Uma uhlelo lwakho lomshuwalense wezempilo lwe- Obamacare lukhanseliwe ngoba ubuphuzile kakhulu ukukhokhela izinkokhelo zakho zomshuwalense wezempilo , udinga ukuqonda ukuthi kwenzekani emithwalweni yakho yezokwelapha engakhokhiwe, izinketho zakho zokuthola umshuwalense wezempilo manje, futhi uma uzodingeka ukhokhele inhlawulo ngokungaqinisekisiwe.
Kwenzekani Ngezikhwama Zezokwelapha Zingakhokhiwe Ngemva Kwomshuwalense Wezempilo Wakho Kukhanseliwe
Uma uthola imali yomshuwalense wempilo yesikhwama semali yesikweletu se- premium ukukusiza ukhokhele umshuwalense wezempilo owathengile nge- Affordable Care Act yokushintshwa komshuwalense wezempilo, kunethuba lokuthi ungathola ezinye izikweletu zezokwelapha ezibuyisela kuwe ezingakhokhelwa yimpilo yakho yangaphambili plan.
Lokhu kwenzeka uma uthola izinsizakalo zokunakekelwa kwezempilo ngenkathi usuphakathi kwezinsuku ezingu-31 no-90 ukukhokhela ukukhokhela umshwalense wakho womshuwalense wezempilo.
Uma usuphelile izinsuku ezingaphezu kwezingu-30 ukhokhela i-premium yomshuwalense wezempilo, uhlelo lwakho lwezempilo luzobeka izimangalo ezingenayo esimweni "esilindile". Esikhundleni sokucubungula nokukhokha lezi zimangalo, zibanjwa ngenkathi inkampani yomshuwalense ilinda ukubona ukuthi uthola imali yakho yokukhokha. Uma ungaboni, umshuwalense wakho wezempilo uzokhanselwa uma usuphelile izinsuku ezingu-90. Ukukhansela kuzokubuyela emuva ngesikhathi usuqala izinsuku ezingu-31.
Izimangalo zokunakekelwa kwezempilo ozitholile ngenkathi usuphakathi kwezinsuku ezingu-31 no-90 zikhokha izinkokhelo zakho ngokukhawuleza ziyonqatshwa futhi umhlinzeki wezempilo uyokulindela ukuthi ukhokhe. Njengoba ukusulwa komshuwalense wakho wezempilo kubuyiselwe emuva kosuku owaba yizinsuku ezingu-31 sekwephuzile, ngeke usakwazi ukuthola isaphulelo uhlelo lwakho lwangaphambili lwezempilo oluxoxisana nomhlinzeki wakho we- in-network .
Empeleni, awuqinisekisiwe uma unakekelwa lokho. Isikweletu sakho singaphakanyiswa kakhulu ngaphandle kwesaphulelo senethiwekhi .
Uma ucabanga ukuthi lokhu kungenzeka kuwe, into engalungile ongayenza akuyona into. Yenza kahle. Yiya kumhlinzeki wakho wezempilo ngaphambi kokuba umshwalense wakho wezempilo unqanyulwe ngosuku 91 bese uxoxisana ngesenzo.
Abahlinzeki abaningi bathumela ama-akhawunti angadluli kuma-ejensi eqoqo, ngakho ukwehluleka ukwenza okuthile kungathinta amaphuzu akho esikweletu futhi kwenze kube nzima ukuthola isikweletu esikhathini esizayo.
Uma usondela kumhlinzeki wakho mayelana ne-bill engakhokhiwe, qiniseka ngesimo sakho. Abahlinzeki abaningi bezempilo bazoxoxa ngezinhlelo zokukhokha ngoba bekungcono bakhokhelwa kancane kancane kunakhokhelwa nhlobo. Ukuxoxisana nohlelo lokukhokha kungagcina isikweletu sakho esivela ezandleni ze-ejensi yokuqoqa. Uma uthola ukunakekelwa enhlanganweni enkulu efana nesibhedlela, cela mayelana nokutholakala kwesaphulelo sokuzikhokhela noma ukunakekelwa kosizo.
Isijeziso Sokuba Uninsuredured
Uma uhlala ungaqinisekisiwe ezinyangeni ezingaphezu kwezingu-3 ezilandelanayo, ungase ukhokhe intela yentela uma ufaka intela yakho yentela ngonyaka ozayo. Inhlawulo isekelwe kwimali engenayo futhi ibalwa njalo ngenyanga; uzobe ulahlwa izinyanga ongenayo ukukhokhelwa komshuwalense wezempilo okungenani usuku olulodwa.
- Isijeziso Sini Sokungabi Nempilo Yomshuwalense Wezempilo?
- Izinto 9 Zokwazi Ngesijeziso Somshuwalense Wezempilo
Kwezinye izimo, ungathola ukukhululwa emthethweni wokuba nomshuwalense wezempilo. Kulesi simo, uzogwema ukukhokha inhlawulo ngisho noma uhlale ungaqinisekisiwe.
