10 Nzira Dzakangwara dzekudzikisa Mabhiri Ako Ehutano Hwako

Zvemukati

• Ongororo ye

CO-PAYS. DEDUCTIBLES. ZVINHU ZVINODIRIRA ZVOKUBVA-POCKET. Zvinogona kunzwa sekunge iwe unofanirwa kubvisa account yako yekuchengetedza kuti ugare uine hutano. Hausi woga: Mumwe muvatanhatu vokuAmerica anoshandisa inosvika 10 muzana yemari yake yegore negore pamirayiro, miripo, uye kurapwa. "Vakadzi vazhinji vanofunga kuti mitengo iyi haigone kutaurirana," anodaro Michelle Katz, munyori we 101 Hutano Inishuwarenzi Matipi. "Asi zviri nyore kuchengetedza mazana emadhora pamabhiri ako gore rega rega nekutaura nachiremba wako kana kusarudza imwe hurongwa hweinishuwarenzi." Pano, dzidza kuti sei iwe uchibhadhara zvakanyanya-uye kuti ungadzorerei mari iyoyo muhomwe yako.

• Sarudza chirongwa nemazvo Kana yasvika nguva yekunyoresazve gore rino, usatarise bhokisi riri padyo nepolicy yako yazvino. "Ongorora zvakare chirongwa chako gore rega kuti uone kuti chinokwana zvaunoda," anodaro Kimberly Lankford, munyori we Iyo Inishuwarenzi Maze. Mubvunzo wekutanga waunofanirwa kubvunza ndeyekuti iwe unechiremba unodiwa here kana chirwere chinoda kutarisirwa nenyanzvi. Kana wapindura kuti hongu kune imwe, bheji yako yakanakisa inogona kunge iri imwe yeanobhadhara preferredprovider organisation (PPO) kana pointof-service (POS) zvirongwa, izvo zvinokupa rusununguko rwekushanyira chero chiremba, anodaro Lankford. Kazhinji, chiremba we-in-network anochaja madhora gumi kusvika kumadhora makumi maviri neshanu pakushanya; kunze-kwe-network MD's bhiri iwe ye30 muzana yemari yavo. Asi kana iwe uchingoona chiremba wako kashoma pagore, sangano rekuchengetedza hutano (HMO) rinogona kunge riri nani kukodzera. Izvi zvinopa kusarudzika kusarudzika kwechiremba kwemaprimamu akadhura uye vanobhadhara.

  Kana iwe uchizvishandira kana waunoshandira asingape inishuwarenzi yekurapa, tarisa mawebhusaiti senge ehealthinsurance.com, iyo inopa mutengo uye kufukidza kuenzanisa nehurumende. "Funga nezvezvakanyorwa zvako, zvaunoda nguva dzose zvekuchengetedza, uye hutano hwepfungwa uye mari yekuona," anodaro Lankford. "Uyezve funga kana urikuronga kuve nepamuviri mukati megore, nekuti haasi marongero ese anovhara izvo zvinodhura." Kana uchinge wanongedza masevhisi ese auchazoda, pwanya nhamba nekarukureta yepamhepo senge money-zine.com. "Usatyiswe nemitemo ine mari yakaderedzwa, mari yaunofanira kubhadhara kubva muhomwe usati wabhadharwa inishuwarenzi," anodaro Lankford. "Zvirongwa izvi zvine mapremium epamwedzi akachipa, saka anogona kunge akakosha kana zvaunoda pakurapa zvishoma."

  
  
• Bvunza bvunzo dzako "Vanachiremba havazive kuti ndezvipi zvikwangwani uye bvunzo zvinofukidzwa neinishuwarenzi yako," anodaro Katz. Kuti udzivise kushamisika kwemutengo, unza runyoro rwemaLabhu anotenderwa kumusangano wako wekutanga nachiremba mutsva. Uyezve tarisa neako inishuwarenzi mupi usati waronga chero marapirwo kana bvunzo, senge X-rays, MRIs, uye mazamu ultrasound; ungangoda kuwana mvumo yakanyorwa kana yemuromo zvisati zvaitika. Nyora pasi munhu wese waunotaura naye uye nguva uye zuva rawakataura, "anodaro Lankford." Nzira yemapepa yakakosha kana paine mibvunzo kana makakatanwa gare gare. "

