Iwe uri chiremba wezvehutano ari kutarisa kuchinja basa rako mune imwe nzira? Iwe uri mushandi wehupfumi uyo angada kushandisa unyanzvi hwako kumunda wehutano wehutano here? Iwe uri mubereki kana mwana kana mudzimai wako uyo akafamba nenzira yeutano nokuda kwemudiwa uye angada kuita rudzi irworwo rwebasa kune vamwe? Iwe uri webhizimisi here uchitsvaga chikafu chinokura mumisika? Iwe uri muvakidzani kana shamwari yako nguva iri pamaoko ako yaungada kushanda pakubatsira vamwe, zvichida sekuzvipira? Iwe unofarira basa mune zvehutano uye uri kutsvaga mikana here?
Kana wakapindura "hongu" kune chero ipi zvayo mibvunzo iyi, unogona kuva nehanya, unyanzvi, kunyange hunodiwa unofanirwa kuva murevereri wevarwere kana mugwagwa. Nemhaka yokuti kune zvakawanda zvakadai kumumirira kutsigira , ruzivo rwemamiriro ezvinhu uye zvinodiwa nevarwere vanorwara vanopararira. Aya mashoko akanaka kana uri kufunga nezvebasa, basa, kana nzvimbo yekuzvipira semurevereri.
"Mumiririri mukurudzira" inonzi inosvika-uye-inouya basa. Entrepreneur Magazine uye US News & World Report zvose zvakagadzirisa ruzivo semabasa ari kuuya ari oga.
Pano iwe uchanowana ruzivo rwemashoko kune avo vanoda kupa hupfumi hwemashumiro mune imwe yenzira dzinotevera:
- Chiremba / Nzira yekuenda (hakusi yakangofanana neChirwere Kubatsira)
- Assistance Assistance
- Musha Wehutano
- Mukuru kana Geriatric Assistance
Ruzivo rwemashoko ari munyaya ino rinotsanangura ukama humwe-umwe-umwe pakati pemurwere uye mutongi, kunyange mune dzimwe nguva mutongi anogona kushanda nemhuri yemurwere kana vamwe vanobatanidzwa mukurwara kwomurwere, zvakare.
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Chii Chinounza Mumiririri Akanaka MurevereriVatsigiri vanozobatsira varwere kuburikidza nekuongororwa uye kurapwa kwezvirwere - zvisinei kuti izvi zvinoreva kuvabatsira kurongedza nevanochiremba, vachishanda navo kuti vaite sarudzo dzokurapa, kana kunyange kuvabatsira kuwana madaktari akakodzera kuti avabatsire-vangada mamiriro ekurapa uye mishonga, sechiremba, mukoti kana mumwe mushonga wezvokurapa.
Vatsigiri vanoshuva kupa mishonga, hutano hwemusha kana hukuru hwemhando dzekubatsira dzichada kuva vanhu-vanotarisana uye vane urombo hwakawanda.
Avo vanoshuva kushanda nevakwegura kana nevana vaduku zvikuru vachada kushivirira uye kuonga kwemazera emakore iwayo.
Avo vanosarudza inshuwarisi nekubhadhara zvinhu zvekukurudzira vachada kunzwisisa kuti vatengi vanobhadhara vanoshanda sei, pamwe vanobatanidza mari, ma-inshuwarisi , uye vanobviswa . Kunzwisiswa kwemitemo yekubhadhara hurumende yakadai seMederalid and Medicaid, pamwe nehutano hwemasvomhu hunokosha zvakare.
Kuti uve webhizimisi wemurengeti mutsigiri uye utange bhizimisi rako rekuchengetedza chirwere, iwe unoda kunzwisisa zvidzidzo zvebhizimisi.
Mhando dzose dzekukurudzira dzinoda hutano hwakanaka hwekukurukurirana, kukwanisa kuva netsitsi (asi kwete nehanya nekutarisa kukanganisa), unyanzvi hwehutano, hutano hwakanaka, kukwanisa kuita tsvakurudzo yekugadzirisa zvinetso, rutivi rwekugadzirira kubatsira kugadzirisa zvinetso zvakaoma, uye kukwanisa kuwirirana nevanhu vakasiyana-siyana, kusanganisira varwere, mhuri dzavo, uye vashandi.
Mukuwedzera, vamiririri vehutano vakanaka vanoda kuva nekutendeseka, uye vanogona zvose kukudza nekuremekedzwa kubva kune vamwe vakawanda vanobatanidzwa mukutarisira kwevarwere.
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Bhizimisi Nesangano Rinokurudzira Varwere Mumiriri Kuti VavashandireKune zvishoma zvedzinza zvekutsungirira kubasa basa.
