Hapana inishuwarenzi yehutano? Edza izvi 2020 zviwanikwa
KambaniMuna 2018, 9% yevaAmerica vakanga vasina kuvimbiswa. Makore maviri nedenda rakazotevera, mamirioni emabasa ekushaya mabasa ari kuzadza dhipatimendi reDhipatimendi reVashandi. Sezvo vangangoita hafu yevaAmerican vaive nehurongwa-hwakatsigirwa chirongwa chehutano, tinogona kutarisira kuti nhamba yevarwere vasina kuvimbiswa inomuka.
Kunyangwe hazvo dzimwe nyika dzichiri kuusimbisa, hapasisina mutero wehurumende nemubatanidzwa wekushaya inishuwarenzi yehutano. Asi njodzi yeinishuwarenzi yehutano yakakura kwazvo kupfuura nhamo dzemari. Inoisa hutano hwako panjodzi, futi. Muna 2019, 1 mumhuri nhatu muUnited States vakasiya kurapa nekuda kwemutengo. Kurapa uye kutevedzera mishonga zvakakosha pakurapa chirwere chisati chave chirwere chisingaperi, chinova ndicho chinokonzera kukonzera kufa nekuremara muU.S.
Saka unoitei kana iwe usina inishuwarenzi yehutano? Kutanga, iwe unofanirwa kufunga pfupi-yenguva pfupi yekuvhara hutano sarudzo uye mapurogiramu anotambira mari shoma seMedicaid kana iyo Yevana Hutano Inishuwarenzi Chirongwa (CHIP). Zvisinei, zvichiri kukwanisika kuwana hutano nehutano pamutengo wakaderedzwa usina inishuwarenzi yehutano. Heano zviwanikwa kuti uwane rubatsiro rwaunoda.
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Kuwana hutano pasina inishuwarenzi
Neraki, kusave neinishuwarenzi yehutano hazvireve kuti haugone kurapwa. Pasi pe Emergency Medical Treatment uye Inoshanda Labor Act , dzinenge zvipatara zvese zvinofanirwa kupa rubatsiro kuvarwere vanoda kurapwa nekukurumidza zvisinei neinishuwarenzi yavo. Asi ko kana isiri emergency? Dzimwe nzvimbo dzekuchengetedza nekukurumidzira uye makiriniki ekufamba-famba vane mvumo yekudzora varwere kubva kune asiri-emergency services kana vasingakwanise kuibhadhara. Zvisinei, zvakakosha zvikuru kuisa pamberi pehutano hwako pamusoro pehomwe yako. Kune nzira dzakawanda dzekuwana dzakaderera-mutengo kana mahara nzvimbo dzehutano uye kudzikisirwa (kana kusununguka) majekiseni nemishonga.
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Mari yehutano (uye maitiro ekuchengetedza pasina inishuwarenzi)
Iine kana isina inishuwarenzi yehutano kufukidzwa, hutano hutano hune mutengo unodhura wechando. Kushanya kwekutanga nemubatsiri wezvehutano kunogona kuita $ 70- $ 250. Ipapo, iwe une bvunzo dzekuongorora dzinogona kubva pamadhora gumi nemashanu pakuongororwa kweropa kusvika pamadhora mazana mana nemakumi masere eiyo ultrasound. Kana iwe uine kukuvara kuri pakati nepakati kana kurwara, unogona kuenda kukiriniki yekukurumidzira. Izvo zvinodhura murwere asina kuvimbiswa $ 100- $ 200. Kushanya kwekamuri rekukurumidzira kunogona kukonzera mubhadharo wechipatara wemadhora zviuru zvitatu kana kudarika.
Iyi mitengo haifanire kutyisidzira chero munhu kunze kwekutsvaga rubatsiro, zvakadaro. Kune nzira dzekudzoserwa mari, kudzikisira, kana mahara ehutano mabasa. Iwe unongoda kuziva sarudzo dzaunowana kwauri. Shandisa zviwanikwa pazasi kuti uwane rubatsiro nemari yehutano.
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Kuchengetedza mishonga
Waizviziva here, mishonga yako inogona kudhura isina inishuwarenzi ? Inenge kota ( 2. 3% ) yemitemo inodhura zvakanyanya neinishuwarenzi kupfuura pasina iyo. Uye zvakare, kune nzira dzakawanda dzekuwana iwo wakaderera mutengo pasina inishuwarenzi, kusanganisira mapurogiramu ekuchengetedza mishonga, makoni ekugadzira, uye makadhi ekudzora akanyorwa. Bhurawuza anotevera magwara kutsvaga nzira nyowani dzekuchengetedza pamushonga - hapana inishuwarenzi inodiwa.
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Kutsvaga inodhura inishuwarenzi yehutano chirongwa
Kunyangwe paine nzira dzekuchengetedza pasina inishuwarenzi, kuwana mukana wehutano kunogona kuve nyore ne kufukidza. Medicaid uye CHIP ndiwo marongero ehutano anodhura muUS Federal uye hurumende hurumende dzinobhadhara zvese zviri zviviri. Medicaid inowanikwa-mari. Mari yemari yekukodzera kuwana Medicaid inosiyana kubva kudunhu kuenda kudunhu. Kana mari yako yawandisa zvakanyanya kuMedicaid, unogona kufukidza vana vako neCHIP. Vakadzi vane nhumbu vanogona zvakare kuvharwa neCIP mune mamwe matunhu. Zvakare, ramba uchifunga kuti kunyangwe maprimiyamu kana zvakabviswa zvingaite sezvakakwira pazvirongwa zvemusika, vanogona kuramba vachikuchengetera mari mukufamba kwenguva kana iwe uchifananidza yako copay nemabasa ehutano asina inishuwarenzi.
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Zvishandiso
Heano zvimwe zvekuwedzera zviwanikwa zvekukurumidza-kurapa zvinodhura zvehutano:
