Kunzwisisa bhiri rako rechipatara

Kana iwe wanga uri muchipatara, iwe uchagashira bhiri rinonyora mhosva. Zvikwereti zvemuchipatara zvinogona kuomarara uye kuvhiringidza Kunyangwe zvingaratidzika kunge zvakaoma kuita, iwe unofanirwa kutarisisa bhiri uye wobvunza mibvunzo kana iwe ukaona chimwe chinhu chausinganzwisise.

Heano mamwe matipi ekuverenga yako yechipatara bhiri uye mazano ezvekuita kana iwe ukawana kukanganisa. Kutarisa zvakanyanya pabhiri rako kunogona kukubatsira kuchengetedza mari.

Bhiri rechipatara rinonyora zvikwereti zvikuru kubva kushanyo yako. Iyo inonyora masevhisi awakatambira (senge maitiro nemaedzo), pamwe nemishonga uye zvekushandisa. Yakawanda yenguva, iwe unozowana yakaparadzaniswa bhiri yemutarisiri wehutano mubhadharo. Ipfungwa yakanaka kukumbira chikwereti chakati wandei nechipatara nemitero yese inotsanangurwa zvakasiyana. Izvo zvinogona kukubatsira iwe kuona kuti bhiri iri rakarurama.

Kana iwe uine inishuwarenzi, unogona zvakare kuwana fomu kubva kukambani yeinishuwarenzi, inonzi Tsananguro yeZvibatsiro (EOB). Iyi haisi bhiri. Inotsanangura kuti:

• Chii chinovharwa neinishuwarenzi yako
• Mari yekubhadhara yakaitwa uye kunaani
• Zvinobviswa kana mari yekusimbiswa

Iyo inobviswa ndiyo huwandu hwemari iwe yaunofanirwa kubhadhara gore rega rega kuvhara yako ekurapa ekushandisa mari usati yako inishuwarenzi mutemo watanga kubhadhara. Coinsurance ndiyo mari yaunobhadhara pakurapwa mushure mekunge wasangana neinishuwarenzi yako yehutano yakabviswa. Inowanzopihwa sepesenti.

Mashoko aya ari paEOB anofanira kufanana nemari yako yechipatara. Kana zvikasadaro, kana paine chimwe chinhu chausinganzwisise, fonera yako inishuwarenzi kambani.

Zvikanganiso pabhiri rako rekurapa zvinogona kukudyira mari. Saka zvakakodzera nguva yekutarisa bhiri rako. Tarisa zvinhu zvinotevera nokungwarira:

• Mazuva uye kuwanda kwemazuva. Tarisa uone kuti mazuva ari mubhiri anoenderana here pawanga uri muchipatara. Kana iwe wakabvumirwa pakati pehusiku, ita shuwa kuti mhosva dzinotanga musi iwoyo. Kana iwe ukaburitswa mangwanani, tarisa kuti iwe haubhadhariswe muyero wakazara wezuva nezuva mukamuri.
• Kukanganisa kwenhamba. Kana mubhadharo uchiita kunge wakanyanya kukwirira, tarisa kuti hapana mamwe mazero akawedzerwa mushure mehuwandu (semuenzaniso, chiuru nemazana mashanu pane zana nemakumi mashanu).
• Mhosva mbiri. Ita shuwa kuti haubhadhariswe kaviri kune imwechete sevhisi, mushonga, kana zvigadzirwa.
• Mishonga inobhadharisa. Kana iwe ukauya nemishonga yako kubva kumba, tarisa kuti hauna kubhadhariswa here. Kana mupi akarayira generic drug, ita shuwa kuti hauna kubhadharirwa iyo brand-zita vhezheni.
• Mhosva dzezvinhu zvekushandisa. Mubvunzo kubhadharisa zvinhu zvakaita semagurovhosi, majasi, kana machira. Ivo vanofanirwa kuve chikamu chemari yakawanda yechipatara.
• Mari dzekuverenga bvunzo kana kuongorora. Iwe unofanirwa kubhadhariswa kamwe chete, kunze kwekunge wawana rwechipiri pfungwa.
• Kukanzurwa basa kana mishonga. Dzimwe nguva, mupi anorayira bvunzo, maitiro, kana mishonga iyo inokanzurwa gare gare. Tarisa uone kuti zvinhu izvi hazvisi pane yako bhiri.

Kana iwe ukavhiyiwa kana imwe nzira, zvinobatsira kuziva kana chipatara chako chibhadharisa mutengo wakanaka. Kune mamwe mawebhusaiti aunogona kushandisa kuti akubatsire iwe kuwana iyi ruzivo. Ivo vanoshandisa yenyika dhatabhesi yemabhadharo ezvekurapa masevhisi. Iwe unopinda zita remaitiro uye zip yako kodhi kuti uwane avhareji kana mutengo unofungidzirwa munharaunda yako.

• Healthcare Bluebook - www.healthcarebluebook.com
• FAIR Hutano - www.fairhealth.org

Kana mari iri pachikwereti chako iri pamusoro pemutengo wakaringana kana kukwirira kupfuura unobhadharisa zvimwe zvipatara, unogona kushandisa ruzivo kukumbira mari yepasi.

Kana iwe usinganzwisise muripo pabhiri rako, zvipatara zvakawanda zvine vanachipangamazano vezvemari kuti vakubatsire nemari yako. Ivo vanogona kubatsira kutsanangura bhiri iri mumutauro wakajeka. Kana iwe ukawana kukanganisa, bvunza iyo department yekubhadhara kuti igadzirise iko kukanganisa. Chengeta zvinyorwa zvezuva uye nguva yawakafonera, zita remunhu wawakataura naye, uye zvawakaudzwa.

Kana iwe ukawana kukanganisa uye usingafunge kuti uri kuwana rubatsiro rwaunoda, funga nezve kuhaya mutsigiri wekubhadhara-chekurapa. Vamiriri vanobhadharisa mubhadharo weawa imwe chete kana muzana yemari yaunochengetedza semhedzisiro yeongororo yavo.

Kana usingakwanise kubhadhara bhiri yako zvizere usati wasvika musi wakatarwa, unogona kuita sarudzo. Kumbira dhipatimendi rekubhadhara kuchipatara kana uchikwanisa:

• Tora dhisikaundi kana iwe uchibhadhara iyo yakazara mari mumari
• Gadzira chirongwa chekubhadhara
• Wana rubatsiro rwemari kubva kuchipatara

American Academy yeMhuri Vanachiremba Mhuri webhusaiti. Kunzwisisa ako ekurapa zvikwereti. familydoctor.org/kunzwisisa-your-medical-bills. Yakagadziridzwa Chikunguru 9, 2020. Yakasvika munaNovember 2, 2020.

American Hospital Association webhusaiti. Kudzivisa kushamisika mumabhiri ako ekurapa. www.aha.org/guidesreports/2018-11-01-avoiding-surprises-your-medical-bills. Yakagadziridzwa Mbudzi 1, 2018. Yakasvika munaNovember 2, 2020.

YEMAHARA Hutano Mutengi webhusaiti. Maitiro ekudzokorora yako yekurapa bhiri. www.fairhealthconsumer.org/insurance-basics/your-bill/how-to-review-your-medical-bill. Yakasvika munaNovember 2, 2020.

• Inishuwarenzi yehutano