• Bvumirana nachiremba wako Kana iwe uri kubhadhara zvikwereti zvako muhomwe, usanyara kana kunyara kukumbira chiremba wako kuti abvise mutengo. "Tsanangura mamiriro ako ezvinhu," anodaro Katz. "Iti iwe hausi mumambure angu, asi handingavimbi nemumwe munhu kuti aite izvi. Pane imwe nzira yaungandigadzirire mari yako here? " Zano iri rakashanda kuna Katz: Semudzidzi asina dhigirii asina dhigirii, akakumbira chiremba wezveuropiyo anozivikanwa munharaunda kuti arape musana wake wakakuvara. “Pandakatanga kuonana naye, ndakakurukura naye nyaya dzemari,” anodaro. Haana kungomuendesa kuchipatara chisingadhuri chete pakuvhiyiwa kwake, akabvumawo kuita oparesheni kwehafu yemari yake yaakajaira. Uyezve, akamubvumidza kubhadhara mari pamhedzisiro yemwedzi, achimuchengetera madhora zviuru gumi nemana. “Chinokosha kutanga ukama hwomunhu oga nachiremba wako nevashandi,” anodaro Katz, uyo anokurudzira kusvika nenguva nokuda kwokugadzwa kwako uye nguva dzose uchitaura kuonga kwako.
• Ziva zvekuita mune emergency Kana dambudziko rikaitika, mari yechipatara neyechiremba zvimwe ndizvo zvekupedzisira zvauri kufunga nezvazvo. Ndosaka zvakakosha kuti uongorore mutemo wako pamberi. "Tarisa kuti uone kana iwe uchida preapproval usati waenda kukamuri yekukurumidzira uye ona kuti zvipatara zvipi munharaunda yako zvinoonekwa senge innetwork uye chii chinoita emergency," anodaro Lankford (unogona kuwana ruzivo urwu mubhuku rako reinishuwarenzi kana pawebhusaiti yekambani. ). Uchazvidzivirira kubva kubhiri risingatarisirwi: Makambani einishuwarenzi ehutano anoramba makumi maviri muzana ezvese zvikumbiro zvekubhadhara zvechimbichimbi zvinoda mvumo yekutanga, maererano neongororo ichangoburwa yakaburitswa muAnnals of Emergency Medicine.

  "Kana zviri zvekukurumidza, usazeza kufonera amburenzi," anodaro Lankford. Asi kune asiri-anotyisidzira hupenyu, senge rakatyoka pfupa kana fivhiri iri pazasi pe103 ° F (kunze kwekunge uine kurwadziwa mudumbu, uko kunogona kuratidza appendicitis), kumbira shamwari kana nhengo yemhuri kuti ikupe rwendo kuenda kuchipatara.

  
  

• Ongorora bhiri rako rechipatara Vazhinji vakadzi vanoongorora zvirevo zvavo zvemakadhi echikwereti mwedzi wega wega, asi vashoma kwazvo vanongotarisa mavovovo avo echipatara. Asi vanofanira: Nyanzvi dzinofungidzira kusvika 90 muzana yemabhiri echipatara ane zvikanganiso. Usati wabuda, kumbira bhiri rezvinhu. "Kurapwa kwega kwega kwaunowana kunopihwa nhamba dzenhamba," anotsanangura kudaro Katz. "Saka mumwe munhu netsaona achinyora mukodhi isiriyo zvinogona kureva mutsauko wemazana kana zviuru zvemadhora." Usati waenda, tarisa bhiri rako kuti uwane chero zvipi nezvipi zvisina kujairika. Zvino, pane yako inotevera musangano, bvunza chiremba wako kana mumwe munhu pavashandi vake kuti aende pamusoro pechinhu chipi zvacho chausingazive.
• Bhadhara nemadhora emutero Vasingasviki gumi neshanu muzana vekuAmerica vanotora mukana weakaundi yekuchengetedza hutano (HSA) kana flexible spending arrangement (FSA), zvese zvinopihwa nevashandirwi. Izvi zvinoreva kuti vazhinji vedu tiri kurasikirwa nemari yemahara: Aya maakaundi anokubvumidza kuti ubhadhare mari yekurapa nemari yaunoisa parutivi kubva mubhadharo wako mutero usati wabviswa. Mhedzisiro: kuchengetwa kweanosvika makumi matatu muzana pamari yako yekutarisira hutano. Iwe unogona kutoshandisa maakaundi kubhadhara mari isingavharwe neinishuwarenzi yehutano, senge chiremba uye prescription co-pays pamwe nekugara muchipatara. Zvirongwa zvakawanda zvakare zvinoita kuti utenge contact lens solution, magirazi, Band-Aids, uye aspirin. Vazhinji vashandirwi vanopa chete imwe mhando account, ingave HSA kana FSA. Musiyano mukuru pakati pezviviri ndewekuti iwe unogona kutenderera pamusoro pemipiro yako yeHSA gore rega uye kubva kubasa kuenda kubasa. Asi neFSA, unorasa chero mari yasara muakaundi yako kana ukasaishandisa naKurume 15 wegore rinotevera kana ukachinja makambani.

