Izvo zvaunoda kuziva pamusoro pekuendeswa kwemhepo
Air airbullet coverage inogona kuiswa muhutano inshuwarhu kana kufamba mainishuwarenzi.
Air ambulance services uye kutakura kwekutakura mune zvekutengesa haisi chinhu chatinofunga pamusoro pedu kana tine utano hwakanaka. Zvakakosha kugadzirisa kufamba kwako inshuwarisi kana hutano hwehutano hwehutano husati hwasarudzwa kusarudza mutemo unopa hutachiona hwemagetsi yepamusoro nechepasi kunze kwehomwe mari, kubhadhara zvinokwanisika uye iyo inshuwarisi inoshanda zvakakunakira iwe.
Ndeipi ambulensi yemhepo?
Tsanangudzo yemhepo inoenda kumagetsi, iyo inozivikanwawo sekutakura kwemhepo mune zvehutano, chero ipi zvayo ine ndege yakagadzirwa nemishonga yezvokurapa, zvigadzirwa uye vashandi vezvokurapa vanokwanisa vanozopa mishonga yepamusoro kuchiremba kumurwere paanotakura kune imwe nzvimbo yezvokurapa inokosha mukupindura Zvido zvezvechiremba zve murwere pakutakura. Mhepo yemagetsi inotakura varwere kune zvipatara kana zvimwe zvikepe zvisingakwanisi kuti vawane rubatsiro rwakakodzera rwekurapa.
An ambulensi yemhepo inogona kunge ine helikopta kana ndege, chinangwa chayo ndechekuita nharo yepamusoro yekurapa panguva yekuendesa murwere kuchipatara kana kuchipatara chakagadzirirwa kutarisana nemamiriro ezvinhu, kukuvara kana kurwara.
Air ambulensi yemhepo inonyanya kushandiswa mumamiriro ekurapa anomhanyirira kana mamiriro ezvinhu apo nguva ndeyezvakakosha mukubatsira murwere kugamuchira kurapwa. Air ambulance coverage inogona kuvharwa pasi pe inshuwarhu yehutano kana kufamba inishuwarenzi .
Air transfer ambulance inobatsira ...
- Apo iwe wakakuvadzwa munguva yerwendo uye unoda kutakurwa kumba kuti ugamuchire kuchengetedzwa pedo neimba
- Kana iwe uchida kuenda kune zvipatara zvekurapwa kwakanyanya
- Kana iwe uchida kuendeswa kunzvimbo yekuvandudza kuti ugamuchire kutarisirwa kwakanyanya
- Kana kutakurirwa pasi hakugoneki kana kuti kuchapa mungozi kuhutano hwako
- Apo kutakura nokukurumidza kunokosha
Ko ingirozi yemhepo inodhura zvakadini?
Maererano neNational Association of Insurance Commissioners (NAIC) inodhura bhadharo yemhepo imwe yemabhurani ndege iri pakati pe $ 12,000 ne $ 25,000.
Ndeipi iyo ingangokwanisa kuvharidza ambulensi yehupenyu nehutano inshuwarisi kana kufamba inshuwarisi?
- Apo kuendesa chiremba pane imwe nhamo inokurudzira kuti ambulense yemhepo inokonzerwa nekuti iyo inoda kurapa
- Apo murwere anogamuchira tsamba yezvokurapa zvinodiwa
Tsanangudzo: Mishonga Inokosha
Kunyanya kukosha kunoreva kurapa kunotarisirwa kudzivirira, kuongorora, kana kubata chirwere, kukuvadza, chimiro, kana zvirwere maererano nemanhasi ekurapa. Kuchengetedza kwehutano kunotarisirwa kunogona kureva zvimwe zvekushandira kana zvigadzirwa uye kunofanirwa kuonekwa zvichidiwa nemishonga nechiremba.
Somuenzaniso, kana ambulensi yemhepo inonzi inofanirwa nemishonga, uye hapana imwe nzira yokuti murwere agamuchire kutarisirwa, kuongororwa kana kurapwa, zvino inogona kuvharwa nehufambiro kana hutano hwehutano hwehutano hunofukidza mari yemagetsi emagetsi.
Ndeipi iyo ambulensi yemhepo inenge ichidiwa?
Kana iwe wakanga uine njodzi yakakomba kana iwe uri mumamiriro ezvinhu apo iwe ungasapona rwendo rwekukurumidzira mune imwe ambulensi yenyika, ambulense yemhepo ingasangana kuti ikurumidze kuuya kwauri. Iyo ambulensi yemhepo ine vashandi vezvokurapa vari muchikepe pamwe neine mini-chipatara umo vanogona kukurumidza kukubata iwe paunenge uchibhururukira kune imwe nzvimbo yekurapa yakakodzera.
