Hais txog daim ntawv kho mob

Daim ntawv them nqi kho mob Health Insurance yog dabtsi thiab Vim Li Cas Kuv Thiaj Li Yuav Tsum Tau Muaj?

Daim ntawv them nqi kho mob Health Insurance yog pab them ib co nqi mus kuaj mob yog tias koj muaj mob, raug mob, los yog muaj lwm yam xws li xeeb tub hauv plab. Nws kuj pab them cov nqi thaum koj mob thiab nrhiav kev kho kom tiv thaiv kom lub neej yav pem suab kom thiaj tsis muaj mob.

Cov nuj nqis tiv ntawm kev kho mob yog ib qho es ib txwm paub tias yog qhov teeb meem tib neeg lwv lawv cov nuj nqis los yog bankruptcy thiab yeej tiv nqis txog lab lab dollars. Yog koj los yog koj tsev neeg muaj mob los yog raug mob, daim ntawv kho mob es yog hom zoo yeej pab tiv thaiv kom koj tsis txhob tiv nqi thiab txom nyem nyiaj txiag mus tag tiam.

Cov tswv yim qhia kom Koj nkag siab txog cov kev kho mob es koj daim ntawv kho mob kam them

• Nkag siab txog cov ntsiab lus siv hauv cov ntaub ntawv kho mob, xws li lo lus “provider” nyob rau nploog txhais cov ntsiab lus.
• Paub tias tsis yog tag nrho cov chaw kho mob kam txais tag nrho cov ntaub ntawv them nqi kho mob xws li health insurance plans los yog hom kev kho es kam them.
  
• Ua ntej koj nrhiav kev kho mob, tham nrog koj lub tuam txhab ntawm daim ntawv kho mob los yog daim ntawv kho mob Medical Assistance los yog MinnesotaCare program kom paub tias hom kev pab kho twg thiab lub tsev kho mob twg koj daim ntawv kho mob thiaj li kam them rau thiab them pes tsawg ntawm ib zaug twg es koj mus ntsib los yog cov tshuaj noj yuav raug tus nqi li cas.
  
• Kawm kom paub txog qhov sib txawv ntawm cov tsev kho mob in-network thiab cov tsev kho mob out-of-network.
• Kom paub txog qhov sib txawv ntawm tej hom ntawv kho tus nqi them txhua hli (premiums, co-payments, deductibles, co-insurance).
• Nug koj lub tuam txhab rau koj daim ntawv kho mob seb hom kev pab twg yog hom kho los ntawm koj tus kws kho mob (primary care), thiab hom twg yog hom kho tau ti tes ti taw (emergency care).

Qhov Tseem Ceeb es Kho Mob ntawm Cov Tsev Kho Mob In-Network

Thaum hais txog daim ntawv kho mob, nws muaj ob hom ntawm cov tsev kho mob: in-network thiab out-of-network. Siv cov tsev kho mob in-network mas feem ntau cov nqi kho mob yuav tsawg zog. Yog tias koj siv cov tsev kho mob out-of-network, feem ntau koj yuav them tus nqi siab zog rau cov kev pab koj.

Piv txwv, feem ntau ntawm cov ntawv kho mob (health plans) yuav tsum tau them cov nqi kuaj tiv thaiv kev mob nkeeg (preventive services) yam koj tsis muaj nqi rau koj them, yog tias koj siv cov tsev kho mob in-network. Cov kev pab no tsuas pab dawb thaum cov tsev kho mob in-network yog cov pab koj.

Ua ntej koj teem caij mus ntsib kws kho mob los yog mus nqa tshuaj noj, tiv tauj koj lub tuam txhab rau daim ntawv kho mob seb lub chaw kho mob ntawd puas yog lub tsev kho mob in-network rau koj daim ntawv kho mob.

Nco ntsoov:

• Daim ntawv kho mob rau cov lawv cov tsev kho mob (network) yeej hloov tau thaum lub sij hawm dhau mus zuj zus.
  
• Ib hom ntawm daim ntawv kho mob sib txawv muaj cov cai sib txawv thaum nrhiav kev kho nyob hauv lawv cov tsev kho mob (network). Piv txwv, ua ntej koj mus ntsib ib tus kws specialist (xws li tus kws kho pob qij txha), koj yuav tsum tau raug xa tawm mus los ntawm koj tus kws kho mob rau koj tsev neeg.
• Hauv ib lub hoo maum, tej zaum tsis yog tag nrho cov neeg muab kev pab kho koj yuav tsis yog cov nyob hauv in-network. Piv txwv, koj tus kws pais koj tej zaum yog tus nyob hauv in-network, tabsis koj tus kws xav tshuaj loog rau koj tej zaum kuj yog tus out-of-network.

Yog tias koj muaj lus nug txog koj daim ntawv kho mob, koj cov tsev kho mob network, los yog yuav tau them tus nqi kho mob pes tsawg, tiv tauj koj lub tuam txhab muab daim ntawv kho mob rau koj los yog Medical Assistance los yog MinnesotaCare program.