Kubhadhara kurapwa kunze kwehomwe, kunowanzozivikanwa sekuzvipira, kunogona kunge kunodhura kunodhura. Kana iwe usina inshuwarisi kana inshuwarisi yako isingabhadhari nokuda kwekuvhiya kwako - sezvinojairika neimwe kuora kurasika maitiro uye mapurisa akawanda epurasitiki - kune nzira dzekuwana rubatsiro rwehutano hwaunoda, kunyange kana iwe uchibhadhara iwe purogiramu iwe pachako .
Kunyange zvazvo kuvhiya kubhadhara hakusi kwakanaka, inogona kuva yakasarudzwa kunakidza pane hupenyu pasina kuvhiyiwa, izvo zvinogona kureva kurarama mukurwadziwa kana nemamiriro asina kunaka. Uyezve, kunyange kana iwe une inshuwarisi iwe unogona kuongorora kutsvaga kwekubhadhara kwako, sezvo vazhinji inshurensi inopa chete chikamu chebhadharo, vachisiya iwe kubhadhara zvimwe zvacho.
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Nzira Yokubhadhara Kuvhiya - Kunyange Kana Inishuwarenzi Yenyu IsingaitiKana wakanyanyisa zvaunogona kuita nehutano uhu inshuwarisi uye Medicare (kana iyo ichisarudzo), zvingave nguva yekutanga kutsvaga dzimwe nzira dzokubhadhara. Ramba uchifunga kuti zvese zvekubhadhara mari zvinoda mari yekubhadhara, zvakasiyana neshuwarisi inotarisira huwandu hwebhadharo.
Iva nechokwadi chokuti mari yaunenge uchibhadhara inosanganisira mari yose inotarisirwa , kusanganisira bhidhiyo yechiremba, chirwere chekambani yekuvhiya, anesthesia mari, kushandiswa kwechipatara kare uye mushure mekuvhiyiwa, marabhu, mishonga, x-rays uye chero kuedza kunorayirwa chiremba wako nekushanyira kunotarisirwa kare uye mushure mekuvhiyiwa.
Mukuwedzera, iva nechokwadi chekusimbisa kuti chii chichabhadhara iwe mushure mekuvhiyiwa usati waita. Iwe hausi kuda kuva nekunyengedzera apo bhorodha yako yekutanga inosvika uye iwe unofarira mubhadharo kana kubhadhara zvakanyanya zvakanyanya kupfuura zvaunotarisira. Iwe uchazofanirawo kuronga chero zvipi nezvipi, sezvinetso, izvo zvinogona kusimudzira mari yose yekutarisira kwako zvakanyanya.
Rambai muedzo wekuregeredza mafoni kubva kune dhipatimendi rekuunganidza zvipatara. Vanhu ava vanogona kushanda newe, kukubatsira kuti ugadzire chirongwa chokubhadhara, uye uve nesimba rekuderedza mari yakawanda yaunokwereta. Funga nezvevanhu ava sewe shamwari yako yepamusoro, iwe wauchabata zvakanaka kupfuura iwe wakambobata chero munhu muhupenyu hwako hwose. Zvechokwadi. Seriously. Kana uri kubhadhara kurapwa kunze kwehomwe, uyu ndiye munhu waunokumbira kuti akubvumire kubhadhara mutengo wakafanana wekambani dzeshuwarenzi dzakataurirana nenzira imwecheteyo. Ichi chikumbiro chinonzwisisika uye chinowanzorumbidzwa, kunyanya kana chichitaurirana mberi. Tora chibvumirano ichi nekunyora.
Kana uchida kuravhirwa kunodhura zvikuru, sekugadzirwa kwechirongwa, panzvimbo pekuvhiyiwa kwakanyanya, tsvaga zvakawanda pamusoro pekuti ungabhadhara sei kurapwa kwakadhura usingabhadhari .
