10 Txoj Hauv Kev Kom Txo Koj Cov Nqi Kho Mob

Zoo Siab

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CO-PAY. DEUCTIBLES. QHOV TSEEB-POCKET EXPENSES. Tej zaum nws yuav zoo li koj xav tau kom tso koj cov nyiaj khaws cia kom noj qab nyob zoo. Koj tsis nyob ib leeg: Ib ntawm rau tus neeg Asmeskas siv tsawg kawg yog 10 feem pua ​​​​ntawm nws cov nyiaj tau los txhua xyoo ntawm cov ntawv sau, nqi them, thiab kev kho mob. "Ntau tus poj niam xav tias cov nqi no tsis tuaj yeem txiav txim siab tau," hais tias Michelle Katz, tus sau ntawm 101 Cov Lus Qhia Txog Kev Pov Hwm Kho Mob. "Tab sis nws yooj yim kom txuag tau ntau pua daus las ntawm koj cov nqi txhua xyoo los ntawm kev tham nrog koj tus kws kho mob lossis xaiv lwm txoj kev pov hwm." Ntawm no, kawm paub yog vim li cas koj thiaj them nyiaj ntau dhau-thiab koj yuav tso nyiaj li cas rov qab rau hauv koj lub hnab ris.

• Xaiv ib txoj kev npaj ua tib zoo Thaum txog lub sijhawm rov rau npe rau xyoo no, tsis txhob hnov ​​qab khij lub npov nyob ib sab ntawm koj txoj cai tam sim no. Kimberly Lankford, tus kws sau ntawv hais tias "Rov ntsuas koj txoj kev npaj txhua xyoo kom ntseeg tau tias nws ua tau raws li koj cov kev xav tau tam sim no," Lub Insurance Maze. Thawj lo lus nug koj yuav tsum nug yog koj puas muaj tus kws kho mob nyiam lossis muaj mob uas xav tau kws kho mob tshwj xeeb. Yog tias koj teb tias yog rau ib qho, koj qhov thawj koom ruam zoo tshaj plaws yuav yog ib lub koom haum pricier preferredprovider (PPO) lossis pointof-service (POS) cov phiaj xwm, uas muab kev ywj pheej rau koj mus ntsib ib tus kws kho mob, hais tias Lankford. Feem ntau, tus kws kho mob hauv network yuav them $ 10 txog $ 25 ib zaug; MD tawm ntawm lub network tau them koj li 30 feem pua ​​ntawm lawv cov nqi. Tab sis yog tias koj tsuas pom koj tus kws kho mob ob peb zaug hauv ib xyoos, ib lub koom haum saib xyuas kev noj qab haus huv (HMO) tej zaum yuav zoo dua. Cov no muab cov kev xaiv tsawg ntawm kws kho mob rau tus nqi pheej yig dua thiab them ua ke.

  Yog tias koj ua haujlwm rau tus kheej lossis koj tus tswvnum tsis muaj kev pov hwm khomob, mus saib cov vev xaib xws li ehealthinsurance.com, uas muaj nqi thiab kev sib piv los ntawm lub xeev. Lankford hais tias "Ua tib zoo saib koj cov ntawv yuav tshuaj, xav tau kev saib xyuas tas li, thiab kev noj qab haus huv thiab kev pom kev," Lankford hais. "Tseem xav txog yog tias koj tab tom npaj yuav xeeb tub hauv lub xyoo, vim tias tsis yog txhua qhov kev npaj them rau cov nqi no." Thaum koj tau taw qhia txhua qhov kev pabcuam koj yuav xav tau, txhawm rau tus lej nrog tus lej hauv online xws li money-zine.com. Lankford hais tias "Tsis txhob ntshai los ntawm txoj cai nrog txiav tawm siab, tus nqi uas koj yuav tsum tau them tawm ntawm hnab tshos ua ntej kev pov hwm kev pov hwm pib," Lankford hais. "Cov phiaj xwm no muaj nqi pheej yig dua txhua hli, yog li lawv yuav tsim nyog yog tias koj qhov kev xav tau kho mob tsawg tsawg."

