Ngesikhathi sokubhalisa okuvulekile khetha inketho engcono kakhulu yezempilo impilo yakho nomndeni wakho
Nakuba kungenzeka ucabanga ukuthi yiliphi ukhetho lokuvotela okhethweni lukaNovemba, kufanele ulalelisise nezinguquko kwinzuzo yakho yomshuwalense wezempilo. Izinkampani eziningi zinikeza izinketho eziningi zokuhlela ezempilo ezingase zibe nezindleko nezinzuzo ezahlukene, futhi isikhathi sokubhalisa sonyaka ovulekile somqashi wakho siyisithuba sakho sokwenza izinguquko ekusakazeni kwakho.
Ukubhalisa kuvame ukuqhubeka ekupheleni konyaka wekhalenda ngalinye nasezinkampanini eziningi kubanjwe kanye kanye njalo kumasonto amabili kuphela. Uma ungaphumeleli ukubhaliswa okuvulekile kwenkampani yonyaka wakho, ungase ungakwazi ukubhalisa ohlelweni lwezempilo lomqashi wakho-noma wenze izinguquko ekuhlinzekeni kwakho okukhona-ngomunye unyaka.
Hlola nomnyango wenkampani yomuntu wenkampani ukuthola ukuthi isikhathi sakho sokubhalisa esivulekile siqala futhi siphela, futhi uma inqubomgomo yomshwalense wakho wezempilo iqalisa ukusebenza. Ngokuvamile, ukubhaliswa okuvulekile kwenzeka eduze kokuphela konyaka, nazo zonke izinguquko zezinhlelo, ukubhaliswa, nokuphela kokuqeda ukusebenza ngoJanuwari 1 wonyaka ozayo. Kodwa lokhu akusiyo njalo, ngakho-ke isheke kabili ukuze uqiniseke (inothi lokuthi isikhathi sokubhalisa evulekile emakethe ngayinye siqala ngoNovemba 1 njalo ngonyaka , kanti isikhathi sokubhalisa esivulekile se-Medicare Advantage ne-Medicare Part D siqala ngo-Okthoba 15 njalo ngonyaka , kodwa izinhlelo ezixhaswe ngumqashi zinamashejuli ahlukene wokubhalisa).
Ukukhetha uhlelo lwezempilo ngesikhathi sokubhalisa okuvulekile
Qinisekisa ukubheka ngokucophelela kuzo zonke izinketho zakho zokuhlela impilo ukuze unqume ukuthi yiliphi uhlelo olufanele kakhulu wena nomndeni wakho. Abantu abaningi bakhetha uhlelo oluba nomthelela omncane ku-paycheck yabo-uhlelo nge-premium ephansi kakhulu. Noma kunjalo, lokho kungase kungabi yindlela engcono kakhulu kuwe.
Gcina isikhathi futhi wenze umsebenzi wesikole!
Inkampani yakho kufanele ikunikeze izinto ezibhaliwe ezichaza izinzuzo zakho. Abaqashi abaningi banikeza imihlangano yokuhlela inzuzo lapho ungacela imibuzo mayelana nezinketho zakho zezempilo. Uma ungaqondi izinketho zakho zomshuwalense, cela usizo ukukhumbula, uma wenza isinqumo, ngeke ukwazi ukushintsha izinhlelo kuze kube ngonyaka ozayo.
Qonda imibandela yomshuwalense wezempilo
Uma ungaqondi imigomo yomshuwalense wakho ingakubiza ngaphezulu ngonyaka ozayo. Ezinye izinto ezibalulekile okufanele uzifunde ngilezi:
- Uyini umehluko phakathi kokukhokhwa kwemali nokuqinisekiswa kwemali ?
- Iyini i- deductible yonyaka futhi ingayithinta kanjani amaphrimiyamu akho ngenyanga kanye nezindleko zangaphandle ?
- Iyini inethiwekhi yomhlinzeki futhi kwenzekani uma usebenzisa udokotela ongekho inethiwekhi ?
- Uyini umehluko phakathi kwama-PPOs, ama-EPO, nama-HMO nokuthi yikuphi okukhethayo kuwe?
