Ukufumana umgangatho ongenakunqwenelekayo ngeYobhi okanye iMali encinci
Ngazo zonke ezi zikhetho kunye nokuba netyala lokuhlawulwa kweerhafu, kukho ithuba elihle lokuba nokuba unayo imali encinane okanye ulahlekelwe ngumsebenzi wakho, kukho inketho kuwe.
Ngokweenkcukacha ezivela kwiSebe lezeMpilo laseMelika kunye neeNkonzo zeeNkonzo zoLuntu, kwaqikelelwa ukuba isiqingatha samaMerika angakhuselekanga ayenokukwazi ukubhalisela i-inshurensi yempilo kwi-ACA indawo yemarike, kodwa akazange acinge ukuba baya kufaneleka okanye abazange bajonge kuyo, nangona unokucinga, kusekho iindlela zokufaka isicelo se-2017 kunye nexesha lokuBhalisa okuKhethekileyo.
Xa ufuna i-inshurensi ye-Health Care engabonakaliyo Yazi Iindlela zakho
Sinika uluhlu lweendawo onokufumana ezikhethiweyo ze-inshorensi zempilo engezantsi, kodwa ukuba uthengela i-inshurensi efikelelekayo, unokufuna ukujonga i-article yethu yakutshanje: Iindlela ezili-10 zokugcina i-Health Care yakho kunye ne-inshurensi ihlawuleka, kungakhathaliseki ukuba kwenzeka emva koko.
Khangela Ubungakanani Ngomlingani Wakho okanye Umlingani Wasekhaya - Musa ukuhlawula kabini i-Ininshurensi
Ngaphambi kokuba uqale ukuzikhangela, ukuba unayo iqabane okanye iqabane lakho, fumana malunga ne-inshorensi yempilo yokuqala, ezininzi iinkampani ze-inshorensi zempilo kunye nocwangcisi abaxhasi baye bashintsha imigaqo ye- inshorensi yempilo yabalingani basekhaya kwaye unokufanelekile.
Uyakwazi ukongezwa ngokulula. Ungaphinda ufune ukujonga ukuba ufanelekile ukufakwa kwipolisi yabazali bakho okanye isicwangciso se-inshurensi yabafundi. Ukuba akukho nanye kulawo akwaziyo, nolu luhlu ongayenza ngalo ukuze ubone ukuba ufanelekile naziphi na ezi zikhetho.
Ukufumana iingcebiso ze-inshurensi zempilo ephantsi.
Ngezinye iinketho zokuvula, ukuqonda ukungafani kwimiba yemigaqo-nkqubo ye-inshorensi yempilo ibaluleke kakhulu, Qinisekisa ukuba uyayiqonda imigaqo yomshuwalense wakho wezempilo ukuze ungapheli ukuchitha imali emininzi ngenxa yeendleko eziphezulu, ngokusebenzisa i- coinsurance kunye neengxowa-mali. Ezinye izicwangciso zinika uncedo xa unxibelelwano ngenxa yokuba awufanele ugcwalise ifom yee- inshorensi zezempilo , kwaye uza kufumana amazinga aphantsi. Zonke ezi zinto zichaphazela njani imali enokuyenza ngaphambili okanye uxanduva. I-premium ayifanele ibe yinkcazo yakho kuphela.
Uludwe lwee-10 ze-Intshumo zeMpilo yeeNtsholongwane ukujonga xa ungekho uYobhi okanye iMali encinane
Nangona ezinye zeendawo zokufumana i-inshurensi yempilo ephantsi kwoluhlu zingabonakala ziqhelekileyo kuwe, zinike inani eliphakamileyo labemi baseMelika abafanelekile kwi-inshurensi yempilo efikelelekayo, kodwa abanabhaliswa kuyo nayiphi na inkqubo, kufuneka ufunde uluhlu olupheleleyo ngaphambi kokwenza naziphi na izigqibo kwaye uphando ngawo onke amathuba akho.
I-ACA inqamle imimiselo emininzi yangaphambilini kwaye iphakanyise ukufaneleka kubantu abaninzi abangenayo ikhetho ezincinci ngaphambi kokuguqulwa, oku kuguquka indlela oza kujonga ngayo iinketho ezikhoyo. Gcina ukhumbule ukuba ngoku unokufanelekela into ongazicinganga ngaphambili.
