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Funda kabanzi apha

Ukukhathalela Usapho Lwam

By ULauren R

Ngoku ndibhala oku, ndihleli ecaleni komyeni wam, osebenza ngendlela yakhe kwinyumoniya. Waqala ukuziva kakubi malunga neveki edlulileyo. Utyelelo olunye kukhathalelo olungxamisekileyo kunye nohambo oluya kwigumbi likaxakeka lubonakalise ukuba une-pneumonia embi. Yinyanga yesibini kuphela enyakeni, kwaye sele sifikelele kwi-inshorensi yethu yokutsalwa. Xa songeza ngotyando oluzayo unyana wam kufuneka abe nalo kwinyanga ezayo, siya kuba ngaphaya kobuninzi bethu obungaphandle kwepokotho kulo nyaka. Usapho lwam lunemiba yezonyango enzima ebangela ukuba sihlangabezane nale mida. Kwabanye, abanakuze bafikelele kwi-deductible yabo. Nangona kunjalo, kubalulekile ukwazi zonke iinkcukacha zesicwangciso se-inshurensi yentsapho yakho. Kukwabalulekile ukuqonda eminye yemigaqo ye-inshurensi yezempilo esisiseko, onokufunda ngakumbi ngayo healthcare.gov/sbc-glossary/.

Ngenxa yeminye yemiqobo yezonyango ekhankanywe ngasentla, sibonwa rhoqo ziingcali ezahlukeneyo. Ngelixa sisenayo i-copay, deductible, okanye enye imali eyongezelelweyo esinoxanduva layo, isixa semali esiye sayigcina ngokuba ne-inshurensi yezempilo phantse ayinakulinganiswa. Into endingenakuyilinganisa ngokuqinisekileyo sisixa soxinzelelo, ixhala, kunye nophando lwe-intanethi ngekufuneka ndilwenze ukuba andinayo i-inshurensi yosapho lwam. Siyazi ukuba xa kukho imeko engxamisekileyo yezempilo kusapho lwam (ebebaninzi), akukho mfuneko yokuba sithandabuze ukufumana ukhathalelo olukhawulezileyo. Nangona isoloko isixabisa okuthile, ngakumbi ukuba asikafikeleli kwipokotho yethu ephuma epokothweni unyaka wonke, iya kusixabisa kancinane kakhulu nge-inshorensi kunokuba singenayo.

Akusoloko kumaxesha obunzima endiye ndime ndithathe umzuzwana ndibe nombulelo nge-inshurensi. Ngenani lamayeza asetyenziswa yintsapho yam, sasikwazi ukuvula ikhemesti encinane. Amaxesha amaninzi, la mayeza anokubiza amakhulu eedola okanye ngaphezulu ngaphandle kwe-inshorensi. Iinhalers, antibiotics, steroids, zonke ezi zinto zinika abantwana bam ubomi obungcono, obutofotofo, ngamanye amaxesha zinokubiza kakhulu kangangokuba abantu abaninzi abangenayo i-inshurensi kufuneka bayeke ukuzalisa. Kuba sine-inshurensi, siyakwazi ukufunela oonyana bam amayeza afanelekileyo xa bewafuna.

I-inshurensi inokuba yinto ekhohlisayo ukuyiqonda, kunye neenkcazo ezininzi ezahlukeneyo kunye neemeko ezimbi kakhulu / ezingcono kakhulu. Kodwa ndikhuthaza wonke umntu ukuba enze inkuthalo yakhe xa ejonga ukuba izicwangciso zabo ze-inshorensi zibandakanya ntoni na. Ukuba ulilungu leColorado Access kwaye unemibuzo malunga nokugubungela kwakho, sineqela elimangalisayo elinokukunceda ukuhamba nawe kuyo yonke imibuzo yakho. Ukuba ufuna uncedo lokufumana umboneleli owamkela i-Health First Colorado (inkqubo ye-Colorado Medicaid) okanye iSicwangciso seMpilo yoMntwana kunye (CHP +), sinokunceda naloo nto! Unokusibiza ku-800-511-5010. Silapha ukuze sikuncede uqonde izibonelelo zakho kwaye sikubonelele ngokhathalelo lwempilo ngexabiso esinokufikelela kulo sonke.