Iziguli Zingase Zithole Izindlela Eziningi Zokuthola Umshwalense Wezempilo Kunalokho Abacabangayo
Ungaqiniseka kanjani ukuthi ukwelashwa engikudingayo kuhlanganiswe umshwalense wami wezempilo ? Yazi inqubomgomo yakho yomshuwalense, ziqonde izinketho zakho bese ukhuluma nodokotela wakho.
"Abantu benza ukucabanga ukuthi udokotela uyayilawula yini, kuzobekwa," kusho uJP Wieske weMkhandlu we-Affordable Insurance, iqembu lemboni yomshuwalense.
Odokotela babheka isimo sakho ngokusebenzisa umbono wezokwelapha, noma kunjalo, hhayi embonweni womshuwalense.
Njengoba bebona iziguli ezinezihlinzeko ezihlukahlukene zomshuwalense, ngokuvamile aziqapheli ukuhlinzekwa okuhlinzekwe inkampani ethile noma uhlelo njengoba iziguli zikhona-noma kufanele zibe.
Izinqubomgomo zomshuwalense zenzelwe abantu abanzi, izinto ezihlanganiswe kakhulu zisekelwe ezinkambisweni ezijwayelekile zezokwelapha zesiguli esiphezulu. Nokho, iziguli zinezinye izindlela eziningi - nempumelelo eminingi - ekuxoxiseni izindleko zezempilo kanye nezinzuzo kunokuba abaningi bazibonele.
Umthelela we-Care Affordable's Effect on the Cover
Umthetho Wokunakekelwa Okunakekelwayo, owenziwe ngo-2010 (kodwa ikakhulukazi owenziwa ngonyaka ka-2014) wenza izinguquko ezishintshayo emithethweni eqondene nokuhlinzekwa komshuwalense wezempilo, ikakhulukazi ezimakethe zeqembu ngalinye namancane.
Ngaphansi kwemithetho emisha, izinhlelo zezempilo azikwazi ukukhipha izimo ezikhona ngaphambili noma zisebenzise isikhathi sokulinda esimweni esivele sikhona (inothi le mithetho ayisebenzi emikhakheni yemakethe ezukulukazi noma enkulukazi) uhlobo oluthengayo ngokwakho, ngokungafani nokuthola kusuka umqashi - kodwa akekho oye wakwazi ukubhalisa ohlelweni lomakethe oluthile oluthile kusukela ngo-Mashi 2010, noma kuhlelo olulodwa lomakethe olukhulu kusukela ekupheleni kuka-2013).
Ngakho-ke uma ubhalisa ohlelweni lomqashi wakho noma uthengisa uhlelo olusha emakethe ngayinye, awusadingeki ukhathazeke ngokuthi uzoba nenkathi yokulinda noma ukukhipha isimo sakho esandulele.
Ngaphezu kwalokho, wonke amapulani angekho amakhulu kumele afake uhlu olunzulu ( kodwa oluqondile ) lokunakekelwa kokuvikela ngaphandle kokukwabelana ngezindleko (okungukuthi, akudingeki ukhokhe noma yini enye ngaphandle kwama-premium akho), nabo bonke abangewona abakhulu, amacebo omuntu ngamunye kanye nezinhlelo ezincane kumele ahlanganise nezinzuzo zezempilo ze - ACA ezingenamkhawulo weDola.
Wonke amapulani - kufaka phakathi izinhlelo eziningi - avinjelwe ekusebenziseni ama-maximums okuzuzwayo okuphila ngaso sonke isikhathi ngezinzuzo ezibalulekile zezempilo. Amacebo amakhulu amaqembu akudingeki abheke izinzuzo ezibalulekile zezempilo, futhi azinamapulani amaningi noma amaqembu amancane noma amancane. Kodwa ngokulinganisa ukuthi zibandakanya izinzuzo ezibalulekile zezempilo, azikwazi ukunquma ukufaka kwakho endaweni ethile ngenxa yomkhawulo wesikhathi esizayo wokuhlomula (izinhlelo eziningi ezikwazi ukuhlala zikhona zingakwazi ukuthola izinzuzo zaminyaka yonke zokuhlomula ezinzuzo zezempilo ezibalulekile).
Zonke lezi zinhlinzeko ziye zasiza ukuqinisekisa ukuthi abantu bathola ukuphika okuncane kunalokho abakwenzile esikhathini esidlule. Kodwa akukho nqubomgomo ehlanganisa konke. Abashuwalense basenqaba izicelo zangaphambili zokugunyazwa nezicelo namanje ziphikisiwe. Ekugcineni, i-onus ikhona kithi ngamunye ukuqinisekisa ukuthi siyaqonda ukuthi yini inqubomgomo yethu ihlanganisa, ukuthi ayikufihli, nokuthi ungakhansela kanjani uma umshwalense engenzi lutho.
