Dokotala amalangiza wodwala za dongosolo lake la chithandizo

Malangizo opezera chithandizo chamankhwala chotsika mtengo popanda inshuwaransi

Mwina muli pakati pa ntchito kapena simunathe kupeza ndondomeko ya inshuwaransi yotsika mtengo panobe. Ngakhale kupeza inshuwaransi yachipatala kumalimbikitsidwa kwa aliyense, kumatha kukhala okwera mtengo ngati abwana anu sakulipirira. Kuphatikiza apo, kuyendetsa msika wa inshuwaransi yazaumoyo kumatha kukhala chipwirikiti komanso kuyamwa moyo. Pafupifupi 10% (PDF) ya aku America analibe inshuwaransi yazaumoyo mu 2020, ndipo ambiri alibe inshuwaransi yazaumoyo chifukwa sangakwanitse kapena sakuyenera kulandira thandizo lazachuma m’boma lawo.

Koma aliyense ayenera kupita kwa dokotala nthawi zina. ndiye mukutani?

Choyamba, mutha kulandira thandizo lazachuma la Medicaid malinga ndi momwe mulili komanso malo omwe muli, ndipo mutha kuyenereranso Medicare. Ngakhale mutayang’ana kale m’mbuyomu, ndikofunikira kuyang’ana kuyenerera kwa Medicaid ya dziko lanu popeza ikukulitsidwa m’maiko ambiri. Mukhozanso kudzaza pulogalamuyi kuti mudziwe mapulogalamu othandizira aboma omwe mukuyenera kulandira. Komanso, pali mapulani omwe alipo Njira zina za inshuwaransi yazaumoyo.

Ngati mapulaniwa sakukwanira, simudzasowa zosankha. Nazi njira zina zopezera chisamaliro chabwino mukamalipira m’thumba.

Werengani zambiri: The Affordable Care Act: Momwe Mungalembetsere komanso Liti

Dokotala amalangiza wodwala za dongosolo lake la chithandizo

Kukumbutsa gulu lanu losamalira kapena dokotala kuti mulibe inshuwaransi yazaumoyo kungathandize kupanga dongosolo lamankhwala lomwe silingawononge banki yanu.

Nkhani / Zithunzi za Getty

Gwiritsani ntchito chithandizo chodzitetezera komanso kuyezetsa kwaulere

Mizinda ina kapena ma pharmacies ali ndi zochitika zowonekera zomwe zimayesa magazi mosavuta kapena kufufuza thanzi. Yang’anirani zochitikazi ndikugwiritsa ntchito mwayi, chifukwa zingakuthandizeni kuyang’anira thanzi lanu ndikuyembekeza kuti mupewe maulendo ena a dokotala kapena chithandizo chamankhwala m’tsogolomu.

Mwachitsanzo, ku New York, dipatimenti ya zaumoyo m’boma imati imapereka kuyezetsa kwaulere kwa khansa ya m’mawere, ya m’mimba, ndi ya khomo lachiberekero kwa anthu amene alibe inshuwalansi m’boma. Ngati muli ndi vuto la thanzi lomwe mungafune kuti mufufuze, kusaka “kuyesa / kuyezetsa kwaulere pafupi ndi ine” si njira yoyipa yoyambira ngati pali mwayi wapafupi.

Nthawi zonse auzeni dokotala wanu ndi desiki lakutsogolo kuti mulibe inshuwaransi yazaumoyo

Ntchito za madotolo ndikusamalirani, ndipo izi zikuphatikizapo kuonetsetsa kuti mwapeza chisamaliro chomwe amalimbikitsa. Tisanalowe mwatsatanetsatane za komwe mungapite kukalandira chithandizo chamankhwala ndi nthawi yanji, ndi bwino kuuza aliyense amene akulembetsa kuti akuyembekezereni kuti mulibe inshuwaransi ndipo mulipira m’thumba lanu. Mwanjira iyi, atha kukupatsani njira zolipirira zomwe zilipo, zomwe zingaphatikizepo ndondomeko yolipirira kapena sikelo yolipira yam’manja ngati mukuyenerera.

Werengani zambiri: Ntchito zabwino kwambiri za telemedicine kukaonana ndi dokotala kunyumba

Gwiritsani ntchito telemedicine pachisamaliro choyambirira / kuyendera dokotala mwachangu

Telemedicine sikupita kulikonse. Ndipo kutengera Kodi ndingakuthandizeni Mutha kusunga ndalama mukapita kwa dokotala pa intaneti, mosasamala kanthu za inshuwaransi yanu.

