Nzira Dzokubhadhara Chirongwa Chekuisa Chirwere

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Nzira Yokubhadhara Nayo Muviri Wemutsipa

Kuvhiya kunogona kuva yakadhura uye chirwere chekugadzira chirongwa chimwe chezvinhu zvinodhura zvikuru. Kune vanhu vanotarisana nemutengo unodhura, izvo zvinogona kana kuti zvingasava nzira yekugadzirisa, zvingave zvichidikanwa kukwidza mari isati yasvika pakurapa.

Kuedzwa kwokutanga kunodiwa kuitira kuti murwere aiswe pachirongwa chekumirira kwekugadziriswa kana kuregererwa kwekuvhiya kunogona kutenga makumi ezviuru zvemadhora, kunyange kana murwere asina kupinda muchipatara panguva

Hazvisi zvisingazivikanwi pamutengo wekuvhiyiwa kukuru uye nekutevedzwa kwekuchengetwa kwekuchengetwa kwevanhu kuti zviite kuti bhiridha inopfuura $ 500,000. Zvinosuruvarisa, mari yaunotora haiperi nekuvhiya; mutengo wemishonga mumwaka mushure mekuvhiyiwa unogona kuva zviuru zvemadhora pagore.

Zvakanaka, murwere achava neinishuwarenzi yepamusoro yekubhadhara huwandu hwemari uye imwe nzira yehushuwarisi yekubhadhara mari inosara. Kunyangwe neinishuwarenzi yakaisvonaka inobhadharwa 80% yebhadharo yose, asi 20% inosara inogona kudarika $ 100,000 kubva pakuvhiyiwa oga. Nekuchengetedzwa kwechipiri kana kubhadhara inshuwarisi, 20% inosara inogona kubhadharwa nekambani ye inshuwarisi panzvimbo pemurwere.

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Zvinotengeswa zveMutumbi weMutumbi uye Zvimwe Zvimwe Zvokuvhiya Zvimwe

Kutanga-kuvhiyiwa kuchipatara, kuongororwa kwebazi uye kuongororwa kwakawanda mukugadzirira kwekuvhiya zvose zvinopa mari yakakwirira yekupemha. Zvimwe zvinowedzera mari zvausingafungi zvinosanganisira:

• Hospitali inodiwa musati mavhiyiwa
• Kurapa kunotanga kuitika mushure mekuvhiyiwa, zvakadai se dialysis uye pamapumpu pamapupa
• Kuvhiyiwa kwekuchera uye kugarisa
• Kupesana nekuramba kurapwa
• Kurwirwa kunoitwa nechiremba wokuvhiya
• Chero humwe hutano huripo hunoda
• Inishuwarenzi inobhadhara, inobhadharwa uye inobhadhara
• Kwete-mari yekurapa, kusanganisira kutarisira vana, kufamba, uye pokugara
• Murasi wakarasika

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Kubhadhara Chirwere Chinodhura Nevamwe Inishuwarenzi

Private inshuwarisi ndeyekugoverwa iyo isina kubhadharwa nehurumende; murwere kana mudzimai wako anowanzowana inshuwarisi yega yega kubva kumushandi wake. Mune zvimwe zviitiko, zvikurukuru kune vanhu vanozvishanda, inshuwarisi yega yega inogona kuwanikwa kunze kwenzvimbo yebasa. Muchiitiko ichocho, murwere anokwereta mari yeupurimu.

Zvichienderana nechirongwa, inshuwarisi yega yega inogona kutora huwandu hwakawanda hwezvinhu zvekugadziriswa kwomuviri. Kunyange zvakadaro, zvirongwa zvakawanda zvehushuwarisi zvine "kap" kana kuti zvakanyanya kuti kambani ye inshuwarisi ichabhadharira kutarisira murwere. Ichi chinyorwa chinogona kusangana kana kupfuudzwa nekuchengetedzwa kwakakwana panguva yekugadzirwa kwechiri.

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Secondary Insurance Inogona Kubatsira Kurapa Mari Dzakavhiya

Secondary inshuwarisi ipfungwa inowanikwa kuwedzera kune inshumo inowanikwa kuburikidza nemushandi, hurumende kana kuti pachake. Zvinokurudzirwa kuti kune vanogona kuendesa kune avo vasina ruzivo rwechipiri rwehushandi yemishonga yunivhesiti vanowana mitemo yechipiri yekubatsira kubhadhara mari dzisingabatanidzwi nehurumende yeruzhinji yeruzhinji.

