Zvinyorwa zvekuwana Mental Health Coverage
Mishonga yehutano hwepfungwa inogona kuva inodhura, ingave iri pfupi inguva yakaoma kana chirwere chisingaperi. Kana iwe uine utano hwehutano hwepfungwa, mari yekunze-ye-pocket ingakonzera kuti uregerere kutarisira iwe unoda, kana kuti ushandise mashoma mashomanana kuchengetedza mari. Kana iwe uine utano hwehutano hwehutano, mutoro wokubhadhara chikamu chako chemari inogona kuwedzera kushushikana munguva yekare inonetsa.
Pamwe nekutarisa hutano hwehutano hwepfungwa iwe ungasave uchiziva kuti iwe unayo, hezvino zvimwe zviwanikwa zvekuwana hutano hwehutano hwehutano kana iwe usina, uye mazano ekuwana zvakanyanya muhutano hwehutano hwepfungwa iwe uchiita.
Vashandi Vanobatsira Purogiramu
Washandi wako anogona kupa hutano hwepfungwa mukati meHurumende Assistance Program. EAP mibairo inobhadharwa newaunoshandira, kuwana mazano kunowanzosununguka, uye dambudziko raunotsvaka kubatsirwa naro harifaniri kunge rakabatana nebasa. Kunyange zvazvo EAPs isati yakagadzirirwa kupa chirwere chenguva refu, unyanzvi hwehutano hwepfungwa huchaongorora zvaunoda, kutanga chirongwa chekugadzirisa uye kupora kwenguva pfupi, uye kupa hurumende kana maEAP masangano asina kukwana kugadzirisa nyaya yacho. Chengetedza mushandi wako anobatsirwa nebhuku kana kuti akadana yako mahofisi ehofisi kuti uone kana iwe une EAP.
Mazano:
- Kana iwe wakaneta yako EAP pasina rubatsiro uye unoda rubatsiro rwakawanda, bvunza kana mushandirwi wako akaronga kusarura kunze kwe-pocket mazinga ekuramba uchichengetedza kubva kune unyanzvi hwehutano hwepfungwa hwakapa EAP yako mabasa. Kubatana nehumwe nyanzvi yehutano hwepfungwa kuchakuchengetedza nguva inodiwa yekuvaka hukama nemumwe munhu mutsva. Iwe uchachengetedzawo mari yeimwe yekutanga kuongorora.
- Iko EAP yako yekusununguka inobatsira kutsvaga gore negore. Kana iwe wakaneta zvose zvaunobhadhara pachena gore rino, tarisa neEAP yako muteveri pakutanga kwegore rinotevera. Iwe unogona kuwana iwe unokodzera kubhadhara zvisizvo zvakare.
Maitiro ehutano hwehutano Muboka rako riripo reUtano Inishuwarenzi
Kunyange kana inshuwarano yehutano yako iripo isingatauri zvakananga nezvehutano hwehutano muchirongwa chemugadziro, inogona kuendesa hutano hwehutano hwehutano mukati mehutano hwehutano hwehutano hwezvipo.
Tarisa maitiro ehutano hwehutano hwematongerwo enyika mabhuku ezvimwe zvakanyanya pamusoro pemishonga yehutano yehutano inogona kupa.
Mazano:
- Kana wako waunoshandira achipa sarudzo yeurongwa hwe inshuwarisi, tarisa hutano hwehutano hwechinhu chimwe nesarudzo nokungwarira panguva yako yekunyora yakasununguka. Chirongwa chinodhura chinopa hutano hwehutano hwepfungwa chingagone kukuchengetedza mari pane chirongwa chisingabatsiri pasina hutano hwepfungwa.
- Kana wako waunoshandira asina kupa hutano hwehutano inshuwarani, ona kana inopa Flexible Spending Account. An FSA inokubvumira kuisa pamusana pekutengesa kwemari mari yekubhadhara kune yakakodzera kunze kwe-podhazvino mari yakadai sepfungwa, chirwere chepfungwa, nekurapa mishonga. Izvi hazvideredzeri mari yekuzvitarisira iwe pachako, asi iwe uchaponesa nokusabhadhara mutero wemari pane FSA mari yaunoshandisa kubhadhara kutarisira.
