Pano pali zomwe muyenera kudziwa ngati dongosolo la abambo anu likutha
Pomwe bungwe la Care Care linasindikizidwa kuti likhale lamulo mu 2010, lidafuna kupititsa patsogolo malamulo apadera a inshuwalansi ya thanzi laling'ono ndi laling'ono, ndipo zambiri za kusintha kwachitika mu 2014. Koma lamuloli linaphatikizapo njira yosungira munthu aliyense Mapulani a magulu ang'onoang'ono omwe kale anali ogwira ntchito kuyambira pa March 23, 2010, pamene ACA inakhazikitsidwa.
Ndondomeko izi zabadwira (zomwe sizili zofanana ndi agogo aakazi) ndipo amaloledwa kuti akhalepo kosatha, malinga ngati zolingazo sizikhala zosasintha ndipo sizithandiza kuchepetsa phindu kapena kuonjezera mtengo (cholembedwa kuti izi zikutanthauza mtengo wapamwamba kwa ntchito zothandizira zaumoyo; ndalama zowonjezera zokha sizidzapangitsa ndondomeko yaumoyo kutaya udindo wobadwirapo).
Kufotokozera, ndondomeko ya kagulu kakang'ono kamene abambo anali atakhazikitsa kuyambira pa March 23, 2010 - antchito atsopano angathe kuwonjezeredwa kuzinthu zomwe zidakalipo kale, koma olemba ntchito sanathe kugula zolinga zambiri kuyambira pamene ACA inalowetsedwa malamulo.
Ndondomeko ya munthu wamkulu yomwe idagulidwa kale ndi munthu aliyense payekha pa March 23, 2010 - palibe amene adatha kugula ndondomeko ya munthu aliyense kuyambira pa March 23, 2010, ngakhale kuti wodalira atsopano akhozabe kuwonjezeredwa ndi mapulani (ngati muli ndi ndondomeko yokhala ndi ana anu ndipo muli ndi mwana, mukhoza kuwonjezera mwanayo ku dongosolo lanu).
Ngati ndondomeko yanu ya thanzi yabadwira, muli ndi mwayi wosunga nthawi zonse. Koma kokha ngati bwana wanu inshuwalansi wothandizira akupitiriza kupereka. Palibe thandizo mu ACA lomwe limafuna kuti othandizira azaumoyo apitirize kupereka ndondomeko inayake, kapena kupitiriza kupereka chithandizo chilichonse, pa nkhaniyi.
Bwanji bwenzi la inshuwalansi litatha mapulani?
Pa msika uliwonse pamaso pa 2014, inshuwalansi ya umoyo ndi mankhwala olembedwa m'zinthu zonse koma zisanu . Choncho anthu omwe anabadwira paokha m'mayiko ambiri ndi anthu omwe ali ndi thanzi labwino pamene malonda awo anagulidwa. Koma nthawi ikadutsa, kulembedwa kwachipatala "kumatha," popeza kuti umoyo umayamba kukula pakati pa anthu omwe kale anali athanzi.
Ndipo popeza palibe amene adatha kugula mapulani a abambo kuyambira 2010, zida zapangidwe zazomwezi zakhala zikucheperachepera m'zaka zisanu ndi chimodzi zapitazo. Anthu akhoza kugwetsa zolinga zawo ndikusintha kuzinthu zina, koma palibe amene angagwirizane ndi ndondomekoyi pokhapokha mamembala omwe alipo atapeza anthu watsopano.
Malinga ndi dongosolo la thanzi labwino lomwe limakhala ndi moyo wambiri, amalimbikitsa anthu ocheperapo, ndalama zawo zowonjezera. Kwa mabungwe ena a inshuwalansi, malingaliro a abambo ambiri sapindula kapena salinso abwino ndi chitsanzo chawo chonse cha bizinesi. Zikatero, kampani ya inshuwalansi ikhoza kuthetsa kuthetsa mapulani.
