{"id":14802,"date":"2023-01-23T19:00:09","date_gmt":"2023-01-24T00:00:09","guid":{"rendered":"https:\/\/18fbf770e8.nxcli.io\/?p=14802"},"modified":"2023-01-23T19:00:11","modified_gmt":"2023-01-24T00:00:11","slug":"milletvekilleri-hedef-saglik-sigortasi-gizli-ucretler","status":"publish","type":"post","link":"https:\/\/napolilaw.lemonadestand.org\/tr\/article\/milletvekilleri-hedef-saglik-sigortasi-gizli-ucretler\/","title":{"rendered":"Milletvekilleri Sa\u011fl\u0131k Sigortas\u0131n\u0131n Gizli \u00dccretlerini Hedef Ald\u0131"},"content":{"rendered":"

1 Ocak 2023'te y\u00fcr\u00fcrl\u00fc\u011fe giren federal S\u00fcrpriz Yok Yasas\u0131, sa\u011fl\u0131k sigortas\u0131 \u015firketlerini m\u00fc\u015fterilere bir sa\u011flay\u0131c\u0131n\u0131n uygun olup olmad\u0131\u011f\u0131n\u0131 a\u00e7\u0131k\u00e7a s\u00f6ylemeye zorluyor. a\u011f i\u00e7i veya a\u011f d\u0131\u015f\u0131<\/a>.\u00a0<\/p>\n\n\n\n

\"hi\u00e7bir<\/figure>\n\n\n\n

New York Eyaletinde benzer bir yasa 2015'ten beri y\u00fcr\u00fcrl\u00fckte. Eyalet ve federal d\u00fczenlemelerin t\u00fcketicileri korumak i\u00e7in birlikte nas\u0131l \u00e7al\u0131\u015faca\u011f\u0131n\u0131 anlamak, Sal\u0131 g\u00fcn\u00fc New York Eyalet Barosu'nun Y\u0131ll\u0131k Toplant\u0131s\u0131nda d\u00fczenlenen bir panel tart\u0131\u015fmas\u0131n\u0131n konusuydu. <\/p>\n\n\n\n

Federal yasa y\u00fcr\u00fcrl\u00fc\u011fe girmeden \u00f6nce, \u201cNew York kapsaml\u0131 mevcut korumalar<\/a>Y\u00f6netilen bak\u0131m planlar\u0131n\u0131 ve \u00f6n \u00f6demeli sa\u011fl\u0131k hizmeti planlar\u0131n\u0131 temsil eden New York Sa\u011fl\u0131k Plan\u0131 Derne\u011fi Dan\u0131\u015fman\u0131, \u201ddedi. "Bir\u00e7ok y\u00f6nden, New York'taki yasam\u0131z baz\u0131 federal h\u00fck\u00fcmler i\u00e7in bir modeldi." <\/p>\n\n\n\n

Bununla birlikte, baz\u0131 a\u00e7\u0131lardan, federal yasa daha geni\u015ftir. \u00d6rne\u011fin, New York yasas\u0131 hava ambulanslar\u0131yla ilgili hi\u00e7bir koruma i\u00e7ermez, ancak federal yasa i\u00e7erir. Ve eyalet yasas\u0131 yaln\u0131zca doktorlardan ve hastanelerden gelen s\u00fcrpriz faturalar\u0131 kaps\u0131yordu. Federal yasa daha fazla t\u00fcketici korumas\u0131 sa\u011flad\u0131\u011f\u0131ndan, bu durumlarda ge\u00e7erlidir.\u00a0<\/p>\n\n\n\n

Sa\u011fl\u0131k Sigortas\u0131 ve T\u0131bbi Faturalar <\/h2>\n\n\n\n

S\u00fcrpriz sa\u011fl\u0131k faturalar\u0131 (gizli \u00fccretler), kurbanlar kazalarda yaralan\u0131nca yeni bir anlam kazan\u0131yor. Genellikle sa\u011fl\u0131k sigortas\u0131 \u015firketleri yaralanmayla ilgili masraflar\u0131 \u00f6demeyi reddetmek<\/a> ba\u015fta. Daha da k\u00f6t\u00fcs\u00fc, sigorta \u015firketi bir masraf\u0131n yaralanmayla ilgili oldu\u011funu \u00f6\u011frendi\u011finde, genellikle poli\u00e7e sahibinden geri \u00f6deme talep eder.\u00a0<\/p>\n\n\n\n

Ortalama hastanede kal\u0131\u015f maliyeti g\u00fcnde $3.000'in \u00fczerindedir. Bir\u00e7ok kurban g\u00fcnlerce veya haftalarca hastanede bak\u0131m gerektirir. Doktorun ameliyat yapmas\u0131 gerekiyorsa ve bir\u00e7ok kurban birden fazla ameliyat gerektiriyorsa, maliyetler on veya yirmi kat daha y\u00fcksek olabilir. <\/p>\n\n\n\n

Ayr\u0131ca, taburcu olduktan sonra da ma\u011fdurlar fizik tedavi, pahal\u0131 re\u00e7eteli ila\u00e7lar, takip bak\u0131m\u0131 ve pahal\u0131 t\u0131bbi cihazlar i\u00e7in \u00f6deme yapmak zorundad\u0131r. Bu ikincil maliyetler genellikle birincil maliyetleri a\u015far. <\/p>\n\n\n\n

