Managing money

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对一些人来说,a heart attack or heart surgery can cause money worries.成本加起来,especially if you can't work for a while,是领取养老金的人,或者没有私人健康保险。当你已经开始恢复的时候,这会增加更多的压力。

你并不孤单。研究表明,大约一半的心脏病患者经历了一些经济困难。有可用的帮助,以及可以寻求建议的地方。

健康保险

心脏病发作被归类为预先存在的疾病。That may affect insurance premiums and require special conditions or exclusions.有些公司可能会要求你做一个医疗评估。联系你的保险公司,看看你的保险范围是否受到影响。

在购买健康保险前和你的医生谈谈。保险公司经常要求提供详细的医疗信息。四处购物以获得最有价值的保险。You can still get cover with a pre-existing condition,but there might be a waiting period before you can claim.

找救护车掩护

你还应该确保你有救护车的掩护。Your private health insurance may cover you for ambulance transport,但只有在紧急情况下,so it's important to check.如果你住在昆士兰或塔斯马尼亚,ambulance cover is automatically provided.

Income protection

大多数心脏病患者仍然可以获得生命和收入保障保险。但是它可能更贵,并且有特殊的条件或除外条款。

特殊情况将取决于您的家庭历史,the severity of your heart disease,你控制得有多好。It may mean you're not covered for future heart-disease-related illnesses.和你的保险公司核实一下。

福利和财政支持

如果你的心脏病影响了你的工作能力,为了照顾自己,or your mobility,您可能有权获得一些财政支持和福利。

向你的雇主了解你有权享有多少带薪病假。还要检查一下你的保险单,看看它们是否能支付一些账单或代替一些收入。例如:

  • 医疗保险不包括医疗费用的医疗保险
  • 特定疾病或伤害的创伤保险
  • total and permanent disability (TPD) cover for the costs of rehabilitation,debt repayments and the future cost of living
  • 收入保障:如果你因受伤或生病而不能工作,那么就用收入来代替你的部分收入。

You may qualify for a concession or health care card,或疾病津贴或伤残补助金等福利。获得福利取决于你的财务状况,age and how long you've lived in Australia,以及你的健康。The benefits system can be confusing,所以通常最容易contact Centrelink about your circumstances.

Medical costs

心脏病发作后可能会有大量的自付医疗费用。通常有不止一个健康专家参与你的护理,你可能需要经常看到他们。如果感觉太多了,discuss what is most important to you with your doctor and ask about getting a mental healthcare plan.

Concessions

Check that you're getting all the concessions you're entitled to,like the Health Care Card,低收入医疗卡,或退伍军人事务部的特许证。这有助于降低医疗预约和药物的成本。您的孩子也可能被保险。

Learn more aboutconcession and health cards.

省钱买药

Talk with your doctor and pharmacist about ways to save money on medicines without compromising your health – but always check with your doctor before changing how you take your medicines.

Generic brands

许多药品价格便宜,generic brands.它们仍然有相同的活性成分。问问你的处方药有没有便宜的牌子。

不同的优势

Sometimes getting a different strength of your medicine can save money.例如,如果你通常一次服用两片100毫克的药片,and there's a 200 mg tablet available,也许可以换一个,可能更便宜。But always check with your doctor.

Splitting higher dose tablets to get your dose cheaper isn't always a good idea.有些药片由于包衣而必须整片服用,and others are hard to split accurately.Talk to your doctor or pharmacist before you split tablets.

PBS Safety Net

确保你的药房有你的医疗保险号存档。That way you will be charged the Pharmaceutical Benefits Scheme (PBS) price.With the PBS Safety Net,you get free or cheaper prescription medicines once you've spent a certain amount in a calendar year.

进一步了解PBS安全网。

医学评论

Have your doctor or pharmacist review your medicines,to check if you're buying ones that you don't need.You can also get aHome Medicines Review.

Emergency relief

Don't be afraid to seek emergency financial help from local charities.They can help with things like food,transport,化学优惠券,帮助处理账单和预算。

紧急救援为金融危机中的人们提供即时的财政和/或物质支持。Emergency Relief services are delivered by community organisations and help people address immediate basic needs in times of financial crisis.紧急救援可以作为人们在经济困难或困难时的安全网,以及谁拥有有限的手段或资源来帮助他们缓解金融危机。

Access to Emergency Relief is free,however,个别服务提供者可能需要满足某些标准才能访问其特定的ER服务。

您当地的紧急救援提供者可以在DSS服务目录.

帮助还债

如果你发现很难还清债务,不要惊慌。Call the company you owe money to as soon as you can,并要求与困难官员交谈。解释这个问题,并试着制定一个还款计划。

Learn more aboutgetting help with debts.

运输帮助

If you need follow-up appointments after you leave hospital,看看医院是否有交通服务。Check with the outpatient's department you're booked in to attend.

You may be eligible for aCommonwealth Mobility Allowance.