Mazano Okuita Nechikwereti Chiremba

by LaToya Irby

Zvaunofanira kuita pamusoro pemaripa yezvechiremba isingabhadharwi

Zvikwereti zvezvechiremba ndizvo zvakakonzera 62 muzana yekubhadhara mari muna 2007, maererano nekuongorora kwakaitwa neAmerican Journal of Medicine. Kunyangwe zvinotyisa, 80 muzana yeavo vakapa chikwereti chechiremba vanopedzisira vava nehutano inshuwarisi uye chikwereti chavo chakanga chiri pasi ($ 18,000) vachienzaniswa nevaya vakaisa asi vasina hutano hwehutano ($ 27,000). Hazvina maturo kutaura, chikwereti chezvechiremba chinhu chakakomba muUnited States.

Zvikwereti zvezvechiremba zvakakomba uye zvinogona kukuremedza mari yako. Tariro, unokwanisa kubata nechikwereti chako chezvechiremba usati waita kuti iwe usvike .

01 Usarega Zvikwereti

Kupisa musoro wako mujecha hakuzoiti kuti zvikwereti zviende. Chaizvoizvo, zvinogona kuita kuti mamiriro acho ezvinhu awedzere. Vanachiremba nevamwe vatapi vezvokurapa vanozongounganidza paakaunti yako kwemwedzi mishomanana vasati vatumira iyo kamba kune sangano rekuunganidza. Panguva iyoyo, mushonga wezvechiremba unoenderera mberi kune chikwereti chekwereti uye unoshungurudza mikana yako yeramangwana yekukwereta mari , semu imba. Iwe unogonawo kupiwa mhosva nokuda kwechikwereti, izvo zvinogona kuguma mukutonga, kubhadhara mari yebhangi , kana kubhadhara mubhadharo .

02 Ivai Nechokwadi Kuti Une Bhiri, Kwete Tsanangudzo Yezvipo

Verenga kuburikidza netsamba kuti uone kuti iwe une chikamu chakakodzera. Dzimwe nguva kambani yveshuwarhu yehutano inotumira tsanangudzo yekubatsira kutsanangura chave chabhadharwa iwe. IEOB inogona kukupa misoro kusvika kumitemo yezvechiremba iri munzira yavo. Kana iyo EOB inoratidza kambani yeinishuwarenzi yakabhadhara chikamu chekudaidzira, unogona kutarisira hofisi yechiremba kutumira bhizimisi nokukurumidza.

03 Taurai Chinyorwa Chisingabvumirwi NeInishuwarenzi

Kubhadhara kwechiremba kwakaoma uye zvikanganiso zvinogona kuitika. Iva nechokwadi chokuti hofisi yako yechiremba inokweretesa kambani yeinishuwarenzi yebasa rakanaka uye inotevera nekambani ye inshuwarisi kuti uone kuti nei bhiri iri risina kubhadharwa. Kuita basa mukudzivisa zvikanganiso zvinogona kukuchengetedza mazana emadhora.

04 Negotiate

Iwe unogona kushamiswa kuziva kuti vashandi vezvokurapa vane zvivako zvekutengesa zvinosiyana zvakasiyana, zvinenge zvisinganzwisisiki. Kana uri kutengesa madhora $ 1,200 pamabhandeji mashomanana, unogona kukakavara navo pamusoro payo. Mushonga wezvokurapa unoti iwe haunzwisisi zvauri kuripirwa uye vanozvishandisa zvinopesana newe. Kana inshuwarisi isingabhadhari nokuda kwayo, iwe unogona kunge usingadi. Vadana navo uye vaudze kuti iwe unogona kusakwanisa kuripa zvachose kana vasingakwanisi kushanda newe. Iwe haufaniri kukakavadzana nachiremba wako pamusoro pazvo, iwe uchange uchitaura nebhadhiro yekubhadhara.

Kana iwe usina hutano hwakakwana kana kunzwa uchinetseka kutaurirana, tsvaga paIndaneti kumakambani achaita hurukuro iwe.

05 Pay Pay Off

JGI / Jamie Grill

Iwe unogona kukwanisa kubhadhara zvikwereti zvemishonga, kunyanya zviduku, muchikwereti chemari kana iwe une mari munhoroondo yekuchengetedza kana mari yekukurumidzira . Ingonyorera cheki uye uiendese kune kero yekubhadhara yakanyorwa pamutemo wako. Ita kuti iwe unyore nhamba yekambani pane cheki kuitira kuti urege kuramba uchibhadhara. Kana iwe usina kuripa chikwereti chakakwana, dana hofisi yechiremba kuti uise zvirongwa zvekubhadhara chikwereti chikatumirwa kusangano rekuunganidza.

