Mutengo weNICU Care
Nokuti vana vacheche vasati vakura vanoda kurapwa kwakanyanya, kubhadhara zvikwereti zvemishonga mushure mekunge mave ne preemie vanogona kutora mari. NICU inogara kune vacheche vakaberekwa pakati pemasvondo makumi matatu nemaviri nemakumi matatu nemakumi matatu nemasere ekuberekwa kwevhesi yepamusoro ye $ 31,000, uye vacheche vanoberekwa mberi kwevhiki makumi matatu dzinodhura zvimwe. Kune vana vanoyera pakati pe501 ne 750 magamu, mari yekurapa inokwana $ 89,564!
Pasinei nokuti iwe uri inshuwarisi uye unonetseka nezvekuti iwe uchabhadhara sei chikamu chako chekugara muchipatara chemucheche kana usina uninsured uye haagoni kuziva kuti iwe uchaita sei mari yakadaro iwe pachako, unogona kutora matanho ekudzikisa mari mwana asati asvika.
Kana Uri Muteresi
Inishuwarenzi yehutano ichaita kuti mari yepamusoro yekutora preemie ive nyore, asi haigoni kuvabvisa. Kunze kwehomwe mari yekuchengetedza NICU inogona kutenga inodhura, uye makambani einishuwarenzi angave asina kuvhara zvinhu zvose zvekugara kwemwana wako.
- Ita kuti utange mapepa: Nguva yakanakisisa yokutaura pamusoro pekugoverana kwemwana wako mutsva mwana wako asati asvika. Paunenge uine pamuviri, shandisa iyo inshuwarisi yekambani kuti uone kuti ungazotanga sei kuparidzira mwana wako. Kana iwe uchiziva kare kuti uri pangozi yekuva nemwana asati azvarwa , rega inshuwarisi yako ikwanise kuziva izvozvo uye utaure nezvekugoverwa kweNICU.
- Mushure mokunge mwana wenyu abvumirwa kuenda kuNICU, taurai nekambani yenyu ye inshuwarisi zvakare kuti muvaudze. Panguva iyoyo, bvunza chaizvo zvaunoita mune zvemari kuitira kuti iwe utange kugadzirira kugadzirira. Kunyanya, bvunza pamusoro pekopi yako, kubhadhara, kugoverwa kwemiganhu, uye mabasa aripo uye asina kuvharwa.
- Taura nevanoshuwaridzana vehupfumi: Kunyange kana iwe uine inshuwarisi yakanaka, mapepa uye zvigadziro zvaunotarisira zvinogona kukurira mari yako. Kana chikamu chako chechipatara chako chichange chakanyanya kupfuura chaunogona kuwana, bvunza vana vako vanamukoti kana kuti taura nehofisi yezvipatara zvezvipatara kuti uone kana iwe unogona kusangana nesangano rehupfumi kuti uwane kuti ndeapi rudzi rwekubatsira ruwanika. Iwe unogona kukodzera kubhadharira Medicaid kana kuti uwane mukana wakaderera wekurapa.
- Usatya kuteterera: Kana kuvhara kurasirwa kwevamwe kana kuti yese yeNICU yemwana wako gara, tumira shamwari yako inshurensi pakarepo kuti uone kuti iwe unogona sei kugadzirisa mhaka yako yemhosva. Iwe unogona kuva nezvikwata zvakawanda zvekutsvaga zvinowanikwa kwauri, zvose mukati mekambani yeinishuwarenzi uye nedhipatimendi rako rehurumende re inshuwarisi.
Kana Iwe Usingavimbiswi
Nokuti vakawanda vane pamuviri vane hutano uye vazhinji vanoendesa hazvina kuoma, kuchengetedza hutano munguva dzehupenyu hwako apo pamuviri inogona kunge inogona kunge ichiita sechinhu chisingadikanwi. Kana iwe usina kuvimbiswa uye iwe unozviwana wava nepamuviri kana mubereki wechecheche achange achinyatsotarisirwa, pane zvinhu zvaunogona kuita kuti kuderedza kushungurudza kwemari yekuva nemwana muNICU.
- Shandisa Medicaid: Kana uchangobva kuziva kuti uri nepamuviri, shandisa Medicaid. Medicaid iyi chirongwa chehurumende chinotungamirirwa nehurumende imwe neimwe, uye izvo zvinotarisirwa zvinoda uye mabasa anowanikwa anosiyana kubva kune imwe nyika kuenda kune imwe nyika. Vakadzi vane pamuviri nevana vari pasi pemakore matanhatu vanoonekwa sevanhu vari pangozi, uye nyika dzose dzinofanirwa kugovera kuvakadzi vane pamuviri vakakodzera uye vana vaduku.
- Sangana nedhipatimendi rezvipatara rezvemari: Kana uchinge waita, kana iwe uchiona kuti wava nepamuviri kana iwe paunoona kuti mwana wako achada kuva muNICU, sangana nomumwe munhu ari mubazi rechipatara rako rezvemari kuti ataure nezvekubhadhara kwako zvisarudzo. Zvipatara zvakawanda zvichapa vanhu vasingabatsiri mari yakaderedzwa kana vachikumbira imwe, ichaderedza chikwereti kune avo vanowana mari shoma pane imwe mari yakawanda pagore kana kuti vacharonga zvirongwa zvekubhadhara kusingabatsiri kune vanhu vane zvikwereti zvezvipatara zvakakura.
- Kumbira kopi yakarongeka yemutemo wako: Zvipatara zvezvipatara zvinonyanya kuzivikanwa nekukanganiswa kwengozi. Kuti uoneke kuti hauri kubhadhara $ 1004.50 nokuda kwebhuruko rezino, semunhu asingatauri murwere, bvunza kopi yakarongeka yehutachipatara chako. Dzokororai mutero wezvikwereti zvakapetwa, zvibasa zvausina kugamuchira, uye zvikwereti zvausingazvinzwisisi, zvino sangana nedhipatimendi rezvipatara rako rezvemari kuti ukurukure zvimhosva.
- Usakwereta: Kana chikwereti chako chinokutadzisa kusvika pane chaunenge uchiwana nhamba kubva kune masangano ekuunganidza, vatori vanogona kukurudzira kuti ukweretese kana kushandisa makadhi emakwereti kana misha yekuenzanisa chikwereti chekwereti kubhadhara zvikwereti zvezvipatara. Zvose izvi zvinosvika nezvikwereti zvinokwidziridzwa zvinogona kuita kuti iwe unotora mari inodhura. Zvinenge nguva dzose zvisingabatsiri kuita chirongwa chekubhadhara nechipatara zvakananga, saka chengetedza chikwereti kuti uite sarudzo yekupedzisira.
Sources:
Kirkby, RN, Sharon, Greenspan, MD, Jay, Kornhauser, MD, Michael, Schneiderman, MD, Roy. "Zvibereko zveKliniki uye Mutengo weMutambo Wokutanga Mwana." Kufambira Mberi Mukuchengetedzwa Kwemazuva Ekuberekwa April 2007 7; 80-87.
Rogowski, Jeannette. "Kuyera Zvinodhura zveNeonatal uye Perinatal Care." Pediatrics January 1999 103; 329-335.
State of Connecticut Office of Health Care Access. "Mutungamiri Wokubhadhara Bhidharo Yenyu Yezvipatara." January 11, 2002. http://www.ct.gov/ohca/lib/ohca/publications/AGuidetoPayingYourHospitalBill-ENG.pdf
Pullium Weston, Liz. "Nzira Yokupona Nayo Mishonga Yezvipatara." March 19, 2007. http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/HowToSurviveYourHospitalBills.aspx?page=1.