Chii chinonzi njodzi inishuwarenzi yehutano?

Kambani

Inishuwarenzi yako yehutano, nekufamba kwenguva, chinhu chisinganetsi. Inogona kuchinja nekuda kwezvikonzero zvakati wandei- kungave watanga basa idzva, kana kutamisa nyika, kana chirongwa chako chekare chakamiswa, semuenzaniso. Asi chinokanganisa ndechekuti dzimwe nguva, iyo shanduko inoreva kuti haugone kukwanisa chinyakare inishuwarenzi. Neraki, pane imwe sarudzo kune vamwe vedu: njodzi inishuwarenzi yehutano.

Chii chinonzi njodzi inishuwarenzi yehutano?

Injodzi inishuwarenzi yehutano ndeyeimwe nzira yehutanoinishuwarenzi iyo inopa mashoma emergency uye kudzivirira kudzivirira kufukidza. Iwe unowanzo bhadhara yakaderera premium mukutsinhana yakanyanya yakaderedzwa madhiri. Zvirongwa izvi zvinongovhara izvo zvinodikanwa zvakanyorwa pamusoro, kuti usazowana iwo mabhenefiti akafanana newaungawana kubva kune yechinyakare, yakazara yakazara inishuwarenzi chirongwa. Zvirongwa zvine njodzi njodzi yekuchengetedza kana paitika njodzi.

Vanhu vazhinji vari kutsvaga nenjodzi kufukidza vari kuzviita nekuti vanogona kutadza kufukidzwa nguva dzose kubva kuchirongwa chikuru chekurapa, havadi kufukidzwa kubva kuchirongwa chikuru chekurapa, kana kukodzera kubatsirwa nehurumende seMedicaid kana rubatsiro kubva kune Inotengeka Kuchengeta Mutemo Pamusika.

Nezvirongwa zvine njodzi zvekuchengetedza, iwe unofanirwa kubhadhara kune yega yekurapa yemubhadharo kusvika iwe wasvika pane yako yaunobvisa nezvimwe zvisirizvo -Inenge matatu ekutanga ekushanyirwa nachiremba anofukidzwa zvizere pamwe ne 10 yakakosha hutano mabhenefiti yakatarwa neMutengo weKuchengeta Mutemo. Izvo zvinosanganisira majekiseni, kuongororwa kwegore, kumwe kuongororwa gomarara, mammograms, ambulensi services, nhumbu, kuvhiyiwa, basa remumabhawa, uye mabasa ekuvandudza. Iyo inovhara zvimwe zvirevo, asi iwe uchafanirwa kutarisa yako chirongwa formulary kuti uone kana yako iri.

Saka chii chisina kuvharwa? Chaizvoizvo zvimwe zvese, kusvikira iwe wasvika pane yako yaunobvisa. Izvi zvinoreva kuti kana iwe uchida kuona mutano wezvehutano kune chimwe chinhu, sehutachiona hushoma kana chigunwe chakatyoka, uye iwe watoshandisa kare nguva dzako nhatu, ungangobhadhara zvese zviri muhomwe. Kana iwe uchifanira kuenda kukamuri ye emergency, iwe unobhadhara iyo yakazara mutengo kudzamara wasangana neyako inobviswa. Kunze kwekunge iri imwe yeiyo shanyo nhatu kana yakafukidzwa kuchengetwa kwakakosha, iwe uri pachirauro. Mushure mekusangana neyakabviswa, kufukidzira kunorova mukati uye zvese zvakafukidzwa zvizere.

Zvirongwa zvine njodzi zvekufukidza zvinotora gore rese. Nekuti iyo yekuvhara yakanyanya kushoma usati wasangana neyako inobvisirwa, zvinowanzove zvisina kukosha kune mumwe munhu kunze kwekunge vatarisira (kana zvirinani kuva nehanya) ivo vanozove nemari hombe yekurapa gore iro. Izvo zvataurwa, zvingave zviri nani kwauri pane kusave neinishuwarenzi zvachose, saka ive shuwa yekuongorora sarudzo dzese zvizere.

Ndingaite sei kuti ndive nenjodzi yehutano inishuwarenzi?

Vazhinji vakuru vanogona kukodzera kune inishuwarenzi yehutano inishuwarenzi, asi iwe unofanirwa kusangana nemimwe mamiriro.

Zera

Kana iwe uri pasi pemakumi matatu, uye pamwe usingade kana usingakwanise kuwana Medicaid, unogona kukodzera chirongwa chine njodzi.

