Nangona kukho iindlela ezininzi ezikhoyo, ngokuphonononga ngokucophelela ukhetho lwakho nokubona oko ungakufanelekela, unokufumana into engcono ngezinye zezi zikhetho kunomnye.
Isisitshixo sokufumana unonophelo lwamaxabiso angaphantsi kwexesha lithatha ixesha lokuthengela isicwangciso esihle, esinokuphazamiseka.
Nalu uluhlu lweendawo ezili-11 eziqhelekileyo umntu angakhangela ukuba athathe i-inshurensi yezempilo enendleko xa ungasebenzi, unomvuzo ophantsi, usebenze iiyure ezincinci okanye ixeshana.
Izinketho ezili-11 Ukufumana i-Intshurensi yezeMpilo ephantsi kweNkcitho engenakho uYobhi okanye iNgeniso ephantsi
Uninzi lwezi nkqubo zinemfuno zokufaneleka, kodwa ukufunda kuluhlu kuya kunceda uqonde ukuba zeziphi iinketho ezikhoyo. Ukuba unomuva wokuba ufanelekile kwi-Medicare okanye iMedicaid, unokuqhagamshelana neNkqubo yoNcedo lweNkxaso ye-inshurensi yezeMpilo ukuba ubancedise ukuba uqonde ukukhetha okulungileyo.
1. Ukucamngca: Abantu abaninzi ngoku bafanelekile, Jonga kule Ntshurensi yeMpilo
Ukususela kuMthetho woNonophelo ongenakunqwenelekayo, inani labantu abafanelekile ukufumana iMedicaid landa kakhulu, kodwa abanye abantu abanako ukuqonda. Ukuba awukwazi ukufumana ingqalelo kumlingane, okanye kwintsapho, qiniseka ukuba uyazi malunga neenguqu kwiMedicaid kwilizwe lakho.
Abantu abalandelayo ababengafunyenwe kwangoku bangagqalwa phantsi komthetho omtsha: nabani abahlala ngaphantsi komgca-ntlupheko banokufanelekela, kubandakanywa nabantu abadala abangenawo abantwana. Kukho nezinye izinto ezininzi, ezinye zazo ezivumela ukufumana ingeniso ngaphezu komgca wobuhlwempu ukuze ufaneleke. Ukwandiswa kweMedicaid kufikelele kumntu ngamnye ngamnye ungaqhagamshelana nomkhomishinala wakho wombuso we-inshurensi ukuze ufumane iinkcukacha ezithile.
Kukho inkxaso kunye neembalo ezahlukeneyo ezinokukwenza uvumeleke nokuba ucinga ukuba awukho.
2. IziCwangciso zeMpilo eziPhezulu
Ukufumana isicwangciso esiphezulu sezempilo esincinciweyo kuyindlela efanelekileyo yokugcina isicwangciso se-inshorensi yezempilo . Xa kudibene ne-HSA ungayifumana iindlela zokugcina imali kwiirhafu, ngelixa ugcina imali ngexesha elide. ukufumana okungaphezulu malunga neenzuzo kunye nesicwangciso emva kwezinto eziphezulu zokuphucula impilo kunye ne-HSA apha .
3. UMthetho wokuXholwa koHlahlo lwabiwo-mali lwe-Omnibus ( COBRA )
Ukuba awuqeshwanga, uye wachitha ixesha lakho lomsebenzi, okanye wena okanye unqatshelwe, unakho ukufaneleka ukuqhubeka (yakho yangaphambili) yinshorensi yempilo yabaqeshi ngeCOBRA.
Kubafundi abaya kwiikholeji, nawe unokukwazi ukuqhubela phambili kwi-inshorensi yempilo yakho yomzali nge-COBRA.
Oku kuyindlela enhle kubantu abaye balahlekelwa ngumsebenzi kwaye baqhubeka unyango.
Ukuba ubuya kutshintshela kwenye iplani ye-inshorensi njengecebo elifutshane elifutshane (funda ngokubanzi malunga nalokhu ngezantsi), unyango lwakho lwangoku aluyikufaneleka phantsi kwenkqubo yomshuwalense wezempilo.
