Kuru >> Kambani >> Nzira shanu dzekuwana rubatsiro nemari dzekurapa kana iwe usina inishuwarenzi

Nzira shanu dzekuwana rubatsiro nemari dzekurapa kana iwe usina inishuwarenzi

Kambani

Kubhadhara zvikwereti zvekurapa zvinotyisa zvakakwana, ndoda kana usina hutano hweinishuwarenzi. Muna 2019, Mamiriyoni 137.1 eAmerica kunetsekana nedambudziko rekushaya mari. Nepo kubhajeta kwemari yekuchengetedza hutano kunogona kubatsira, kune dzimwe nzira dzekudzora chikwereti chekurapa uye kuwana rubatsiro nemari dzekurapa.

Kubhadhara zvikwereti zvekurapa pasina inishuwarenzi

Kana iwe ukazviwana iwe uri mune yekukurumidzira kwekurapa iyo iri kutyisidzira hupenyu, iwe unofanirwa kuenda kune yekukurumidza emergency imba iri kuchipatara chiri padyo, zvisinei neinishuwarenzi yako chinzvimbo. Nekudaro, kana yako yekurapa mamiriro ichida kurapwa asi isiri iti , unogona kukwanisa kutsvaga rubatsiro rwakachipa kubva kunzvimbo yekurumidzira yekuchengetedza. Mari yekubhadhara uye yekunze-kwehomwe mari inowanzo kuve yakachipa kumahofisi ekuchengetedza nekukurumidza pane izvo iwe zvaunofanira kubhadhara kuimba yekukurumidzira. Iyo National Association Yemahara uye Anobatsira Makiriniki ine online kiriniki yekuwana iyo iwe yaunogona kushandisa kutsvaga kwekutenga kurapwa kwekurapa padyo newe.

Pamutemo, haugone kurambwa kubva pakurapwa nekuti hauna chirongwa cheinishuwarenzi chehutano kana kuti haugone kubhadhara. Saka, iwe unobhadhara sei mari yekurapa pasina inishuwarenzi? Heano mazano mashanu ekuchengetedza mari ekubhadhara zvikwereti zvekurapa pasina inishuwarenzi.

1. Ongorora zvikwereti zvako

Zvikanganiso zvinoitika, kunyangwe mumabhiri ekurapa. Imwe typo inogona kuita mutsauko pakati pekuti kana kwete sevhisi yakavharwa kana kurambwa nekambani yeinishuwarenzi. Maitiro ekugadzirisa uye kukodha , kunyanya kana kuwanda kwemasevhisi akaitwa, kunogona kunetsa kune chero nyanzvi yehutano.

Wongorora zvako zvechiremba zvikwereti uye zvehutano zvinodhura mutsetse netambo uye tsvaga zvikanganiso. Unogona kubhadhariswa masevhisi ausina kumbogamuchira. Kuferefeta kwakadzama kunogona zvakare kuona zvakapetwa zvakapindirwa kana zvimwe zvisiri izvo.

Kusvikira ku80% yemabhiri ekurapa ane zvikanganiso, zvinoenderana neboka revatsigiri vezvokurapa Sarudza . Tsvaga rubatsiro kubva kuboka rekutsigira kana iwe uchida rubatsiro kuongorora rako rekurapa mapepa. Iwe unogona zvakare kukumbira kuti uongorore marapirwo ako ekurapa nedhipatimendi rekubhadhara kuchipatara. Mushandi wezvemagariro kana mutsigiri wemurwere anogona kunge aripo kuti akubatsire kuburikidza nenzvimbo yako yehutano.

2. Kumbira dhisikaundi

Kutaurirana bhiri repasi imwe nzira yekubatsira kudzikisa mari yekurapwa. Semuenzaniso, mushure mekuongorora invoice yako, unogona kucherechedza mari yechipatara yemasevhisi anga asingadiwe. Iwe unogona kukumbira imwe mari kubviswa kana kubviswa kubva mubhiri. Kunyangwe izvi zvisina kuvimbiswa kudzikisa yako bhiri, zvakafanira kuedza mukukumbira. Unogona kushamisika.

