Indlela Yokuxoxisana Ngebhili Yesibhedlela: Izinyathelo Ezi-6 Zokuyinciphisa Ngo-50%

Ukuxoxisana ngezindleko zebhili yesibhedlela kuyisakhono esifundwa ngabantu abambalwa baseMelika. Umbiko we-KFF ka-2024 ubonisa ukuthi omunye kwabawu-12 abadala unesikweletu sezokwelapha esingaphezu kuka-$1,000, kanti izikweletu zezokwelapha ezingakhokhiwe ezingu-$220 billion zikunkontileka zabathengi. Futhi cishe zonke lezi zimvunulo ziyaxoxisana.

Lesi sihloko sichaza ukuthi yini esebenza lapho uthola ibhili yesibhedlela ephakeme kunalokho obukulindele, kuhlanganise nendlela yokuthola amaphutha ebili lakho, ukuthi yini ongayibuza esinyathelweni ngasinye nokuthi yini ongayisho. Amathiphu kulokhu kuyi-guide avela ku-CFPB, CMS, nocwaningo olubuyekezwe ontanga, hhayi kuma-social media. Lezi zenzo zizosiza iningi labantu ukuthi banciphise izikweletu zabo ngo-20% kuya ku-50%.

Kungani izikweletu zezibhedlela zivame ukuxoxisana

Izintengo zezibhedlela azimisiwe. Ziyahlukahluka kuye ngokuthi isiguli sinomshwalense wezempilo, imiqulu yesibhedlela, nokuthi isiguli sikhokha malini ngokwakhe. Ucwaningo lwakamuva lwezintengo zemali lapho izibhedlela ezingaphezu kuka-2,000 zakhonza olwakhishwa ku-i-JAMA Health Forum ngo-2023 lwathola izintengo zesevisi ethile eziphakeme kuneziphindaphinda eziyi-10 ngaphakathi kwekhodi efanayo yeposi.

Izibhedlela nazo ziyazi ukuthi zithola imali eningi uma zinikeza izaphulelo futhi izikweletu zikhokhwa ngokushesha. Ngakho-ke izibhedlela eziningi zase-US zinikeza izinhlelo zosizo lwezezimali, izaphulelo zokukhokha ngokushesha kanye nezinhlelo zokukhokha (nakuba zingahlale zimenyezelwa).

Futhi kuneziphutha ekubhalweni kwezikweletu. Inhlolovo ye-Medical Billing Advocates of America yathola ukuthi 80% wezimvunulo zezibhedlela zineziphutha, kuhlanganise nokukhokhisa okuphindaphindayo kanye nekhodi yomsebenzi engalungile.

Indlela Yokuxoxisana Ngebhili Yesibhedlela Ngokwezinyathelo Ezi-6

Ukuxoxisana ngebhili yesibhedlela kusebenza kahle lapho uyiphatha njengenqubo ehlelekile. Izinyathelo eziyisithupha ezingezansi zihlanganisa ukuthi yini ongayicela nokuthi ngaluphi uhlelo. Iningi lokuxoxisana kuthatha amasonto angu-2 kuye kwayi-4 kusuka ekuqaleni kuze kuphele.

Qala ngocingo kumnyango webhilingi. Cela ngomusa, thatha amanothi (usuku, igama lommeleli, okwashiwo), futhi uphinde ulandele konke ngokubhala.

Ithuluzi lamahhala njenge-August AI Bill Analyser lingakusiza ukuthi ulayishe ibhili yakho yesibhedlela enemininingwane futhi uhlole ukukhokhiswa okuphindaphindayo, imisebenzi ebhalwe ngendlela engalungile, nezinto eziphakeme kunezintengo ze-Medicare, okukunikeza izinto ezithile ongaziphikisa phakathi kocingo.

Indlela Yokuxoxisana Nezinkokhelelo Zezokwelapha: Amathiphu Okuxoxisana Ngebhili Yesibhedlela

Indlela yokuxoxisana nezinkokhelelo zezokwelapha ngempumelelo incike ekulungiseleleni. Amathiphu okuxoxisana ngebhili yesibhedlela angezansi avela kumihlahlandlela yabantu abathengi ye-CFPB nocwaningo lwabamele iziguli.

• Njalo cela ibhili enemininingwane kuqala. Imigomo kahulumeni ngaphansi kwe-No Surprises Act ifuna izibhedlela ukuthi zinikeze eyodwa ngesikhathi esifanelekile

• Qhathanisa izinkodi zakho nezindinganiso zentengo ze-Medicare ku-CMS.gov's Procedure Price Lookup

• Cela usizo lwezezimali ngokubhala. Izibhedlela ezingazuzi zingayinikeza ngaphansi kwe-IRS Section 501(r)

• Sebenzisa umusho "Ngifuna ukuyiqeda le nkonto namhlanje" lapho ucela isaphulelo semali

• Ungalokothi unikeze ulwazi lwekhadi lesikweletu kuze kube yilapho imibandela isiqinisekiswa ngokubhala

• Linda kuze kube ngemuva kokuthi izinsizakalo seziqediwe kodwa ngaphambi kokuthi ibhili ingene ekuqoqweni (ngokuvamile izinsuku ezingu-90 kuya kweziyi-120 kusukela ekubhalweni)

Uma ibhili yakho yesibhedlela iphakeme kakhulu ngemuva komshwalense noma ungayena umakweshwalense, yisho lokho ngqo. I-CFPB iqaphela ukuthi izibhedlela zibheka kancane iziguli ezizikhokhelayo ngoba zithola ingxenye encane yezikweletu eziphelele.