  
  
• Nug koj cov ntawv xeem Katz hais tias "Cov kws kho mob tsis tas yuav tsum paub txog qhov kev tshuaj ntsuam thiab kev kuaj mob dab tsi yog them los ntawm koj qhov kev pov hwm," Katz hais. Txhawm rau zam qhov kev xav tsis thoob uas muaj nqi, nqa cov npe ntawm cov chaw kuaj pom zoo rau koj thawj zaug nrog kws kho mob tshiab. Kuj xyuas nrog koj tus kws kho mob ua ntej koj teem sijhawm kho lossis kuaj mob, xws li xoo hluav taws xob, MRIs, thiab kuaj lub mis ntawm lub mis; Tej zaum koj yuav tau txais kev pom zoo sau ntawv lossis hais lus ua ntej. Sau txhua tus neeg koj tham nrog thiab lub sijhawm thiab hnub koj tau tham, "Lankford hais." Txoj kev taug ntawv yog qhov tseem ceeb yog tias muaj lus nug lossis teeb meem tom qab. "

• Tham nrog koj tus kws kho mob Yog tias koj them koj cov nuj nqis tawm ntawm hnab tshos, tsis txhob txaj muag lossis txaj muag nug koj tus kws kho mob kom txo nqi. "Qhia koj qhov xwm txheej," Katz hais. "Hais tias, 'Koj tsis nyob hauv kuv lub network, tab sis kuv yuav tsis tso siab rau lwm tus los daws qhov no. Puas muaj ib txoj hauv kev uas koj tuaj yeem kho koj tus nqi rau kuv?' " Lub tswv yim no tau ua haujlwm rau Katz: Raws li cov tub ntxhais kawm tiav tsis muaj kev pov hwm, nws nug tus kws paub txog lub paj hlwb hauv cheeb tsam kom paub kho nws raug mob rov qab. "Thaum kuv thawj zaug, kuv tau tham txog kuv qhov kev txhawj xeeb txog nyiaj txiag nrog nws," nws hais. Tsis yog nws tau xa nws mus rau lub tsev kho mob kim tshaj plaws rau nws phais, nws kuj tau pom zoo ua haujlwm rau ib nrab ntawm nws cov nqi ib txwm muaj. Dab tsi ntxiv, nws tso cai rau nws them tus nqi raws li lub sijhawm teem tseg, txuag nws tag nrho $ 14,000. "Qhov tseem ceeb yog tsim kom muaj kev sib raug zoo ntawm tus kheej nrog koj tus kws kho mob thiab cov neeg ua haujlwm," hais tias Katz, uas xav kom tuaj txog raws sijhawm rau koj qhov kev teem sijhawm thiab ib txwm qhia koj txoj kev txaus siab.
• Paub yuav ua dab tsi thaum muaj xwm ceev Thaum muaj teeb meem tshwm sim, tsev kho mob thiab kws kho mob cov nqi yog zaum kawg uas koj xav txog. Tias yog vim li cas nws tseem ceeb heev los tshuaj xyuas koj txoj cai ua ntej. "Txheeb xyuas seb koj puas xav tau kev pom zoo ua ntej mus rau chav kho mob xwm txheej ceev thiab nco ntsoov cov tsev kho mob twg hauv koj cheeb tsam raug txiav txim tias tsis muaj kev sib txuas thiab dab tsi yog qhov xwm txheej xwm txheej ceev," Lankford hais (koj tuaj yeem nrhiav cov ntaub ntawv no hauv koj phau ntawv tuav pov hwm txoj cai lossis hauv tuam txhab lub Vev Xaib. ). Koj yuav tiv thaiv koj tus kheej los ntawm daim nqi tsis tau npaj tseg: Cov tuam txhab pov hwm kev noj qab haus huv tsis kam lees 20 feem pua ​​​​ntawm tag nrho cov kev thov them nqi kho mob xwm txheej ceev uas xav tau kev tso cai ua ntej, raws li txoj kev tshawb fawb tsis ntev los no luam tawm nyob rau hauv Annals of Emergency Medicine.

  Lankford hais tias "Yog tias nws nrawm, tsis txhob yig hu lub tsheb thauj neeg mob," Tab sis rau cov xwm txheej uas tsis muaj kev phom sij rau lub neej, xws li cov pob txha tawg lossis kub taub hau qis dua 103 ° F (tshwj tsis yog tias koj mob plab, uas tuaj yeem ua rau mob plab hnyuv), nug ib tus phooj ywg lossis cov neeg hauv tsev neeg kom koj caij tsheb mus rau tsev kho mob.

