga.
Ka utua e to mahere hauora tetahi wahi iti o te pire mo te kaiwhakarato-waho-whatunga kaore e utua mo te ratonga kotahi i roto i te whatunga. Ko te tikanga, kaore etahi mahere hauora e utu i te utu mo te tiaki i waho-whatunga.
Mena ka utua e to mahere hauora mo te tiaki i waho-whatunga, ka 20% pea te utu mo nga ratonga-i-whatunga engari 50% te waahi mo nga ratonga-waho-whatunga. Ahakoa ko te 50% o te kohinga moni, kaore tenei tikanga ka utua e te mahere hauora 50% o te putea-waho-whatunga. Ka utua anake e 50% o te moni kua whakaaetia. Kei te kaha koe ki te utu atu i te 50% o te moni whakaaetanga me te wahi katoa o te pire ka nui atu i te moni kua whakaaetia. Ako atu mo tenei i roto i te " Me pehea te Taatau i Nga Utu mo Nga Mahi-waho-Mahi-Mahi i te Math ."
Engari ko te mea nui ake, ko te tangohanga o waho-whatunga ka nui atu i te tangohanga mo te tiaki i-whatunga. Ko nga moni e utua ana e koe mo te tiaki i waho-whatunga kaore i te nuinga o nga tau e pa ana ki to raraunga-whakawhitinga. Ko nga moni e utua ana e koe mo te tiaki i waho-whatunga kaore i te nuinga o nga tau e pa ana ki to moenga o waho , ahakoa. Me ako atu ano mo enei take i roto i " He aha Me Mema Ki I Te Whakaaunga I Te Whakaoranga-O-Whatunga " me te " He aha te Kaore e Tae ki to Tautuhinga O-Waitohu? "
Me pehea te mohio kei te whakamahi koe i te Kaiwhakarato In-Whatunga
E toru nga huarahi hei whakarite kei te whakamahi koe i te kaiwhakarato-whatunga. I etahi wa ka whakamahi koe i te neke atu i te kotahi. I etahi wa ka nui te kotahi.
- Tirohia te paetukutuku o to mahere hauora.
- Karangatia to mahere mahere me te ui. Ko te tau kei muri o to kaini inihua hauora.
- Tonoa atu ki to kaiwhakarato mehemea kei roto i-whatunga me to mahere hauora.
Ahakoa te tirotiro i to paetukutuku o te mahere hauora he maha nga huarahi tere me te tere ki te rapu i nga kaiwhakarato kei roto i te whatunga me te kore, ko te paetukutuku a te mahere hauora kei te waahanga pai o te pepa pai i raro o te rarangi o nga ratonga rorohiko . E korero ana te mea mo te hua o, "Ahakoa e kaha ana matou ki te pupuri i tenei rarangi ka tika, kaore pea e whakaatu mai i nga whakahou hou ki to taatau whatunga. Titiro tonu ki to kaiwhakarato kia mohio kei te raatau tonu-i te whatunga. "Mo tenei take, he whakaaro nui ki te ui ki te kaiwhakarato i mua i to ratonga, ahakoa kua tirohia e koe te mana o te kaiwhakarato me te paetukutuku a to mahere.
Ako atu
He waahi ka taea e to mahere mahere hauora te hiahia ki te utu i tetahi putea hauora i waho i te whatunga me te mea kua whakamahia e koe he kaiwhakarato-whatunga.