10 mau ala akamai e hōʻemi i kāu mau bila mālama ola

Anter

• Nānā no

UKU KUAI. NA HOOLAHA. NA LOLE PALAPALA WAIWAI. Manaʻo paha ʻoe e haʻalele i kāu waihona mālama kālā e noho olakino. ʻAʻole ʻoe hoʻokahi: Hoʻolilo kekahi ma kahi o ʻeono mau ʻAmelika ma ka liʻiliʻi he 10 pākēneka o kāna loaʻa kālā makahiki i nā kauka, nā uku, a me ka mālama olakino. "Manaʻo nā wahine he nui ʻole kēia mau koina," wahi a Michelle Katz, ka mea kākau o 101 Mana'o 'inikua ola. "Akā maʻalahi ka mālama ʻana i mau haneli kālā ma kāu mau pila i kēlā me kēia makahiki e ke kamaʻilio ʻana me kāu kauka a i ʻole ke koho ʻana i kahi hoʻolālā ʻinikua ʻē aʻe." Ma aneʻi, e aʻo i ke kumu e uku nui nei ʻoe-a pehea e hiki ai iā ʻoe ke hoʻihoʻi i kēlā kālā i kāu ʻeke.

• E koho pono i kahi hoʻolālā Ke hiki mai ka manawa e kau inoa hou i kēia makahiki, mai makaʻu makapō i ka pahu ma hope o kāu kulekele o kēia manawa. "E loiloi hou i kāu hoʻolālā i kēlā me kēia makahiki e hōʻoia i ka hoʻokō ʻana i kāu mau pono o kēia manawa," wahi a Kimberly Lankford, ka mea kākau o Ka Maze Inikua. ʻO ka nīnau mua āu e nīnau ai inā he kauka punahele kāu a i ʻole kahi maʻi olakino e pono ai ka mālama ʻana o ke kauka. Inā ʻoe i pane i ka ʻae i kekahi, ʻo kāu pili pono ʻoi paha kekahi o nā hoʻolālā pricier preferprovider (PPO) a i ʻole pointof- service (POS) hoʻolālā, e hāʻawi iā ʻoe i ke kūʻokoʻa e kipa aku i kekahi kauka, wahi a Lankford. ʻO ka maʻamau, e uku ke kauka i loko o $ 10 i $ 25 no ke kipa ʻana; ka bila iā ʻoe ma waho o ka pūnaewele M.D. no 30 pakeneka o kā lākou uku. Akā inā ʻike wale ʻoe i kāu kauka i kekahi mau manawa o ka makahiki, ʻoi aku ka maikaʻi o kahi ʻoihana mālama ola (HMO). Hāʻawi kēia i kahi koho liʻiliʻi o nā kauka no nā uku haʻahaʻa a me nā uku uku.

  Inā hoʻohana ʻoe iā ʻoe iho a ʻaʻole hāʻawi kāu mea hana i ka ʻinikua olakino, e nānā i nā pūnaewele like ehealthinsurance.com, e hāʻawi ana i nā kumukūʻai a me ka hoʻohālikelike ʻana ma ka mokuʻāina. "E noʻonoʻo i kāu mau kuhikuhi, nā pono mālama maʻamau, a me nā lilo noʻonoʻo a me ka ʻike," wahi a Lankford. "E noʻonoʻo hoʻi inā e hoʻolālā ana ʻoe e hāpai i loko o ka makahiki, no ka mea, ʻaʻole nā ​​​​papahana āpau e uhi i kēlā mau koina." Ke kuhikuhi pono ʻoe i nā lawelawe āpau āu e koi ai, e ʻoki i nā helu me kahi helu helu pūnaewele e like me money-zine.com. "Mai makaʻu ʻoe i nā kulekele me nā mea unuhi kiʻekiʻe, ʻo ka nui āu e uku ai ma waho o ka ʻeke ma mua o ka hoʻomaka ʻana o ka ʻinikua," wahi a Lankford. "ʻOi aku ka uku o kēlā me kēia hoʻolālā i kēlā me kēia mahina.

