I-inshorensi yeCOBRA ikunika ithuba lokuqhubeka kwi-plan yakho yehorensi yabaqeshi yangoku ukuya kwiinyanga ezilishumi elinesibhozo emva kokuphelisa umsebenzi. Ungasebenzisa i-COBRA ukuba uyeke okanye xa ususiwe. I-inshorensi yeCOBRA ibinomlinganiselo ophezulu kuba uhlawula i-premium epheleleyo, kuquka oko umqeshi wakho akhokhele egameni lakho. Ukuba ulingeka ukuba uhambe ngaphandle kwe-inshurensi, kubalulekile ukukhumbula ukuba unokujamelana neentlawulo ngokungena-inshurensi kwi-Care Affordable Act. Xa uvakalelwa kukuba awukwazi ukufumana i-inshurensi yempilo, kubalulekile ukuba uqaphele ukuba kukho ezinye iinketho ezikhoyo kuwe.
Umshuwalense weeNtsholongwane weeNtsholongwane
Inyhuwalense yexesha elifutshane ye-inshorensi nayo ineemigaqo eqinile malunga nokunika ingxelo. Ukuba ukhulelwe okanye ukuba iqabane lakho okanye iqabane lakho likhulelwe, unokuba nexesha elinzima elifanelekayo kwimigaqo-nkqubo yeminshuwalense yexesha elifutshane. Ukongezelela, umgaqo-nkqubo unokuba nexesha eliphantsi lokuphila kunye nomda wonyaka ngenxa yokuba akufaneleki ukuba isisombululo sesikhathi eside.
02 Umshuwalense wezeMpilo ngokuTshintshiselana kwezeMpilo kaRhulumente
Ngaphantsi koMthetho woNonophelo ongenakunceda, unakho ukufumana uncedo lokuhlawula i-inshorensi yakho yezempilo ngokusebenzisa utshintsho lwempilo yomshuwalense wezempilo. Ukulahlekelwa ngumsebenzi wakho kunye ne-inshorensi yempilo kubalwa njengesiganeko esifanelekileyo kwaye unokukwazi ukufaneleka ngaphandle kokulinda ubhaliso oluvulekile. Oku kuyindlela efanelekileyo, kwaye yonke imigaqo-nkqubo iza kuhlangabezana neNkcazo yokuNakekelwa ongenakuncedo.
Ezi zicwangciso zinokuba lukhetho olufanelekileyo xa uhlangabezana neemfuno zengeniso kubo. Nangona kunjalo, ukuba awuyi ku funeka ukhangele kwiinkqubo zomshuwalense zempilo ezizimeleyo ezikhoyo.
03 Umshuwalense wezeMpilo ozimeleyo
Enye indlela eya ku-inshorensi yeCOBRA ngumgaqo-nkqubo we-inshurensi yempilo. Kukho imigaqo-nkqubo enemigangatho ephantsi kweendleko ze-COBRA. Le yinto enhle ukuba unayo iimeko ezingenayo okanye ungatshatanga. Le nkqubo yomshuwalense inokuhlala ixesha elide njengoko uyifunayo. Iirhafu zinokunyuka ngonyaka. Unokukhetha icebo elichitshiweyo kunye ne- copayment esilungelelanisa iimfuno zakho. Igosa lakho le-inshorensi yezempilo linokukunceda uqiniseke ukuba isicwangciso sifaneleka izikhokelo ze-Care Act.
Unokukhangela ezi zicwangciso kwi-intanethi okanye unokufumana i-inshente ye-inshurensi ejolise kwi-inshurensi yempilo. Ezinye iinkampani zinokuthi zibe neentengiso kwiinkqubo zayo. Ungakwazi kwakhona ukujonga i-arhente emele eya kukubonisa iintlobo ezahlukeneyo zemigaqo-nkqubo evela kwiinkampani ezahlukeneyo.
04 Umshuwalense wezeMpilo oPhezulu
Isicwangciso se-inshurensi yempilo ephezulu echithwe kakhulu yinto engcono kakhulu kwi-inshorensi yeCOBRA. Ezi zicwangciso zineempesenti eziphantsi zenyanga, kodwa unomlinganiselo ophezulu owenyulwayo ukudibana phambi kokukhawulwa kwezikhalo. Esi sisisombululo esikhulu ukuba ufuna iindlela zokonga imali ngexesha elilukhuni. Unokwenza i- akhawunti yokulondoloza impilo ngokubambisana ne-akhawunti ephezulu echithwayo.
Oku kuyindlela entle ukuba ucinga ukuba awuyi kusebenzisa i-inshurensi, kodwa ufuna ukuyenza xa kunjalo. Olu hlobo lomgaqo-nkqubo luza kukukhusela kwiindleko zempilo ezibiza kakhulu, kodwa kuya kufuneka uhlawule ngokupheleleyo ugqirha wakho ugqirha uze udibane ne-deductible yakho.
05 Cinga ukusebenzisa i-COBRA yakho
Ukongezelela, kufuneka ucinge ngeendleko zeCOBRA kunye negalelo elibonelelayo xa ukhetha ukhetho. Ngamanye amaxesha ukuhanjiswa okunikezelwayo kunokuba kuhle okanye ungadinga olu hlobo lwesicwangciso ngenxa yentsapho yakho okanye izimo zezempilo ezingenasiphelo. Qaphela ngokunyameko iindleko ze-premium zenyanga kunye neendleko zangaphandle kweli cwangciso xa ukhangela ezinye iinketho.
I-COBRA ikunika iintsuku ezingamashumi amathandathu ukuba ubone ukuba ufuna i-coverage. Unokukhetha ukulinda ngolu khetho ukuba uyazi ukuba uya kuba neenkcukacha kwiintsuku ezingamashumi anesithandathu kwaye uhlawule i-premium xa ugqiba ufuna i-inshorensi. Ukuba ukwenza oku, unokujamelana nezohlwayo phantsi koMthetho woNonophelo ongenakunceda nangona kunjalo.
06 Khetha enye indlela
Ukuze wenze ukhetho olulungileyo kwiimeko zakho, kufuneka ukhangele zonke iinketho ezikhoyo kuwe. Ngamanye amaxesha ixabiso leCOBRA lingabi xabisa kunezinye iindlela. Unokuhamba kunye ne-inshorensi yempilo yexesha elifutshane ngelixa ulindele ukuvunywa kwi-plan ye-inshurensi ephezulu okanye ye-inshorensi yezempilo. Ukuba unentsapho, unokufuna ukucinga ukusebenzisa i-inshurensi eyahlukeneyo ilungu ngalinye lentsapho ngokuxhomekeke kwimbali yomntu. Kufuneka uphephe izinto ezifana neengxenye zempilo, ezivakalayo njenge-inshurensi yezempilo, kodwa ingenjalo.