Vanhu vakawanda havafariri kufunga nezverufu kana gadziriro dzemariro, asi vamwe vanhu vanoronga kuti kana vapfuura. Semuenzaniso, vamwe vanhu vanosarudza kutenga "pre-paid mariro makondirakiti." Aya maitirwo anokubvumira iwe kuita sarudzo pamusoro pemariro ako pachako, uye kubhadhara iyo nguva isati yasvika.
Izvi zvibvumirano zvepre-paid zvinopa vamwe vanhu rugare rwepfungwa. Asi usati watenga chibvumirano chakadaro, chengeta nyaya dzinotevera mupfungwa.
Kutanga, pasi pemutemo weOhio, kondirakiti yemariro yakabhadharwa inofanirwa kugara ichinyorwa. Usapa mari chero ipi zvayo kana mukuru wemariro akasakupa kondirakiti yakanyorwa. Kondirakiti yakanyorwa inofanira kusanganisira chirevo chemabasa emariro awatenga.
Chechipiri, kontrakiti yemariro inogona "kuvimbiswa" kana kuti "isina kuvimbiswa." Pasi pechibvumirano "chakavimbiswa", imba yemariro inovimbisa kupa masevhisi emariro awakasarudza pamari yawakabhadhara panguva iyoyo. Hazvina basa kana mutengo wemasevhisi ukawedzera gare gare. Imba yemariro haigoni kukumbira mhuri yako imwe mari.
Zvisinei, chibvumirano "chisina kuvimbiswa," chakasiyana. Kana zvakadaro, imba yemariro inogona kubatirira mari yako uye kuramba kuita mabasa amariro awakakumbira kana mari yawakabhadhara isingakwani kuti ubhadhare mutengo panguva yaunofa. Chibvumirano chakanyorwa chinofanira kukuudza kana kontrakiti "yakavimbiswa" kana "isina vimbiso." Gara uine chokwadi chekubvunza kuti ndeipi.
Chechitatu, unogona kukanzura chero kondirakiti ye pre-yakabhadharwa mariro masevhisi kwemazuva manomwe mushure mekuita kondirakiti. Mushure memazuva manomwe ekutanga, iwe unogona chete kudzoserwa mari yako kana iri "revocable" chibvumirano. (Kunyange kana kontrakiti yako ichibviswa, imba yemariro kazhinji inogona kuchengetedza chikamu chemari yakabhadharwa.)
Vamwe vanhu vanoda kuti kondirakiti yavo ive "isingachinjiki" - zvichireva kuti havagone kuidzima mushure memazuva manomwe ekutanga. Muchokwadi, kana uri kutenga pre-yakabhadharwa chibvumirano chekuviga kuti upedze pasi pfuma yako kuti ukwanise kuMedicaid, kondirakiti yacho inofanira kunge isingachinjiki. Kondirakiti yakanyorwa inofanirawo kukuudza kana kondirakiti "inodzokororwa" kana kuti "isingachinjiki." Gara uine chokwadi chekubvunza kuti ndeipi.
Paunenge uchifunga nezvechibvumirano chekuviga kwekare, iva nechokwadi chekuwana ruzivo rwese uye uverenge zvinyorwa zvakanyatsonaka. Usasaine chero chinhu kusvikira wava nechokwadi chokuti zvinokupa mabhenefiti auri kubhadhara.
Ichi chinyorwa chakanyorwa naRebecca Maurer uye chakaonekwa mukati "The Alert" Vhoriyamu 33, Chinyorwa 1, muChirimo 2017. Dzvanya pano kuti uverenge yakazara PDF yemagazini ino!