Maitiro ekuona chiremba kana iwe usina hutano inishuwarenzi

Kambani

Kana iwe uchirwara, unoita musangano kuti uone chiremba, handiti? Zvakanaka, kana iwe uri muUnited States uye uri mumwe wevanhu vazhinji vasina unishuwarenzi kana vasina inishuwarenzi, kuwana kurapwa hakusi nyore kwazvo. Sisitimu yehutano inogona kudhura zvakanyanya kune vasina inshuwarisi-kana kune avo vane inishuwarenzi isingavhare zvakakwana. Saka, iwe unoona sei chiremba asina inishuwarenzi yehutano? Neraki, pane mashoma sarudzo aripo. Nekudaro, zvinosiyana nekwaunogara, rudzii rwekurapa runodiwa, uye zvimwe zvinhu zvinoenderana nemamiriro ako ezvinhu.

Maitiro ekuona chiremba asina inishuwarenzi

Chekutanga uye chekutanga, vanhu havafanire kudzivirira kuenda kuna chiremba zvakanyanya nekuda kwemutengo. Zvinogona kukanganisa hutano hwako uye chikwama chako zvimwe pasi pemutsetse kana ukanonoka kuwana rubatsiro rwaunoda. Kunyangwe iwe usina inishuwarenzi yehutano, unogona achiri kuona chiremba uye uwane kurapwa - kudzivirira, kuchengetedza kwakanyanya, kurapwa kwekukurumidza, kana kurapwa kwekukurumidzira. Chikamu chakaoma ndechekutsvaga masevhisi anodhura. Idzo nzvimbo dzakanakisa dzekutanga makiriniki ehutano enharaunda, makiriniki ekufamba-famba, uye vanopa vatariri vakananga.

Makiriniki ehutano enharaunda

Makiriniki ehutano enharaunda angangowanikwa munzvimbo yako. Izvi zvinogona kusununguka kana nemutengo wakaderera kwauri. Makiriniki aya anopa kumwe kuchengetedzwa kwakanyanya kunodiwa kuvanhu, sekudzivirira kuongororwa uye majekiseni, pasina mutengo unodhura weavo vanopa rubatsiro rwekutanga kana inishuwarenzi. Zvizhinji zveizvi zvinobvumidza vanhu kubhadhara pachiyero chinotsvedza zvichibva pamari yavo, kana kupa mahara masevhisi. Edza kutsvaga nzvimbo yako kuburikidza nedhairekitori riri pa freeclinics.com .

Famba-mumakiriniki

Kufamba-mumakiriniki aripo zvakare kune zvimwe zvakajairika nyaya, uye ivo vanogona kutora mari kubhadhara kana iwe usina inishuwarenzi. Iwe unogona kuona chiremba pakufamba-mukiriniki yezvinhu zvidiki uye kubhadhariswa kushanya. Nekudaro, hazvisi zvese izvi zvinotengeka sevamwe, saka ita shuwa kuti ubvunze kana mitengo iri kumberi. Vamwe vanofamba-mumakiriniki vanopa chengetedzo pamitengo yakaderera kana yakadzikiswa, nepo vamwe vangakwanise kukubatsira iwe kunyorera yemahara kana yakachipa-inishuwarenzi yehutano, seMedicaid.

Tungamira vanopa rubatsiro

Kunyangwe iwe usina inishuwarenzi yehutano, zvichiri kukwanisika kuona mupi wehutano; zvisinei, zvinogona kuuya pamubhadharo. Kune makiriniki anobatsira vasina kuvimbisirwa, anozivikanwa semakiriniki emari-chete, makiriniki evafi, kana vanopa rubatsiro kwakananga. Iwe ungangoda kushopota kuti uwane chiremba waunoda uyo anokwanawo mukati mebhajeti rako.

Chipatara emergency room

Kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinetsa Rega vashandi vazive kuti hauna kuvimbiswa, sezvo uchikwanisa kuronga mazwi ekubhadhara pamusoro penguva nedhipatimendi ravo rekubhadhara, kana kuwana rubatsiro kunyorera kune emergency Medicaid kana imwe inishuwarenzi. Zvisinei, kuchengetedzwa kwekukurumidzira ndiyo inonyanya kudhura mhando yekutarisirwa. Ingoshandisa chete kana iri yechokwadi emergency kuti usapinda mune anodhura mabhiri. Mumamiriro ezvinhu asiri ekukurumidzira, kutarisirwa nekukurumidza kunowanzo kuve sarudzo inodhura.

Nzvimbo dzekuchengetedza nekukurumidza

Dzinokurumidzira nzvimbo dzekuchengetedza dzinowanikwa kune izvozvi zvekukurumidzira uye nezvimwe zvinoda nguva-zvinoda kurapwa, uye kazhinji vanokwanisa kutora mubhadharo wakananga kubva kumurwere. Izvi zvinogona kupedzisira zvave imwe nzira isingadhuri pakushanya kuchipatara, chero kiriniki ichigona kugadzirisa zvaunoda pakurapa. Aya nzvimbo senge yekufamba-mukiriniki kune zvakanyanyisa kunetseka, senge akavhunika mapfupa, kupwanya, uye maronda anoda kusonwa.

Zvinodhura zvakadii kuona chiremba asina inishuwarenzi?

Zvinosuruvarisa, kana iwe usina kuvimbiswa, kuwana kurapwa kunogona kudhura zvakanyanya. Just sei zvinodhura zvakaoma kuziva, sezvo zvichisiyana nenyaya yezvokurapa yauinayo, mhando yemupi wauri kuona, uye kwaunogara. Ndichiri chikwereti.org inonyora kushanya kwachiremba kunodhura kumwe kunhu pakati pe $ 70 ne $ 250, asi nhamba iyi inokwira kana uchida kuwedzerwa kuyedzwa kana kupihwa mishonga. Inogona kunge iri nyeredzi kana iwe uchifanira kushanyira iyo emergency emergency. Izvo zvinodhura zvezviitiko zvakasiyana uye zvirwere zvinogona kuwedzera nekukurumidza kana iwe uchinge waisa muzvinhu zvinobhadharwa senge kuongororwa kweropa, X-rays, uye amburenzi kutasva. Vanhu vazhinji vanopedzisira vashamisika nemari hombe mushure mechiitiko chekurapa.

Ivhareji yemutengo wekuongororwa bvunzo inogona zvakare kusiyanisa nediki zvishoma zvichienderana nedunhu rako uye nekwawakaenda. Zvinoenderana ne Healthcare Bluebook , dhatabhesi rinobatanidza mareti, kuongororwa kwerabhoritari kuongororwa kunogona kubva pakati pe $ 15 ne $ 100, chest X-ray inogona kubva pakati pe $ 40 ne $ 250, uye fetal ultrasound inogona kukudzosera pakati pe $ 89 ne $ 480. Sezvauri kuona, inogona kuve iri denho chaiyo yekufungidzira kuti ingani kurapwa kwekurapa kunogona kuita iwe kana ukazopedzisira wave kuida.

Kungoti iwe uchabhadhara zvakadii zvakare kunoenderana nekwauri kupihwa rubatsiro. Mamwe makiriniki anogona kupa zvikwereti, kana kukutendera kuti ubhadhare pasikero inotsvedza inoenderana nemari yako. Nharaunda dzemakiriniki dzinogona kupedzisira dzakachipa pane kuenda kunopa rubatsiro kune vakananga, uye makiriniki ekurumidziro ekuchengetedza anogona kunge asingadhuri pane rwendo rweEER. Pakupedzisira, izvo zvaunenge uchiripa zvinosiyana zvakanyanya nedambudziko rako rehutano uye kwaunoenda kunorapwa. Usati washanyira kiriniki, unogona kushopota uchienzanisa mitengo kana kuona kana uchigona kuwana kurapwa kwaunoda pane imwe nzvimbo yakachipa.

Zvakakosha kushevedzera kuti kune vanhu vazhinji vasina kuvimbiswa izvo zvisingafanire kuve. Unogona kushanyira zvehutano.gov kana bvunza dhipatimendi rako remunharaunda rezvemagariro kuti uone kana iwe uchikodzera yemahara kana yakaderera-mutengo inishuwarenzi yehutano.

Maitiro ekuchengetedza mari kana iwe usina hutano inishuwarenzi

Paunenge uchiwana kurapwa pasina inishuwarenzi, pane matanho iwe aunotora kuti udzikise mutengo:

1. Taura iwe hauna unishuwarenzi . Nenzira iyi iwe unogona kuziva kana paine chero zvidzoreso zvaunogona kukodzera.
2. Tenga uchitenderedza kutarisirwa kunoenderana nebhajeti rako . Mitengo inosiyana nenzvimbo. Tarisa kiriniki yemahara, kana inotsvedza.
3. Kumbira chirongwa chekubhadhara . Vamwe vanopa hutano vanokutendera iwe ubhadhare nguva yekuwedzera kuti udzikise mari yepamberi.
4. Tarisa-tarisa mabhiri ako .Zvikanganiso zvakajairika. Ita shuwa kuti iwe urikubhadhariswa chakaringana huwandu. Iwe unogona kunyange kutaurirana zvikwereti mushure mekunge mazvigamuchira, chingofona uye ubvunze.
5. Shandisa mishonga yekuchengetedza makadhi , senge SingleCare kudzikisa mutengo wechero mishonga yaunoda.
6. Kumbira masampuli emushonga kana generic vhezheni . Izvi zvinogona kudzikisa zvakanyanya mutengo wekunze-muhomwe wemishonga.
7. Tarisa uone kana iwe uchikodzera kuMedicaid . Izvo zvinoenderana nemari, kukura kwemhuri, uye kwaunogara, pakati pezvimwe zvinhu.

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Zvese zvinonzwa zvakanyanya kana uchirwara. Tora nhanho idzi izvozvi, usati wave kuda hutano, kuti uve nechokwadi chekuti uri munzvimbo iri nani mune zvemari gare gare. Kutsvaga zvikwereti, makuponi, zvirongwa zvekubhadhara, uye kuenzanisa mitengo zvinogona kubatsira zvikuru pachikwama chako paunenge uchiedza kufamba nehutano hwehutano.