Nheyo dzekusarudza Utano hweInishuwarenzi

Nzira Yokurwisa Kuenzanisa Pakati Pehutano hweBhuku uye Budget Yako

Vakawanda vedu isu nehutano inshuwarheni tinovharwa pasi peboka reboka rakapiwa nevanoshandira kana muvakidzani vedu. Vamwe vanotenga mapurogiramu avo pachavo kana vane COBRA. Vamwe havana chinyorwa zvachose. Zvingave iwe wakaroorana, usina kuroorwa, kuva nevana, vaduku, kana vakuru, unoda humwe hutano hwehutano inshuwarheni kuti uzvidzivirire pane dambudziko rezvemari kana paine chirwere chakakomba kana njodzi.

Pasinei nokuti iwe unosarudza chirongwa cheboka kana chirongwa cheumwe munhu, kune zvisarudzo zvinokosha zvinofanira kuitwa zvisingakanganisisi chete hutano hwehutano hwekurapa asiwo mari yako. Ngatitangei kuburikidza nedzimwe sarudzo idzi kuitira kuti iwe ugone kuita chisarudzo chine ruzivo chinokodzera zvose zvaunoda uye bhajeti yako.

Marudzi eUnited Insurance Plans

Iko kune zvakawanda zvisinganzwisisiki kumasora kuburikidza nekutarisa zvirongwa zvehutano hwehutano, uye ivo vose vanouya nemafungiro avo pachavo okufunga. Kunyange zvazvo zvichikosha kuziva mutsauko pakati peHMO, PPOs, POS Plans , uye zvirongwa zvekudzikinura , somuenzaniso, zvinobatsira zvikuru kutanga nehuwandu hwehutano hwehutano hwemapurisa. Mhando dzakawanda dzinogona kuiswa mune imwe yezvikamu zvitatu:

1. Kuzvimirira kweMari-ye-Nzvimbo dzeMabasa
2. Health Maintenance Organizations (HMOs)
3. Zvipo Zvokupa Zvokuda (PPOs)

Ngatitorei zvakadzama mukati mazvikamu zvitatu, pamwe chete nezvakakosha uye zvisingabatsiri.

1. Kubhadhara kana Mari-ye-Purogiramu Yebasa

Zvirongwa zvemagariro izvo zvinokubvumira kuenda kuna chero chiremba kana chiremba iwe unosarudza kunze kwekudiwa kwekutumirwa kunonzi kusununguka, kubhadharwa-kwebasa, kana purogiramu yebasa (POS) zvirongwa. Nezvirongwa izvi, kambani yeInishuwarensi ichabhadhara chikamu chakaiswa chezvikwereti zvako uye iwe uripa zororo.

Zvirongwa izvi zvinoita kuti zvive nyore kuchinja sezvo vasingagadziri zviremera kune vapeji vamunogona kushandisa uye kazhinji havakwanisi kuti musarudze chiremba wepamusoro (PCP), asi vari kuoma zvakaoma kuwana uye kazhinji vanouya nemutengo wakakwirira tag.

Makomborero eIndemnity Plans

Chinhu chikuru chekuita chirongwa chekubhadhara ndechokuti iwe unogona kusarudza kuwana kurapwa kwako kupi zvako kwaunoda uye kubva kuna ani zvake waunoda usina kutora kana kutendera.

Kukanganiswa kweZvipo zveNzvimbo

Kuti uchengetedze mari, makambani einishuwarenzi anotora mari yakawanda kune iwe kuburikidza nezvikwereti zvepamusoro uye zvigadziriswa, zvichiita zvirongwa zvekubhadhara zvinodhura kwauri kupfuura HMOs uye PPOs. Kuwedzerwa, iwe unogona kutarisirwa kubhadharwa nehutano hwako mberi uye wozoendesa kudare yako inshuwarisi yekubhadhara, iyo inosungira mari yako uye inokuisa pangozi yekusaiwana.

2. Maintenance Organisations Organizations (HMOs)

HMO kana Health Health Maintenance Organization isangano revashandi vezvehutano uye zvipatara zvinotengesa purogiramu yakarongeka yehutano hwehutano hwemutengo wakatarwa. Mukati yeHMO inshuwarano hurongwa, murwere mumwe nomumwe ane chiremba wekunakidza, uyo anowanzoidzwa semurindi wegedhi nokuti mazano anopiwa nenyanzvi haafaniri kuvharwa neurongwa kunze kwekuti muchengeti wegedhi (PCP) anoratidza kuti nyanzvi inokosha uye inopinda -network kureva.

Saizvozvowo kutarisira kwako kwose kunorongedzwa kuburikidza nePPP yako.