Zvakare, iwe unogona kukwanisa kutaurirana bhiri repasi kana iwe usingakwanise kubhadhara iyo yose kubhadhara asi uchigona kubhadhara yakakosha huwandu. Panzvimbo pekumisikidza chirongwa chekubhadhara, unogona kukwanisa kubhadhara chikwereti chakakweretwa pamari yakaderera nemari yemari. Bvunza maneja wehofisi yekubhadharisa kana iri mhinduro ingangodaro yavanofunga. An ipa kuti ugare nefomu remari inogona kubatsira, kunyanya kana chikwereti chako chikapihwa kune vane chikwereti, uye iwe uri kufunga nezve kusefa kubhuroka.

Paunenge uchitsvaga kurapwa kuhofisi yechiremba, kunyanya pasina inishuwarenzi, unogona kubvunza wako mupi wezvehutano kana ivo vachipa madhora kune varwere vanobhadhara zvakakwana kana nemari. Kubvunza nezve zvakaderedzwa zvinogona kudzikisira kushushikana kwakanangana neyekurapa bhiri chikwereti.

3. Tevedza neako inishuwarenzi mupi

Kunyangwe neinishuwarenzi, unogona kuona kuti makambani mazhinji einishuwarenzi anongovhara chikamu chemari yekurapa inosanganisirwa nemishonga nemishonga. Nekudaro, kana iwe uine imwe fomu yeinishuwarenzi, asi uchiri nemari dzekurapa kupfuura zvaunogona kubhadhara, tarisa nekambani yeinishuwarenzi kuti uone kana paine chero mari inogona kubviswa.

Maitiro akakwenenzverwa ekukwirira anogona kudikanwa kuti udzikise chiyero chako. Kumbira tsananguro yemabhenefiti kubva kune wako inishuwarenzi mupi kuti udzidze zvakawanda nezve izvo zvinhu zviri muzvipatara zvikwereti zvako zvinogona kuvharwa.

4. Wana pachirongwa chekubhadhara

Dzimwe nguva, iwe unofanirwa kuwana iko kurapwa kwaunoda iwe uye tarisa pamabatiro ekuzvibhadharira iyo mushure mechokwadi. Hazvisi zvisingazivikanwi kuti varwere vabhadhare mari yekurapa kuburikidza nehurongwa hwekubhadhara. Kunyangwe vanhu vane inishuwarenzi yekuvhara vane yakakwira yekurapa mabhiri, macopay, uye imwe kunze-kwehomwe fizi.

Bata dhipatimendi rekubhadhara kuchipatara kuti udzidze zvakawanda nezvezvirongwa zvekubhadhara. Vazhinji vateresi kana vanhu vari mumatare ekubhadharira vanofarira kushanda nevanhu vanoda kubhadhara mabhiri avo. Ive neshuwa yekuverenga yakanaka kudhinda kunyangwe; zvimwe zvirongwa zvekubhadhara zvinobhadharisa mhindu.

5. Kumbira kubvisirwa mari yekurapa pamitero yako

Mari inokodzera yekurapa inogona kubvisirwa mutero . Iyo Yemukati Revenue Service (IRS), inoona marapirwo akawanda ekurapa, kusanganisira mazino, kutarisirwa kweziso, kuvhiyiwa, uye kunyangwe kudzivirira sekubvisirwa mutero. Mishonga, magirazi, mazino ekugezesa, zvinobatsira kunzwa, uye zvimwe zvigadzirwa zvekurapa zvinogona kubvisirwa mutero zvakare.

