Pali zosankha zabwino kwambiri zokhudzana ndi inshuwalansi ya umoyo kusiyana ndi kupita
Ngati mukupita ku koleji, mukufunikira inshuwalansi yathanzi. Kupita ku koleji ndi chimodzi mwa zinthu zofunika kwambiri zomwe mungachite kuti muteteze tsogolo lanu lachuma. Koma chimachitika ndi chiyani ngati mukudwala kapena mukuvulala mukakhala?
Musagwiritsidwe ntchito mwachinyengo ndi achinyamata omwe muli achichepere komanso kukhala ndi thanzi labwino. Ngozi zowopsa ndi matenda odzidzidzi akhoza kuchitika kwa aliyense pa nthawi iliyonse, ndipo ngongole zazikulu za zamankhwala zingawonongeke malingaliro anu onse omwe mwasamala mosamala.
Choncho ndikofunikira kutsimikizira kuti muli ndi inshuwalansi ya umoyo.
Nazi njira zina:
Khalani inshuwalansi ya thanzi la makolo anu
Ngati makolo anu amakunyamulira pa inshuwalansi yawo, khalanibe komweko malinga ndi momwe mungathere.
Pogwiritsa ntchito chitetezo cha odwala komanso mtengo wothandizira ntchito , kuyambira mu September 2010, ana anu ovomerezeka ayenera kuloledwa kukhalabe ndi thanzi lanu kufikira zaka makumi awiri ndi ziwiri (26) pokhapokha ngati wamkulu wanu akuyenera kulandira chithandizo cha thanzi.
Chenjerani ndi mfundo, ngakhale. Ngati kulumikizidwa kwa makolo anu ndi bungwe lokonza thanzi (HMO), kufotokozera kwathunthu kungapezeke kokha kumene akukhala. Ma HMO ena ali ndi makonzedwe amodzi omwe amaloleza kufotokozera kwathunthu kumadera omwe alibe malo awo, komabe, ndizo zomwe muyenera kufufuza musanasankhe chisankho ichi.
Mavuto ofanana angabwere ndi inshuwalansi ya makolo yomwe imachokera ku bungwe lopatsidwa mwayi (PPO).
Izi zimakufunsani kuti mupeze chithandizo kuchokera kuchipatala mkati mwa makonzedwe okonzedweratu kuti mupeze ndalama zabwino, ndipo simungapeze imodzi ngati sukulu yanu ili kutali ndi kwawo. Mungafunike kupita kunyumba kuti mukalandire mapepala ochepa kwambiri komanso ndalama zothandizira .
Ngati vuto lachipatala lidakalipo, dongosolo la thanzi la kholo lanu liyenera kuyang'anira ntchito kuchokera kwa aliyense yemwe amapereka chithandizo (monga chipinda chodzidzimutsa) chomwe chimapereka chithandizo mwamsanga.
Osatalika Kugwira Ntchito Kapena Kuphimbidwa Ndi Makolo Anu, Fufuzani COBRA
Ngati mwangosiya ntchito yomwe yakupatsani inshuwalansi ya gulu, lamulo la COBRA limakulolani kuti mukhalebe pa ndondomekoyi kwa miyezi 18 pokhapokha mutalipira malipiro athunthu. Lamulo lokhudza zaumoyo silikupanga kusintha kwa COBRA.
Ngati muli ndi zaka zoposa 26 ndipo mukupitirizabe kupita ku koleji, mukhoza kutaya chithandizo chokonzekera zaumoyo chimene makolo anu akupereka. Komabe, mungakhale oyenerera COBRA kupitiriza kufalitsa kwa nthawi ndithu. Makolo anu, omwe adanyamula inshuwalansi kwa inu, adzafunika kuyendera ndi wothandizira inshuwalansi kapena ogwira ntchito kuntchito kuti muwone kuti ndinu woyenera.
Onani ngati Sukulu Yanu Imapereka Inshuwalansi ya Umoyo
Mapunivesite ambiri ndi mayunivesites amapereka mapulani othandizira azaumoyo kwa ophunzira awo kudzera mu mgwirizano ndi makampani omwe ali ndi inshuwalansi. Fufuzani ndi ofesi yanu yovomerezeka kuti muwone ngati sukulu yanu ikuchita, ndipo ngati ndi choncho, mungapeze chithandizo chotani.
