Yog tias koj tau ntsib nrog daim nqi tsev kho mob hnyav, koj yuav tsum ua tib zoo kawm txhua qhov nqi kom ntseeg tau tias tsis muaj qhov yuam kev. Yog tias koj pom yuam kev, lossis yog koj xav tias koj tau them ntau dua, ces koj yuav tsum tsis pom zoo daim nqi nrog tsev kho mob. Ua tiav kev tsis txaus siab daim nqi tsev kho mob xav kom koj hu rau tsev kho mob thiab muaj peev xwm ntiav tus neeg pab tswv yim kho mob.
Cov kauj ruam
Ntu 1 ntawm 2: Npaj Npaj Tsis Txaus Tus Nqi
Kauj Ruam 1. Tuav tag nrho koj cov nqi
Kev tawm tsam qhov nqi tsev kho mob kom zoo yuav tsum kom koj paub meej tias koj raug them nqi dab tsi. Khaws txhua daim nqi uas koj tau txais los ntawm tsev kho mob. Kuj tseem dai rau ntawm cov nqi kho mob los ntawm chaw kho mob, chaw kuaj ntshav, thiab kws kho mob lub chaw haujlwm. Thaum tsev kho mob them nqi kho mob, cov nqi feem ntau tsis meej thiab tsis txaus ntseeg. Tsis tas li, koj tuaj yeem tau txais ntau daim nqi rau ib tus txheej txheem lossis mus ntsib. Ntau zaus koj yuav tau txais cov nqi sib cais los ntawm kws phais neeg, tsev kho mob, pab pawg kho mob, kws tshaj lij, thiab lwm tus kws kho mob. Thaum kawg, nws tsis yog qhov yooj yim kom tau txais daim nqi rau rau rau yim lub hlis tom qab kho. Paub txog txhua yam ntawm no thaum sau koj cov nqi kho mob.
- Txhawm rau ua kom yooj yim dua, muaj daim nplaub tshev loj heev uas koj tuaj yeem pov cov nuj nqis rau thaum koj tau saib xyuas lawv. Koj tseem tuaj yeem luam theej cov nuj nqis kom koj muaj PDF ntawm daim nqi ntawm koj lub computer.
- Txhua daim nqi yuav tsum tau muab teev tseg, piv txwv li, tawg los ntawm tus kheej tus nqi. Cov no hu ua "kab-kab" lossis "cov ncauj lus ntxaws ntxaws" cov nqi. Hu rau tsev kho mob thiab thov kom them nqi ntxaws ntxaws yog tias koj tsis raug xa mus.
Kauj Ruam 2. Tshuaj xyuas koj cov nqi
Koj xav kom ntseeg tau tias lub tsev kho mob tsis tau sau koj ob zaug lossis ua lwm yam yuam kev. Piv txwv li, tus nqi kuaj mob tuaj yeem tshwm rau ntawm daim nqi tsev kho mob tab sis kuj ntawm koj tus kws kho mob daim nqi. Koj xav kom ntseeg tau tias koj ntes txhua qhov ua yuam kev.
- Nco ntsoov tias lub tsev kho mob tsis tau them nqi tshuaj rau koj coj los tsev. Tsis tas li, txheeb xyuas tias lub tsev kho mob tsis them tus nqi puv hnub rau chav yog tias koj raug tso tawm thaum sawv ntxov.
- Kuj saib seb koj puas raug them nqi khoom xws li ntawv, khaub ncaws, lossis hnab looj tes. Cov khoom siv no yuav tsum tau suav nrog hauv tus nqi ntawm chav tsev kho mob.
Kauj Ruam 3. Nrhiav seb koj tus neeg tuav pov hwm yuav them ntau npaum li cas
Ua ntej tsis pom zoo daim nqi kho mob hauv tsev kho mob, koj yuav tsum pom tias daim ntawv them nqi kho mob tau them ntau npaum li cas. Sim ua kom koj tus neeg pov hwm them tag nrho cov nqi raug cai.
