Izinketho Zomshuwalense Wezempilo Uma Ukuphepha Kwakho Kuphela
Uma ngabe umshuwalense wezempilo wakho uvela emsebenzini womlingani wakho, ungase ulahlekelwe lokho kuhlanganisa lapho ehamba e-Medicare. Akukona nje isikhathi esidlule, lokhu kwakuyizinto ezesabekayo nezindleko, kodwa izinto zishintshile. Manje unezinketho eziningana zomshwalense wezempilo uma ulahlekelwa yomshuwalense wakho wezempilo ngoba oshade naye uthola i-Medicare.
Umshwalense Wempilo Yakho Yomsebenzi
Uma unomsebenzi onika umshwalense wezempilo kodwa ukhethe ukuyeka leyo mshwalense wezempilo, uzokwazi ukuthola isikhathi sokubhalisa esikhethekile emsebenzini wakho.
Lokhu kuzokuvumela ukuba ubhalise kumshwalense wakho wempilo esekelwe emisebenzini nakuba kungabhaliswa okuvulekile kunoma ubani omunye. Izinkathi zokubhalisa ezikhethekile zilinganiselwe isikhathi, ngokuvamile izinsuku ezingu-30-60, ngakho ungalinde isikhathi eside kakhulu. Uma uyiphuthelwa, kuzodingeka ulinde kuze kufike isikhathi sokubhalisa esilandelayo sokubhalisa.
COBRA
Uma uhlelo lwezempilo lomlingani lwakho luhambisana nomthetho we- COBRA , uzofaneleka ukuqhubeka nesimiso sakho samanje sezempilo ezinyangeni ezingu-18 ngokusebenzisa ukuthunyelwa kokuqhubeka kwe-COBRA.
Uma ukhetha ukukhishwa kwe-COBRA, uzokhokha izinkokhelo zenyanga. Lezi zizoba zikhulu kune-premium ejwayele ukuphuma ekhokhweni lomngane wakho womshuwalense wezempilo. Nge-COBRA, umqashi womlingani wakho akasasayikhokhi ingxenye ye-premium yakho yomshuwalense wezempilo inyanga ngayinye. Uzokhokha ingxenye ohlale uyikhokhela kanye nengxenye yomqashi womlingani wakho osetshenziselwa ukukhokha. Uzokhokha imali engamaphesenti amabili ngenyanga ngayinye.
Akuyona nje kuphela i- COBRA uhlobo olubizayo , futhi luyisikhashana. Uma ungafanelekile ku-Medicare ngokwakho ezinyangeni ezingu-18, kuzodingeka ufike ngesinye isicwangciso sokuhlinzeka lapho ukukhishwa kwakho kokuqhubeka kwe-COBRA kuphelelwa yisikhathi.
Thenga Umshwalense Wezempilo Emshwalweni Womshuwalense Wempilo Yombuso wakho
Ngenxa yoMthetho Wokunakekelwa Onganakekelwayo, ungathenga inqubomgomo yomshuwalense wempilo yangasese, eqondene nokushintshaniswa komshuwalense wezempilo .
Uma ukushintshaniswa komshuwalense wakho wezempilo kungenalo ukubhaliswa okuvulekile uma ulahlekelwa ukushada kwakho kokushada, ungakhathazeki. Ukulahlekelwa lokho kukhishwa kuzokukwenza uvumeleke isikhathi sokubhalisa esikhethekile esikhawulwayo ekushintsheni komshuwalense wezempilo.