\u00c7al\u0131\u015famayacak durumdaki yaral\u0131lar bu faturalar\u0131 \u00f6deyecek durumda de\u011fil. Sa\u011fl\u0131k sigortas\u0131 \u015firketlerinin \u00f6demeye izin vermesi gibi pek olas\u0131 olmayan bir durumda, muafiyeti \u00f6demekte yeterince sorun ya\u015f\u0131yorlar. <\/p>\n\n\n\n

Yasal sorunlar <\/h2>\n\n\n\n

Kurbanlar eninde sonunda yaralanmayla ilgili t\u0131bbi faturalar\u0131 \u00f6demek zorundad\u0131r. New York'un kompleksi sayesinde, son faturalar s\u0131kl\u0131kla daha d\u00fc\u015f\u00fckt\u00fcr. teminat kayna\u011f\u0131 kural\u0131<\/a>. \u00c7o\u011fu insan, kurbanlar\u0131n \u00e7ift dald\u0131rma yapamamas\u0131 gerekti\u011fi konusunda hemfikirdir. Bir sigorta \u015firketi veya ba\u015fka bir teminat kayna\u011f\u0131 bir fatura \u00f6derse, ma\u011fdur bu paray\u0131 cebe indiremez. Ayn\u0131 zamanda, haks\u0131z fiilciler (ihmalkar akt\u00f6rler), bir kurban sigorta sat\u0131n alacak kadar sorumlu oldu\u011fu i\u00e7in beklenmedik finansal kazan\u00e7lar almamal\u0131d\u0131r. <\/p>\n\n\n\n

Empire State'te, teminat kayna\u011f\u0131n\u0131n bir faturay\u0131 \u00f6deyebilece\u011fine dair kan\u0131t varsa, yarg\u0131\u00e7lar tazminat kararlar\u0131n\u0131 azaltabilir. Steve'in sa\u011fl\u0131k faturalar\u0131 $100.000 ise ve sigorta \u015firketi $80.000 \u00f6d\u00fcyorsa, kalan faturalar i\u00e7in $20.000 tazminat almaya hak kazan\u0131r. Ancak teminat kayna\u011f\u0131 kural\u0131, avukat m\u00fczakereli indirimler i\u00e7in ge\u00e7erli de\u011fildir. E\u011fer Steve'in New York ki\u015fisel yaralanma avukat\u0131<\/a> hastaneyi Steve'in $100k faturas\u0131n\u0131 $80k'ya d\u00fc\u015f\u00fcrmeye ikna ederse, Steve kalan $20k'y\u0131 alabilir. <\/p>\n\n\n\n

Teminat kayna\u011f\u0131 kural\u0131 genellikle ekonomik olmayan hasar \u00e7o\u011falmalar\u0131n\u0131 etkilemez. Duygusal s\u0131k\u0131nt\u0131 ve di\u011fer maddi olmayan zararlar\u0131n kayb\u0131n\u0131 belirlemek i\u00e7in, \u00e7o\u011fu New York ki\u015fisel yaralanma avukat\u0131, bir teminat kayna\u011f\u0131 \u00f6desin ya da \u00f6demesin, davan\u0131n ger\u00e7eklerine ba\u011fl\u0131 olarak ekonomik kay\u0131plar\u0131 iki, \u00fc\u00e7 veya d\u00f6rt ile \u00e7arpar ve birka\u00e7 di\u011fer hususlar.\u00a0<\/p>\n\n\n\n

Mahkeme d\u0131\u015f\u0131 anla\u015fmalar, duru\u015fmalar\u0131n aksine, genellikle bu ve di\u011fer yasal sorunlar\u0131 \u00e7\u00f6zer. Her iki taraf\u0131n da iyi niyetle m\u00fczakere etmesini sa\u011flayan profesyonel arabulucular, genellikle taraflar\u0131n anla\u015fman\u0131n m\u00fcmk\u00fcn olmad\u0131\u011f\u0131 durumlarda anla\u015fmaya varmalar\u0131na yard\u0131mc\u0131 olur. <\/p>\n\n\n\n

Yaralanma ma\u011fdurlar\u0131 \u00f6nemli tazminat alma hakk\u0131na sahiptir. ile \u00fccretsiz dan\u0131\u015fma i\u00e7in New York'ta deneyimli ki\u015fisel yaralanma avukat\u0131<\/a>, contact Napoli Shkolnik, . You may have a limited amount of time to act. <\/p>","protected":false},"excerpt":{"rendered":"

1 Ocak 2023'te y\u00fcr\u00fcrl\u00fc\u011fe giren federal S\u00fcrpriz Yok Yasas\u0131, sa\u011fl\u0131k sigortas\u0131 \u015firketlerini m\u00fc\u015fterilere bir sa\u011flay\u0131c\u0131n\u0131n a\u011f i\u00e7inde mi yoksa a\u011f d\u0131\u015f\u0131nda m\u0131 oldu\u011funu a\u00e7\u0131k\u00e7a s\u00f6ylemeye zorluyor. New York Eyaletinde,\u2026<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[782],"tags":[],"class_list":["post-14802","post","type-post","status-publish","format-standard","hentry","category-civil-rights"],"acf":[],"page_builder_type":"gutenberg","gutenberg_data":[],"_links":{"self":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts\/14802","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/comments?post=14802"}],"version-history":[{"count":0,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts\/14802\/revisions"}],"wp:attachment":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/media?parent=14802"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/categories?post=14802"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/tags?post=14802"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}