Ukuqonda ityala lakho lesibhedlele

Ukuba ubusesibhedlele, uyakufumana ityala elibonisa uluhlu lweerhafu. Amatyala esibhedlele anokuba nzima kwaye adideke. Ngelixa kubonakala kunzima ukwenza, kuya kufuneka ujonge ngokusondeleyo kwityala kwaye ubuze imibuzo ukuba ubona into ongayiqondiyo.

Nazi ezinye iingcebiso zokufunda ityala lakho lasesibhedlele kunye neengcebiso zento onokuyenza xa ufumana impazamo. Ukujonga ngokusondeleyo kwityala lakho kunokukunceda wonge imali.

Ityala lesibhedlele liza kudwelisa ezona mali ziphambili kutyelelo lwakho. Uluhlu lwazo iinkonzo ozifumeneyo (ezinje ngeenkqubo kunye novavanyo), kunye namayeza kunye nokubonelelwa. Uninzi lwexesha, uya kufumana ibhilikhwe eyahlukileyo yemirhumo yababoneleli ngezempilo. Ingumbono olungileyo ukubuza ityala elipheleleyo lesibhedlele ngazo zonke izityholo ezichazwe ngokwahlukeneyo. Oko kunokukunceda uqiniseke ukuba umthetho oyilwayo uchanekile.

Ukuba unayo i-inshurensi, unokufumana ifom kwinkampani yakho yeinshurensi, ebizwa ngokuba yiNkcazo yeZibonelelo (i-EOB). Le ayisiyomali. Iyacacisa:

• Yintoni ehlawulwa yi-inshurensi yakho
• Isixa sentlawulo esenziweyo kunye nobani
• Ukutsalwa okanye ukuqinisekiswa kwemali

Ukuxhuzulwa yimali ekufuneka uyihlawule unyaka nonyaka ukukhusela iindleko zonyango ngaphambi kokuba i-inshurensi yakho iqale ukuhlawula. I-Coinshurensi sisixa ohlawula sona ukhathalelo lonyango emva kokuba udibene neinshurensi yakho yezempilo. Ihlala inikwa njengepesenti.

Ulwazi kwi-EOB kufuneka luhambelane nesibhedlele sakho. Ukuba ayenzi njalo, okanye kukho into ongayiqondiyo, tsalela inkampani yakho yeinshurensi.

Iimpazamo kwityala lakho lezonyango zinokukubiza imali. Ke lilungile ixesha lokujonga ityala lakho. Tshekisha ezi zinto zilandelayo ngononophelo:

• Imihla kunye nenani leentsuku. Jonga ukuba imihla yomthetho oyilwayo iyangqinelana na xa usesibhedlele. Ukuba wamkelwe emva kobusuku, qiniseka ukuba iintlawulo ziqala ngalo mhla. Ukuba uyakhululwa kusasa, jonga ukuba awuhlawuliswa amaxabiso apheleleyo egumbi lemihla ngemihla.
• Iimpazamo zamanani. Ukuba umrhumo ubonakala uphezulu kakhulu, jonga ukuba akukho zeros zongezelelweyo zongezwa emva kwenani (umzekelo, i-1,500 endaweni ye-150).
• Ukuhlawuliswa kabini. Qiniseka ukuba awuhlawuliswa kabini ngenkonzo efanayo, amayeza, okanye izinto ozithengisayo.
• Iindleko zamayeza. Ukuba uzise amayeza akho ekhaya, jonga ukuba awuhlawuliswanga. Ukuba umboneleli umisele ichiza elenziwe lafana nelo lenziwe ngumenzi, qiniseka ukuba awuhlawuliswanga ngohlobo lwegama lophawu.
• Imirhumo yokubonelela ngesiqhelo. Buza intlawulo ngezinto ezinje ngeiglavu, iigawuni, okanye iishiti. Kufuneka babe yinxalenye yeendleko zesibhedlele ngokubanzi.
• Iindleko zovavanyo lokufunda okanye ukuskena. Kuya kufuneka uhlawuliswe kube kanye, ngaphandle kokuba ufumana uluvo lwesibini.
• Umsebenzi ocinyiwe okanye amayeza. Ngamanye amaxesha, umboneleli uyalela iimvavanyo, iinkqubo, okanye amayeza athi acinywe kamva. Jonga ukuba ezi zinto azikho kwibhili yakho.

Ukuba uqhaqho okanye enye inkqubo, kuyanceda ukwazi ukuba isibhedlele sakho sihlawulise ixabiso elifanelekileyo. Kukho ezinye iiwebhusayithi onokuzisebenzisa ukukunceda ufumane olu lwazi. Basebenzisa iziseko zedatha zesizwe zeenkonzo zonyango ezihlawulisiweyo. Ufaka igama lenkqubo kunye nekhowudi yakho ye-zip ukufumana ixabiso eliqhelekileyo okanye eliqikelelweyo kwindawo yakho.

• Ukhathalelo lwempilo Bluebook - www.healthcarebluebook.com
• Impilo ye-FAIR- www.fairhealth.org

Ukuba intlawulo kwityala lakho iphezulu kunexabiso elifanelekileyo okanye liphezulu kunoko kuhlawuliswa zezinye izibhedlele, ungasebenzisa olu lwazi ukucela imali ephantsi.

Ukuba awuyiqondi intlawulo kwityala lakho, izibhedlele ezininzi zinabacebisi ngezezimali ukuze bakuncede kwibhili yakho. Banokukunceda ukucacisa umthetho oyilwayo ngolwimi olucacileyo. Ukuba ufumana impazamo, cela isebe lokuhlawula ukuba lilungise impazamo. Gcina ingxelo yomhla nexesha olibize, igama lomntu othethe naye, kunye nento oxelelwe yona.

Ukuba ufumana impazamo kwaye ungaziva ufumana uncedo olufunayo, cinga ngokuqesha ummeli wentlawulo yonyango. Amagqwetha ahlawulisa umrhumo weyure okanye ipesenti yemali oyigcinileyo ngenxa yovavanyo lwabo.

Ukuba awukwazi ukuhlawula ityala lakho elipheleleyo phambi komhla omiselweyo, unokukhetha. Buza isebe lokuhlawula amatyala esibhedlele ukuba unako:

• Fumana isaphulelo ukuba uhlawula yonke imali ezinkozo
• Bala isicwangciso sentlawulo
• Fumana uncedo lwezemali esibhedlele

I-American Academy yaBagqirha boSapho iwebhusayithi. Ukuqonda iindleko zakho zonyango. ifamilydoctor.org/isigqibo-bill-medical-bill. Ukuhlaziywa ngoJulayi 9, 2020. Ifikeleleke ngoNovemba 2, 2020.

Umbutho weZibhedlele zaseMelika. Ukuphepha ukumangaliswa kwiindleko zakho zonyango. www.aha.org/guidesreports/2018-11-01-ukuthintela-imimangaliso-iibhilikhwe zakho zonyango. Ukuhlaziywa kweyeNkanga 1, 2018. Ifikeleleke ngoNovemba 2, 2020.

Iwebhusayithi ye-FAIR yoMthengi wezeMpilo. Ulijonga njani ityala lakho lonyango. www.fairhealthconsumer.org/insurance-basics/your-bill/how-to-review-your-medical-bill. Kufunyenwe ngoNovemba 2, 2020.

• I-inshorensi yempilo