Maitiro Ekutaurirana Bill Yechipatara: Matanho 6 Ekuderedza 50%

Kutaurirana mari dzezvipatara kugona kushoma kwaunodzidza nevashoma vekuAmerica. Chinyorwa che 2024 kubva ku KFF chinoratidza kuti munhu mumwe chete muvanhu gumi nevaviri vane zvikwereti zvekurapa zvinodarika $1,000, uye mabhirioni mazana maviri nemakumi maviri emadhora emabhero asina kubhadharwa ari pamakadhi echikwereti evatengi. Uye ingangoita zvese izvi zvibero zvinogona kutauriranwa.

Chinyorwa ichi chinotsanangura zvinoshanda paunowana bhiri rechipatara rakakwirira kupfuura zvaunotarisira, kusanganisira maitiro ekuwana zvikanganiso mubhiriro rako, zvekubvunza nhanho imwe neimwe uye zvekutaura. Mazano ari mugwaro rino anobva kuCFPB, CMS, neongororo dzakagadziriswa, kwete social media. Zviito izvi zvichabatsira vanhu vazhinji kuderedza mabhero avo ne 20% kusvika 50%.

Nei mabhero echipatara achigona kutauriranwa

Mitengo yezvipatara haina kusimba. Inosiyana zvichienderana nekuti murwere ane inshuwarisi yehutano here, mitemo yezvipatara, uye kuti murwere anobhadhara marii pachikwama chake. Ongororo yazvino yemitengo yemari yechiito pa zvipatara zvinopfuura 2,000 zvakabudiswa mu JAMA Health Forum muna 2023 yakawana mitengo yebasa rimwe chete yakapetwa kanodarika gumi mukati memunharaunda imwe chete.

Zvipatara zvinozivawo kuti zvinowana mari yakawanda kana zvichipa zvibatiso uye mabhero achibhadharwa nekukurumidza. Saka zvipatara zvakawanda zvekuUSA zvinopa zvirongwa zvekubatsira nezve mari, zvibatiso zvekubhadhara nekukurumidza, nezvirongwa zvekubhadhara (kunyange hazvisi nguva dzose zvichiziviswa).

Uye pane zvikanganiso zvekubhadhara. Ongororo neMedical Billing Advocates of America yakawana 80% yemabhero echipatara ane zvikanganiso, kusanganisira mari dzakapetwa uye macode asina kururama ezvokurapa.

Maitiro Ekutaurirana Bill Yechipatara MuMatanho 6

Kutaurirana bhiri rechipatara kunoshanda zvakanaka kana uchitarisana naro senzira yakarongwa. Matanho matanhatu ari pasi apa anovhara zvekukumbira uye kuti zvipi zvinotevera. Kutaurirana kwakawanda kunotora 2 kusvika 4 mavhiki kubva pakutanga kusvika pakuguma.

Tanga nekufona ku dhipatimendi rekubhadhara. Kumbira nehunyoro, tora zvinyorwa (zuva, zita remumiririri, zvavakataura), uye tevera zvese mukunyora.

Chishandiso chemahara chakadai se August AI Bill Analyser chinogona kukubatsira kurodha bhiri rako rezvipatara rakanyorwa zvizere uye kutarisa mari yakapetwa, zvakaiswa macode zvisizvo, uye zvinhu zviri pamusoro peiyo Medicare benchmark price, iyo inokupa zvinhu zvakasarudzika zvekudzvinyirira panguva yekufona.

Maitiro Ekutaurirana Mabhero Ekurapa: Mazano Ekutaurirana Bill Yechipatara

Maitiro ekutaurirana mabhero ekurapa zie zvinobudirira kunoenderana nekugadzirira. Mazano ekutaurirana bhiri rechipatara ari pasi apa anobva kune CFBP consumer guidance ne patient-advocate research.

• Nguva dzose kumbira bhiri rakanyorwa zvizere kutanga. Mitemo yeFederal pasi peNo Surprises Act inoda kuti zvipatara zvipe chimwe mukati menguva yakakodzera

• Fananidza macode ako nemareferenzi emitengo yeMedicare pa CMS.gov's Procedure Price Lookup

• Kumbira rubatsiro rwemari pakunyora. Zvipatara zvisiri zve purofiti zvinofanira kuchipa pasi pe IRS Section 501(r)

• Shandisa izwi rekuti "Ndinoda kugadzirisa chikwereti ichi nhasi" paunenge uchikumbira cash discount

• Usambofa wakapa ruzivo rwe credit card kusvikira mazwi acho asimbisirwa pakunyora

• Mirira kusvikira mushure mekunge mabasa apedza asi bhiri risati raenda kuchikwereti (kazhinji 90 kusvika 120 mazuva kubva pakubhadharwa)

Kana bhiri rechipatara rako rakanyanya kukwirira mushure me inshuwarisi kana usina inshuwarisi, zvitaure zvakananga. Iyo CFPB inotaura kuti zvipatara zvinonyatso kuita zviri nyore nevarwere vanozvibhadhara nekuti vanounganidza chikamu chidiki chemabhero akazara.

