3 inokosha inishuwarenzi mibvunzo yekubvunza panguva yekuzvitakura

Kambani

Ngatizvitarisei. Kuve nemwana kunouya nemutengo unorema. Izvi zvinoreva, kugadzirira nhumbu kunoda zvinopfuura kungova rwendo rwekunoona chiremba wako. Kuti uwedzere mabhenefiti ako ehutano uye kudzikisa mashandisiro ako, iwe zvakare unofanirwa kutarisa kune yako inishuwarenzi yehutano , kunyanya nhumbu inishuwarenzi kufukidza.

Kana zvichibvira, ronga mberi. Izvi zvinokutendera iwe nguva yekutsvagisa ako ekuvhara sarudzo uye sarudza chirongwa chinokwana zvaunoda. Izvo zvakati, dzimwe nguva nhumbu haiitike panguva yakakwana. Nhau dzakanaka ndedzekuti iwe une sarudzo dzekuchengetwa kwepamuviri, kunyangwe iwe usina inshuwarisi.

Zvisinei nemamiriro ako ezvinhu, ungangove uine mibvunzo yakawanda nezve inishuwarenzi yekuberekwa uye hutano, kazhinji. Kuti ikubatsire kutanga, heino mibvunzo mitatu yakatarwa yekubvunza mupi weinishuwarenzi paunenge uchitarisira.

Chii chinobata pamuviri inishuwarenzi inovhara?

Inishuwarenzi yepamuviri inovhara zvese zvakakosha zvehutano zvine chekuita nekutarisira kwepabonde. Izvi zvinogona kusanganisira kushanya kusati kwazvarwa, mishonga inonyorwa, marabhoritari masevhisi, chirwere cheshuga cheshuga, mutengo wekusununguka, uye zvimwe zvakakosha zvekuchengeta vana Inobatanidza zvakare kuchengetwa patsva. Paunenge uchiongorora sarudzo dzeinishuwarenzi panguva yekunyoresa pachena kana kuongorora chirongwa chako chehutano, tarisa kunze-kwehomwe mari, macopay, madhiri, uye kusimbiswa kwemari zvine chekuita nekutakura kwemadzimai.

Sezvo kuchengetwa kwemadzimai kuchiratidzwa seimwe yeiyo Inodhura Care Act (ACA) Zvakakosha Hutano Kubatsirwa , Chero bedzi iwe ukatenga chirongwa chinokodzera pasi peAACA, unenge uine nhumbu yekuvhara. Izvi zvinosanganisira Hutano Inishuwarenzi Musika uye Zvirongwa zveMedicaid , iyo inovhara kutarisirwa kunyangwe kana nhumbu yako ikatanga usati kufukidzwa kwatanga.

Izvo zvakati, Louise Norris , ane marezinesi einishuwarenzi ehutano mumiriri kubva kuWellington, Colo., anotsanangura kuti iwo chaiwo marongero ezvakafukidzwa mudunhu rega rega anogona kusiyanisa zvichienderana nezvinotsanangurwa pabenchmark. Nekudaro, zvakakosha kuti unzwisise ruzivo rwekuti chirongwa chako chinoshanda sei. Pamusoro pezvo, kufukidzwa-kunopihwa nevashandirwi, kungave kuburikidza naamai kana mumwe wako, kunopa kubata pamuviri; zvisinei, iwe unogona kuve nenguva yekumirira kusvikira kufukidza kwako kwatanga.

Dzimwe mhando dzeinishuwarenzi dzinogona kusapa maternity mabhenefiti. Kana iwe uri pasi pemakore makumi maviri nematanhatu uye uine chakavanzika chekuvhara pane chimwe chirongwa cheumwe munhu, senge chemubereki, kana uine chirongwa chehutano hwevadzidzi, zvinogona kusasanganisa kubata pamuviri. Mitemo inosiyana kubva ku-state-to-state-iva nechokwadi chekutarisa nehurongwa hwako. Kana kufukidza kukasabatanidzwa, funga kunyorera yako pachako chirongwa panguva yepamuviri kuburikidza ne zvehutano.gov pamusika, kana yekufukidzwa kweMedicaid (iyo dzimwe nguva inopa kufukidza zvirinani).

Makambani einishuwarenzi anofanirwa kukwanisa kukupa iwe mari inotarisirwa yekuzvitakura, izvo zvinokupa iwe zano rakanaka reizvo zvavachavhara uye nezvaungatarisira kubhadhara, anotsananguraMelanie Musson, nyanzvi yeinishuwarenzi yehutano na U.S. Inishuwarenzi Agents . Inishuwarenzi ine yakaderera yakaderedzwa uye yakaderera yakanyanya kubuda-muhomwe ndiyo yakanakira nhumbu nekuti kuve nemwana kunodhura, uye iwe ungangosvika kune yako yaunobvisa, anodaro.

