Muenzaniso
Iwe une nzvimbo yokudyira inonzi Bordeaux Bistro. Zuva revhiki revhiki, uye Benny, mushandi wako, ari mukicheni achichera miriwo. Nenguva isipi, banga reBenny rinosvetuka uye anonyatsopwanya rutsinho rwake rworuboshwe.
Mucheka wakadzika uye unopa ropa zvikuru. Iwe pakarepo unoendesa Benny kune chimwe chipatara chiri pedyo nepfuti yetetanus uye mitezo yakasiyana-siyana.
Ikozvino zuva rakatevera uye Benny adzokera kubasa. Iwe unonunurwa kuti kukuvara kwake kwakanyanya uye kuti mari yekurapa kwake ($ 700) yakaderera. Iwe uri kugadzirira kupa Bhenny mafomu aanoda kuisa kuda kwevashandi mari yekubhadhara .
Asi, iwe unopokana. Mvumo yekubhadhara yevashandi vako inotarisana nehuwandu hwezviitiko . Iwe wakatotanga kutora zvinhu zviviri zviduku mumakore maviri apfuura. Chirevo chechitatu chinogona kukonzera ruzivo rwako modifier (uye yako premium) kukwira. Unoshamisika kana iwe unogona kuderedza vashandi vako mari yekubhadhara nekubhadhara madhora mazana manomwe semadhora ebhizimisi panzvimbo pokunyora kuda kwaBenny.
Zviitiko zvezviitiko zvinotanga kupa chirango chakakura chekudaidzira kudarika kusimba kwekudaidzira. Icho chirevo, chirevo chinoshandiswa kuverenga ruzivo rwemugadziri wako chinogadzirisa kuwedzera kuhomwe yekusanganiswa kwemadiki mashoma kupfuura kune rimwe chete guru.
Asi, ruzivo rwako ruchichinja harifaniri kuva iwe chete unonetseka pamusoro pemari yekunze kwemahomwe yevashandi vanokuvadzwa. Heano mamwe mimwe matambudziko aunofanira kufunga.
- Zvirwere-zvinongotaura chete zvingave zvichizviisa pasi paZviitiko Rokugadzirisa.
- Mutemo wehurumende unogona kukurambidza kubhadhara mari muhomwe.
- Iwe unogona kubhadhara mari yakakwirira yekurapa kupfuura wako insurer.
- Kutaura kungave kusingabhadharwi pasi pemutemo wenyu wekubhadhara vashandi.
- Kukuvara kwechidiki kunogona kuoma.
- Iwe unenge uchitaura zvido pasi pemutemo wehurumende kana vakakuvara vashandi vari Medicare-vakakodzera.
- Zvaunoita kunze kwemari zvinodhura zvinopfuura kupfuura chero mari yaunowana mu premium.
Kuderedza kwezvokurapa-Zvimwe chete
Mumuenzaniso wakataurwa pamusoro apa, kukuvara kwaBenny kwave kwakabhadhara mari yekurapa chete. Mune dzimwe nyika dzakawanda, zvinodhaka-kurapa chete zvinotungamirirwa neZviitiko Rating Adjustment (ERA). Kana ERA inoshanda munharaunda yako, 30% chete yezvokurapa-zvinongodaro zvinoshandiswa muhuwandu hwehupenyu hwako hunochinja. Mumuenzaniso wekare, Benny $ 700 mari yekurapa ingaderedzwa ne 70%. Nokudaro, $ 210 chete yaizoshandiswa kune zvaunoziva kuchinja.
Mitemo yehurumende inogona kudzivisa kunze kwe-Pocket Payments
Vamwe vanoti vanobvumira vashandi kubhadhara mari shomanana yezvokurapa semari yekunze-kunze kwekubhadhara pane kuisa vashandi kubhadhara mari. Dzimwe hurumende dzinorambidza tsika iyi. Kunyange zvakadaro, mamwe maitiro anobvumira kunze kwepahomwe mari yekubhadhara mari chete kana mushandi ari munhu anozvidzivirira . Usabhadhara chero upi zvake hwekurapa hunosangana nekukuvadza iwe pachako kunze kwekuti iwe unonzwisisa zvakajeka kuti mitemo inoshanda sei munharaunda yako.