Medical Bill Negotiation Script: Zvekutaura

Medical bill negotiation script inoshanda chete kana iwe uchiziva kare kuti ndeapi mari dzekudzvinyirira. Vashoma varwere vanozviita, uye hofisi yekubhadhara yechipatara haizokudza zvavari.

Ndiko uko August AI Bill Analyser inogona kubatsira. Unopenda bhiri rechipatara rako rakanyorwa zvizere uye software inonongedza mutsetse wega wega kune zvakapetwa, zvakaiswa macode zvisizvo, zvinhu zvakabhadharwa pamusoro peiyo Medicare rate, nezvinhu zvinowanzo kufukidzwa nezvirongwa zvekubatsira nezvemari zvechipatara. Zvino inogadzira tsamba kune chipatara inosimbisa zvinetso zvayo, ine akakodzera CPT codes uye Medicare rates, saka unogona kuatumira sezvazviri kana kuita shanduko. Maitiro akazara anotora maminetsi mashoma uye anotsiva dambudziko rebepa risina chinhu nechimwe chakakwana chaunogona kuita.

Kana wango shandisa kuongorora nekugadzirisa tsamba, unogona:

• Tumira tsamba zvakananga kune zvakakweretwa zvakanyorwa (mari yakapetwa, macode asina kururama, mabasa asina kugamuchirwa)

• Shandisa semubatsiri wekufona nezvinyorwa zvakasarudzika nemayero eMedicare akagadzirira kutaura

• Ramatidza pakukumbira rubatsiro rwemari kutsigira nyaya yako yekuchengetwa kwevanhu kana discount

Maererano neHealth Affairs analysis, vanhu vanotaura nezve zvakajeka uye zvakanyorwa vanowana discount nguva dzinodarika 60%, vachienzaniswa nevanoda kuita zvavanoda vasina zvakajeka.

Zvinogona Kutaurirana Mabhero Ekurapa Ari Kuda Kuunganidzwa?

Hongu, unogona kutaurirana mabhero ekurapa ari kutoda kuunganidzwa, dzimwe nguva zvakanyanya kupfuura kare. Kamwe chikwereti chikaitwa mutengesi kune yekuvaunganidzira, yekuvaunganidzira inowanzo bhadhara 5 kusvika 10 cents pamadhora, zvinoreva kuti vane nzvimbo yakawanda yekugadzirisa.

Kuderedza mabhero ekurapa ari kutoda kuunganidzwa:

• Kumbira "pay-for-delete" agreement (pakunyora) apo yekuvaunganidzira inobvisa account kubva pakadhi rako rechikwereti kana rakwadzwa

• Kupa lump-sum settlement ye 25% kusvika 50% yemari yepakutanga

• Usambofa wakadzorera statute of limitations nekubhadhara mari shoma isina chibvumirano chakanyorwa

• Rwisana chikwereti necredit bureaus kana uchitenda kuti bhiri harina kururama (ichi isarudzo yemahara pasi pe FCRA)

Cherechedza kuti pasi pemitemo mitsva ye CFPB, chikwereti chekurapa pasi pe $500 hachigoni kuoneka pamakadhi echikwereti evatengi, uye chikwereti chekurapa chakawanda chine nguva pfupi yekurekodha kupfuura zvikwereti zvimwe.

Mibvunzo Inowanzo Kubvunzwa

Zvinogona Kutaurirana Mabhero Ekurapa Kana Uine Inshuwarisi?

Hongu. Kutaurirana kunoshanda zvakaenzana ne inshuwarisi kana pasina. Tarisa pane chikamu chemutoro wemurwere (deductibles, coinsurance, out-of-network charges) pane chikamu cheinshuwarisi chakabhadharwa. Zvinowanzoitika zvinosanganisira kuderedza out-of-network charges, kubvisa zvinhu zvakapetwa, uye kushandura balance bills kuita in-network rates pasi peNo Surprises Act.

Mangani Unogona Kugara Uchichengetedza Pa Bhiri Rechipatara?

Kutaurirana kwakabudirira kunoderedza bhiri ne 20% kusvika 50%, maererano neHealth Affairs research. Cash settlements dzinogona dzimwe nguva kudzora mabhero ne 60% kana kupfuura. Mabhero akatotumirwa kuchikwereti anowanzo gadzirisa ne 25% kusvika 50% yemari yepakutanga. Kuchengetedzwa kukuru kunouya kana uchibatanidza kwekugadziriswa kwezvikanganiso, rubatsiro rwemari, uye prompt-pay discount.

Zvakadini Kana Chipatara Chakaramba Kutaurirana?

Kumbira kuti zvikwidziridzve. Kumbira financial counselor kana patient advocate, kwete billing rep chete. Kana chipatara chakaramba zvakadaro, isa chichemo kuhofisi yako yemuchinda yepamutemo yenyika yekudzivirira vatengi neCFPB. Zvipatara zvisiri zve purofiti zvine njodzi yekurasikirwa nemutero-wakasununguka kana zvisingatevedzeri mitemo ye IRS Section 501(r) yekubatsira nezvemari.