Iwe unogona kubhadhara zvinhu paunenge uchienda panzvimbo yekuzvidya mwoyo pamusoro pemisimamiro yeinishuwarenzi uye kubhadhara-co-nzira munzira. Zvisinei izvi zvinokonzera kufunga. Zvakakosha kuti munhu wose ave nehutano hwehutano.
Kurapa Kwokurapa Kunogona Kukushatisa Kana Usina Inishuwarenzi
Chikonzero chacho ndechokuti kurapwa kwezvechiremba kunodhura. Kana iwe uine chirwere chekurapa pasina njandisi, zviri nyore kuzvitsvaga nechikwereti chinokonzera chikwereti chechiremba, uye zvinoita sokuti hapana nzira yekubuda nayo. Imwe njodzi pamatsetse emvura inogona kukubhadhara mazana emadhora muzvikwereti zvezvokurapa, uye inogona kukurumidza kukura kana uchida kuvhiyiwa kana chero nguva yekugadzirisa. Kazhinji, iyo nguva iyo iwe haungashandisi, uye izvi zvinoreva kuti iwe ucharasikirwa nemari nenzira iyo, zvakare. Emergency surgeries yakadai seappendectomy inogona kudhura zvikuru zvakare. Kunyangwe neinishuwarenzi unogona kuwana zvakaoma kubhadhara mari yekuchengetwa kwehutano mune zviitiko izvi.
Zvakaoma chaizvo kubhadhara mari yehutano pasina utano hwehutano , kunyanya kana iwe uchitarirwa muchipatara kunyange husiku humwe chete.
Utano Inishuwarenzi Inodikanwa neNotengeswa Care Care Act
Izvo zvitsva zvinoshandiswa pasi peChinotengeswa Care Act zvinobata vanhu vane makore makumi maviri . Kana iwe usina hutano inshuwarheni, iwe uchasangana nemari .
Kune hutano hwehutano hwaunogona kushandisa kuti uende kuinishuwarenzi yehutano kana iwe unogona kutarisa kune dzimwe sarudzo. Tora nguva yekuongorora zvakanakisisa zvese zvaunosarudza uye sarudza mutemo uchakuchengetedza mari uye kukupa kudzivirirwa kwaunoda. Iva nechokwadi chekusiya zvinhu zvisinganzwisisiki kuti zvive zvechokwadi. Utano hwehutano hunoita sehutano inshuwarhu yehutano, asi chaizvoizvo hausi. Tora nguva yekutsvakurudza zvakanyatsonaka kana iwe uchida kusarudza imwe panzvimbo ye inshuwarisi.
Kudzivirira Kuchengetedza uye Kupindira Kwepakutanga Zvichida Kana Une Inishuwarenzi
Zvinhu zvishoma zvingaita zvinhu zvakakura, zvakare. Kana iwe usina inshuwarisi iwe usapinda mukati uye unotora kurapwa nokuda kwezvinhu zviduku, izvo zvinogona kuwedzera kuzvinhu zvikuru zvakakurumidza. Mishonga yekudzivirira uye kurapwa nokukurumidza ndeimwe yenzira dzakanakisisa dzokuti usagara kwenguva refu muchipatara. Kana iwe uine inshuwarisi, iwe haungashushi pamusoro peizvi zvakawanda. Kuwedzerwa kana iwe uine chirwere chakakomba, iwe unogona kuva nenguva yakaoma yekuwana inshuwarano yehutano mushure mekunge musina.
Ambetter Kubva Kuchengetedzwa Kwakachengetedzwa
Utano Inishuwarenzi Ndekudiwa
Inishuwarenzi yehutano haisi yepamusoro; iyo inokosha. Vanhu vazhinji mumakumi maviri avo vanofunga kuti vakachengeteka uye vane utano uye vanosarudza kuenda pasina iyo.
Usaita chikanganiso ichi tanga kutsvaga inshuwarheni yakanaka yakadhura ikozvino. Pane zvinhu zvakawanda zvaunofanira kuita pasina usati wasarudza kuenda pasina inshuwarisi. Izvi zvinosanganisira kudya kunze kumaresitorendi, uye terevhizheni terevhizheni. Iwe unofanirwa kuenda kunze kwehutano hwehutano usati warega utano hwako hwehutano. Tora nguva yekuwana mari yakawedzerwa mubhajheji yako kuti uvhare mari yako yekuchengeta utano.
Zvifukidze Nemusoro WeDeductible Insurance Kana Usingakwanise Kubhadhara Inishuwarenzi
Pachinhu chiduku iwe unofanirwa kuva neurongwa hwekuregererwa kwehupfumi, nekugadzira nhoroondo yehutano yekuchengetedza nayo. Izvo zvirongwa izvi zvakaderera mumari uye dzimwe zvirongwa zve inshuwarisi. Iwe uchange uine mutoro wemari yekurapa kwako kusvikira iwe uchinge wapedza ductible, asi ipapo chirongwa che inshuwarisi chichawana mamwe ose emitemo. Zviri nyore kuwana nzira yekubhadhara $ 5,000.00 muzvikwereti zvezvokurapa asi zvinopesana ne $ 50,000.00.
Iwe unogona kazhinji kugadzira chirongwa chokubhadhara che $ 5,000. Izvi zvinoreva kuti iwe haungataridzi kuparara nekuda kwezvikwereti zvemishonga.