Iwe unogonawo kudiwa kubhadhara coinsurance kune dzimwe nzira dzakadai seongororo kana kugara kwechipatara.
Iko kubhadhara ndeye chiyero chemutemo waunotora iwe waunofambisa pane kuwedzera kune chikwereti chekuita. Semuenzaniso, kana iwe une 80/20 coinsurance, kambani yeinishuwarensi ichabhadhara makumi masere kubva muzana emutengo uye iwe uchava nemhosva kune makumi maviri kubva muzana. Iyi coinsurance inoshanda mushure mekunge mawana chero chekugadziriswa kwekugadziriswa nehurumende yenyu yveshuwarisi.
Mitemo yakawanda ine chikamu chikuru chekubhadhara muhomwe. Kana ukangosvika kumuganhu uyu mari yekusungwa haisashandi, kunyange iwe unoda kuramba uchibhadhara makopi ako. Iwewo uchabhadhara mari inobhadharwa nemari iyo inshuwarisi yako yakabvumirana nayo kubhadhara mitemo ine chipatara uye chiremba. Nokuda kwechikonzero ichi, zvakakosha kubhadhara zvikwereti zvose zvechiremba wako uye zvinyorwa zvemishuwarenzi zvaunogamuchira kutsanangura mubhadharo wekubhadhara.
Zvakakosha kuti unzwisise kuti nzira yakawanda inogona kukubhadhara sei.
Somuenzaniso, kana iwe waifanira kuvhiyiwa uye ukagara usiku humwe, iwe unofanirwa kubhadhara chikwereti chako chekubhadhara chipatara, kuripa mari yakabhadharwa kana iwe usati wamboitora, uye wozobhadhara mari yako yehutengo kune imwe sarudzo yebhadharo. Iwe unogona kudana uye utaurire kumumiririri weunishuwarenzi yako kuti udzidze inofungidzirwa mari yekuraira usati waita.
Uyezve unofanirwa kuve nechokwadi chokuti iwe unotora matanho ekuedzwa nekuvhiya akawanda usati waita. Izvi zvinogona kukuchengetedza mari sezvo inshuwarisi inobvumirana kuvhara mari. Iwe unodawo kuva nechokwadi chokuti vose vanachiremba uye anesthesiologist iyo inenge ichishanda pauri iri mukati memukati yako zvakare.
Chimwe chezvibatsiro zverongwa hwehutano hwehutano hwehutano ndechokuti zviri nyore kuti ufanotaura zvaunoda. Kana iwe ukagara mukati memukati wako, unokwanisa kutarisira kuti iwe uchabhadhara mari yakawanda sei sezvo inshuwarano yehutano yakashandisa mari shoma inoshandiswa nevaya vanachiremba. Izvo hazvo hazvidi kuti iwe ubhadhe zvakanyanya mberi pamberi pehomwe rako. Izvi zvingava sarudzo yakanaka kana hurukuro yakawanda inenge ichikuvhundutsa kwauri, uye iwe unenge usingaone chiremba wako nekuda kwayo. Zvisinei, vamwe vanhu vanosarudza chirongwa chakakosha chekuregererwa nokuti kana vachinge vasangana ne deductible saka havachadi kuvhara chero mari yekuwedzera yemari. Kana iwe uchiziva kuti iwe uchagara uchingosangana nekutora kwako, uye iwe unogona kuwana sarudzo inodhura, iwe ungada kuongorora iyo sarudzo panzvimbo yehutano hwehutano inshuwarisi.
Paunosarudza hurongwa, zvinokosha kuti uone kuti inosangana nezvinodiwa zvakagadzirirwa neAne Affordable Care Act .
Izvi zvichakudzivirira kubva pakubhadhara mubhadharo wekusava nekugoverwa kwakakodzera. Zvose zvirongwa zvinopiwa neunoshandira wako zvichafukidzirwa. Kana iwe ukasainira urongwa hwehutano kuburikidza nekukwikwidzana, ichakwanisawo kukodzera. Zvizhinji zvenguva pfupi hurongwa hwehutano hwehutano husingawanikwi nekugoverwa.