Igiciro cya BetterHelp mu 2026: Ni iki uzishyura buri kwezi, ufite cyangwa utafite ubwishingizi

Igiciro cya BetterHelp ni amadorari 70 kugeza ku 100 buri cyumweru, bishyurwa buri cyumweru bine, ku buryo utegereje amadorari 280 kugeza kuri 400 buri kwezi ku giciro cyuzuye. Ubwishingizi bushobora kugabanya icyo kugeza ku guhagarika kwishyurwa. Ubufasha bwa finansiye bugabanya 10% kugeza 40%. Nta kintu cyishyurwa ku cyicaro kandi nta buntu buri.

• Ubusabitswe bumwe, igiciro kimwe: amadorari 70 kugeza ku 100 buri cyumweru, bishyurwa nk’amadorari 280 kugeza kuri 400 buri cyumweru bine.
• Umwaka wuzuye igiciro: amadorari 3,640 kugeza kuri 5,200. Ubufasha bwa finansiye bushobora kugabanya icyo munsi y’amadorari 3.000.
• Ubwishingizi bushobora gukoreshwa binyuze mu makompanyi amwe n’ibitaro, ariko Medicare na Medicaid ntibyakirwa.
• Ibyagaragajwe ko abafite ubwishingizi bahagarika kwishyura kuva ku amadorari 15 cyangwa munsi y’ibyo ivuga ubwayo kugeza ku amadorari 23 buri cyicaro mu makuru aturuka ku ruhande rwa gatatu. Inkomoko ntizumvikana.
• Ibicuruzwa bibiri bihishe mu giciro: amadorari 15 yo kutitabira cyangwa gutangirira kera, kandi nta kwishyurwa ku gihe umaze kwishyura.

Igiciro nyakuri cya BetterHelp ni ubusabitswe bw’icyumweru, ntabwo ari kwishyura ku cyicaro

Igiciro cya BetterHelp ni amadorari 70 kugeza ku 100 buri cyumweru, bishyurwa nk’ikiguzi kimwe cyo gusabitswa buri cyumweru bine, bigahinduka amadorari 280 kugeza kuri 400 buri kwezi. Iki giciro kimwe gihagije cyicaro kimwe cy’icyumweru binyuze kuri videwo, telefone cyangwa chat, hamwe n’ubutumwa budafite amaherezo hagati y’icyicaro, imbuga ngurukana’bwa buri cyumweru n’ibitabo by’imitsi. Nta gukoresha nk’uko wabigenderaho, bityo ntukemere kugura icyicaro kimwe.

Mu magambo asanzwe, ni angahe BetterHelp bivuye ku giciro kimwe cy’icyumweru cy’ikiranga gikoreshwa buri minsi 28. Nta kintu kirambuye. Nta kintu cyishyurwa kuri buri ngendo.

Ku giciro cyuzuye, ingano z’umutungo zigomba gukoreshwa ni amadorari 840 kugeza kuri 1.200 mu mezi atatu (ibyumweru 12), amadorari 1.820 kugeza kuri 2.600 mu mezi atandatu (ibyumweru 26), n’amadorari 3.640 kugeza kuri 5.200 mu mwaka (ibyumweru 52). Igiciro cyawe nyacyo gitewe n’aho uherereye n’uburyo abavuzi baboneka mu ntara yawe, ni nayo mpamvu abantu babiri binjiye umunsi umwe bashobora kubona umubare utandukanye.

Inyungu z’inyongera zigaragaza ibiciro by’uburyo by’ubwabo n’ibitangazwa n’impuguke kuva mu Kwakira 2026. Ibiciro by’ubusabitswe bihinduka nta kwirinda, bityo bikaba nk’uburyo bwo gutegura kandi ugahindura umubare wawe nyukuri ku rubuga rwa checkout mbere yo kwinjiza ikarita.