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Kuderedza Kuvhiya Zvinoda Zvakawanda SezvinobviraIwe usati waedza kuverenga kuti ungabhadhara sei pasina inshuwarisi, edza kuona kuti iwe unogona sei kuderedza zvakanakisisa mari yekuvhiya kwako iwe usati waita. Chokutanga, tsvaga kuti nzira iyi ichakutengesa mari shoma. Izvozvo zvinoreva kuti munhu wese anopa kutarisira, kubva kune anesthesia kuenda kuchiremba, chipatara uye pharmacy inofanira kuva mu-network apo iwe une inshuwarisi. Iwe uchange uine chiyero chakanaka, kunyange kana inshuwarisi yako ikambani isiri kutora tab.
Zvadaro, tauriranai zviri nani. Iko kushungurudza kunosuruvarisa kuti vatengi vemari vanobhadhara chiyero chakakwirira kudarika vanhu vane inshuwarisi, kunyange zvazvo inshuwarisi yakataurirana huwandu huri nani nemupiyo. Danaidza chiremba , chirwere chekuvhiya , mupi anesthesia uye chero ani zvake anopa kutarisira kwako uye tsanangura kuti iwe uchange uri kubhadhara muhomwe kuitira kuti iwe unoda kuva nekanakisiro yemari iyo inopa makambani endhuruvisi. Kana iwe unofadza, ramba uchirondedzera uye utsanangure mamiriro ako ezvinhu, unogona kushamisika kuti mari inogona kubhadhara inogona kuchinja sei.
Bvunza mibvunzo yemunhu wese waunotaura naye nezvekuderedza mari. Mune dzimwe nguva kushandisa chirwere chekuvhiya pane nzvimbo yechipatara kunogona kuguma nezviuru zvemadhora zvakachengetedzwa. Vanhu vanoshanda mukubhadhara vachava vanhu vanowanzoziva kukuchengetedza mari, uye ivo vachaziva nezvezvirongwa zvevanhu vane matambudziko emari.
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Mibvunzo Inokosha Yaunofanira Kubvunza Pamberi Kwokubhadhara MariInguva yakadini iwe uchafanira kubhadhara chikwereti?
Chii chichabhadhara chikwereti?
Uchakwanisa here kutarisira zvikwereti kana iwe uri kutamburira kubhadhara mari yako nenguva?
Uchave uri kubhadhara makadhi ako ekwereti kubva nokusingaperi nokuti hauzokwanisi kuita mhomwe huru kudarika zvishoma here?
Chii chauchaita kana mari yekuvhiya yakakwirira kudarika kufungidzirwa nechiremba wako?
Iwe unenge uchinge uendeswa kubhengi kana mari, uye saka iko kuripa, inofungidzirwa here?
Iwe uchakwanisa here kutenga mishonga yemishonga inoshandiswa iwe unoda mushure mekuvhiyiwa kana uri kubhadhara chikwereti chako chekadhi rechikwereti?
Iwe hauzokwanisi kuchengetedza zvido zvako zvenguva yemberi kana iwe uchibhadhara chirwere chako here?
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Kukwereta Kubva Pamuviri Wenyu Wokuchengetedza KuvhiyaChirongwa chako che 401k kana 403b chekurega kwako chinogona kukubvumira kutora chikwereti pamusoro pemari yawakatoponesa pasina chirango. Zvirongwa izvi zvinopesana nemushandi kumushandi, asi vazhinji vanozokubvumira kubvisa chikamu chemazana makumi mashanu emari yako yakawanikwa - kusvika ku $ 50,000 - nekuda kwemari yehutano.
Nguva yakareba yakabvumirwa kubhadharwa, asi kana ukasiya nzvimbo yako yebasa usati wadzorera mari iyo inogona kuva yakawanda yemitero. Iwe ucharasikirwa nechido chaunogona kuwana pane mari yaunodzinga, asi iwe hauzobhadhara chikwereti pane chikwereti sezvaunenge uchida nekwereta.
Kana iwe une Roth IRA, unogona kukwanisa kuwana mari yekubhadhara nokuda kwekuvhiyiwa kwako. Kazhinji Roth IRA haisi kutarisirwa nevashandi, asi neavo vanoita zvekurima, saka iwe unogona kuita iwe tsvakurudzo yako. Tanga nekushevedza nhamba yebasa rekambani yefudzi rako uye kubvunzurudza nezvekubvisa mari kubva muIRA musati wakura.
