Nzira Yokugadzirisa Sei Inishuwarenzi Kubhadharwa Kwemari

Vatapi vezvokurapa vanofanira kutora matanho aya apo kubhadharwa kuri kuitwa

Vatapi vezvokurapa vanofanira kuziva kuti vangagadzirisa sei mari yekubhadhara mari inishuwarenzi. Kugadzirisa kwakanaka kunogona kudzivirira kushaya musoro kwekubhadharwa mari kana kuongororwa.

Chii chiri Inishuwarenzi Yokubhadhara?

Inishuwarensi yokubhadharwa mari ndeyepipo ipi inobhadharwa nemupi wei muwandisi wemari yakabhadharwa yebasa rakashandurwa.

Chii Chinokonzera Inishuwarensi Yokubhadharwa?

1. Makambani maviri einishuwarenzi anobhadhara sezvakakosha nekuda kwekushaikwa kwekubatanidzwa kwebatsiro (COB).

1. Mupiro wemupiro hauna kukodzera kana kupfuura kudhura kwaro.
2. Kuwedzerwa kuendesa kwekutsvaga kumwe kunokonzera kubhadhara kuripo.

Zvaunofanira Kuita Kana Une Inishuwarensi Yokubhadharwa

Kana ikatarwa kuti chikwereti chenyu chikwereti chinokonzerwa nekubhadhara mari yeinishuwarenzi, nzira yako yekubhadhara inofanira kutanga. Pane zvikwiriso zvitanhatu zvekudzorera zvakakwana.

1. Tumira tsamba kune kambani yeinishuwarenzi ichiita kuti vazive kuti kubhadhara mari yakawanda kwakaitwa mukukanganisa. Iwe haufaniri kutumirazve kubhadhara kune imwe kambani yveshuwarensi usingatauri navo pakutanga. Kambani imwe neimwe ye inshuwarisi ine hurongwa hwekutora zvikwereti uye kubhadhara.
2. Vabvumirei mazuva makumi matatu kuti vazopindura tsamba yenyu. Iwe unofanirwa kugamuchira mirayiridzo yekuti mari yekudzorera inofanira kuendeswa sei uye kuti inotumira kupi.
3. Kana uchinge wawana mirayiridzo yekuti ungashandura sei kubhadhara mari, ita nechokwadi kuti inotumirwa nemashoko ose anodiwa kuti uone chikwereti chakakodzera.

1. Vamwe vatsigiri vanofarira kubvisa kubva pamaketheni emangwana. Ramba uchingwarira apo izvi zvichiitika kuitira kuti iwe unogona kunyatsoona maakare akanganiswa kuratidza mutengesi uyu.
2. Kana pasina mhinduro inogamuchirwa kubva kune kambani ye inshuwarisi mukati memazuva makumi matatu, taura navo nefoni kuti uite-mberi usati waita mamwe mabasa.

1. Muchiitiko icho kubhadharwa kunokonzerwa neMedareji kana Medicaid, iyo inogona kunge yakasiyana nedzimwe vashandi veshuwarisi. Tevera mazano eCMS kune Medicare uye chengeta nehofisi yeMedicaid muhutano hwako kuti udzorere mirayiridzo.

Zvaunofanira Kuita Kana Inishuwarenzi Inokumbira Kubhadharwa Nokuda Kwokubhadharwa Kwakawanda

1. Kana iwe ukawana foni kana tsamba kubva kambani ye inshuwarisi ichikumbira kubhadhara mari, iva nechokwadi chokuti vanotsiva kudai, kana zvichifanira. Kana vakadana, vabvunze kuti vatumire chikumbiro chavo nekunyora.
2. Vamwe vatsigiri vanofarira kubhadhara mari yepamusoro kubva pamaketheni emangwana. Vamwe vanogona kukupai nguva yakareba yekupa pepa rekuongorora, kana kuti havazobhadhari mari kubva kumaketheni emangwana.
3. Kana iwe uchiona kuti chikumbiro chekubhadharwa pamusana pekubhadhara mari yakashata hakusi yakarurama, taura nekambani ye inshuwarisi uye uvakumbire kuti vatsigire kudai. Iwe unogonawo kumirira kusvikira kubhadharwa kwave kushandiswa uye kutumira kururamiswa kudai.

Inishuwarenzi Inobhadhara Zvipatara Kuvarwere

Apo mubatsiri ari kunze kwekutengesa, dzimwe zvirongwa zvehushuwarisi dzinobhadhara zvakananga kune murwere uye murwere anoratidza chekeri kune uyo anopa. Kana kuti, vanoisa cheki yacho mubhengi ravo rebhangi uye nyora cheki kumutapi. Kazhinji, kana kambani ye inshuwarisi inofunga kuti kubhadharwa kuripo kwave kuchiitwa, ivo vachawanzoonana nemurwere kuti vadzorere zvakare.