Amategeko y’uburenganzira arinda akamaro kawe k’ubuzima bwo mu mutwe, ariko ntashimangira ko abashinganisha bazishyura BetterHelp

Ese BetterHelp yakira ubwishingizi? Rimwe na rimwe, binyuze mu makompanyi amwe n’ibitaro, ariko bikora nk’uburyo bwo kwishyurwa n’abantu benshi kandi abenshi binjiye bakishyura bose.

Umushinga wawe uzashyigikira uburyo bw’ubuzima bwo mu mutwe mu buryo bumwe. Imishinga yose yo mu isoko igomba gushyigikira ubuzima bwo mu mutwe n’ububyutsi bw’ibiyobyabwenge, harimo n’ubuvuzi bwo mu mutwe n’inama, nk’imwe mu ntungamubiri icumi z’ingenzi, nta ntarengwa y’umwaka cyangwa ubuzima. Amategeko y’igihugu yigira kure kandi ashinga ko guhana ibiciro, ntarengwa y’ibiganiro n’ibyangombwa by’ubuvuzi ku buzima bwo mu bwoko bugomba kuba butazigushyira mu kaga kuruta ubuvuzi bw’abagabo n’abagore.

Soma ikirimo cya kabiri cyibwira kireba. Ni ubwoko bw’uburenganzira hagati y’ubwoko bubiri bw’inyungu, kandi ntabwo ari inshingano yo kwishyura umuntu wese atanga serivisi. Nta mategeko y’ubwoko busabiriza umushinga wawe kwishyura serivisi itarimo, yishyuwe.

Abagenzuzi bo hanze, barimo Healthline, bashyira Aetna, Cigna, UnitedHealthcare, Blue Cross Blue Shield na Optum mu basanzwe bakorana cyane. Medicare na Medicaid ntibyakira na gato.

Mbere yo gusinya, hamagara numero iri ku ikarita yawe y’ubwishingizi kandi ugasaba ibintu bibiri: ubwoko bwawe bw’ubuvuzi bwo mu mutwe, n’icyo ufite cyangwa utagifite cyo gusubizwa inyuma n’ikinyamwanda niba ushaka kwishyurwa. Ni ko kumenya ko buri kwinjira kuri ukwibaza niba BCBS ishyigikira Zepbound, kandi bifite agaciro kuko igiciro gikomeza abantu mu buvuzi: mu 2022, ni 50.6% gusa by’abantu bagera kuri 59.3% b’abantu bakuru mu Bwongereza bafite ikibazo cy’ubuzima bwo mu mutwe baguye mu buvuzi.

Igiciro cyo hejuru ni kimwe mu bicuruzwa bine ushobora kwishyura

Igiciro cyawe cya BetterHelp gitewe n’ibyapa bine uhishura, kandi mu mwaka ushobora kuba munini cyane hagati y’igishushanyo n’igishushanyo gikomeye cyane.

Hano haravuga ibyo urubuga rwinshi rutaravuze: impungenge z’ubwishingizi zishingiye ku gishushanyo ibitekerezo bitumvikana. Healthline, PsychCentral n’ikindi kinyamakuru cy’ubuvuzi cyose cyavuze ko umubare w’ikiguzi k’ikiguzi ugera kuri amadorari 23 buri cyicaro, mugihe urubuga rwa BetterHelp rwubwite ruvuga ko abafite ubwishingizi bashobora kwishyura "amadorari 15 cyangwa munsi y’ibyo." Nta nimwe muri yo ikomeye. Uburyo bwo guhinduka bitewe n’umushinga w’ubwishingizi, igikoresho cyawe cy’ikiguzi, kandi hejuru ya byose niba intarengwa yawe yarujujwe, kuko intarengwa idafite intarengwa ishobora kuvuga ko wishyura igiciro cyuzuye kugeza k’icyo cyujujwe.