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Unofanira Kushandisa Nest yako Egg for Surgery?Kana kuvhiyiwa kuchidiwa, zvinogona kunge zvakakodzera kukosha dendere rako mazai kubhadhara kurapwa nemari yako. Paunenge uchipedza hupenyu hwako kuchengetedza kune chimwe chinhu chakadai sokuvhiyiwa haisi chakanaka, kana chirwere ichi chichatsiva hupenyu hwako, zvinogona kuva mari yakashandiswa zvakanaka.
Zvichienderana nechikwereti chako uye mari yako, iwe unogona kukwereta mari kubva kune imwe kunze uye kuchengetedza mari yako kuwanikwa nyore nyore. Kunyange zvazvo chikwereti chizoita kuti chikwereti chibhadzwe, zvingave zvakakosha mari yakawedzerwa inobhadharwa mukufarira kuchengetedza kuchengeteka kwedendere dendere kana dambudziko rekukurumidzira, kunyanya kana iwe uchida mari iyo iwe uchigadzirisa kana iwe usingakwanisi kushanda.
Zvinyorwa zvemamiriro ako ezvinhu zvichabatsira kuziva kana iwe uri nani kubvisa mari kunze kwekuchengetedza kana kubhadhara mari yechikwereti chakatorwa nokuda kwekuvhiyiwa.
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Kushandisa Imba Yako Equity Kubhadhara Kuvhiya Iwe pachakoImba yekubhadhara chikwereti yakakweretwa inokweretwa pamusoro pekukosha kweimba yako iyo yakakura kudarika chikamu chekutora chikwereti chako. Somuenzaniso, kana imba yako ikozvino inokosha $ 100,000, asi iwe unokwereta $ 70,000 chete kubhangi, unogona kukwereta kudarika $ 30,000 muhutano.
Iko kazhinji zviri nyore kuwana rudzi urwu rwechikwereti kupfuura chikwereti chisina kuchengetedzwa nokuti imba ndiyo yako inobhadhara. Iko rudzi rwechikwereti runopawo mutero wekubhadhara semutero sezvo inotora mutero inotsvitswa semutengo wekutengesa.
Ramba uchifunga kuti kana iwe usingakwanisi kubhadhara chikwereti chemari yakakwana, migumisiro inogona kuoma. Kukundikana kubhadhara chikwereti kumashure kunogona kuitika pakufanirwa nekudzingwa kubva kumba kwako.
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Mari Dzisingachengetedzwe Kuvhiya MariChikwereti chisina kuchengetedzwa ndizvo zvinonzwika sekuti: chikwereti chisina kuchengetwa neimba yako. Icho chikwereti chinobva pachikwereti chako uye mari uye hachishandisi chikwereti kuti usimbise chikwereti. Marikiti yemakadhi ndeimwe rudzi rwechikwereti chisina kuchengetedzwa asi kune mamwe marudzi aripo.
Bhengi kana kambani yezvikwereti ichasarudza kuti ungakwereta zvakadini uye pachiyero chei, pamwe nemashoko ekubhadharwa. Izvo zvikwereti zvakaoma kuwana kupfuura mari yekukweretesa yemusha uye kazhinji ine chikwata chapamusoro chekuda. Chiremba wako anogonawo kubatana nehurongwa hwekukweretesa, asi iva nechokwadi chekuenzanisa nhamba yemari pamwe nemamwe magwaro kana iwe uchikwanisa kubhadhara chikwereti ichi.
Nyatsocherechedza chikwata chekufarira uye chienzanise pane dzimwe nzira. Kana iwe uine kadhi rechikwereti iro rinopa chidimbu chakaderera kwazvo, kadhi rechikwereti rinogona kunge rakanyanya kusarudzwa.
