Ichi ndicho chikonzero zvakakosha kunyatsorongedza makwikwi evashandi vanobhadhara purogiramu uye kunzwisisa kuti vanogona sei kukubatsira kuti uwane hutano hwako uye zvido zvemari.
Sezvaunotenderera mberi kutsvaga basa, hezvino zvinhu zvinowanzowanzogadziriswa zvinoshandiswa nevashandi zvinosanganisira:
Gavhuna Mubhizimisi Vanobatsirwa Nemazamu Emitemo
Paunofunga nezvezvipo zvinopiwa neunoshandira mushandirapamwe, funga nezvemwedzi wega wega kana kubhadhara mari yaunenge uine mhosva uye izvo waanoshandira anobvumirana nazvo. Kunyangwe kana ma-premium ari kubviswa kubva pamari yako yekare isati yateresi, izvi zvinogona kukanganisa mari yako yegore negore uye kutora chikwereti chemusha. Iva nechokwadi chokuti iwe unonzwisisa kuti zvakadini zvakatemwa izvi zvichava.
Iwe unodawo kutarisa gore negore kubva muhomwe deductible, iyo inogona kunge yakareba se $ 10K nemunhu wepurogiramu yepamusoro yezvokurapa kwehutano, kusvikira iwe uchiziva kuti mari yako yunivhesiti ichabhadharai mari yekurapa. Iwe unoda kuziva kana zuva rekuparidzira rinotanga, apo pavanopera pavakasiya basa, uye kana pane zvipi zvechirango chokumirira kusvikira gore rekunyora rakasununguka panzvimbo pekubhadhara.
Kana iwe uine chirwere chekurapa iye zvino, unogona kuda kuona kana basa racho rinouya neurongwa huri nani kana iwe uri nani pane wakamirira kushandisa gore rako rose kubva muhomwe rakabviswa gore rino. Izvi zvinogona kunyanya kukosha kana iwe unotarisira nzira inodhura yekurapa inouya kana kuberekwa kwomwana.
Kunzwisisa Dhigiriro Rokurapa uye Rokuzvidira
Chirongwa chega rega uye chirongwa chekuzvidira chichava nechero chaiyo yekugadzirisa nekushandisa mitemo. Kunewo zvirongwa zvakasiyana zvakasiyana-siyana, zvakadai seHealth Maintenance Organizations uye Zvimwe Zvokupa Zvokupa. Iwe unogona kukwanisa kushandisa vanachiremba vakafanana uye nzvimbo dzehutano nzvimbo dzauri iko ikozvino kana dziri mumutambo. Asi kana ivo vasipo, unogona kubvunzwa kusarudza mutsva wekutarisira wekutanga uye kushandura kune imwe nzvimbo yekutarisira utano.
Ramba uchiyeuka kuti dzimwe zvirongwa zvingave zvisingakwanisi mumhando dzemishando inopiwa, zvakadai sekuchengetedza nguva dzose nekutarisira utano hwepfungwa. Zvimwe zvirongwa zvinopa rusununguko rwokudzivirira kuchengetedza zvinhu zvakadai semammograms, chirwere chechirwere, nezvimwewo. Hasi mapurogiramu ose anosanganisira kuwanika kushandiswa kwechirongwa chezvinyorwa. Usati wagamuchira izvi zvibatsiro, sangana nemukuru wevanhu kuti uwane mamwe mashoko pamusoro pekugadzirisa zvirongwa, uye mitemo.
Wana Mashoko paIkambani Anofanirwa Kubhadhara Purogiramu
Paunenge uchisarudza kutora basa kana kwete, kunzwisisa kana kambani inopa chero mararamiro emari ekugadzirisa mari seurongwa hwekuchengetedza mari, mari yekutengesa, inshurensi yekuremara, uye mamwe maitiro ekudzivirirwa kwemari. Mamwe makambani anosangana nemipiro yevashandi mari-ye-dollar ( pasina mari !), Nepo vamwe vachiisa chikamu chemakambani emakambani mune imwe nhoroondo yevashandi.
Funga nezvemazana ekudikanwa kwezvirongwa zvekurega basa uye kana izvi zvichizvidira kana purogiramu inogamuchirwa. Dzimwe makambani anoda kuti vashandi vose vabatanidze muzvirongwa zvekuchengetedza mari, vachidhura zvakanyanya se5 kubva muzana yemari yakawanda mwedzi mumwe nomumwe kuti vawane mari iyi. Uyezve, pakutsvaga kwebasa rako, fungisisa kuti kambani inobatanidza zvipi uye izvo zvakagadziriswa ndezvipi.
Dzidza Nezve Nguva Yakabhadhara Inobatsira Zvipo
Kazhinji kambani dzinoda kuchengetedza vashandi vane hutano uye vanofara, saka kunze kwezvipo zvekurapa nguva dzose, vanozopa mamwe mahedheni akadai sekupa nguva yakawanda yekubhadhara mitemo. Ichi chinhu chaunofanira kutarisa kuti uone kana uchifanira kumirira kushandisa iko kubatsiri kana kuti mazuva ekubhadhara acho anowanikwa pakarepo. Chimbofunga zvakare kana iwe uchange uine zvido zvakakosha zvekupera kwegore rino, zvakadai sezororo rakagara isarongwa kana kutora zororo rekuberekwa, usati wagamuchira basa rinopa.
Izwi kune vakachenjera - iva nechokwadi chekuyera chero hupi hupi hupi hupi hupi hupi hunogona kupiwa nekambani itsva iyo inopesana neaya inopiwa neurongwa hwemumwe wako. Iwe unogona kunge uri nani pakushandura pane chirongwa ichocho nekuda kwekubhadhara kana mari yekuvhara.