Umubare wa FSA n’HSA ni uw’abantu basomye nabi. Amafaranga mbere y’umusoro ntashobora kugabanya igiciro cyo hejuru mu madorali, bashobora kugabanya igiciro cyo hejuru uko kigura. Ni ko kwihindura hagati y’igiciro cyo hejuru n’igiciro nyakuri uko muri igiciro cya gabapentin kitagifite ubwishingizi.

Ubufasha bwa finansiye, ntabwo ari ubwishingizi, ni bwo bafasha benshi bashobora kubona

Ubufasha bwa BetterHelp ni ubwato abantu benshi bahishurira igihe ubwishingizi butabikora, kandi ni ubwoko bumwe muri buri bwoko bine bushobora kwishyura. Komeza mu bikoresho bitatu mbere yo kwishyura na kimwe.

1. Injiza amakuru yawe y’ubwishingizi igihe cyo gusabitswa. Ihuriro ribaza umushinga wawe mbere yo kwishyura. Niba uwakira wawe ari we uzwi, igiciro cy’ikiguzi kiragaragara ku rubuga, kandi uzamenya niba ihuriro ry’ubwishingizi ribakoreshwa nta giciro.
2. Niba nta kwishyurwa kwagaragaye, shaka ubufasha bwa finansiye. Ihuriro riri mu bidukoresho byawe byo mu rubuga kandi ni ikibazo cy’ibyerekeranye n’ubushobozi. Ibishingira ku 10% kugeza kuri 40% kandi bisanzwe bigenzurwa buri mezi make, bityo igiciro ntikibaho burundu.
3. Noneho hitamo ubwoko bwawe bwo kwishyura. Gereranya igiciro gisanzwe cy’ibyumweru bine n’ibiguzi by’igihe kirekire, kandi uhamye na serivisi uburyo bwawe bwa mbere bwishyuza mbere yo kwishura igice cy’umwaka udahishyuwe mbere yo kwishyura.

Uburyo bwo kugwiza ni ubwo kwikorera ubwawe. Igiciro cy’umugabane wa 100 cy’icyumweru hamwe na 40% BetterHelp y’ubwato bwa finansiye bigera hafi kuri 60 buri cyumweru, amadorari 240 buri kwezi, amadorari 2,880 mu mwaka. Ibyo ni amafaranga nyakuri mu buryo abantu benshi badashobora gutungura, nk’uko ibiciro by’uburyo buto bw’abantu badashobora kubona ku bintu by’ubwoko bw’imiti.

Ibihingamurwa: ubufasha bwa finansiye bukurikiza ubusabitswe kandi ntibwashyirwa ku rupapuro rw’ubwishingizi. Hano ufata inzira imwe cyangwa indi.

Ku cyicaro, BetterHelp irusha ubuvuzi bw’abagabo n’abagore inshuro nyinshi, ariko niba ukoresha icyicaro

Igiciro cya BetterHelp ku cyicaro ni igiciro cy’icyumweru cyagabanijwe ku cyicaro ufashe, bituma kwitabira ari cyo cyose k’impamvu. Komeza buri cyumweru kandi igiciro cyihuse ni amadorari 70 kugeza ku 100 kuri buri cyicaro cy’umucyo, hamwe n’ubutumwa budafite amaherezo n’imbuga ngurukana’bwa byo ntibibaze ibindi.

Ubuvuzi busanzwe muri Amerika bwo mu gihugu bwakoreshejwe amadorari 100 kugeza kuri 350, nta kintu kirimo hagati y’ibiganiro. Ku gupima ko uru rubuga rutwara igiciro cyo hasi kandi rutwara icyo gihe.

Gukoresha inshuro ebyiri mu kwezi aho kwakwkwk’icyumweru cyane, hanyuma igiciro cyawe gikubye inshuro ebyiri kugeza ku 140 kugeza kuri 200 ku cyicaro. Ubusabitswe buhanira abakoresha bake, kandi iyi ubahanira rwihishwa.

