Maitiro ekusarudza chirongwa chehutano

Kana zvasvika pakutora inishuwarenzi yehutano, iwe unogona kuve uine inopfuura imwe sarudzo. Vazhinji vashandirwi vanopa zvinopfuura chirongwa chimwe. Kana iwe uri kutenga kubva kune Inishuwarenzi Inishuwarenzi Pamusika, iwe unogona kuve nezvakawanda zvirongwa zvekusarudza kubva. Unoziva sei zvekusarudza? Mazhinji zvirongwa zvehutano zvine zvakafanana zvinhu.

Iri gwaro rinogona kukubatsira kuti unzwisise maitiro ekuenzanisa zvaunogona kuita, kuti uwane masevhisi aunoda pamutengo unoenderana nebhajeti rako.

Nepo marongero mazhinji aine akawanda akafanana maficha, pane misiyano iwe yaunofanirwa kuziva nezvayo.

Zvikwereti. Iyi ndiyo mari yaunobhadhara yeinishuwarenzi yehutano. Unogona kuibhadhara pamwedzi, pamakota, kana kamwe chete pagore. Iwe unofanirwa kuibhadhara zvisinei kuti ndeapi masevhisi aunoshandisa. Waunoshandira anozotora ako maprimiyamu kubva pamubhadharo wako. Unogona kuvabhadhara iwe pachako.

Kunze-kwe-muhomwe mari. Izvi zvinosanganisira macopayments (copays), zvakabviswa, uye co-inishuwarenzi. Iyi ndiyo mari yaunobhadhara kunze-kwehomwe kune mamwe masevhisi. Chirongwa chako chehutano chinobhadhara chasara. Unogona kufanira kubhadhara imwe mari muhomwe chirongwa chako chezvehutano chisati chatanga kubhadhara mari yekutarisirwa kwako.

Kubatsirwa. Aya ndiwo mabasa ehutano akavharidzirwa nechirongwa. Kutenda shanduko yezvehutano, mazhinji marongero anofanira ikozvino kufukidza iwo mamwe masevhisi ekutanga. Izvi zvinosanganisira kuchengetedza kwekudzivirira, kuchengetwa muchipatara, kuchengetwa kwevabereki, kuchengetwa kwehutano hwepfungwa, bvunzo bvunzo, uye mishonga yemishonga. Mamwe masevhisi akaita sechiropractic, mazino, kana kutarisirwa kwekutarisa zvinogona kunge zvisina kuvharwa zvizere. Zvakare, mamwe marongero anovhara chete mamwe madhiragi ekurapa, kana kuchaja akasiyana macopay.

Provider network. Zvirongwa zvakawanda zvine network yekupa. Vaya vanopa vane zvibvumirano nehurongwa. Ivo vanopa masevhisi emutengo wakatarwa. Mari dzako dzekunze-dzehomwe dzakaderera kana iwe ukashandisa vanopa netiweki.

Rusununguko rwekusarudza. Zvimwe zvirongwa zvinokupa rusununguko rwekugadzana nevamwe vanopa. Nezvimwe zvirongwa, iwe unofanirwa kuwana kutumira kubva kuna chiremba wako wekutanga wekutanga kuti uone nyanzvi. Zvirongwa zvakawanda zvakare zvinokupa iwe sarudzo yekushandisa kunze-kwe-network vanopa, asi nemutengo wakakwira. Ramba uchifunga kuti maprimiyamu uye kunze-kwehomwe mari zvakare inogona kuve yakakwira muzvirongwa zvinokutendera kuti uone vekunze-ve-network vanopa.

Mapepa. Kune zvimwe zvirongwa, ungangoda kuisa zvirevo. Kana iwe uine account yekuchengetedza zvekurapa yemari yekubuda muhomwe, ungangoda kuteedzera yako chiyero. Iwe zvakare ungangoda kuita mamwe mapepa ezvemitero.

Vashandirwi nenzvimbo dzehurumende, senge Musika, zvinopa ruzivo rwechirongwa chega chega. Iwe unogona kupihwa kabhuku kanofananidza zvese zvaunosarudza. Iwe unogona zvakare kukwanisa kuenzanisa zvirongwa online. Paunenge uchiongorora chirongwa chega chega:

• Wedzera mari yemaprimiyamu egore.
• Funga nezve mangani masevhisi iwe nemhuri yako yaunogona kushandisa mugore. Wedzera izvo izvo yako yekunze-kwehomwe-mari inogona kunge iri yega yega sevhisi. Tarisa huwandu hwemari yaunofanira kubhadhara kune yega chirongwa. Iwe haungatombosvika kune yakakwira kana iwe ukashandisa mashoma masevhisi.
• Tarisa uone kana vako vanopa uye zvipatara zviri muurongwa network. Kana zvisiri, ona kuti yakawanda sei yaunoda kubhadhara kuti uone wekunze-kwe-network mupi. Zvekare tsvaga kana iwe uchida kuendeswa.
• Tarisa uone kana iwe uchizovharwa kune akakosha masevhisi iwe aungade, senge mazino kana kuona chiratidzo. Ita shuwa kuti chero mishonga yemishonga inovharwa nehurongwa hwako.
• Wedzera mari yako yepamberi, yako yekubuda muhomwe, mutengo wezvaunyorerwa, uye chero mari yekuwedzera kuti uwane yakazara yegore.
• Ona kuti yakawanda sei mapepa uye yekuzvibata-manejimendi inouya neyako chirongwa. Funga nezve inguva yakawanda sei uye kufarira kwauinako mukugadzirisa aya mabasa.
• Tsvaga kana paine zvakakosha zvidzikiso kune yako yemuno jimu kana uremu chirongwa, kana zvimwe zvehutano zvirongwa zvaungade kushandisa.

Kutora nguva yekuenda pamusoro pezvaunogona kuita uye kuenzanisa mutengo wakakodzera kuti uve nechokwadi chekuti wawana chirongwa chehutano chinokodzera zvaunoda uye chikwama chako.

Healthcare.gov webhusaiti. Kugamuchirwa kuchirongwa chekuwana. Finder.healthcare.gov. Yakasvika Gumiguru 27, 2020.

Healthcare.gov webhusaiti. Ungasarudza sei hurongwa hweinishuwarenzi yehutano: 3 zvinhu zvekuziva usati watora chirongwa cheinishuwarenzi chehutano. www.pautano-s.gov/choose-a-plan. Yakasvika Gumiguru 27, 2020.

Healthcare.gov webhusaiti. Kunzwisisa mari yeinishuwarenzi mari kunoita sarudzo dzakanaka. www.utano-news.gov/blog/understanding-health-care-costs/. Yakagadziridzwa Chikunguru 28,2016. Yakasvika Gumiguru 27, 2020.

• Inishuwarenzi yehutano