Ngati mulibe inshuwaransi yazaumoyo, K Health ndi njira yabwino kwa anthu omwe amafunafuna chithandizo chamankhwala wamba. Kwa $35, mutha kupangana ndi dokotala kuti mukambirane zavuto kapena kuthana ndi vuto lomwe linalipo kale. K Health imanenanso kuti mutha kuyambitsa dongosolo la umembala pamwezi kuyambira $29 paulendo wopanda malire wa chisamaliro choyambirira.

Chomwe chimasiyanitsa K Health ndi mautumiki ena a telemedicine ndi chida chake chowunikira zizindikiro, chomwe chimakulolani kuti mulembe zizindikiro zanu zonse ndikuwona zina mwazodziwika bwino za anthu omwe ali ndi zizindikiro zofananira omwe adapeza kuti ali ndi matenda.

Njira ina yabwino ngati mulibe inshuwaransi yazaumoyo ndi Sesame, malo achindunji a telehealth kuti musungitse nthawi yokumana ndi dokotala pa intaneti (nthawi zina mpaka $20). Webusaiti yawo idapangidwa m’njira yoti amakulolani kuti mugulitse dokotala, komanso mutha kupanga nthawi yokumana ndi munthu payekha, ngakhale mtengo wamunthu ungakhale wokwera.

Mayi wodwala atakulungidwa mu bulangeti akuchezera telemedicineMayi wodwala atakulungidwa mu bulangeti akuchezera telemedicine

Ngati muli pakati pa mapulani a inshuwaransi, ntchito za telemedicine ndi njira yabwino komanso yotsika mtengo yothanirana ndi zovuta zanthawi yomweyo, monga kukonzanso mankhwala omwe mukudziwa kuti mukufuna.

Zithunzi za Westend61 / Getty

Pitani kuzipatala zakunja, gulani kuzipatala za charter

Ngati muli ndi vuto la thanzi lomwe limafuna chithandizo chamankhwala kuchokera kwa wothandizira omwe telemedicine sangathe kupereka, muyenera kugula zipatala zapafupi, zipatala za anthu ammudzi, kapena zipatala zofanana. Izi zitha kukhala zotsika mtengo kuposa kulipira m’thumba ku chipatala chapayekha kapena kuchipatala, koma muyenera kukhala okonzeka kulipiriratu. CVS Minute Clinic ndi chipatala chodziwika bwino chomwe sichadzidzidzi.

Zipatala za anthu ammudzi nthawi zambiri zimakhala ndi sikelo yolipira ngati simungathe kulipira ndalama zonse, koma mungafunike kubweretsa umboni woti ndinu oyenerera (monga ma voucha olipira). Mwamwayi, zipatala zina zamagulu zimakhala ndi ndondomeko ya “opanda odwala omwe amakanidwa chifukwa chosowa ndalama”, zomwe zimakhala zothandiza ngati simungakwanitse kulipira ndalama zilizonse. Mutha kusaka chipatala chokhala ndi masikelo otsetsereka mu bukhuli la federal. Zipatala zina zaboma zimaperekanso chindapusa.

Malo ena ammudzi adapangidwa kuti azithandizira magulu ena a anthu monga LGBTQ+, anthu osakhalamo, ngakhalenso oyimba. Ndikoyenera kuyang’ana kuti muwone ngati iliyonse ikugwira ntchito kwa inu.

Onani chisamaliro choyambirira chachindunji

Njira ina yachipatala yomwe ikupeza kutchuka ndi chisamaliro choyambirira chachindunji, komwe mumalipira wothandizira zaumoyo mwezi uliwonse m’malo mwa kampani ya inshuwalansi, zomwe zingakulolezeni kuti mukhale ndi ubale wozama ndi dokotala wanu komanso ngongole zotsika mtengo. Fomu iyi iyenera kugwira ntchito bwino kwa odwala ambiri omwe alibe inshuwaransi omwe amafunikira kukayezetsa pafupipafupi, koma mutha kukhala pamavuto pakuyezetsa kowonjezera kapena kutumiza, ngati pakufunika. Nawa mapu okuthandizani kupeza malo a DPC pafupi nanu.

Pitani kuchipinda chodzidzimutsa ngati kuli kowopsa

Ngati mwavulala kapena moyo wanu uli pachiwopsezo, imbani 911 kapena pitani kuchipatala chodzidzimutsa. Mosasamala kanthu za kuthekera kwanu kolipira kapena inshuwaransi yaumoyo, madokotala ali ndi udindo wopereka chithandizo kwa aliyense yemwe ali ndi vuto lachipatala. Ngakhale kuti ndalama zachipatala zingakhale zoopsa, thanzi lanu ndi lamtengo wapatali kuposa dola iliyonse.