Kutengesa Mental Health Insurance
Inishuwarenzi yehutano hwepfungwa inowanzotengwa mukati mehutano hwehutano hwehutano inshuwarisi. Iwe unogona kutarisa nehutano hwehutano hwehutano hwehutano kune chirongwa cheBobamacare, kana kushandisa shanduri iyi kuwana mitemo yega iwe inowanika munharaunda yako iyo isingabhadharwi pakutsinhanisa. Yese inshuwarisi yehutano yehutano yakatengwa mushure meJanuary 1, 2014 kuburikidza nekutengeserana kunorayirwa neAne Affordable Care Act inofanirwa kupa hutano hwepfungwa.
Zano:
- Kana mari yako inowedzera, iwe unogona kubhadhara kubatsiriko kubhadhara mitero yemishonga yehutano yehutano yepamwedzi kana ukasarudza chirongwa chehutano pane yako Affordable Care Act yehutano inshuwarano.
Zano:
- Kana uine chirongwa chehutano hwehutano hwehutano husingaiti hutano hwehutano hwepfungwa, funga kuchinja kuHigh-Deductible Health Plan iyo inobata hutano hwehutano hwepfungwa. Kana chikwereti chakaderedzwa cheHDHP chiri pasi peiyo yegore rega iri kunze kwemari, unogona kubuda mberi. Mazhinji eHHHP anogona kuiswa pamwe neAalth Savings Account, achikubvumira kuti ubhadhara mari yakabhadharwa nemutengo usati watere.
Medicaid
Kana ukasangana nemari uye imwe mvumo yekufanirwa, unogona kukodzera kuMedicaid. Medicaid mapurogiramu anotungamirirwa nehurumende imwe neimwe, saka zvinobatsira zvinosiyana kubva kune imwe nyika kuenda kune imwe nyika. Zvisinei, vamwe vanoti inopa humwe hutano hwehutano hwehutano huri mukati mehutano hwehutano hwehutano inshuwarisi.
Medicare
Kana uine makore makumi matanhatu nemashanu kana kupfuura, unogona kunge uchikodzera Medicare. Medicare inopa hutano hwepfungwa nokuda kwekurapa kurapwa, kurapwa kwemishonga, uye kuburikidza neMedarere chikamu D chemishonga inorayirirwa. Kana uine chirongwa cheMedare Advantage, (Medicare chikamu C), iwe uchada kutarisa hurongwa hwako kuti uone zvakananga zvehutano hwepfungwa dzako.
Zano:
- Chimwe chikamu chemishonga ye Medicare Advantage inonzi Special Needs Plans inogona kukubatsira iwe kana uine hutano hunokosha hwehutano hunodiwa. Mukuwedzera pakupa rubatsiro rweMedare Advantage rinokosha, SNPs inopa huwandu hwakawanda hwemamiriro ezvinhu chaiwo, kusanganisira mamwe marudzi ehutano hwepfungwa. Semuenzaniso, utano hwepfungwa SNP hunogona kukupa kuti uwedzere kusarudzwa kwehutano hwehutano hwepfungwa uye kuwirirana kwakanaka kwehutano hwepfungwa dzako nekurapa kwako.
Kuremara
Kana uine chirwere chisingaperi, chirwere chakakomba chepfungwa chinoita kuti zvibvirire kushanda, unogona kunge wakakodzerwa nehurema hwekubatsira. Kunyange zvazvo rubatsiro rwekuremara haruiti nyore kusanganisira inshuwarano yehutano, mushure mokugamuchira rubatsiro rwekuremara kwemakore maviri iwe unogona kuve wakakodzera kuMedare, kusanganisira Medicare's health health benefits, kunyange iwe usati wava nemakore 65. Kana akaremara, iwe unogonawo kukodzera kuMedicaid, kusanganisira hutano hwepfungwa dzakapiwa nehurongwa hweMedicaid yenyika yako. Kushandisa kuremara kunogona kuva nguva yakareba, yakaoma uye inonetsa, saka iwe unofanira kungozviona chete kana hutano hwako hwepfungwa huri kukanganisa zvechokwadi.
Veterans Administration
Kana wakashanda muuto rehondo, unogona kunge wakakodzerwa nehutano hweHIV huripo, kusanganisira hutano hwepfungwa. VaAve vane zvirongwa zvakawanda zvehutano hwehutano hwevaimbova nhengo dzeArmed Services.