  
  

• Txheeb xyuas koj daim nqi tsev kho mob Cov poj niam feem ntau txheeb xyuas lawv daim npav rho nyiaj txhua lub hlis, tseem tsawg heev txawm pom lawv cov ntawv hauv tsev kho mob. Tab sis lawv yuav tsum: Cov kws tshaj lij kwv yees li 90 feem pua ​​ntawm cov nqi kho mob hauv tsev kho mob muaj qhov ua yuam kev. Ua ntej koj txheeb xyuas, thov kom tau txais daim ntawv teev nqi. "Txhua qhov kev kho mob uas koj tau txais yog muab tus lej lej," piav qhia Katz. "Yog li qee tus neeg yuam kev sau tus lej tsis raug tuaj yeem txhais tau qhov sib txawv ntawm ntau pua lossis ntau txhiab daus las." Ua ntej yuav tawm mus, luam theej koj daim nqi rau cov nqi txawv txawv. Tom qab ntawd, ntawm koj lub sijhawm teem tom ntej, nug koj tus kws kho mob lossis ib tus neeg ntawm nws cov neeg ua haujlwm kom hla txhua yam uas koj tsis paub.
• Them nrog cov nyiaj ua se ua ntej se Tsawg dua 15 feem pua ​​​​ntawm cov neeg Amelikas tau txais txiaj ntsig los ntawm kev txuag nyiaj noj qab haus huv (HSA) lossis kev siv nyiaj yooj yim (FSA), ob qho tib si yog muab los ntawm cov chaw ua haujlwm. Qhov ntawd txhais tau tias peb feem coob tau poob nyiaj dawb: Cov nyiaj no tso cai rau koj them cov nqi kho mob nrog cov nyiaj ntsuab uas koj tau tso tseg los ntawm koj daim tshev them ua ntej cov se tawm. Qhov tshwm sim: txuag nyiaj txog 30 feem pua ​​ntawm koj cov nqi kho mob. Koj tseem tuaj yeem siv tus as khauj los them rau cov nqi uas tsis tau them los ntawm kev pov hwm kev noj qab haus huv, xws li kws kho mob thiab ntawv sau tshuaj them nqi ntxiv nrog rau tsev kho mob nyob twj ywm. Ntau cov phiaj xwm tseem cia koj yuav cov tshuaj tiv thaiv kab mob, tsom iav, Band-Aids, thiab tshuaj aspirin. Feem ntau cov tswv ntiav tsuas muaj ib hom nyiaj, xws li HSA lossis FSA. Qhov sib txawv loj ntawm ob yog tias koj tuaj yeem dov koj cov nyiaj HSA los ntawm ib xyoos rau ib xyoos thiab los ntawm txoj haujlwm mus rau txoj haujlwm. Tab sis nrog FSA, koj yuav plam ib qho nyiaj seem hauv koj tus as khauj yog tias koj tsis siv nws txog lub Peb Hlis 15 ntawm lub xyoo tom ntej lossis yog tias koj hloov cov tuam txhab.

  Txog qhov kwv yees kwv yees tseeb ntawm koj cov nuj nqis kho mob, tshuaj xyuas koj li kev noj qab haus huv kev siv nyiaj hauv 12 lub hlis dhau los, tom qab ntawd ntxiv cov nuj nqis ntxiv (cov ntawv sau tshiab, piv txwv) koj xav tias yuav tshwm sim yav tom ntej. "Tab sis nco ntsoov tias koj yuav tsum xa cov ntawv thov kom them rov qab, yog li yog tias koj txaus ntshai ntawm cov ntaub ntawv lossis tuav cov ntawv txais nyiaj, cov nyiaj no yuav tsis yog rau koj," Katz hais.

  
  