Kubatsirwa kweHMOs

Chinhu chikuru chekubatsira kweHMO ndeyekuti mari yako yekutengesa yakawanda yakaderera uye inofanirwa kutarisirwa. Imwe nzira inobatsira ndeyokuti mafomu ekutaura haawanzodiwa.

Kukanganiswa kweHMOs

Nheyo dzakapiwa nevashandi vezvehutano kunze kwenheyo kazhinji hazvifukidzwi kunze kwekuda kwechokwadi chenjodzi. Chimwe chisingabatsiri kune vamwe ndechokuti nheyo dzakapiwa neyanyanzvi dzinoda kutumirwa kubva kuchiremba wako wekutanga, izvo zvingada kudanwa kwechiremba. Pasi peurongwa hweHMO, mamwe maitiro anogona kuve akarembera kunze kwehutano hwehutano hwehutano. Kunyange zvazvo njodzi iyi iripo pasi peurongwa hwehushuwarisi, mune HMO, iwe haungagamuchiri kurapwa kwaunoda kana nokuti hauna kuvharwa kana kuti PCP yako haiburisi kutumira kwakakodzera.

3. Zvipo Zvokupa Zvokuda (PPOs)

A PPO kana Mutengi Anofanirwa Sangano ane inotarisirwa kutarisirwa kweHMO asi nehuwandu hunoenderana nekugadzikana kwekukwanisa kubuda kunze kwenhare yevashandi vehutano uye zvivako kune chero mutano wehutano unofanirwa nesarudzo yako kana iwe uchifunga kuti zvakakosha. Paunenge uchienda panze mumatare, zvikomborero zvako zvishoma uye iwe unobhadhara zvakawanda kubva muhomwe yako pachako kupfuura iwe waizodaro kana iwe wakagara mukati memutambo, asi iwe uchiri kuwana mamwe maitiro (zvakasiyana neHMO). Kana kuchinja uye kusarudza zvakakosha kwauri, PPO inogona kuva sarudzo yakanaka kana iripo kwauri.

Kubatsirwa kwePPOs

Chinhu chikuru chekushandisa PPO ndeyekuti une mafungiro akawanda kupfuura iwe waunogona mune HMO, asi kwete sepamusoro yezvinotengeswa zvakabatana nechirongwa chekubhadhara.

Kukanganiswa kwePPOs

Chinhu chinonyanya kukanganisa kwePPO ndeyekuti zvinogona kuva zvakaoma kufanotaura zvauri kunze kwemari.

Ndingawanepi IInishuwarenzi yeutano?

Vanhu vazhinji vanowana inshuwarhu yehutano hwavo kuburikidza neurongwa hweboka rinotsigirwa (uye kakawanda rinenge risina kubhadhara mari) nevanoshandira kana kuti wavanoshandira. Asi vashandi vakawanda vaduku havatauri nehutano inshuwarisi. Kana kambani yako iri mumwe wavo, unogona kukwanisa kuisa inshuwarisi yeboka kuburikidza nehutano muhurumende yebasa, sangano rezvesai, kirabhu, kana imwe sangano inopa inshuwarhu yehutano kune nhengo.

Kana iwe usingakwanisi kuwana zvekugoverana kweboka, iwe unogona kutenga mutemo wega, uyo munguva yakapfuura wakabhadhara zvikuru-asingabvumirwi kune vakawanda. Imwe yezvinangwa zvakakosha zveAgordable Care Act (inozivikanwawo seAACA neObamacare) yaiva yekubhadhara mumwe wehutano yemisika yemakisi uye kuita zvirongwa zvega zvega zvingakwanisika. Iwe zvino unogona kutsvaga kuburikidza neAACA's health exchange exchanges (inonziwo maruva) kuburikidza neHealthCare.gov apo iwe unogona kutsvaga nekuenzanisa maitiro uye ona kana iwe unokodzera kune chero rubatsiro. Iwe unokwanisazve kusarudza zvirongwa zvakasiyana-siyana zvinopiwa zvakananga kubva kune inishuwarenzi yekutakura kana mujeri kana mutengesi (anonzi semapato ekutsinhanisa).

Paunosarudza hurongwa hwehutano hwehutano, zvakanakisa kuenzanisa zvose zvaunosarudza zvakanyatsonaka nekuenzanisa zvinobatsira uye mari uye kusarudza kuti zvipi zvinokosha zvakakosha kwauri. Zvinogona kubatsira kushandisa mushandi wehushuwarisi, uyo anofanirwa kunge achiziva mitemo inowanikwa munharaunda yako uye zvinobatsira uye mari yega yega.