Ka taea e koe te putea ki nga putea hauora, nga mano, tae noa ki nga tekau mano o nga moni neke atu i te mea kua tohua.
Mena kei te hiahia to taakuta ki a koe ki te utu i te toenga e toe ana i runga i te pire i muri i te utu ki a koe i to moni , i te utu , i te tiwhikete ranei, kua utua e to kamupene inihua he aha te mea ka utua ki te utu, ka tohatoha koe.
I etahi wa ka tika te tuku nama , me etahi wa kaore he ture. Me pēhea te whakahaere i a koe ka whakawhirinaki ki te kaore he putea ture ranei.
Ki te mea kei a koe te pauna i tukuna i te Harakore
Kaua e utua te waahanga-a-nama o te putea hauora mēnā kei te whiwhinga koe i te kirikiri-ture. I etahi wa, he nui te putea ture, tae atu ki te hara, te whiu. He maha nga huarahi mo te whakautu mehemea ka whakaaro koe kei te tukuna koe i te ture:
- Korero ki te kaiwhakarato hauora me te matapaki i te take. I tenei huarahi, e tino homai ana e koe ki to kaiwhakarato te painga o te ngakau ruarua, me te whakaeke i te take mehemea he mea noa te hapa nama. Whakamāramatia he aha te take kaore koe e paahitia te utu nama i roto i tenei take, a ka ui ki te kaiwhakarato kia whakatika i te hapa nama.
- Mena kaore to korero ki te kaiwhakarato kaore e whakatika i te raruraru, amuamu ki to kamupene inihua, Medicare, Medicaid ranei, nga mea katoa e whakaratohia ana e koe. Korero atu ki te kamupene inihua kei te paahitia koe, a ka tono kia whakauru koe mo a koe. Mena kei a koe Medicare me Medicaid, whakapä atu ki te Center for Medicare me te Ratonga Medicaid.
- I tua atu, ka whakawakia e koe te mana whakahaere mo te kaiwhakarato hauora. I roto i te take o te rata, ko tenei pea te Poari Poari o to rohe. Kimihia nga korero whakapiri mo te Poari Poari Whakahaere o ia takiwa i konei. Whakaratohia nga korero mo te mana whakahaere ture mo nga hohipera o ia kawanatanga mai i te Coalition Patient Empedered. Mena ka mohio koe kaore koe e tika ana kia tukuna e koe e to kaiwhaiwhai hauora, whakawakia ki te Tari Tari Ingarangi o to rohe.
Ki te mohio koe i mua atu Ka taea e koe te Whakatau i te Moni Whakatau
Tuatahi, ngana ki te aukati i te putea pauna na roto i te noho i-whatunga me te whakarite kia tiakina e nga kamupene inihua nga ratonga e whiwhi ana koe. Mena kei te whai koe i nga hihi x, MRI, CT tirotiro, te PET ranei, kia mohio ko te whare whakaahua me te kaiwhakahaere radiologist ka panui i to papahuhura kei roto i-whatunga. Mena kei te whakamahere koe ki te mahi pokanga, ui atu mehemea kei roto i te whatunga te hunga anesthesiologists.
Mena ka mohio koe kei te whakamahi koe i te kaiwhakarato-waho-whatunga, i te kaiwhakarato ranei e kore e whakaae ki te mahi Miihini, kei a koe etahi waahanga. Engari, kaore tetahi o enei e ngawari, me nga mea katoa e hiahia ana kia whiriwhiria.
Inoia he utu mo nga utu a te kaiwhakarato. Muri iho, ui atu ki to kaihoko mo nga mea e whakaarohia ana mo te utu tika me te tikanga mo tenei ratonga. Ko te whakautu ki tenei ka kaha, engari kia kaha.
Kia mohio koe ki nga mea ka utua e to kaiwhakarato me te aha e utua ana e to kamupene inihua, ka mohio koe he aha te tawhiti o nga tau me te aha o te raruraru moni. Ma enei korero, ka taea e koe te whakaiti i te waahi. E rua noa nga huarahi hei mahi i tenei: kia tukuna atu e to kaiwhakarato he iti iho, ka tuku atu i to kaihoko ki te utu atu.
A ani i te kaiwhakarato mehemea ka whakaaetia e ia te utu o te kamupene inihua me te utu tikanga kia utua katoatia.
Ki te penei, whiwhi i te kirimana i roto i te tuhi, tae atu ki te waahi kaute-nama.
Mena kaore e whakaaetia e te kaiwhakarato te utu tika me te utu ritenga mo te utu, ka timata koe ki te mahi i to kaiwhaiwhai. Tonoa atu ki to kaihoko kia whakanui ake i te moni e karanga ana ratou he tika, he tikanga hoki mo tenei take. Whakaatuhia he tautohe tautohetohe ma te whakaatu i te take he nui ake te uaua, te uaua, te wa-roa ranei o to keehi ki te hamani i te wawaotanga toharite kei te whakatakotohia e te kaitohu tona utu whaitake me te tikanga.
