Izinsuku Zokubhalisa Ezivulekile zingase ziphele
Ukubhalisa yisikhathi sonyaka njalo lapho ungabhalisela umshwalense wezempilo. Uma ungabhalisele umshwalense wezempilo ngesikhathi sokubhalisa okuvulekile, cishe awukwazi ukubhalisela umshwalense wezempilo kuze kube yisikhathi sokubhalisa esilandelayo, ngaphandle uma uhlangabezana nesenzakalo esifanelekayo.
Uma uvumelekile futhi ufaka isicelo somshuwalense wezempilo ngesikhathi sokubhalisa okuvulekile, uhlelo lwezempilo kufanele luqiniseke.
Inkampani ayivunyelwe ukusebenzisa ukubhala phansi noma idinga ubufakazi bokungaqiniseki, kokubili okungakwenza kube nzima kuwe ukuthola umshuwalense wezempilo.
Imiphi Imithombo Yomshuwalense Wezempilo Esebenzisa Izikhathi Ezibhalisiwe Zokubhalisa?
Vula izikhathi zokubhalisa zivame futhi zikhona:
- Medicare
- Umshwalense wezempilo osekelwe kuJobe
- Umshwalense wempilo yemakethe ngamunye, ngenxa ye-Care Affordable Act (amawindi okubhalisa asebenza kokubili emshwalense wezempilo kanye ngaphandle kwezingxoxo)
Ngabe Ukubhalisa Kuvulekile Nini?
Isikhathi sonyaka sokubhalisa okuvulekile sincike ohlelweni lokunakekela impilo oyikhethayo:
- I-Medicare yokubhalisa evulekile isebenza kusukela ngo-Okthoba 15 kuya kuDisemba 7 unyaka ngamunye. Qaphela ukuthi lokhu AKUSEBENZI kumacebo e-Medigap, angenayo isikhathi sokubhalisa sonyaka ovulekile. Izinhlelo ze-Medigap zitholakala kuphela ngaphandle kokubhaliswa kwezokwelapha phakathi nesikhathi sokubhalisa kwakho kokuqala, noma ngesikhathi esisodwa sokubhalisa esikhethekile kakhulu esisebenza kulawo macebo.
- Umshwalense wezempilo osuselwe enkonzweni kaJobe ovulekile oqashwe ngumqashi wakho futhi kungenzeka nganoma isiphi isikhathi sonyaka. Kodwa-ke, kuvame ukungena ekwindla ngakho ukuqala okusha kuqala ngoJanuwari 1 wonyaka ozayo.
- Ukuvulwa kokubhalisa emakethe ngayinye (ekuphumeni nasekushintsheni) kuye kwahluka kakhulu eminyakeni embalwa edlule. Kusukela ngo-2018 ukuhanjiswa, isimiso sokubhalisa esivuliwe siphelile ngoNovemba 1 kuya kuDisemba 15, nazo zonke izinhlelo ziphumelela ngoJanuwari 1 wonyaka ozayo. Ukubhalisa okuvulekele ukubhalwa kuka-2018 kwaqala ngoNovemba 1, 2017 futhi kuphelile ngoDisemba 15, 2017 ( enezandiso ezikhulwini eziyishumi ezisebenzisana nazo ). Lesi yisikhathi esifanayo esilungiselelwe ukuba sisetshenziswe eminyakeni ezayo kanye. Ukubhalisa ku-2018 kubhalwe okokuqala ukuthi ukubhaliswa kwaphela ngaphambi kokuqala konyaka omusha, futhi ukuhlela okukhethwayo akunakwenziwa ngemva konyaka kuqala (ngaphambi kuka-2014, ukubhaliswa kwakutholakala unyaka wonke emakethe ngayinye, kodwa kuma-insurers amaningi ukufaneleka okuzimisele ngokusekelwe emlandweni wezokwelapha kwabafakizicelo, okwakusho ukuthi abantu abanezimo ezikhona ngaphambili banganqatshelwa ukukhishwa; lokho akusekho okwenzekayo, ngenxa ye-ACA). Funda kabanzi mayelana nokubhalisa okuvulekile emakethe ngayinye .
Ukubhalisa okukhethekile kuyisici sokuvula ukubhalisa
Izinhlelo zemishuwalense ezisebenzisa uhlelo lokubhalisa oluvulekile nazo zihlukile uma kukuvumela ukuba ubhalise ngaphandle kokubhalisa okuvulekile ngaphansi kwezimo ezandisa, ngokuvamile ezibizwa ngokuthi izenzakalo zokuphila. Eyaziwa njengesikhathi sokubhalisa esikhethekile , lokhu okuhlukile kukuvumela ukuba ubhalisele umshuwalense wezempilo uma ulahlekelwa yinye umshuwalense wezempilo ngoba wena:
- walahlekelwa umsebenzi wakho
- wathuthela
- uhlukanisile noma ushadile
- waba umfelokazi noma umfelokazi
- asebekhulile ngaphandle kohlelo lomzali
- ake umshuwalense we- COBRA uphelelwe yisikhathi
- unomntwana omusha
Ngeke ufaneleke isikhathi sokubhalisa esikhethekile uma ulahlekelwa yinye umshuwalense wezempilo ngoba awuzange ukhokhe izinyanga zamakhomishana zenyanga, noma ngabe ngokuzithandela ukhansele ukuhanjiswa kwakho kwangaphambili.
