Uma ulindele ushintsho empilweni yakho, ukuhlela umshuwalense wezempilo ngemuva kwalolu shintsho yingxenye ebalulekile yokulondoloza ukuphepha kwakho kwezimali kanye nempilo yakho. Indlela eyaziwayo yokuthola umshuwalense wezempilo emva komcimbi omkhulu wokuphila uzoqhubeka nomshuwalense wakho wezempilo oxhaswe ngumqashi usebenzisa i- COBRA .
Uma uthola isehlukaniso, uba umfelokazi noma umfelokazi, noma ulahlekelwe umsebenzi wakho, ukulahlekelwa yomshuwalense wakho wezempilo kunganezela ukucindezeleka okungaphezulu uma izindlela zakho zokubhekana nazo sezivele zixoshiwe.
Uma uhlambalaza ukuthola umsebenzi omusha, hamba, ufunde ukuthi ungahlala kanjani ngaphandle komlingani wakho, noma zonke lezo zinto ngesikhathi esisodwa, ukhetha uhlelo olusha lwezempilo emakethe ngayinye kungaba yinto emangalisayo (ukucaca, ukhetha uhlelo olusha akuyona inzima njengoba kungase kubonakale, futhi ngokuqinisekile uzofuna ukuqhathanisa izinhlelo zamakethe ngamunye nge-COBRA enikunikezayo. Kodwa kwezinye izimo, ukuqhubeka nokukhokha kwakho okukhona nge-COBRA kuyoba yindlela enhle kakhulu).
Nge-COBRA yokuqhutshwa kokuqhubeka, akudingeki ukhethe uhlelo olusha. Uvele uqhubeke nokuhlinzekwa okuxhaswe ngumqashi okwamanje onayo. Akukho ukuthola udokotela omusha ngoba udokotela wakho wamanje awunayo inethiwekhi ngecebo lakho elisha lempilo. Awekho amarekhodi wezokwelapha okudluliselayo noma imiyalelo. Ungaqhubeka nomshuwalense wakho wezempilo kuze kube yizinyanga ezingu-18 noma ezingu-36 (kuye ngezimo zakho), isikhathi esanele sokubuyela ezinyaweni zakho futhi wenze uhlelo olusha.
Nokho, akuwona wonke umuntu ovunyelwe ukusebenzisa umthetho we-COBRA ukuze aqhubeke nomshuwalense wezempilo.
Ukuqonda ukuthi ungumuntu ofanelekile kumshwalense wezempilo we-COBRA kuzokusiza ukuthi uhlele ikusasa eliphephile.
Ukuze ufanelekele i-COBRA, kufanele ukwanelise zonke izidingo ezilandelayo ezintathu:
- Uhlelo lwakho lwezempilo lwamanje kufanele luhambisane nomthetho we-COBRA . Akuzona zonke izinhlelo zezempilo.
- Kumele uthathwe njengomzuzi ofanelekayo ohlelweni lwakho lwezempilo lwamanje.
- Kumelwe ube nomcimbi ofanelekayo .
Ingabe Umshwalense Wempilo Yami Ihambisana ne-COBRA?
Akuzona zonke izinhlelo zezempilo okufanele zinikezele ngokuqhubekayo kwe-COBRA. Uhlelo lwakho lwenza uma luhlelo lweqembu olunikezwa ngumqashi wangasese osebenza nabasebenzi okungenani abangu-20. I-COBRA nayo isebenza ezinhlelweni eziningi zezempilo zikahulumeni nezendawo.
Ngeke ufanelekele i-COBRA uma kungekho plan yezempilo eqhubekayo ngoba umqashi wakho ulahlekile. Ngaphezu kwalokho, i-COBRA ayisebenzi ezinhlelweni zezempilo ezinikezwe uhulumeni wesifundazwe, ngamasonto, noma ngezinhlangano ezithile ezihlobene nesonto.
Isibonelo, lapho ngishiya emsebenzini wami wokuhlengikaza ne-Florida Hospital, angifanelekele umshwalense wezempilo we-COBRA. Lokhu kwakungekho lutho kimi; kungenxa yokuthi umqashi wami wangaphambili, izibhedlela zaseFlorida, uyingxenye ye-Adventist Healthcare, inhlangano eqhutshwa iSonto LamaSabatha. Ngenxa yokuthi izibhedlela zaseFlorida ziyinkampani ehlobene nesonto, uhlelo lwayo lwezempilo alusebenzi ngaphansi komthetho we-COBRA.
Lapho ngishiya umsebenzi osebenza esibhedlela saseKaiser Permanente, ngangifanelekele umshwalense wezempilo we-COBRA. I-Kaiser iyinhlangano enkulu, eyimfihlo, engumqashi ohlobene naye wesonto. Uhlelo lwezempilo lukaKaiser lwaluhambisana nomthetho we-COBRA; kwakudingeka nginikeze ukuqhutshwa kokuqhubeka kwe-COBRA.
Ngingumsizi Ofanelekayo?
Ukuze uthathwe njengomzuzi ofanelekayo, kufanele uqinisekiswe yi-plan yezempilo ngosuku ngaphambi kokuba kwenzeke umcimbi ofanelekayo. Ngaphezu kwalokho, kuzomele ube enye yalezi ezilandelayo:
- Isisebenzi somqashi esixhasa uhlelo lwezempilo.