Izinketho zokuPhuthukiswa koMshuwalense wezeMpilo emva kokuthi uhlelo lwakho lwezempilo lukhanseliwe
Ukulahlekelwa yomshuwalense wakho wezempilo ngoba awuzange ukhokhe ama-premium akho akufanelekeli isikhathi sokubhalisa esikhethekile ekushintsheni komshuwalense wezempilo. Ngeke ukwazi ukubhalisela uhlelo lwe-Obamacare futhi kuze kube yisikhathi sokubhalisa sonyaka ovulekile . Nanka ezinye izinketho zokuhlinzekwa umshuwalense wezempilo okwamanje.
- I-Medicaid. Uhlelo lwe- Medicaid lunemingcele eqondile yokuthola imali kodwa luvumela abhalise unyaka wonke kulabo abafanelekayo.
- Umshwalense wezempilo osekelwe kuJobe (isikhathi sokubhalisa sokuqala). Uma uthola umsebenzi onika umshuwalense wezempilo, uvumelekile ukuba ubhalise ngesikhathi sokubhalisa sokuqala esasungulwa ngokushesha nje uma uqala umsebenzi wakho. Ngokufanayo, uma oshade naye ethola umsebenzi ohlinzeka ngomshuwalense wezempilo womndeni noma umndeni, uzoba nethuba lokubhalisela ukukhokhelwa ngaphansi komshwalense wakhe wempilo esekelwe emsebenzini ngemuva nje kokuqala komsebenzi. Uma ungaphansi kweminyaka engu-25 futhi omunye wabazali bakho uqala umsebenzi omusha onika izinzuzo zomshuwalense wempilo yomndeni, uzokwazi ukuthola ukukhokhela kuze kube yilapho ungena ku-26 ngaphansi kohlelo olusha olusekelwe emsebenzini lomzali wakho.
- Ukukhishwa okusekelwe kuJobe (isikhathi sokubhalisa esikhethekile). Uma unesimo somndeni noma esinye isenzakalo esifanelekayo, ungase uvumeleke isikhathi sokubhalisa esikhethekile ngecebo lakho lomshuwalense wezempilo elisemsebenzini noma lomlingani wakho noma ngabe uphendule lowo mshwalense wezempilo esikhathini esidlule. Kodwa-ke, ukulahlekelwa yomshuwalense wakho we-Obamacare ngoba awuzange ukhokhe i-premium ngeke ikufanele isikhathi sokubhalisa esikhethekile. Izinto ezinjengokushada noma ukuhlukaniswa, ukuba nomntwana, noma ukwamukela ingane cishe kuzokufanelekela. Buza ehhovisi lakho lezinzuzo zomsebenzi ukuthola uhlu oluphelele lwazo zonke izenzakalo ezifanelekayo.
- Medicare . Uma usu-65, u- Medicare angase akhulule. Uma wena, oshade naye, noma oshade naye oye wakhokha ohlelweni lweMedare nge-payroll noma intela yokuqasha emsebenzini iminyaka eyanele ukuze ufaneleke, uzobe ufaneleka kuM Medicare uma uneminyaka engu-65 ubudala.
- Umshuwalense wezempilo wesikhashana. Noma ubani angathenga umshuwalense wezempilo wesikhathi esifushane ngqo kusuka enkampanini yomshuwalense wezempilo noma ngokusebenzisa i-agent yomshuwalense. Asikho isikhathi sokubhalisa esivulekile; ungathenga nganoma yisiphi isikhathi. Kodwa-ke, umshuwalense wezempilo wesikhashana ngeke kukusize ugweme isijeziso sokungaqinisekisiwe. Futhi, abaqinisekisi bempilo yesikhathi esifushane bayavunyelwa ukusebenzisa ukubhala phansi futhi bangathatha izimo ezikhona ngaphambili, iminyaka yakho, amaphuzu akho esikweletu kanye nezinye izinto ekucatshangweni uma ubeka amanani abo okukhokhwa yi-premium. Yini Okumele Uyiqaphele Ngomshwalense Wezempilo Wesikhashana.
- Ukubhalisa okhethekile ekushintsheni komshuwalense wezempilo . Ngenkathi ulahlekelwa uhlelo lwakho lwe-Obamacare ngoba awuzange ukhokhe amaphrimiyamu akho ngeke kubangele isikhathi sokubhalisa esikhethekile ekushintsheni komshuwalense wezempilo, ezinye izinguquko zokuphila kungenzeka. Uma usuguqule impilo ebalulekile njengokushintsha kwesayizi lomndeni, ukuhamba, noma ushintsho oluphawulekayo ezingeni lakho lokuthola imali, hlola ngomshuwalense wakho wezempilo ukuze ubone ukuthi ufanelekile yini isikhathi sokubhalisa esikhethekile. Izinkathi zokubhalisa ezikhethekile zilinganiselwe isikhathi, ngakho ungalindi.
- Isikhathi sokubhalisa sonyaka ovulekile . Ukwindla ngayinye , ukunakekelwa okunganakekelwa kwemithetho yomshuwalense wezempilo yesikhashana kunesikhathi sokubhalisa esivulekile. Awukwazi ukuguqulwa ngoba uhlulekile ukukhokha amaphrimiyamu akho yomshuwalense wezempilo esikhathini esidlule. Ngeke udingeke ubuyisele ama-premium owawukhokha emuva, noma ngabe ubhalisa ngehlelo elifanayo lempilo futhi.