Ndiani aizoda air ambulensi?
Heano mimwe mimwe mienzaniso yekuti iwe unogona kudii ambulensi yemhepo semugumisiro wekukurumidzira:
- Apo dzimwe nzira dzokufambisa mune zvehutano dzaizova nengozi kuhutano hwako kana kuti dzingakanganisa kubudirira kwehutano hunoda hutano.
- Paunenge uchibuda ropa kunze kwekutonga kwemazuva ose emabasa ekufambisa
- Apo unoda okisijeni, rubatsiro rweupenyu kana humwe rubatsiro rwezvehupakati munguva dzekutakura izvo zvingasakwanise kuitwa nekugara nguva dzose
- Air ambulensi inowanzoshandiswa mumamiriro ekubatana nemarwadzo, kushaya mwoyo, kupisa kutarisira, kukuvadzwa musoro, musana wechipfupa kukuvadza uye kuchinja
Kufambisa kwemhepo kuburikidza nemumhepo yepamusoro ambulensi inowanzonzi kana nzvimbo yekukuvadzwa inzvimbo iri kure kure uko kutakura nguva dzose kusingawaniki nyore kana kurema kwakakura kunofanirwa kufamba nokukurumidza.
Ko kubvumirwa kunotarisirwa mushure mokunge ambulensi yemhepo yakafukidzwa nenishuwarenzi here?
Kunyangwe kana chiremba mune dambudziko rinokurudzira ambulensi yemhepo, inofanirwa kubvumidzwa nehutano hwako kana kuti inshuwarisi yekufamba. Chiremba ari kushanda yekambani yako yveshuwarenzi ichaongorora chikumbiro uye mamiriro ezvinhu uye sarudzo kana iri chaizvoizvo inotarisirwa nehutano nehuwandu hwehutano hwehutano. Inishuwarenzi yako yekambani inofanirwa kubvumirana nekurudziro yemhepo yekudzivirira ambulensi kana iwe haugone kuvharwa.
Inishuwarenzi inobhadhara mari yeiyo ambulensi yemhepo?
Vanhu vakawanda vane inshuwarisi kuburikidza nevanoshandira, pamba yehupfambi inshuwarano kana yehutano inshuwarano chirongwa, Medicaid kana Medicare havafungi kaviri pamusoro pekubhadharwa kwema ambulensi nokuti vanofunga kuti kambani ye inshuwarisi inoiripa iyo. Zvichipa zvikamu zvehutano nekufamba mainishuwarenzi semitemo yakadai sekubviswa uye co-inshuwarisi, kunyange mumamiriro ezvinhu apo kugoverwa kunopiwa, iwe unogona kuguma uine chikwereti chikuru. Air Ambulances haisi kuvharwa uye inonzwisiswa nemamiriro ezvinhu nekambani ye inshuwarisi.
Chengetedza zvinyorwa zvitsva uye co-inshuwarisi yemhepo inogadzirisa ambulensi inshurenzi
Iwe haufaniri kumbofungisisa zvizere zvekutakura kwemhepo kana kumhepo yeguruvheti ichavharwa. Kana iwe usingatauri nekambani yako ye inshuwarisi pakutanga, unogona kuguma uchibhadhara zviuru zvemadhora kubva muhomwe. Mari dzinoshandiswa nemabhadhari emhepo dzinobva kune: kambani yemhepo inoshandiswa mumhepo, iyo michina inopiwa nemhepo yepamhepo uye kuenda kure kuenda kuchipatara.
Ndezvipi zvisingakwanisi uye zvisingabvumirwi mumhepo yekudzivirira ambulensi inshuwarheni?
Kugoverwa kwekufambisa kwekutengesa kwepamhepo kunoparadzaniswa kubva kune imwe nyika kuenda kune imwe nyika uye nehushuwarisi rudzi nekambani. Iwe unogona kutaura nehofisi yako yehurumende inshuwarisi yemuhofisi kuti uwane zvakawanda pamusoro peinishuwarenzi inowanikwa munharaunda yako kana iwe usina chokwadi. Mamwe makambani emishuwarisi anotaura mamiriro ezvinhu chaiwo ayo kugoverwa kunogona kugoverwa zvachose kana kuti chikamu chekufambisa kwemhepo. Zvakakosha kucherechedza kuti mamwe makambani einishuwarenzi achagadzirisawo rudzi rwendege yakavharwa pasi pemhepo yekuvharidza ambulensi. Vatsigiri vanogonawo kusarudza kubhadhara chikamu chemari yavanoona "inonzwisisika", yakafanana nemamwe nzira yehutano hwehutano huri kushanda. Mumamiriro ezvinhu akadai, zvakasara zvebhadharo zvinogona kunge zviri pamari yako.