Pamusoro peinishuwarenzi yehutano yekuzvitakura uye kuchengetwa kwevacheche, iwe unofanirwa zvakare kuzviziva iwe neiyo Mhuri Kurapa Kusiya Mutemo kana FMLA. Pasi peMMLA, vashandirwi vanofanirwa kupa vanokodzera vashandi-basa-rakachengetedzwa uye risingabhadharwe zororo rezvakanangana nezvekurapa uye zvemhuri zvikonzero, senge kubata pamuviri uye kuchengeta mwana achangoberekwa, uye kuchengetedza boka rezvehutano mabhenefiti panguva yezororo. Izvi zvinobvumira vabereki vatsva mukana wekudzikamisa basa uye mabasa emhuri. Kana zvichikodzera, unogona kutora kusvika kumavhiki gumi nemaviri ezororo risingabhadharwe gore rega rega rekuzvarwa nekutarisirwa kwemwana achangozvarwa, pakati pezvimwe zvikonzero zvemhuri uye zvekurapa.

Unogona here kuwana inishuwarenzi yehutano kana iwe uri nepamuviri?

Ehe, iwe unokodzera kunyorera inishuwarenzi yehutano kana iwe uri nepamuviri. Munguva yakapfuura, inishuwarenzi inoronga nhumbu seyakagara iripo mamiriro. Izvi zvakasiya vakadzi vazhinji vane nhumbu vasina inishuwarenzi yehutano.

Asi kupfuura kweAACA kwakachinja zvese izvo. Kana iwe uine chirongwa cheMusika kana kufukidzwa kweMedicaid, unokodzera kupihwa nhumbu nekuchengetwa kwekubereka kunyangwe ukanyorera uri nepamuviri. Izvi zvakare zvinosanganisira kufukidzwa kweinishuwarenzi kuburikidza newaunoshandira kana waunoshandira uye chirongwa chehutano chaunotenga wega.

Iwe unofanirwa kunyoresa mune chirongwa chehutano panguva yekunyoresa pachena kana panguva yakakosha yekunyoresa nguva kana iwe uchikodzera. Maererano ne zvehutano.gov , yakakosha kunyoresa nguva inguva iri kunze kwegore yakavhurika kunyoresa nguva kuti unokodzera kana iwe wakasangana nezvimwe zviitiko zvehupenyu sekufamba, kuroora, kurasikirwa nehutano, kutora mwana, kana kuita mwana.

Chero bedzi iwe uchinyorera ACA-inoenderana chirongwa chehutano, Norris anoti hauzorambwe hutano hwekuchengetwa kwepamuviri. Nekudaro, iye anonongedza kuti kana iwe uchinyorera chimwe chinhu senge pfupi-pfupi chirongwa kana yakagadziriswa indemnity chirongwa, iyo inishuwarenzi kambani inogona kuramba kunyorera nekuda kwepamuviri. Mapfupi-enguva zvirongwa zvehutano hazvisangane neAACA nhungamiro, uye mazhinji anongovhara kushanya kwechiremba uye kurapwa kwekukurumidzira. Zvirongwa zvehutano zvenguva pfupi hazvifukidze mamiriro akambovapo.

Kana iwe ukawana mari yakawandisa kuti ukwanise kufukidzwa neMedicaid, mamwe matunhu anovhara nhumbu pasi pe Yevana Hutano Inishuwarenzi Chirongwa (CHIP). Ichi chirongwa chinozivikanwa zviri nani nekupa inishuwarenzi mabhenefiti kuvana vasina inishuwarenzi.

Ungaita sei kudzikisira kubata pamuviri?

Paunenge iwe uchinzwisisa nzira yekukodzera inishuwarenzi kana shanduko yemarongero panguva yakavhurika yekunyoresa nguva, inguva yekutarisa nzira dzokuderedza nhumbu mutengo nekushandisa yako inishuwarenzi kuzere.

Enzanisa zvirongwa zveinishuwarenzi zvehutano panguva yakavhurika yekunyora nguva

Nzvimbo yakanaka yekutanga kana uchisarudza chirongwa kuenzanisa mari inotarisirwa pasi pechirongwa chega chega chinowanikwa panguva yekunyoresa pachena, kusanganisira maprimiyamu emwedzi pamwe chete nemari yepanze-muhomwe yauri kutarisira kuitisa nhumbu.

Dzimwe nguva chirongwa chine mari dzekunze-kunze-kwehomwe dzinopedzisira dzave kukosha kuri nani nekuda kweprimamu dzakaderera, anodaro Norris, asi dzimwe nguva unozobuda pamberi nekubhadhara maprimiyamu epamusoro kuti uwane chirongwa nemari yepasi-yehomwe.

