Mwana wako akura izvozvi, handiti? Unochinja sei kubva pakuchengetwa kwevana kuenda pakuchengetwa kwevakuru?

Nguva inomhanya, handiti? Pamwe unoyeuka zuva rawakaendesa mwana wako kuna chiremba wevana kekutanga. Asi, vana vedu havagari vari vadiki nekusingaperi. Nguva iri kusvika yekuti mwana wako achinje kuenda kuhutano hwevanhu vakuru. Kuchinja uku kunogona kukuomera iwe nemwana wako. Asi musazvidya mwoyo, kana tese tikagadzirira zvakanaka, izvi zvinogona kuva shanduko yakanaka yekuva munhu mukuru.

Unoda kubatsira mwana wako mudiki kuwana chiremba mutsva here?

Kana vana vakura, kureva kuti, pavanosvika pazera diki, vanogona kuwana chiremba anorapa vanhu vakuru. Tinovadaidza kuti Chiremba weKutarisira Vanhu Vakuru (PCP) . Kutaura chokwadi, kune mhando dzakasiyana dzevanachiremba:

• Chiremba wemukati kana chiremba wemukati - Ava vanhu vakadzidziswa zvakanyanya kurapa zvirwere zvevanhu vakuru.
• Chiremba wezvekurapa mhuri - Vanachiremba ava vanorapa mhuri yese, kubva kuvana vadiki kusvika kuvakuru. Saka kana mwana wako achigona kuona chiremba mumwe chete kubva pazera diki, zvakanaka.
• Chiremba Mukuru (GP) - Vanhu ava vanorapa zvirwere zvakawanda zvakajairika.

Munyika medu, vanachiremba vevana vanowanzo rapa vacheche nevana kusvika vasvika pakupera kwekuyaruka. Zvisinei, zera iri harina kufanana mune dzimwe nzira dzese dzekurapa vana. Mune dzimwe nzvimbo, havaoni vana mushure memakore gumi nemasere, mune dzimwe nzvimbo vanogona kumirira kwenguva yakati rebei. Saka, zvakakosha kubvunza chiremba wevana nezveizvi mwana wako paanosvika pakuyaruka.

Semuenzaniso, kana musina chiremba wemhuri waunofunga kuti mwana wenyu anofanira kuona, kana kuti mwana wenyu ane chirwere chisingaperi chinoda rubatsiro rwenyanzvi yevakuru, bvunzai chiremba wevana venyu varipo kuti akutumirei tsamba . Anogona kukurudzira nyanzvi yevakuru yakanaka.

Dzimwe nguva, kana mwana wako aine chirwere chisingawanzoitiki , kuremara, kana chirwere chekutanga kuvana (chirwere chinotanga muhudiki) , zvinogona kuoma kuwana PCP kana nyanzvi inorapa vanhu vakuru. Izvi zvinodaro nekuti unofanirwa kutsvaga chiremba anoda uye ane ruzivo mukurapa vana vane zvirwere izvi zvakaoma. Saka, kuchenjera kutanga kutsvaga vanachiremba vakadaro vachiri vadiki, mwana wako achiri mudiki.

Chimwe chinhu, unogona kuedza nyanzvi itsva kwenguva yekuedza.Bvunzai kana muchikwanisa kupa mwana wenyu mukana wekusangana nemi. Zvadaro, taurai nachiremba wevana wemwana wenyu wekare mokurukura kuti chiitiko chitsva chiri kufamba sei, kuti zvinhu zviri kufamba sei, nezvimwewo. Ipai nguva yakakwana yekutevera nzira iyi. Kana chimwe chinhu chikafamba zvisina kunaka, mwana wenyu achakwanisa kuona chiremba wevana vake wekare kusvika mawana chiremba mukuru akanaka uye anowirirana.

Ngatikubatsirei kusarudza muripo wehutano wakakodzera mwana wenyu.

Zvino ngatitaurei nezve inishuwarenzi yehutano. Kana mwana wenyu achitarisirwa neinishuwarenzi yenyu yehutano, zvichienderana neAffordable Care Act (ACA) , mwana wenyu anogona kuvharwa neinishuwarenzi yenyu kusvika ava nemakore makumi maviri nematanhatu. Hazvina basa kuti mwana wacho ari muchikoro chepamusoro, anogara kumba, achishanda, kana kuti akaroora. Vanogona kuvharwa neinishuwarenzi yenyu. Munyika medu, mitemo iyi inogona kusiyana zvishoma kubva kukambani yeinishuwarenzi kuenda kukambani, uye kubva kuinishuwarenzi kuenda kuinishuwarenzi. Saka, zvakanaka kubvunza kambani yenyu yeinishuwarenzi nezveizvi.

