Pezani ngati inshuwalansi ikulipirira mtengo wonse wa chapamimba
Mtengo wa opaleshoni opitirira opaleshoni ndizofunika kwambiri kwa iwo omwe akufuna kuti achite. Odwala ambiri amadzifunsanso ngati inshuwalansi ikhoza kulipira. Kukhala ndi inshuwalansi yachipatala sikukutanthauza kuti simusowa kulipira zonse kapena mbali imodzi ya ndondomeko nokha. Nkhaniyi ikuthandizani kuphunzira zambiri za momwe mungaperekere opaleshoni ya bariatric.
Mtengo wa Opaleshoni Yopangira Gastric
Malinga ndi National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK), chiwerengero cha opaleshoni cha opaleshoni chimadya pakati pa $ 20,000 mpaka $ 25,000 pafupipafupi.
Zomwe zilipo kapena ayi, ndondomeko zomwe zimagwiritsidwa ntchito ndi inshuwalansi ya umoyo zimadalira kampani yanu ya inshuwalansi, mkhalidwe wanu, ndi ndondomeko yanu, mwa zina.
Kodi Inshuwalansi Idzalipereka?
Ndikofunika kuti muwerenge ndondomeko yanu kapena muyankhule ndi kampani yanu ya inshuwalansi mwachindunji kuti mudziwe ngati muli ataphimbidwa. Ndondomeko zina za inshuwalansi zimatsutsana kwambiri ndi chithandizo cha kunenepa kwambiri, opaleshoni yolemetsa , komanso chisamaliro chofanana, chomwe chimatanthauza kuti sichidzalembera milandu yowonjezera yomwe mungakhale nayo pokonzekera, kukhala, kapena kubwezeretsanso njira yanu yochepetsera.
Mpata wanu wokhala ndi inshuwalansi chifukwa cha kupweteka kwa chifuwa chawonjezeka ngati muli ndi matenda chifukwa cha kunenepa kwambiri ndipo ngati dokotala wodalirika akuvomerezedwa.
Kodi Mungatani Kuti Mupeze Inshuwalansi?
Ngati muli ndi HMO, mudzawona dokotala wanu wamkulu kuti mupeze chiyanjano chake musanawone katswiri ngati dokotala wa opaleshoni .
Mukadzawona katswiri ndipo mwakhala wovomerezeka kuti mukhale opaleshoni yolemetsa, muyenera kuyamba ndondomeko yoyenera.
Njira yovomerezeka ya opaleshoni yolemetsa ingakhale yovuta kwambiri kusiyana ndi njira zina zamankhwala. N'kutheka kuti kampani yanu ya inshuwalansi idzapempha dokotala wanu komanso dokotala wanu opaleshoni kuti atumize chinachake chomwe chimatchedwa "kalata ya zofunikira zachipatala" monga gawo la opaleshoni yolemetsa.
Kwenikweni, madokotala anu amauza kampani ya inshuwalansi momwe njirayi idzasinthire thanzi lanu ndi moyo wanu wonse.
Panthawiyi, pempho lanu lovomerezeka livomerezedwa, likutsutsidwa, kapena kampani ya inshuwalansi idzapempha zambiri. Madokotala anu angafunikire kutsatila foni, malemba ena, kapena makalata oonjezera monga akufunsidwa ndi kampani yanu ya inshuwalansi.
Ngati mwatsutsidwa chisanachitike ndi kampani yanu ya inshuwalansi, mukhoza kuitanitsa chisankhocho. Mapulani onse a inshuwaransi amapereka ndondomeko yotsutsa ndipo akuloledwa mwalamulo kuti akuululire kwa iwe ufulu wako wopempha. Nthawi zambiri mumaloledwa mawindo a masiku 30 mpaka 60 kuchokera tsiku limene munakanidwa kuti mutenge. Njirayi imayamba ndi kalata yodandaula yomwe imatumizidwa kwa kampani ya inshuwalansi ndi dokotala wanu, ndi dokotala wanu wamkulu.