• Ua cov khw muag tshuaj "Koj tuaj yeem txuag tau txog 30 feem pua ​​​​ntawm koj cov nqi xaj los ntawm kev mus rau cov khoom lag luam," hais tias Steve Miller, MD, tus thawj coj saib xyuas kev noj qab haus huv rau Express Scripts, lub tuam txhab kev tswj hwm kev noj qab haus huv raws li hauv St. Nug koj tus kws kho mob yog tias muaj cov ntawv pov thawj pom zoo ntawm cov tshuaj nws tau sau tseg. Nws tau hais tias "Lawv muaj cov ntaub ntawv zoo thiab nyab xeeb zoo ib yam li cov tshuaj muaj npe," Yog tias tseem tsis tau muaj ib qho ntawm lub khw, nug koj tus MD yog tias muaj qhov tsis tshua kim tab sis muaj txiaj ntsig zoo sib xws rau cov tshuaj uas nws tau sau. Txawm hais tias koj tus kws kho mob muab cov tshuaj dawb rau koj, tseem thov daim ntawv xaj tshuaj ib txwm muaj: Thaum cov pob ntawv pub dawb dhau los, nws yuav zoo li koj yuav tau nkim nyiaj ntau dua, Miller hais. Qhov tseeb, kev tshawb fawb los ntawm University of Chicago pom tias cov neeg mob uas tau txais tsawg kawg ib qho qauv dawb ntawm cov tshuaj muaj npe siv 40 feem pua ​​​​rau cov tshuaj ntau tshaj rau lub hlis ntau dua li cov neeg tsis tau txais lawv, tej zaum vim tias lawv txuas ntxiv mus yuav. cov tshuaj pricier.

• Ua cov ntsiav tshuaj cais tawm Hae Mi Choe, Pharm.D., hais tias "Qee cov tshuaj raug nqi ib yam nkaus thiab siab,". Yog tias koj tab tom noj tshuaj, xws li ib qho rau cov roj (cholesterol) siab, nug koj tus kws kho mob yog tias nws tuaj yeem sau koj daim ntawv sau tshuaj rau cov tshuaj noj ntau dhau uas koj tuaj yeem txiav ib nrab hauv tsev, hais tias Choe. Tsis ntev los no nws tau ua txoj kev tshawb fawb uas pom Cov neeg mob tuaj yeem txuag tau txog 50 feem pua ​​​​ntawm lawv cov nqi tshuaj los ntawm kev faib lawv cov tshuaj. Tab sis qhov no tsis siv rau txhua yam tshuaj. Choe hais tias "Qee qhov, xws li tshuaj ntsiav, tshuaj ntsiav tshuaj, thiab lub sijhawm tso tshuaj, yuav tsum tsis txhob txiav," "Yog li sab laj nrog koj tus kws kho mob lossis kws muag tshuaj ua ntej." Txhawm rau kom ntseeg tau tias koj ib txwm noj cov tshuaj kom raug, siv cov tshuaj sib cais, muaj nyob hauv khw muag tshuaj.

• Nrhiav lub khw muag tshuaj luv nqi Cov saw loj xws li Lub Hom Phiaj thiab Wal-Mart muag qee yam tshuaj muaj yees, xws li tshuaj tua kab mob thiab tshuaj txo cov roj cholesterol, kom tsawg li $ 4 rau 30-hnub khoom. Costco kuj sau cov ntawv sau rau ntawm tus nqi luv (koj tsis tas yuav yog tus tswv cuab siv lawv lub tsev muag tshuaj). Koj kuj tseem yuav nug koj tus MD sau koj daim ntawv yuav tshuaj peb lub hlis, tom qab ntawv xaj nws los ntawm lub tsev muag tshuaj online cuam tshuam nrog koj li phiaj xwm kev pov hwm lossis kev ywj pheej, xws li walgreens.com, drugstore.com, lossis cvs.com. Tab sis nco ntsoov sib piv-khw: Cov kws tshawb fawb los ntawm Creighton University Tsev Kawm Ntawv Tshuaj Kho Mob pom hom-npe Rx's yog pheej yig dua thaum yuav los ntawm kev xa ntawv, tab sis cov tshuaj muaj peev xwm tuaj yeem raug nqi ntau dua.
• Ua kom zoo dua ntawm cov perks zais hauv koj txoj kev npaj Lankford hais tias "Koj txoj cai pov hwm kev noj qab haus huv yuav them rau txhua yam kev pabcuam uas tsis yog ib txwm pub dawb lossis txo tus nqi," Txheeb xyuas seb koj li puas muaj kev txo nqi lossis them rau cov phiaj xwm kev haus luam yeeb, poob phaus lossis noj zaub mov zoo, lossis koom nrog ua si hauv chaw ua si. Cov tuam txhab tuav pov hwm me me, suav nrog Aetna thiab Kaiser Permanente, tseem tab tom pib them rau lwm txoj kev kho mob, xws li kev kho hniav, kho zaws, thiab kho mob chiropractic.

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