Izinketho zakho zokufumana iindleko eziphantsi kunye neNgcaciso ye-inshurensi yezempilo
Iinkqubo ze-inshorensi zempilo zincinci ziquka:
Umthetho wokuQiniswa koHlahlo lwabiwo-mali lwe-Omnibus ( COBRA )
Imbuyekezo yabasebenzi
Abantu abangakumbi Abafanelekile kwiMedicaid, Jonga kule Ntshurensi yeMpilo
LweMida
Indawo yeNtengiso ye-Intshumo yeMpilo yeZimo eziPhambi kwexesha
I-Insurance Term
I-inshurensi yeqela kwiBhodi yobulungu
Igalelo lezeMpilo zeQela leNkqubo
Iikhodi zeeNkcazo ze-inshurensi zezempilo
Uluhlu lweeNkcazo zeMpilo ze-Intshumo ezi-10 eziphezulu ukujonga xa ungekho uYobhi okanye iMali encinane
UMthetho wokuQinisekiswa koHlahlo lwabiwo-mali lwe-Omnibus ( COBRA )
Ukuba uthe wagqitywa okanye awusebenzi kodwa wayesekhokhelwe ngaphambili kwiqumrhu le-inshorensi yempilo kunye nomqeshi wakho wangaphambili, unokufumana ilungelo lokuqhubeka ne-inshorensi yakho yezempilo ngokusebenzisa i-COBRA.
Abafundi banokukwazi ukuqhubeka nokubonga i-inshorensi yempilo yabo yomzali ku-COBRA. Oku kukhethwa ngokukhethekileyo xa uphantsi kweyeza unyango kunye neprogram yakho yangaphambili yinshorensi yezempilo, kwaye kufuneka ufumane ukukhutshwa okuza kukuvumela ukuba uqhubeke unyango ngokukhawuleza. Ezi zicwangciso zezicwangciso azikhozona zithengekayo, ngoko-ke phambi kokuba uzilungiselele isicwangciso qinisekisa ukuba uhlolisise indawo yezorhwebo yonyango ngenxa yokuba unokukwazi ukufumana enye inketho.
2. Abasebenzi beMbuyekezo
Iprogram yoQeqesho lwaBasebenzi baseburhulumenteni bangakwazi ukukunika izicwangciso zonyango lwezempilo xa uphathwa ngokulimala okwenzekayo ngexesha usebenza. Le nto ngokuqinisekileyo kufuneka ukhangele ukuba ngaba yimeko yakho.
3. Ukucamngca: Abantu abaninzi ngoku bafanelekile, Jonga kule Ntshurensi yeMpilo
Ininzi ishintshile ukususela kuMthetho woNonophelo ongenakunqwenelekayo , kuquka iimfuno zeMedicaid. Inani labantu abafanelekile ukufumana iMedicaid liye landa kakhulu, kodwa iifomati zibonisa abantu abaninzi abazi. Ukuba awukhange ukhangele kule nto, qiniseka ukuba ufumene malunga neenguqu kwiMedicaid kwilizwe lakho. Ngaphandle kwabo bahlala ngaphantsi kweendlala, kukho ezininzi izinto ezivumela abantu abaneengeniso ngaphezu komgca-ntlupheko ukuba bafaneleke. Ukwandiswa kweMedicaid kuhlukile kwilizwe ngalinye, ngoko kufuneka uqhagamshelane nomkhomishinala wakho we-inshorensi yomhlaba ukuba ufumane ukuba uthatha inxaxheba.
4. Utywala
I-Medicare ilawulwa nguLawulo loKhuseleko loLuntu. ukuba ufumana inzuzo yokukhubazeka kweNtlalo okanye ungaphezu kwamashumi mathandathu anesihlanu ungakufanelekela kwi-Medicare. Kaninzi "
5. Impilo ye-Intshumo yeMpilo yeeNkcazo zeMeko eziPhambi kwexesha
Ekubeni i-ACA, izicwangciso zeemarike zibandakanya unyango lweemeko zonyango zangaphambili, ngokutsho kwe-HealthCareGov.org:
- Ayikho iplani yomshuwalense inokukunqanda, ihlawulise ngaphezulu, okanye inqabile ukuhlawula iintlawulo zezempilo ezibalulekileyo kwiimeko ezikhoyo ngaphambili.
6. Umshuwalense wezeMpilo ngamnye
Kukho izicwangciso ezininzi ze-inshurensi yabucala apho unokufumana iingcaphuno zempilo yomntu ngamnye okanye yezempilo. Izicwangciso ezizimeleyo zinokubiza imali eninzi, ke qiniseka ukuba uhlolisisa kwindawo yokuthengisa ngaphambi kokuba ulungise kwisicwangciso esizimeleyo. Unokuthenga i-inshorensi yempilo ngendlela efanayo ukuba uya kukhangela i-inshurensi yasekhaya engcono okanye uxoxisana nge-inshurensi yemoto.
