Inshuwaransi ya Khansa: Zolepheretsa Kuphimba Khansa Yam’mapapo

Kuzindikira khansa ya m’mapapo kumakhudza munthu osati mwakuthupi komanso m’malingaliro. Mayesero okwera mtengo ndi mankhwala amathanso kukusokonezani ndalama, ngakhale mutakhala ndi inshuwaransi yazaumoyo. Ndalama zosayembekezerekazi zingayambitse nkhawa ndipo zingalepheretse odwala kutsata njira zopulumutsira moyo.

Kupeza inshuwaransi yazaumoyo kungathandize kuchepetsa ndalama zomwe mudzalipire pakusamalira khansa, zomwe zingaphatikizepo chemotherapy, radiation, opaleshoni, ndi mankhwala omwe mukufuna. Koma nthawi zambiri, odwala amayeneranso kulipira ndalama kuchokera m’thumba lawo. Ndalama zomwe mudzabwereke zimatengera mtundu wa inshuwaransi yomwe muli nayo komanso chithandizo chomwe mumalandira.

Nkhaniyi ikufotokoza momwe mipata yopereka chithandizo chamankhwala ingabweretsere zopinga kwa odwala khansa ya m’mapapo.

Zithunzi za Solskin / Getty


Zomwe Zimakhudza Kufunika kwa Inshuwaransi ya Khansa

Zinthu zambiri zidzakhudza kuchuluka kwa inshuwaransi yanu yaumoyo yomwe imakhudza khansa ya m’mapapo. Ndalama zotuluka m’thumba zimatha kusiyana kwambiri kuchokera kwa wodwala kupita kwa wodwala. Komabe, m’pofunika kudziwa kuti inshuwalansi siingakanidwe kapena kuimitsa chifukwa chakuti munthu wadwala khansa.

Private inshuwaransi vs general insurance

Anthu ambiri ku United States amapeza chithandizo cha inshuwaransi yazaumoyo kudzera m’njira ziwiri:

  • inshuwaransi payekhaMapulani amaperekedwa ndi eni bizinesi kapena ogulidwa ndi wogula payekha.
  • general insuranceZolinga izi zimaperekedwa kudzera mu pulogalamu yoyendetsedwa ndi boma, monga Medicare kapena Medicaid.

Mapulani a inshuwaransi yaumoyo ndi njira zopezera chithandizo zimasiyana, kotero kuti ndalama zanu zimadalira ndondomeko yanu. Zolinga zina sizidzakhudza:

  • Chithandizo cha khansa chosatsimikiziridwa
  • Chithandizo Chamankhwala Chosafunikira
  • Opereka omwe alibe netiweki

Malipiro anu (ndalama zomwe mumalipira pamwezi), zochotsedwa chaka chilichonse (ndalama zomwe mumalipira inshuwaransi yanu isanayambe), komanso kutuluka m’thumba (zochuluka zomwe mudzayenera kulipira pazithandizo zophimbidwa pachaka) zonsezi ndi zinthu zomwe zimathandizira zambiri mudzakhala ndi ngongole chifukwa cha chisamaliro chanu.

Mu 2022, ma inshuwaransi azaumoyo adafunsidwa koyamba kuti azidziwitsa odwala za mtengo wake asanapereke chithandizo. Kuphatikiza apo, malamulo apano amafuna kuti makampani ambiri a inshuwaransi azichepetsa ndalama zomwe odwala amawononga pachaka. Mwachitsanzo, kapu ya 2020 ya pulani yamunthu payekha inali $8,150.

Odwala khansa ya m’mapapo omwe alibe inshuwaransi yazaumoyo ali ndi udindo wonse wolipira chithandizo chawo chonse. Mapulogalamu aulere komanso otsika mtengo atha kupezeka kuti athandize anthuwa kuchepetsa ndalama zomwe amawononga. Kuphatikiza apo, odwalawa amatha kukambirana za kuchotsera ndi azaumoyo.

Kodi mavuto azachuma amachuluka bwanji posamalira khansa?

Kafukufuku wasonyeza kuti 25% -50% ya omwe adapulumuka khansa ali ndi vuto lazachuma.

siteji ya khansa

Gawo la khansa ya m’mapapo (momwe khansa yakula) ndiyofunikira pothandiza wothandizira zaumoyo wanu kupanga chisankho chokhudza chithandizo. Kuchiza khansa yochedwa nthawi zambiri kumakhala kokwera mtengo kuposa kuchiza khansa yoyambirira.

njira zamankhwala

Mtundu wa chithandizo chomwe mumalandira, kaya ndi opaleshoni, chemotherapy, radiation, mankhwala omwe mukufuna, kapena kuphatikiza kwa izi, kungakhudze mtengo wanu wonse. Kuonjezera apo, chiwerengero cha mankhwala omwe mukufunikira komanso kumene chithandizocho chikuperekedwa (monga chipatala motsutsana ndi ofesi ya wothandizira) ndizomwe mungapereke. Mayesero omwe amayesa kuyankha kwanu pamankhwala, monga kuyezetsa zithunzi kapena kujambula magazi, angakhudzenso mtengo wanu.

Chithandizo choyesera nthawi zambiri chimakhala chokwera mtengo ndipo sichikhala ndi inshuwalansi. Odwala omwe amatenga nawo mbali pamayesero azachipatala akhoza kukhala ndi mwayi wopeza mankhwalawa mwaulere.