Dambudziko

Kana iwe uri pamusoro pemakumi matatu, iwe unofanirwa kukodzera kuregererwa kwekutambudzika. Izvi zvinoreva kuti pane mamiriro ari kunze kwekutonga kwako anomisa iwe kubva pakuwana hurongwa hukuru hwekurapa. Heano 14 zviitiko kubva kuMusika mauri iwe unokodzera iwe kubvisirwa dambudziko:

1. Kushaya pekugara
2. Kudzingwa kana kubviswa
3. Kugamuchira ziviso yekuvhara kubva kukambani yako yekushandisa
4. Mhirizhonga mudzimba
5. Rufu rwemunhu wemhuri
6. Moto, mafashama, kana imwe njodzi yakaunza kukuvara kwakanyanya kune yako imba
7. Kubhuroka
8. Chikwereti chakakura kubva pakurapwa
9. Kuwedzera kusingatarisirwi kwemari nekuti iwe uri muchengeti wemunhu anorwara, akaremara, kana nhengo yemhuri yakwegura
10. Mwana semubatiri wemutero (ndiani asingakodzere kufukidzwa neMedicaid uye CHIP), uye mumwe munhu anodikanwa nedare redare kuti ape rubatsiro rwekurapa kumwana
11. Kukodzera kubva kuchisarudzo chekukumbira kunyoreswa muchirongwa chehutano chinokwanisa (QHP) kuburikidza neMusika, kuderera kwemitengo pamitengo yako yemwedzi, kana kuderedzwa kwekugovana-mutengo kwenguva yakati iwe pausina kunyoreswa muQHP kuburikidza neMusika.
12. Nyika yako haina kuwedzera kukodzera kweMedicaid, saka hauna kukodzera
13. Kuregererwa kwemakuru einishuwarenzi zvirongwa zveinishuwarenzi hakuchina kuwanikwa muna2017 uye gare gare
14. Kumwe kuomarara, kusatorwa neizvi zvikamu

Ndeupi mutengo wepakati weinishuwarenzi yehutano yakaipa?

Pakazara, inishuwarenzi yehutano ine njodzi inowanzo kudhura kubva muhomwe kupfuura yaungabhadhara neimwe nzira, kunyangwe maprimiyamu ari akaderera pane akajairwa makuru ehutano inishuwarenzi. Heano akajairika kuputsika.

• Inobviswa : Kana iwe ukawana chakaipa kufukidzwa kuburikidza neMusika, yako inobvisirwa ye2020 iri $ 8,150 . Nhamba iyoyo inokwira gore rega rega. Kana iwe uri kutenga kufukidzwa kwepachivande, iyo nhamba inogona kunge yakaita semadhora zviuru zvitanhatu kana kutodzika-tarisa yako yega chirongwa kuve nechokwadi. Ivhareji yekuvanzika yekuvanzika inobviswa izvozvi ndizvo $ 7,148 .
• Kunze-kwe-muhomwe mari : Mari dzinobviswa uye dzekunze-muhomwe dzehurongwa hwenjodzi dzakafanana; kana uchinge wasangana nemumwe, wakasangana vese.
• Zvikwereti : Kune zvirongwa zvehutano zvine njodzi, maprimiyamu anogona kunge ari $ 100 kana kudzikira mwedzi wega. Ivo pari zvino vaenzana nezve $ 170. Enzanisa izvo nezvirongwa zvetsika zvehutano, uko iyo avhareji mwedzi wepamberi iri kutenderera mazana mana emadhora pamwedzi pamunhu uye $ 600 pamwedzi yemhuri yevana.
• Copay : MaCopays ezvirongwa zvehutano zvine njodzi zvinosiyana zvakanyanya kubva pakuronga kuronga, asi kazhinji ivo vari pamusoro pane zvaungabhadhare neinishuwarenzi yehutano.
• Mutero wemubhadharo : Injodzi yekuvhara inishuwarenzi haina kukodzera kupihwa mutero rubatsiro kudzikisa mutengo wechirongwa.

Injodzi inishuwarenzi yehutano inogona kuve sarudzo yakanaka kana iwe uri mudiki, uine hutano, uye usingade kubhadhara mari yehurongwa hukuru hwekurapa. Asi kana iwe wakura, uchida kurapwa kwakanyanya, kana kungoenda kwachiremba zvakanyanya, inogona kunge isiri sarudzo yakanakisa-uye ungatoshaya basa. Ive neshuwa yekuita yako tsvagiridzo kuti uone kuti ndeipi yakanyanya kunaka sarudzo kwauri.

Uye yeuka kuti njodzi inishuwarenzi yehutano kufukidza kunogona kusasanganisira yako mareferenzi. Asi izvi hazvireve kuti uchafanirwa kubhadhara zvakanyanya kwavari. Tsvaga yako mishonga pane singlecare.com kuti uone kuti ungachengeta zvakadii pafesi.