Tunah chuan i fa chu a upa tawh a ni lawm ni? Engtin nge naupang enkawlna atanga puitling hriselna lama i inthlak?

Hun hi a thlawk a ni lawm ni? I fa te chu a vawi khatna atana naupang enkawltu hnena i hruai ni kha i hre reng mai thei. Mahse, kan tê tête hi kumkhuain an tlem lo. I fa chu puitling healthcare lama a inthlak hun a lo thleng ta. He inthlak danglamna hi nang leh i fa tan pawh a buaithlak deuh thei. Mahse, lungngai suh, kan pahnih hian kan inbuatsaih tha a nih chuan hei hi puitlingah inthlak danglamna awlsam tak a ni thei.

I fa naupangte chu doctor thar zawng tura puih i duh em?

Naupang an lo puitlin chuan, chu chu kum naupang an tlin hunah, puitling enkawltu doctor an hmu mai thei. Primary Care Physician (PCP) kan ti a ni. A dik tak chuan doctor chi hrang hrang a awm a:

• Internal medicine doctor emaw internist emaw - Heng mite hi puitling natna enkawlna kawnga a bik taka training nei tawhte an ni.
• Family medicine doctor - Heng doctor te hian chhungkaw pum pui, naupang te atanga puitling thlengin an enkawl a. Chuvangin i fain a naupan lai atanga doctor pakhat a hmuh theih chuan a ropui hle.
• General Practitioner (GP) - Heng mite hian natna tlanglawn tam tak an enkawl a.

Kan ramah hian naupang enkawltu doctor-te hian nau piang thar leh naupangte chauh tleirawl hun tawp thlengin an enkawl fo thin. Mahse, he kum bithliah hi naupang enkawlna zawng zawngah a inang vek lo. Hmun thenkhatah chuan kum 18 an tlin hnuah naupang an hmu lo a, hmun dangah chuan rei vak lo an nghak mai thei. Chuvangin, i fain tleirawl a thlen veleh i naupang enkawltu hnenah he thil hi zawh nghal a pawimawh hle.

Entirnan, i fain a hmuh tur nia i ngaih chhungkaw doctor i neih loh chuan, emaw, i fain puitling specialist rawngbawlna mamawhna natna khirh tak a neih chuan, tuna i naupang enkawltu doctor hnenah referral dil rawh Puitling specialist tha tak a recommend thei mai thei.

A châng chuan, i fain natna hmuh tur awm lo , chak lohna, emaw, naupang enkawlna (naupan lai aṭanga ṭan natna) a neih chuan, puitling enkawltu PCP emaw, specialist emaw hmuh chu a harsa deuh thei a ni. Hei hi a chhan chu heng natna khirh tak tak nei naupangte enkawl duh leh tawnhriat nei doctor i zawn a ngai a ni. Chuvangin, chutiang doctor zawng chu a hmaa zawn tan a finthlak a, chu chu i fa chu a naupan lai a ni.

Thil dang pakhat chu, trial period atan specialist thar i enchhin thei bawk.I fate inhmuh theihna hun remchang i pe thei em tih zawt rawh. Tichuan, i fa naupang enkawltu hlui nen inbia ula, thil thar chu engtin nge a kal zel tih te, thil a kal dan te, etc. He process zawng zawng hi hun tam tak pe rawh. Tichuan, thil engemaw a kalsual chuan i fa chuan an naupang enkawltu hlui chu a hmu thei ang a, puitling doctor tha leh inmil tak i hmuh hma loh chuan.

I fate tana health care coverage dik tak thlang turin kan pui ang che.

Tunah chuan health insurance coverage chungchang hi han sawi ila. I fa chu i health insurance coverage-a innghat a nih chuan, Affordable Care Act (ACA) -in a sawi dan chuan, i fa chu kum 26 a tlin thlengin i insurance-in a cover thei a, naupang chu zirna sang zawka zir emaw, in lama awm emaw, hnathawk emaw, nupui pasal nei emaw pawh ni se, a pawimawh lo. I policy hian a la huam thei tho. Kan ramah hian heng dante hi insurance company hrang hrangah a inang lo deuh thei a, policy hrang hrangah pawh a inang lo thei bawk. Chuvangin i insurance company hnenah hemi chungchang hi zawt la a tha ber.

I fa chu hnathawhna hmuna health care plan-a innghat a nih chuan, chu coverage chu naupangin kum 26 a tlin chuan a tawp tlangpui a, chuvangin, chu ni hma lawk chuan insurance coverage thar i zawng tan tur a ni. ACA Health Insurance Marketplace ang system hmanga insurance i neih chuan, United States ang bawkin, chu insurance chu i fa kum 26 a tlin kum December 31 thleng i vawng thei mai thei a, kan ram dinhmun hi a danglam thei a, chuvangin i insurance policy thuthlungte chu ngun takin chhiar la.

Naupang tan insurance option te chu engte nge ni?

Company tam tak chuan an employee benefits package-ah group health care coverage an pe a ni. Hei hian hnathawkte chu an plan chu an duh angin an siam thei a ni. Ha enkawlna, mit enkawlna, emergency care, leh damdawi lam enkawlna pangngai ang chi thilte pawh a huam thei a ni . Long-term disability insurance tih pawh a awm thei bawk . Hei hi hun rei tak hnathawk thei lo i nih chuan damdawi lama hlawkna i hmuh thin a ni. Mahse, hei hi additional cost a awm a ni.

I hnathawhna hmun kaltlangin, chu chu i hnathawhna hmun kaltlangin insurance i neih chuan i fain a hnuaia mite hi a pek a ngai dawn a ni:

• Monthly premium - Hei hi insurance enkawl nan thla tin i pek tur zat a ni.
• Co-pays leh out-of-pocket fee te hi healthcare provider, doctor leh pharmacy te hnena i pek tur a ni . Chungte chu doctor fee atanga i pocket atanga i pek chhuah damdawi man atanga a then emaw a ni.

I fa puitling chu i insurance plan-in a huam tawh lo va, a hnathawhna hmun emaw, a nupui/pasal emaw plan kaltlangin health coverage a nei tawh lo tih han ngaihtuah teh. Chutiang a nih chuan COBRA (Consolidated Omnibus Budget Reconciliation Act) tih program hnuaiah coverage an dawng thei ang. Hei hi U.S. dan a ni a, health insurance company zawng zawngte chuan an group plan-a coverage chu a hmaa innghahna nei tawhte tan thla 36 thleng hun eng emaw chen an titawp tur a ni.

COBRA hi a thleng mai mai lo. I fain a dil a ngai a ni. Tin, eligibility period a tlem avangin dil thuai a ngai bawk. Mahse, i plan-a innghat anga thla tin premium i pek aiin a man a to zawk dawn tih hre reng ang che.

Kan ramah hian hetiang COBRA system bik awm lo mah se, insurance company thenkhat chuan chutiang dinhmun chinfelna atan ruahmanna hrang hrang an pe thei a ni. Chuvangin, chu pawh chu check lut ve rawh.

Thil dang chu United States-a HealthCare.gov -a Marketplace kaltlangin mimal hriselna coverage thlan a ni. Plan tam tak chu i fa puitling sum lakluh atanga chhut a ni. An man tlawm zawka siam turin subsidy pek an ni bawk. Kan ramah hian private insurance company kaltlangin mimal insurance policy pawh i hmu thei bawk. Company tin atangin an chanchin kimchang zawk i hmu thei ang.

A bik takin ngaihtuah tur thil

Special case thenkhat a awm a, chutiang pawh chu kan hriat chian a tha hle.

Insurance company te hian a tlangpuiin coverage an hnial thei lo va, pre-existing condition nei mi pakhat tan pawh charge tam zawk an la thei lo (hei hi ram tam takah chuan dan a ni a, i insurance policy terms a zirin a danglam thei a, chuvangin i policy i hmuh hunah he thil hi zawt rawh). I fain hriselna enkawlna mamawh bik a neih chuan i insurance plan hian puitling rualbanlo naupangte tan special clause a nei thei a ni . Hei hian rualbanlo naupang puitlingte chu khapna awm lovin an nu leh pate ruahmannaah an awm reng thei a ni. I insurance company hian hei hi a pe em tih enfiah rawh.

Naupang puitling rualbanlote chu an sum lakluh chu damdawi lam rawngbawlna senso phuhrukna tur a tling lo a nih chuan, emaw, United States-a ang bawka Supplemental Security Income (SSI) ang chi hamthatna an dawng thei/hlam thei a nih chuan, Medicaid ang chi sorkar programme hmangin an cover thei a ni. Kan ramah hian Department of Social Services hian rualbanlote tan hamthatna leh tanpuina chi hrang hrang a pe a. Chu chu i enfiah thei bawk.

United States-ah chuan Social Security Disability Insurance (SSDI) hi kum 22 hmaa rualbanlote tan a ni.SSDI pawh i dawng thei bawk. Heng hamthatnate hi naupang rualbanlo, an hnathawh chhung zawnga an nu leh pate’n Social Security-a pawisa an pek tawhte tan pek a ni. Nu leh pate chu thi tawh, pension tawh, emaw, rualbanlote tanpuina dawng mek an nih chuan, chu naupangte pawhin heng hamthatnate hi an dawng thei bawk. Thla 24 chhung SSDI an neih hnuah chuan U.S. sorkar insurance plan Medicare pawh an dawng thei bawk.

Sri Lanka-ah pawh hian Employees Provident Fund (EPF) leh Employees Trust Fund (ETF) ang chi scheme hrang hrang a awm a, chungte chuan damdawi lama mamawh thenkhat tan hamthatna engemaw zat a pe a ni. Sawrkar damdawi in kalphung kaltlangin service tam tak a thlawna emaw, man tlawm zawkin emaw a awm tih hriat reng a pawimawh bawk.

Engtin nge i fa tê tê chu mawhphurhna nei damlo ni tûrin i ṭanpui theih?

Puitling healthcare hi damlo mawhphurhna atanga thlir a ni . Chu chu appointment siam atanga doctor thusawi ngaihthlak thlengin a hun taka damdawi ei thlengin i mawhphurhna a ni tihna a ni. Chu mawhphurhna nen chuan thununna a lo thleng bawk . Chuvangin, i fa hi an damdawi lam thutlukna zawng zawng siamtu a ni. Tin, an damdawi lam chanchin zawng zawng chungchangah mimal chanchin hriat theihna an nei bawk. I hnena an hrilh duh loh chuan, chu thu chu i hre lo mai ang. Hei hi a thar deuh mai thei, a chhan chu an naupan lai khan engkim hi nangmah kaltlangin a kal vek a ni.

I fanu emaw, i fapa emaw chu amah chauhin doctor a pan dawn niin han ngaihtuah teh. Doctor zawhnate chhang thei tur leh a ngaihtuahnate chiang taka sawifiah thiam a ngai a ni. Doctor thupek a hriatthiam a, a zawm ngei ngei a ngai bawk.

I kum a lo upat deuh deuh chuan i damdawi lam chanchin chu health care provider i hmuh apiang hnenah i share vek a pawimawh. Hei hian natna hmasa te, operation te, damdawi te, immunization te ang chi te a huam a ni. Tin, damdawi allergy i neih emaw, chhungkaw history-a cancer emaw thinlung natna ang chi natna i neih chuan doctor hnenah hrilh ngei ang che. He information hian i doctor chu a dik taka a hriat theih nan a pui ang a, enkawlna tha ber a pe bawk ang.

