ACA Imapangitsa Malo Othandizira Kukhala Othandizira Oposa Omwe Anakhalapo
Ngati mwatayika kapena ngati kampani yanu ikutseka, mukhoza kudandaula za kutayika phindu lanu la abwana, makamaka inshuwalansi ya thanzi. Kusakhala ndi inshuwalansi ya umoyo kungakhale kochititsa mantha, makamaka ngati bwana wanu akukonzekera bwino chithandizo chomwe chimapereka chithandizo kwa banja lanu. Komanso, mungadere nkhawa kwambiri ngati inu kapena wachibale wanu muli ndi matenda aakulu omwe amafunika kupita kukaonana ndi dokotala wanu kawirikawiri kapena kufunika kwa mankhwala okwera mtengo.
Ndikofunika kuyesa kupeza mtundu wa inshuwalansi ya umoyo pa nthawi imene mukusowa ntchito. Ngati inu kapena wachibale wanu akufunira chisamaliro popanda inshuwalansi yowonjezeredwa, mudzakhala mukulipirira kulipira ngongole yonse. Mwinamwake mukukhala ndi zosafunikira zachuma chifukwa musakhale ndi inshuwalansi ya thanzi. Kuyenda popanda inshuwaransi yaumoyo kungaoneke kuti n'kopanda phindu pamene mulibe ndalama kapena zochepa, mwina sizingakhale! Chifukwa chachikulu chomwe chimachititsa kuti anthu azimasuka ku United States ndi matenda komanso madokotala.
Ndikofunika kumvetsetsa kuti ACA imapereka chilango cha ndalama ngati mulibe kusiyana kwa miyezi iwiri pachaka . Kuti mupewe chilango (pokhapokha ngati simungathe kutero ), muyenera kusunga zofunikira zochepa. Izi zingaphatikizepo COBRA kapena ndondomeko yomwe idagulidwa pamsika (payekha kapena kusinthanitsa ), koma sichiphatikizapo inshuwalansi yathanzi .
Mwamwayi, ngati mutapatsidwa pinki yokhala ndi pinki, muli ndi njira zingapo zoti mukhalebe inshuwalansi kwa nthawi yotsatira mutayika.
Wokwatirana kapena Inshuwalansi ya Umoyo Wogwirizana
Kupeza inshuwalansi ya umoyo kudzera mwa abwana anu (kapena abwenzi apamtima) angakhale njira yanu yogula kwambiri. Ambiri omwe amagwiritsa ntchito inshuwalansi ya inshuwalansi amalola antchito awo kuwonjezera mamembala awo omwe achotsedwa - mwamuna kapena mkazi wanu akhoza kukuwonjezerani ku dongosolo lake.
Ngati ntchito yanu inapereka inshuwalansi ya umoyo kwa banja lonse, mwamuna kapena mkazi wanu akhoza kuyamba kufotokozera banja, chifukwa kuwonongeka kwa chidziwitso ndizofunikira zomwe zimayambitsa nthawi yolembetsa yapadera , mosasamala kanthu zomwe zimachitika chaka.
Ngati mutha kugwiritsa ntchito inshuwalansi ya thanzi lanu , onetsetsani kuti mutha kugwiritsa ntchito masiku osachepera 30 mutayika chithandizo chanu choyambirira-inshuwalansi yothandizira inshuwalansi yanu sungalandire chiwerengero chanu ngati mudikira masiku opitirira 30.
COBRA
Ngati bwana wanu wakale ali ndi antchito 20 kapena kuposerapo, kampaniyo ikufunidwa ndilamulo la federal 1986 kuti likupatseni mwayi wokulipira kuchuluka kwa inshuwalansi yanu ya miyezi 18. Lamuloli limadziwika kuti COBRA, lomwe likuimira Consolidated Omnibus Budget Reconciliation Act .
Panthawi yomwe mwatayika, bwana wanu akuyenera kukudziwitsani momveka za ufulu wanu pansi pa COBRA. Muli ndi masiku 60 kuyambira tsiku limene mwatchulidwa kapena tsiku limene inshuwaransi yanu yatsimikiza kulembetsa kapena kulembetsa zolembera pansi pa COBRA. Ngati kampani yanu idachita bizinesi kapena idzagulitsidwa, COBRA sidzapezeka.
Mukalembetsa kwa COBRA, mudzapitiriza kukhala ndi inshuwalansi yathanzi yomwe mudali nayo.
Komabe, muyenera kulipira inshuwalansi ya umoyo wanu omwe mwakugwirani ntchito kale akukulipirirani, kuwonjezera pa malipiro omwe mudalipira kale pogwiritsa ntchito malipiro. Wogwira ntchitoyo angapangitsenso malipiro 2% oyang'anira.
Malinga ndi zochitika zanu, COBRA ikhoza kukhala yotsika mtengo kwambiri. Ogwira ntchito nthawi zambiri samadziwa momwe abwana awo akuwathandizira pa ndalama zawo zonse. Malinga ndi kafukufuku wa Kaiser Family Foundation wa 2016 , anthu ambiri omwe amagwiritsa ntchito inshuwalansi amapereka ndalama zokwana 71 peresenti ya ndalama zonse zothandizira inshuwalansi ya banja, ndipo 82 peresenti ya malipiro a ogwira ntchito osakwatira.
Kutembenukira ku COBRA kumatanthauza kuti ndiwe amene ali ndi udindo pa mtengo wanunthu. Malipiro amtengo wapatali, kuphatikizapo gawo lolipidwa ndi wogwira ntchito ndi bwana, $ 18,142 owerengeka mu 2016 kuti awonetsere banja, ndi $ 6,435 chifukwa chokhalira limodzi.
