Oko kufuneka ukwazi ngokudluliselwa komoya
Ukukhutshwa kwe-Ambulance Air kungafakwa kwi- inshorensi yempilo okanye kwimigaqo-nkqubo ye-inshorensi yokuhamba.
Iinkonzo zee-ambulensi zomoya kunye nokuthuthwa kwezonyango zomoya akuyona into esivame ukucinga ngayo xa sisempilweni. Kubalulekile ukuphonononga i-inshurensi yakho yokuhamba okanye u-inshorensi yokunakekelwa kwempilo yonyango kwangaphambili ukukhetha umgaqo-nkqubo onika i-ambulensi yomoya ngeendleko zingaphantsi kwee-pocket , i- deductibles efanelekileyo kunye ne-inshurensi esebenzayo.
Yintoni i-ambulensi yomoya?
Inkcazo ye-ambulensi yomoya, eyaziwayo njengezothutho lomoya, naluphi na uhlobo lweenqwelo zomoya ezixhotyiswe ngemveliso yonyango, izixhobo kunye nabaqeqeshi bezonyango abaqeqeshekileyo abaya kunika unyango lwezonyango kwisigulane ngexesha lothutho ukuya kwiziko lonyango ngokukhethekileyo ekuphenduleni Izidingo zonyango zesigulane sothutho. I-ambulensi yomoya idlulisela izigulane kwiindawo zonyango xa ezinye izithuthi zingazinako ukufumana unyango oluyimfuneko.
I-ambulensi yomoya ingaba yinqwelo-moya okanye inqwelo-moya, umsebenzi wayo kukuqinisekisa ukunakekelwa kwonyango olungcono ngexesha lokuthunyelwa kwesigulane kwiziko lezonyango okanye esibhedlele esilungele ukujongana kakuhle nesimo, ukulimala okanye ukugula.
Ii-ambulensi zasemoyeni zisetyenziswa kakhulu kwiimeko zonyango ezixakeka okanye kwiimeko apho ixesha liza kubangela ukuba isigulane sithole unyango. Ukukhutshwa kwe-ambulensi ye-Air ingafakwa phantsi kwe- inshorensi yempilo okanye ipolisi yomshuwalense wokuhamba .
Ukudluliselwa kwee-ambulensi zomoya ziyasebenza ...
- Xa ukalimele ngexesha lokuhamba kwaye ungathanda ukuthunyelwa ekhaya ukufumana unonophelo kufuphi nekhaya
- Ukuba udinga ukuya kumaziko enyango ukuze unyango olulodwa
- Ukuba ufuna ukuthunyelwa kwiziko lokubuyisela ukufumana unonophelo oluthile
- Ukuba ukuthuthwa ngumhlaba akunakwenzeka okanye kuya kunika ingozi kwimpilo yakho
- Xa ukuhamba ngokukhawuleza kuyimfuneko
Ingakanani i-ambulance yomoya?
Ngokwe-National Association of Commissioners Insurance (NAIC) iindleko eziqhelekileyo zendiza enye ye-air ambulance flight between $ 12,000 ne $ 25,000.
Ingaba i-ambulensi yomoya ingafunyanwa yinshuwalense yonyango okanye i-inshurensi yokuhamba?
- Xa ugqirha oya kwimeko yongxamiseko ucebisa i-ambulensi yomoya ngenxa yokuba kuyimfuneko yempilo
- Xa isigulane sithola itekisi yonyango
Inkcazo: Imidingo iyimfuneko
Imfuneko yempilo ibhekiselele kunyango olufunekayo ukukhusela, ukuxilonga, okanye ukunyanga ukugula, ukulimala, imeko, okanye isifo ngokwemigangatho yonyango yangoku. Unonophelo lwempilo oluyimfuneko lunokubhekisela kwiinkonzo okanye ngokubonelela kwaye kufuneka kuthathwa njengemfuneko yonyango ngugqirha wezonyango.
