Masiku Olembetsa Okhoza Kutha Kutha
Kulembetsa koyamba ndi nthawi nthawi iliyonse pamene mungathe kulemba inshuwalansi ya umoyo. Ngati simukulembera inshuwalansi ya umoyo pa nthawi yolembera, simungathe kulemba inshuwalansi ya umoyo mpaka nthawi yotsatira yolembera, pokhapokha mutakhala ndi zofunikira.
Ngati muli oyeneredwa ndi kugwiritsa ntchito inshuwalansi ya umoyo pa nthawi yolembera, dongosolo la thanzi liyenera kukuthandizani.
Kampaniyo siyiloledwa kugwiritsira ntchito kulembera kapena kufuna umboni wosatsutsika, zonse zomwe zingakulepheretseni kuti mupeze inshuwalansi ya thanzi.
Kodi ndi inshuwalansi iti ya inshuwalansi yomwe imagwiritsa ntchito nthawi yolembera?
Kutsegula nthawi yolembetsa ndi wamba komanso m'malo:
- Medicare
- Inshuwalansi yathanzi
- Msika waumwini inshuwalansi yaumphawi, chifukwa cha Affordable Care Act (mawindo olembetsa amagwiritsa ntchito pa inshuwalansi ya umoyo ndi kunja kwa kusinthanitsa)
Kodi Kulembetsa Kuli Liti?
Nthawi ya chaka cholembera kuti mutsegule kumadalira dongosolo la chisamaliro limene mumasankha:
- Medicare olembetsa mwachindunji amatha kuyambira October 15 mpaka December 7 chaka chilichonse. Dziwani kuti izi sizikugwiritsidwa ntchito pa mapulani a Medigap, omwe alibe nthawi yolembera chaka chilichonse. Mapulani a Medigap amapezeka pokhapokha popanda kulembedwa kwachipatala nthawi yanu yoyamba yolembetsa, kapena nthawi yochepa yolembera yomwe ikugwiritsidwa ntchito pazinthu zomwezo.
- Olemba inshuwalansi a zaumoyo opatsirana otsegulidwa akugwiritsidwa ntchito ndi abwana anu ndipo akhoza kuchitika nthawi iliyonse ya chaka. Komabe, kawirikawiri imakhala yophukira kotero kuyambika kwatsopano kumayamba pa January 1 chaka chotsatira.
- Kutsegula mauthenga pa msika wina aliyense (payekha ndi kusinthanitsa nawo) kwakhala kwakukulu pazaka zingapo zapitazo. Kuyambira pa 2018 kufotokozera, ndondomeko yolembetsa yamasamba yakhazikika pa November 1 mpaka December 15, ndi mapulani onse ogwira ntchito pa January 1 a chaka chomwe chikubweracho. Kulembetsa kotseguka kwa chigawo cha 2018 kunayamba pa November 1, 2017 ndipo kutha kwa December 15, 2017 (ndi zowonjezera mu mayiko khumi omwe amagwiritsa ntchito kusinthanitsa kwawo ). Iyi ndi nthawi yofanana yomwe idzagwiritsidwe ntchito m'zaka zamtsogolo. Kutsegulidwa kwa 2018 kunatchulidwa nthawi yoyamba yomwe kulembetsa kulembedwa kumayambiriro kwa chaka chatsopano, ndikukonza chisankho sichidzapangidwe chaka chitangoyamba (pasanafike chaka cha 2014, kulembetsa kunkapezeka chaka chonse pamsika, koma m'mabungwe ambiri a inshuwalansi Kuvomerezeka kovomerezeka pogwiritsa ntchito mbiri yachipatala ya olemba, zomwe zikutanthauza kuti anthu omwe ali ndi nthawi zomwe zakhalapo kale zikanatsutsidwa, zomwe sizichitika, chifukwa cha ACA). Phunzirani zambiri za kulembetsa mauthenga pamsika .
Kulembetsa Kwapadera Ndizochita Zopanda Kulembetsa
Ndondomeko za inshuwalansi zomwe zimagwiritsa ntchito njira yolembera yotseguka zimakulolani kuti mulembetse kunja kwa olembera polemba zambiri, zomwe nthawi zambiri zimatchedwa zochitika za moyo. Podziwika ngati nthawi yolembetsa yapadera , izi zimakupatsani inu kulemba inshuwalansi ya umoyo ngati mutataya inshuwalansi yanu ya umoyo chifukwa inu:
- anataya ntchito
- yasuntha
- adasudzulana kapena akwatiwa
- anakhala wamasiye kapena wamasiye
- okalamba pa dongosolo la kholo
- lolani inshuwalansi ya COBRA itatha
- khalani ndi mwana watsopano
Simudzakhala oyenerera nthawi yolembetsa ngati mutataya inshuwalansi yanu yaumphawi chifukwa simunalipire malipiro a mwezi uliwonse, kapena ngati mwadzipereka mwasankha kufalitsa kwanu.