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Payment Plans for SurgeryVamwe vanachiremba uye zvipatara vanopa zvirongwa zvekubhadhara mabasa avo. Mari yekubhadhara inowanzopiwa apo chirwere chako chinowanzobhadharwa nemurwere panzvimbo yekambani ye inshuwarisi. A hysterectomy inenge iri pasi rose yakafukidzwa nenishuwarenzi, saka vanachiremba vanoita basa rehutorike havagoni kupa chirongwa chokubhadhara; Zvimwe, chirwere chepurasitiki hachina kumbobhadharwa neinishuwarenzi, saka chiremba aizove achida kuziva nezvekuzvitsvaga.
Mune zvimwe zviitiko, zvirongwa zvekubhadhara ndeye chibvumirano chepamutemo chaunenge uchizoita mwedzi miviri kuitira kuti ubhadhara mari yekuvhiya kwako. Mune zvimwe zviitiko, chirongwa chekubhadhara chikwereti, asi chipatara kana chiremba chiremba anobatanidzwa mune zvekugadzirisa mari.
Zvimwe zvipatara zvinogona kupa chirongwa chokubhadhara chebasa ravo, asi chirongwa chirongwa chekubhadhara kwemwedzi uye chekutanga chinopedzwa nekuvhiyiwa kwenguva kunowanikwa.
Muchiitiko chekuvhiyiwa kusina kurongerwa kana kuvhiyiwa kwekukurumidzira kana chirongwa ichi chiri kuitwa kune murwere asina uninsured, zvipatara zvinokurudzirwa kwazvo kutanga chirongwa chokubhadhara nevarwere vanoda. Kubhadharwa kwemwedzi, kunyange kana kusiri kwekukura, kune kukwezva kune dhipatimendi rekubhadhara kupfuura pasina kubhadhara uye zvinogona kuita kuti chikwereti chirege kuonekwa pamushumo wekwereti yako seyo nhoroondo isina kunaka.
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Deredza Kudhura Kwakaitwa Nokuvhiya Nokuva Nezvekuvhima Munyika Yose kana KuporesaAnozivikanwa sehutano hwezvokurapa kana kuvhiyiwa kune dzimwe nyika, kune nzira ichangobva kuitwa pakuvhiyiwa ndeyokutsvaga hutano kunze kweUnited States. Kuvhiya kune dzimwe nyika inenge nguva dzose isingadhuri uye mune dzimwe nzvimbo mari inonyanya kudhura. Mune dzimwe nzvimbo, zvinodhura zvinokwana 75% zvishoma pane izvo zvinotarisirwa kuti zviitwe kumba.
Vanachiremba vanobva kunze kweUnited States vatanga kushingaira kutsvaga varwere vanoda kuendesa kurapwa kwavanoda, vachizvikurudzira ivo nemamwe mawebhusayithi nezvimwe zviziviso. Mune zvimwe zviitiko, vanachiremba vaiva mubvunzo vakadzidziswa munzvimbo dzakanakisisa dzeAmerica, uye vane dzidzo imwe chete, kana kuti iri nani, kudzidzira kupfuura vanovhiya vanoita muUnited States.
Kuvhiyiwa kwenyika yose hakufaniri kutorwa zvishoma uye kunofanira kunyatsoongororwa. Mukuwedzera kune zvikwangwani zvechiremba, izvo zvinofanirwa kusimbiswa, nzvimbo iyo yaunenge wapora inoda kuongororwawo zvakare. Kunyange zvazvo chiremba chiremba ichikosha zvikuru kune chigumisiro chekupedzisira chekuvhiya, chikamu chekudzorera chetsika chinofanira kushandiswa nevashandi vakarovedzwa zvakanaka.
Zvakakosha kuti chiremba chiremba ave ane unyanzvi hukuru, asi munhu ane hanya newe panguva yekudzoka kwako zvakakosha. Vanofanira kukwanisa kuziva chero zviratidzo zvinonyevera kana zvinetso zvinogona kuitika uye kuzivisa chiremba wako. Yeuka, chiremba wako chiremba anongova unyanzvi sevashandi vanokutarisira musipo.
Mamwe makambani emishuwarisi ari kutobhadhara kutarisa kwezvokurapa kune zvinodiwa maitiro, sezvo mari yavari kwavari inoshamisa kudarika zvinowanzoitika. Iwe unoda kuzokurukura izvi nevamiririri vekambani yeinishuwarenzi kuti uwane mamwe mashoko.
