Kunzwisisa Zvikonzero Zvinoita Kuti Utano Hwehutano Uve Wakazvidza Kutamba
Apo chiremba wako anokurudzira kuedza, mishonga, kana nzira uye hutano hwako hutano huchabhadhara nekuda kwayo, zvinogona kutyisa. Kana pane imwe nzira yekuedza, mishonga, kana nzira inoshanda uye hurongwa hwako hwehutano huchafukidza, zvino mamiriro ezvinhu aya anongova kushungurudza kunogumbura. Asi, kana kuedza, mishonga, kana chirongwa ndicho chinhu bedzi chinoshanda, mamiriro ezvinhu anogona kuisa upenyu pangozi.
Kana izvi zvichitsvaga kana kusati kwapiwa mvumo yekubvumirwa kune iwe, zvinowanzoshatirwa uye zvinoda kurwisana nekuramba. Zvisinei, usati washandisa simba rako pahondo iyi, tanga waona kuti unoziva chaizvo zvakaitika uye nei chirongwa chako chehutano chisingabhadhari.
Paunenge uchitsvakurudza chikonzero chekuramba kurambidzwa kana kukaramba kwechikumbiro chako chekugadza, unowana ruzivo runokosha pamusoro pemitemo yekurapa kwehutano hwako hwehutano, uyewo kuti sei inshuwarisi yehutano yehutano "inofunga." Iwe uchava mumwe murwi ane unyanzvi kana kukwikwidza nekambani yehutano inshuwarheni inenge ichidiwa.
Zvikonzero Zvako Utano Inishuwarenzi Haingabhadhari Kutarisira Kwaunoita Chiremba Unoti Unoda
1. Chii chaunoda hachisi rubatsiro rwakapetwa rwerongwa hwako hwehutano.
Kana hurongwa hwako hwehutano huri kukwidza kuda kwako kana kuramba chikumbiro chako chekugadza chikonzero chechikonzero ichi, zvinonyanya kutaura kuti hurongwa hwako hahudzivirire kuedza uku, kurapwa, kana chirwere pasinei nokuti mamiriro acho akadini.
Muchengetedzi wako anofanira kuziva zvakanakira zvinangwa zvako uye izvo zvisina kuvharwa, asi dzimwe nguva yako inshuwarisi haina kunaka . Tarisa hurongwa hwako zvakanyatsonaka. Kana uine inshuwarano yehutano iri kuburikidza nebasa rako, tarisa nevashandi vako vanobatsirwa nehofisi kuti uone kana iwe chaizvoizvo uine kugoverwa kwebasa rako utano hwehutano hunoti hauna kuvharwa.
MuUnited States, mapoka maduku uye zvirongwa zvehutano zvino iye zvino anofanira kuvhara zvikwereti zvinokosha zvehutano, asi mapoka makuru eboka-based plans uye zvirongwa zvakakura hazvifanirwi kupa mharidzo yakafanana.
Kana iwe uchinzwa iwe uri kurambidzwa kubatsirwe kugoverwa kwepurogiramu yako inoti iwe chaizvoizvo une, tevera maitiro ekutsvaga bhurocha rako rerongwa hwehutano rinotsanangura. Uyewo, bvunza rubatsiro rwemushandi wako anobatsirwa nehofisi kana kugoverwa kwako kune basa-based, kana kuti hurumende yako inishuwarenzi kana inshuwarisi yako isiri basa-based.
2. Une hutano kubva kune-kunze-network-mupiro apo hurongwa hwehutano hwehutano hwakagumira kune-network network providers.
Kana uine HMO kana EPO , ine zvishoma zvishoma, kugoverwa kwako kunogumira kune -network network providers kuti hurongwa hwako hwehutano huine kambani. Inishuwarenzi yako yehutano haingabhadhari kana ukashandisa kunze kwe-network.
Kana urikukumbira kubvumirwa kusati kwapiwa uye chikumbiro chako chekugadza chibvumirano chakarambidzwa nekuda kwewakasarudza iwe, iwe unogona zvakare kudzorera chikumbiro kuburikidza ne-in-network provider kunze kwekubuda kwe-network.
Zvisinei, kana iwe wakatotora kutarisirwa uye chirongwa chako chehutano hachizobhadhari kuda kwako nokuti wakabuda kunze-we-network, iwe uchange uine kurwisana kwakaoma pamaoko ako.
Iwe unogona kubudirira kana uchikwanisa kuratidza kuti hapana in-network network vanogona kukwanisa kupa iyo iyo purogiramu kuitira kuti iwe uende kunze kwe-network. Iwe unogonawo kubudirira kana iwe uchigona kuratidza kuti yakanga iri dambudziko uye iwe wakaenda kumunhu anonyanya kupa anokwanisa kupa rubatsiro rwaunoda.