Shingairira chipatara, centre rehabhi, kana imwe nzvimbo inobhadhara varwere vashandi. Vakawanda vane kambani-yebasa rebasa rwenzvimbo. Vamwe vevateereri ava vane ruzivo rwemagariro evanhu kana mamwe maitiro ebasa revatengi. Pavanenge vachitambudzika-kupfura uye kugadzirisa zvinetso kuvarwere, zvizhinji zvezvisarudzo zvavo zvinofanira kuitirwa mukufarira chivako kwete kunyanya kufarira murwere.
Shandisa kambani ye inshuwarisi, kazhinji HMO (Health Maintenance Organization). Zvimwe zvehutano hwakachengetwa hwehutano hwehutano huripo hunoshandisa vatsigiri. Vanogona kunzi "vamiririri vamiriri" kana kuti "vatungamiri vemhosva." Ava vamiririri vanogadzirisa kushambadzira kwehurongwa hwematambudziko akaoma emakiriniki. Basa ravo guru nderokuchengetedza mubhadhari wemari, asi vanogonawo kubatsira kune varwere vane dambudziko vachifunga kuti vanozoenda kupi.
Shandira chirwere chisingabatsiri kana chirongwa chemamiriro. Avo vanoshanda mukati memasangano aya vanowanzotaurira vane mwoyo murefu, kunyange zvazvo mabasa avo angangoratidzika kunge akaita sekusimudzira mari kana kurapa kwevashandi. Basa iri ringasave riri remuenzaniso mumwe chete, mumwe-mubatsiri muenzaniso, asi achiri chimiro chekukurudzira.
Shingairira sangano rehurumende. Vashandi vanotsigira kana vatungamiri vemakambani vanoshandira hurongwa hwehutano hwehurumende kazhinji mukuchengetedza, kana hutano hwevanhu / hupfumi hwevanhu. Yakawanda yekutsigirwa inopiwa kune varwere vanovimba neMedare , Medicaid , kana mamwe maitiro ehurumende ekubhadhara nekuda kwehutano hwavo.
Shanda iwe pachako. Tanga bhizimisi rekuchengetedza varwere. Kunze kwekushaiwa unyanzvi hwekudzivirira hutano, kutangira bhizimisi rako rekuchengetedza varwere kunoshevedza kune humwe hunhu uye unyanzvi hwaungawana hunoshamisa. Pane matanho chaiwo ekutora akabatanidzwa pakuvaka bhizimisi rekukurudzira kwevarwere .
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Varwere Vanoparidzira Vanoshanda Zvakananga kuvarwereDzimwe nguva murwere kana mhuri yake, chaizvoizvo, mushandi. Murwere angashandira munhu kana bhizinesi kuti amumirire kuburikidza nehutano, inshuwarisi, kana mamiriro ezvinhu emurairo. Nemhaka yokuti murwere anotsigira achishanda zvakajeka kune murwere, mutsigiri wekuteerera anogona kutarisa kune murwere.
Shingairira sangano rinotarirwa nevarwere. Iko kune masangano anotarisa pamusoro pehutano hwehutano, inshuwarisi, uye kubhadhara matambudziko emitemo, kunyange kuiswa mumisha ye rehab kana yekuyamwisa. Ivo vari vega kana kuti kwete-kubatsiri masangano anobata nemari inobhadharwa nemurwere kana mhuri yake. Aya masangano akatanga kutamba basa rakakura zvikuru muhutano hwehutano uye hahuzove nguva refu vasati vava chikamu chehutano hwehutano hwakanyanya muUnited States
Shanda kune mumwe murwere, unobhadharwa nemurwere kana nemhuri yemurwere. Ava vatsigiri vanobatsira avo vane dambudziko kufamba nenzira yehutano yehutano avo vangave vasingakwanise kuongororwa kana kuti havagoni kuwana kurapa kwakakodzera. Vamwe vemazano aya vanoshanda pamatambudziko emishuwarenzi kubatsira kubatsira kuwana mari yekubhadhara kana kubatsira varwere kufamba nzira dzavo dzokubhadhara. Vanogona kubhadharwa nhengo dzemhuri dzinogara kure zvakanyanya kuti dzipe rubatsiro kune umwe munhu anorwara, kana kuti vanoda avo vanochengeta mudiwa wavo anorwara nokuti vari kure kubasa zuva rese.
Vazhinji vanotsigira avo vanoshanda kune vanhu vari vega vanozvishanda vezvemabhizimisi. Vamwe vevanoshambadziri vari kuvaka mabhizimisi ekutsigira uye vanogona kuunganidza vatsigiri vepamwe kuti vashande navo, kuitira kuti vashumire varwere vakawanda.