Qaphela ukuthi nakuba izenzakalo ezifanelekayo nezinkathi zokubhalisa ezikhethekile emakethe ngayinye zifana nalabo asebekhona isikhathi eside ngezinhlelo ezixhaswe ngumqashi, azifani. Nansi umhlahlandlela oqondene ngqo nezinkathi zokubhalisa ezikhethekile emakethe ngayinye, ekushintsheni nasekuphumeni.
Yiziphi izinhlobo zemishuwalense yezempilo ongasebenzisi ukubhaliswa okuvulekile?
Abaningi bomshuwalense wezempilo e-United States basebenzisa uhlelo oluthile lokubhalisa oluvulekile oluvimbela ukubhalisela isikhathi esithile ngonyaka.
Nazi ezinye izinto ezihlukile:
- I-Medicaid , umshuwalense wezempilo osekelwe emiphakathini, ayiqedi ukubhalisa isikhathi sokubhalisa okuvulekile. Uma ufaneleka ukuthola i-Medicaid, ungabhalisa noma kunini.
- I-CHIP , uhlelo lukahulumeni wase-United States lwe-Children's Health Insurance Program, alunciphisi ukubhaliswa esikhathini esithile, noma.
- Umshwalense wokuhamba awuhambisani nemikhawulo yokubhalisa evulekile, noma. Ngenxa yesikhathi esifushane sezinqubomgomo zomshuwalense wokuhamba, ngokuvamile azikho ngaphansi kokubhaliswa okuvulekile. Kodwa-ke, ezinye izinkampani zomshuwalense zokuhamba zivimbela ikhono lakho lokuthenga inqubomgomo yomshuwalense wokuhamba esikhathini esithile ngemuva kokubhuka uhambo lwakho.
- Umshuwalense wezempilo wesikhathi esifushane awusebenzisi isikhathi sokubhalisa okuvulekile noma. Njengomshwalense wokuhamba, umshuwalense wesikhathi esifushane awulawulwa yi-ACA, futhi izinhlelo zikhona unyaka wonke emazweni avumela. Isimiso esisha ngo-2017 esinqunyelwe izinhlelo ezinqunyelwe isikhathi esingaphansi kwezinyanga ezintathu esikhathini eside, kepha leyo mithetho kulindeleke ukuba iguqulwe ngaphansi kwemithetho emisha ebuyekezwa nguhulumeni wesifundazwe (imithetho yangaphambilini yavumela izinhlelo zesikhathi esifushane ukuba zibe khona kuze kube yizinsuku ezingama-364; lezo ziqondiso zingabuyiselwa, noma kungenzeka kube nomthetho omusha ngokuphelele, kodwa umkhawulo wenyanga ezintathu uzoba uqedwe ngokuphelele).
- Kwezinye izimo, imikhiqizo yomshuwalense eyengeziwe . Izinhlelo zomshuwalense ezengeziwe ezidayiswe kubantu ngabanye ziyatholakala unyaka wonke. Kodwa uma umqashi wakho enikezela umshuwalense owengeziwe, ithuba lakho lokubhalisa lizobe likhawulelwe isikhathi sokubhalisa jikelele somqashi wakho.
Amathuba amaningi wokubhalisa okuvulekile
Abaningi abaqashi bakuvumela ukuba ubhalisele noma ushintshe ezinye izinzuzo ezisekelwe emsebenzini ngesikhathi sokubhalisa okuvulekile, futhi. Ngokujwayelekile, uvunyelwe ukwenza lezi zinguquko ngesikhathi sokubhalisa okuvulekile. Isibonelo, ungakwazi uku:
- setha i- akhawunti yokusebenzisa imali noma i- akhawunti yokulondoloza impilo
- ukubhalisela, noma ukulungisa inani lempilo, umshuwalense wokuphila, umshuwalense wokukhubazeka, umshuwalense wemiboniso, umshuwalense wamazinyo , umshuwalense womthetho, izinzuzo zomshuwalense ezengeziwe , njll.
Futhi eyaziwa ngokuthi: ukubhaliswa kwonyaka, ukubhaliswa kwezinzuzo zonyaka
> Imithombo:
> UMnyango WezeMpilo Nezinsizakalo Zabantu, Isaziso Sokugcina Senzuzo kanye Nezikhalazo Zokukhokha Zonyaka ka-2018 . Ngo-Disemba 17, 2016.
> Isevisi yangaphakathi yeNgeniso, Izinzuzo Ezingeziwe; Imingcele yokuphila kanye nonyaka; kanye Nomshuwalense Wesikhathi Esifishane Nesikhathi Esincane . 2016
> Norris, uLouise. amazinginsurance.org. Isiqondiso Sezikhathi Ezibhalisiwe Ezikhethekile Emakethe Yomuntu ngamunye. February 2017.
> Ihhovisi Lezokwazisa Nezindaba Zokulawula, Ihhovisi Lokuphathwa Nezimali. > Isikhathi esifushane > Umshwalense Wesikhathi Esincane (CMS-9924-P). Ukubuyekeza kuphelile ngo-2/7/2018.