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Makadhi Makadhi Angave Mukana Wokutsigira Kuvhiya KwakoNekudenga-yepamusoro yemari inokweretwa iyo makadhi emarikwereti, sarudzo iyi haisi kazhinji inokwezva, asi chisarudzo chekupedzisira kusarudza. Zvimwe zvikwereti zvekwereti zvinodarika chikamu che 22% chido, chiyero chinoshamisa pakwereta mari yakawanda inoda kuvhiyiwa. Mune zvimwe zviitiko, mutengo wekufarira unokosha zvikuru kudarika izvozvo, uchipa sarudzo yakanyanya kunaka yekubhadhara chirwere. Chikamu chako chekadhi rechikwereti chichareva zvakajeka kuti iwe unotora mutengo wegore negore, asi zvingave zvichikwanisika kuva nemari yakaderedza, zvichienderana nekambani.
Kana wakaneta zvaunosarudza uye unofanira kushandisa kadhi rechikwereti, unofanirwa kuziva kuti chii chauchabhadhara iwe mushure mekubhadhara chirwere.
Kana uine makadhi akawanda, iva nechokwadi chokuti uchishandisa kadhi iri nechokuderera kune chikwata uye usanonoka kutamisa chikamu kana kadhi rakasiyana rinopa chikwata chinokwezva. Makambani akawanda emakadhi achapa rubatsiro ruduku-chikwereti kuendesa mberi kuti uwane bhizinesi rako, uye ozosimudza madhigiriji kumazinga akaenzana mushure memwedzi mitanhatu. Kana uine makadhi akawanda, unogona kuchengetedza chikwereti chako chekuda kusvika kune zvishoma kuburikidza nekuendesa chikamu kana mukana uchisimuka.
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Kuchinja Inishuwarenzi kana Kunyange Mabasa Anogona Kukuponesa Zviuru zveDhoraKana yako yemainishuwarenzi yemazuva ano ine kubviswa kwekuvhiya kwako, asi chirongwa chehu inshuwarisi chakasiyana chichabhadhara iyo nzira, iwe ungada kufunga kugadzirisa zvirongwa zvehushuwarisi. Kune vanhu vakawanda izvo zvinoreva kushandura mabasa, asi iwe ungasafanira kutora danho rakakura. Kana iwe wakaroorana uye inshuwarisi yako isingabhadhari nokuda kwekuvhiyiwa, asi kuda komurume wako, iwe unogona kuponesa zviuru zvemadhora kuburikidza nekushandura inshuwarisi yemumwe wako.
Makambani akawanda anorindira kusvikira munaJanuary kuti aite shanduko kune inshuwarisi yavo, asi vamwe vanogona kuchinja panguva imwechete yegore. Iva nechokwadi chekubvunza pamusoro pekupi kuchinja kunouya. Iwe unogona kuwana kuti apo mutemo mutsva unotanga, kugoverwa kwako kwakashanduka kana kutamira kune imwe yveshuwarisi. Mumamiriro ezvinhu aya, inobhadhara kutsvaga izvo kambani itsva kana mutemo unopa. Unogona kuwana kuti unoda kuronga upiyona wako usati wachinja kuitira kuti uchengetedze mari, kana iwe ungava wakachenjera kumirira, zvichienderana nekushandurwa kwehuwandu uye yemari yemari.
Shoko Rinobva
Kuvhima kunodhura asi kune nzira dzekuvhiya zvinogona kuitwa pasina inshuwarisi kana pasina rubatsiro kubva kune inshuwarisi yako. Zvimwe kuronga zvinogona kuita kusiyana kukuru muhukuru hwebhadharo yako, uye kunyange zvikwereti zviduku mwedzi mumwe nomumwe zvinogona kudzivirira mishonga yako yezvekurapa kuti irege kuparadza chikwereti chako.
> Kwakabva:
> Kiplinger. Apo Utano Hwako Hwemuteresi Husingabhadhari.