Izindleko zokunakekelwa kwe-NICU
Ngenxa yokuthi izingane ezingakabiphi isikhathi zidinga ukwelashwa okuningi, ukukhokhela izikweletu zakho zezokwelapha ngemuva kokuba une-preemie zingathola izindleko. I-NICU ihlala yabantwana abazalwa phakathi kwama-32 no-34 amasonto ama- pregnancy isilinganiso se-$ 31,000, kanti abantwana abazalwa ngaphambi kwamasonto angu-32 badla ngisho nangaphezulu. Ezinganeni ezilinganisa phakathi kuka-501 no-750 amagremu, izindleko zokwelapha zilinganiselwa ku-$ 89,564!
Kungakhathaliseki ukuthi u-insured futhi ukhathazekile ngokuthi uzokhokha kanjani isabelo sakho sokuhlala esibhedlela noma ukungaqiniseki ukuthi uzophatha kanjani imali enjalo, ungathatha izinyathelo zokunciphisa ukwelashwa kwezimali ingane engakafiki.
Uma U-Insured
Umshuwalense wezempilo ngokuqinisekile uyokwenza ukuthi imithwalo yemfanelo yezimali ibe ne-preemie, kodwa ngeke iqede. Izindleko zezimpahla ze- NICU zingakuthola ezibizayo, kanti izinkampani zomshuwalense angeke zihlanganise zonke izici zokuhlala kwengane yakho.
- Yenza uxhumane kusenesikhathi: Isikhathi esihle sokukhuluma ngokukhishwa kwengane yakho entsha ngaphambi kokuba ingane yakho ifike. Ngesikhathi ukhulelwe, shayela inkampani yakho yomshuwalense ukuthola ukuthi ungaqala kanjani ukuhlinzekela ingane yakho. Uma wazi kusengaphambili ukuthi usemngciphekweni wokuba nosana olungakafiki , vumela inkampani yakho yomshuwalense ukwazi lokho futhi ukhulume nge-NICU.
- Ngemuva kokuba ingane yakho ihanjiswe ku-NICU, xhumana nenkampani yakho yomshuwalense futhi ukuze ubazise. Ngaleso sikhathi, cela kahle ukuthi imithwalo yemfanelo yakho yezezimali yimuphi ukuze uqale ukulungiselela. Ngokuqondile, cela mayelana ne-copays yakho, ama-deductibles, imingcele yokuhlanganisa, nezinsizakalo ezingekho futhi ezingavunyelwe.
- Khuluma nesisebenzi sezenhlalakahle: Ngisho noma unomshuwalense omuhle, ama-copays nama-deductibles onomthwalo wemali angase aqoqe imali yakho. Uma ingxenye yakho yesibhedlela sakho esibhedlela ingaphezu kwalokho ongakuthola, cela abahlengikazi bakho noma uxhumane nehhovisi lezezimali esibhedlela ukuze ubone ukuthi ungahlangana yini nesisebenzi senhlalakahle ukuze uthole ukuthi yiziphi izinhlobo zesevisi ezitholakalayo. Ungakwazi ukufaka isicelo se-Medicaid noma ukuthola isilinganiso esincane sokunakekelwa kwezokwelapha.
- Ungesabi ukukhalaza: Uma ukukhishwa kunqatshelwe ezinye noma zonke ukuhlala kweNICU yengane yakho, shayela inkampani yakho yomshuwalense masinyane ukuthola ukuthi ungasombulula kanjani impikiswano yakho yezimangalo. Ungase ube namazinga amaningana wokukhalaza atholakala kuwe, kokubili ngaphakathi kwenkampani yomshuwalense kanye nomnyango womshuwalense wombuso wakho.
Uma Ungavunyelwe
Ngenxa yokuthi ukukhulelwa okuningi kunempilo futhi ukudiliva okuningi kunzima, ukugcinwa kwezempilo ngesikhathi sokuphila kwakho lapho ukhulelwe kungase kubonakale sengathi kuyindleko engadingekile. Uma ungaqinisekisiwe futhi uzithola ukhulelwe noma umzali wengane ozozalwa ozodinga ukunakekelwa okukhethekile, kunezinto ongayenza ukuze unciphise ubunzima bezimali bokuba nengane ku-NICU.