  
  
• E nīnau i kāu mau hoʻokolohua "ʻAʻole maopopo ka poʻe kauka i nā pale a me nā hōʻike i uhi ʻia e kāu ʻinikua," wahi a Katz. I mea e hōʻalo ai i nā mea kupaianaha nui, lawe mai i kahi papa inoa o nā labs i ʻae ʻia i kāu kau mua me kahi kauka hou. E nānā pū me kāu mea hoʻolako inikua ma mua o kou hoʻonohonoho ʻana i nā lāʻau lapaʻau a i ʻole nā ​​hoʻokolohua, e like me nā kukui X, MRI, a me nā ultrasound umauma; pono paha ʻoe e ʻae i ka palapala a i ʻole ka waha ma mua. E kākau i nā mea a pau āu e kamaʻilio ai a me ka manawa a me ka lā āu i kamaʻilio ai," wahi a Lankford. "He mea koʻikoʻi ke ala pepa inā he nīnau a hoʻopaʻapaʻa paha ma hope."

• Kūʻai aku me kāu kauka Inā ʻoe e uku ana i kāu pila mai ka ʻeke, mai hilahila a hilahila paha e noi i kāu kauka no kahi uku hoʻēmi. "E wehewehe i kou kūlana," wahi a Katz. "E'ōlelo, 'ʻAʻoleʻoe i loko o kaʻu pūnaewele, akā,ʻaʻole au e hilinaʻi i kekahi mea'ē aʻe e mālama i kēia. Aia kekahi ala e hiki ai iāʻoe ke hoʻololi i kāu uku noʻu?' " Ua hana kēia hana no Katz: Ma ke ʻano he haumāna puka ʻole ʻia, ua noi ʻo ia i kahi neurosurgeon kaulana kaulana e mālama i kona kua i ʻeha. "I kaʻu koho mua ʻana, ua kūkākūkā wau me kāna mau pili kālā me ia," i ʻōlelo ʻo ia. ʻAʻole wale ʻo ia i hāʻawi iā ia i kahi haukapila liʻiliʻi loa no kāna ʻoki ʻana, ua ʻae pū ʻo ia e hana i kahi hana no ka hapalua o kāna uku maʻamau. ʻO ka mea ʻē aʻe, ua ʻae ʻo ia iā ia e uku i ke kumukūʻai ma ka papa hana o kēlā me kēia mahina, e mālama iā ia he $14,000. "ʻO ke kī ʻo ka hoʻokumu ʻana i kahi pilina pilikino me kāu kauka a me nā limahana," wahi a Katz, ka mea e ʻōlelo nei e hōʻea i ka manawa no kāu mau koho a hōʻike mau i kou mahalo.
• E ʻike i ka mea e hana ai i kahi pilikia Ke hiki mai kahi pilikia, ʻo ka uku o ka haukapila a me nā kauka ka mea hope loa āu e noʻonoʻo nei. ʻO ia ke kumu he mea nui e nānā i kāu kulekele ma mua. "E nānā inā pono ʻoe i ka preapproval ma mua o ka hele ʻana i ka lumi pilikia a nānā i nā haukapila o kou wahi i manaʻo ʻia he innetwork a he aha ia mea he ulia pōpilikia," wahi a Lankford (hiki iā ʻoe ke ʻike i kēia ʻikepili i loko o kāu puke kulekele ʻinikua a i ʻole ma ka pūnaewele Pūnaewele. ). Pale aku ʻoe iā ʻoe iho mai ka pila i manaʻo ʻole ʻia: Hōʻole nā ​​ʻoihana ʻinikua olakino 20 pākēneka o nā noi uku mālama mālama pilikia e koi ana i ka ʻae ma mua. e like me kahi noiʻi hou i paʻi ʻia ma ka Annals of Emergency Medicine.

  "Inā he koi, mai hoʻokaʻulua e kāhea i kahi kaʻa kaʻahua," wahi a Lankford. Akā no nā kūlana hoʻoweliweli ʻole i ke ola, e like me ka iwi haʻi a kuni paha ma lalo o 103 ° F (ke ʻole ʻoe e ʻeha i ka ʻōpū, kahi e hōʻailona ai i ka appendicitis), e noi i kahi hoaaloha a ʻohana paha e hoʻokele iā ʻoe i ka haukapila.