Yerengani Mtengo Wonse
Anthu amene opaleshoni yawo imayambitsidwa ndipo yophimbidwa ndi inshuwalansi ayenera kukumbukira kuti ali ndi ndalama zothandizira ndalama kapena ndalama za inshuwalansi zomwe zidzafunike kulipidwa. Ndikofunika kumvetsetsa ndalama zonse zomwe mwadutsa musanapange chisankho chanu chomaliza. Lankhulani ndi dokotala wanu za chisamaliro chotsatira, ndi njira zotha kuchitidwa opaleshoni (monga khungu lomangiriza kukonza khungu ) zomwe mungafunike.
Izi ziyenera kuwonetsedweratu ndi inshuwalansi ya thanzi lanu. Ngati sichoncho, funsani wopereka wanu ndikufunseni mafunso enieni kuti mudziwe ndalama zomwe mukufuna kuziyika.
Medicare Coverage
Odwala ambiri amafuna kudziwa ngati Medicare ikuphimba mtengo wa chapamimba. Ndipotu pulogalamu ya umoyo ya boma imaphatikizapo opaleshoni ya bariatric ndi bandida laparoscopic . Ngati muli pa Medicare, gawo lina la ndalama za opaleshoni yowonongeka ndi yothandizira yowonjezera ikhoza kuphimbidwa, koma nthawi zambiri mukakhala ochepa kwambiri ndipo mukudwala matenda okhudzana ndi kunenepa kwambiri monga matenda a shuga 2 kapena matenda a mtima.
Pogwiritsa ntchito ndalama zomwe mukuyenera kuziphimba, muyenera kutero pa malo ovomerezeka a Medicare.
Odwala Amene Amalipira Gastric Bypass
Ngati mulibe inshuwalansi ya umoyo, kapena, inshuwaransi yanu siimaphatikiza opaleshoni yolemetsa, muyenera kudalira nokha ndalama zanu. Izi zimatchulidwa kukhala wodwala wodzipereka. Mazipatala amapereka ndondomeko za malipiro a mautumiki ena omwe amakulolani kubwezera ndalama zina kapena zonse zomwe mumagula m'malo molipira ndalama imodzi. Njira ina ndikutenga ndalama zapadera kuchokera kwa wobwereketsayo kwa ndalama zanu, koma monga ndi mtundu uliwonse wa ngongole, muyenera kulingalira za ndalama zowonjezera (chiwongoladzanja) ndi ndalama.
Chiwerengero cha Gastric Bypass ndi Aftercare
Ngati mwasankha kupeza ndalama zothandizira ndalama kuchokera kwa wogulitsa ngongole, muyenera kuwononga zonse zomwe mudzakumane nazo pakuwerengera ndalama zomwe mukufunikira. Dokotala wanu akhoza kukupatsani inu zambiri zokhudza ndalama zomwe munkayembekezera.
Zomwe zimaphatikizapo ndi:
- Akatswiri a zamaganizo
- Malingaliro odyetsa zakudya
- Dokotala wa opaleshoni
- Anesthesia ndalama
- Mayesero azachipatala omwe adzafunika asanayambe ndi pambuyo pa opaleshoniyo
- Mankhwala
Kaya mumasankha ndalama zapadera kapena ndondomeko ya chiwongoladzanja ndi chipatala, mufunikira kukhazikitsa ndondomeko yomwe malipiro anu adzakhalire, ndipo ngati akuyenera kubwereza mlungu uliwonse kapena mwezi uliwonse, kotero mukhoza kukonza bajeti yanu molingana.
* Nkhaniyi inasinthidwa ndi Malia Frey, Expert on Weight Loss
Zotsatira:
HHS / Centers for Medicare ndi Medicaid Services. Medicare Akulongosola Zowonjezera Zachigawo za Bariatric Surgery Procedures, 21 February 2006.
Manfred, Erica. Cholinga cha Dotolo pa Kuchita Opaleshoni Yopatsa Mphamvu . West Hurley, NY: Fredonia Communications, 2001.
National Institute of Diabetes ndi Matenda a Kumimba ndi Impso. Opaleshoni ya Bariatric Kwa Kulemera Kwambiri.