Nzira yekuita sei kuti une air ambulance coverage mu inshuwarisi yako
Air Ambulance inogona kuvharwa pasi pehutano hwako hwehutano inshuwarheni kana rako rekuenda inshuwarisi. Taura nekambani yako ye inshuwarisi, mushandi anobatsira chirongwa chemugadziri kana mujeri wako wehushuwarisi kuti uone kuti chii chingave chekuvhara maambulensi emhepo. Kana iwe usingafungi sekuti kuvhara kwakakwana zvakabvunze kambani yako yveshuwarensi kana iwe uchigona kuwedzera kugoverwa kwepurogiramu yako yemudhudhudhu wemhepo. Iwe unogonawo kuongorora kana iwe uri pasi pehutano hwehutano hwehutano hwemudzimai, kana pasi pevashandi pamwe chete . Mumamiriro ezvinhu akadai, iwe unogona kutarisa mukuderedza kudhura uchishandisa kuwirirana kwezvipo . Kana iwe uchinzwa sokuda iwe unoda humwe huwandu hunogona kudikanwa kuti uongororezve inhuwarisi yako inoda neimwe kambani ye inshuwarisi.
Ndeye ambulensi yemhepo chete yekukurumidzira?
Maererano neChirungu cheMhepo Medical Services, vanopfuura 550 000 vanhu vanoshandisa nzira dzekutengesa mhepo gore rose muUnited States Mavulensi yemhepo inotakura zvekurapa inoshandiswa mumamiriro akawanda. Haisi nguva dzose kune zvisarudzo zvisina kufanirwa zvezvehutano zvinoshandiswa. Kazhinji kese basa rinogona kuonekwa serinodiwa mune zvemishonga asi haringave nekukurumidzika kwekukurumidza isu tinowanzofunga. Kuchengetedza kunogona kudiwa panguva yekutakura, asi nguva yekutakura haisi nguva dzose kuti igare panzvimbo iyo. Kazhinji zvipatara zvinobatanidza kutakura varwere uye vanogona kugadzirisa hurongwa hwekubatsira kuderedza mari yekutakura kwekutengesa kana mabasa ekufambisa kwepamhepo anodiwa mune zvehutano asi kwete kukurumidza.
Muenzaniso wezvisiri zvekukurumidzira mishonga inofanirwa kutakurwa kwemhepo
Mark ari kurapwa achitevera njodzi yekuputika kuchipatara cheXYZ. Zvinosuruvarisa, kunyange zvazvo Mark akatsiga kwechinguva, Chipatara cheZXYZ chipinda chekuchengetedzwa kwekukurumidzira isina mari shoma, Mark anoda kuongororwa kwakawanda uye kurapwa kwakanyanya. Chipatara chakakosha zvikuru chiri kure kwazvo kuti aende nema ambulense nekuda kwekukuvara kwake, saka chiremba anokurudzira kutakura kwemhepo kuitira kuti awane Mark kune chipatara chinonyanya kushandiswa chinogona kupa humwe hutano pasina kuisa utano hwaMark huri pangozi. Vanoronga kutakura kwemasikati anotevera sezvo kutarisirwa kusingakurumidzi kupikisa, asi kuchiri kunoda kutarisirwa kwakanyanya kunowanikwa mumhepo yekufambisa, air ambulance inogona kuuya zuva rinotevera.
Ndeye ambulensi yemhepo inobatwa neMedare kana ACA?
Medicare kana kuti Affordable Care Act (ACA) inogona kubhadhara mabasa anokosha semhepo inotakura-kutakura kana pasina imwe nzira yekufambisa inowanikwa uye kana inosangana nemirairo yekufungidzirwa kuti inoda kurapwa. Zvakakosha kucherechedza kuti kugoverwa uku kunogona kuiswa pasi pekugadziriswa uye ipapo co-inshumo chikamu cherongwa, saka iwe unopedzisa kubhadhara chikamu chemari kubva muhomwe kunyange kana yakavharwa nehushuwarisi.
Pamberi pekucherechedza rubatsiro rwekunzwa (ABN)
Kana mabhizimisi emhepo ari kuonekwa semuviri anodiwa, asi kwete-anokurumidzira, uye haufaniri kuvharwa, unogona kugamuchira "Advance Beneficiary Notice of Noncoverage" (ABN) iyo ichakukurudzira kuti iwe uchatongwa nemhosva dzose, saka iwe uri akazviziva asati atora basa.
