Kuva usina kuvimbiswa kunobatanidza zvose mari yako uye utano hwako. Iwe haugoni kupedza njodzi dzose dzinobatanidza nekusavimbiswa , asi iwe unogona kuderedza vamwe vavo uye unogona kuronga kutarisira vamwe. Iri bhuku rinokubatsira kuti ugadzirire kuve usina kuvimbiswa.
Bhuku raAne Affordable Care Act rinotarisirwa kuti vanhu veAmerica vane inshuwalhu yehutano kana kubhadhara mutero wemutero kana vachipa fesheni yavo yebhadharo.
Iwe haugone kuiswa mutorongo nekuda kwekusabhadhara chikwereti, uye IRS haigone kuisa chibatanidzi pane pfuma yako kuti uitore. Zvinogona, zvisinei, zvinorega chikwereti kubva pamutero wako wemutero. Inogona kunge ine dzimwe nzira dzokukukurudzira kuti iwe ubhadhara.
Kana iwe usina kuvimbiswa, iwe unofanirwa kuve bhajeti yemutero wechibharo, gadzirira kuenda kumusoro-ne-musoro ne IRS kana iwe usingaripi, kana kuwana chikwereti kubva kune chirango chemunhu mumwe nomumwe.
Gamuchira kuregererwa . Zvinhu zvakasiyana-siyana zvinokukodzera kuti uve nehutano hwehutano inshuwarheni, uchibvumira kuti usapinda chirango kunyange iwe uchienda usina utano hwehutano inshuwarisi. Dzidza kuti ndiani akakodzera, ndezvipi zvezvinhu zvingakufanirwa iwe, uye kuti ungashandisa sei mu " Unogona Kuwana Inishuwarenzi yehutano? "
Budget yekukurumidza . Paunofamba usina inshuwalano yehutano, iwe hauna chinhu kunze kwemari yako pachako kuti uvimbe nokuda kwemari yako yezvokurapa. Kana iwe uchikwanisa kutarisa mari yekuchengetedzwa kwekukurumidza, ichave yakabatsira zvikuru kana iwe ukarwara zvakakomba kana wakakuvara.
Asi, kunyange kana iwe usingakwanise kuisa ganda guru rekukurumidzira, unenge uchinge uchitaura nezvemamiriro ekunze asina kutarisirwa zviri nani kana iwe uine mazano uye uzvigadzirire mberi. Dzidza zvakawanda kubva kuna Miriam Caldwell, Muongorori Wedu weMari Mumakore Ako Makumi makumi maviri, "Kuronga Kwekugadzirisa Kwemari."
Urongwa hwekuwana rubatsiro rweutano. Iwe ucharwara.
Iwe uchave nekukuvara. Nzira inofanirwa mberi kuti uite zvinhu izvi.
Tsvaga paunogara kupi Chirongwa Chekuita Kwemunharaunda Chako kana kuti kliniki isina, uye dzidza kuti ungashandisa sei. Dzidza kuti nzvimbo yako yekukurumidzira yekukurumidzira inokurumidza ndeyekuti iwe usati wakanamatira uchishandisa mukamuri yekukurumidzira kana dambudziko rinosvika pakupera kwevhiki. Bhijititi uye kushandisa sangano remari risina mari yekuwana mammograms gore negore, pap smear, chirwere chechirwere, uye kunyange colonoscopy paunosvika makumi mashanu. Izvi zvinogona kuchengetedza hupenyu hwako kana kudzivirira njodzi yemari; tora zvakanyanya uye uite kuti chive chinhu chinokosha.
Dzidza kuti ungataurirana sei nezvehutano hwehutano . Sezvo uchizobhadhara zvikwereti zvemishonga kunze kwehomwe, iwe unofanirwa kutaurirana nezvekutengesa mazinga kana zvichibvira. Bvunza pamusoro pezvikomborero zvekubhadhara mari isati yasvika kana iwe uchikwanise kana kana uchigadzirira chirongwa chokubhadhara kana bhiriro racho rakakura.