Kana mwana wako achitarisirwa nehurongwa hwehutano hunobva pabasa, kuvharirwa ikoko kunowanzopera kana mwana asvitsa makore makumi maviri nematanhatu. Saka, unofanira kutanga kutsvaga kuvharirwa kweinishuwarenzi itsva nguva isati yasvika. Kana uine inishuwarenzi kuburikidza nehurongwa hwakaita seACA Health Insurance Marketplace, sekuUnited States, unogona kuchengetedza inishuwarenzi iyoyo kusvika Zvita 31 wegore iro mwana wako anosvitsa makore makumi maviri nematanhatu. Mamiriro ezvinhu munyika medu anogona kunge akasiyana, saka verenga zviri muinishuwarenzi yako nokungwarira.

Ndezvipi zvingasarudzwa zveinishuwarenzi yemwana?

Makambani mazhinji anopa rubatsiro rwehutano hweboka sechikamu chepakeji yavo yemabhenefiti evashandi. Izvi zvinobvumira vashandi kugadzirisa hurongwa hwavo. Izvi zvinogona kusanganisira zvinhu zvakaita sekutarisira mazino, kutarisira maziso, kurapwa kwekukurumidzira, uye kurapwa kwenguva dzose . Panogonawo kunge paine chimwe chinhu chinonzi inishuwarenzi yekuremara kwenguva refu . Iyi ibhenefiti yekurapa yaunowana kana usingakwanise kushanda kwenguva yakareba. Zvisinei, izvi zvinouya nemari yekuwedzera.

Kana uine inishuwarenzi kuburikidza newaunoshandira, kureva kuti, kuburikidza nenzvimbo yako yebasa, mwana wako achafanira kubhadhara zvinotevera:

• Mari yeinishuwarenzi pamwedzi - Iyi ndiyo mari yaunofanira kubhadhara mwedzi wega wega kuti uchengetedze inishuwarenzi.
• Mari yekubhadhara pamwe chete nemari yekubhadhara kubva muhomwe yako ndiyo mari yaunobhadhara kune vanopa hutano, vakaita savanachiremba nema pharmacy. Iyi ndiyo mari yaunobhadhara chiremba kana kuti mari yemushonga yaunobhadhara kubva muhomwe yako.

Fungidzira kuti mwana wako mukuru haasisina kuvharwa nehurongwa hweinishuwarenzi yako, uye haana kana kuvharwa kwehutano kuburikidza nehurongwa hwemushandirwi wake kana hwemurume kana mukadzi wake. Kana zvakadaro, vanogona kukodzera kuvharwa pasi pechirongwa chinonzi COBRA (Consolidated Omnibus Budget Reconciliation Act) . Uyu mutemo weU.S. unorayira makambani ese einishuwarenzi yehutano kuti awedzere kwenguva pfupi kuvharwa kwezvirongwa zvavo zveboka kusvika kumwedzi makumi matatu nematanhatu kune vanhu vaimbove vanovimba navo.

COBRA haingoitiki yoga. Mwana wako anofanira kunyorera. Zvakare, unofanira kunyorera nekukurumidza nekuti nguva yekukodzera ishoma. Asi yeuka, ichakutorera mari yakawanda kupfuura mari yawakabhadhara pamwedzi semunhu anotarisira chirongwa chako.

Kunyangwe pasina hurongwa hweCOBRA hwakaita sehwu munyika medu, mamwe makambani einishuwarenzi anogona kupa zvirongwa zvakasiyana-siyana semhinduro kumamiriro ezvinhu akadaro. Saka, tarisawo izvozvo.

Imwe sarudzo ndeyekusarudza muripo wehutano hwemunhu wega wega kuburikidza neMarketplace paHealthCare.gov muUnited States. Zvirongwa zvakawanda zvinoenderana nemari inowanikwa nemwana wako mukuru. Zvinotsigirwawo kuti zvive nyore kutenga. Munyika medu, unogona zvakare kuwana mapolisi einishuwarenzi emunhu wega wega kuburikidza nemakambani einishuwarenzi akazvimirira. Unogona kuwana rumwe ruzivo nezvawo kubva kukambani yega yega.