Maphunziro ena a mayunivesite angapangitse kuti mukhale ndi chithandizo chokwanira chaumoyo monga momwe mukulembera.
Sukulu yanu ingapereke mitundu yambiri ya ndondomeko za umoyo wa ophunzira kuchokera pa ndondomeko ya ngozi yosavuta kwa yomwe imakhudza zosowa zazikulu zachipatala.
Ndibwino kuti mugule ndondomeko ya zachipatala yomwe ingadzayendere maulendo obwera kwa aphunzitsi, akatswiri, njira zamankhwala zofunikira komanso zoyezetsa magazi.
Gulani Inshuwalansi Yanu
Ngati sukulu yanu isapereke ndondomeko ya zaumoyo wotsika mtengo, mungafune kuganizira kugula inshuwalansi ya umoyo wanu kudzera mwa inshuwalansi kapena wothandizira.
Ndondomeko zaumwini zingakhale zodula, ndipo ndondomeko yaumoyo idzayesa thanzi lanu musanapange chisankho chokupatsani chithandizo. Ngati muli ndi chikhalidwe chachipatala chomwe chilipo kale , ndondomeko yaumoyo ikhoza kukana kukuphimba kapena kuika nthawi yopezekapo nthawi yowonongeka .
Komabe, zogwira ntchito pa January 1, 2014, mapulani azaumoyo sadzalola kuloledwa kukhala ndi chizolowezi choyembekezera kapena kukana inshuwalansi kwa aliyense amene ali ndi vutoli. Komanso, kuyambira mu 2014, mudzatha kugula chithandizo cha umoyo pa inshuwalansi ya umoyo wanu m'chigawo kapena dera lanu.
Inshuwalansi ya Umoyo Kupyolera mu Chithandizo
Ngati ndalama za banja lanu zili zochepa, banja lanu liri ndi ngongole zachipatala, kapena muli ndi kulemala, mukhoza kulandira Medicaid . Kuti mudziwe ngati ndinu woyenerera, yang'anani ndi dipatimenti ya inshuwalansi ya boma lanu.
Lamulo lokonza zaumoyo lidzakuthandizanso kukulitsa Medicaid kuti aphatikize anthu onse a ku America omwe ali ndi zaka makumi asanu ndi awiri ndi makumi asanu ndi awiri ndi zisanu ndi ziwiri (65) omwe amapeza ndalama zoposa 133% za federal poverty level, kuphatikizapo akuluakulu opanda ana omwe amadalira.
Funsani Thandizo Labwino Kudzera mu Dipatimenti Yanu ya Inshuwalansi ya Umoyo
Mayiko ambiri ali ndi mapulani apadera a zaumoyo kwa anthu omwe sali oyenerera ku Medicaid, sangathe kupeza inshuwalansi ya umoyo, kapena amakanidwa kulandira chithandizo kuchokera ku kampani ya inshuwalansi yapadera. Zotsatirazi ndi mndandanda wa mayiko omwe ali ndi inshuwalansi yowopsa kwambiri:
- Mayiko omwe ali ndi Masoka Oopsa
Pezani Chithandizo Chamankhwala Chomudzi
Ngati panopa mulibe inshuwaransi koma mukusowa chithandizo, yesetsani kuyang'ana fakitale yoyenerera dera lanu (FQHC) pafupi ndi koleji yanu. Malo ogwira ntchito zaumoyo amapezeka m'midzi yambiri komanso m'madera ambiri akumidzi. Malo ogwiritsira ntchito zaumoyowa amapereka chisamaliro kwa anthu omwe alibe inshuwalansi ya umoyo ndipo amakhala ndi mamba wotsalira pogwiritsa ntchito ndalama.
Malo ogwira ntchito zaumoyo ammudzi amapereka chithandizo, chithandizo cha matenda, chisamaliro chakumayi, katemera ndi kusamalira ana anu, komanso mankhwala okhudza matenda ndi matenda osokoneza bongo. Malo ambiri azaumoyo ali ndi zipatala zamakono ndi apamadzi m'mabwalo awo.