Okufanele Ukwenze Ngesikhathi Uma Inqubo Noma Isivivinyo Kungavunyelwe
Buza mayelana neminye yezindlela: Ingabe ukuhlolwa okufanayo noma ukwelashwa okuhambisana nomshuwalense wakho kuzosebenza ngendlela efanayo nje?
Khuluma nehhovisi lakho lodokotela: Uma kuzodingeka ukhokhe ephaketheni ngoba inqubo ayihlanganiswa nomshuwalense wakho, khuluma nehhovisi lakho lokwelapha ukuze ubone ukuthi ungathola isaphulelo.
Ngokuvamile ungcono ukukhuluma nomphathi wehhovisi noma isisebenzi senhlalakahle kunomhlinzeki wezokwelapha. Ukuphumelela kungcono nakakhulu uma ukhuluma nomuntu ngomuntu, kunokuba ucingo, futhi ungathathi impendulo ekuqaleni, ngokusho kwe-National Endowment for Education Education.
Ukudlulisela kumhlinzeki womshuwalense : Cela udokotela wakho amakhodi wezokwelapha izinqubo eziphakanyisiwe, uphinde uphenye inqubo yesikhalazo sakho senkampanhla yomshuwalense. Uma uhlelo lwakho lwezempilo lungenabo abazali (okungukuthi, lwaqala ukusebenza ngemuva kukaMashi 23, 2010), uMthetho Wokunakekelwa Onganakekelwayo udinga ukuba uhambisane nemithetho emisha yenqubo yokubuyekeza kwangaphakathi nangaphandle.
Cwaninga ukuhlolwa kwemitholampilo: Uma ungumuntu ozokhethwa ukuhlolwa kwesivivinyo, abaxhasi bayo bangafaka izindleko zokuhlolwa okuningi, izinqubo, imiyalelo kanye nokuvakashelwa odokotela. Inkampani yakho yomshuwalense ingaphika ukuhlolwa kokuhlolwa komtholampilo ngokwayo, kodwa ayikwazi ukubandlulula ngenxa yokuhlanganyela ekuvivinyweni komtholampilo, futhi kumele iqhubeke nokufaka ukunakekelwa kokujwayelekile kwesikhungo (okungukuthi, ukunakekelwa okungezona kokuhlolwa) ngenkathi ubamba iqhaza emtholampilo ukuhlolwa. Lezi zidingo ziyingxenye yoMthetho Wokunakekelwa Onganakekelwayo. Ngaphambi kuka-2014, ngenkathi i-ACA ishintshe imithetho, ababheki besikhwama sezinkampani eziningi bangaphika konke ukuphawula ngenkathi isiguli sithatha isilingo somtholampilo. Lokho akusekuvunyelwe, ngenxa ye-ACA.
Thola umbono wesibili: Omunye udokotela angase akhombise ukwelashwa okunye, noma angase aqinisekise iseluleko sodokotela wakho oyinhloko. Abahlinzeki abaningi bomshuwalense bakhokhela imibono yesibili kodwa hlola ngeyakho ukuze ubone ukuthi yiziphi izinqubo ezikhethekile okufanele zilandelwe. Udokotela wakho, abangane abangathembeki noma izihlobo, izibhedlela zokufundisa zaseyunivesithi kanye nezinhlangano zezokwelapha zingakunika amagama ochwepheshe bezokwelapha.
Uma konke okunye kungaphumeleli, khombisa uhlelo lokukhokha: Uma ukwelashwa kubalulekile futhi kungahlanganiswa nomshuwalense, cela ihhovisi lakho udokotela ukuthi asebenze nawe ukuze akhokhele isikweletu ngalesi sikhathi.
> Imithombo:
> Amasevisi e-Medicare naseMedicaid Services. Isikhungo Sokwaziswa Komthengi kanye Nokuqapha Umshuwalense. Imibuzo Yokunakekelwa Kwemisebenzi Yokunakekelwa Engenakusiza-Setha 15.
> UMnyango wezeMpilo kanye nezinsizakalo zabasebenzi. Ukubheka Isinqumo sezempilo.
> HealthCare.gov. Amalungelo Omshuwalense Wezempilo kanye nokuvikelwa. Izinhlelo Zempilo Ezinkulu.
> Inkomfa Kazwelonke Yomthetho Wezifundazwe. Izinzuzo zempilo yomshwalense wemishanguzo kanye nemithetho yombuso. Kubuyekezwe u-December 2015.