Mapeto a Humana anabadwira m'mayiko 11
Humana amapereka inshuwalansi yaumwini m'mayiko 22. Wonyamula katundu adalengeza mu December kuti adzalanditsa mapulani awo azaumoyo m'mayiko 11 mu 2016: Alabama, Arizona, Colorado, Florida, Georgia, Mississippi, Ohio, Oklahoma, South Carolina, Tennessee ndi Wisconsin mfundo iyi).
Ndondomekoyi idzayamba pa Marichi 1, ndipo idzakhala yogwira ntchito monga ndondomeko yatsopano yatsopano - kotero ngati ndondomeko yanu ya Humana inakhazikitsidwa pa August 1, mukhoza kusunga ndondomeko yanu kumapeto kwa July.
Ndondomeko ya abambo anga ikutha ... Ndiyenera kuchita chiyani?
Pofuna kuthetsa mapulani a thanzi labwino, wogwira ntchitoyo ayenera kudziwitsa olemba insureds osachepera 90 kuti asanathe nthawi yotsiriza - kotero padzakhala nthawi yokonzekera. Ndipo wothandizira wanu akuyeneranso kukudziwitsani kuti muli ndi zosankha posintha ndondomeko yanu. Wothandizira wanu angakupatseni kuti mutembenuzire ku chimodzi mwa mapulani ake ovomerezeka a ACA, koma mutha kugulitsanso mwazinthu zonse zomwe zimaperekedwa ndi aliyense wothandizira inshuwalansi m'deralo.
Ngati ndondomeko ya abambo anu ikutha, ndikofunika kumvetsetsa momwe nthawi zolembera za ACA zimagwirira ntchito. Kutaya kufotokozera ndi chiyeneretso chomwe chimayambitsa nthawi yapadera yolembetsa .
Nthawi yanu yolembera yapadera idzayamba masiku 60 isanafike tsiku limene dongosolo lanu lidzatha, ndipo lidzapitirira masiku 60 pambuyo pake. Ndipo nthawi yolembera yapadera imagwirira ntchito pokhapokha ndikusiya kusinthanitsa.
Mwachitsanzo, ngati cholinga chanu chidzatha pa July 31, mudzapeza zokhudzana ndi kutha kwa May, ndipo nthawi yanu yolembera yapadera idzayambira kuyambira June mpaka September. Ngati mulembetsa ndondomeko yatsopano m'masiku 60 asanayambe kufotokozedwa, ndondomeko yanu yatsopano idzagwiritsidwa ntchito mwezi woyamba potsatira dongosolo lanu lakale. Kotero ngati ndondomeko yanu ikutha pa July 31, mukhoza kulembetsa dongosolo latsopano mu June kapena Julayi - kumapeto kwa July 31 - ndipo ndondomeko yanu yatsopano idzagwira ntchito pa August 1, popanda phokoso lokhazikika.
Ngati mulembetsa mapulani atsopano masiku 60 mutatha kukonza mapulani anu, mudzakhala ndi kusiyana kwa mwezi umodzi, popeza mulibe mwayi wopereka ndondomeko yotsatila muzochitikazo (mwachitsanzo, ngati mutalembetsa July 1, ndondomeko yanu yatsopano siidzatha mpaka August 1).
ACA imaphatikizapo chilango cha msonkho chifukwa chosatsitsimikiziridwa, koma palibe chilango chachabechabe chimodzimodzi pakufotokozera chaka chonse, malinga ngati sichikhala miyezi itatu. Kotero ngati simukulimbikitsidwa kwa miyezi umodzi kapena iwiri pamene mukudikira dongosolo lanu latsopano, simungadzalangidwe ndi IRS, mukuganiza kuti muli ndi chithandizo chaka chonse. Koma inu simungakhale ndi inshuwaransi ya thanzi panthawi imeneyo, ndipo mudzayenera kulipira ngongole zanu zamankhwala ngati pangakhale vuto linalake.
Kodi ndondomeko yatsopano idzasiyana bwanji ndi ndondomeko ya abambo anga?