Hlola imali yakho yokunakekelwa kwempilo ngonyaka odlule
Buyekeza ukunakekelwa kwezokwelapha nezindleko umndeni wakho ezisetshenziswe kulo nyaka futhi ucabange mayelana nezinguquko ezinsizakalo zokunakekelwa kwezempilo ongase uzidinge ngonyaka ozayo. Isibonelo, ingabe uhlela ukuba nengane noma ngabe othile emndenini osanda kutholakala ukuthi unesifo esingapheli njengesifo sikashukela?
Bheka ukuthi ngabe Abanikezeli Bakho Abanakekeli WezeMpilo Bawamukela Umshuwalense Wakho
Ngaphambi kokuba ugcwalise amaphepha ukuze ushintshe amapulani, qiniseka ukuthi udokotela wakho, udokotela wezokwelapha kanye nesibhedlela bayingxenye yenethiwekhi yecebo lempilo oyikhethayo. Kuye lapho uhlala khona, abahlinzeki bakho kungenzeka ukuthi bangabi kwinethiwekhi uma ushintsha inkampani yakho yomshuwalense noma ushintsha ohlelweni lwezempilo oluhlukile. Ngenxa yalokhu, kubalulekile ukuthi uhlole ukuthi abahlinzeki bakho basese-inethiwekhi ngisho noma ukhetha ukugcina ukwaziswa kwakho kwamanje kusukela abahlinzeki beza futhi behamba emanethiwekhi omshwalense nganoma isiphi isikhathi.
Izinto ezingu-5 zokulinda ngesikhathi sokubhalisa okuvulekile
Abaqashi bazama ukulondoloza imali, ikakhulukazi njengoba izindleko zokunakekelwa kwezempilo ziqhubeka nokukhuphuka kwazo. Enye indlela yokwenza lokhu ukunciphisa izinzuzo zomshuwalense wezempilo (okungukuthi, ama-deductibles aphezulu, ama-copays, kanye nezindleko eziphelele ezingaphandle kwe-pocket) kanye / noma ukushintsha izindleko ze-premium kubasebenzi. Qinisekisa ukuthi ufunda ngokucophelela izinto zakho zokuhlela ezempilo, njengoba ungathola ukuthi izinzuzo zakho nezindleko zizoshintsha ngonyaka ozayo.
- Hlola ukuze ubone ukuthi abantu abaxhomeke kulo - oshade naye, ozakwethu nabantwana - bahlanganiswa. Ngaphansi kwe-ACA, bonke abaqashi abakhulu (abasebenzi abangama-50 noma ngaphezulu) kudingeka banikeze ukuhlinzekwa kwabasebenzi besikhathi esigcwele nabancike kubo, kodwa akudingeki ukuba banikeze ukukhokhelwa kwabashadile. Izinhlelo eziningi ezixhaswe ngumqashi ziqhubeka zikhona kubantu abashadile, kodwa izinkokhelo zisebenza kwezinye izimo , ngakho qiniseka ukuthi uyaqonda ukuthi uhlelo lomqashi wakho luzokwenzela kanjani amalungu omndeni wakho.
- Buyekeza noma yiziphi izimfuneko zokugunyazwa ngaphambi kokudinga izinhlelo. Futhi uma uhlelo lwezempilo lomqashi wakho luzala, qaphela noma yikuphi ukulinganiselwa kwesimo esandulele esikhaleni. Ngaphansi koMthetho Wokunakekelwa Kwezezimali (Affordable Care Act), izinhlelo zezempilo ezixhaswe ngumqashi angeke zibeke isikhathi sokulinda esimweni esiphelele, kepha lokho akusebenzi kumacebo amakhulu. Ngakho-ke uma uhlelo luzalwa kakhulu futhi uke waba nempumelelo ekubhaleni ngaphambi kokubhalisa, qaphela imithetho ngokwezinkathi zokulinda kwezimo ezandulele.
- Uma uthatha imithi yokwelashwa, hlola kubo ohlwini lwezidakamizwa ezivunyiwe (formulary) ohlelweni lwezempilo (noma izinhlelo, uma kunezinketho eziningi) umqashi wakho unikeza. Futhi, uma uthatha imithi ebiza igama lomkhiqizo, thola inani lenkokhelo noma uqiniseko lwemithi ngayinye kumuthi ngamunye okhona.
