Ka hoʻomaopopo ʻana i kāu pila o ka haukapila

Inā ʻoe ma ka haukapila, e loaʻa iā ʻoe kahi pila e hōʻike ana i nā uku. Hiki ke paʻakikī a huikau nā pila o ka haukapila. ʻOiai he paʻakikī paha ka hana ʻana, pono ʻoe e nānā pono i ka pila a nīnau i nā nīnau inā ʻike ʻoe i kahi mea āu e hoʻomaopopo ʻole ai.

Eia kekahi ʻōlelo aʻoaʻo no ka heluhelu ʻana i kāu pila o ka haukapila a me nā manaʻo no ka mea e hana inā ʻike ʻoe i kahi hemahema. Ke kōkua pono nei i kāu pila hiki ke kōkua iā ʻoe e mālama i ke kālā.

E helu ana kahi pila no ka haukapila i nā uku nui mai kou kipa ʻana. Helu ʻia nā lawelawe i loaʻa iā ʻoe (e like me nā kaʻina hana a me nā hoʻokolohua), a me nā lāʻau a me nā lako. ʻO ka hapa nui o ka manawa, e loaʻa ana iā ʻoe kahi pila ʻokoʻa no nā uku ʻoihana mālama ola. He mea maikaʻi ke noi aku no kahi kikoʻī kikoʻī kikoʻī me nā koina a pau i wehewehe ʻokoʻa ʻia. Hiki iā ia ke kōkua iā ʻoe e ʻike i ka pololei o ka pila.

Inā he ʻinikua kāu, loaʻa paha iā ʻoe kahi palapala mai kāu ʻoihana inikua, i kapa ʻia he wehewehe o nā pono (EOB). ʻAʻole kēia he pila. Ua wehewehe:

• He aha ka mea i uhi ʻia e kāu ʻinikua
• Ka nui o ka uku i hana ʻia a iā wai
• Deductibles a i ʻole coinsurance

ʻO ka unuhi ʻia ka nui o ke kālā āu e uku ai i kēlā me kēia makahiki e uhi ai i kāu uku hoʻolāʻau olakino ma mua o ka hoʻomaka ʻana o kāu kulekele ʻinikua e uku. ʻO ka coinsurance ka nui āu e uku ai no ka mālama olakino ma hope o kou hālāwai ʻana me kou hōʻemi ʻinikua olakino. Hāʻawi pinepine ʻia ma ke ʻano he pākēneka.

Pono e pili ka ʻike ma ka EOB i kāu pila o ka haukapila. Inā ʻaʻole ia, a aia paha kekahi mea āu e maopopo ʻole ai, kāhea i kāu ʻoihana ʻinikua.

Hiki i nā hewa i kāu bila kauka ke uku iā ʻoe i ke kālā. No laila he mea kūpono ka manawa e nānā ai i kāu pila. E nānā pono i nā mea aʻe:

• Nā lā a me ka helu o nā lā. E hōʻoia i ka like o nā lā ma ka pila inā ʻoe ma ka haukapila. Inā ʻae ʻia ʻoe ma hope o ke aumoe, e hoʻomaka e hoʻomaka nā koina i kēlā lā. Inā hoʻokuʻu ʻia ʻoe i ke kakahiaka, nānā inā ʻaʻole ʻoe e uku ʻia no ka uku lumi piha o kēlā me kēia lā.
• Helu helu. Inā he kiʻekiʻe paha kahi uku, e nānā inā ʻaʻohe zeros keu i hoʻohui ʻia ma hope o kahi helu (e laʻa me 1,500 ma kahi o 150).
• Nā uku pālua. E hōʻoia ʻaʻole ʻoe e uku pālua ʻia no ka lawelawe like, ka lāʻau, a i ʻole nā ​​lako.
• Nā uku lāʻau. Inā ʻoe i lawe mai i kāu mau lāʻau mai ka home, e nānā inā ʻaʻole ʻoe i uku ʻia no lākou. Inā kuhikuhi kahi mea hoʻolako i kahi lāʻau laulā, e hōʻoia ʻaʻole ʻoe e uku ʻia no ka mana inoa inoa.
• Nā uku no ka lako maʻamau. ʻO nā uku nīnau no nā mea e like me nā mīkina lima, nā ʻaʻahu, a me nā pale. Pono lākou e ʻāpana o nā kumukūʻai maʻamau o ka haukapila.
• Nā kumukūʻai o ka hoʻāʻo heluhelu ʻana a i ʻole nā ​​scans. Hoʻokahi wale nō manawa e koi ʻia ai ʻoe, ke ʻole ʻoe e manaʻo ʻalua.
• Ua hoʻopau ʻia ka hana a i ʻole nā ​​lāʻau. I kekahi manawa, kauoha kahi mea hāʻawi i nā hoʻokolohua, nā kaʻina hana, a i ʻole nā ​​lāʻau i hoʻopau ʻia ma hope. E hōʻoia ʻaʻole pili kēia mau mea i kāu bila.