Agogo aamuna akukonzekera kuti azitsatira mbali zingapo za ACA, kotero dongosolo lanu latsopano lidzatetezedwa kwambiri ndi ogula. Ndipo ngati mukuyenera kulandira thandizo la premium, zingakhale zosakwera mtengo. Koma, ngati simukuyenera kulandira thandizo la premium, ndondomeko yanu yatsopano ikhoza kukhala yotsika mtengo kuposa dongosolo la abambo anu.
Ndondomeko zaumoyo zokhudzana ndi thanzi lirilonse silingathe kukhala ndi nthawi yopindulitsa ya moyo wosatha (ngakhale iwo angakhalebe ndi ndalama zopindula pachaka). Ayeneranso kulola ana achikulire kuti akhalebe pa dongosolo la thanzi la makolo mpaka zaka 26, ndipo ayenera kugwiritsa ntchito ndalama zokwana 80% pa chithandizo chamankhwala.
Koma ndondomeko zambiri za abambo siziyenera kubisa zofunikira zaumoyo zoyenera za ACA, ndipo siziyenera kubisa zinthu zomwe zakhalapo kale. Kotero ngati ndondomeko yanu isanakhalepo kale kapena ikukupatsani mwayi wapamwamba chifukwa cha mbiri yanu yachipatala mukagula ndondomekoyi, mbali zina za dongosololi sizinasinthe chifukwa cha ACA.
Ngati mukusintha njira yatsopano - mwina pogwiritsa ntchito kusinthanitsa kapena kusinthanitsa - mudzapeza kuti chiwongoladzanja chatsopano chimakhala ndi mapindu ambiri, kuphatikizapo zinthu monga kusamalira amayi, mankhwala osamalidwa, ndi chisamaliro cha thanzi. Ndipo kufotokozera kudzatsimikiziridwa mosasamala kanthu za mbiri yanu yachipatala.
Ndondomeko zazikuluzikulu sizinayenera kulandira ndalama zothandizira ndalama za ACA (zothandizira), kotero insureds amalipira mtengo wawo wonse polemba mapulani awo. Ngati ndondomeko ya abambo ikumalizira, mukhoza kupeza kuti mukuyenera kulandira thandizo la premium ngati ndalama zanu zapakhomo sizinaposa umphawi, zomwe panopa zili $ 47,080 kwa munthu mmodzi, ndi $ 97,000 kwa banja la anayi ( mitu ya umphawi ya 2015 idzapitilizidwa kugwiritsidwa ntchito pothandizira ndalama mpaka chaka cha 2017 chitalembedwe kumapeto kwa chaka cha 2016, ngakhale kuti kulandira thandizo la Medicaid / CHIP tsopano likutsatira ndondomeko za msinkhu wa umphawi wa 2016).
Kodi ndingapeze kuti ndondomeko yanga yotsatila?
Pa nthawi yanu yolembera, mungathe kugula ndikusinthanitsa, kapena mukhoza kupita ku chithandizo cha inshuwalansi ya umoyo ndikugula ndondomeko. Koma ngati mukuyenera kulandira thandizo la premium - kapena ngati mutha kupeza ndalama zowonjezera pakapita chaka ndikukupatsani mwayi pa nthawiyi - onetsetsani kuti mumagula gawo lanu m'malo mwachitsulo. Zothandizira zapadera sizipezeka kunja kwa kusinthanitsa, ndipo simungadzinenenso pambuyo pa msonkho wanu wa msonkho ngati mutagula ndondomeko yanu yathanzi kunja kwa kusinthanitsa.
Ngati ndondomeko yanu ikuluikulu ikutha ndipo simukudziwa bwino njira yabwino yothetsera vutoli, funani thandizo. Mabwato ndi oyendetsa maulendo ali m'madera onse, ndipo mtengo wa mapulani anu udzakhala wofanana mosasamala kanthu kuti muli ndi thandizo ndi chisankho chokonzekera ndi kulembetsa.