Dziwani kuti ngakhale zochitika zoyenerera komanso nthawi yolembera payekha msika zimakhala zofanana ndi zomwe zakhala zikupezekapo kwazinthu zothandizidwa ndi abwana, sizili zofanana. Pano pali ndondomeko yomwe imakhudza nthawi yeniyeni yolembera pa msika wina aliyense, payekha ndi kusinthanitsa.
Mitundu ya Inshuwalansi Yotani Musagwiritse Ntchito Kulembetsa Otsegula?
Ambiri ogulitsa inshuwalansi ku United States amagwiritsa ntchito njira yolembera yolepheretsa kulemba zizindikiro pa nthawi inayake pachaka.
Nazi zina zosiyana:
- Medicaid , inshuwalansi ya umoyo wa boma, siimalembetsa anthu olembetsa ku nthawi yolembera. Ngati muli woyenerera ku Medicaid, mukhoza kulemba nthawi iliyonse.
- CHIP , boma la US la Child's Health Insurance Program, silimalembetsa olembetsa kwa nthawi inayake, mwina.
- Inshuwalansi yoyendayenda siimayang'aniridwa ndi malamulo olembetsa, mwina. Chifukwa cha kachitidwe ka inshuwalansi kaulendo kawirikawiri, nthawi zambiri sangalembedwe. Komabe, makampani ena a inshuwalansi akuyenda bwino amakulepheretsani kugula inshuwalansi yaulendo kwa nthawi yomwe mutangothamanga ulendo wanu.
- Inshuwalansi ya nthawi yayitali sagwiritsa ntchito nthawi yolembera. Monga inshuwalansi yaulendo, inshuwalansi yanthaŵi yaying'ono siiliyendetsedwa ndi ACA, ndipo ndondomeko imapezeka chaka chonse m'malamulo omwe amavomereza. Lamulo latsopano mu 2017 laling'ono laling'ono lingawonongeke kuposa miyezi itatu muyeso, koma lamuloli liyenera kuyambiranso pansi pa malamulo atsopano omwe akuyang'aniridwa ndi boma la federal (malamulo apitalo adalola kuti pakhale ndondomeko zanthawi yayitali kuti mpaka masiku 364; malangizowa akhoza kubwezeretsedwa, kapena pangakhale lamulo latsopano pokhapokha, koma malire amwezi atatu atsala pang'ono kutha).
- Nthaŵi zina, mankhwala othandizira inshuwalansi . Mapulani othandizira inshuwalansi omwe amagulitsidwa kwa anthu omwe alipo amapezeka chaka chonse. Koma ngati abwana anu amapereka inshuwalansi yowonjezereka, mwayi wanu wolembetsa ukhoza kukhala wolembera nthawi zonse.
Mwayi Wowonjezereka Wolembetsa
Olemba ntchito ambiri amakulolani kuti mulembe kapena kusintha ntchito zina zokhudzana ndi ntchito panthawi yolembetsa, komanso. Kawirikawiri, mumaloledwa kusintha izi panthawi yolembera. Mwachitsanzo, mungathe:
- kukhazikitsa akaunti yogwiritsira ntchito ndalama kapena akaunti ya ndalama zachuma
- lembani inshuwalansi, inshuwalansi ya moyo, inshuwalansi yolemala, inshuwalansi ya masomphenya, inshuwalansi ya mano, inshuwalansi yalamulo, ndalama zothandizira inshuwalansi , ndi zina zotero.
Komanso: Kulembetsa chaka ndi chaka, kulembetsa anthu pachaka
> Zotsatira:
> Dipatimenti ya Zaumoyo ndi Zopereka zaumunthu, Zindikirani Zomwe Zidzakuthandizani Phindu ndi Malipiro Otsatira a 2018 . December 17, 2016.
> Utumiki Wathu Wam'kati, Mapindu Osapatsidwa; Zochitika za moyo ndi Chakale; ndi nthawi yayitali, yaying'ono inshuwalansi . 2016
> Norris, Louise. kanjimachi.biz. Mtsogoleli wa Nthawi Zowonjezera Zapadera pa Msika Wokha. February 2017.
> Office of Information and Regulatory Affairs, Office of Management ndi Budget. > Nthawi yayitali > Nthawi yayitali Imodzi (inshuwalansi) (CMS-9924-P). Kukambirana kunatsiriza 2/7/2018.