Mutemo Wemazuva Ano Hwemutano Inishuwarenzi Mazano anowanzonziwo "mari yekubhadhara" mazano. Iyi ndiyo tsika yehushuwarisi iyo ndiyo iyo makambani ehutano ehutano hwehutano anopiwa kune inshuwarisi vatengi vasati vasvika pakuwanda kwePPO (Preferred Provider Organisations) uye HMO (Health Maintenance Organizations).
Zvimwe Zvisarudzo
Nechirongwa chekodzero yehutano yehutano inshuwarheni, iwe hauzorevi kusarudzwa kwevashandi vezvehutano avo vari mune imwe sarudzo yavanoda kupa mhinduro sezvaungave iwe nePPO kana chirongwa cheHMO.
Nezvizhinji zvezvirongwa izvi, hapana hutungamiri hunodiwa uye vazhinji vanofarira rusununguko rwekukwanisa kusarudza nzvimbo ipi neipi yehutano kana chiremba chavanoda.
Iyo Inoshanda Sei
Inoshanda zvakadai se auto auto inshumo mukuti iwe uchabhadhara hutano hwehutano insuc deductible pamberi pekambani ye inshuwarisi inotora zvakasara zvebhadha rako. Ichi chikwereti chinokonzerwa chichasiyana maererano nehuwandu hwehutano hwehutano inshumo yaunosarudza. Nechirongwa chekodzero yehutano inshuwarano yehutano, iwe uchakweretwa zvichienderana neUCRs kana kuti inowanzo, mitambo yemitambo uye inonzwisisika.
Iyi mitero yakatarwa inokwana mari yakatarwa iyo kambani yeinishuwarenzi ichabhadharira chirwere chaicho, chirwere kana nzira yekurapa. Iwe unoda kutarisa nekuona kana chirongwa chekurapa kana mari inosungirirwa nemhando yako yehutano inshuwarisi usati waita maitiro acho. Mune zvimwe zviitiko, idzi nzira dzinofanirwa kunge dzichigadziriswa nekambani yako ye inshuwarisi.
Kana usina kusava nechokwadi, ipa kambani yako ye inshuwarisi foni uye taura nemumiririri.
Iwe uchazopa mutero uyu kune kambani yako ye inshuwarisi, kana mune dzimwe nguva mutapi wehutano achapa mubhadharo kune kambani yako yveshuwarenzi sechiremerera. Kambani yeInishuwarensi ichazobhadhara chikamu chayo yebhadharo rezvechiremba zvishoma kudarika kwako kunobva pachiyero cheUCRs chakafukidzwa pasi pehutano hwehutano hwehutano.
Mhando dzeIndemnity Health Insurance Plans
Mhando dzakasiyana dzedare dzehutano hwehutano hwehutano dzinowanikwa kwamuri dzinosanganisira chipatara / chirwere chekushandira inshurenzi, chikuru chekuchengetedzwa kwehutano inshuwarheni uye kuburitswa kwakakwana kunosanganiswa kwechipatara uye hukuru hwehutano hwehutano. Kunyanya Indemnity Health Health Plans ichapa ruzivo rwekugara kwechipatara, kurapwa kwepanyama, mishonga yemishonga, kushanyira kwachiremba nekuchengetedzwa kwekudzivirira.
Kwokutenga
Kana iwe uri munhu anoda iwe rusununguko rwekukwanisa kusarudza mutarisiri wako wehutano uye usingarevi kune avo vari mukati mekusarudza sangano rekupa, ipapo Indemnity Health Insurance Plan ingave yakakodzera iwe. Makambani mazhinji ehutano hwehutano inshuwarheni anopa Traditional Indemnity Health Insurance Plans kusanganisira zvinotevera:
Pros & Cons
Chimwe chezvakanakisisa zveHindu Indemnity Health Insurance Plan ndiyo rusununguko rwaunofanira kusarudza nzvimbo yekuchengetwa yehutano uye kupa pasina zvibvumirano. Chimwe chezvinhu zvakakanganisika kune izvi ndezvokuti iwe unofanirwa kubhadhara zvakawanda nezvehutano hwehutano inshuwarheni kunze kwekuti iwe ukasarudza PPO (Urongwa hwePreferred Provider Organisation) kana HMO (Health Maintenance Organisation Plan).
Ikoko kunogonawo kunge kune mamwe mapepa anobatanidzwa mukunyora zvirevo.
Zvechokwadi, hakuna munhu anogona kukuudza iwe rudzi rwepi urongwa hwakakunakira iwe. Icho chisarudzo choga chaunofanira kuzviitira iwe uye nemhuri yako maererano nehutano hwehutano hwehutano hwehutano uye mamiriro emari. Iwe unogona kugara pasi nemudzidzisi wako wemhuri inshuwarisi uye kurukura nezvakabatsiro zvemarudzi ose ehutano inshuwarano yehutano kuitira kuti iwe ugone kuita sarudzo inokupa iwe nemhuri yako zvakakosha zvikuru pane hutano hwehutano inshuwarheni.