Inā ua ʻoki ʻia ʻoe a i ʻole kahi kaʻina hana ʻē aʻe, kōkua ia e ʻike inā ua hoʻokau kāu haukapila i kahi kumukūʻai kūpono. Aia kekahi mau pūnaewele hiki iā ʻoe ke hoʻohana e kōkua iā ʻoe e ʻike i kēia ʻike. Hoʻohana lākou i nā waihona pūnaewele aupuni o nā lawelawe lapaʻau i hoʻopiʻi ʻia. Hoʻokomo ʻoe i ka inoa o ke kaʻina hana a me kāu helu kuhi e loaʻa ai ke kumukūʻai awelika a i manaʻo ʻia paha i kāu wahi.

• Pahu Ola Ola - www.healthcarebluebook.com
• FAIR Health - www.fairhealth.org

Inā ʻoi aku ka nui o ka uku ma kāu pila ma mua o ke kumukūʻai kūpono a ʻoi paha ma mua o ka uku a nā haukapila ʻē aʻe, hiki iā ʻoe ke hoʻohana i ka ʻike e noi ai no kahi uku haʻahaʻa.

Inā ʻaʻole maopopo iā ʻoe kahi uku ma kāu pila, nui nā haukapila i mau kākāʻōlelo kālā e kōkua iā ʻoe i kāu pila. Hiki iā lākou ke kōkua e wehewehe i ka pila ma ka ʻōlelo maopopo. Inā ʻike ʻoe i kahi kuhi hewa, e noi i ka ʻāpana bila e hoʻoponopono i ka hewa. E mālama i kahi moʻolelo o ka lā a me kou manawa i kāhea ai, ka inoa o ke kanaka āu i kamaʻilio ai, a me nā mea i haʻi ʻia iā ʻoe.

Inā ʻike ʻoe i kahi hemahema a manaʻo ʻole ke loaʻa nei ʻoe i ke kōkua āu e pono ai, e noʻonoʻo e hoʻolimalima i kahi loio hoʻopiʻi loiloi. Hāpai nā mea aʻoaʻo i ka uku hola a i ʻole ka pākēneka o ka nui o ke kālā āu e mālama ai ma muli o kā lākou loiloi.

Inā ʻaʻole hiki iā ʻoe ke uku i kāu pila ma mua o ka lā palena, hiki iā ʻoe ke koho. E noi i ka ʻoihana hoʻokau haukapila inā hiki iā ʻoe:

• Loaʻa i kahi hōʻemi inā uku ʻoe i ka nui o ke kālā
• Hana i kahi hoʻolālā uku
• E kiʻi i ke kōkua kālā mai ka haukapila

Pūnaewele ʻAmelika Hui Pū ʻIa ʻAmelika. Ka hoʻomaopopo ʻana i kāu pila kala. ohanadoctor.org/ Understanding-your-medical-bills. Hoʻohou i Iulai 9, 2020. Loaʻa iā Nowemapa 2, 2020.

Pūnaewele ʻAmelika Hui Pū ʻIa. Ke pale nei i nā mea pīhoihoi i kāu pili kauka. www.aha.org/guidesreports/2018-11-01-avoiding-surprises-your-medical-bills. Hoʻohou Nowemapa 1, 2018. Loaʻa iā Nowemapa 2, 2020.

Pūnaewele Mea kūʻai ola FAIR. Pehea e loiloi ai i kāu bila kauka. www.fairhealthconsumer.org/insurance-basics/your-bill/how-to-review-your-medical-bill. Loaʻa iā Nowemapa 2, 2020.

• ʻInikua olakino