- Uma wena noma ilungu lomndeni udinga ukwelashwa okuqhubekayo noma unenkinga yempilo yengqondo edinga ukwelashwa, ubuyekeze ukuthi yini uhlelo lwakho lwezempilo oluzokwenza futhi ngeke lumboze. I-ACA idinga ukuba iqembu ngalinye nelicembu lihleleke ukumboza zonke izinzuzo ezibalulekile zezempilo , kodwa leyo mthethonqubo ayisebenzi kumacebo amakhulu eqembu, ngakho-ke qonda ukulinganiselwa kohlelo.
- Hlola ukuqinisekisa ukuthi wena nomndeni wakho ninemali ephelele yezimo eziphuthumayo uma nihamba e-US noma kwelinye izwe.
Umthelela Womthetho Wokunakekelwa Ongenakuthembekile on Izinzuzo Zakho
Izinhlinzeko eziningana ezengeziwe ze- Care Affordable Act Act zithinta umshwalense wezempilo weqembu. Lezi zinguquko, okufanele uzi ukuthi uma ukhetha uhlelo lwezempilo olunikezwe umqashi wakho, faka:
- Ungagcina izingane zakho ezindala ohlelweni lwakho lwezempilo kuze kube yilapho uneminyaka engu-26.
- Imingcele yokuphila kwanshuwalense yezempilo ayivunyelwe.
- Imikhawulo yokuhlomula yonyaka ayivunyelwe futhi, kodwa lo mthethonqubo awusebenzi kumacebo amakhulu. Ngakho-ke uma uhlelo lomqashi wakho luzala, hlola ukuze ubone ukuthi kunemikhawulo yenzuzo yonyaka.
- Kunemikhawulo engaphezulu ekuphumeni okukhulu kwezokuphepha ukuthi izinhlelo zezempilo zingaba nazo, nakuba le mithetho ingasebenzi ezinhlelweni ezinkulu noma ezinkulu .
Amanye amathiphu avela kuDkt Mike
Ngokuvamile, uma ukhokhela i- premium ephezulu, i-deductible yakho yaminyaka yonke kanye ne-copayments izoba ngaphansi. Ngakho-ke, ungase uthande ukucabangela uhlelo nge amaphrimiyamu aphezulu kanye nezindleko ezingaphansi kwe-pocket uma ulindele ukusebenzisa izinsizakalo eziningi zezempilo kulo nyaka ozayo. Futhi, uma usemncane futhi unempilo futhi ungenayo izingane, ungase ufune ukukhetha uhlelo nge-premium ephansi kanye nezindleko eziphezulu ezingaphandle kwe-pocket.
Kodwa lokhu okufakiwe akuyona iqiniso ngaso sonke isikhathi-ngezinye izikhathi uzophuma phambili ngokwezindleko eziphelele ngokukhetha uhlelo oluphansi lwe-premium, naphezu kwezindleko ezingaphezulu kwe-pocket, ngisho noma ugcina ukuhlangabezana nokugcwele -i-pocket umkhawulo wonyaka.
Nakuba uhlelo lwakho oluxhaswe ngumqashi kungenzeka ukuthi lukhetha ukhetho olubi kakhulu futhi lunikeza ukubhekwa okungcono, ungakwazi ukuphuma uphinde uthenge. Khuluma nommeli womshuwalense wezempilo emphakathini wakho noma hlola izinhlelo ezitholakalayo kwi-HealthCare.gov. Uma umqashi wakho enikeza umshuwalense wezempilo ongabizi ukuthi unikeze inani eliphansi, ngeke ukwazi ukuthola izinsizakalo ze- premium (credits tax premium) ekushintsheni. Kodwa kuye ngokuthi uhlelo lwakho lunikeza umqashi wakho, kungakhathaliseki ukuthi umqashi wakho uhlanganisa ingxenye ye-premium yamalungu omndeni, nokuthi unakekelwa kangakanani impilo, kungenzeka ukuthi uhlelo oluthengwe emakethe ngalinye lungabonisa inani elingcono, ngakho-ke kufanelekile ngenkathi uhlola.
Uma ufuna ukufunda kabanzi mayelana nezinhlelo zezempilo ezinikezwa ngumqashi wakho noma uma unelisekile ngezimpendulo zemibuzo yakho ngesikhathi sokubhalisa okuvulekile, xhumana nomnyango womshuwalense wombuso. Imininingwane yakho ye-inthanethi kufanele ihlanganise inombolo nezinhlobo zezikhalo ezenziwe mayelana nezinhlelo zezempilo ezilayisensiwe kuhulumeni wakho.