Yuav Ua Li Cas Txo Cov Nqi Them Thaum Muaj Xwm Ceev (nrog Duab)

Cov txheej txheem:

Yuav Ua Li Cas Txo Cov Nqi Them Thaum Muaj Xwm Ceev (nrog Duab)
Yuav Ua Li Cas Txo Cov Nqi Them Thaum Muaj Xwm Ceev (nrog Duab)
Anonim

Txawm hais tias qee thaj tsam hauv ntiaj teb muab kev saib xyuas kev noj qab haus huv dawb, ntau tus neeg tau tso tseg ua ntej qhov teeb meem uas lawv ntseeg tias tsim nyog mus ntsib tsev kho mob. Txhawm rau teeb meem txawm tias nyuaj dua, cov phiaj xwm sib txawv muab ntau hom kev pab them nqi, uas tuaj yeem ua rau nws nyuaj rau nkag siab tias muaj dab tsi npog thiab dab tsi tsis yog. Los ntawm kev siv cov lus hais tawm, thov kom txo qis, thov kev pab them nqi, thiab zam kev tsis zoo ib yam, koj tuaj yeem txuag nyiaj ntau ntawm koj li nuj nqi hauv chav xwm txheej ceev.

Cov kauj ruam

Ntu 1 ntawm 4: Leveraging nqe lus nqe lus

Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 1
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 1

Kauj Ruam 1. Nug lub tsev kho mob lub chaw them nqi rau nqe lus piav qhia

Tham nrog tus neeg them nqi hauv tus kws kho mob lub chaw haujlwm lossis tsev kho mob tus neeg saib xyuas cov nyiaj hauv tus neeg mob thiab nug kom muaj nqe lus piav qhia uas qhia meej tag nrho koj cov nqi kho mob ib tus zuj zus. Mus los ntawm txhua yam khoom thiab sib piv nws los piav qhia txog cov txiaj ntsig (EOB) los ntawm koj lub tuam txhab pov hwm kev pov hwm txhawm rau txheeb xyuas ib qho kev sau nqi kho mob yuam kev.

  • Hu rau koj tus kws tuav pov hwm kho mob kom piav qhia txog cov txiaj ntsig (EOB).
  • Yog tias koj tsis muaj kev ntseeg siab nrog koj cov txuj ci kev sib txuas lus, koj tuaj yeem ntiav tus kws tshaj lij pab tswv yim. Tshawb nrhiav cov neeg txhawb nqa nqi hauv koj cheeb tsam. Siv qhov chaw hauv qab no yog tias koj muaj teeb meem:
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 2
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 2

Kauj Ruam 2. Txheeb xyuas koj cov lus teev tseg rau qhov ua yuam kev

Ua ntej tshaj, txheeb xyuas tias koj tus lej cim (chaw nyob tus neeg tuav pov hwm kho mob, tus lej txoj cai, thiab tus nab npawb pab pawg) yog qhov raug. Tom qab ntawv, txheeb xyuas tias koj tau txais txhua yam khoom teev nyob hauv daim nqi. Thaum kawg, khaws qhov muag rau qhov sib tshooj yog lwm yam haujlwm tsis txaus ntseeg, xws li:

  • Them nqi rau chav tshwj xeeb thaum koj siv chav sib koom.
  • Them nqi rau qib kev pabcuam siab dua qhov koj tau txais.
  • Tshaj tawm hauv chav ua haujlwm (xws li lub sijhawm ua kom loog ntau dua li koj tau siv).
  • Tau raug them nqi rau pab pawg ntawm cov kev pabcuam raws li ib tus lej, thiab ib zaug ntxiv rau tib qhov kev pabcuam raws li lwm tus lej.
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 3
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 3

Kauj Ruam 3. Hu rau koj tus kws khomob thiab tshaj tawm ib qho yuam kev

Qhia rau koj lub tuam txhab pov hwm them nqi kho mob los ntawm koj daim nqi kho mob uas tsis nyob hauv koj li EOB. Koj lub tuam txhab pov hwm yuav tuaj yeem piav qhia lossis kho qhov yuam kev no nrog tsev kho mob ncaj qha.

Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 4
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 4

Kauj Ruam 4. Thov kev tshuaj xyuas los ntawm tsev kho mob lub tuam txhab them nuj nqi txhawm rau daws qhov ua yuam kev

Yog tias koj pom ib qho yuam kev ntawm koj daim nqi uas tsis tuaj yeem daws los ntawm kev hu mus rau koj tus neeg tuav pov hwm, npaj cov npe ntawm txhua tus nqi uas koj xav tau los sib cav. Xa nws mus rau lub tsev kho mob cov ntawv them nqi nrog rau kev sau ntawv thov mus kuaj tsev kho mob. Lawv muaj lub luag haujlwm raug cai los teb rau koj qhov kev thov.

Ntu 2 ntawm 4: Nug kom txo nqi

Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 5
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 5

Kauj Ruam 1. Ntiav tus neeg mob tawm tswv yim rau kev txhawb nqa (xaiv tau)

Txawm hais tias qhov no yog nyob ntawm yeem, cov neeg tawm tswv yim pab muab kev txiav txim siab rau koj, kev kho kom haum xeeb, thiab kev sib tham txhawb nqa los pab koj daws koj cov teeb meem kev noj qab haus huv.

  • Nrhiav tus kws lij choj zoo rau koj cov kev xav tau ntawm no:
  • Tus neeg mob tus neeg tawm tswv yim sib txawv nyob ntawm cov kev pabcuam koj xav tau, koj qhov chaw nyob nrog lawv, lawv kev paub thiab kev kawm, thiab sijhawm npaum li cas koj ua haujlwm ua ke.
  • Nug cov neeg txhawb nqa cov lus nug xws li: yam kev kawm thiab kev paub uas koj muaj? Ntev npaum li cas koj thiaj yog tus neeg tawm tswv yim ywj pheej? Koj puas yog Pawg Thawj Coj Saib Xyuas Neeg Mob Muaj Ntawv Pov Thawj (BCPA)?
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 6
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 6

Kauj Ruam 2. Thov kom daim nqi tsev kho mob qis dua los ntawm chav xa nyiaj

Nrhiav koj lub tsev kho mob lub vev xaib thiab nrhiav lawv daim ntawv them nqi/nyiaj txiag. Hu rau lawv thiab thov kom txo nqi. Yog thawj zaug hu tsis ua haujlwm, tsis txhob ua siab ntev thiab mob siab rau, vim nws yuav siv ob peb zaug kom tau txais tus neeg raug.

Kev tsis muaj ntawv pov hwm tuaj yeem qee zaum ua rau txo nqi tsis siv neeg, txawm tias koj muaj nyiaj tau los siab. Piv txwv li, yog tias koj khwv tau $ 100, 000 ib xyoos, koj tseem tuaj yeem tsim nyog tau txais kev pab yog tias koj cov nqi yog 50% ntawm koj cov nyiaj hli. Yog tias koj muaj nyiaj tau los tsawg, koj yuav tsim nyog tau txais kev txo qis tseem ceeb

Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 7
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 7

Kauj Ruam 3. Them ntau npaum li cas ntawm koj daim nqi tsev kho mob raws li koj tuaj yeem ua nyiaj ntsuab kom tau txais txiaj ntsig ntau dua

Thaum koj tuaj yeem sim sib tham tsis hais hom kev them nyiaj li cas, cov tuam tsev them nqi hauv tsev kho mob feem ntau yuav sib tham tau tus nqi yog tias koj them ib feem ntawm koj daim nqi ua nyiaj ntsuab ua ntej.

Nws tsis tau hnov dua los txo koj daim nqi los ntawm 5, 10, lossis txawm tias 20% los ntawm kev them nyiaj tshuav (lossis txawm tias ib feem ntawm nws) ua ntej-nyiaj ntsuab

Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 8
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 8

Kauj Ruam 4. Tshawb nrhiav tus nqi tsev kho mob hauv cheeb tsam thiab siv cov ntaub ntawv no los txhawb

Tshawb nrhiav tus nqi ntawm lwm lub tsev kho mob hauv cheeb tsam txhawm rau txiav txim siab tus nqi nruab nrab ntawm kev saib xyuas koj tau txais. Yog tias koj pom tias koj lub tsev kho mob tau them ntau dua, koj tuaj yeem siv nws li kev txhawb zog los sib tham tus nqi qis dua.

