Kukura neMS: 7 Matipi Ekufamba Munyika Yehutano Inishuwarenzi

Zvemukati

• 1. Tsvaga kana iwe uchikodzera kuwana yemahara inishuwarenzi yehutano
• 2. Ona kana uchigona kuwana rubatsiro kubva kuhurumende
• 3. Ratidza kuti yakawanda sei kufukidzwa kwaunoda
• 4. Tarisa kana chiremba wako ari pachirongwa
• 5. Ona kana masevhisi ako akafukidzwa
• 6. Wongorora chirongwa chehurongwa
• 7. Wedzera mari yako yese yekubuda muhomwe
• Tora woenda nazvo

Zvinogona kuve zvakaoma kufamba nechirwere chitsva semunhu mukuru wechidiki, kunyanya kana zvasvika pakutsvaga inishuwarenzi yehutano. Nemutengo wakakwira wekutarisira, kuwana chaiko kufukidzwa kwakakosha.

Kana usati watovharwa pasi pechirongwa chevabereki vako kana chevashandirwi, ungangodaro uchitsvaga kufukidzwa muHutano Inishuwarenzi Musika, kana kubva kune inishuwarenzi broker Pasi peiyo Affordable Care Act (ACA), zvirongwa zvemusika hazvigone kukuramba kana kubhadharisa yakawanda yekuvhara kana iwe uine chirwere senge MS.

Zvimwe zvirongwa zvinogona kuve nemitengo yakabhadharwa kana madhiri.Kana iwe ukasangwarira, unogona kupedzisira wabhadhara zvakati wandei kumisangano yechiremba nemishonga kupfuura zvawaitarisira.

Heano matipi manomwe ekuti ungafambisa sei dzimwe nguva inonyengera nyika yeinishuwarenzi yehutano.

1. Tsvaga kana iwe uchikodzera kuwana yemahara inishuwarenzi yehutano

Inishuwarenzi inogona kudhura, kunyanya pamubhadharo wekupinda-chikamu. Izvo zvakakodzera kuti utarise kuti unokodzera here Medicaid. Iyi federal uye yenyika chirongwa chinopa hutano inishuwarenzi kufukidza pamudiki kana pasina mutengo kwauri.

Pasi peAACA, makumi matatu neshanu, kusanganisira Washington, DC, vakawedzera kukodzera kwavo kusanganisira yakawanda mari yemari. Kunyangwe iwe uchikodzera zvinoenderana nedunhu raunogara.

Kuti uone kana iwe uchikodzera, shanyira Medicaid.gov.

2. Ona kana uchigona kuwana rubatsiro kubva kuhurumende

Kana iwe usingakwanise kuwana Medicaid, unogona kugadzira cutoff yechirongwa chinobatsira nemari yeinishuwarenzi yehutano. Hurumende inopa rubatsiro nenzira yemabhizimusi, mutero, uye kuderedzwa kwekugovana-mari paunotenga chirongwa kubva kumusika wako wenyika. Rubatsiro rwemari urwu runogona kudzikisa zvakanyanya maprimiyamu uye kunze-kwehomwe mari.

Kuti ukwanise kuwana maprimiyamu akaderedzwa, unofanirwa kuwana pakati pe $ 12,490 ne $ 49,960 (muna 2020). Uye kuti uwane rubatsiro neako unobvisirwa mari, makopi, uye kusimbiswa kwemari, unofanirwa kuita pakati pe $ 12,490 ne $ 31,225.

3. Ratidza kuti yakawanda sei kufukidzwa kwaunoda

IAACA ine zviyero zvekuvhara: ndarira, sirivheri, goridhe, uye platinum. Iyo yakakwira iyo nhanho, zvakanyanya chirongwa chichafukidza - uye zvakanyanya zvichizokubhadharira iwe mwedzi wega. (Rangarira, iwe unogona kuchengetedza mari pamabhizimusi pamatanho ese kana iwe uchikodzera rubatsiro rwemubatanidzwa.)

Zvirongwa zveBronze zvine maprimiyamu akaderera pamwedzi. Ivo zvakare vane akakwirisa anoderedzwa - marii yauchazobhadhara kurapwa uye mishonga chirongwa chako chisati chatanga. Zvirongwa zvePlatinamu zvine maprimiyamu epamusoro emwedzi, asi anovhara zvese zvese.

Izvo zvirongwa zvebronze zvakagadzirirwa vanhu vane hutano avo vanongoda inishuwarenzi yehutano kana paine njodzi. Kana iwe uri pane regimen yeMS zvinodhaka, iwe ungangoda yepamusoro tier chirongwa. Funga kuti iwe unobhadhara zvakadii kurapwa uye kurapwa paunosarudza danho

4. Tarisa kana chiremba wako ari pachirongwa

Kana paine chiremba wawave uchiona kwemakore, ita shuwa kuti vakafukidzwa nehurongwa hweinishuwarenzi yehutano. Zano rega rega rinosanganisira vamwe vanachiremba nezvipatara. Vamwe vanachiremba vanoonekwa sevanze-kwe-network, uye vanozokubhadhara zvakanyanya pakushanya.

