Iindleko zeNICU Care
Ngenxa yokuba iintsana zangaphambi kwexesha zifuna uncedo oluninzi lwezonyango, ukuhlawula iindleko zakho zonyango emva kokuba une-preemie inokufumana iindleko. I-NICU ihlala kwiintsana ezizalwe phakathi kwee-32 ukuya kwe-34 kwiiveki zokulingana kweeyure ezingama -31,000, kwaye iintsana ezizalwe ngaphaya kwamaviki angama- 32 zibiza ngaphezulu. Kwiintsana ezinomlinganiselo phakathi kwama-501 no-750 amagremu, iindleko zonyango zilinganiselwa kuma-89,564!
Ingaba unesiqinisekiso kwaye unenkxalabo malunga nendlela oza kuhlawula ngayo isabelo sakho sesibhedlele sokuhlala esibhedlele okanye ungaxhaswanga kwaye awukwazi ukuqonda indlela oza kulawula ngayo eso sikhokhelo esinyanisekileyo, ungathatha amanyathelo okunciphisa uxinzelelo lwemali lokuba umntwana osengumntwana.
Ukuba Unesiqinisekiso
Intshuwalense yezempilo ngokuqinisekileyo iya kunciphisa uxanduva lwezemali lokuba ne-preemie, kodwa ayiyi kubaphelisa. Iindleko zesikhwama sokunakekelwa kwe- NICU zinokubiza , kwaye iinkampani ze-inshorensi zingenakukufihla zonke iinkalo zokuhlala komntwana wakho.
- Yenza uqhagamshelwano ekuqaleni: Ixesha elifanelekileyo lokuthetha malunga negalelo lomntwana wakho omtsha ngaphambi kokuba umntwana wakho afike. Ngexesha lokukhulelwa kwakho, fowuna inkampani yakho yenkampani yomshuwalense ukuze ufumane indlela yokuqalisa ukukhupha umntwana wakho. Ukuba uyazi ngaphambili ukuba usengozini yokuzalwa umntwana , vumela inkampani yakho yenkampani yomshuwalense ukuba iyazi ukuba uthethe nge-NICU.
- Emva kokuba umntwana wakho avunyelwe kwi-NICU, qha ga mshelana nenkampani yakho yomshuwalense ukuba ubazise. Ngelo xesha, cela ngokucacileyo ukuba uxanduva lwakho lwezezimali ukwenzela ukuba uqale ukulungiselela. Ngokukodwa, cela malunga ne-copays yakho, i-deductibles, imida yokukhawulela, kunye neenkonzo ezikhoyo kwaye zingagutywanga.
- Thetha nomntu onontlalontle: Nangona unayo inshuwalense enhle, iikopi kunye neengxowankulu ezijongene nazo zinokugqithisa imali yakho. Ukuba isabelo sakho sesibhanki sakho esibhedlele siya kuba ngaphezu koko unokufumana, cela abahlengikazi bakho okanye uqhagamshelane ne-ofisi yezemali yebhedlele ukuze ubone ukuba unokudibana nomntu onontlalontle ukufumana ukuba zinjani iintlobo zoncedo. Uvumelekile ukuba ufake isicelo seMedicaid okanye ufumane isantya esincinci kunyango lwezempilo.
- Musa ukoyika isibheno: Ukuba i-cover is denied for some or NICU yakho yokuhlala umntwana, fowuna inkampani yakho yomshuwalense ngokukhawuleza ukuba ufumane indlela ongayilungisa ngayo ingxabano yakho yemangalo. Unokuba unamanqanaba amaninzi okubhenela kuwe, zombini kwinkampani yomshuwalense kunye neSebe le-inshurensi yakho.
Ukuba awuqinisekanga
Ngenxa yokuba ukukhulelwa okuninzi kunempilo kwaye ukukhululeka okuninzi kunzima, ukugcinwa kwempilo ngexesha lamaxesha ebomini bakho xa ukhulelwe kungenzeka kubonakale njengendleko engadingekile. Ukuba awuqinisekanga kwaye ufumana ukhulelwe okanye umzali wengane oza kutshatyalaliswa okhethekileyo, kukho izinto ongayenza ukuze unciphise ubunzima bezimali bokuba nosana kwi-NICU.