Hari imipaka ibiri ikomeye ku kiguzi, uko bwakoreshwa byose: abavuzi ku rubuga ntibakoresha imiti, kandi uru rubuga ntirubaka kubaka ibimenyetso bifatika by’ubuvuzi by’inkiko cyangwa ubumuga.

Igiciro kivuyemo ibintu bine bitera abantu kwiruka

Politiki ya BetterHelp yo guhagarara ni ukwezi ku kwezi nta masezerano, bityo ushobora guhagarara igihe cyose, ariko guhagarara guhagarika kwishyura ibindi kuruta gusubiza amafaranga wamaze kwishyura. Komeza ibyumweru byishyurwa kugeza ku musaruro wabo, ntibigaruke.

Kurenza ibyo, $15 fee irihabwa kutitabira cyangwa icyicaro cyahagaritswe byatwaye igihe. Nta BetterHelp buntu, nubwo iyi mvugo yakunzwe; ibihari ni kode z’ibisanzwe zishirwa ku kwishyura kwa mbere. N’imyanya ibiri yo mu buryo ikomeye yamaze kwandikwa ikwiye gusubiramo mu rubuga rwa mbere: nta Medicare cyangwa Medicaid, kandi nta buryo bwo kugura icyicaro kimwe.

Igiciro cya kane ntikireba amafaranga. Mu Kwakira 2023, FTC yarangije gutegeka gusaba BetterHelp kwishura amadolari 7.8 miliyoni no kuyibuza gukwirakwiza amakuru y’ubuzima mu kwamamaza nta ruhushya ruhamye, nyuma yo kubona ko amadorari y’ubumwe, amadorari y’ubumwe n’ibibazo by’ubuzima byakwirakwijwe na Facebook, Snapchat, Pinterest na Criteo. Mu Gicurasi 2024, hafi abantu 800.000 bakoresheje hagati ya Kanama 1, 2017 kugeza Ukuboza 31, 2020 batangira kubona ubutumwa bwo kwishyurwa kuva kuri buriya buryo, bugenzurwa na Ankura Consulting Group. Niba wari umukiriya muri icyo gihe, reba email yawe.

Ubusabitswe ni igikoresho cy’ibibazo

Hamagara 911 cyangwa jya mu cyumba cyihutirwa none niba:

• Ufite ibitekerezo byo kwiyahura, igishushanyo cyangwa uburyo bwo kugerageza, cyangwa ibitekerezo byo kwangiza wenyine cyangwa undi muntu.
• Ufite psychosis, gusaza, cyangwa ibimenyetso byihutirwa nk’ububabare mu gatuza cyangwa kurenga ku kwitonda.

988 Suicide and Crisis Lifeline ni ubuntu kandi irahari 24/7: hamagara cyangwa wohereze ubutumwa 988, cyangwa chat kuri 988lifeline.org, kandi uhuza n’ikigo cyegereye cy’ibibazo kugirango ugire inama n’impinduka. BetterHelp n’uburyo busabitswe nk’ubwo ntibishoboye kwishyurwa cyangwa kwita ku bibazo, kandi babyivugira.

Fata ingendo mu cyumweru gitaha niba:

• Ibimenyetso byawe birarenga, ntashobora gukora cyangwa gusinzira, cyangwa utekereza ko ukeneye igenzura ry’imiti.

Ganira n’umuvuzi mbere yo gutangira niba:

• Ukeneye imiti yanditswe, uri kuri Medicare cyangwa Medicaid, ukeneye ibisobanuro by’inkiko cyangwa ubumuga, cyangwa ushobora kumenya ko ukeneye urwego rwo hejuru rw’ubuvuzi nk’urwego rwo hejuru rwo mu rwego rwo gusohoka.

Niba igihe cyagenewe ubuvuzi ari icyo icyumweru, urugendo rwa August rwa amadorari 39 rwahuzaga rwakwegera umuvuzi wemewe n’amategeko w’igihugu uzasuzuma ibimenyetso byawe kandi wemeze niba imiti yanditswe ikwiye. Ntishobora gutanga ubuvuzi bw’igihe kirekire kandi ntaho iherereye mu bihe byihutirwa.

