Kugovana-kudhura kunoreva kuti iwe nehutano wako wehutano unobhadhara chikamu chemari yako yekurapa mukati megore. Mushandi wako wehutano unoda kuti iwe ubhadhe chikamu chemari yemari yako yekutarisira hutano kuitira kuti usanyanya kushandisa-shanduro yehutano hwehutano, uye kuti uchengetedze mari yemishonga yehutano yehutano mukucheka (kunyange pfungwa ye 100% inopera inogona kuve yakakura, iyo ingangodaro inotungamirira kune vanhu vachitsvaga kurapwa kazhinji, uye mapeamendi aizotenderera).
Nzira dzakasiyana-siyana dzekugovana mari dzinodhura, zvinyorwa, uye coinsurance . Imari yepurogiramu yemwedzi iwe yaunobhadhara kuti uwane inshuwarano yehutano inenge isingatariswi rudzi rwekugovana-mari.
Kugovana-kudhura kunoponesa kambani yehutano inshuwarisi mari mune nzira mbiri. Chokutanga, uri kubhadhara chikamu chemutemo; sezvo uri kugovana mari iyo navo, vanobhadhara zvishoma. Chechipiri, sezvo uchibhadhara chikamu chemutemo, zvinowanzoita kuti uwane rubatsiro rwezvekurapa kana iwe uchida chaizvo.
Kugovana-Kugoverana & Izvo-kunze kwePocket Maximum
Nokuti kugovana-mari-mari kunogona kudhura kana iwe uine mari huru yekurapa, zvirongwa zvose zvehutano (kunze kwekuti ivo vakaberekerwa kana kuti vazukuru ) vanoda kuti kugovana-mari kuve nekodzero yekutengesa iyo inogadzirisa mari yekugovana mari yakawanda iwe uri mutoro wegore negore (nekuda kwekukurukurirana uku, iyo nhamba dzose dzinotaridzira hovha iri kunze kwemari yekutengesa uchifunga kuti unogamuchira kuchengetedzwa mukati mehutano hwehutano wehutano; kana iwe ukaenda panze mumutambo, wako kunze kwehomwe kukwirira kuchave kwakakwirira, kana mune dzimwe nguva, kusingagumi).
Pasati gore ra2014, pakange pasina mirairo inotungamirira kuti hurongwa hwehutano hwakanaka hunenge huri kunze kwehomwe hunogona sei-zvechokwadi, mamwe mapurogiramu haana kubvisa mari yepamusoro pese, kunyange zvazvo zvakanga zvisingawanzoitiki. Asi iyo inogadziriswa Care Care Act yakashandura iyo, uye zvirongwa zvehutano zvitsva hazvikwanise kuva nehomwe yepamusoro-pfupa inopfuura $ 6 850-kune munhu mumwe chete-muna 2016 (iyo yepamusoro yepamusoro iri kuwedzera kusvika $ 7150 muna 2017).
Mukuwedzera, kutanga muna 2016 , munhu mumwe chete haagoni kutarisirwa kubhadhara mari yakawanda kunze kweiyo-pfupa mari kupfuura munhu wese kunze kwehomwe yepamusoro gore iroro, kunyange kana iye akavharwa pasi peurongwa hwemhuri pane yeurongwa hwemunhu.
Mushure mokunge makabhadhara zvakakwana mukudzvora, zvikwereti, uye coinsurance kuti uwane huwandu hwepamusoro-pote, chirongwa chako chehutano chinomisa purogiramu yako yekugadzirisa uye inotora 100 muzana yemishonga yako yehutano yakavharwa kwegore rose, uchifunga kuti iwe ramba uchishandisa in-network zvipatara navanachiremba.
Kugovana-Kugoverana & Iko Kunogadziriswa Care Act
Inotengeswa Care Care Act yakaita huwandu hwakawanda hwokuchengetedza utano hwehutano husingabhadharwi kugoverana mari. Izvi zvinoreva zvinhu zvakadai semamera emakore akakodzera, kuongororwa kwecholesterol, uye mishonga yakawanda haisi pasi pehurukuro, zvinyorwa, kana coinsurance.
IAACA yakaitawo rubatsiro rwekugovera mari mari yekushandisa kushandisa inshuwarisi yako yehutano isingakwanisi kana iwe uine mari shoma. Kubhadhara mari-kubhadhara mari inoderedza mari yaunobhadhara muzvikwereti, copays, uye coinsurance chero nguva yaunoshandisa inshuwarisi yako. Kugovana-kugoverana kwekubhadhara kunowanzobatanidzwa mune zvigadziri zvesirivha pakutsinhanisa kana mari yako isingadariki mazana mashanu kubva muzana yehurombo huripo (nokuda kwekugoverwa kwe 2017, chikamu chemari yepamusoro chekukodzero yekugoverana mari inosvika $ 29,700 kune mumwe chete uye $ 60,750 yemhuri yevana).
Ko zvakadini nezvinhu izvo inshuwarisi hazvifukidze?
Izwi rinoshandiswa-kutaurirana uye kunze kwekushandisa mari kune dzimwe nguva rinoshandiswa zvakasiyana, asi vanhu vanowanzoshandisa "kunze kwehomwe" kurondedzera chero mari yekurapa yavanobhadhara ivo pachavo, pasinei nokuti mushonga wacho unobatanidzwa zvachose nehutano hwehutano . Asi kana kurapwa kwacho kusingawanikwi zvachose, mari yaunopedza haifaniri kugoverwa kugovana mari pasi peurongwa hwako, uye haungaverengi kuronga kwepurogiramu yako yekunze.
Somuenzaniso, zvipfeko zvakadai se liposuction kazhinji hazvifukidzwi nehutano inshuwarisi, saka kana ukawana kurapa kwakadaro, iwe unofanira kubhadhara iwe pachako.
Izvozvo zvinowanzoitika kune vanhu vakuru vemazino, kunze kwekuti iwe uine chirongwa chega rega inshuwarisi yeinishuwarenzi . Kunyangwe iwe unogona kufunga nezvezvinhu izvi zvinoshandiswa se "kunze kwehomwe" (uye zvechokwadi, vari kubuda muhomwe rako), mari yaunopedza haisi kuverenga kune chirongwa chako chehutano chiri kunze kwehomwe, uye iyo yaifunga kugoverana mari mari pasi peurongwa hwako.
Nemhaka yokuti kugovana-mari kunowirirana zvakanyanya kubva kune imwe hurongwa hwehutano hwehutano kune imwe, iwe unoda kuve nechokwadi kuti unonzwisisa zvese zvepurogiramu yako usati wada kushandisa shanduro yako, kuitira kuti mari yaunofanira kubhadhara kurapwa kwako haiti uya sechishamiso.