Pane zvinhu zvakawanda zvinogona kuchinja mugumisiro wesarudzo yako. Zvinokosha kuwana chirongwa chinoshanda zvakanaka kwauri.
Funga nezveZvikwereti Zvisungo uye Zvimwe
Chinhu chekutanga chekufungisisa ndechekuti hurongwa hupi huchabhadhara kuvhara mari yako. Chirongwa chakanaka hachizobatsiri hupenyu hwose. Kana chimwe chinhu chakadai sekenza chikaitika kwauri, iwe ungashamisika kuti iwe uchakurumidza kusvika sei icho chikamu. Kana iwe usina chakanaka chekushaya hupenyu huzhinji huripo, unofanirwa kusarudza nzvimbo yakakwirira yepamusoro uye yegore yaunokwanisa kutenga.
Tarisa PaZvipfeko Zvako Zvepasi
Iwe unofanirwa kutarisa kuti zvakadini deductible yako gore negore, zvakare. Iyi ndiyo mari yaunofanira kubhadhara muhomwe isati yako inshuwarisi inotanga kubhadhara chikamu chemari. Zvimwe zvirongwa zvehushuwarisi iwe unobhadhara iyo yakabviswa kare vasati vazoona kushanya kwehofisi. Zvimwe zvirongwa zvehushuwarisi zvinoda kubhadharwa kwekufambisa kwehofisi uye hazviverengi chikamu ichocho kune iyo yakabviswa.
Iwe unofanirwa kutarisa kuti mari yako yekubhadhara pamwe ne-co-inshuwarheni yakawanda sei. Mari yako yekubhadhara ndiyo yepamusoro yekubhadhara iwe unobhadhara kuenda kunechiremba, nyanzvi kana mukamuri rinokurumidza. Mari yako yekubhadharisa ndiyo chikwereti chega rega chaunotarisira iwe mushure mokunge inshuwarisi inopa chikamu chayo. Yakawanda yakawanda coinsurance yakawanda ndeye 80/20.
Inishuwarensi ichabhadhara masere makumi mapfumbamwe kubva muzana emari, uye iwe uchabhadhara makumi maviri kubva muzana yemari.
Zvadaro, funga nezvema-out-of-pocket maximums iyo hurongwa humwe hwakarongwa. Kana ukangosvika kumiganhu iyi inshuwarisi yako ichafukidza zvinhu zvose (kunze kwekubhadhara pamwe chete). Kana iwe uine chirongwa chepamusoro chehutano hwehutano hwehutano, huwandu hwako huri kunze kwehomwe hunofanira kunge hwakangofanana nekuderedza kwako. Iko kune zvirongwa zvakasvibiswa zvine ductible yakakwirira iyo inoramba ichitsvaga kubhadhara kwekubhadhara mushure mekunge iwe uchinge wawana ductible. Aya nhoroondo haazokwanisi kubhadhara mari yehutano.
- Funga nezvekutsvaga kwako, kubhadhara mari, uye co-inshuwarisi
- Tarisa pamiganhu yekugovera
- Enzanisa kunze kwe-pe-pocket
Zvose Maximum Costs
Pakupedzisira, wedzera kuti iwe uchaguma sei uchibhadhara kubva pane imwe chirongwa kana chimwe chakaipisisa chaifanira kuitika kwauri. Iva nechokwadi chekuwedzera mubhadharo ye inshuwarisi iwe pachako pane chirongwa chimwe nechimwe. Kana iwe uine hutano husina kunaka, iwe uchada kusarudza chirongwa chichakubhadhara iwe zvishoma zvishoma kubva muhomwe yegore rese. Kana iwe uine hutano huri nani, unogona kusarudza kuenda nechirongwa nemapurayamisi akaderera kana unogona kusarudza kuenda nechokuita sarudzo.
- Nzira yakanakisisa inogona kunge isingasviki mutemo unodhura zvichienderana nemamiriro ako ezvinhu
- Tsvaga nzira dzaunogona kuchengetedza kana iwe uine hutano inshuwarisi yako
- Usakanganwa kuisa zvirongwa zvinopiwa nemushandirwi wako mukutsvaga kwako.
Usatonyora Off High Deductible Insurance Options
Vashandi vakawanda vanotanga kupa hurukuro inodhaka yeinishuwarenzi. Iyi inshuwarenzi ine purogiramu yakaderera, asi iwe unotarisirwa kubhadhara zvinhu zvose kusvikira uchinge wasangana neductible yako. Iyo yakagadzirirwa inobva kune $ 1000.00 kusvika ku $ 5000.00 pamhuri pagore. Kana izvi zviri izvo, iwe unofanirwa kuisa pamari mari yakakwana yekuvhara iyo yakabviswa gore negore. Edza kudzivisa kushandisa sangano rehutano izvo zvinonzwika sehutano hwehutano asi zvinoshanda zvakasiyana uye hazvikupi kukupa zvakaenzana zvekugovera. Iwe unofanirwawo kudzivisa zvirongwa zvehuwandu izvo zvine zvakakodzwa zvakanyanya musati pekuvhara kwekutanga, asi zvino wakaramba uchibhadhara co-inshuwarisi uye kubhadhara mari.
Iyo inogona kuguma inokukweretesa kupfuura imwe yeimwe nzira.
Shandisa Zvakanyanya Muhutano Wenyu Hwehutano
Kana wawana chirongwa chakanaka, zvakakosha kuti uite zvakanyanya zvepurogiramu yako. Verenga kabhuku kanowanikwa. Iva nechokwadi chekuti iwe unonzwisisa matanho akasiyana akabhadharwa mabasa akasiyana. Somuenzaniso, x-ray inogona kuvharwa pamusana pekuchengetedzwa kwekukurumidza sechikamu chekushanya, asi haigoni kuvharwa zvizere kana chiremba wako akarayira imwe uye iwe unofanirwa kushanyira ibhi rakasiyana kuti uwane x-ray. Dana kambani yako ye inshuwarisi uye chengetedza kubhadhara musati wamboita mishonga. Enda kunechiremba wako edza kuedza kugadzirisa kuchengetedza nekukurumidza mumba. Zvakakoshawo kuti uongorore zvakanyanyisa zvikwereti zvehutano zvaunogamuchira uye kupikisa chero zvikanganiso zvinowanikwa. Izvi zvinogona kutora nguva, asi zvakakosha kuve nechokwadi kuti hauri kubhadhara kupfuura iwe unofanirwa kubva sezvo mabhizimisi ekurapa anogona kuwedzera nokukurumidza.