3. Zvirongwa zvehutano hwako hazvifungidzi kuti kuedza, kurapwa kana chirwere ndezvemutano.
Kana chikumbiro chako kana chikumbiro chako chisati chapiwa chichipiwa chiremba chikonzero chekuramba, zvinonzwika sokuti inshuwarisi yako yehutano haingabhadhari nokuti inofunga kuti haufaniri kutarisirwa nachiremba wako akakurudzira. Izvi zvingava izvo chirongwa chako chehutano chiri kutaura, asi zvingasava.
Pane zvimwe zvikonzero zvekurapa zvinoregererwa kuti hazvirevi kuti chirongwa chako chehutano chinofunga kuti kutarisirwa hakubviri. Kuti uwane izvo chaizvoizvo, chaizvoizvo, kurapa kwako kwekurapa kunoreva zvinoreva, iwe unofanira kuita zvimwe. Nhau dzakanaka ndeyekuchera kunogona kukuratidza iwe nzira yekuwana chikumbiro chako chekugadza chibvumirano chichigamuchirwa, kana kubvuma kwako kubhadharwa, kana iwe kungoita zvishoma kuti uende zvishoma.
Dzidza zvakawanda mu "Sei Utano Hwangu Hwakanaka Hwokuti Kutarisira Kwandinoda Hakusi Kunodiwa?"
4. Zvirongwa zvehutano hwako hazvizivi kuti iwe wakabatsirwa nhengo, uye zvimwe zvinosanganiswa.
Mhando iyi yemamiriro ezvinhu yakakurumbira kupfuura vanhu vakawanda vangafungidzira. Muhutano huno hwakaoma hwehutano hwemazuva ano, ruzivo pamusoro pekuparidzira kwako runofanira kufamba runobva zvakanaka kubva kune wako waunoshandira, inshuwarisi broker, kana inshuwarisi yehutano kuchinje kurongwa hwako hwehutano. Kana pane kubwinya kana kunonoka chero munzira, inogona kuonekwa sekuti iwe hauna hutano yveshuwarisi kunyange iwe uchiita.
Pakati pemitsara imwecheteyo, zvinowanzoonekwa kune vatsigiri vehutano kubuda kune imwe kambani yekurapa kutora zvisarudzo pamusoro pekuti kana kwete, kurapa, kana kuti mishonga yako ichavharwa. Muchiitiko ichi, ruzivo pamusoro pekugovera kwako runofanira kufamba runobva zvakanaka kubva kurongwa hwako hwehutano kune kuvhigiri vekodhadhi. Saizvozvowo, ruzivo pamusoro pemamiriro ako ehutano hunofanira kufamba zvakanaka kubva kuhofisi yechiremba kusvika kune chirongwa chehutano kana chirongwa chekurapa kontrakta. Chero chipi nechipi mukuderera kwemashoko aya kunogona kukonzera kubvuma kumuramba kana kuramba kwechikumbiro chako chekugadzirirwa kusati kwasvika.
Nhau dzakanaka ndeyokuti kukanganisa uku kwekutsvaga kana kusati kwapiwa mvumo kunogona kuva nyore nyore kuputsa kana iwe unonzwisisa chaicho chinetso chacho. Kuti uwane mamwe mashoko, ona " How Silly Mix-Ups Inoita Kuti Utano hweUshuwarenzi Uzvidzivirire ."
5. Chipatara chako chakange chisingatauri sechirwere chekushaya chiremba kana kutarisa.
Kana Medicare kana chirongwa chako chehutano chiri kuramba kukweretesa kugara kwechipatara, chikonzero chacho chingave nechokuita nekusawirirana pamusoro pehutano hwakanaka hwehutano hwako panzvimbo yekusawirirana pamusoro pekuti kana iwe hausi kunyatsoda kutarisirwa. Apo varwere vanoiswa muchipatara, vanogoverwa maitiro ekucherechedza kana kuti chirwere chekushaya chirwere maererano nechetano yakawanda yemitemo nemitemo.
Zvakajairika kuchipatara uye chiremba wako achibvuma kuti iwe unofanirwa kugamuchirwa kuhutachiwana, kana Medicare kana chirongwa chako chehutano chinofunga kuti unofanira kunge wakagara muchipatara mumamiriro ekucherechedza. Heino kubatwa: kana iwe ukabvumirwa kune chinzvimbo chakaipa, chirongwa chako chehutano kana Medicare inogona kuramba kubhadhara kubvumirwa kose kunyange zvazvo wako inshuwarisi anobvumirana kuti iwe unoda kuchengetwa kuchipatara chakapiwa. Icho chinhu chakafanana nehupenzi hunosvibisa.
Dzidza zvakanyanya pamusoro pekucherechedza ichi nevanenge vasina chirwere chinetso mu " Hospitalized in Observation Status? Iwe Uchabhadhara Zvimwe . "
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