  • Kev Noj Qab Haus Huv Bluebook yog qhov chaw zoo uas muaj cov cuab yeej tshawb nrhiav dawb txhawm rau nrhiav cov nqi kho mob hauv koj thaj chaw. Mus ntsib nws ntawm no:
  • FAIR Health yog lwm qhov kev xaiv zoo sib xws. Mus ntsib nws ntawm no:
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 9
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 9

Kauj Ruam 5. Siv kev ntseeg siab, tus kheej cov lus thaum sib tham

Tsis txhob hnav ib ncig ntawm qhov teeb meem-ncaj ncaj mus rau lub ntsiab lus. Piv txwv li, yog tias koj tau tawm haujlwm tsis ntev los no, qhia rau lawv tam sim ntawd thiab nug seb lawv puas tuaj yeem txo tus nqi kom nce peev xwm.

  • Sim hais qee yam xws li, "Kuv tab tom nrhiav txo kom pab kuv them kuv cov nqi kho mob siv kuv cov peev txheej txwv."
  • Koj kuj yuav tsum tau sim: "Muab cov nuj nqis nruab nrab ntawm lwm lub tsev kho mob hauv nroog, kuv xav tias kev txiav tawm ntau dua li qhov ncaj ncees, tshwj xeeb yog xav txog kuv qhov poob haujlwm tsis ntev los no."
  • Koj tsis tas yuav muaj kev txhoj puab heev-tsuas yog ua koj qhov kev tshawb fawb thiab tsis txhob hla dhau los ua neeg tsis paub qab hau.
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 10
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 10

Kauj Ruam 6. Qhia koj lub siab lub ntsws kom tau txais txiaj ntsig

Cov nqi xwm txheej kub ntxhov tuaj yeem tsim kev nyuaj siab ntau, tab sis tsis txhob chim. Tsom ntsoov rau kev sib txuas lus ntawm koj txoj kev nyuaj siab uas tsis zoo li kev ua siab phem. Feem ntau cov thawj coj hauv tsev kho mob thiab cov neeg ua haujlwm tau txais txiaj ntsig zoo rau kev sib txuas lus no.

  • Hais ib yam zoo li "Kuv tabtom sim daws kuv cov nqi kho mob, tab sis kev ntxhov siab ntawm kuv tus txij nkawm tsis zoo thiab ua haujlwm ua rau nws nyuaj rau tsom mus."
  • Kev thov rau tus kws kho mob egos kuj tuaj yeem ua haujlwm. Qhia tias koj xaiv lub tsev kho mob vim tias koj tau hnov txog kev saib xyuas zoo tshaj plaws uas nws muaj.
Txo Cov Nqi Them Nqi Thaum Muaj Xwm Ceev Kauj Ruam 11
Txo Cov Nqi Them Nqi Thaum Muaj Xwm Ceev Kauj Ruam 11

Kauj Ruam 7. Nco ntsoov khaws cov ntaub ntawv ntawm koj kev sib txuas lus

Khaws cov ntaub ntawv ntawm kev sib tham nrog ob tus neeg ua haujlwm them nqi thiab cov tuam txhab pabcuam pov hwm kev pabcuam. Sau lub npe ntawm tus neeg ua haujlwm, lawv qhov chaw nyob, thiab tus xov tooj siv txhua lub sijhawm koj tham nrog ib tus neeg txog cov nqi kho mob. Kev khaws cov ntaub ntawv sib txuas lus ua kom yooj yim dua los txiav txim rau leej twg thiab yuav muab cov ntaub ntawv zoo li cas thaum koj taug qab 2 txog 3 lub lis piam tom qab.

Khaws koj tus kheej cov ntaub ntawv tseem yuav pab cov kws kho mob paub tias koj tau ua tiav koj cov kev tshawb fawb

Ntu 3 ntawm 4: Thov Kev Pab Them Nqi

Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 12
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 12

Kauj Ruam 1. Nug cov tuam tsev them nqi tsev kho mob txog lawv cov kev xaiv pab

Ntau lub tsev kho mob, tshwj xeeb yog cov tsis tau txais txiaj ntsig, muab cov phiaj xwm pab nyiaj txiag rau cov tib neeg uas nyuaj rau them nqi kho mob. Cov kev xaiv no tau tsim los rau cov tsis muaj kev pov hwm, nrog rau cov tib neeg uas muaj ntawv pov hwm tab sis tshuav nuj nqis ntau dua li lawv cov phiaj xwm npog.

