Kusamalira Banja Langa

Pamene ndikulemba izi, ndikukhala pafupi ndi mwamuna wanga, yemwe akudwala chibayo. Anayamba kumva chisoni pafupifupi sabata yapitayo. Ulendo umodzi wopita kuchipatala mwachangu komanso ulendo wopita kuchipinda chodzidzimutsa unawonetsa kuti ali ndi vuto la chibayo. Ndi mwezi wachiwiri wokha wa chaka, ndipo tapeza kale ndalama zathu za inshuwaransi. Tikawonjezera opaleshoni yomwe mwana wanga akuyenera kuchita mwezi wamawa, tidzakhala titakwanitsa chaka chonse chomwe sitingathe. Banja langa lili ndi zovuta zachipatala zomwe zimatipangitsa kuti tikwaniritse malire awa. Kwa ena, sangafikire ngakhale deductible yawo. Komabe, ndikofunikira kudziwa zonse za dongosolo la inshuwaransi ya banja lanu. Ndikofunikiranso kumvetsetsa mawu ena a inshuwaransi yazaumoyo, omwe mungaphunzire zambiri healthcare.gov/sbc-glossary/.

Chifukwa cha zopinga zina zachipatala zomwe tazitchulazi, akatswiri osiyanasiyana amationa nthaŵi zonse. Ngakhale tikadali ndi copay, deductible, kapena ndalama zina zowonjezera zomwe tili ndi udindo, ndalama zomwe tasunga pokhala ndi inshuwalansi ya umoyo ndizosawerengeka. Zomwe sindingathe kuyeza ndi kuchuluka kwa nkhawa, nkhawa, komanso kafukufuku wapaintaneti zomwe ndikadayenera kuchita ndikanakhala kuti ndilibe inshuwalansi ya banja langa. Tikudziwa kuti banja langa likakhala ndi vuto ladzidzidzi (lomwe lakhalapo ambiri), sitiyenera kuzengereza kupeza chithandizo chachangu. Ngakhale kuti nthawi zambiri zimatitengerabe kanthu, makamaka ngati sitinafike pamlingo wokwanira m'thumba lathu pachaka, zingatiwonongere ndalama zochepa kwambiri ndi inshuwaransi kuposa popanda.

Sinthawi zonse munthawi yamavuto pomwe ndimayima ndikutenga kamphindi kuthokoza chifukwa cha inshuwaransi. Ndi kuchuluka kwa mankhwala omwe banja langa limamwa, titha kutsegula sitolo yaing'ono. Nthawi zambiri, mankhwalawa amatha kugula madola mazana ambiri kapena kuposerapo popanda inshuwalansi. Ma inhalers, maantibayotiki, ma steroid, zinthu zonsezi zomwe zimapatsa ana anga moyo wabwinoko, womasuka, nthawi zina zimatha kuwononga ndalama zambiri kotero kuti anthu ambiri opanda inshuwaransi amasiya kudzaza. Chifukwa tili ndi inshuwaransi, timatha kupeza mankhwala oyenera a ana anga akamawafuna.

Inshuwaransi ikhoza kukhala chinthu chovuta kumvetsetsa, ndi matanthauzo ambiri osiyanasiyana ndi zochitika zoyipa kwambiri / zabwino kwambiri. Koma ndikulimbikitsa aliyense kuti azichita mosamala poyang'ana zomwe mapulani awo a inshuwaransi amaphimba. Ngati ndinu membala wa Colorado Access ndipo muli ndi mafunso okhudza kufalitsa kwanu, tili ndi gulu labwino kwambiri lomwe lingakuthandizeni kudutsa mafunso anu onse. Ngati mukufuna thandizo kupeza wothandizira amene amavomereza Health First Colorado (pulogalamu ya Colorado Medicaid) kapena Child Health Plan Plus (CHP +), titha kuthandizanso ndi izi! Mutha kutiyimbira pa 800-511-5010. Tabwera kukuthandizani kumvetsetsa mapindu anu ndikupereka chithandizo chamankhwala pamtengo womwe tonse tingakwanitse.