Kana iwe uchida zvipatara, ona kuti zvipatara zvizhinji zvine chikwata chepamusoro, chidimbu chekubhadhara mari, uye kunyange zvishoma pasi rudo. Iwe uchafanirwa kubvunza kuti rudo rukuru chii uye kuti ungachiwana sei sezvo zvipatara zvakawanda hazvingazvipiri. Kunyange kana iwe usingakodzeri, uchiziva kuti rudo rwehutano chii huchakubatsira iwe kutaurirana nekubudirira sezvo uchizoziva pasi.
Nzira Yokutaurirana Nayo Mupiro Wenyu Wehutano Zvokubhadhara
Chimbofunga zvimwe zvinoshandiswa kune inshuwarhu yehutano seSangano reDecount Medical Plan kana sangano rekugoverana kwehutano. Zvirongwa Zvokurapa Zvokurapa Zvikamu zvinopa zvikwereti zvinotanga kutaurirwa kune nhengo dzavo pamutengo wemwedzi wega wega. Vane chisarudzo kana iwe usina kunetseka kutaurirana iwe pachako kubhadhara kubhadhara. Kana iwe wakanaka pakukurukurirana, unogona kukurukura nekutengesa zviri nani iwe kupfuura DMPO inogona kutaurirana.
Utano hwekugovana kwehutano huri musangano mapoka ezvitendero zvevanhu vanobatsirana nekubhadhara zvikwereti zvemishonga. Izvi hazvisi kutarisirwa kwehutano hwakanaka.
Iwe unotarisirwa kubatsira mamwe nhengo kubhadhara zvikwereti zvekurapa sezvavari kukubatsira kubhadhara yako. Sekuwedzera rubatsiro, nhengo yako muhutano hwehutano hwekugoverana hwehutano inokukodzera iwe kuregererwa kwehutano. Dzidza zvakawanda kubva kuThe Alliance of Health Care Sharing Ministries.
Ita unhu hwakanaka hwekuita mararamiro. Nzira yako yemararamiro inosarudza kuchenesa kana kukurudzira zvinetso zvaunotora paunoenda usina utano hwehutano inshuwarisi. Kana uchida kuderedza dambudziko racho, saka nyatsoteerera nemararamiro ako ehupenyu. Inwa doro chete mukuenzanisa. Usasvuta. Usashandisa zvinodhaka zvinodhaka. Idya kudya kwakanaka. Ramba uine utano hwakanaka. Wana maitiro.
Usafurira-kurega kutarisira kuchengetedza nekuda kwekuti iwe hauna uninsured. Semuenzaniso, iwe unogona kuita chifuva chako chegore negore kuzviratidza ( kunyange iwe uri murume ) kana kuti testicular kuzviongorora uye kuwana chirwere chinoputika ku pharmacy yako yemunharaunda kana kliniki yemunharaunda. Nzira Yokuwana Nayo Dhura-Inotora Zvirwere zveVasina Kubatsira Vakuru .
Ita kuti utano hufambire mberi . Chimbofunga mamiriro ezvinhu aya: iwe hauna kuvimbiswa. Iwe hauna toni yemari mukuchengetedza. Chimwe chinhu chinotyisa chinoitika kwauri. Une njodzi; iwe une chirwere; zvichida une chirwere chaLou Gehrig. Pasinei nokuti chii chinokonzera, iwe haugone kuzvitarisira iwe uye haugone kutaurirana.
Iye zvino, munhu anonyanya kukuda anouya mumufananidzo. Zvichida mubereki, mwana mukuru, mukoma kana mudiwa. Anofanira kutarisana nedambudziko rako uye anoedza kukuendesa hutano hwaunoda kunyange iwe usina mari yakakwana yokuripa uye iwe hauna hutano hwehutano. Anogona kutarisana nehupfumi kuburikidza nokuedza kukuchengeta iwe.
Anofanirwa kuita zvisarudzo zvakaoma, hupenyu nehupenyu, pamusoro pekutarisira kwako. Anogona kutakura zvinokonzerwa nemusana pekuita zvisarudzo izvo zveupenyu hwake hwose.
Tora zvimwe zvekutora zvisarudzo kubva pamafudzi ake nekuita Advanced Directive for Health Care, kutaura pamusoro pazvo naye, uye kuve nechokwadi kuti anoziva kwairi kuchengetwa. Trisha Torrey, Muongorori Wedu pamusoro Patient Empowerment achakuratidza kuti ungaita sei izvi.