Uma unemali engenayo encane, ungase ufanelekele umxhaso ukuze usize ukukhokhela izinkokhelo zakho zomshuwalense wenyanga yomshuwalense wezempilo. Uma imali yakho engenayo iphansi, ungase ufanelekele izaphulelo ezixhaswe ngezindleko zokwabelana ngezindleko ezinjengokudonswa kwemali, ama-copays, nokuqinisekiswa kwemali . Faka isicelo sokusizwa nge-exchange njengoba uthenga umshuwalense wezempilo. Funda kabanzi mayelana nezinsizakalo zomshuwalense wezempilo ku:
Thenga Umshwalense WezeMpilo Ngokushesha
Ukushintshaniswa komshwalense wakho wezempilo akuyona indawo kuphela ongayithenga ngayo inqubomgomo yomshuwalense wezempilo. Isibonelo, ungathenga inqubomgomo ngokusebenzisa ukushintshwa komshuwalense wempilo yangasese njengo-eHealthInsurance.com. Ungathenga futhi inqubomgomo yomshuwalense wezempilo ngqo kusuka enkampanini yomshuwalense wezempilo. Kodwa-ke, kwamanye amazwe uthi, ngeke ukwazi ukuthola umshuwalense wezempilo ngaphandle kokuthola uhlelo lokushintshaniswa komshuwalense wezempilo.
Ungasebenzisa i-agent yomshuwalense ozimele ukukwazisa futhi ikusize uthenge umshuwalense wezempilo. Abaningi, kodwa hhayi bonke, ama-inshurensi ama-inshuwalense akwazi ukukusiza ukuthi uthenge uhlelo oluhlelwe ohlwini lokushintshaniswa komshuwalense wezempilo.
Kungakhathaliseki ukuthi uthenga uhlelo ngokuyimfihlo noma ekushintsheni komshuwalense wezempilo wombuso wakho, izinkampani zomshuwalense azisekho ukuvunyelwa ukukukhokhisa ngaphezulu ngoba unesimo se-preexisting noma inkinga yezempilo.
I-Medicaid
Uma imali yakho engenayo iphansi ngokwanele, ungase ufanelekele umshuwalense wezempilo ohlinzekiwe nguhulumeni ngokusebenzisa iMedicaid . Kwamanye amazwe, uhlelo lweMedicaid lubizwa ngegama elifana ne-SoonerCare e-Oklahoma noma Medi-Cal eCalifornia. Kulula ukudidisa i- Medicaid ne-Medicare , kodwa zizinhlelo ezihlukene ezahlukahlukene nezinzuzo ezihlukile zokufaneleka.
Ezimweni eziningi, abantu abahola kancane abafinyelela ku- 138% wezinga lobuphofu basezingeni eliphezulu bafanelekile ukuba babe ne-Medicaid.
Izinga lobuphofu laseSweden lishintsha njalo ngonyaka, kepha ngo-2015, i-FPL yombhangqwana ingu-$ 15,930, ngaphezulu uma uhlala e-Alaska noma eHawaii. Uma uhlala esesimweni esandise imiqulu yaso ye-Medicaid ngokuhambisana noMthetho Wokunakekelwa Onganakekelwayo, cishe uzofaneleka kuMedicaid uma umndeni wakho wezinkampani ezimbili unenzuzo engenayo kuze kube ngu-$ 21,980 ngonyaka.
Uma uhlala esifundeni esakhethe ukunganweba imiqulu yaso yokuxilongwa, imithetho yokufaneleka ye-Medicaid izoba nzima nakakhulu. Ngaphezu kwemikhombandlela eqondile yengeniso, imithetho yokufaneleka ingabandakanya isilinganiso somcebo wakho kanye nempahla yakho yonke. Ukufaneleka kungenziwa kuphela kumalungu amaqembu afanelekayo njengabakhubazekile, abakhulelwe, abayizimpumputhe, abazali bezingane ezincane, noma asebekhulile.
Ungafaka isicelo se-Medicaid ngokuqondile ngohlelo lwakho lwe-Medicaid lombuso. Ukushintshwa komshuwalense wezempilo wakho wombuso kunganquma nokuthi ufanelekile yini ku-Medicaid. Funda mayelana ne-Medicaid futhi ubani ofanelekile kumbuso wakho.