Ko tetahi atu mahinga ko te tono i to kaihoko kia whiriwhiria he kirimana kotahi-take ki to kaiwhakarato o waho mo tenei ratonga motuhake.
I etahi wa ka whakaae ratou mo tetahi kirimana mo te keehi kotahi mo te moni e utua ana e te kaiwhaiwhai i nga kaiwhakarato-whatunga. I etahi wa ka whakaae ratou ki tetahi kirimana mo te keehi kotahi i runga i te utu whakahekenga ka whakaaetia e to taakuta mai i nga kamupene inihua kei mua ia ia. Ko, i etahi wa ka whakaaetia e ratou tetahi kirimana mo tetahi keehi mo te paheketanga o nga utu kua utua. Nga mea katoa o te kirimana, kia mohio kei roto i te waahana nama-nama-kore.
Mena ka ngaro ngaa waahanga katoa nei, ka taea e koe te tono ki te kaiwhaiwhai kia hipoki i tenei mahinga-waho-whatunga ma te whakamahi i to raatau whakawhitiwhiti-rorohiko. Ahakoa e kore e taea e tenei kaipupuri te utu nama, ka utua e te kaipupuri he utu nui atu o te pire mai i to waahi mo te ratonga-whatunga he iti ake i te tiaki i waho.
Mena kei te whai koe i tenei waahanga, me whakaatu he tautohe tautohetohe ki te aha e pai ai te mahi a te kaiwhaiwhai kia rite ki te-whatunga. Hei tauira, kaore he kaitautoko i roto i-whatunga i kitea i roto i to mahinga mahi whakawhitinga tino, i nga rahinga whakareatanga o nga kaitoro-rorohiko i-whatunga he tino nui atu i nga waahanga o-waho-whatunga.
Ki te kore koe e kite i te raruraru tae noa ki te wa kua riro ia koe te tiaki
Ko te whakawhitiwhitinga i muri mai i te waahanga kua paahitia e koe he pire whakatau ture ka nui atu te uaua, engari kei a koe tonu nga waahanga.
Ka taea e koe te whiriwhiringa i te waahi kaute-toha ki to kaiwhakarato. Kia mahara, kei te hiahia to kaiwhakarato ki te utu, ka pai ki te tiki wawe i tana moni, me te kore e utua tetahi wahi o taua kaunihera ki tetahi kaitohu kohinga. Koinei te tikanga ka whakaae tetahi kaiwhakarato ki te whakaiti i te moni katoa i utua ki te utu whakahekenga i whakawhiwhia e ia i nga kamupene inihua kei roto i tana-whatunga me, ki te whakaae koe ki te utu i to wahanga tonu. Ranei, ka whakaaetia e te kaiwhakarato tetahi waahanga o te toenga e toe ana hei utu i te katoa ki te whakaae koe ki te utu i te moni tonu. Ka tuku etahi ki a koe ki te whakarite i tetahi mahere utu.
Ka taea e koe te whakarite me to kaiwhaiwhai. Mena kua utua e te kaihoko te utu o waho i te whatunga i runga i te utu whaitake me te tikanga, ka uaua koe ki te tuku i tetahi tono taangata mai i te mea kaore i tino whakautu te kaikerëme i to kereme . Kua utua e koe taau kerēme, engari i te tau o waho-whatunga. Engari, me tono ano kia arotakehia. E hiahia ana koe ki to kamupene inihua ki te arotake i te whakatau ki te tirotiro i tenei hei tiaki i waho-whatunga , a ka hipokina e ia hei tiaki i te whatunga. Ka angitu ake koe ki tenei huarahi mehemea he take hauora, he take tuuturu hoki koe mo te whiriwhiri i tetahi kaiwhakarato-waho-whatunga.
Mena ka whakaaro koe kua tukinotia koe e to kamupene inihua, me whai i to tukanga whakataunga mo te whakautu whakautu a roto i to mahere hauora. Ka taea e koe te tiki korero mo te tukanga whakatau whakapae a te kaiwhaiwhai i roto i to pukapuka pukamahi, mai i to tari tari tangata ranei. Mena kaore tenei e whakatau i te raruraru, ka taea e koe te amuamu ki te Tari Inirangi a to rohe. Kimihia nga korero whakapiri mo to Tari Tari o te Ini ma te panui i to ahuatanga i runga i tenei mahere.
Mena kei te whakahaerehia e koe te mahere hauora, te tikanga ko te kaitukumahi ko te hinonga e tino utua ana nga putea hauora, ahakoa ka whakahaerehia e te kamupene inihua te mahere, kaore pea te mahere hauora e hinga i raro i te mana o te tari umanga o to rohe. Ko nga mahere takitahi kua utua i raro i te mana o te Tari Whakahaere Ratonga Pakihi a te Tari Mahi Reipa. Te tiki atu i nga korero mai i te pae tukutuku awhina a te EBSA ranei, ma te karanga i tetahi kaitohutohu painga EBSA i te 1-866-444-3272.