Zvinhu zvekufunga nezvazvo zvakanyanya

Kune dzimwe nyaya dzakakosha, uye zvakanaka kuti tizivewo nezvazvo.

Makambani einishuwarenzi haawanzo ramba kuvharirwa kana kubhadharisa mari yakawanda kune mumwe munhu ane chirwere chakambovapo (uyu mutemo munyika dzakawanda, uye unogona kusiyana zvichienderana nemitemo yeinishuwarenzi yako, saka bvunza nezvazvo kana wawana inishuwarenzi yako). Kana mwana wako aine zvinodiwa zvehutano , inishuwarenzi yako inogona kunge iine chikamu chakakosha chevana vakaremara vakuru . Izvi zvinobvumira vana vakaremara vakuru kuti varambe vari pachirongwa chevabereki vavo pasina zvirambidzo. Tarisa kuti uone kana kambani yako yeinishuwarenzi ichipa izvi.

Vana vakuru vane hurema vanogona kuvharirwa kuburikidza nezvirongwa zvehurumende zvakaita seMedicaid kana mari yavo isingakwani kubhadhara mari yekurapa, kana kana vachikodzera/vachiwana rubatsiro rwakaita seSupplemental Security Income (SSI) sezvakaita muUnited States. Munyika medu, Dhipatimendi reSocial Services rinopa mabhenefiti akasiyana-siyana nerubatsiro kuvanhu vakaremara. Unogonawo kutarisa izvozvo.

Inishuwarenzi Yekuremara Kwevanhu (SSDI) muUnited States ndeyevanhu vanoremara vasati vasvitsa makore makumi maviri nemaviri.Unogonawo kukodzera kuwana SSDI. Mabhenefiti aya anopiwa vana vakaremara vane vabereki vakabhadhara mari muSocial Security muhupenyu hwavo hwese hwekushanda. Kana vabereki vakafa, vakarega basa, kana kuti vari kugamuchirawo mabhenefiti ekuremara, vana ivavo vanogonawo kukodzera kuwana mabhenefiti aya. Mushure memwedzi makumi maviri nemana yeSSDI, vanogonawo kukodzera kuwana Medicare, chirongwa cheinishuwarenzi yehurumende yeU.S.

MuSri Lanka, kunewo zvirongwa zvakaita seEmployees Provident Fund (EPF) neEmployees Trust Fund (ETF) zvinopa mamwe mabhenefiti kune zvimwe zvinodiwa pakurapwa. Zvakakoshawo kuyeuka kuti mabasa mazhinji anowanikwa mahara kana nemutengo wakaderera kuburikidza nehurongwa hwezvipatara zvehurumende.

Ungabatsira sei mwana wako mudiki kuti ave murwere ane mutoro?

Hutano hwevanhu vakuru hwakavakirwa pamutoro wemurwere . Izvi zvinoreva kuti zvese kubva pakugadzirira musangano kusvika pakuteerera chiremba kusvika pakutora mishonga yako nenguva ibasa rako. Nemutoro iwoyo unouya nekutonga . Saka, mwana wako ndiye anoita sarudzo dzake dzese dzezvekurapa. Uye vane kodzero yekuvanzika kweruzivo rwavo rwese rwezvekurapa. Kunze kwekunge vasarudza kugovana newe, hauzombozivi ruzivo irworwo. Izvi zvingave zvitsva, nekuti pavakanga vachiri vadiki, zvese zvakapfuura nepakati pako.

Fungidzira kuti mwanasikana wako kana mwanakomana wako ari kuenda kunoona chiremba ari ega. Anofanira kukwanisa kupindura mibvunzo yachiremba uye kutsanangura zvinomunetsa zvakajeka. Anofanirawo kuva nechokwadi chekuti anonzwisisa uye anotevedzera mirairo yachiremba.

Sezvaunokura, zvakakosha kugovera ruzivo rwako rwezvekurapa kune wese mupi wehutano waunoona. Izvi zvinosanganisira zvinhu zvakaita sekurwara kwawakamboita, kuvhiyiwa, mishonga, uye majekiseni ekudzivirira chirwere. Zvakare, iva nechokwadi chekuudza chiremba wako kana uine allergies yemishonga kana nhoroondo yemhuri yezvirwere zvakaita sekenza kana chirwere chemwoyo. Ruzivo urwu ruchabatsira chiremba wako kuona chirwere chacho nemazvo uye kupa kurapwa kwakanakisa.