IRS inotarisawo mari yekufambisa mumotokari yako, fizi yekupaka, mari yebhazi, uye zvichingodaro kubvisirwa mari yekurapa. Zvese izvi zvekuwedzera mari zvinogona kuwedzera kumusoro. Kana uri kuzvishandira , iwe unokwanisa kutora zvese zvako zvehutano inishuwarenzi premium kubhadhara, futi, izvo zvinogona kuve zvinokurudzira kunyora muhurongwa hweinishuwarenzi yehutano.

Kubva muna2020, mari yekurapa inodarika gumi muzana (yaimbove 7.5%) yevanhu kana imba yakagadziriswa mari yakazara (AGI) inoderedzwa. Bvunza accountant kana iwe uine mari yakawandisa yekurapa uye mari.

Ndiani anogona kubatsira nemabhiri ekurapa

Zvirongwa zvekubatsira varwere

Zvirongwa zvekubatsira zvemari yechikwereti chekurapa zvinogona kuwanikwa kuburikidza nechipatara kana mamwe masangano emuno. Bvunza kuti uone kana paine chero mabhenefiti kana mari yekurapa yekubatsira iwe yaunokodzera. Samariya Hutano Hutano , UnitedHealthcare Vana Sangano , uye HutanoWell Foundation anongova matatu emasangano mazhinji asingabatsiri anopa rubatsiro rwemari kune vanhu uye mhuri nemari yekurapwa.

Kukodzera kunowanzo kuve mari-yakavakirwa, saka ungangoda kuendesa ruzivo rwemari, kusanganisira mabhadharo emabhadharo kana ruzivo rwekudzosa mutero, sechikamu chekuita kwako kuita.

Mari dzekupa dzinogona kudzikisira uye dzimwe nguva kunyatsovhara bhajeti rekurapa. Nekudaro, kana iwe kana mumwe munhu waunoziva achinetseka kubhadhara mari yekurapwa, tsvaga rubatsiro kuburikidza nemachechi emuno nemasangano asingabatsiri, pamwe nemapoka emunyika online. Mari yakanaka yesamariya inogona kuwanikwawo kunzvimbo yehutano kwawakarapwa.

Medicaid

Kana iwe uine mari shoma, uri mukuru mugari, kana uine mari yekurapwa kupfuura yaunogona kubhadhara, unogona kukodzera Medicaid . Medicaid chirongwa chinotsigirwa nehurumende. Medicaid inogona kubhadhara chikamu kana ese marapirwo uye mishonga yaunoda. Kunyangwe iwe uchizokodzera kupihwa kudzoserwa muripo kwemaitiro usati wabvumidzwa, iwe unogona kuva nechokwadi chekuti marapiro emangwana nemishonga zvichavharwa kudzikisira yako ese ekurapa mutengo.

SingleCare

Mishonga yekunyorera inowanzo mutengo kune vasina kuvimbiswa. Mari yekunyorera zvinodhaka inowedzera neinenge 6.3% pagore kubva 2016 kusvika 2025, sekureva kwa Center yeMedare uye Medicaid Services (CMS). Imwe nzira yekuchengetedza pamutengo wemishonga ndeye kuburikidza nebasa rekuchengetedza seSingleCare. SingleCare inogona kukuchengetedza kusvika ku80% pamushonga wako, uye mahara zvachose.

Kune dzimwe nzira dzekuchengetedza mari kana zvasvika pakurapa. Vatapi vezvehutano vanowanzo takura masampula emishonga yekunyorera. Kukumbira mupi wako semuenzaniso wakasununguka kunogona kukuchengetedza mari. Iwe unogona zvakare kubvunza nezve imwe nzira kana generic mafomu zvemushonga wako. Wako wekurapa kana wemishonga anogona kunge achikwanisa kukubatsira iwe kuwana mhinduro isingadhuri kumishonga inodhura.

Chekupedzisira, pharmacy mitengo haina kufanana. Tenga uchitenderedza.Imishonga iri padyo inogona kutakura mushonga wako nemutengo wakaderera zvakanyanya. Tsvaga mushonga wako uye nyora yako zip kodhi pa singlecare.com kuti uwane pharmacy padyo newe nemutengo wakanakisa wemushonga wako.