  
  

• E nānā i kāu pila halemai Nānā ka hapanui o nā wahine i kā lākou hōʻike kāleka hōʻaiʻē i kēlā me kēia mahina, akā he kakaikahi wale nō ke nānā aku i kā lākou mau pepa hoʻouna haukapila. Akā pono lākou: Manaʻo ka poʻe loea a hiki i ka 90 pakeneka o nā pila o ka haukapila i loaʻa nā hewa. Ma mua o kou nānā ʻana, e noi i kahi bila kikoʻī. "Ua hāʻawi ʻia kēlā me kēia lapaʻau iā ʻoe i kahi helu helu," wehewehe ʻo Katz. "No laila ke kuhi hewa ʻole nei kekahi i ke code hewa paha, he ʻokoʻa ia o nā haneli a i ʻole he mau tausani kālā." Ma mua o ka haʻalele ʻana, scan i kāu pila no nā uku maʻamau. A laila, i kāu manawa e hiki mai ana, e noi i kāu kauka a i ʻole kekahi ma kāna limahana e hele i kahi mea āu e ʻike ʻole ai.
• Uku me ke kālā pretax Ma lalo o 15 pakeneka o nā ʻAmelika e hoʻohana i kahi moʻokāki mālama ola (HSA) a i ʻole hoʻonohonoho hoʻolimalima maʻalahi (FSA), nā mea ʻelua i hāʻawi ʻia e nā mea hana. ʻO ia ke ʻano o ka hapa nui o mākou e nalowale ana i ke kālā manuahi: Hāʻawi kēia mau moʻokāki iā ʻoe e uku no nā lilo olakino me ke kālā āu i hoʻokaʻawale ai mai kāu uku ma mua o ka lawe ʻia ʻana o nā ʻauhau. ʻO ka hopena: kahi mālama kālā a hiki i 30 pakeneka ma kāu mau koina mālama ola. Hiki iā ʻoe ke hoʻohana i nā moʻokāki e uku no nā koina i uhi ʻole ʻia e ka ʻinikua olakino, e like me ke kauka a me nā koina uku a me nā noho haukapila. Nui nā hoʻolālā e ʻae iā ʻoe e kūʻai i ka solution lens contact, nā aniani, Band-Aids, a me ka aspirin. Hāʻawi ka hapa nui o nā luna hana i hoʻokahi ʻano moʻokāki wale nō, ʻo HSA a i ʻole FSA. ʻO ka ʻokoʻa nui ma waena o nā mea ʻelua, hiki iā ʻoe ke ʻōwili i kāu mau haʻawina HSA i kēlā me kēia makahiki a mai kahi hana a i kahi hana. Akā me kahi FSA, ua haʻalele ʻoe i kekahi kālā i koe i loko o kāu waihona inā ʻaʻole ʻoe e hoʻolilo ia ma Malaki 15 o ka makahiki e hiki mai ana a i ʻole inā e hoʻololi i nā ʻoihana.

  No kahi kuhi pololei o kāu mau lilo olakino, e nānā i kāu hoʻolilo pili olakino i nā mahina he 12 i hala iho nei, a laila e hoʻonui i nā lilo hou (nā kuhikuhi hou, e like paha) makemake ʻoe e loaʻa i ka wā e hiki mai ana. "Akā, e hoʻomanaʻo pono ʻoe e waiho i nā palapala koi e uku hou ʻia, no laila inā weliweli ʻoe i ka pepa a paʻa paha i nā loaʻa, ʻaʻole paha kēia mau ʻano helu no ʻoe," wahi a Katz.

  
  

• E ʻike i ka hale kūʻai lāʻau "Hiki iā ʻoe ke mālama i ka 30 pakeneka o kāu mau kumukūʻai lāʻau lapaʻau ma ka hele ʻana i ka generic," wahi a Steve Miller, M.D., ka luna lapaʻau nui no Express Scripts, kahi hui hoʻokele waiwai lāʻau i hoʻokumu ʻia ma St. E noi i kāu kauka inā loaʻa kahi mana generic o ka lāʻau a ia e kuhikuhi nei. "Loaʻa iā lākou nā palapala e like ai ka maikaʻi a me ka palekana e like me nā lāʻau inoa inoa inoa," i ʻōlelo ʻo ia. Inā ʻaʻohe hoʻokahi ma ka mākeke i kēia manawa, e nīnau i kāu M.D. inā loaʻa kahi koho ʻoi aku ka uku ʻoi aku ka maikaʻi i ka lāʻau lapaʻau āna e kuhikuhi nei. ʻOiai inā hāʻawi kāu kauka iā ʻoe i nā laʻana manuahi o ka lāʻau lapaʻau, e noi mau i ka ʻōlelo kuhikuhi maʻamau: Ke pau nā ʻeke hoʻomaikaʻi, pono paha ʻoe e hoʻonui i ke kālā, wahi a Miller. ʻO kaʻoiaʻiʻo, ua ʻike ʻia kahi noiʻi mai ke Kulanui o Chicago ua hoʻohana nā maʻi i loaʻa ma kahi liʻiliʻi hoʻokahi laʻana manuahi o ka lāʻau lapaʻau inoa inoa he 40 pākēneka no ka lāʻau lapaʻau ma mua o ʻeono mahina ma mua o ka poʻe i loaʻa ʻole iā lākou, no ka mea ua hoʻomau lākou i ke kūʻai. nā pila pricier.