Muenzaniso wekufambisa mhepo mumhepo uye Obamacare
Pasi pemutengo unobatsira wehutano wehutano kana zvichidiwa nemishonga, kutakura kwemhepo kunogona kuvharwa pasi pezvinhu zvinokosha. Maria akatsigira kukuvara kwakakomba uye kuti aponese hupenyu hwake, chiremba wake akakurudzira kutakura kwechiremba kuchipatara chiri pedyo icho chaizokwanisa kumupa chirwere chinokurumidza chaaida. Iyo ambulensi yemhepo inodhura $ 29,000, yaive ne $ 5000 inokwana uye 30/70 co-inshumo clause. Imwe nguva iyo mhepo yekufambisa ambulensi yakagamuchirwa, haina kugamuchira $ 29,000 yemari yekubhadharisa air ambulance, yakagamuchira $ 29,000 pasi payo $ 5000 inotengwa, pasi pe 30% co-inshuwarheni ($ 7,200), kuitira kubhadharwa kwe $ 16,800. Pamusana pekutengesa uye co-inshuwarisi, akabhadhara $ 12,200 kubva muhomwe.
Ndeipi kupi kambani yemagetsi inotora iwe?
Zvichienderana nehutano hwehutano hwako, ambulensi yemhepo inogona kukutora iwe kuchipatara chiri pedyo chaunogona kurapwa, kana kana chibvumirano chako ichipa hupamhi hwekuvhara, zvingakutora iwe kuenda kumba. Apa ndipo painokosha kuti unzwisise zvakakwana kugoverwa kwawakatenga uye kubva pamamiriro ako ega uye maitiro emabasa kana nzvimbo yaunofamba nayo, iwe unofanira kusarudza kuti inguva yakawanda sei inowanikwa mumagetsi emagetsi.
Ndeya ambulensi yemhepo here kana kutakura kwekutakura kwemhepo kunotakura kutakura kune mumwe munhu, anovimba naye kana mudzimai?
Zvichienderana neutano hwehutano inshuwarheni kana kufamba kwehutano inshuwarheni, kana air ambulance yakavharwa, makambani einishuwarenzi achawanzobatanidza kugoverwa kune mumwe munhu wemumhuri kana shamwari inofanirwa kugoverwa. Ita chokwadi chekubvunza muimiridzi wemu inshuwarisi pamusoro peizvi.
Ndeye voga ambulensi yemhepo inobatsira pfungwa yakanaka here?
Kune dzakasiyana-siyana dzakagadzirwa nemafungiro emagetsi emhepo aripo. Aya maitiro anowanzotarisirwa kune vafambi vanofarira kukwanisa kudzokera kumashure kune chiremba wavo wekumba kana chipatara kuti vazobatwa kana zvikaitika zvichida kurapwa kwepakati pavanenge vari kure nemusha. Kana ukasarudza kushandisa imwe yevashandi vemagetsi vemu-private ambulance ndapota yeuka kuti kunyange zvazvo iri mabasa makuru vangave vasina kupa chero ambulensi yese inoda kana kuvhara zvose zvinotengeswa nemhando ipi zvayo yemhepo inoshandiswa nemagetsi. Kana uchida kugadzirisa iwe pachako air ambulance iwe unofanirwa kuonana nehutano hwako hwehutano inshuwarani usati waita chero kuzvipira kana iwe ungawana kuti kuda kwako kucharamba. Mhepo yega yega ambulance vanowanzove vane inshuwarisi yekubatanidza kushanda, saka iva nechokwadi uye uwane kuti usati watenga basa kana vachigona kukubatsira kuronga ne inshuwarisi yako uye kurondedzera kuti chii chichaitika kana chisingazofukidzwi. Zvakare, chinhu chakanakisisa chaunofanira kuita ndechekuti iwe unobvunza mibvunzo yakawanda uye uverenge zvibvumirano chero chipi zvacho usati waenda kune air ambulance service.
Chenjererai kunze kwe-network-ambulensi yemhepo
Kunyange kana Air Ambulance yakavharwa, ona kuti utano hwehutano hwehutano huchagamuchira hurumende yemhepo yaunoshandisa. Kana Air Ambulance iri "kunze kwe-network" iwe haungabhadharwi nezvemhosva, kana kuti inogona kubhadharwa kusvika pane imwe mari. Bvunza yako inshuwarisi mupiro pamusoro pemakambani emafirimu emhepo uye chii chaunofanira kuita kana iwe uchida mvumo yemhepo, kana iwe ungangodaro uri muhomwe yebhadharo inodhura. Sekuenderana neNational Association of Insurance Commissioners , izvi zvinogona kutenga vatengi makumi ezviuru zve madhora.