Unogona kuguma uchibhadhara mari yakawanda kwemakore akawanda. Zvakakosha kuronga nzira yekubhadhara mari yako yekuchengetedza utano kuburikidza neshuwarisi nekunyatsogadzirira. Uyezve, iwe unogona kutarisana nemitengo pasi peNotengeswa Care Care Act kana ukasarudza kusava nehutano inshuwarisi.
Health Insurance Options
Kana uri kurwisana kuwana hutano hwehutano iwe unogona kutenga mwedzi woga woga, tarisa kuwana chirongwa chakakosha chekuregererwa . Urongwa urwu huchafukidza zviitiko zvinotyisa izvo zvingaita kuti iwe uregere. Zvikwereti zvinokonzerwa ne $ 1 000 kusvika kune $ 5,000 pamunhu wese. Mimwe mitemo inogona kuenda kumusoro. Zvisinei, kana iwe ukazosvika kune iyo yakabviswa, iyo inotora ichapinza mukati uye inobata zvose. Izvo zviri nyore nyore kubhadhara $ 1 000 ipapo zvinenge zviri kubhadhara $ 30,000 kana $ 40,000 chirwere. Kana uine nguva yakawanda yekugara muchipatara, inogona kuwedzera kunyange zvakakurumidza. Imari yepayimusi yakadai yehushuwarenzi inonyanya kukosha.
Kazhinji kacho chisarudzo chisingakoshi ndeye chirongwa chinopiwa neunoshandira. Dzimwe nguva iwe unogona kuwana imwe nzira yakakosha kuburikidza nekutsvaga hutano hwehutano iwe pachako . Izvi zvinogona kushanda zvakanyanya kune vanovimba newe. Hazvikuvadzi kutenga zvakapoteredza kuti uwane inonyanya kukosha yehutano inshuwarisi. Sezvaunoita izvi iva nechokwadi chekuti inosangana nezvinodiwa zvakagadzirwa neAne Affordable Care Act .
Zvakadini Nekushanyira Chiremba Nezvimwe Zvimwe Zvokurapa?
Kunyangwe nehutano inshuwarisi, unogona kuwana zvakaoma kuvhara mari yako kunze kwehomwe ye inshuwarisi yako. Somuenzaniso kana iwe uchida MRI yakaita iwe unofanirwa kubhadhara mari yako yakabviswa uye zvino mari yekubhadhara mari, iyo inoreva kuti kuedza kunogona kuita mazana emadhora emadhora kana kupfuura. Zvinogona kugumbura kana iwe uchibhadhara inshuwarisi mwedzi mumwe nomumwe, asi iwe haukwanise kuenda kuna chiremba. Sezvo dzakawanda zvekuedzwa uye nzira dzinoshandiswa kubatsira kubata chirwere chisati chava chakakomba, kusarudza kusarudza kubva pane zvidzidzo kunogona kuva nengozi munguva refu. Zvinogona kukuvadza kugadzirisa zvikwereti zvezvechiremba kana iwe usiri kuita zvigaro. Kune zvimwe zvinhu zvaunogona kuita kuderedza mari yaunobhadhara.
Shop Around
Iwe unogona kutengesa zvakapoteredza zvipatara, vanachiremba uye makiriniki anotenga mari shoma. Zvinotora nguva pane foni, asi musiyano mumatengo pakati pekunyanya kunetseka munharaunda yako kunogona kushamisika iwe. Uyezve, unogona kuwana mikana yakaderera pane zvipatara zvakasiyana uye zvivako zvekuedza. Kana uine inshuwarisi, iwe unogona kuonana navo kuti uone kuti unogona kuwana mazana ekuderera, kunyange iwe uri mumutambo unogona kukwanisa kuchengeta mari nekusarudza chimwe chipatara pane imwe.
Vanhu vazhinji havazivi kuti iwe unogona kuva muchengeti wepamusoro pazvinouya kumishonga yezvokurapa uye kungoenda apo vanachiremba vaudza kwavari, asi iwe unogona kutengesa zvakapoteredza kuti zviitwe zvakanaka.
Gadzira Purogiramu Yokubhadhara
Zvipatara zvakawanda uye makiriniki vanoda kugadzirira chirongwa chokubhadhara kukubvumira kuti uwane miedzo kana uchida iyo uye iwe uchazobhadhara mwedzi wega roga kuti uvhare iyo yakabviswa. Izvi zvinogona kuva mamiriro ezvinhu akaoma, nokuti unogona kuwana kuti unoda kugadzirisa zvirongwa zvakawanda zvekubhadhara uye mari inogona kuwedzera nokukurumidza. Kunyange zvazvo chirongwa chokubhadhara chinokupa mhinduro inokurumidza, shanda kuchengetedza mari yaunoda kuvhara yako yakabviswa gore rimwe nerimwe mune imwe nguva yehupfumi .
Nguva dzose Tarisa Ups
Iwe unogona kuchengetedza pamari yako yekurapa nekuita nguva dzose chekuongorora uye kutarisira zvishoma zvirwere vasati vakura.
Kana iwe ukatanga kunzwa uchinetseka, unofanira kutora nguva yekurapa kuitira kuti iwe usapedzisira uri muchipatara neine pneumonia kana kuti unoda kuvhiyiwa nekuda kwekukuvara kwechidiki kana iwe wakanyatsotarisirwa. Nguva dzose kutarisa kunobatsira iwe kuti urambe uine hutano uye uchengetedze kubva pakukwira zvikwereti zvekurapa zvikuru mune ramangwana. Iwe unogonawo kushanda pakugara uine hutano kuburikidza nokurovedza muviri uye kudya kwakanaka. Aya matanho mashomanana achabhadhara mumakore apfuura zvakare.
Tarisa paIzvipatara Zvisingabatsiri
Kana iwe wakanyatsoputsika, uye iwe unoda kurapwa, unofanira kuzviwana. Maguta akawanda anopa makiriniki asingabhadhari kana makiriniki anopa slide mari yakawanda kubva pane zvaunowana. Iwe unogonawo kugadzira hurongwa hwekubhadhara pamwe nemahofisi akawanda echiremba uye zvipatara. Kunyange zvazvo inshuwarisi yehutano inofanira kuderedza mari yaunobhadhara, unofanira kuwana rubatsiro. Iwe uchabhadhara zvishomanana kana iwe uchienda kunechiremba kunze kwekufambisa kwekukurumidza kana chipatara. Kana uine chirwere chisingaperi, iwe unogona kungozvigadzirira kubatsirwa nemari yako kuburikidza neMedicaid. Taura nevashandi vezvehupfumi kuburikidza nechipatara kana munharaunda yako kuti uone kana iwe unogona kuwana mamwe rubatsiro.