Kusvika pakupera kwegore rega rega rega, iwe unotanga kunzwa kubva kune vashandi vako vehupfumi yemadhipatimendi kana kubva kune vatsigiri nevatengi vanoona nezvehutano hwehutano hwako nezvehuwandu hwaunofanira kubhadhara kuti upiwe gore rinotevera. Gore roga rega premiums idzi dzinowedzera, dzimwe nguva nedhijidhi-mazana ekuwandisa. Nei inshuwalhu yehutano inodhura?
Uye nei uchifanira kubhadhara mamwe gore negore, kunyange iwe uine utano?
Chikonzero nei Utano HwokuInishuwarenzi Hutano Hwakawedzera
Mishonga yeInishuwarenzi yehutano inokwira nokuti zvipatara zvinowedzera. Vanachiremba vanoda kubhadharwa zvimwe, zvinodhaka zvinodhura, kuongorora teknolojia inowedzera zvakanyanyisa uye inodhura, nezvimwe zvakadaro. Kana tikanzwisisa kuti vashandi vehutano vehutano vanoona sei mari yavo yegore negore, saka zviri nyore kunzwisisa kuti nei ichiwana mari inodhura, kunyange kana tine utano hwakanaka.
Nzira yei Premium yakagadziriswa
Gore roga roga, iyo inshurenzi inokurudzira maitiro evarwere vayo, uye inotarisa kuti yakawanda yakafanirwa nemhando yevarwere ichadhura. Semuenzaniso, imwe nhoroondo inogona kuva yevarume vezera, makore maviri kusvika ku6. Mutsinhanisi achagadzirisa kuwandisa nhamba yechiremba anoshanyira mwana mumwe nomumwe achange adikanwa, vangani vachizhe yaanenge achida, kuti vangapinda sei uye vanoda zvidzidzo, nezvimwewo .
Chimwe chinyorwa chinogona kunge chiri chemukadzi ari nemakore makumi mashanu kusvika ku55. Uyu mukadzi achada kuongorora, mammogram , zvichida colonoscopy kana bone .
Anoda kuongorora ropa kwechirwere cheshuga kana cholesterol. Kana iye ane utano hwakanaka, angave achida kutora rimwe kana kupfuura mamwe madhiragi, zvichida mutemo kudzivirira zvinetso zvemwoyo.
Iyo inshurensi inotarisirawo imwe nhamba yezvivhimba, kuongororwa kwezvoutano, njodzi, nezvimwe zvinogona kuwanikwa mune zvekurapa kune mumwe nomumwe wevarwere varo vakafanirwa.
Kushandisa iyo mapurogiramu, kuwedzerwa nehuwandu hwevarwere vanotarisira kuvhara mumwe nomumwe, mubhadhari anogona kuenzanisa kuti zvii zvinenge zvichange zviri. Zvimwe zvinowedzera mari uye purogiramu ichawedzerwa kune yose. Zvadaro vanozoita masvomhu kuti vawane muvhareji mari kune mumwe murwere kana mhuri. Izvozvo zvichava premium yako yegore negore.
Mumwe nemumwe munhu anenge ari muboka kana mhuri achabhadhara mari yakafanana yemari yepamusoro, pasinei nehutano hwomunhu kana mhuri.
Iko Utano Wenyu Inishuwarenzi Ichokwadi Chakuita Here?
- Kana iwe uri mushandi, ipapo iwe newaunoshandira mungagovana mari yako yepamutengo. Kana iwe usina weanoshandira kuti akubatsire kubhadhara miriyamu yako, mari yose ichava yako.
- Kana iwe uine hutano , ipapo mari yako yepamberi ichave yakawandisa kupfuura iyo inogona kukudhura iwe kuti uchengetedze nguva yegore. Iwe unogona kubhadhara zviuru zvemadhora, uye unoda kungoshanyira imwe chete kune chiremba kana imwe mishonga. Iwe unopedza mari pamapurayamisi nokuti haudi kuisa pangozi pamhanho yemutemo nekuda kwedambudziko guru kana kurwara.
- Kana iwe usina hutano hwakanaka uye udiki hukuru, zvinoreva kuti kuongororwa kwakawedzerwa kunorudzirwa gore rega rega, ipapo iwe unogona kuuya pamusoro. Mamiriyoni emadhora emadhora emakambani ekutanga angave ari pedo nemari chaiyo kana iwe wakabhadhara muhomwe yezviedzo uye chiremba anoshanyira. Kunyange zvakadaro, iwe unopedza mari pamapurayamisi nokuti haudi kukanganisa mari yakawanda iwe unofanira kuonekwa uine chirwere chakaoma kana kukuvara mukuwa kana imwe njodzi.