- Koj tus neeg tuav pov hwm yuav thov tias koj txoj cai tsis them rau qee yam tshuaj lossis txheej txheem. Tshem tawm koj txoj cai thiab tshawb xyuas.
- Koj tuaj yeem thov rov hais dua qhov tsis lees paub los ntawm tus tuav pov hwm kev noj qab haus huv. Yog xav paub ntau ntxiv, saib Daws Teeb Meem Kev Tsis Txaus Siab Nrog Koj Tus Kws Pov Hwm Kho Mob.
Ntu 2 ntawm 2: Sib tham nrog Tsev Kho Mob
Kauj Ruam 1. Tshawb xyuas tus nqi ncaj ncees ntawm txhua tus txheej txheem
Txhawm rau twv nqi, koj yuav xav tau pov thawj tias tsev kho mob tus nqi tsis nyob ntawm kab piv rau cov nqi los ntawm lwm lub tsev kho mob. Koj tuaj yeem pom tus nqi uas lwm lub tsev kho mob them los ntawm kev saib online. Mus ntsib cov vev xaib rau Healthcare Blue Book thiab FAIR Health kom pom tus nqi. Cov nqi kho mob yuav txawv heev ntawm cov tsev kho mob txawm tias lawv nyob hauv tib lub nroog lossis ib cheeb tsam. Ib qho ntxiv, tus nqi ntawm cov txheej txheem tsis feem ntau yog pob tshab lossis tsim nyog. Koj yuav tsum tau ua qee qhov khawb kom nthuav tawm tus nqi sib tw.
- Koj kuj tseem yuav xav siv Medicaid tus nqi raws li phau ntawv qhia. Lawv tuaj yeem pom ntawm
- Yog tias koj pom tias koj lub tsev kho mob tau them ntau dua li lwm lub tsev kho mob hauv koj cheeb tsam, qhia koj lub tsev kho mob seb lwm lub tsev kho mob twg hauv koj cheeb tsam tab tom them nyiaj. Nov yog txoj hauv kev zoo los txiav koj cov nqi thiab muaj lwm lub tsev kho mob tus nqi yog qhov pov thawj zoo ntawm koj tus nqi yuav tsum yog dab tsi.
Kauj Ruam 2. Xav txog kev them nyiaj nrog nyiaj ntsuab
Yog tias koj tsis muaj ntawv pov hwm lossis yog tias kev pov hwm tsis tau them tag nrho koj cov nqi, feem ntau koj tuaj yeem tau txais luv nqi loj yog tias koj thov them nyiaj ntsuab. Cov kws kho mob feem ntau yuav txiav lawv tus nqi los ntawm 66% lossis ntau dua yog tias koj txaus siab them txhua yam ua ntej ua nyiaj ntsuab. Hauv qee kis, tsev kho mob thiab kws kho mob tau siv 1/10 ntawm thawj daim nqi.
- Wen koj sib tham txhua qhov kev pom zoo nyiaj ntsuab, pib nrog qis dua, tej zaum nyob ib ncig ntawm 1/4 daim nqi thawj. Koj thiab lwm tog neeg yuav sib tham los ntawm qhov ntawd.
- Yog tias koj tsis tuaj yeem them txhua yam ua ntej thiab koj yuav tsum tsim cov phiaj xwm them nyiaj, npaj kom them me ntsis ntxiv. Txawm li cas los xij, tsis txhob ntshai sib tham.
Kauj Ruam 3. Hu rau tsev kho mob
Koj tuaj yeem pib qhov kev tsis sib haum los ntawm kev hu mus rau tsev kho mob. Qhia rau lawv tias koj tsis txaus siab rau tus nqi thiab piav qhia vim li cas.