ISEXWAYISO: Oku kungenako ukukhetha inkcitho yomshuwalense yezempilo. Iiprayimenti zinokuba ziphakamileyo kwaye unokukwazi ukufumana enye inketho kuqala.
Kungcono ukuqokelela zonke iinketho zakho ze-inshorensi zempilo kwaye ukhethe isicwangciso se-inshurensi yempilo yakho imeko.
Imizekelo yokufaneleka kwe-COBRA ingaquka ukulahleka komsebenzi ngokuzithandela okanye ngokungenakuzibandakanya, ukuchithwa kweeyure zakho, ukuba utshintshe phakathi kwemisebenzi, ukufa okanye ezinye iinguqu kwiimeko zentsapho njengokwesehlukaniso.
Ukuhlawulelwa kwabasebenzi
Abantu abaninzi abaqapheli ukuba banokugutyungwa phantsi kweprogram yoQeqesho lwabaSebenzi bakaRhulumente. Ukuba uphathwe ngenxa yengozi enxulumene nomsebenzi, umqeshi wakho kufuneka akunike unyango phantsi kweprogram yoXhotyiso lwaBasebenzi.
5. I-Medicare
I-Medicare inikezelwa nguRhulumente kwaye ilawulwa nguLawulo loKhuseleko loLuntu. Ukuba uneminyaka engama-65 okanye ngaphezulu ungakufanelekela kwi-Medicare. Unako ukufaneleka ukuba uneminyaka engaphantsi kwe-65 kwaye ufumana izibonelelo zokukhubazeka kweNtlalo okanye unesifo esithile.
6. Impilo ye-Intshumo yeMpilo yomshuwalense
UMthetho woNonophelo ojongene noTshintsho ungaguqule amathuba abantu abanemeko ekhoyo ngaphambili. Izicwangciso ze-Marketplace zibandakanya unyango lweemeko zonyango zangaphambi koko, ngokwe-HealthCareGov.org:
- Ayikho iplani yomshuwalense inokukunqanda, ihlawulise ngaphezulu, okanye inqabile ukuhlawula iintlawulo zezempilo ezibalulekileyo kwiimeko ezikhoyo ngaphambili.
7. Umshuwalense wezeMpilo ngamnye
Unokufumana izicaphuno kwiinkampani ezahlukeneyo ze-inshurensi yezempilo kwaye uthenge i-inshorensi yempilo yentsapho okanye yintsapho ngendlela efanayo nangayiphi na indlu okanye inshuwalense yemoto. Ezi zicwangciso zisebenza ngendlela efanayo nomqeshi eza kunika abasebenzi babo .
8. Inkcazo yeNtsholongwane yeNtsholongwane yexesha elifutshane
I-inshorensi yempilo ye-inshorensi yexesha elifutshane lihlobo lomgaqo-nkqubo womshuwalense wezempilo ngamnye owanikezela ngokukhawuleza ixesha elifutshane kakhulu. Abantu abafuna ixesha lokuba bahlolisise ukhetho lwabo lwe-inshorensi yempilo yabo ngabanye kunye nentsapho kodwa bafuna ukugqithiswa ngokukhawuleza ngamanye amaxesha bakhethe olu khetho.
Iingxaki ngeeNtsholongwane zeeNtsholongwane zeNtsholongwane
- Izicwangciso ze-inshorensi zempilo zangexesha elifutshane azidibana neemfuno ze-ACA
- Ngokuqhelekileyo azibandakanyi izimo zonyango zangaphambili
- Awuhlangabezi neemfuno zokugubungela ubuncinci obubalulekileyo be-ACA
- Izicwangciso zempilo zexesha elifutshane azihlaziyi, emva kwekota, kufuneka uphinde ufake isicelo sokubuyiswa kwakhona.
- Izicwangciso zempilo zexesha elifutshane azikuvumeli ukuba ufumane inkxaso-mali okanye izikwere zerhafu njengezicwangciso ze-ACA.
Iiprogram ze-inshorensi zempilo zangexesha elifutshane zisetyenziselwa isisombululo sethutyana xa ungenakufumana ezinye iinkonzo ezinkulu zokunakekelwa kwempilo okanye ungafuni ukufikelela kwizempilo. Xa kunokwenzeka ukuba kungcono ukufumana isicwangciso sexesha elide elihlangabezana neemfuno ze-ACA ukuze ungabi nokukhathazeka ngokufumana izicwangciso zesikhashana.
