Funga Inishuwarenzi yehutano haizobhadhara kurapwa kwekushandira? Zvakaipa. Inishuwarenzi yehutano ichabhadhara nokuda kwekuvhiyiwa kwakasarudzwa. Zvechokwadi, ruzhinji rwekuvhiya hunoitwa muUnited States kusarudzwa kwekuita; zhinji inobhadharwa, kunyanya muchikamu, nehutano inshuwarisi. Kunyange Medicare uye Medicaid inobhadhara chirongwa chekuvhiya.
Kubata ndeyekuti zvirongwa zvehutano zvakawanda zvinongobhadharwa nokuda kwekuvhiya kwakasarudzwa iyo inoda kurapa , uye wako wehutano wehutano maonero ezvakakosha mune zvemishonga zvinogona kusiyana nemafungiro ako anoita chiremba.
Chikonzero nei Kusarudzwa Kwekushandiswa Kwekuvhara Nharo Inopesana Vanhu
Vanhu vanofunga kuti inshuwarisi yehutano haigoni kubhadhara nokuda kwekuvhiyiwa kwakasarudzwa nokuti inopesana neshoko rokuti "kusarudza" neshoko rokuti "kwete kudiwa mune zvemishonga." Havasi chinhu chimwe chete.
Kuvhiyiwa kusarudzwa inzira yekuvhiya iwe ungasarudza kuva nayo, kana kusarudza ( kusarudzwa ) kuti urege kuva. Zvimwe zvekuvhiya kusarudzwa zvinodiwa nemishonga; vamwe havazi.
Chirongwa chega chega chehutano chichange chine tsanangudzo yakasiyana-siyana yemishonga inokosha. Zvisinei, kazhinji, chirongwa chekuvhiya chinodiwa:
- Anobata kana anoongorora chirwere, kukuvadzwa, kuora mwoyo, zvirwere, kana zviratidzo zvakadai sekurwadziwa kwakanyanya.
- Zvinogona kudiwa kuti muviri wako uite nenzira iyo inofanirwa kushanda, kana kuti pedyo nezvo zvichiita.
Mienzaniso yekuvhiya kusarudzwa uye Kurapa Kunoda Kurapa
- Kusarudzwa neMuviri Kunokosha . Iwe une mhemberero yakaoma arthritis . Wakaedza kurapa kwakadai sekujowa majojo, kwete-steroidal anti-inflammatory drugs, uye kunyange wakarashika humwe uremu. Iwe unonetseka kukwira uye pasi pasi pamberi pebereki matanho. Chiremba wako wemakumbo anotaura kuti iwe unoda kugadziridzwa nemabvi . Iwe unoronga kuvhiyiwa kweSeptember inouya nokuti vazukuru vako vari kuuya kuzoshanyira pamusoro pezhizha uye iwe hausi kuda kuve nekudzoka panguva yekushanya kwavo.
Kuvhiyiwa kunobatsira mishonga nokuti iwe unofanirwa nayo kubvumira mabvi ako kushanda zvakasimba sezvinobvira nenzira iyo inofanirwa kushanda. Kuvhiyiwa kunosarudza nokuti iwe unogona kusarudza kunonoka kusvika munaSeptember, sarudza kuva nayo vhiki inouya kana kusarudza kuzvirasa zvachose uye kungovhiringidza chete uye uchirwadziwa. Zvizhinji zvirongwa zvehutano zvinogona kuvhara chirongwa ichi.
- Kwete-Kusarura & NezveMutemo Kunodikanwa. Iwe unopfurwa mumutsipa mukukanganisa kwekuvhima. Iwe uri kurasikirwa nehuwandu hweropa uye uri nechinetso chekuchengetedza kufamba kwako. Iwe unotorwa ne helicopter kune nzvimbo inoshungurudza iyo iwe unokurumidza kuenda kuvhiya.
Kuvhiyiwa kwekukurumidzira kwakanga kusiri kusarudza. Dai wainge wasarudza kurega kuvhiyiwa, iwe ungadai wakafa-nokukurumidza. Kuvhiyiwa kwaisazogadziriswa. Zvechokwadi, iwe wakanga uine mukana wekuti wakatoita kuimba yekushandira iri mupenyu. Kuvhiya kwaiva kwakakodzera kurapa kuvhara ropa, kuchengetedza nzira yako yemhepo, uye kugadzirisa kukanganisa kwakakonzerwa nehuti bhiza. Zvizhinji zvehutano zvirongwa zvinogona kuvhara chirongwa ichi, kunyange, zvichienderana nemamiriro ezvinhu epakona, pangadaro kunewo mubvunzo wemhosva yemutokari.
- Kusarudza Asi Kwete Mishonga Kunokosha . Uri kuona zviratidzo zvekwegura uye haunzwi zvakanaka pamusoro pezvaunotarisa. Wakaedza Botox uye dermal fillers , asi iwe unonzwa sokuti unogona kutarisa zviri nani. Chiremba wechiremba wepurasitiki anoratidza kuti kuzadza chiso chakakwana ndiyo chete nzira inogona kuita kuti uite zvaunoda. Iwe unoronga iyo kwemwedzi unotevera.
The facelift haisi yomuviri inokosha nokuti chiso chako chinoshanda zvakanaka. Iwe unogona kuvhara nekuzarura maziso ako zvakanaka, kuwana zvokudya mumuromo mako, uye ugare uri ipapo. The facelift inosarudza nokuti unogona kusarudza kuva nayo kana kusarudza kusava nayo. Zvizhinji zvirongwa zvehutano zvinoramba kuvhiyiwa uku. Iwe unogona kunge uchifanira kubhadhara iwe pachako.
Zvizhinji zvirongwa zvehutano zvicharatidza kuvhiyiwa kusarudzwa kunotarisirwa nemishonga chero bedzi iwe uchitevera mirairo yehutano yehutano hwekurapa. Kana hurongwa hwako hwehutano hunoda chibvumirano chekutanga , chiwana. Kana chirongwa chako cheutano chinoda kuti iwe ushandise mu-network network , ita saizvozvo. Kana hurongwa hwako hwehutano husingabvumirani kuti kurapwa kwako kunoda kurapa, hazvibviri kuribhadhara.
Kunyangwe apo chirongwa cheutano chinosangana nekuvhiyiwa kwekuita, inowanzobhadhara 100% yemari. Nzira yekuvhiya yakasarudzwa yaizoiswa pasi peurongwa hwehutano hwekugovana-kugovana , kuitira kuti iwe unogona kubhadhara deductible kana coinsurance .
Grey Areas
Dzimwe nguva chirongwa chehutano chinogona kuvhara kurapwa kwevasarudzo kunyange zvazvo isiri inyanzvi yemishonga inokosha. Somuenzaniso, inishuwarenzi yakawanda yehutano inobatanidza kudzoka kwemazamu kana kuvepa mazamu ekuvhiya mushure mekuita mastectomy yekenza yemucheche. Zvizhinji zvehutano zvirongwa zvinobata kupora sterilization se tubal ligation uye vasectomy.
Dzimwe nguva unofunga kuti chirongwa chinotarisirwa nemishonga, asi hutano hwehutano hwekambani yehutano hunodikanwa muongorori unofanirana. Mune zviitiko izvi, iwe une kodzero yekupa mhosva chisarudzo ichocho.
Iye zvino zvaunoziva inshuwarhu yehutano inobhadhara kurapwa kwekusarudza, ona zvimwe zvisiri izvo iwe unayo pamusoro pehutano inshuwarisi.