Khaws ceev faj ntawm tus neeg koj tham nrog. Nco tseg tus neeg lub npe, hnub thiab sijhawm, nrog rau cov ntsiab lus ntawm kev sib tham. Koj yuav tsum khaws cov ntawv ceev faj vim tias koj yuav tham nrog ib tus neeg tshiab txhua lub sijhawm koj hu rau tsev kho mob
Kauj Ruam 4. Sau tsab ntawv tsis txaus siab
Tom qab hu xov tooj, koj yuav tsum ua raws li tsab ntawv. Sau cov lus sib tham thiab rov ua qhov laj thawj vim li cas koj thiaj li nyuaj rau daim nqi. Nco ntsoov tias koj tsab ntawv suav nrog cov hauv qab no:
- Koj cov ntaub ntawv xov xwm. Qhia koj lub npe thiab tus lej cim tus neeg mob twg lub tsev kho mob muab rau koj.
- Cov nqi koj tab tom sib cav. Ua kom siv tus nqi tshwj xeeb ntawm daim nqi. Piv txwv li, "Tshwj xeeb, Kuv tsis xav tias kuv yuav tsum tau them tus nqi $ 24.55 rau hnab looj tes roj hmab ntawm ob lub Peb Hlis 21 thiab 22."
- Qhov laj thawj yog vim li cas koj thiaj tsis pom zoo qhov nqi. Koj tuaj yeem sau, "Raws li kuv tau piav qhia hauv xov tooj, cov khoom xws li hnab looj tes roj hmab yuav tsum suav nrog hauv tus nqi chav, vim tias lawv yog cov khoom siv txheem."
- Cov ntaub ntawv txhawb nqa. Ntawm no, koj tuaj yeem luam tawm cov ntaub ntawv uas qhia tias lwm lub tsev kho mob them nqi dab tsi. Koj tuaj yeem siv lawv hauv koj tsab ntawv. "Raws li koj tuaj yeem pom, tus nqi nruab nrab rau lwm ob lub tsev kho mob hauv nroog yog tsawg dua li ib nrab uas koj tau them rau kuv. Kuv tau suav nrog kev luam tawm tus nqi rau koj cov neeg sib tw."
Kauj Ruam 5. Xav txog kev ntiav ib tus kws lij choj
Yog tias lub tsev kho mob yuav tsis txo tus nqi mus rau qhov uas ua rau koj zoo siab, tom qab ntawd koj yuav tsum xav txog kev ntiav tus neeg mob lossis tus kws pab them nqi kho mob. Cov neeg tawm tswv yim no feem ntau ua haujlwm ntawm qhov xwm txheej ceev; uas yog, lawv yuav siv ib feem ntawm koj cov nyiaj khaws tseg (piv txwv li 20-30%) raws li lawv cov nqi. Yog tus neeg pab txhawb nqa txuag koj $ 20,000, ces nws lossis nws yuav tau txais $ 5, 000.
- Qee tus neeg tawm tswv yim kuj tseem yuav txaus siab ua haujlwm rau tus nqi ib teev. Feem ntau, lawv tuaj yeem them los ntawm $ 50 txog $ 175 ib teev.
- Koj tuaj yeem nrhiav tus neeg pab tswv yim hauv online lossis hauv koj phau ntawv xov tooj. Lawv tuaj yeem raug teev npe nyob hauv ntau lub npe sib txawv, suav nrog "thov pab cov kws tshaj lij," "cov kws tshaj lij hais txog kev kho mob" lossis "cov neeg pab txhawb kev saib xyuas kev noj qab haus huv."
- Koj kuj tseem yuav xav ntiav kws lij choj hloov chaw ntawm tus neeg mob tawm tswv yim. Zoo li cov neeg tawm tswv yim, ntau tus kws lij choj yuav ua haujlwm tsis xwm yeem, thiab lawv yuav them ib ncig 30% ntawm cov nyiaj khaws tseg uas lawv tau txais rau koj.
Kauj Ruam 6. Sib tham nrog tsev kho mob
Yog tias koj muaj tus kws lij choj lossis kws lij choj, lawv tuaj yeem sib tham nrog tsev kho mob kom txo tus nqi qis. Koj yuav tsum tau sim daws kev sib tham ntawm koj tus kheej, tom qab ntawd nco ntsoov hauv qab no:
- Tsis kam them rau txhua yam uas koj tsis tau siv. Yog tias tus nqi pom ntawm daim nqi yuam kev, tsis kam them. Nug lub tsev kho mob saib koj cov ntaub ntawv kho mob kom paub tseeb tias kws kho mob thiab kws saib xyuas mob nkeeg tau siv cov khoom koj tau them rau.