Varwere vakawanda vanotsigira vagozvipiri. Vanobatsira vanodiwa, nhengo dzemhuri kana shamwari dziri mumabasa sekuvatsigira pamabhedha, vatarisi, vatsvakurudzi - kana dzimwe nguva basa ravo rinokosha nderokubata ruoko rwomumwe munhu kana kutotumira kune ivo kugadzwa. Mari yavo inouya nenzira yekugutsikana kunobva pakubatsira mumwe munhu.
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Mvumo Inodiwa InodiwaNemhaka yokuti kubhadhara varwere varwere vatsva kuhutano hwehutano, pane zvishoma zvidzidzo zvepamutemo kana mapurogiramu anozivikanwa aripo. Vazhinji vamiririri vane mwoyo murefu vanozvidaidza, vachibva mumamiriro ezvinhu zvakasiyana-siyana kubva mukurapa kana mamwe mabasa ehutano kumabasa evanhu kana dzidzo. Vamwe vamiririri vane chirwere vanongowanikwa pa-mu-ruzivo rwemabasa kubatsira munhu waunoda kufamba nenzira, uye iye zvino vanotarisira kuwedzera chiitiko ichocho mubasa rekubatsira vamwe.
Zvirongwa zvehutano zvehutano uye zvehutano zvinowanikwa kune avo vanoda kupiwa chiremba chechikoro, kana kuvadzidzi vezvokurapa vanoda kuwedzera kukurudzira sechirevo chezvidimbu zvezvechiremba. Munguva pfupi yapfuura, mapurogiramu epakombiyuta ave akavakwa, zvakare.
Mhosva vatungamiri vanogona kuwana chikwereti chingawanikwa kuburikidza nekubatanidzwa kwezvidzidzo uye kuongororwa. Vakawanda varipo vatungamiri vane vana vanochengetedza mahara kana zvemagariro evanhu kuti vatange, zvino tora muedzo unoita kuti vakwanise kuita mabasa anoda kuti mutevedzeri wemhosva aonekwe. Vakawanda vari kushandiswa nekutarisirwa kutarisirwa / HMO (masangano ekuchengetedza utano), kana nehurumende yehurumende kushanda zvakananga nevarwere.
Kubvira muna 2008, mapurogiramu akawanda anonzi Murefu Mutevedzeri Mapurogiramu kana mapurogiramu eEalth Advocate, atanga kuda kuti anopa chiziviso chevatsigiri vevarwere. Zvizhinji zvezvirongwa izvi zvakanakisisa, asi sezvo pasina maitiro, havagoni kuvimbisa nyika yose (kana nyika) yakabvumirwa.
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Zvimwe Zvaunoda KuzivaMurwere mukurudzira ishure-uye-kuuya basa, uye avo vanotora nguva yekuzvidzidzisa vovaka unyanzvi hwavo uye ruzivo vachapiwa mubayiro nebasa rose rakasimba uye zvichida mari yakaisvonaka. Saka, chii chimwe chaunoda kuti uzive kana uchida kuva mutariri we murwere?
Varwere vanorwara vanoda kuva vashandi vanozvida vachada kunzwisisa zvinotora pakuvaka bhizimisi rekurudzira, uye nyore nyore kuziva mhinduro dzemibvunzo inenge iripo nevarwere-vatengi vachakumbira . Iwe unogona kunge uri mutungamiri akakurumbira munyika, asi kana iwe usingagoni kupindura mibvunzo iyi nezvebhizinesi rako, varwere vachaenderera mberi kuzobhadhara mumwe munhu.
Pakupedzisira, nokuti pfungwa yekutaridzirwa kwevarwere iri itsva, uye nokuti kune matambudziko mazhinji akadai achitarisana nekuedza kufamba iye zvino yeAmerican system yehutano, varwere vanorwara vanogona kushamisika kuziva kuti havakwanisi kugamuchirwa kana kugamuchirwa zvakanaka nevarapi vezvokurapa.
Vatsigiri avo vanosarudza kushanda zvipatara nezvimwe zvivako vanogona kuwana vakagumbuka varwere nekudzvinyirirwa kubva kune vavashandi vavo kuderedza mabasa avo ekuburikidza zvishoma kana zvinodhura zvikuru kushumira murwere.
Vatsigiri vanoshanda zvakananga kuvarwere vachawana kuti varwere vavo vanoonga uye vanozorodzwa, asi vashandi vezvechiremba uye vanobhadhara vanogona kuvatarisa nekunetseka nokuti havanzwisisi rugwaro rwemutevedzeri.
Izvi zvinowanzogumburwa kushandisa unyanzvi hukuru hwekutaurirana - ndicho chikonzero ivo vakakosha zvikuru kune vatsigiri vezvenyanzvi. Havafanire kudzivisa mumwe munhu ane ruzivo uye chido chokuva murindiri murwere kubva pakupa basa rinofadza zvikuru.