Your Complete Guide to Affordable Coverage
Asi kungotsvaka kuraswa kwehutano yveshuwarisi kunogona kutungamirira kumapapiro muhutano hwehutano inshumo. Kana uchitsvaga hutachiwana hwehutano hwehutano inshuwarheni, haufaniri kungoona chete mutengo wemutengo wehutano hwehutano hwehutano asiwo unonzwisisa rudzi rwehutano hwehutano hwehutano hwauri kuwana.
Pasi pane matanho mashanu ekukubatsira kwete kungowana hutano hwehutano hwehutano huripo asi matanho mashanu aya achakubatsirawo kuti uwane zvakanyanya pane hutano hwehutano hunovhara.
1. Ndeupi rudzi rweUtano Inishuwarenzi Inobatsira Iwe Unoda ?:
Paunotanga kutsvaga kwako kuti uwane hutano hwehutano husingakwanisi, vanhu vazhinji vanowanzoenda neyokutanga yehutano yehutano inshumo uye havaiti zvakakwana kutsvakurudza kuti vawane hutano hwakanaka hwehutano inshuwarheni yezvavanoda.
Utano hwehutano hwehutano hunoenderana nemamiriro ako ehupenyu. Heano hupenyu hwehupenyu huripo uye hutano hwakasiyana-siyana hwehutano huripo:
- Kushanda: Bhizimisi (Best Choice), Independent Health Insurance Coverage (kana uchienda kune kambani ye inshuwarisi uye utenge inshuwarisi yehutano kwete nemushandirwi), State Sponsored Plan (pasi shoma) kana Self-Insure
- Kuzvishanda: Kuzvimiririra (kana uchienda kune kambani yveshuwarenzi uye utenge inshuwarisi yehutano kwete nevanoshandira), State Sponsored Plan (yakaderera mari) kana Self-Insure
- Kwete Kushanda: Vashandi kuburikidza neCobra , Independent Health Insurance Coverage (kana iwe uchienda kune kambani yveshuwarenzi uye utenge inshuwarisi yehutano kwete nemushandirwi), State Sponsored Plan, kana Self-Insure
- Chikoro: Cobra (kuburikidza neMhuri yeUrano Insurance Provider) , State Sponsored Plan, kana Self-Insure
2. Kusarudza Health Insurance Company:
Iye zvino zvaunoziva zvakawanda nezvehutano hwehutano inshuwarheni inoda, ndiyo nguva yekufunga nezvekuwana kambani yerinishuwarenzi iyo inopa hutano huri nani hwehutano inshumo yezvaunoda.
Kuziva zvakawanda pamusoro pesimba rezvemari yekambani yeinishuwarenzi ndiyo inofanirwa. Uyezve, nzira yakanakisisa yokuwana nayo inyanzvi yehutano yehutano inoshandiswa iwe ndeyekudzidza kuenzanisa nheyo dzehutano hwehutano hwehutano hwakakosha kwauri. Heano mamwe maitiro anogona kubatsira:
10 Kukurukurirana Kunokosha Pakufananidza Utano Hwakanaka Zvirongwa
Inishuwarenzi Yepapi Inoparidzira Makadhi: Ndeapi Gwaro Rakaburitswa Nayo Yenyu?
3. Kuita Kudanwa:
Wagadzirira here kutanga kushevedza inshuwarhu yehutano inshumo? Kana, kana inishuwarenzi yauri kutsvaga inopiwa nemushandirwi wako, iwe wakagadzirira kuona kana iwe uchida kusarudzwa nemushandi wako here? Paunenge wakagadzirira kuita kudanwa kune avo vakasarudzwa vehutano inshuwarisi, vakagadzirira mhinduro yemibvunzo yaunoda mhinduro. Kukumbira izvo zvisingabatanidzi muhutano hwavo hwehutano inshuwo uye kusarudzwa kwavo kwehutano vanachiremba ndevamwe nzvimbo dzekuwana mhinduro dzekutaura pavanotaura nekambani yehutano inshuwarisi.
4. Kunzwisisa Utano Wenyu Hwokubhadhara:
Iye zvino kuti une hurongwa hwako hwehutano inshuwarisi, gadzirira uye utore nguva yeku kunzwisisa hutano hwehutano inshumo. Izvo nguva dzose zvakanakisisa kudzokorora hurongwa hwehutano hwehutano nemushandisi wako wehutano inshumo yemumiririri kana mujeri akakubatsira kuwana chirongwa che inshuwarano yehutano.
Imwe pfungwa yakanaka ndeyokungozviverenga iwe pachako. Nyaya yehutano yehutano yemapaketti inoratidzika yakawandisa asi kazhinji ndiyo iyo nzira nokuti yakanyorwa kubatsira mumwe kunzwisisa chirongwa che inshuwarano yehutano zvakakwana. Pano pane zvimwe zvingabatsira zvinogona kubatsira:
Zvinorevei izvo? Kunzwisisa Health Health Insurance Terms
HIPAA Mutemo neMirau
Nhema dzeTunis Top Inishuwarenzi Unofanirwa Kuziva!
5. Kudhinda Health Insurance Claim:
Kazhinji mahofisi echiremba achaisa hutano hwehutano hwehutano kwako uye achangokubhadharai mari yaunofanirwa kubhadhara kubva muhomwe maererano nehutano hwehutano hwako. Dzimwe nguva, kunyange zvakadaro, iwe uchada kuisa hutano hwako hutano iwe pachako. Muenzaniso wenguva yakadai ingave kana iwe wakasarudza kuenda kuna chiremba asiri muhutano hwehutano hwepurogiramu yenyanzvi yavanachiremba waunogona kushandisa.
Kana ukakuwana iwe unofanirwa kuisa hutano hwehutano uhwu iwe pachako, pane dzimwe nguva unoda kubhadhara chikwereti chakakwana chekushanyira kutanga kune chiremba kana nyanzvi. Zvadaro, iwe uchada kuwana fomu kubva kuinishuwarensi yako uye uzadza ruzivo rwakakodzera kuti uise kuda kwako. Kana kuda kwako kuchibvumirwa, kambani yako yehutano inshuwarheni ichakuripira iwe, kana kukutumira iwe chiyero chemhosva iyo yakafukidzwa pasi pehutano hwehutano inshuwarisi.
Kana uchida kutsanangurira zvisarudzo zvekambani ye inshuwarisi nokuti shanduko yehutano yehutano yakarambwa, zvinokosha kuti uve nekodhi rakagadziriswa yezvose zvinogadzirwa. Kuchengeta gwaro rega roga rekurapa richabatsira.