Kubhadharwa kunowanzoreva kugamuchira mari mubhadharo yemari yawakatotora kana mari yawakatoita. Izwi rinoshandiswa nenzira dzakasiyana-siyana mubhizimisi uye hupenyu hwehupenyu, asi ine zvinoreva zvakasiyana mune zvehutano.
Inouya kubva muchiLatin. re (zvakare) mu (mu) bursa (chikwereti) -kudzorera mari muchikwereti chako.
Vakawanda vedu tinoziva kubhadhara mari.
Tinoenda kune rimwe bhizimisi uye tinobhadhara hotera yedu uye kudya nemari yedu pachedu, zvino tumira mapeti ekubhadharisa patinodzoka kuitira kuti vatikwanise kubhadhara isu.
Healthcare Kubhadhara kune Madaktari uye Zvipatara
Vashandi vehutano vanobhadharwa nehushuwarisi kana vatengi vehurumende kuburikidza nehurongwa hwekubhadhara. Vanopa rubatsiro kuvarwere uye vozopa kubhadharwa kwemasangano aya nekambani ye inshuwarisi kana sangano rehurumende. Haasi murwere ari kubhadhara muhomwe uye kubhadharwa, ndiye chiremba ari kupa basa uye achimirira kubhadhara.
Kana iwe uchizobvunza chiremba wako pane purogiramu yemari yake, iwe waizoona zvaanowanzopa mari yebasa rake. Asi chikamu ichocho chinowanzopfuura zvakakwirira kudarika chaanobhadharwa ne insurer kana Medicare . Kana chiremba wako achibvuma inshuwarisi yako yebasa, izvo zvinoreva kuti anogamuchira mubhadharo wako wekubhadhara purogiramu.
Haatarisi kuti iwe ubhadhara zvakawanda nokuda kwemashumiro kunze kwekunge akuudza iwe izvozvi nguva isati yasvika. Kukubhadhara kwechimwe chimwe, kunze kwekuti iwe wakaziviswa nguva isati yasvika, inonzi " kuenzanisa kubhadhara " uye haisi pamutemo.
Iyi kusiyana pakati pehuwandu hwehutano hwehutano hwehutano uye izvo zvavanobhadhara ne insurer kana Medicare inokupa nzvimbo yekukurukurirana kana iwe usati uri inshurenzi yehutano iwe unoda.
Iwe unogona kutarisa tsananguro neCPT code kuti uone kuti Medicare inowedzera sei chiremba wako kana chipatara kuti uite. Imwe kambani ye inshuwarisi yega yega inofanirwa purogiramu yavo yekubhadharisa mari nevanopa mahara uye zvipatara.
Kunyangwe nehutano inshuwarheni, iwe unogona kubhadhara mari yekubhadhara kwekurapa, kana iwe unofanirwa kubhadhara muhomwe nekuda kwemitemo isati yavharwa neinishuwarenzi yako.
Vamwe vanachiremba havangatori varwere vane inshuwarisi kana Medicare hazviiti kuti vadzorere zvakare zvakakwana. Izvi zvinogona kukonzera kushayikwa kwevatapi mune dzimwe nzvimbo uye kuita kuti zvive zvakaoma kuwana daktari uyo achabvuma kugoverwa kwako.
Chirongwa chekubhadharwa kwehutano (HRA)
Utano hwekubhadharwa kwehutano (HRA) inobatsira vashandi vehutano inopiwa nevamwe vashandi muUnited States. Vanobhadhara vashandi nekuda kwemari yavo yezvemari yezvemapurisa. Havana kupiwa semhando chete asi vanofanira kunge vari chikamu cheboka rehushuwarhu hwehutano hwehutano. HRA inobhadharwa nemushandi uye mushandirwi anowana kubhadhara mutero, asi mushandi haateresi pamari semari inowanikwa. HRA inogona kuva inobatsira kana chirongwa chehutano chakakodzwa zvakanyanya , zvichibvumira vashandi kubhadharwa nezvezvinhu zvavanoshandisa vasati vawana mari yakaderedzwa.