Odwala opanda inshuwaransi

Asanayambe kukhazikitsidwa kwa Affordable Care Act (ACA), pafupifupi 18% ya anthu omwe sanakwanitse kulandira Medicare ku United States analibe inshuwalansi ya umoyo. Pofika chaka cha 2016, chiwerengero cha anthu osatetezedwa m’zaka izi chatsika kufika 10%.

Zolepheretsa chisamaliro choyenera

Anthu omwe ali ndi khansa ya m’mapapo angakumane ndi ndalama zosayembekezereka zokhudzana ndi chisamaliro chawo. Kaya ndi chifukwa cha kusowa kwa chidziwitso, kuchotsera kwakukulu, kapena kugwiritsa ntchito wothandizira kunja kwa intaneti, ngongole zikhoza kuwonjezeka.

Odwala ena angasankhe kuti mtengo wa chithandizo ndi wosayenera. Zowononga zaumoyo zingawalepheretse kulandira chithandizo chofunikira cha khansa, zomwe zingasokoneze malingaliro awo.

Kuphatikiza apo, kafukufuku akuwonetsa kuti zotsatira zake zimakhala zoyipa kwambiri kwa odwala khansa omwe alibe inshuwaransi poyerekeza ndi omwe ali nawo.

Odwala a khansa otsatirawa amakhala ndi vuto lalikulu lazachuma:

  • odwala achinyamata
  • anthu amitundu
  • odwala osaphunzira
  • Odwala omwe amapeza ndalama zochepa
  • Anthu omwe amafunikira chithandizo chamankhwala chovuta kwambiri kapena chapamwamba cha khansa

Mtengo wosamalira khansa ya m’mapapo

Malinga ndi Centers for Disease Control and Prevention (CDC), odwala khansa ya m’mapapo adalipira $ 1.35 biliyoni m’ndalama zazing’ono kuti alandire chithandizo mu 2019.

Zindikirani zomwe mungasankhe

Ngati muli ndi khansa ya m’mapapo, inshuwaransi yanu yaumoyo nthawi zambiri imakhala ndi mapulani achinsinsi kapena aboma. Kuti muyenerere kukhala ndi pulogalamu wamba, mungafunike kukwaniritsa zaka, ndalama, kapena zolemala.

Anthu ena amagula mapulani owonjezera, monga inshuwaransi ya khansa. Ndondomekozi zimalipira ndalama zambiri ngati mwapezeka ndi khansa.

Flexible savings accounts (FSAs) ndi Health Savings Accounts (HSAs) ndi maakaunti aku banki apadera omwe angakhalenso othandiza nthawi zina. Amapereka phindu la msonkho ndikukuthandizani kukonzekera ndalama zachipatala.

Njira ina ndi inshuwaransi ya tsoka. Ndondomeko yamtunduwu siyimawononga ndalama zomwe amawononga nthawi zonse koma zimathandiza ngati mwapezeka ndi matenda oopsa, monga khansa ya m’mapapo.

Kuphatikiza apo, odwala akhoza kulandira mankhwala aulere kapena otsika mtengo kudzera m’makampani opanga mankhwala ngati salipidwa ndi kampani ya inshuwaransi.

Chidule

Mapulani ambiri a inshuwaransi yazaumoyo amalipira zina mwazinthu zachipatala za khansa ya m’mapapo, koma mungafunike kulipira gawo lina lazomwe mukugwiritsa ntchito pochiza. Ndalama zomwe mumagwiritsa ntchito zimadalira momwe mumakhalira, momwe khansara yanu ilili, mankhwala omwe mumalandira, ndi zina. Mapulani a inshuwaransi aboma ndi achinsinsi amapereka maubwino osiyanasiyana. Ndikofunika kuti mufufuze ndondomeko yanu mosamala.

Mawu ochokera kwa Verywell

Kuzindikira khansa ya m’mapapo kumatha kukhala kovutirapo pazachuma. Ngati mukuvutika kulipira chithandizo chanu, mungafunike kupita kwa katswiri, monga katswiri wa oncologist, yemwe angakuthandizeni kusankha zomwe mungasankhe. Musataye mtima pa chithandizo chovuta kwambiri chifukwa mukuganiza kuti simungakwanitse. Mapulogalamu a chithandizo alipo okuthandizani kupeza chithandizo chomwe mukufuna.

Mafunso Ofunsidwa Kawirikawiri

  • Kodi ndingapeze inshuwaransi yazaumoyo ngati ndili ndi khansa?

    inde. Pansi pa Affordable Care Act (ACA), makampani a inshuwaransi yazaumoyo sangakane kukulipirani ngati muli ndi vuto lomwe linalipo kale, monga khansa.

  • Kodi inshuwaransi imateteza khansa ya m’mapapo?

    Chifukwa cha ACA, mapulani onse azaumoyo omwe amagulitsidwa pamsika wa inshuwaransi yazaumoyo ayenera kuphimba zopindulitsa zomwe zimafunikira kuchiza matenda akulu, monga khansa.

  • Nanga bwanji ngati inshuwaransi yanga ilibe khansa ya m’mapapo?

    Dongosolo lanu la inshuwaransi liyenera kuphimba zina mwazamankhwala anu a khansa ya m’mapapo. Komabe, muyenera kulipira ndalama zina kuchokera m’thumba. Kukonzekera ndi kukonza bajeti zolipirira izi kungakuthandizeni kukhala panjira yoyenera pazachuma.

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