Umzekelo, ukuba i-ambulensi yomoya ithathwa njengemfuneko yonyango, kwaye akukho nenye indlela isigulane sokufumana unyameko, ukuxilongwa okanye unyango, ngoko unokuthi ifakwe kwinqanaba le- inshurensi okanye ye- inshurensi yempilo ejongene neendleko zee-ambulensi zomoya.
Kufuneka nini i-ambulance emoyeni?
Ukuba usenobungozi obukhulu okanye unesimo apho ungeke usinde kwindlela yokukhawuleza kwi-ambulensi yomhlaba, i-ambulensi yomoya ingaqhagamshelana ukuba ifike ngokukhawuleza ngqo kuwe. I-ambulensi yomoya inabasebenzi bezobugqirha ebhodini kunye nesibhedlele esincinci apho banokuqala ukukuphatha njengoko usuka kwiziko lonyango elifanelekileyo.
Ngubani oza kufuna i-ambulensi yomoya?
Nantsi imimiselo yexesha xa ungadinga i-ambulensi yomoya ngenxa yongxamiseko:
- Xa ezinye iindlela zokuthuthwa kwezonyango ziza kuba yingozi empilweni yakho okanye ziza kuphazamisa impumelelo yenkqubo efunekayo yonyango.
- Xa uphalala ngaphaya kolawulo lweenkonzo eziqhelekileyo zezigulane
- Xa ufuna i-oksijeni, inkxaso yokuphila okanye olunye uncedo lwezonyango ngexesha lokuthutha elingenakufezwa ngeenkonzo eziqhelekileyo
- Ii-ambulensi zomoya zisoloko zisetyenziselwa kwiimeko ezibandakanya ukubetha, ukuhlasela kwentliziyo, ukutshatyalaliswa, ukulimala kwentloko, ukulimala kwentloko yomgudu kunye nokufakelwa
Ukuthuthwa komoya nge-ambulensi yomoya kuqhelekile xa indawo yokulimala iindawo ezikude apho izithuthi eziqhelekileyo zingenakufikeleleka lula okanye imimandla emikhulu kufuneka ihambe ngokukhawuleza.
Ngaba imvume iyadingeka ngaphambi kokuba i-ambulensi yomoya ihlanganiswe yinshuwalense?
Nangona ugqirha unxunguphalo lincoma i-ambulensi yomoya, kuya kufuneka kuphunyezwe yi-inshurensi yakho yezempilo okanye yehambo. Ugqirha osebenza kwinkampani yakho yomshuwalense uza kuhlolisisa isicelo kunye nesimo kwaye anqume ukuba ngaba ngokwenene kuyimfuneko yonyango ngamanqanaba empilo okwangoku. Inkampani yakho yomshuwalense kufuneka ivume isincomo se-ambulensi yomoya okanye ungeke uhlanganiswe.
Ingaba i-inshurensi ifihla iindleko ze-ambulensi yomoya?
Abantu abaninzi abanomshuwalense ngokusebenzisa umqeshi wabo, i-inshurensi yokuhamba ngasese okanye isicwangciso se-inshurensi yezempilo, iMedicaid okanye iMedare ingacingi kabini nge-bill ye-ambulensi ngenxa yokuba bacinga ukuba inkampani yomshuwalense iyayihlawula. Ukunikezelwa kwamagatya kwiinkampani ze-inshorensi zempilo kunye neendlela zokuhamba njengeentengo kunye ne-inshurensi yomshuwalense, nakwiimeko apho kunikwa inkxaso, unokugqiba nge-bill bill. Iimvulance zomoya azihlanganisi ngokuzenzekelayo kwaye zixhomekeke kwiinkcazo zeemeko nganye kwinkampani yomshuwalense.
