To taub txog koj cov nuj nqis hauv tsev kho mob

Yog tias koj tau mus pw hauv tsev khomob, koj yuav tau txais ib daim ntawv sau nqi. Cov nqi kho mob hauv tsev kho mob tuaj yeem yog qhov nyuaj thiab nkag siab. Txawm tias nws yuav nyuaj rau ua, koj yuav tsum ua tib zoo saib daim nqi thiab nug cov lus yog tias koj pom qee yam uas koj tsis nkag siab.

Nov yog qee cov lus qhia rau kev nyeem koj daim nqi hauv tsev kho mob thiab cov lus qhia kom ua dab tsi yog tias koj pom qhov ua yuam kev. Saib xyuas koj daim nqi kom zoo yuav pab koj txuag tau nyiaj.

Tsev Kho Mob yuav sau cov nqi uas koj yuav ntsib thaum mus ntsib. Nws teev cov kev pabcuam koj tau txais (xws li cov txheej txheem thiab cov kev kuaj), thiab cov tshuaj thiab cov khoom siv. Feem ntau, koj yuav tau txais ib daim nqi sib txawv rau cov nqi kho mob. Nws yog ib lub tswv yim zoo los hais kom tau daim ntawv teev cov tsev kho mob kom ntxaws nrog txhua tus nqi tau piav qhia cais. Qhov ntawd tuaj yeem pab koj kom ntseeg tau tias daim nqi yog.

Yog tias koj muaj kev tuav pov hwm, koj tseem yuav tau txais ib daim ntawv los ntawm koj lub tuam txhab kev pov hwm, hu ua Cov Lus Qhia Txog Cov Nyiaj Tau Los (EOB). Qhov no tsis yog daim nqi. Nws piav txog:

• Dab tsi yog qhov koj tuaj pov hwm
• Cov nyiaj them tuaj thiab xa mus rau leej twg
• Txiav lossis nyiaj them nqi kho mob

Qhov yus them yus yog qhov nyiaj uas koj yuav tsum them txhua xyoo los them rau koj cov nqi kho mob ua ntej koj cov ntawv pov hwm pib them. Coinsurance yog tus nqi koj them rau kev kho mob tom qab koj tau them koj qhov nyiaj pov hwm kev noj qab haus huv tau txiav tawm. Nws yog feem ntau muab ua feem pua.

Cov ntaub ntawv ntawm EOB yuav tsum phim koj daim nqi tsev kho mob. Yog tias nws tsis tshwm sim, lossis muaj qee yam uas koj tsis nkag siab, hu rau koj lub chaw fajseeb khomob.

Cov teeb meem ua rau koj daim nqi kho mob tuaj yeem ua rau koj raug nqi. Yog li nws tsim nyog lub sijhawm los kuaj xyuas koj daim nqi. Khij cov khoom hauv qab no kom zoo zoo:

• Cov hnub tim thiab cov hnub. Txheeb xyuas tias cov hnub tim rau ntawm cov nqi sib tw thaum koj nyob hauv tsev khomob. Yog tias koj tau tuaj nyob tom qab ib tag hmo, nco ntsoov tias cov nqi tsub pib rau hnub ntawd. Yog tias koj tau tawm hauv tsev thaum sawv ntxov, xyuas tias koj tsis raug them rau kev them nqi chav txhua hnub.
• Tus lej yuam kev. Yog tias tus nqi tes zoo li siab dhau, xyuas tias tsis muaj ib tus lej zaws ntxiv tom qab tus lej (piv txwv, 1,500 hloov 150).
• Ob nqi. Nco ntsoov tias koj tsis tau sau nqi ob zaug rau tib qho kev pabcuam, tshuaj, lossis khoom siv.
• Tshuaj tsub nqi. Yog tias koj nqa koj cov tshuaj tuaj hauv tsev, xyuas tias koj tsis tau them rau lawv. Yog tias tus kws kho mob muab tshuaj rau cov tshuaj feem ntau, nco ntsoov tias koj tsis tau tsub nqi rau cov tshuaj uas nrov npe.
• Nqi rau cov khoom siv li niaj zaus. Nqi them rau nqe lus nug txog yam khoom xws li hnab looj tes, hnav khaub ncaws, lossis pua lo. Lawv yuav tsum yog ib feem ntawm lub tsev kho mob cov nqi dav dav.
• Nqi ntawm kev nyeem cov ntawv nyeem lossis luam theej duab. Koj yuav tsum raug them ib zaug xwb, tshwj tsis yog tias koj tau txais lub tswv yim thib ob.
• Ncua tseg ua haujlwm lossis tshuaj. Qee zaum, tus kws khomob xaib kuaj, cov txheej txheem, lossis cov tshuaj uas tom qab raug muab tso tseg. Kuaj xyuas cov khoom no tsis muaj nyob hauv koj daim nqi.