Udza mwanasikana wako kana mwanakomana wako kuti achengete makopi ezvinyorwa zvavo zvese zvekurapwa, pamwe chete nerondedzero yemishonga yazvino. Izvi zvinogona kubatsira zvikuru panguva yenjodzi.

Zvakare, zvakakosha kuona chiremba kana uine chirwere, pamwe nekugara uchiongororwa uye kuongororwa . Rudzi rwebvunzo dzaunoda runoenderana nenhoroondo yemwana wako neyemhuri yake.

Ndingabatsira sei vana vangu kuti vatore mutoro wekutarisira hutano hwavo?

Unogona kubatsira mwana wako kutanga kutarisira hutano hwake pamwe chete achiri mudiki. Zvishoma nezvishoma, murege atore basa rinoshanda. Semuenzaniso, murege aite zvinhu zvakaita sekuronga nguva yekusangana uye kuzadza mishonga yekurapa. Izvi zvinovaka kuzvivimba kwavo uye zvinoratidza vabereki kuti vanogona kuzvitarisira.

Fungidzira, kana mwana wako ava nemakore 15 kana 16, unomuudza kuti, 'Mwanakomana/mwanasikana, edza kuronga nguva yekuonana nachiremba wako anotevera iwe pachako.' Pakutanga, ungangoda rubatsiro rudiki, asi mushure mechinguva, iye achajaira kuzviita ega. Ndiko kuburikidza nezvinhu zvidiki zvakaita seizvi kwavanodzidza kutora mabasa makuru.

Kuchinja kuenda kuhutano hwevanhu vakuru hakuitike kamwe kamwe. Zvinofanira kuitika zvishoma nezvishoma. Asi kuronga pachine nguva uye kutaura nezvezvaunotarisira zvichabatsira zvikuru pakubatsira vana kutarisira hutano hwavo kana nguva yasvika.

Saka, ngatizviunganidzei pamwe chete toyeuka zvatakataura nezvazvo? (Mharidzo Yekuenda Kumba)

Kunyange zvazvo kutamisa mwana wako kubva kuchipatara chevana kuenda kuchipatara chevakuru kuchigona kunzwa sedanho guru, harisi dambudziko kana rikabatwa nemazvo.

• Tanga nekukurumidza: Tanga kutsvaga chiremba mutsva uye tsvaga nzira dzeinishuwarenzi mwana wako achiri mudiki.
• Taura nemwana wako: Taura naye pachena nezvekuchinja uku uye mabasa ake matsva. Teerera pfungwa dzake.
• Batsirai kuwana chiremba akanaka: Batsirai mwana wenyu kusarudza chiremba akakodzera zvaanoda uye mumwe munhu waanogona kutaura naye zviri nyore. Izvi zvinonyanya kukosha kana mwana wenyu aine chirwere chisingaperi kana zvimwe zvinodiwa.
• Chenjerera nezveinishuwarenzi: Tsvagai nguva yeinishuwarenzi yemwana wenyu uye sarudzo dziripo kana muchida inishuwarenzi itsva.
• Kurudzirai kuva nemabasa: Dzidzisai mwana wenyu zvishoma nezvishoma kuti atore mutoro wehutano hwake, ruzivo rwezvekurapa, uye nguva dzekuonana nachiremba. Vakai chivimbo chekuti vanogona kuita zvinhu izvi vega.
• Rubatsiro rwenyu ruchiri kudiwa: Kunyangwe mwana wenyu akura, nhungamiro yenyu nerutsigiro rwenyu zvinokosha munguva ino yekuchinja.

Yeukai kuti, iyi ingori nhanho imwe chete inokosha parwendo rwemwana wenyu rwekuva munhu mukuru akazvimirira. Nerudo rwenyu nerutsigiro rwenyu, hazvizove zvakaoma kuti akunde dambudziko iri!

Hutano hwevana , hutano hwevanhu vakuru, hutano hwevana, inishuwarenzi yehutano, hutano hwevechidiki, shanduko yezvekurapa, mazano ekurera vana