Ngaba I-Health-Deductible Health Plan iphambili?
IziCwangciso zeMpilo eziPhezulu
Ukufumana umgaqo-nkqubo ophuculweyo ophezulu we-"ngxamiseko" yindlela engcono yokugcina isicwangciso se-inshorensi yempilo ephantsi kunye nokugcina iAkhawunti yokuThengiswa kweMpilo kwimicimbi encinci yempilo iya kukugcina imali ngokukhawuleza.
7. Inkcazo yeNtsholongwane yeNtsholongwane yexesha elifutshane
Inkonzo yomshuwalense wexesha elifutshane ufumaneka kubantu ngabanye kunye nakwiintsapho zabo kwaye yenza i-inshorensi yempilo yentsholongwane yempilo xa ufuna ukukhutshwa ngokukhawuleza ukuze ugweme ikhefu le- inshorensi yezempilo xa ufuna enye inketho.
8. I- Intshurensi yamaqela kwiBhunga loMbutho
Imibutho emininzi inikezela ngamancedo angaphezulu kumalungu awo ngokubonelela ngamacandelo e-inshorensi yezempilo. Ukuba ungoko nawuphi na uhlobo lobungano bombutho, kuyafaneleka ukuba ubuze ukuba banesicwangciso se-inshorensi yezempilo. Amanye amaqela aqhelekileyo angaba ngamaqela alumni okanye imibutho yobungcali. La maqela anceda ukubonelela ngamaprimiyamu e-inshurensi yempilo yamalungu abo. Amanye amaziko eentengiso okanye iinkampani ezizimeleyo zingabonelela ngezi zicwangciso, ngoko kukufanele ukujonge kule ndlela njengenye indlela kwi- inshorensi yezempilo yeqela elixhaswe ngumqeshi. Kaninzi "
Iindleko zezeMpilo zeQela elikwabelana ngeCwangciso / iNkonzo yoLondolozo lwezeMpilo (HCSM)
Iindleko zokwabelana ngeendleko zempilo xa iqela labantu lidibanisa imali kunye kunye nokuhlawula iindleko zonyango zabanye abazenzayo njengenkampani yabo yinshorensi. Izicwangciso zezokwabelana ngeendleko zezempilo azikho izicwangciso ze-inshorensi, ngoko ke azilawulwa ngendlela efana ne-inshorensi, ngoko kubalulekile ukujonga kwimbali yeli cwangciso phambi kokuba ujoyine. Iminikelo yamalungu ihlanganiswe kwaye ityalomali kwaye ngokuqhelekileyo igcinwe ukuhlawula iindleko ezinkulu zonyango. Ezi zicwangciso aziqhelekanga zisetyenziselwe iintsuku zempilo zentsuku ezifana nokuhlolwa okanye iinkqubo ezincinci.
Inkonzo yokwabelana ngononophelo lwempilo (HCSM) xa iqela labantu ababelana ngeenkolelo ezifana nelo lidala izicwangciso zokwabelana ngeendleko zempilo. I-HCSM yinkampani engekho inzuzo, ngoko kwakhona, nangona inika enye intsholongwane, ayikho yinshuwalense yezempilo kwaye ayilawulwa ngendlela efanayo. Ezi zicwangciso ziquka izibonelelo zeenkolelo zeqela, ngoko ukuba iinkqubo zichasile ngokokuziphatha, aziyi kuhlanganiswa phantsi kwezi zicwangciso. Imizekelo emibini i-Medi-Share, kunye namaSamaria Ministries. Kaninzi "
10. Iikhodi zeeNkcazo ze-inshurensi yezempilo
Amakhadi okunciphisa i-inshurensi yempilo enika iinkonzo zonyango ezincinci ngokutshintshisa imali yobulungu. Oku kunikeza izaphulelo kwiinkonzo zonyango kodwa akusikho i-inshurensi. Akuboneli naliphi na imali yokubuyisela imali, iyanciphisa iindleko zakho xa usebenzisa iinkonzo zamalungu ezithatha inxaxheba kwisicwangciso.
Indawo yokuThengiswa kweMpilo kufuneka ibe ngowokuqala
Khumbula ukuba i- Obamacare kunye neendawo zemarike zonyango zivule iinkqubo ezininzi kunye nokulungelelanisa ukwandiswa kwezicwangciso ze-inshorensi zempilo. Okwangoku kukho amanani amaninzi aseMerika angakwaziyo ukuba afanelekele ukunakekelwa kwempilo, ngoko ke ngaphambi kokuba ukhethe naziphi na ezinye zezikhetho, zinike indawo yokuthengisa ematyeni.