Hlola iinqununu ze-inshurensi kunye ne-co-inshorensi yomshuwalense womoya we-ambulensi
Akufanele uphinde uthathe iindleko ezipheleleyo zezothutho zomoya okanye i-ambulensi yomoya iya kugutywa. Ukuba awuhlolisanga nenkampani yakho yomshuwalense kuqala, unokuphela ukuhlawula amawaka eedola ngaphandle kwipokoth. Iindleko ezihambelana nama-ambulensi zomoya zivela kwi: i-air ambulance yenkampani esetyenziswayo, iinkonzo ezinikezwa yi-ambulensi yomoya kunye nomgama wokuhamba esibhedlele.
Yiyiphi imingcele kunye nokufunyanwa kwintengiso ye-ambulensi yomshuwalense?
Ukugqithiswa kwezothutho lwangxamiseko lwangaphandle kuya kuhluka ukusuka kummandla ukuya kutsho kunye nohlobo lwe-inshorensi kunye nenkampani. Unokuqhagamshelana neofisi yomshuwalense wakho welizwe ukuze ufumane eyongezelelekileyo malunga ne-inshorensi ekhoyo kwindawo yakho ukuba awuqinisekanga. Ezinye iinkampani ze-inshorensi zichaze iimeko ezithile apho i-coverage inganikezelwa ngokupheleleyo okanye inxalenye yeenkonzo zothutho zomoya. Kubalulekile ukuqaphela ukuba ezinye iinkampani zomshuwalense ziya kunciphisa uhlobo lwenqwelo-moya ehlanganiswe phantsi kwe-ambulance air coverage. Abatshutshisi banokugqiba nokuhlawula kuphela isahlulo seendleko abazibonayo "eziyimfuneko", ezifana nezinye iindlela zokusebenza ngomshuwalense wezempilo. Kwiimeko ezinjengeli, intsalela yebhiliki ingaba ngeendleko zakho.
Indlela yokuqinisekisa ukuba unobhajethi yomoya nge-inshurensi yakho
I-Ambulance yomoya ingafakwa phantsi kweprogram yakho yinshuwalense yezempilo okanye i-inshurensi yakho yokuhamba. Qhagamshelana nenkampani yakho yomshuwalense, umqeshwa wecebo lomlawuli okanye ummeli wakho we-inshurensi ukuba ubone ukuba yeyiphi i-ambulensi ye-ambulance. Ukuba awunomuvo wokuba umgca waneleyo uze ucele inkampani yakho yomshuwalense ukuba unako ukongeza ingcaciso engaphezulu kwipolisi yakho ye-ambulensi yomoya. Unokujonga kwakhona ukuba uhlanganiswe phantsi kwesicwangciso se-inshorensi yezempilo, okanye phantsi kweenzuzo zeqabane . Kwiimeko ezinjengeli, unokujonga kwakhona ukunciphisa iindleko usebenzisa ukulungelelaniswa kwezibonelelo . Ukuba uvakalelwa ukuba ufuna uncedo oluthe xaxa ungadinga ukuhlaziya kwakhona iimfuno zakho ze-inshurensi kwenye inkampani yomshuwalense.
Ngaba ii-ambulensi zomoya kuphela zezoxakeka?
Ngokombutho weeNkonzo zoNyango zonyango, abantu abangaphezu kwama-550,000 basebenzisa uhambo lwezonyango zomoya emoyeni e-US I-ambulensi yomoya yindlela yothutho lwezonyango ezisetyenziswa kwiimeko ezininzi. Akunjalo rhoqo kwiinkonzo ezingxamisekileyo zonyango. Ngokuqhelekileyo inkonzo inokuthi ithathelwe ingqalelo kwimpilo efunekayo kodwa ingenakho ukukhawuleza ngokukhawuleza esiyicinga ngayo. Inkathalo ingafuneka ngexesha lothutho, kodwa ixesha lokuthutha alisoloko liyimfuneko ukuba libe khona. Izibhedlele eziqhelekileyo zidibanisa ukuthutha izigulane kwaye ziyakwazi ukuseta ishedyuli ekuncedeni ukunciphisa iindleko zothutho lwezonyango ukuba iinkonzo zothutho lomoya ziyimfuneko yonyango kodwa kungxamisekileyo.