Hurumende inorambidzwa kubhadhara mari yezvemishonga kunze kwehomwe haifaniri kushanda kune rubatsiro rwekutanga. Mari inoshandiswa kuitira rubatsiro rwekutanga (mazaya, mabhanhire, kubviswa kwezvipfeko nezvimwewo) inobhadharwa nevashandi. Chii chinoreva "rubatsiro rwekutanga" chinopararira kubva kune imwe nyika kuenda kune imwe nyika. Kana iwe usingazivi kuti izwi iri rinorevei munharaunda yako, taura nevhizimisi rekubhadharira vashandi vako .
Mitero Yakakwirira
Vazhinji vehurumende vanotonga kushandiswa kwemashandiro emari ekubhadhara vashandi, iyo inogadzirisa kuti vatengi vanobhadhara kurapwa. Mukuwedzera, vamwe vanoti vanobvumira vashandi vanobhadhara mari yevashandi kuti vataurirane nevatengi kuti vagadzirise zvirongwa zvekuchengetedza.
Nokuda kwezvirongwa izvi, wako inshurensi inogona kubhadhara zvakanyanya kurapwa kupfuura iwe (mushandi). Vashandi vanowanzopomerwa "maitiro nemaitiro" evanhu, kwete mari inoderedzwa inopihwa kune vatsigiri.
Kusakanganiswa Kunokonzera
Zvimwe kukuvadzwa kwakaitwa nevashandi hazvibhadharwi pasi pemitemo yekubhadhara vashandi. Mienzaniso ndiyo chirwere chepfungwa (pasina kuora kwepanyama), kukuvadzwa kunoitwa nevashandi vanodhakwa, uye kukuvara kunotsigirwa nevashandi pavanenge vachienda kunoshanda.
Kukuvadza Kwishoma Kunogona Kuva Kukosha
Kukuvadzwa kwediki kunogona kukuvadza kupfuura nguva. Somuenzaniso, Benny's cut finger inogona kutapukirwa. Kana utachiona hukaoma Benny angada kudharapwa muchengeti uye mamwe mushonga unodhura. Vatsigiri vanoziva nzira yekudzivirira zvikwereti zviduku kubva pazvinyorwa zvichienda kune zvikuru. Vashandi vakawanda havana ruzivo urwu.
Medicare Inodiwa
Medicare haiwanzovhara mari yezvechiremba inokonzerwa nekukuvadzwa kwebasa. Mari yakadaro inofanira kuve yakafukidzwa nevashandi vanobhadhara inshuwarisi Kuchengetedza kuti Medicare haina kubhadhara mari yekurapa inowanikwa nevana veMederal beneficiaries vakakuvara, hurumende yehurumende inoda vatsigiri vekuchengetedza mabhii kuisa mapepa nguva nenguva neCenters for Medicare & Medicaid Services. Izvo zvinosungirwa zvinoshandiswa kune vashandi vanobhadhara vakuvadzwa kwevashandi vezvokurapa mari muhomwe.
Zvinodhura Zvingaita Kuti Kubudirire Kuchengetwa pazvikwereti
Kana iwe uchibhadhara mari yakakuvara yevashandi mune zvehomwe panzvimbo yehomwe panzvimbo yekunyora kuda, iwe uchachengetedza mari yevashandi mari yekubhadhara here? Muzviitiko zvakawanda, mhinduro yacho kwete. Kana iwe ukaisa chiremba-kudai chete nemubhizimisi wako, kurasikirwa kuchazopedzisira kwasanganiswa mukuverenga kwechiitiko chako chekuchinja.
Kunyangwe kana kuchinja kwako kuchikwira, kuwedzerwa kwekutanga kwekupedzisira izvo zvingangodaro zvingave zvisingasviki kuwanda kwekutsvaga. Izvozvo zvinoreva kuti $ 700 rezvokurapa-chete zvinotadza kuita kuti premium yako iwedzere ne $ 700. Izvi zvinonyanya kuitika kana Chiitiko Chekugadzirisa Kushanda chinoshanda munharaunda yako.