I fanu emaw, i fapa emaw chu an medical record zawng zawng copy vawng turin hrilh la, chubakah damdawi list thar ber ber dah bawk ang che. Hei hi emergency-ah pawh a tangkai thei hle.

Tin, damdawi lam harsatna i neih hunah doctor pan a pawimawh a, chubakah checkup leh screening neih fo a pawimawh bawk . Test i mamawh chi chu i fa mimal leh chhungkaw medical history-ah a innghat ang.

Engtin nge ka fate chu anmahni hriselna enkawlna mawhphurhna la turin ka puih theih ang?

I fa chu a naupan lai atanga an hriselna enkawlna (co-manage) tan tir turin i pui thei ang. Zawi zawiin active role la rawh se. Entirnan, appointment schedule leh prescription refill ang chi thil ti rawh se. Hei hian mahni inrintawkna a siam a, nu leh pate hnenah mahni in enkawl thei tih a lantir bawk.

I fa chu kum 15 emaw 16 emaw a nih chuan, ‘Fapa/fanu, i doctor appointment lo awm tur chu nangmah ngeiin siam tum rawh’ i ti ang tih han ngaihtuah teh. A tirah chuan tanpuina tlem i mamawh mai thei a, mahse hun engemaw chen hnuah chuan amah chauhin a ti thiam tawh ang. Hetiang thil tenau tak tak hmang hian mawhphurhna lian tak tak lak an zir thin.

Puitling healthcare lama inthlak hi zan khat thil thuah a thleng lo. Zawi zawiin a thleng a ngai a ni. Mahse ruahmanna siam lawk a, beisei tur chungchang sawiho hian naupangte chu a hun a thlen hunah anmahni healthcare enkawl tura tanpui kawngah kawng thui tak a zawh dawn a ni.

Chuvangin, he thu hi han dah khawm ila, kan sawi dun kha i hre reng ang u? (In lama hruai tur thuchah)

I fa chu naupang enkawlna atanga puitling healthcare-a sawn chu thil lian tak angin a lang thei a, mahse uluk taka enkawl a nih chuan harsatna a ni lo.

• A hmain tan rawh: Doctor thar zawng tan la, i fa chu a naupan laiin insurance duhthlan tur zawng rawh.
• I fa chu biak rawh: He inthlâk danglamna leh a mawhphurhna tharte chungchâng chu zalen takin sawipui rawh. A ngaihdan te hi ngaithla teh.
• Doctor tha tak zawng turin tanpui rawh: I fa chu an mamawh ang chiah leh awlsam taka an biak theih tur doctor thlang turin tanpui rawh. Hei hi i fain natna khirh tak emaw, mamawh bik emaw a neih chuan a pawimawh hle.
• Insurance chungchangah fimkhur rawh: I fate insurance coverage hun chhung leh insurance thar i mamawh chuan duhthlan tur awmte chu zirchiang rawh.
• Mawhphurhna nei turin fuih rawh: Zawi zawiin i fate chu anmahni hrisêlna, damdawi lam chanchin, leh doctor-te inpêkna chungchânga mawhphurhna la tûrin zirtîr rawh. Chûng thilte chu anmahni chauhin an ti thei tih inrintawkna siam rawh.
• I tanpuina chu a la mamawh reng a ni: I fa chu upa tawh mah se, he inthlak danglamna hun chhung hian i kaihhruaina leh i thlawpna chu a hlu hle.

Hei hi i fate puitling mahni inrintawkna nei tura a zinkawng pawimawh tak pakhat chauh a ni tih hre reng ang che. I hmangaihna leh in thlawpna nen chuan an tan he harsatna hi hneh a harsa dawn lo!

` Naupang hriselna, puitling hriselna enkawlna, naupang damdawi lam enkawlna, hriselna insurance, thalai hriselna, damdawi lam inthlak danglamna, nu leh pa lam thurawn