COBRA muenzaniso we inshuwarisi yega yega inowanikwa kunze kwenzvimbo yebasa; murwere anobhadhara muhomwe yeinishuwarenzi.

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Kushandisa Medicare neMedicaid Kubhadhara Kurapa Kwakakura

Medicare

Urwu huri hurumende inobhadhara mari inishuwarenzi inobhadhara kuchinja, asi kwete munhu wose anokodzera kugoverwa. Inobhadharawo kune mamwe marudzi akawanda ekuvhiya, kana nzira yacho inonzi yakakosha.

Varwere vanopfuura makore 65, vakaremara, uye avo vakaonekwa kuti vane chirwere chekupedzisira renal chirwere (ESRD) vanofanirwa neMedare. Uyezve, varwere vanogona kukodzera kana ivo kana kuti avo vakaroorana vakabhadhara muMedare. Iwe Medicare webusaiti www.medicare.gov inopa ruzivo rwakakwana pamusoro pekukwanisa kubhadhara, uye chii chingawanikwa mune imwe nyika.

Medicaid

Medicaid ihurumende-inotsigirwa inshuwarisi yepamusoro yevarwere vemari inoshandiswa nehurumende imwe neimwe. Kugoverwa, pamwe chete nezvakakodzera zvekugovera, zvinogona kusiyana pakati penyika. Muganhu wemari yekuwana kuti uwane zvakasiyana-siyana zvichienderana nehukuru hwemhuri nehuwandu hwemari, asi mari shoma hairevi kureva kuti murwere achakwanisa kugoverwa.

Kana murwere asingakwanisi kuwana Medicaid nekuda kwekuwana mari, iye achiri kukwanisa ku "shandisa pasi" Medicaid, iyo inofunga nezvemari yemari inobhadharwa yehutano. Mutori wezvematongerwo enyika pachinzvimbo chekufambisa anofanira kunge achikwanisa kubatsira varwere kufamba nenzira inosangana nehofisi yekuchengetedzwa kwehupfumi inotungamirira Medicaid.

Nzvimbo dzeMedare uye Medicaid Services Website

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Kushandisa Veteran's Benefits Kubhadhara Mutumbi Wekugadzira

Veterans avo vari kushanda muuto rehondo kana avo vakabva pabasa remasoja vanogona kukwanisa kubhadhara inshuwarisi kuburikidza nehurumende, inozivikanwa seTricare. Izvi zvinobatsira veteran zvichaita kuti mari yekushandiswa kwechirongwa ichipire.

Mamwe mazano anowanikwa paIndaneti yeTricare.

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Kubhadhara Mutumbi Wemiviri Nehumwe Mari Mari

Varwere vazhinji havagone kubhadhara mari yakazara yekugadzirwa kwechirongwa chechirongwa, kana kunyange shoma shoma inotora mari, kushandisa mari yavo pachavo. Vanhu vakawanda vanomirira chigadzirwa chemuviri vane matambudziko emari, kunyanya kana kurwara kwavo kwaita kuti vagoiswa paurema.

Izvi hazvishamisi, uye varwere vazhinji vanoongorora dzimwe nzira dzokuvabatsira kubhadhara nzira yavo.

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Mari yekubhadhara mari yekubhadhara kwekushandura

Vamwe kuisa vatachiona vanoenda kumasangano ehurumende yebasa kuti vabatsire kubhadhara mari yekutengesa. Masangano ehurumende ehurumende anowanzoda kupa mari kubatsira murwere kuwana chirwere chinoponesa upenyu. Vamwe varwere vanosarudza kubata zviitiko zvekubhadhara mari, zvakadai sokufamba-t-tons, kana kukumbira kune shamwari, mhuri uye vamwe vomunharaunda kuti vabatsire kuwedzera mari yavanoda.

Vashandi vezvemari pakutsvaga nzvimbo dzinogona kukwanisa kupa rubatsiro nekuwana masangano anokwanisa kuita kuti iwe uwane mari.

Vamwe varwere vane kubudirira kukuru kuburikidza neIndaneti fundraising, vachishandisa mawebsite akaita seApaiForward.com kuti vataure nyaya yavo uye zvinodiwa zvinodiwa.

_References:

Mari Inoshandiswa-Kudhura. The United Network for Organ Sharing (UNOS). 2008. http://www.transplantliving.org/foreforetransplant/finance/finance.aspx