{"id":7561,"date":"2023-02-10T12:52:04","date_gmt":"2023-02-10T09:52:04","guid":{"rendered":"https:\/\/urbancare.clinic\/know-about-the-birthday-rule-that-decides-who-pays-for-a-babys-delivery\/"},"modified":"2023-02-10T12:52:04","modified_gmt":"2023-02-10T09:52:04","slug":"kujua-kuhusu-sheria-ya-siku-ya-kuzaliwa-ambayo-huamua-ni-nani-anayelipia-kujifungua-mtoto","status":"publish","type":"post","link":"https:\/\/urbancare.clinic\/sw\/kujua-kuhusu-sheria-ya-siku-ya-kuzaliwa-ambayo-huamua-ni-nani-anayelipia-kujifungua-mtoto\/","title":{"rendered":"Fahamu Kuhusu 'Sheria ya Siku ya Kuzaliwa' Ambayo Huamua Nani Atamlipia Mtoto Kujifungua"},"content":{"rendered":"
<\/div>\n

Kuanzisha familia ni uamuzi ambao una gharama kubwa kwa mzigo wa kifedha wa familia. Kwa bahati nzuri, bima hurahisisha mzigo. Hata hivyo, kuna sheria inayojulikana kidogo inayoitwa 'sheria ya siku ya kuzaliwa' ambayo ina athari ambayo bima ya mzazi itamlipia mtoto kujifungua na mwezi wa kwanza wa maisha.<\/p>\n

Kutojua sheria hii kulizua mkazo wa kifedha kwa wanandoa wa Highland Park ambao uligharimu maelfu ya dola.<\/p>\n

Bowie Tinio, mwenye umri wa miezi 20 sasa, alikuwa na upungufu mkubwa wa damu wakati wa kuzaliwa.<\/p>\n

"Labda alikuwa akipoteza damu tumboni," babake Bowie, Mike Tinio alisema, ABC7<\/a> taarifa.<\/p>\n

<\/div>\n

"Ilikuwa utoaji mgumu. Kwa kweli aliishia NICU kwa siku nne,\u201d Vanessa Ying, mamake Bowie aliongeza.<\/p>\n

Siku hizo nne katika kitengo cha utunzaji mkubwa wa watoto wachanga husababisha bili ya $80,000. Ying alisema kuwa aliambiwa kuwa mwezi wa kwanza wa maisha ya mtoto hulipwa chini ya sera ya mama hivyo aliongeza marupurupu yake ya bima endapo dharura itatokea.<\/p>\n

"Alihakikisha kuwa amepata bima bora zaidi ambayo angeweza kupata," Tinio alisema.<\/p>\n

Walakini, miezi miwili baadaye, wanandoa walipokea bili za matibabu kwa kiwango cha $10,000.<\/p>\n

Kwa kweli nilichanganyikiwa. Nilidhani tulikuwa tumelipa bili zetu zote za hospitali kwa hivyo sikujua ni kwa nini tulikuwa tukipata bili za ziada,\u201d Ying alisema.<\/p>\n

Hatimaye, Ying aligundua kuwa kampuni yake ya bima haikulipia gharama ya malipo ya kujifungua na badala yake mpango wa bima ya mumewe ulikuwa ukizingatiwa kwa sababu ya "kanuni ya siku ya kuzaliwa."<\/p>\n

Sheria ya siku ya kuzaliwa ni mazoezi ya bima inayotumiwa kuamua mpango ambao utatumika kufidia gharama ya kujifungua kwa mtoto<\/a> wakati wazazi wote wawili wana bima.<\/p>\n

"Haijafanywa kufanya maisha kuwa bora kwa watumiaji," Profesa Glenn Melnick na Shule ya Sera ya Umma ya USC ya Sol Price alisema.<\/p>\n

Kulingana na sheria, mpango wa bima ya mzazi ambaye siku yake ya kuzaliwa inakuja kwanza katika mwaka wa kalenda itafikia gharama ya ujauzito, bila kujali mwaka mmoja alizaliwa. Kwa hivyo, umri sio sababu katika hili, kama ilivyo Bima ya EHealth<\/a>.<\/p>\n

"Kwa hivyo ikiwa siku yangu ya kuzaliwa ni Januari na mke wangu Februari, basi watoto watapewa sera yangu Januari kwa sababu siku yangu ya kuzaliwa huwa ya kwanza katika mwaka. Kuna mtego huu uliofichwa ambao unaweza kuishia kuwagharimu maelfu kama si makumi ya maelfu ya dola,\u201d Melnick alisema.<\/p>\n

Kwa wazazi wa bowie, ilikuwa tofauti ya takriban $7,000. Melnick alishauri wazazi wapya walio na bima mbili wanapaswa kutafiti sera za bima.<\/p>\n

"Hupati huduma maradufu kwa sababu ya sheria ya siku ya kuzaliwa na kwa hivyo unapaswa kujua ni sera ipi iliyo bora," alisema.<\/p>\n

Baada ya miezi 20, kwa usaidizi kutoka kwa wakili katika ofisi ya rasilimali watu ya Ying, kampuni ya bima ya Ying ilikubali kulipa, jambo ambalo lilisimamisha simu za kukusanya.<\/p>\n

"Ikiwezekana, uwe kwenye mpango sawa wa bima," Melnick alipendekeza.<\/p>\n

Chanzo cha matibabu cha kila siku<\/a><\/p>\n

","protected":false},"excerpt":{"rendered":"

"Haijafanywa kufanya maisha kuwa bora kwa watumiaji," Profesa Glenn Melnick na Shule ya Sera ya Umma ya USC ya Sol Price alisema.<\/p>","protected":false},"author":2,"featured_media":7562,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"Default","format":"standard","meta":{"fifu_image_url":"https:\/\/urbancare.clinic\/wp-content\/uploads\/2023\/02\/know-about-the-birthday-rule-that-decides-who-pays-for-a-babys-delivery.jpg","fifu_image_alt":"","footnotes":""},"categories":[27],"tags":[],"class_list":["post-7561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"\nKnow About The 'Birthday Rule' That Decides Who Pays For A Baby's Delivery - Urban Care Clinic<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/urbancare.clinic\/sw\/kujua-kuhusu-sheria-ya-siku-ya-kuzaliwa-ambayo-huamua-ni-nani-anayelipia-kujifungua-mtoto\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Know About The 'Birthday Rule' That Decides Who Pays For A Baby's Delivery - 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