Imwe nzira yekutarisa izvi kusarudza zano rine rakaderera rinobviswa uye coinsurance . Iyo yekutanga ichagadzirisa izvi, saka zvakakosha kuti uite masvomhu kuti uone kuti ungazobhadhara zvakadii pakupera kwegore pamaprimiyamu maringe nemari inobvisirwa pamwe nemari yekusimbisa.

Nzwisisa inishuwarenzi yako

Yako yekutanga nzira yekuchengetedza mari ndeye kufonera yako inishuwarenzi kambani. Vanogona kukuudza kuti hurongwa hwako hwehutano hunovhara zvakadii kuchengetwa kwekuzvitakura, kusanganisira kushanya kwachiremba, kubhadharisa mari, kufukidza chikamu cheC-chikamu, kuchengetwa kwevacheche, uye mamwe maitiro. Ita shuwa yekubvunza nezve zvakabviswa, mu-network vs. kunze-kwe-network mutengo, chipatara chekugara mari, coinsurance, uye kunze-kwehomwe max. Uye kana iwe uri padyo neyakavhurika yekunyoresa nguva neako inishuwarenzi mupi, bvunza nezve kuchinja zvirongwa kuti ubatsire kudzikisira yakazara mari.

Sarudza mu-network kana zvichibvira

Kuti uwane chiremba anozvara, tanga nekutarisa mupi uye chipatara chiri mu-network. Iwe unogona kutsvaga in-network Provider nekuwana yako webhusaiti webhusaiti webhusaiti. Kushandisa mu-network vatapi vezvehutano vanogona kukuchengetedza mari yakawanda kunze-kwehomwe mari. Nyatsoteerera kune zvinopihwa network zvinoda uye usati wabvumidzwa mvumo. Kunyangwe kana chiremba wako ari mu-network, radiologist, anesthesiologist, lab services, kana mamwe masevhisi anogona kunge ari kunze kwenetiweki. Iwe haudi kunamatira nechishamiso chikwereti nekuti iwe wakaenda kuchipatara chekunze-kana kana uine-kunze-kweneti anesthesiologist, Norris anodaro.

Saina kuFSA kana HSA

TO inochinjika yekushandisa account (FSA) uye account yekuchengetedza hutano (HSA) zvishandiso zvekuchengetera iwe zvaunoisa mari mukati kubhadhara zvimwe zvekunze-kwehomwe mari yekurapwa. Sezvo iwe usingabhadhari mutero pamari iyi, unogona kudzikisira mari yekuzvitakura nekunyoresa mune imwe yeiyi zvirongwa .

Kuti uve unofanirwa ne FSA , waunoshandira anofanira kupa chirongwa. Kuti utore mukana weiyo HSA, iwe unofanirwa kuve nehurongwa hwehutano hwakakodzera neinobviswa yakakwira, uye haugone kuve paMedare kana kuMedicaid. Kana iwe ukasarudza chirongwa chiri HSA-chakakodzera, unogona kuisa pre-mutero mari muHSA wobva washandisa iyo mari kubhadhara yako inobvisirwa uye zvimwe zvekunze-kwehomwe mari zvine chekuita nepamuviri (kana chero imwe yehutano inoda) , Norris anodaro.

Shanda nedhipatimendi rekubhadhara kuchipatara

Kazhinji, madhipatimendi ekubhadharisa chipatara anogona kupa dhisikaundi ye10% kusvika 20% yemabhiri anokurumidza kubhadharwa,Mussonanotsanangura. Nekudaro, kana iwe uchigona kubhadhara ipapo, daidza dhipatimendi rekubhadhara uye utarise kana iwe uchikodzera kuwana mutengo.

Chengetedza chipatara chako chigare chipfupi uye chiri nyore

Kamwe kana chiremba wako akakupa mwenje wakasvibira kuti uende kumba, uye iwe unzwe wakagadzirira, tarisa kunze kwechipatara nekukurumidza sezvazvinogona. Zvakare, iwe unogona kukwanisa kudzosera mamwe masevhisi kushanyi kwevanorwara kunze, izvo zvinogona kunge zvichidhura-kudhara senge isiri-yekukurumidza nyanzvi kushanya kana bvunzo isiri-yekukurumidzira (kureva maX-ray, ultrasound, kana mamwe marabhabhu). Izvi, hongu, zvinoenderana nekupora kwako uye hutano hwemwana. Kana iwe uchikwanisa kuchengetedza kugara kwako kushoma, iwe unogona kugona kuchengetedza yakawanda mari.