06 Ita Mutero Arrangements

Taura nehofisi yako chiremba kana iwe usingari kubhadhara bhadha yako yakakwana pakarepo kana iwe uchida kurongedza nekambani ye inshuwarisi, saka dhipatimendi rekubhadhara rinoziva kuti hausi kungozvidza mutero. Kana iwe uri mutoro wekodzero, bvunza chirongwa chokubhadhara. Iva nechokwadi chekuongorora bhajeti yako kuti uone zvaunokwanisa. Sezvimwe kune imwe yemari, ita mari yako nenguva imwe neimwe mwedzi. Kana zvisina kudaro, nhoroondo yako inogona kutumirwa kusangano rekusunganidza pasinei nemari yako yekare.

07 Chengetedza Mishonga Yezvokurapa Kwevana Vako - Iwe unotarisirwa

DGLimages / iStock

Usakanganwa zvikwereti zvinobva kuchiremba wemwana wako kana mukana wekukurumidzira kushanyira. Pakati pemafomu wawakasayina waiva chibvumirano chekubhadhara chero chezvimwe zvemari yako yehutano yevana yaisati yafukidzwa nehutano hwehutano. Kana iwe usingabhadhari chikwereti, zvinokuvadza chikwereti chako zvakafanana kana chaiva iwe pachako iwe mushonga wechipatara.

08 Tsvaga Kana Wakakwanira kuMedicaid

Medicaid inishuwarenzi yehutano kune vagari vepfuma shoma vasingakwanisi kutenga mari yavo yekuchengeta mari. Kufanirwa kwekodzero kunowirirana nehurumende, saka unofanira kutumira mahofisi ehurumende yako ye Medicaid kuti uone kana iwe unokodzera. (Mwana wako anogona kunge akakodzera kuMedicaid kunyange iwe hausi.) Kana iwe uchikodzera, Medicaid inogona kushandiswa kubhadhara mari yezvemari yawakatotanga, asi mune imwe nguva, saka shandisa nokukurumidza zvichibvira mushure mekugamuchira chiremba wezvokurapa.

09 Isa Bhidha Bhidha pane Kadhi Kadhi

Haisi iyo nzira yakakodzera, asi apo zvose zvinokundikana, iwe unogona kuisa mari yezvechipatara pane yako kadhi rechikwereti kuti iwe urege kutumirwa kusangano rekuunganidza. Sarudza iwe kadhi rako rechikwereti , kunyange zvakadaro, zvichienderana nehuwandu hwekufarira , chikwereti chiripo , nezvimwe zvinhu. Usaisa mapepa emakadhi ekukweretesa kana zvikwereti zvinopiwa kuburikidza nehofisi yechiremba wako pasina kuenzanisa nezvimwe zvikwereti zvekwereti.

10 Faira yeBhangeruptcy

Gary Houlder / Creative RM / Getty

Mukusina kweimwe imwe sarudzo, iwe unogona kuwana rubatsiro kuburikidza nedare rekubhadhara. Chikwereti chechiremba chinogona kusunungurwa zvachose kana iwe uchikwanisa kuvhara Chitsauko 7 kana iwe unogona kuripa kwemakore matatu kusvika mashanu kuburikidza neChitsauko 13 chekubhadhara. Kukanganisika kunogona kuve sarudzo yakashata, asi zviri nani pane kutamburira kuwana zvigaro zvese kana uchibhadhara chikwereti chezvechiremba chisingambokwanisi kubhadharwa.

11 Bata Nekurapa Chikwereti Chikwereti

Kana bhidhiyo iri kare ine sangano rinounganidza, unogona kutevera akawanda ematanho akafanana. Iwe unogonawo kutumira kugumira uye kubvisa tsamba kune sangano rekuunganidza kana iwe uchida kuti vasiye kuremekedza iwe pamusoro pechikwereti. Ngwarira kuti sangano rekuunganidza rinove nekodzero yekupa chikwereti pamushumo wekwereti yako, kukuteerera iwe, uye kugadzirisa mubhadharo wako (pamwe nemvumo yedare).