- Faka isicelo seMedicaid: Ngokukhawuleza xa ufumanisa ukuba ukhulelwe, faka isicelo seMedicaid. I-Medicaid yinkqubo yesigqeba eqhutywa yilizwe ngalinye, kwaye iimfuneko zokufaneleka kunye neenkonzo ezigqitywayo ziyahluka ukusuka kummandla ukuya kwimeko. Abafazi abakhulelweyo nabantwana abaneminyaka engaphantsi kweminyaka engama-6 babonwa njengabantu abasengozini, kwaye onke amazwe kufuneka ahlinzeke ngokubhengezwa kwabasetyhini abakhulelweyo nabantwana abancinane.
- Ukudibanisa neSebe lezeMpilo leZibhedlele: Ngokukhawuleza xa unako, mhlawumbi xa ufumanisa ukuba ukhulelwe okanye xa ufumanisa ukuba umntwana wakho uya kufuneka abe kwi-NICU, dibana nomntu kwiSebe lezeMpilo zebhedlele ukuze uxoxe ngeentlawulo zakho. ukhetho. Izibhedlele ezininzi ziza kunika abantu abangaqinisekanga ukuba bahlawulele umyinge, baya kunciphisa i-bill yebhilidi kubantu abafumana imali engaphantsi komlinganiselo othile wemali ngonyaka okanye baya kubeka izicwangciso zokuhlawula inzala kubantu abanemithetho ephezulu yezibhedlele.
- Buza ikopi ekhutshwe ngayo i-bill yakho: Izibhengezo zezibhedlele ziyaziwa ngokuba zii-overloades ezingxamisekileyo. Ukuqinisekisa ukuba awukhokhi imali eyi-$ 1004.50 ye-toothbrush, njengesigulane esisodwa esibi, cela ikhophi ekhutshwe ngayo yesibhedlele sakho esibhedlele. Hlaziya i-bill yeetyala eziphindwe kabini, iinkonzo ongazange uzifumane, kunye neentlawulo ongaziqondiyo, uze udibane nesebe lezemali lezonyango ukuba uxoxe ngeentlawulo.
- Musa ukuboleka: Ukuba ibhajethi yakho iyakugqithisa kwiqondo apho ufumana iifowuni zee-arhente zeqoqo, abaqokeleli banokubonisa ukuba uboleke okanye usebenzise amakhadi-mboleko okanye imigca yokulingana nekredithi ukuhlawula izibhili zezibhedlele. Zonke ezi zikhetho ziza nezindleko ezithandekayo ezinokukwenza i-bill yakho esele idibene kakhulu. Kuphantse kunzima ukuyisebenzisa isicwangciso sentlawulo kunye nesibhedlele ngokuthe ngqo, ngoko gcina uboleka kwisithuba sokugqibela.
Imithombo:
Kirkby, RN, Sharon, Greenspan, MD, Jay, Kornhauser, MD, Michael, Schneiderman, MD, Roy. "Iziphumo zeeKliniki kunye neNdleko yoNyana weNtshontsho yokuqala." Ukuphucula ukuNakekelwa kweNtsholongwane ka- Ephreli 2007 7; 80-87.
Rogowski, Jeannette. "Ukulinganisa iindleko zoNonophelo lwe-Neonatal kunye ne-Perinatal." Iipediatrics ngoJanuwari 1999 103; 329-335.
I-State of Connecticut Ofisi ye-Health Care Access. "Isikhokelo sokuhlawula umThetho oyiYilwayo weZibhedlele sakho." NgoJanuwari 11, 2002. http://www.ct.gov/ohca/lib/ohca/publications/AGuidetoUkuhlawulaIsiHlathi seVangeli-ENG.pdf
Pullium Weston, Liz. "Indlela yokuPhila kwiBhilile zeBhedlele." Matshi 19, 2007. http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/HowToSurviveIiHospitalBills.aspx?page=1.