- Yog tias tsev kho mob tau ua yuam kev, ces hais kom lawv them rau nws. Piv txwv li, yog tias koj tau kis mob thaum nyob hauv tsev kho mob, sim mus rau hauv tsev kho mob kom them sijhawm ntxiv nyob hauv tsev kho mob.
- Ua siab ncaj txog koj cov nyiaj txiag. Yog tias daim nqi siab heev koj tsis xav tias koj tuaj yeem them tau, hais li ntawd.
- Qhia kom them nyiaj ib feem hauv kev pauv rau tus nqi luv. Qee lub tsev kho mob yuav pom zoo txiav cov nqi tseem ceeb yog tias koj tuaj yeem them tag nrho ib zaug.
Kauj Ruam 7. Sib tham ncaj qha nrog kws kho mob
Yog tias koj daim nqi los ntawm kws kho mob lossis lwm tus kws tshaj lij kho mob ncaj qha, sib tham nrog lawv ncaj qha. Siv tib lub tswv yim zoo li yog koj tab tom sib tham nrog tsev kho mob. Yog tias koj muaj tus kws pab tswv yim los pab koj, tham nrog lub tswv yim nrog lawv.
Kauj Ruam 8. Nug txog kev pab nyiaj txiag
Raws li txoj cai, tsev kho mob tsis muaj txiaj ntsig yuav tsum muaj cov kev pabcuam nyiaj txiag. Koj yuav tsum kuaj nrog tsev kho mob kom paub qhov tsim nyog tau txais. Feem ntau, kev tsim nyog tau txais yog nyob ntawm koj cov nyiaj khaws tseg thiab cov nyiaj tau los. Nug lub tsev kho mob txog kev pab nyiaj txiag, vim tsev kho mob zoo li tsis tshaj tawm cov haujlwm no.
Txawm hais tias koj siv lub tsev kho mob kom tau txais txiaj ntsig, koj tseem yuav tsum nug txog cov peev txheej pabcuam nyiaj txiag. Cov kev pabcuam no tuaj yeem txo tus nqi tag nrho uas koj tshuav lossis muab cov phiaj xwm them rov qab yooj yim
Kauj Ruam 9. Siv qhov kev hem thawj ntawm kev poob nyiaj txiag
Raws li qhov kawg ntawm kev mob siab rau kom tau txais kev pom zoo, txiav txim siab tham txog koj qhov kev txaus siab ua ntaub ntawv thov nyiaj txiag poob nrog kws kho mob lossis tsev kho mob. Yog tias koj ua ntaub ntawv thov nyiaj poob lag luam thiab muaj nuj nqis kho mob, kws kho mob lossis tsev kho mob lub peev xwm los sau tau qis heev. Koj tuaj yeem siv qhov no los sib tham raws li kws kho mob yuav tsis xav kom lawv cov nuj nqis mus dhau kev poob nyiaj txiag.
Tsis txhob ntshai muab koj daim npav tso rau ntawm lub rooj thiab qhia rau lwm tus tias koj tab tom saib dab tsi. Koj yuav xav tsis thoob ntawm qhov kev pom zoo uas koj tuaj yeem ua yog tias koj sim
Lub tswv yim
- Cov kws tshaj lij hais tias kwv yees li 80% ntawm cov nqi kho mob muaj qhov ua yuam kev, yog li koj yuav tsum txaus siab siv sijhawm thiab ua tib zoo tshuaj xyuas koj cov nqi.
- Khaws daim ntawv theej ntawm txhua yam ntawm koj cov kev sib txuas lus, txawm tias nrog tsev kho mob lossis nrog koj tus kws lij choj/kws lij choj.