- Oshade naye noma owake wangena naye oshade naye.
- Othembekile kulowo msebenzi.
- I-agent, umqondisi, noma isikontrakta esizimele esingesiwo umsebenzi, kodwa lokho kuhlanganyela ohlelweni lwezempilo.
- Kwezinye izimo , ungase uvumeleke uma usuqashwe umhlalaphansi, umlingani wakho osemhlalaphansi, noma ingane encike emhlalaphansi futhi ulahlekelwe ukukhokhelwa ngoba umqashi wakho wangaphambili ulahlekile.
Ingabe Nginomcimbi Wokufaneleka?
Okufanelekile njengomcimbi wokuphila kuxhomeke ukuthi ngabe uyisisebenzi esilahlekelwa ukukhokhelwa, noma othembekile kulowo msebenzi. Umcimbi wakho wokuphila uzokufanelekela ukukhishwa kwe-COBRA uma ungumsebenzi futhi:
- Ubekwe eceleni.
- Uyeka.
- Uxoshiwe, kodwa hhayi ukuziphatha okungalungile njengokuthatha noma ukushaya umphathi.
- Umsebenzi wakho unqanyuliwe nganoma yisiphi esinye isizathu.
- Usuqashwe, kodwa amahora akho anciphisa ukuthi ulahlekelwe yinzuzo yakho yomshuwalense wezempilo.
Umcimbi wakho wokuphila uzokufanelekela ukuhlinzekwa kwe-COBRA uma ungumlingani noma uxhomeke kwisisebenzi esikhulelwe futhi ulahlekelwa ukufakwa ngoba:
- Esinye sezizinto ezingenhla senzeke kumsebenzi.
- Isisebenzi siyafaneleka kuM Medicare . Uma lokhu kuyimeko yakho, thola izinketho zakho ngokuthi " Ukulahlekelwa Umshwalense Wempilo Yakho Ngoba Umngane Wakho Omusha Uthola Imithi? "
- Umsebenzi washona.
- Uhlukanisa noma uhlukaniswe ngokomthetho nesisebenzi.
- Ungumuntu omdala osemusha futhi ulahlekelwa isimo sakho esisekelwe ohlelweni lwezempilo. Uma lokhu kungesimo sakho, thola izinketho zakho " Ngineminyaka engu-26 futhi ngiyaxosha Umshwalense Wezempilo Omzali Wami. Yini Manje? "
Uhlelo Lwezempilo Lami Lukwazi Kanjani Ukunikezela I-COBRA?
Uma ufanelekele umshuwalense wezempilo we-COBRA, ngeke uthole isaziso sokhetho lwe-COBRA kusuka ohlelweni lwakho lwezempilo uma uhlelo lwezempilo lungasazi ngomcimbi wakho wokuguqula impilo. Omunye kufanele atshele umqondisi wezempilo. Lokhu kwaziwa ngokuthi "ukunikeza isaziso semicimbi efanelekayo."
Umqashi uzokutshela uhlelo lwakho lwezempilo uma ukulahlekelwa kwakho ukukhokhelwa kungenxa yokuqedwa kwesisebenzi, ukushona komsebenzi, ukufaneleka komsebenzi we-Medicare, noma ukunciphisa amahora omsebenzi wesisebenzi. Kungumthwalo wakho ukutshela uhlelo lwakho lwezempilo uma ukulahlekelwa kwakho ukukhokhelwa kungenxa yokuhlukanisa, ukwehlukana ngokomthetho, noma isimo esincane esisekudala esilahlekile ngaphansi kwepulani imithetho.
Kwezinye izimo, ungase ulingeke ukuba unqabe isaziso. Uma umqashi nesicwangciso sezempilo bengazi ukuthi uhlukanisiwe ngokomthetho, ungase ucabange ukuthi ngeke ukhokhe intela ye-COBRA yemishanguzo yempilo. Uzoqhubeka nje nokuqashwa komngane womshado njengokungathi ungumbhangqwana oshadile. Cabanga futhi.
Kudingeka ukuthi unikeze isaziso somcimbi esifanelekayo ngesikhathi esifanele. Ukunganiki isaziso somcimbi ofanelekayo uhlobo lokukhwabanisa; ngokuyisisekelo uthatha umshwalense wempilo ongasayifanelekile. Umqashi angase afune ukubuyiselwa kwesabelo sawo samaphrimiyamu wenyanga akhokhelwa ukusabalala owawungafanelekile ukuthola. Uhlelo lwezempilo lungadinga ukubuyiselwa kwemali yokukhokhelwa kwezempilo ngenkathi uthola ukukhokhelwa ngokukhohlisa.
Lokho kusho ukuthi awudingi ukunikeza isaziso ngenkathi uthola isehlukaniso, noma izinqubo zokuhlukanisa ngokomthetho. Awunesibopho sokunikeza isaziso kuze kube yilapho isehlukaniso noma ukuhlukaniswa ngokomthetho kwenzeke ngempela.
Kubuyekezwe nguLouise Norris.
> Imithombo:
> UMnyango Wezabasebenzi wase-United States, ama-FAQ mayelana ne-COBRA Yokuqhubeka Nokunakekelwa Kwezempilo. Okthoba 2016.