Isikripthi Sokuxoxisana Ngebhili Yezokwelapha: Okungakushwa

Isikripthi sokuxoxisana ngebhili yezokwelapha sizosebenza kuphela uma usuyazi ukuthi yiziphi izindleko ongaziphikisa. Bambalwa abantu abazenzayo, futhi ihhovisi lebhilingi lesibhedlela ngeke likutshele ukuthi yiziphi. Ingxenye enzima kakhulu yokuxoxisana akuyona ucingo uqobo. Kumayelana nokwazi ukuthi yini engalungile ebili futhi indlela yokuxoxisana ngempikiswano.

Kulapho i-August AI Bill Analyser ingasiza khona. Ufaka ibhili yakho yesibhedlela enemininingwane bese isoftware ihlola ulayini ngamunye ngokuphindaphindayo, imisebenzi ebhalwe ngendlela engalungile, izinto ezikhokhiswa ngaphezu kwezinga le-Medicare, nezinto ezihlale zihlinzekwa izinhlelo zosizo lwezezimali zezibhedlela. Bese yenza incwadi eya esibhedlela ekhomba izinkinga ezitholakele, kanye nezinkodi ezifanele ze-CPT namazinga e-Medicare, ukuze uyithumele njengoba injalo noma wenze izinguquko. Inqubo ephelele ithatha imizuzu embalwa futhi ingena esikhundleni sokuqala ekhasini elingenalutho ngezinto ezithile ongazenza.

Uma usunayo i-analysis kanye nencwadi elungisiwe, ungakwazi:

• Thumela incwadi ngqo ukuze uphikisane ngezinto ezithile (izinkokhelo eziphindaphindayo, izinkodi ezingalungile, izinsizakalo ezingatholwanga)

• Yisebenzise njengekhadi eliwusizo locingo nezinto ezithile ezibhalisiwe namazinga e-Medicare alungele ukubhekwa

• Yinamathisele kuhlelo losizo lwezezimali ukuze usekele icala lakho lokunakekelwa komdla noma isaphulelo

Ngokwe-i-Health Affairs analysis, abantu abaxoxisana ngobufakazi obuqondile nomlando obhaliwe bathola isaphulelo cishe ngama-60% wezikhathi, uma kuqhathaniswa nerejista yempumelelo ephansi kakhulu yabashayayo abaphikisa ibhili ngaphandle kokuqondisa.

Ungaxoxisana Ngezinkokhelo Zezokwelapha Eziqoqwe Kakade?

Yebo, ungaxoxisana ngezinkokhelo zezokwelapha eziqoqwe kakade, ngezinye izikhathi ngamandla kakhulu kunangaphambili. Uma isikweletu sithengiswe ejensi yokuqoqa, ejensi ivame ukukhokha ama-cent angu-5 kuye kwayi-10 ngedola, okusho ukuthi banendawo eningi yokubuyisana.

Ukunciphisa izinkokhelo zezokwelapha eziqoqwe kakade:

• Cela isivumelwano "sokukhokhela ukusula" (ngokubhala) lapho i-ejensi isusa i-akhawunti kusikweletu sakho uma isikhokhelwe

• Nikeza isivumelwano somhlahlandlela esingu-25% kuya ku-50% yenani langempela

• Ungalokothi uvuselele isikhathi sokukhawulela ngokwenza isiphakamiso esincane ngaphandle kwesivumelwano esibhaliwe

• Phikisa isikweletu nama-credit bureaus uma ukholelwa ukuthi ibhili ayilungile (ilungelo lamahhala ngaphansi kwe-FCRA)

Qaphela ukuthi ngaphansi kwemithetho ye-CFPB evuselelwe, isikweletu sezokwelapha esingaphansi kuka-$500 asikwazi ukubukeka kumathegi esikweletu sabathengi, futhi izikweletu zezokwelapha eziningi zinezikhathi ezimfushane zokubika kunamanye izikweletu.

Imibuzo Evame Ukubuzwa

Ungaxoxisana Nezinkokhelo Zezokwelapha Uma Unomshwalense?

Yebo. Ukuxoxisana kuphumelela njengokungena umshwalense noma ngaphandle kwawo. Gxila engxenyeni yesibopho sesiguli (ama-deductibles, i-coinsurance, izindleko zangaphandle kwenethiwekhi) kunengxenye ekhokhelwa umshwalense. Okujwayelekile ukuwina ukunciphisa izindleko zokushaqeka zangaphandle kwenethiwekhi, ukukhipha izinto eziphindaphindayo, nokuguqula izikweletu zokugcwala zibe ngamanani angaphakathi kwenethiwekhi ngaphansi kwe-No Surprises Act.

Ungalondoloza Kangaki Ebili Yesibhedlela?

Iningi lokuxoxisana okuphumelelayo kunciphisa ibhili ngo-20% kuya ku-50%, ngokocwaningo lwe-Health Affairs. Izivumelwano zemali zingase zinciphise izikweletu ngo-60% noma ngaphezulu. Izimvunulo esezithunyelwe ekuqoqweni zivame ukubuyisana ngo-25% kuya ku-50% yenani langempela. Ukonga okukhulu kwenzeka lapho uhlanganisa ukulungiswa kweziphutha, usizo lwezezimali, kanye nesaphulelo sokukhokha ngokushesha.

Kuthiwani Uma Isibhedlela Senqaba Ukuxoxisana?

Cela ukuthi kuphakanyiswe. Cela umeluleki wezezimali noma ummeli wesiguli, hhayi nje ummeleli webhilingi. Uma isibhedlela sisangakhululeki, faka isikhalazo ehhovisi lakho lesimemezeli sombuso lokuphatha abathengi kanye ne-CFPB. Izibhedlela ezingazuzi zingalahlekelwa isimo sabo sokuba nezimvume zentela uma zingalandeli imiqulu yosizo lwezezimali ye-IRS Section 501(r).