Dzimwe nguva Unokunda, uye Urongwa Hwehutano Hwako Huri Kubhadhara Zvose kana Chikamu Chekuda Kwako
Iwe unogona kupikisana nehutano hwehutano inshumo inoramba kana iwe ukashandisa kurapwa. Nenzira yakanaka, migwagwa inowanika mukukakavara kuda kuzviramba, kusanganisira kuwana rubatsiro kubva kuhurumende mune dzimwe nyika.
Zvinowanzofanirwa kurwisana nekuramba kwako. Dzimwe nguva mubhadhadzi wako achazvipira uye achabhadhara kuda kwako kuti arege kubhadhara mari yekutonga.
Dzimwe nguva mhirizhonga yako ichafukura nekudzosa chikanganiso iyo inshuwarisi yaita. Uye kazhinji kusanganiswa kwezviviri kuchaita kuti pave nehomwe yebhadharo.
Kudzivirira
Nzira yakanakisisa yekudzivisa dambudziko rekutaura ndeyekudzivisa kukakavara munzvimbo yekutanga.
Izvi zvinotora basa shomanana pane iwe: Unofanirwa kuverenga hurongwa hwako uye unonzwisisa zvaunofunga - uye hauna kuvhara - usati wawana kurapwa. Chengetedza zvakananga kumitemo uye mishonga inoda kutanga kugamuchirwa kubva kune wako inshuwarisi. Kana ukakundikana kuwana mvumo yapakutanga, kutarisira kwako hakugone kuvharwa.
Taurira chiremba wako pamusoro pezvakafukidzwa pasi pehurongwa hwako uye edza kuva nechokwadi chokuti anoziva kana kugamuchirwa kwaidiwa. Chiremba wako anoshanda nevarwere vazhinji uye makambani ehutano inshuwarisi, saka haukwanisi kutarisira kuti achave achiziva saurongwa hwehutano hwako sezvaanoita nenyaya yako yezvechiremba.
Kana iwe wakanyoresa muPPO kana HMO ita nechokwadi kuti unonzwisisa hurongwa hwerongwa hwehutano hwako nezvekushandisa mitambo yevashandi.
Kana iwe uri muHMO haugoni kuvharwa chero hupi hupi hwehutano hwakabatanidzwa kunze kweHMO network kunze kwekunge iwe uchida rumwe rudzi rwehutano husingawanikwi mumutambo. Iwe unofanirwa kutora mvumo yekutanga kubva kune HMO pamabasa akadaro. Izvo zvinoenderana nePPO yako, iwe unogona kunge unogona kuenda kunze-ye-network, asi iwe uchava nezvakawanda zvekunze kwemari .
Kana pane chimwe chinhu chiri muhutano hwako chausingazivi, dana nhepfenyuro yako yebasa rehutano hwemagetsi uye kumbira tsanangudzo.
Kana uchinge waisa chiremba kana wakakumbira kubvumidzwa kwekurapa kwekurapa, chengeta zvese zvinyorwa - zvipo zvekupa, kutsanangurwa kwezvikomborero zvinowanikwa kubva kune wako inshuwarisi uye mamwe mamwe mabhiiyo - mune faira kana pepa-akabatanidzwa pamwechete, saka iwe unogona kuzviongorora pakarepo kana zvichidiwa.
Kana Kuda Kwako Kuchipera
Tanga nekuongorora mapepa ako faira. Zvadaro sidza rondedzero yako yehutano hwemutengi. Kazhinji, kukanganisa kunokonzerwa kunogona kushandiswa pane iyi. Iva nechokwadi chekutora manotsi pahurukuro dzose dzefoni, kusanganisira zuva uye nguva yekudanwa, mazita evanhu vamunotaura navo uye zvakakurukurwa.
Kurwisana Kwemutemo
Kana kutaura nemumiririri wevashandi vasingashandisi, haufaniri kuenderera mberi kuchikwata chakanyorwa chakanyorwa.
Inishuwarenzi yako ichajekesa mapepa yako chirongwa chehutano chinoda kuti iwe uise. Unogona kutarisira kugovera huwandu hune ruzivo rwekunyora, kusanganisira mapepa emitemo, zita rako rehutano wehutano, kero uye nhamba yefoni, uye chirevo chechiremba wako pamusoro pekuti nei kurapa kwako kwakanga kuri kana kuti kuchadiwa.
Zvizhinji zvehutano zvirongwa zvine matanho akawanda mubato rekukumbira. Kana kukwidza kwako kwekutanga kuchibvumirwa, iwe unogona kunge uine zvimwe zvikumbiro zvinowanikwa. Zvose zvikumbiro zvinofanira kufanirwa mubhuku raibatsiro rawakagamuchira kubva kurongwa hwako hwehutano.
Independent Reviews
Munyika dzakawanda, unogona kubvunza ofisi yako yehurumende inshuwarisi komisheni kuti uite chiongorori chakazvimiririra chekukakavadzana kwako. Iyi danho inowanzotorwa mushure mekunge maenda kuburikidza nehutano hwemukati hwehutano hwekutanga hwehutano.
Kuti uwane ruzivo rwokuzvimirira, chengetedza bhurocha rako rehutano hwehutano (dzimwe nguva rinonzi "Uchapupu hweKubatsira"), iyo mune dzimwe nyika inodiwa kuzivisa nhengo dzehutano hwehutano pamusoro pezvingororo zvekutsvaga kunze kwerongwa hwehutano.
Imwe inokosha inoshandiswa ndeyehurumende yehurumende yehu inshumo kana sangano.
Kurambidza
Zvimwe zvirongwa zvehutano zvinopa kubvumirana, umo mumwe munhu akazvimiririra anoongorora kukakavadzana uye anokurudzira mugumisiro. Pasinei nokuti kutonga kwomubvumirano kunosunga kunobva mune zvehurumende uye chirongwa chehutano.
Kana kukakavadzana kunoitwa pasi peurongwa hwehutano-hunopa hutano, mutemo wezvematongerwo enyika unoti haugone kupiwa mhosva yekuushandisa.
Iva Akarongeka uye Unoramba
Kana uine ruzivo rwakawanda, iwe unowanzoita kuti uwane kukumbira kwekuramba kwekukumbira. Gadzira pepa pepa nekuchengeta zvinotevera:
- your health insurance policy
- makopi ekunyora tsamba kubva kurongwa hwehutano hwako
- makopi emakambani pakati pako neurongwa hwehutano hwako, kana pakati pehupi hwehutano hwako (zvakadai sachiremba wako, chipatara, kana lab) uye urongwa hwako hwehutano
- tsanangudzo dzakawanda dzekutaurirana neurongwa hwehutano hwako
- makopi emakambani nehurumende yehurumende yemishuwarenzi
Kana ukawana inshuwarhu yako yehutano kuburikidza nemushandirwi wako, unofanira kukurukura mamiriro ako ekutaura nemakambani ako emakambani, avo vanogona kunge vane humwe hutano neurongwa hwehutano hwako.
More Information
Kaiser Family Foundation inopa rudimbu rwekuongorora kwekunze kwenyika imwe neimwe.
Iwe unogona kuwanawo mamwe mashoko kubva kuhurumende yehutano yehutano inshumo.
Nyaya iyi yakabatanidzwa naDavid Fisher, munyori wekuzvipira ari muBend, Ore. Mukuwedzera pakunyora nekugadzirisa, akashanda semubatsiri wezvemari uye akachengetedza inshuwarisi mvumo mune dzimwe nyika.