Muverengi, uyo ari chiremba anouya , akabvunza mibvunzo pamusoro pemari yemurairi sezvo ichienderana nehukuru hwemusha maererano nehuwandu hwevanhu. Vanachiremba vanowana zvakawanda mumataundi maduku kana maguta makuru, uye nei?
Mukutaurirana nezvekubhadharwa kwechiremba, kushandiswa kweshoko rokuti "mubhadharo" kunogona kutsausa, sezvo vanachiremba vazhinji vasingashandisi, uye havabhadharwi mubhadharo waro.
Vakawanda vanachiremba (vanopfuura 50%) vari mubhizimisi ivo pachavo, vane chiziviso chepachivande zvachose kana chikamu, kunze kwekushandiswa nechipatara kana boka. Kunyange kune vanachiremba vanoshanda, mari yavo inotungamirirwa nehuwandu hwenyika, hupfumi, uye huwandu hwevanhu, zvakadai sekuchengetedzwa kwakachengetedzwa uye kubhadharwa kwehushuwarisi, iyo inogadzirirwa nemasangano evanhu vatatu nemitemo yehurumende.
Maererano neAradic Group Management Association (MGMA) iyo inotarisa kuongororwa kwegore negore uye kuongororwa kwechiremba mishonga, vanachiremba vazhinji vanowana mari yakawanda mumharaunda iyo iri pasi pemamiriyoni maviri muhuwandu hwevanhu. Munzvimbo dzakawanda dzinokosha, vatengi vakanyanya kuwana vanowanikwa mumaguta e 50,000 kusvika ku 250 000 muhukuru, maererano neMADMA nhamba.
Izvi zvakasiyana-siyana mubhadharo zvinokonzerwa nezvikonzero zvakasiyana:
Kupikisana
Mumakwikwi kusvika kumapakati emasikirwo akaenzana, kukwikwidzana kubva kune vamwe vanachiremba hakusi kufanana nepamaguta makuru emaguta, ayo anowanzova "anopfuura maitiro akawanda" nekuda kwechido chechiremba kuti aende kumaguta makuru nokuda kwehukama hwemhuri kana kushanda muguta guru.
Kudzosera
Kubhadharwa kubva kumakambani einishuwarenzi kunowanzove yakakwirira mumasangano mashoma kusvika pakati. Nokudaro, chiremba mune rimwe guta guru uye chiremba mune rimwe taundi duku vanogona kuona zvakananga zvakaenzana uye mhando yevarwere, uye vanoita zvakaenzana zvekushanda, uye mumwe chiremba anokwanisa kubhadharwa zviyero zvakasiyana zvachose zvichienderana nemitengo munharaunda yavo , uye kazhinji ndiro idhoro duku reguta rinobuda mberi.
Mari dzepamusoro
Kazhinji, mari yekuita sachiremba, zvakadai sekushaya inshurensi, uye nzvimbo yehofisi, yakakwirira mumaguta makuru. Izvi ndezvokuti maguta makuru anowanzova mamiriro akasiyana-siyana kupfuura emadzinza maduku, uye kutongwa kwemhosva nguva dzose kunotadzisa mari yekushaya mari ye inshuwarisi zvakare.
Mienzaniso
Nyanzvi dzeOrthopedic Vanachiremba vanoita zvakanyanya mumaguta e 50 000 kana pasi, kazhinji. Somuenzaniso, maererano neMGMA Physician Compensation uye Nyaya Yekugadzira ya 2009, vanachiremba vemajoka mumataundi maduku vanowana mari yegore rose ye $ 502 195 uye chete $ 474,359 gore negore munzvimbo dzedunhu dzakakura kudarika mamiriyoni evanhu muhukuru. Mari yavo inowedzera inopera zvakare mumataundi ane vanhu vanosvika 250 000-1 000 000, kusvika madhora 393 402.
Gastroenterologists mumataundi maduku (pasi pe50 000) vanowana mavhareji e $ 467 927. Vanachiremba ivavo mumataundi evanhu 50 000 kusvika ku 250 000 vanowana $ 452 195 pamusana, iyo inofambisa 22% kupfuura yevamwe vavo mumaguta makuru (anopfuura mamiriyoni ehuwandu), vanowana $ 370,673 gore rimwe nerimwe paavhareji.
Dermatologists inowanikwa zvikuru mumataundi e50,000-250 000 ane mari yemadhora anenge $ 395,159. Munharaunda huru dzemaguta, dermatologists inowana madhora 50 000 pasi peiyo, nemari yepakati pegore ye $ 340.317 mumaguta ane vanhu vanopfuura mamiriyoni.
Mumaguta ari pasi pe50 000 muhukuru, mbeu dzinowana $ 356,624, maererano neMGMA 2009 Physician Compensation uye Production Survey.
VanaCardiologists mumataundi maduku kusvika pakati pezana vanowana chero kupi zvako kubva pa17 kusvika kune 25% kune avo vari mumaguta makuru. Izvo zvinowanikwa mari yakawanda zvinogona kuenzanisa nekusiyana kwemadhora madhora 150 000 gore negore kune mamwe mapadiologist munharaunda duku! Nyanzvi dzinoona nezvehutachiona dzinoona zviitiko zvinoshamisa zvikuru zveguta reguta pamari, semuenzaniso, nemari mizhinji yemadhora 609,041 mumataundi maduku (pasi pevanhu 50 000), uye $ 462 820 mumaguta makuru (kune vanopfuura mamiriyoni evanhu).
Pamusoro pane mienzaniso miviri.
Nyaya yacho inoramba ichienderera mberi, asi izvi ndezvishoma pane mienzaniso inoshamisa. Hasi zvisikwa zvose zvinoona kusiyana kwakadaro kwakanyanya, asi zvinenge zvese zvakasarudzwa zvinoona pfuma inobhadharwa mumataundi maduku, kunyanya avo vari muhuwandu hunokwana hwe50,000 kusvika 250 000 muhuwandu, iyo ndiyo inonyanya kubhadhara nzvimbo yepamusoro. Sekuwedzera bhonasi, kunze kwekuwana mari yakawanda gore roga rega, vanachiremba munharaunda shomanana vanowana zvakawanda mari yavo, kuwana mari yakawedzerwa nekugadzirisa mamiriro ezvinhu emari kune vanachiremba vanoshanda mumaduku maduku kana pakati pevanhu.