Ndinosarudza Sei Zvakanaka Zvevashandirwi Kwemhuri Yangu?

Matanho ekusarudza Izvo Zvakanakisisa Utano hwemhuri Mhuri

Nezvikwereti zvehutano zvehutano pavanomuka uye boka revanoshandira vanobetsera zvirongwa zvishoma zvishoma maererano nehuwandu hwekugoverana (mushure mokunge kunze kwezvokugadziriswa kwehomwe inosangana), vashandi vakawanda vakazviwana ivo vachirwisana kusarudza kodzero yakanaka yekuzadzisa mhuri. Zvine kuchenjera here kungogamuchira boka rezvikomborero zvakapiwa nemushandirwi, kana kusarudza hurongwa hunoitwa nehurumende inotenderwa pamisika - kushandisa mari yekubhadhara mutero uye rubatsiro rwehurumende?

Zvadaro, pane mubvunzo wekuti inishuwarenzi yehutano ichakwanisa here kuvhara vapeji kana kana mhuri inofanira kutsvaga mvumo isati yatora utano hwehutano hwakaitwa.

Zvipingamupinyi Pakusarudza Zvakanaka Zvibereko Zvemhuri

I-Affordable Care Act (ACA) yaifanirwa kubatsira mhuri kuti dziwane inshuwarhu yehutano yakaderera uye hutano hwakanaka, asi ichitsigira kushandisa kwenguva refu kushandiswa kwehutano. Zvinosuruvarisa, mhuri dzakawanda dzave dzichitarisana nezvikwereti zvisingakwanisi kutengesa, uye zvakasiyana-siyana zvekuedza paunenge uchiedza kuwana zvikwereti zvehutano hwehutano hwakakwana.

Pamusoro pezvo, kushamisika mabhizimisi ekurapa inowanzoitika nokuti vatengi vari kuona zvakaoma kunzwisisa zvirongwa zvitsva. Imwe tsvakurudzo yeKaiser Family Foundation yakaratidza kuti, "zvinenge zvinomwe kubva kune gumi zvevanhu vane zvibvumirano zvisingabvumirwi kunze kwe-network mabhizimisi ezvokurapa vakanga vasingazivi kuti mutapi wehutano akanga asiri muurongwa hwavo hwepano panguva yavakagamuchira kutarisirwa."

Ichokwadi kuti nyaya idzi dziri kushandiswa sezvo shanduko yehutano hunochinja mararamiro emaropafadzo. Kutaura naHr admin mutungamiri kuti agadzirise zvinetso zvakadai, uye kushanda zvakasimba pamwe nekubatsira kubatana kunogona kubatsira.

Mirayiridzo Yekusarudza Mazano Akanaka Mhuri

Paunenge uchiita sarudzo yekutenga mari yemhuri, kune dzimwe nzira dziri nyore kuti uite.

Zvakakosha kuisa nguva pamwe chete nemumwe wako kana muvakidzani wako kuti muite izvi.

1. Sarudza kuti chii chinoita kuti utano hune simba kana zvinangwa zvinoda kutarisirwa gore rino. Usati wanyora kuzarura, mhuri yako inofanira kuva nemafungiro akanaka ezvimwe zvehutano zvinoda kutarisirwa gore rino. Kunyange kana izvi zvichitarisira kuchengetedza, pane zvimwe zvinangwa zvehutano zvinokurukurwa. Zvinhu zvakadai sekuzvitakura, zvirwere zvisati zvavapo, uye zvimwe zvinoda kuwedzerwa.
2. Ongorora uye oenzanisa zvose zvirongwa zveEOB zvakanyatsonaka. Iwe unogona kunge uine ruzivo rwekufambisa, asi nzvimbo yakanakisisa yokutanga ndeyokuunganidza tsanangudzo yezvirongwa zvese zvezvinyorwa zvinobatsira izvo zvinongorore ruzivo rwezvakabatsiri pane hurongwa humwe. Tora izvi kubva kune vose vakaroorana. Zvino enda kuburikidza navo kuti uone hurongwa hwepurogiramu, iyo inobviswa, uye kunze kwehomwe mari yekushanyira mahofisi, ER kushanya, nemirairo.
3. Enda kuburikidza nenzira yekubvunzurudza nezvenyika yepamusika mari inobatsira. Iye zvino, tungamira mberi kune webhusaiti yehutano hwekugadzirisa hutano uye uwane nzvimbo yako yepamusoro yemisika. Pinda uye tanga kuisa maitiro evanhu vemhuri yako, kusanganisira mari yako yegore negore, uye nhengo dzose dzemhuri mumba mako iwe uchave uchifukidza. Iwe uchaguma uchingowana zvinyorwa zvitsva, uye iwe unogona kudzokorora aya EOB pamwe chete nezvako iwe uchitova nazvo.

1. Sarudza zvirongwa zvekuchengetedza hutano izvo zvinopa zvishoma zvinotarisirwa kugoverwa, pamatunhu akakwirira. Enda neurongwa hwehutano hwehutano hunokupa iwe zvakanakisisa zvinokwanisika zvikamu zvekuvhara zviyero zvemaketani ako, zvishoma zvishoma kubva muhomwe yemari uye zvakabviswa, uye zvakanakisisa zvinowanikwa mumhuri yako. Zvimwe zvirongwa zvinogona kupa zviyero zvakafanana, asi premium yemwedzi ichave yakasiyana. Kana iwe ukapiwa rubatsiro rwehurumende, unogona kuwana urongwa hwakaenzana kana huri nani pane zvaunoshanda panzvimbo yako zvisingabhadhari iwe.
2. Shingairira iyo kambani Health Savings Arrangement mangwanani. Kana ukangosarudza chirongwa chakakodzera chekuchengeta utano hwemhuri yako, kana iri chirongwa chekuchengetedza kwehutano chakanyanya kubhadharwa, ezvo unyoresa kune kambani inotsigirwa Health Savings Arrangement ikozvino. Iwe uchachengetedza mari nokutenga chero zvinyorwa zvese uye kubhadhara mari isiri iyo yakavharwa uchishandisa mari isati yasvika.