Chii chinoitika kana iwe usingakwanise kubhadhara ako ekurapa zvikwereti?

Zvinosuruvarisa, zvisinei nekuedza kwavo, vanhu vazhinji havagone kubhadhara yavo yemabhiri ekurapa. Mari dzekurapa ndicho chikonzero chekutanga nei vanhu vemuUS vachienda kubhuroka . Pakupedzisira, misikanzwa kana kuti isingabhadharwe zvikwereti zvekurapa zvinotumirwa kunzvimbo yekuunganidza.

Ko zvikwereti zvekurapa zvine chekuita nechikwereti chako here?

Kana zvikwereti zvekurapa zvisiri kubhadharwa, kubhadharwa zvishoma, kana kusabhadharwa nenguva, zvinogona kupihwa kukambani yekuunganidza. Sangano rekuunganidza rinokuzivisa nezve kuchinjiswa kwechikwereti uye rinopa mazuva zana nemakumi masere kubva pazuva rekuzivisa usati waudza hofisi yechikwereti yechikwereti. Kamwe kiredhiti Bureau yabvuma iyo isingabhadharwe zvikwereti zvekurapa mune yavo system, yako kiredhiti mamaki anozoratidza yako yakasarudzika chikwereti chekurapa.

Mabhiri ekurapa acharamba ari mushumo wechikwereti kwemakore manomwe. Kunyangwe hazvo chikwereti chekurapa chichigona kubviswa munhoroondo yechikwereti, iwe uchiri wakasungirwa zviri pamutemo kubhadhara chikwereti. Izvo kunze kwekunge iwe waisa faira kubhuroka.

Unogona here kufaira kubhuroka pamari dzekurapa?

Kunyora kubhuroka kunogona kunzwa sekusemwa kusingadiwe, asi iwe unenge usiri wega. Pedyo 62% yekuburitsa mari muAmerica kune chekuita nenyaya dzekurapa, sekureva kweAmerican Journal of Medicine. Kubhuroka kwakanangana nechikwereti zvine chekuita nechikwereti kunoiswa pasi peChitsauko 7 kana Chitsauko 13. Iyo Bankruptcy Code inotarisa chikwereti chekurapa chakafanana nechikwereti chekadhi rechikwereti. Mune mamwe mazwi, chikwereti chekurapa uye chekwereti zvikwereti zvisina kuchengetedzwa zvausingade kubhadhara kana iwe ukati wakabhuroka.

Muzviitiko zvakawanda, kumisikidza kubhuroka hakudi kuti iwe uve negweta, asi zvinokurudzirwa kwazvo. Paunenge uchinyorera kubhuroka, iwe uchafanirwa kupa yese yemhuri yako kana yemhuri mari, kusanganisira mari yemumwe wako. Rumwe ruzivo maererano neyako pfuma, mota, zvivakwa, zvinofanirwa kutaurwa. Iwe zvakare uchafanirwa kuburitsa chero kutsva kutengesa kana kuchinjiswa kwepfuma, mari, uye zvikwereti sechikamu cheichi chiitiko.

Kubhuroka kunokanganisa yako kiredhiti zvisinei nechikonzero chiri shure kwayo. Yako kiredhiti rating inodonha, uye kubhuroka kunozoonekwa pane yako kiredhiti rekodhi kwemakore manomwe kusvika gumi. Neichi chikonzero, iwe ungangoda kufunga kubhuroka senzira yekupedzisira.

Mari dzekurapa dzinogona kuva mutoro unorema unogona kukuita kuti unzwe kunetseka uye kusava netariro. Zvisinei, hazvifaniri kunge zvakadaro. Kana iwe uri kunetseka nekubhadhara yako ekurapwa zvikwereti, tsvaga rubatsiro munguva pfupi pane kupfuura gare gare. Iwe une zvakawanda zvekusarudza kuti uwane rubatsiro nemari dzekurapa.