Tarisa kumusoro vese varapi uye nyanzvi dzauri kuona izvozvi uchishandisa chirongwa chepamhepo chekutsvaga chekushandisa. Zvakare, tarisa kumusoro kwako chipatara chaunofarira. Kana vanachiremba vako uye chipatara vasiri mu-network, ungangoda kuramba uchitsvaga rimwe zano.

5. Ona kana masevhisi ako akafukidzwa

Nemutemo, chirongwa chega chega muHutano Inishuwarenzi Musika Pamusika chinofanirwa kuvhara gumi dzakakosha masevhisi. Izvi zvinosanganisira zvinhu zvakaita semishonga inonyorerwa, bvunzo bvunzo, yekushanya kwemakamuri echimbichimbi, uye kurapwa kwevarwere.

Ndeapi mamwe masevhisi akafukidzwa anosiyana kubva pakuronga kuronga. Nepo kushanya kwegore negore nachiremba wako wekutanga wekuchengeta achifanira kunge ari pane ese marongero, zvinhu zvakaita sekurapa pabasa kana rehab zvinogona kusabatanidzwa.

Marii yauchabhadhara masevhisi inogona kusiyana zvichienderana nekambani yaunosarudza. Uye mamwe marongero anogona kudzikamisa huwandu hwekushanyirwa iwe kwaunowana nenyanzvi senge varapi vemuviri kana vezvepfungwa.

Tarisa pane webhusaiti yehurongwa kana kubvunza inishuwarenzi rep kuti uone yayo Summary yeMabhenefiti uye Coverage (SBC). Iyo SBC inonyora ese masevhisi anorongedzwa nechirongwa, uye kuti yakawanda sei yainobhadhara kune yega yega.

6. Wongorora chirongwa chehurongwa

Imwe neimwe yehutano inishuwarenzi chirongwa chine mushonga formulary - rondedzero yemishonga iyo yainofukidza. Zvinodhaka zvakaiswa muzvikamu zvinonzi tiers.

Chikamu chechipiri chinowanzo sanganisira generic mishonga. Chikamu chechina chine hunyanzvi zvinodhaka, kusanganisira zvinodhura monoclonal antibodies uye interferon anoshandiswa kurapa MS. Iyo yakakwira iyo chikamu cheiyo mishonga iwe yaunoda, zvakanyanya iwe zvaungave uchifanira kushandisa kunze kwehomwe.

Tarisa chega chega chemishonga yauri kutora izvozvi kurapa yako MS uye mamwe mamiriro. Ivo vari pachirongwa chemafomula? Ndeapi mativi avari?

Zvakare, tsvaga kuti ungabhadhara zvakadii kana chiremba wako akaraira mushonga mutsva uyo usiri pane fomu yechirongwa.

7. Wedzera mari yako yese yekubuda muhomwe

Kana zvasvika kune yako ramangwana rezvehutano mitengo, maprimiyamu inongova chikamu chepuzzle. Bvisa karukureta yako paunenge uchienzanisa zvirongwa, kuti usazoshamiswa nemabhiri makuru gare gare.

Wedzera kumusoro:

• premium yako - iyo mari yauchabhadhara yehutano inishuwarenzi mwedzi wega
• yako inobvisirwa - yakawanda sei yauchazobhadhara kumasevhisi kana mishonga chirongwa chako chisati chatanga kupinda
• yako yekubhadhara mari - iyo mari yauchabhadhara kune mumwe nemumwe chiremba uye nyanzvi yekushanya, MRIs nedzimwe bvunzo, nemishonga

Enzanisa zvirongwa zvekuona kuti ndeipi ichakupa iyo yakanyanya kubatsirwa pamari yako. Paunonyoresa zvekare muchirongwa chepamusika gore rega rega, pfuura nemuitiro uyu zvakare kuti uve nechokwadi chekuti iwe uchiri kuwana chibvumirano chakanakisa.

Tora woenda nazvo

Kusarudza kambani yeinishuwarenzi yehutano idanho hombe, kunyanya kana uine mamiriro anosanganisira bvunzo dzinodhura uye kurapwa, senge MS. Tora nguva yekunyatso fungisisa zvaunogona kuita. Kana iwe ukavhiringidzika, fonera imwe neimwe inishuwarenzi uye bvunza mumwe wevamiriri vavo kuti vataure kuburikidza nezvakanakira chirongwa newe.

Kana iwe ukasazopedzisira wave kufarira chirongwa cheinishuwarenzi chehutano iwe chaunosarudza pakupedzisira, usavhunduke. Hausati wakanamatira nayo nokusingaperi. Iwe unogona kushandura hurongwa hwako panguva yekuvhurika yekunyoresa nguva gore rega, izvo zvinowanzoitika mukupera kwekudonha.