Yog tias koj muaj ntawv pov hwm tab sis nws tsis npog txaus, koj tuaj yeem ua tau zoo rau kev pab. Qhov no feem ntau yuav muaj cov nyiaj tau los qis dua thiab muaj nuj nqis siab dua

Txo Cov Nqi Them Nqi Thaum Muaj Xwm Ceev Kauj Ruam 13
Txo Cov Nqi Them Nqi Thaum Muaj Xwm Ceev Kauj Ruam 13

Kauj Ruam 2. Nug lub tsev kho mob cov ntawv them nqi txog 0% kev them rov qab

Feem ntau cov tsev kho mob muab cov phiaj xwm them nyiaj tsis muaj paj laum rau tus nqi txo ntawm tag nrho cov nqi. Txawm hais tias lawv yuav tsis txo koj daim nqi, lawv tuaj yeem nthuav tawm nws lub sijhawm dhau los kom koj tsis txhob siv nyiaj txiag loj li ntawd ib zaug.

  • Cov phiaj xwm them nqi kho mob tsis zoo li txiav tawm raws li qiv nyiaj lossis credit card. Thaum qhov no tuaj yeem ua haujlwm zoo rau koj, nws tseem tuaj yeem ua rau koj muaj nuj nqis ntau yog tias koj tsis ua txhua yam.
  • Nco ntsoov tias qee qhov ntawm cov phiaj xwm no yuav raug nqi ntau rau koj nyob rau lub sijhawm ntev. Ib txwm nyeem cov ntawv luam zoo thiab yog tias koj tsis meej pem, ntiav tus neeg mob tawm tswv yim.
Txo Cov Nqi Them Nqi Xwm Ceev Kauj Ruam 14
Txo Cov Nqi Them Nqi Xwm Ceev Kauj Ruam 14

Kauj Ruam 3. Tham nrog koj tus kws kho mob thiab thov kom txo nqi

Kev txo nqi tuaj yeem txo cov nqi los ntawm qhov tseem ceeb yog tias koj muaj hmoo. Piv txwv, qee tus kws kho mob yog ib feem ntawm tsev kho mob sib txuas uas muab cov nyiaj txo rau qee yam kev xaiv them nqi, xws li kev them nyiaj hauv xov tooj.

  • Ib txwm nug koj tus kws kho mob txog kev txo qis. Muaj kev xaiv ib txwm, tab sis koj ib txwm yuav tsum tau nug ua ntej.
  • Thov kom txo nqi ua ntej txoj kev npaj them rov qab. Yog tias koj daim nqi raug txo, koj tseem tuaj yeem thov rau txoj kev npaj them rov qab, vim qee zaum koj tsim nyog rau ob qho tib si.
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 15
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 15

Kauj Ruam 4. Thov nyiaj pab kev siab hlub hauv koj cheeb tsam

Feem ntau lub xeev muaj Cov Nyiaj Pab Kev Ncaj Ncees, uas yog lub hom phiaj los pab cov neeg uas tsis tuaj yeem them tus nqi kho mob yam tsis tau npaj tseg. Nug koj lub tsev kho mob kom xa koj daim nqi mus rau Xeev Lub Chaw Pabcuam Nyiaj Txiag.

  • Yog tias ib tus neeg ua rau koj muaj teeb meem lossis tsis tau hnov dua txog Xeev Lub Chaw Haujlwm Pabcuam Nyiaj Txiag, hu rau koj tus Xeev tus sawv cev thiab nug lawv kom nrhiav rau koj.
  • Cov ntaub ntawv tiv toj tus neeg sawv cev hauv Xeev tau teev tseg ntawm no:

Ntu 4 ntawm 4: Zam Kev Pitfalls Feem ntau

Txo Cov Nqi Them Nqi Thaum Muaj Xwm Ceev Kauj Ruam 16
Txo Cov Nqi Them Nqi Thaum Muaj Xwm Ceev Kauj Ruam 16

Kauj Ruam 1. Ua ntej rau cov chaw saib xyuas mob sai rau qhov tsis muaj xwm txheej ceev

Rau kev raug mob xws li mob pob txha, txiav me me, thiab kub taub hau, siv lub chaw saib xyuas mob sai sai es tsis txhob siv chav kho mob xwm txheej ceev. Cov chaw no feem ntau muab tus nqi qis rau txhua qhov kev kho mob-xwm txheej ceev lossis tsis yog.