Mukayang’ana kapena kutuluka, mutha kuuza desiki lakutsogolo kuti mulibe inshuwaransi ndipo angakuthandizeni kukhazikitsa ndondomeko yolipira. Muyeneranso kuwuza dokotala wanu kuti simunatsimikizidwe ngati mutasintha monga momwe akufunira nthawi yotsatila kapena ndondomeko ya chisamaliro chotsatira, ngati mukufuna.

ER chizindikiroER chizindikiro

Zithunzi za ER Productions Limited / Getty

Ngati muli ndi vuto lachipatala ndipo moyo wanu (kapena mbali ya thupi lanu) ili pachiwopsezo, pitani kuchipatala. Madokotala adzakhazikika ndikukuchitirani mosasamala kanthu za kuthekera kwanu pakulipira. Ngati muli ndi vuto lathanzi lomwe silikufunika mwachangu (komanso lofulumira kwambiri), malo operekera chithandizo mwachangu nthawi zambiri amakhala otsika mtengo kuposa zipinda zangozi, ndipo amatha kuchita zinthu monga sprains, mabala, ndi zowawa zosayika moyo.

Kambiranani mukalandira ndalama zachipatala

Ngati munalandira biluyo m’makalata ndipo munadabwa kuona zimene zinali mmenemo, imbani foni kuchipatala ndi kufunsa nkhani mwatsatanetsatane kapena onaninso mtengo uliwonse kuti mutsimikize kuti ngongoleyo inalipidwa kwa inu molondola. Ndiye, ngati simungakwanitsebe kulipira, muwone ngati angachepetse.

Ngati sangathe kutsitsa, funsani ndondomeko yolipira kuti ikhazikitsidwe. Auzeni zomwe mungathe komanso mukufunitsitsa kulipira, ndipo wina mu dipatimenti yolipira adzatha kukonza nkhaniyi nanu.

Fufuzani pasadakhale kuti musavomereze mayeso osafunikira

Masiku a WebMD apita: ngati mukudziwa momwe mungayang’anire, pali zambiri zokhudzana ndi thanzi labwino zomwe zikupezeka pagulu pa intaneti. Ndikofunika kuti musachite mantha mukapezeka ndi khansa mukamalemba zizindikiro za mutu wanu. Koma tafika patali mu 2022, ndipo ena mwa malangizo ndi kafukufuku wodziwitsa za matenda amakono ndi machiritso a matenda wamba ndikufufuza pa intaneti, ndi zolemba zochokera kumabungwe odziwika bwino azachipatala.

Mwachitsanzo, ngati mukufuna kupita kwa dokotala wachikazi, mutha kupeza zambiri pamitu yosiyanasiyana ya uchembere wabwino kuchokera ku American College of Obstetricians and Gynecologists, koleji yayikulu yazachipatala yomwe imathandiza kuwongolera mlingo wa chisamaliro chakuchita ma OB-GYN mwa ife. Bungwe la American Academy of Pediatrics limathandiza kuwongolera miyezo ya chisamaliro ku United States kwa akatswiri azaumoyo omwe amasamalira ana.

Zipatala zazikulu, monga Cleveland Clinic ndi Mayo Clinic, ndi zida zabwino zapaintaneti zomwe mungafotokozeretu pasadakhale nthawi yoti mukalandire chithandizo chamankhwala anu, kuti inu (kapena inu) musayesedwe. Mutha kuwona ngati njira ina yothandizira ingakhale yokwera mtengo koma yothandiza). US Preventive Services Task Force ndi bungwe lina lomwe mungatembenukireko kuti muyesedwe ndi chisamaliro chodzitetezera. Ndipo zomwe tonse tikudziwa za mliriwu: Bungwe la US Centers for Disease Control and Prevention likusintha mosalekeza malangizo ake okhudza matenda ndi thanzi la anthu.

Awa ndi ochepa chabe mwa magwero omwe amatengera chidziwitso chamankhwala chamakono. Mukamasaka pa intaneti, onetsetsani kuti mwayang’ana tsiku lomwe lili patsamba lomwe likuwonetsa tsiku lomwe nkhaniyo kapena tsambalo lidasindikizidwa komaliza. Makoleji ndi masukulu awa akuwongolera nthawi zonse malangizo azaumoyo ndi chidziwitso kuti awonetse kafukufuku watsopano wokhudza chithandizo cha odwala.

Zomwe zili m’nkhaniyi ndi zamaphunziro ndi zambiri zokha ndipo sizinapangidwe kuti zipereke uphungu wa zaumoyo kapena zachipatala. Nthawi zonse funsani dokotala kapena wothandizira zaumoyo woyenerera ndi mafunso aliwonse omwe mungakhale nawo okhudzana ndi matenda kapena zolinga zaumoyo.

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