• E lilo i mea wehe pila "Ua like ke kumu kūʻai o kekahi mau lāʻau lapaʻau ma ke ʻano kiʻekiʻe a me ka haʻahaʻa," i ʻōlelo ai ʻo Hae Mi Choe, Pharm.D., he kauka lapaʻau kōkua lapaʻau ma ke Kulanui o Michigan, Ann Arbor, School of Pharmacy. Inā ʻoe i ka lāʻau lapaʻau, e like me kekahi no ka cholesterol kiʻekiʻe, e nīnau i kāu kauka inā hiki iā ia ke kākau iā ʻoe i kahi ʻōlelo kuhikuhi no ka pila kiʻekiʻe hiki iā ʻoe ke ʻoki i ka hapalua ma ka home, wahi a Choe. Ua alakaʻi ʻo ia i kahi noiʻi i loaʻa Hiki i nā poʻe maʻi ke mālama i ka 50 pakeneka o kā lākou mau kumukūʻai lāʻau ma ka puʻunaue wale ʻana i kā lākou mau pila. ʻAʻole pili kēia i nā lāʻau lapaʻau a pau. "ʻO kekahi, e like me nā capsule, nā pila i uhi ʻia, a me nā kūmole hoʻokuʻu manawa, ʻaʻole pono e ʻoki ʻia," wahi a Choe. "No laila e nīnau mua i kāu kauka a kauka paha." E hōʻoia i ka lawe ʻana i ka mahele lāʻau pololei, e hoʻohana i kahi pono hana hoʻokaʻawale i ka pila, i loaʻa ma nā hale kūʻai lāʻau.

• E ʻike i kahi hale kūʻai kūʻai hoʻemi ʻO nā kaulahao nui e like me Target a me Wal-Mart ke kūʻai aku nei i kekahi mau lāʻau laulaha, e like me nā lāʻau ʻalopiko a me nā lāʻau hoʻohaʻahaʻa kolesterol, no ka mea he $ 4 no ka lako o 30 lā. Hoʻopiha pū ʻo Costco i nā ʻōlelo kuhikuhi ma ke kumukūʻai (ʻaʻole pono ʻoe e lilo i lālā no ka hoʻohana ʻana i kā lākou lāʻau lapaʻau). Hiki paha iā ʻoe ke noi i kāu M.D. e kākau iā ʻoe i ʻekolu mahina, a laila e kauoha iā ia ma o kahi lāʻau lapaʻau pūnaewele e pili ana i kāu hoʻolālā inikua a i ʻole kahi kūʻokoʻa, e like me walgreens.com, drugstore.com, a i ʻole cvs.com. Akā e makaʻala i ka hale kūʻai hoʻohālikelike: Loaʻa nā kānaka noiʻi mai ke Kula Kaiapuni ʻo Creighton University ʻOi aku ka liʻiliʻi o ka inoa ʻo Rx's ke kūʻai ʻia e ka leka uila, akā hiki ke uku ʻia nā lāʻau lapaʻau generic.
• Lawe pono i nā perks huna i kāu hoʻolālā "E uhi paha kāu kulekele ʻinikua olakino i nā ʻano lawelawe kūʻokoʻa ʻole no ka manuahi a i ʻole ka uku hoʻemi," wahi a Lankford (pono ke kauka i ka pūnaewele e hāʻawi iā ʻoe i ka ʻae ma mua). E nānā inā hāʻawi kāu iā ʻoe i nā uku hōʻemi a uku paha no nā polokalamu puhipaka-hoʻomaha ʻana, ka pohō kaumaha a i ʻole nā ​​ʻōlelo aʻoaʻo aʻoaʻo, a i ʻole nā ​​lālā hoʻoikaika kino. Ke hoʻomaka nei kekahi lima o nā hui ʻinikua, me Aetna a me Kaiser Permanente, e uhi i nā lāʻau lapaʻau ʻē aʻe, e like me ka acupuncture, massage therapy, a me ka mālama chiropractic.

Nānā no