- Kana iwe uri kurwara , kunyanya kana iwe uri mukuru uye ari kurwara, ipapo mari yako yepuriyamisi ichave yakakosha. Kune avo vane chirwere chisingaperi chine chirwere cheshuga kana matambudziko emwoyo, kana kune mumwe munhu anonzi ane kenza kana chimwe chirwere chinoparadza, mari yako chaiyo yekutarisira, kana iwe wakabhadhara kubva muhomwe yako, inogona kuva mazana ezviuru zvemadhora.
- Kana iwe uri pamusoro pezera remakore makumi matanhatu nemashanu uye unogamuchira Medicare, kutarisira kwako kutarisira kuchava mhepo chaiye. Iwe uchawana rubatsiro rwaunoda kubva pane kuti iwe wapera makore ekurega basa. Kune vakawanda, iwe uchave wakabhadhara muhomwe iyoyo mubasa rako rose rekushanda. Asi kana uine chirwere chisingaperi kana uine chirwere chipi nechipi chinokonzera, kudzoka kwako pahupenyu huripo huchava hukuru.
Mufananidzo Mukuru Wehutano Inishuwarenzi
Zvino ngatitarisei mufananidzo mukuru-vagari venyika yose. Vagari vedu vari kukwegura, uye sezvo boka rose rava nemakore, ipapo boka rese rinoda hutano hwakanyanya hutano. Vanhu vakwegura vave nekurwara zvirwere zvisingaperi panguva yeupenyu hwose. Izvo zvinowanzoita kuti zvirwere zvinotyisa zvive sehutachiona kana chirwere cheAlzheimer kupfuura vaduku.
Vana vatsva vari kuberekwa, hongu. Asi isu tiri kutarisana nehukuru hwevana vane autism uye mamwe matambudziko anokonzera kudiwa kwekutarisira kune vanhu vose.
Vanhu vanowedzera uye havagone kuwana mari yeinishuwarenzi. Kunyanya munguva dzakaoma dzehupfumi, vashomanana vanotenga inshuwarisi vachati mari yakakwirira kune avo vanotenga kutenga.
Chii Chatingaita Kuderedza Mari YeInishuwarenzi?
Kutanga, tinoziva kuti kuderedza mari yeinishuwarenzi hakuna kufanana nekuderedza mari yekuchengetwa kwehutano mune zvese semunhu kana mhuri. Mari yehutano inopararira munyika yose yevanhu sezvinotsanangurwa pamusoro apa.
Chechipiri, kana uri mu "murwere" boka rinorondedzerwa pamusoro apa, kana mumakore anopfuura makumi matanhatu nemashanu, saka iwe haugone kuwana hutano hwehutano kudhura zvishoma pane zvauribhadharira iye zvino.
Vaya vane utano hwakanaka, kana avo vane ruzivo rwepurogiramu yakawanda kuburikidza nevashandi vavo vanogona kutora mari pamusoro pemari yega yega yehushuwarisi, kusanganisira mutengo wakabhadharwa nezvemarikiti, kubhadhara, uye kubhadharwa, sezvinotevera:
- Gore roga roga panguva yehutano hwehutano hwekunyora panguva yegore rinouya, kana panguva yaunoshandura mabasa kana chero chimwe chikonzero chinoshandura inshuwarisi yekugovera, tora nguva yekuita zviyero zvekusarudza hurongwa hwakanakisisa kwauri. Zvichienderana nezvamunoda, ma-premium angasakwanise kuva chikamu chinodhura zvikuru chekutarisira kwako.
- Funga zvakanyanya-deductible, njodzi yekuchengetedza inshuwarisi . Zvirongwa izvi zvine mapurogiramu madiki pasi uye zvinoshanda zvakanaka kune vanhu vane hutano hwakanaka. Kana ukasarudza chimwe chezvirongwa izvi, iwe unogonawo kusarudza kushandisa Health Account Account iyo ndiyo nzira yekuita kuti utano hwako hutere huderedzwe uye hukubatsira kuchengetedza mari yaungada pane imwe nguva nekuda kwemari yehutano. Inokubatsirawo kugadzirisa chikamu chinotumirwa kune inshuwarisi nenzira yepurayamisi.
- Ratidza kuti iwe unokodzera chirongwa chekusimbisa rubatsiro rwehutano rwehurumende seMedicaid kana vamwe. Nyika imwe neimwe ine zvirongwa zvakasiyana.
Mamwe Utano Inishuwarenzi Mibvunzo
- Sei inshuwarisi yangu isingagoni kuvhara vanachiremba ini ndinoda kuona ?
- Sei huni inshuwarisi yangu isina humwe hutano huripo huri huwandu hwandingada?
- Sei kambani ye inshuwarhu yehutano yakandibatsira kuti ndive nehupfumi ?