Nyob nruab nrab ntawm 2005 thiab 2006, tus nqi nruab nrab rau kev mus ntsib xwm txheej ceev tsuas yog $ 156. Rau chav kho mob xwm txheej ceev, kev mus ntsib tib yam raug nqi $ 570

Txo Cov Nqi Them Nqi Xwm Ceev hauv Kauj Ruam 17
Txo Cov Nqi Them Nqi Xwm Ceev hauv Kauj Ruam 17

Kauj Ruam 2. Nug koj tus neeg tuav pov hwm kom xa cov ntaub ntawv teev nqi tam sim no

Cov vev xaib lossis phau ntawv qhia uas teev cov ntaub ntawv pov hwm kev pov hwm pov tseg qee zaum dhau los, uas yog vim li cas koj thiaj li yuav tsum tau thov tus kheej feem ntau hloov tshiab tam sim no. Txiav txim siab ntau npaum li cas koj yuav tsum tau them rau kev saib xyuas xwm txheej ceev, ntev npaum li cas koj yuav tsum nyob twj ywm rau cov nqi no kom raug zam, thiab cov tsev kho mob hauv cheeb tsam twg lees txais koj li ntawv pov hwm.

  • Sib tham nrog lub chaw them nqi ntawm koj lub tsev kho mob uas koj xaiv thiab txiav txim siab seb lawv cov kws kho mob chav kho mob nkeeg puas tau them los ntawm koj li phiaj xwm kev pov hwm.
  • Thaum muaj xwm txheej ceev tshwm sim, koj tuaj yeem siv cov ntaub ntawv hais los xaiv lub tsev kho mob pheej yig tshaj raws li qhov koj qhov kev pab them nqi kho mob.
  • Qhia meej tias koj li phiaj xwm txhais li cas "kev kho mob tsim nyog tsheb thauj neeg mob." Qhov no feem ntau yuav suav nrog cov xwm txheej thaum koj tsis nco qab, los ntshav hnyav, lossis mob hnyav.
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 18
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 18

Kauj Ruam 3. Tsis txhob them nqi tawm-ntawm-network tam sim

Txhua lub sijhawm koj tau txais kev saib xyuas mob hauv chav xwm txheej ceev, koj yuav zoo li yuav tau txais cov nqi sib cais los ntawm txhua tus muab kev pabcuam sab nraud ntawm koj li kev tuav pov hwm network. Ib txwm tos kom txog thaum koj tau txais cov lus piav qhia txog cov txiaj ntsig (EOB) nqe lus los ntawm koj tus neeg tuav pov hwm.

  • Sib piv cov nuj nqis thiab EOBs kom ntseeg tau tias koj tau txais tag nrho cov kev pabcuam sau tseg. Koj kuj yuav tsum tau lees paub tias txhua tus kws kho mob uas xa cov nqi nyob sab nraum koj li phiaj xwm.
  • Ib txwm nug koj tus neeg tuav pov hwm yog tias lawv yoog raws ntawm kev them koj cov nqi sab nrauv. Koj tseem tuaj yeem nug kws kho mob yog tias lawv txaus siab los sib tham, lossis nug koj tus neeg tuav pov hwm kom ua li ntawd rau koj.
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 19
Txo Cov Nqi Them Thaum Muaj Xwm Ceev Kauj Ruam 19

Kauj Ruam 4. Ua ntawv tsis txaus siab yog tias koj cov kws kho mob tsis hloov pauv tau

Yog tias koj tus tuav pov hwm lossis tus kws kho mob tsis hloov pauv txaus, koj tuaj yeem ua ntawv foob. Nug koj tus kws kho mob thawj zaug rau tsab ntawv lees paub qhov xav tau ntawm koj chav kho mob xwm txheej ceev.

  • Siv Patient Advocate Foundation rau kev taw qhia-lawv tsis pub dawb. Mus ntsib lawv ntawm no:
  • Sau npe kev pab los ntawm kws tshaj lij pab tswv yim yog tias koj txaus siab them tus nqi lossis ib feem ntawm kev them nyiaj rov qab.

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