Umzekelo wezothutho lomoya oluyimfuneko olungxamisekileyo
UMark uphathwe ngokulandela ingozi ye-ski kwi-XYZ Hospital. Ngelishwa, nangona uMarko uzinzile okwethutyana, Isibhedlele se-XYZ yinkonzo yokunakekelwa ngongxamiseko, kwaye uMark ufuna iimvavanyo ezingakumbi kunye nophando olulodwa. Isibhedlele esikufuphi esifanele kakhulu ukuba sihambe nge-ambulensi ngenxa yokulimala kwakhe, ngoko ugqirha ucebisa ukuthuthwa komoya ukuze kufike uMarko kwisibhedlele esikufutshane esingafumana iinkonzo ezongezelelweyo ngaphandle kokubeka impilo kaMark engozini. Balungiselela ukuthuthwa kwintsimbi elandelayo emva kokunyamekela ngokukhawuleza, kodwa kusenokwenzeka ukuba kunonyameko oluphambili oluya kubakho kwizothutho lomoya, i-ambulensi yomoya ingafika ngosuku olulandelayo.
Ingaba iinkonzo ze-ambulensi zomoya zifunyenwe yi-Medicare okanye i-ACA?
I-Medicare okanye i-Affordable Care Act (ACA) inokuhlawula iinkonzo ezibalulekileyo ezinjengezothutho zomoya-moya xa kungekho nenye indlela yezothutho ekhoyo kwaye ukuba ihlangabezana neendlela zokuqwalaselwa eziyimfuneko. Kubalulekile ukuba uqaphele ukuba le ngxelo ingaba yinto echithwayo kwaye emva koko igatya lomshuwalense wecebo, ngoko uza kugqiba ukuhlawula inxalenye yeendleko eziphuma kwipokheji nokuba ngaba ihlanganiswa yinshuwalense.
Isaziso sokufumana umvuzo (ABN)
Ukuba iinkonzo ze-ambulensi zomoya zithathwa njengezonyango eziyimfuneko, kodwa kungengxamisekileyo, kwaye zingenakukhutshwa, ungayifumana "Isaziso Sokuxhamla Isibonelelo Sengenanto" (ABN) esiya kukucebisa ukuba uya kuthweswa uxanduva kwiintlawulo zonke, ngoko ke waqaphela ngaphambi kokuba athathe inkonzo.
Umzekelo we-ambulensi yomoya kunye ne-Obamacare coverage
Ngaphantsi koMthetho wokuNakekelwa kwezeMpilo ongenakunceda xa kuyimfuneko yezonyango, ukuthuthwa komoya kungabhekiswa phantsi kweenkonzo eziyimfuneko. UMariya wayenobungozi obunzima kwaye ukuze agcine ubomi bakhe, ugqirha wakhe wakhuthaza ukuthuthwa kwezonyango esibhedlele esiseduze ukuba unokukwazi ukumnika unyango olungxamisekileyo olufunekayo. I-ambulensi yomoya yabiza i-$ 29,000, yayinemali engama-5000 echithwayo kunye ne-30/70 ye-inshorensi yomshuwalense. Xa iinkonzo ze-ambulensi zomoya zivunyiwe, akafumananga iindleko zee-ambulensi zedola-mali ezingama-29,000 zama-$ 29,000, wathabatha imali engama-29,000 engaphantsi kwe-5000 ye-deductible yakhe, ngaphantsi kwe -inshurensi ye- 30% (i-$ 7,200), ngokuhlawula i-$ 16,800. Ngenxa ye-deductible kunye nentsebenziswano ye-inshurensi, wahlawula i-$ 12,200 ephaketheni.