Yog tias koj tau phais lossis lwm tus txheej txheem, nws yuav pab kom paub tias koj lub tsev kho mob puas tau them tus nqi. Muaj qee lub vev xaib koj tuaj yeem siv los pab koj nrhiav cov ntaub ntawv no. Lawv siv cov chaw khaws ntaub ntawv kev khomob hauv tebchaws. Koj sau lub npe ntawm tus txheej txheem thiab koj tus lej zip kom pom qhov nruab nrab lossis kwv yees tus nqi hauv koj thaj chaw.

• Phau Ntawv Kev Noj Qab Haus Huv Phau Ntawv Kho Mob - www.healthcarebluebook.com
• FAIR Kev Noj Qab Haus Huv - www.fairhealth.org

Yog tias kev them tus nqi ntawm koj daim nqi yog siab dua tus nqi ncaj ncees lossis siab dua li lwm lub tsev kho mob tsub, koj tuaj yeem siv cov ntaub ntawv los nug tus nqi qis.

Yog tias koj tsis nkag siab them nqi ntawm koj daim nqi, ntau lub tsev kho mob muaj cov kws pab tswvyim txog nyiaj txiag los pab koj nrog koj daim nqi. Lawv tuaj yeem pab piav qhia tus nqi yog cov lus meej. Yog tias koj pom qhov ua yuam kev, nug chav tuam tsev them nyiaj kom paub kho qhov tsis raug. Khaws tseg hnub thiab sij hawm koj tau hu, lub npe ntawm tus neeg uas koj nrog tham, thiab lawv tau hais dab tsi rau koj.

Yog tias koj pom qhov ua yuam kev thiab tsis xav tias koj tau txais kev pabcuam koj xav tau, xav nrhiav ib tus neeg tawm tswv yim txog kev khomob. Cov neeg tawm tswv yim tsub nqi ib teev lossis feem pua ​​ntawm qhov nyiaj koj khaws tseg vim lawv tau tshuaj xyuas.

Yog koj tsis tuaj yeem them koj cov nqi kom tas uantej hnub xaus, koj yuav muaj kev xaiv. Nug lub tsev kho mob xa nqi yog tias koj tuaj yeem:

• Tau txais qhov luv nqi yog tias koj them tag nrho cov nyiaj hauv cov nyiaj
• Ua haujlwm tawm txoj kev npaj them nqi
• Tau txais kev pabcuam nyiaj txiag los ntawm tsev kho mob

American Academy ntawm Tsev Neeg Cov Kws Kho Mob lub vev xaib. To taub txog koj cov nuj nqis kho mob. familydoctor.org/understanding-yuav-medical-bills. Hloov kho Lub Xya Hli 9, 2020. Nkag mus Lub Kaum Ib Hlis 2, 2020.

American Tsev Kho Mob Lub Vev Xaib lub vev xaib. Zam kev tsis txaus siab nyob rau hauv koj cov nuj nqis kho mob. www.aha.org/guidesreports/2018-11-01-pob-txhob-yuav-kho-txhob-yuav-pev. Hloov kho thaum Lub Kaum Ib Hlis 1, 2018. Nkag mus Lub Kaum Ib Hlis 2, 2020.

FAIR Cov Neeg Siv Tshuaj Kho Mob lub vev xaib Yuav tshuaj xyuas koj daim nqi khomob li cas. www.fairhealthconsumer.org/insurance-basics/your-bill/how-to-review-your-medical-bill. Nkag mus rau Lub Kaum Ib Hlis 2, 2020.

• Pov Hwm Pov Hwm Kev Noj Qab Haus Huv