Ikibazo gisanzwe

Ese BetterHelp abateza imiti, kandi ibyo bizishyurwa bonyine?

Oya. Abakoresha uru rubuga ni abavuzi, ntabwo ari abavuzi, bityo imiti yose igomba kuva ku mukozi wihariye cyangwa umuvuzi wawe wa mbere kandi ikishyurwa byihariye. Bivuze ibyishura bibiri niba ukeneye bombi: ubusabitswe ku kuvugisha, hamwe n’ibyo umuvuzi wawe n’ifarume ishinja, ubwishingizi bushobora kubibona ku buryo budasanzwe.

Ese BetterHelp izahindura ukwezi kwanjye gusigaye niba mpehagaritse kare?

Ntabwo bisanzwe. Guhagarika kwishyura ibindi, ariko icyo gihe umaze kwishyura kigenda kugeza ku musaruro wacyo nta gusubizwa ku buntu ku bwiswa budakoreshejwe. Mu buryo bwa nyabwo, byongera igiciro cyawe cya BetterHelp ku cyicaro mu gihe cyo kugenda: guhagarika mu cyumweru cya mbere kandi wishyuye ibyumweru bine ku cyicaro kimwe. Hagarika uhise utaha.

Ese hari igiciro cyo guhindura BetterHelp abavuzi?

Oya. Guhindura abavuzi ntibiriho kandi nta giciro, bikorwa mu rubuga rwawe nta giciro cyo kwiyandikisha. Ni uburenganzira bwo mu buryo busanzwe kurenza ubuvuzi bwo mu gihugu, aho guhindura abavuzi bisanzwe bivuga kwishura igiciro cyangwa igenzura ry’inyongera rirenze amadorari 100. Niba ikigereranyo kitari cyo mu cyumweru cya kabiri, guhindura bikugwa igihe, ntabwo amafaranga.

Kuki igiciro cyanjye cya BetterHelp gitandukanye n’icy’undi?

Rimwe na rimwe ni aho uherereye, rimwe na rimwe ni ukuntu abavuzi bemewe baboneka mu ntara yawe, kandi rimwe na rimwe ni kode ya promotion ikomeye umwe muri mwebwe yinjije undi ntabyo. Igiciro cyanditswe ku muntu ku giti cye igihe cyo kwiyandikisha, ni nabyo byatumye amafoto mu bisubizo n’imvugo bikura kandi ntibikwiye gukoreshwa nk’umubare wawe.

Ese umugore nanjye dushobora gusangira BetterHelp ubusabitswe kugirango tugabanye igiciro?

Oya. Ubusabitswe bumwe bukwirwa umukiriya umwe, kandi ibiganiro ntibishushanyijeho ko bihuza abantu babiri. Inama z’abashakanye zikoreshwa binyuze mu ruganda rwa Regain rwihariye rw’uruganda, rushyirwa ku giti cyarwo kandi rukishyurwa byihariye, bityo kugabana konti imwe ntabwo ari uburyo bwo kugabana igiciro.

Ibisubizo bya nyuma

Tekereza ku giciro cyuzuye cya BetterHelp cy’amadorari 280 kugeza ku 400 buri kwezi keretse niba wahinduye ibindi. Hamagara uwakwanditse mbere, shaka ubufasha bwa finansiye niba ubwishingizi budafite kwishyura, hanyuma hitamo igihe cyo kwishyura. Komeza buri cyumweru, cyangwa imibare y’ikiguzi idahindutse.

Inyandiko: Iki ngibi ni ibiganiro gusa kandi ntibishobora kuvuga ubuvuzi. Irinde gusubiramo umuvuzi wemewe n’amategeko kugirango ugire ubwiza n’imiti. Niba ufite ibibazo byihutirwa, hamagara 911 cyangwa jya mu rwego rwo kwihutirwa byihutirwa.