  Kuti uwane fungidziro chaiyo yemari yako yekurapa, ongorora mashandisiro ako ane chekuita nehutano mukati memwedzi gumi nemiviri yapfuura, wobva wawedzera pane chero mari yakawedzerwa (mitsva yemishonga, semuenzaniso) yaunotarisira kuzounza mune ramangwana. "Asi ziva mupfungwa dzako kuti unofanirwa kuisa mafomu ekuti ubhadharwe, saka kana uchityisa pamapepa kana kubatirira kumatikiti, aya maakaundi anogona kunge asiri ako," anodaro Katz.

  
  

• Iva drugstore-savvy "Unogona kuchengetedza zvinosvika makumi matatu kubva muzana pamutero wako nekunyora generic," anodaro Steve Miller, MD, mukuru wezvekurapa weExpress Scripts, kambani yemishonga inobatsira-manejimendi iri muSt. Bvunza chiremba wako kana paine generic vhezheni yemishonga yaanenge achiraira. "Vane mhando dzakaenzana dzemhando yepamusoro nekuchengetedzeka semishonga yemazita ezita," anodaro. Kana pasati pave pamusika, bvunza MD yako kana paine imwe nzira isingadhure asi inoshanda zvakaenzana kumushonga waanenge achiraira. Kunyangwe kana chiremba wako akakupa emahara sampuro yemushonga, uchiri kukumbira iyo generic prescription: Kana mapaketi ekurumbidza apera, zvingangodaro kuti uchafanirwa kuita forogo pamusoro pemamwe mari, anodaro Miller. Muchokwadi, ongororo kubva kuYunivhesiti yeChicago yakawana kuti varwere vakagamuchira imwe chete yemahara sampu yechiratidzo-zita remushonga vakashandisa makumi mana muzana muzana kumushonga kwemwedzi mitanhatu kupfuura avo vasina kuiwana, pamwe nekuti vakaramba vachitenga mapiritsi epricier.

• Iva mupatsanuri wepiritsi "Mimwe mishonga inodhura zvakafanana mumitengo yakakwira uye yakaderera," anodaro Hae Mi Choe, Pharm.D., purofesa mubatsiri wekiriniki paYunivhesiti yeMichigan, Ann Arbor, Chikoro cheFarmacy. Kana iwe uri pamushonga, senge yeiyo cholesterol yakakwira, bvunza chiremba wako kana achigona kukunyorera mushonga wepiritsi yedhivhosi iwe yaunogona kucheka hafu kumba, anodaro Choe. Achangobva kuita chidzidzo chakawana varwere vanogona kuchengetedza kusvika makumi mashanu kubva muzana pamitengo yavo yemishonga nekungopatsanura mapiritsi avo. Asi izvi hazvishande kune zvese zvinodhaka. "Mamwe, akadai semacapsule, mapiritsi akaputirwa, uye mafomula ekuburitsa nguva, haafanire kutemwa," anodaro Choe. "Saka bvunza chiremba wako kana wemishonga kutanga." Kuita shuwa kuti iwe unogara uchitora chaiyo dosi, shandisa piritsi-kutsemura chishandiso, chinowanikwa kuzvitoro zvemishonga.

• Tsvaga chitoro chemishonga Maketani makuru akaita seTarget naWal-Mart vanotengesa mimwe mishonga, yakaita semishonga inorwisa mabhakitiriya uye mapiritsi ekuderedza cholesterol, nemari inosvika madhora mana chete pamazuva makumi matatu. Costco zvakare inozadza zvirevo pamutero (haufanire kunge uri nhengo kuti ushandise pharmacy yavo). Iwe unogona zvakare kubvunza MD yako kuti ikunyore tsamba yemwedzi mitatu, wozoiraira kuburikidza nepamhepo chemishonga inoenderana neyako inshuwarisi chirongwa kana yakazvimiririra, senge walgreens.com, drugstore.com, kana cvs.com. Asi ive shuwa yekuenzanisa-shopu: Vatsvagiri kubva kuCreighton University Chikoro cheFarmacy vakawana zita-zita reRx's rakachipa kana rikatengwa netsamba, asi zvinodhaka zvakajairika zvinogona kudhura zvakanyanya.
• Tora mukana wezvakavanzika zvakavanzika muhurongwa hwako Inishuwarenzi yako yehutano inogona kuvhara marudzi ese emasevhisi asiri echinyakare mahara kana pamutengo wakaderera, "anodaro Lankford (chiremba ari mune network kazhinji anoda kukupa mvumo zvisati zvaitika). Tarisa kuti uone kana yako ichipa zvidzikiso pa kana kubhadhara zvirongwa zvekurega kuputa, kuonda-kuremerwa kana kupa zano rekudya, kana nhengo dzejimu. Makambani einishuwarenzi mashoma, anosanganisira Aetna naKaiser Permanente, vari kutangawo kubhadhara dzimwe nzira dzekurapa, dzakaita sekubaya, kurapa, kukwiza massage, uye chiropractic.

Ongororo ye