- Faka isicelo se-Medicaid: Uma nje uthola ukuthi ukhulelwe, faka i-Medicaid. I-Medicaid wuhlelo lwezinhlangano oluphethwe yizizwe ezihlukene, futhi izidingo zokufaneleka kanye nezinsizakalo ezihlanganisiwe zihlukahluka kusuka esimweni kuya kwesimo. Abesifazane abakhulelwe nabantwana abangaphansi kweminyaka engama-6 babhekwa njengabantu abasengozini, futhi wonke amazwe kudingeka ahlinzekwe ngabesifazane abakhulelwe abafanelekayo nabantwana abancane.
- Hlangana nomnyango wezezimali esibhedlela: Uma nje ungakwazi, noma ngabe uthola ukuthi ukhulelwe noma uma uthola ukuthi ingane yakho izodinga ukuba i-NICU, uhlangabezane nomunye emnyangweni wezezimali esibhedlela ukuze uxoxe ngokukhokha kwakho izinketho. Izibhedlela eziningi zizohlinzeka abantu abangaqinisekisiwe isilinganiso esinqunyiwe uma becela, bazokwehlisa umthethosivivinywa kubantu abathola imali encane kunomthamo othile ngonyaka noma bazobeka izinhlelo zokukhokha ezingenasithakazelo kubantu abanezikhwama ezinkulu ezibhedlela.
- Cela ikhophi ehlongozwayo yesikweletu sakho: Izikweletu zezibhedlela ziyaziwa ngokuthi zithwala ngokweqile. Ukuze uqiniseke ukuthi awukhokhi imali engu- $ 1004.50 ye-toothbrush, njengesiguli esisodwa esilusizi, cela ikhophi ekhishwe nge-bill yakho yesibhedlela. Buyekeza umtsetfosivivinywa wezindleko ezimbili, izinsizakalo ongazitholi, nezinkokhelo ongaziqondi, bese uhlangana nomnyango wezezimali esibhedlela ukuze uxoxisane namacala.
- Ungalokothi: Uma ngabe umthethosivivinywa wakho uphazamisa kakhulu lapho uthola izingcingo ezivela kuma-ejensi amaqoqo, abaqoqi bangase basikisele ukuthi uboleke noma usebenzise amakhadi esikweletu noma imigqa yokulingana yasekhredithi yokukhokha izikweletu zakho zesibhedlela. Zonke lezi zikhetho ziza nezindleko ezithakazelisayo ezinkulu ezingenza ibhilidi lakho elibizayo kakade ngisho nezindleko ezinkulu. Kuyinto eshibhile ngaso sonke isikhathi ukwenza uhlelo lokukhokha nesibhedlela ngokuqondile, ngakho-ke londoloza ukuboleka ekusebenzeni kokugcina.
Imithombo:
Kirkby, RN, Sharon, Greenspan, MD, Jay, Kornhauser, MD, Michael, Schneiderman, MD, Roy. "Imiphumela Yomtholampilo kanye Nezindleko Zengane Yengane Yokutholwa Ngaphambi Kokutholwa." Ukuthuthuka Ekunakekelweni Kwezingane Zikahulumeni Ngo-Ephreli 2007 7; 80-87.
Rogowski, Jeannette. "Ukulinganisa Izindleko Zokunakekela Neonatal and Perinatal." Izifo zakwa-January 1999 103; 329-335.
I-State of Connecticut Ihhovisi Lezempilo Lokufinyelela Kwezempilo. "Umhlahlandlela wokukhokha uMthethosivivinywa Wesibhedlela Wakho." NgoJanuwari 11, 2002. http://www.ct.gov/ohca/lib/ohca/publications/AGuidetoUkukhokhelaI-HospitalBill-ENG.pdf
I-Pullium Weston, i-Liz. "Indlela Yokusinda Ngayo Izikweletu Zibhedlela." Ngo-Mashi 19, 2007. http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/HowToSurviveYourHospitalBills.aspx?page=1.