9. I-Innshurensi yeqela kwiBhunga lobumbano
Oku kudla ngokuba ngumthombo we-inshorensi yezempilo engabizi okanye eyindleko. Abanye abantu ngamalungu emibutho ethile eyenza i-inshorensi yezempilo. Ngokomzekelo, abantu abangamalungu e-Associated Alumni Associations banokufumana iintlobo ezahlukeneyo ze-inshorensi. Nangona le mibutho ayinakunceda ukuhlawula iiprimiyamu ze-inshorensi zempilo njengokuba umqeshi uya kuba, ixabiso liya kuba liphantsi ngenxa yesahlulo seqela. Mbonise ukuba yimibutho onjani ilungu kwaye ubone ukuba ngaba banikela i- inshurensi yezempilo yeqela . Unokuphanda uphando lwemibutho ehlinzeka nge-inshorensi yezempilo yeqela kunye nokujoyina loo maqela, okanye nokuba ubuze imibutho ekhoyo njengelungu ukuba unikeze i-inshorensi yezempilo yeqela. Basenokungaqondi ukuba banganikela icebo kumalungu abo. Kaninzi "
Iindleko zeMpilo yeqela kunye neSicwangciso soLuntu / iNkonzo yoLondolozo lwezeMpilo (HCSM)
Iprogram yokwabelana ngeendleko zezempilo ayikho i-inshorensi kodwa inokukhetha ukuba unokufumana iqela elihloniphekileyo eliye laqhuba ngempumelelo ixesha elide. Iprogram yokwabelana ngeendleko zempilo xa iqela labantu lidibanisa imali kunye kunye nokuhlawula iindleko zempilo zabanye ngokuzimeleyo okanye ezisebenza njengabo "inkampani yomshuwalense". Iminikelo ihlanganiswe kunye kwaye idla ngokutsha imali ukwenzela ukunyusa inzala kwimali ehlanganisiweyo. Kusebenza kakuhle xa abathathi-nxaxheba basebenzisa imali kuphela kwiindleko zonyango ezinkulu. Inkonzo yokwabelana ngononophelo lwempilo (HCSM) xa iqela labantu ababelana ngeenkolelo ezifanayo kunye neenkolelo ezithembekileyo zenze isigqibo sokudala iindleko zokwabelana ngeendleko zempilo. I-HCSM yinkampani engekho inzuzo kwaye ayikho inkampani yomshuwalense. Kubalulekile ukuba uqaphele ukuba ezi zicwangciso zinokuba nemingcele ongeyifumana ngokuqhelekileyo kwizicwangciso zeenkampani zomshuwalense, ezinjengezithintelo kwiinkqubo ezifunyanwa yiqela. Kukho amaqela enkolo asebenzisa le meko ngempumelelo. Imizekelo yeendleko zokwabelana ngeendleko zemibutho yezempilo ziMidi--Sabelo, kunye namaSamariya amaPhathiswa phakathi kwabanye. Kaninzi "
11. Iikhodi zeNgcaciso ze-inshurensi yezempilo
amakhadi okuphucula i-inshorensi yempilo avumela ilungu ukuba lizuze kwiinkonzo zempilo ezincinci zintengiso. Oku akusiyo isicwangciso se-inshurensi, kodwa kuyindlela yokuhlola ukuba uhlolisise yonke into, kuquka i-Obamacare kunye nendawo yokuthengisa. Ngomvuzo we-inshurensi yempilo yomshuwalense, uhlawula umrhumo omncinci wenyanga kubulungu ukuze xa uya kugqirha okanye kwisibhedlele uza kufumana umlinganiselo osaphulelo kwiinkonzo zakho. Ngenxa yokuba akuyiyo iplani yomshuwalense, usuphelile ukuhlawula zonke iindleko zakho zonyango, kodwa unokufumana isaphulelo. Ukuba ukhetha olu khetho kufuneka uqhubeke usebenza ukuze ufumane i-inshurensi yezempilo kwikamva. Kaninzi "