Uya kuthatha phi i-ambulensi yomoya?
Ngokuxhomekeke kwi-health coverage yakho, i-ambulensi yomoya inokuthabatha kwisiza sonyango esiseduze apho unokunyangwa khona, okanye ukuba isivumelwano sakho sinikeza inqanaba eliphezulu lokubhengezwa, kunokuthatha yonke indlela ekhaya. Yilapho kubakho kubalulekile ukuqonda ngokugcwele ugcino oluthengiweyo kwaye kusekelwe kwimeko yakho kunye neentlobo zemisebenzi okanye iindawo oza kuhamba kuzo, kufuneka wenze isigqibo malunga nokuba uncedo olunjani lwe-ambulensi ye-air.
Ingaba i-ambulensi yomoya okanye ukuthuthwa komoya wezothutho ukuthuthwa kweqabane, inxhomekeke okanye iqabane?
Ngokuxhomekeke kwi-inshorensi yakho yezempilo okanye uhambo lwe-inshurensi yokuhamba, ukuba i-ambulensi yomoya igutyungelwe, iinkampani ze-inshorensi ziyakuthi zibandakanye ukuxhaswa kwilungu leentsapho ezihamba kunye okanye umlingane ofunekayo kwi-coverage. Qinisekisa ukuba ubuze ummeli wakho we-inshorensi malunga nalokhu.
Ingaba inkonzo ye-ambulensi yomoya wangasese yinto efanelekileyo?
Kukho iinkonzo ezahlukeneyo zee-ambulensi zomoya zangasese ezikhoyo. Ezi nkonzo zijongwa ngokubanzi kubahambi abafuna ukukwazi ukuphinda babuyele kumgqirha wabo okanye kwisibhedlele ukuze baphathwe xa befuna ukunakekelwa kwezokwelapha ngelixa besuka ekhaya. Ukuba ukhetha ukusebenzisa enye yabanikezeli bee-ambulensi zomoya zangasese nceda ukhumbule ukuba nangona zinkonzo ezintle azinako ukubonelela zonke iigulane zifuna okanye zifihla zonke iindleko zesevisi ye-ambulensi yenkonzo oyikhethayo. Ukuba ufuna ukulungelelanisa i-ambulensi yakho yomoya kufuneka udibanise nomnikezeli womshuwalense wakho wezempilo ngaphambi kokuzibophezela okanye unokufumana ukuba ibango lakho liya kulahlwa. Abanikezeli bee-ambulensi zangasese bendlala bafumana inkonzo yokunxibelelanisa i-inshorensi, ke qi niqiniseke kwaye niyifumane ngaphambi kokuthenga inkonzo ukuba banokukunceda ulungelelanise ne-inshurensi yakho kwaye uchaze ukuba yiziphi iindleko eziza kuhlawulwa okanye ezingayi kubalwa. Kwakhona, into engcono kakhulu yokwenza kukuqinisekisa ukuba ucela imibuzo eninzi kwaye ufunde iipontrakthi ngokucophelela ngaphambi kokuya kwinkonzo ye-ambulensi yomoya.
Qaphela i-ambulensi zomoya zangaphandle
Nangona i-Ambulance ye-Air ihlanganisiwe, qinisekisa ukuba i-inshorensi yakho yezempilo iya kwamkela inkonzo ye-ambulensi yenkonzo oyisebenzisayo. Ukuba i-Ambulance ye-Air "ye-Out-of-network" awuyi kubuyiselwa iirhafu, okanye inokuhlawulwa kuphela kwisixa esithile. Buza umniki wakho we-inshurensi malunga neenqwelo zee-ambulensi zomoya kunye nento omele uyenze xa ufuna i-ambulensi yomoya, okanye ungekho esikhwameni kwiindleko ezibizayo. Ngokutsho koMbutho weSizwe we-Arms Commissioners , oku kungabiza abathengi amashumi amawaka idola.