Icho ndi ndalama zambiri ndipo mwinamwake kuposa momwe inu mumayang'anira kulipira, makamaka ngati inu munatayiranso ndalama zanu ndipo mukusonkhanitsa inshuwalansi ya kusowa ntchito. Kwa antchito ena, malipiro a COBRA angakhale oposa 60 mpaka 70 peresenti ya kafukufuku wawo wamwezi uliwonse. Ogwira ntchito ambiri omwe ali oyenerera kupitiriza chithandizo cha inshuwalansi yawo kudzera ku COBRA sangakwanitse kuchita zimenezi.
Ngati simungakwanitse kugula COBRA, pakhoza kukhala njira zina za inshuwaransi zaumoyo zomwe zingakupatseni chithandizo chaumoyo chomwe mukufunikira kwa inu ndi banja lanu. Izi ndi zoona makamaka tsopano kuti ACA yasintha malonda a inshuwalansi payekha.
COBRA imayang'aniridwa ndi a US Department of Labor. Tsamba la webusaitiyi lili ndi mndandanda wa mafunso omwe amafunsidwa kawirikawiri pa COBRA. Mukhozanso kutchula 866-444-3272 kuti mudziwe kapena kuthandizidwa.
Zindikirani: COBRA sanasinthe ndi njira ya Affordable Care Act
Inshuwalansi Yathanzi Labwino: Kupeza Zothandizira, Yambani ndi Kusintha mu Boma Lanu
Mukhoza kugula inshuwalansi ya umoyo kudzera muchitukuko chanu (dziwani kuti iyi ndi malo okha omwe ndalama zothandizira ndalama zothandizidwa ndi ndalama zothandizira ndalama zimapezeka), mwachindunji ku kampani ya inshuwalansi, monga Blue Cross, kapena kudzera mu inshuwalansi yemwe akuimira makampani ambiri a inshuwalansi.
Muyenera kulingalira ndi wogulitsa inshuwalansi yemwe ali ndi chilolezo chomwe angakuthandizeni kupeza inshuwalansi yaumoyo yotsika mtengo kuposa COBRA ndipo ikugwirizanabe ndi zosowa zanu. Mudzafuna kutsimikiza kuti wogulitsayo ali ndi chilolezo ndi kusinthanitsa kwanu, kuti athe kukuthandizani kuti mulembetse kudzera mwachitsulo ngati ndalama zanu zingakupangitseni kupeza ndalama zothandizira kuwononga ndalama zanu, ndipo mwina ndalama zanu zochokera kunja.
Mukhoza kuyerekeza mosavuta ndalama zapamwamba ndi zaumoyo pa intaneti, makamaka ngati mumagwiritsa ntchito webusaitiyi (kuyamba ku HealthCare.gov, ndipo idzakulozerani ku malo ovomerezeka ngati dziko lanu lili ndi nsanja yawo). Makampani a inshuwalansi a zaumoyo amasiyana ndi mapulani aumoyo omwe amapereka ndipo pogula mozungulira mukhoza kusunga ndalama. Mwachitsanzo:
- John Skillset, wazaka 36, anachotsedwa pakati pa maudindo apakati pa bizinesi ya mabanki. Zomwe banja lake likulengeza kudzera ku COBRA ndi $ 1450 pamwezi. Anatha kupeza chithandizo chokwanira kwa banja lake ku kampani ya inshuwalansi yopanda phindu kwa $ 785 pamwezi. Ngakhale ndondomekoyi ikufuna kuti azilipira ndalama zokwana madola 3000 za ndalama zamalonda (deductible), banja lake liri labwino ndipo lakhala ndi ndalama zochepa m'mbuyomu.
- Jenny Techwhiz, wa zaka 24, anachotsedwa panthawi ya kuchepa kwa kampani ya pulogalamu ya pakompyuta. Munthu wakeyo kudzera ku COBRA ndi $ 390 pa mwezi. Anatha kupeza pulani yapadera kuchokera ku Blue Cross kwa anthu a zaka 18-26 mpaka $ 280 pamwezi.
Obamacare Nawonso Anatha Kulembetsa Zopinga kwa Anthu omwe alipo kale
Chitetezo cha Odwala ndi Chithandizo Chamtengo Wapatali (ACA) chinasintha malowo pokhudzana ndi kupeza chithandizo cha inshuwalansi zaumoyo. Pambuyo pa 2014, inshuwalansi ya umoyo payekha (mtundu womwe mumadzigulira nokha, mosiyana ndi kupeza kwa abwana) unali mankhwala olembedwa m'zinenero zambiri. Izi zikutanthauza kuti anthu omwe analipo kale anali ndi malipiro apamwamba, otsutsa ndondomeko yonse, kapena amapanga mapulani omwe sanatulukepo kale.
Kwa anthu omwe anachotsedwapo ndipo analipo kale, izi nthawi zambiri zimatanthauza kuti COBRA ndiyo njira yokhayoyi, ngakhale kuti mtengo wamtengo wapatali.
Koma kuyambira mu 2014, inshuwalansi yaumoyo m'mayiko onse inatsimikiziridwa; mabungwe a inshuwalansi salinso ololedwa kuti apange zovuta zomwe zisanachitikepo . Kulembetsa tsopano kuli kochepa mofanana ndi momwe zilili zochepa pazinthu zomwe amagwiritsidwa ntchito ndi abwana. Anthu amatha kulemba zolemba pamsika pamsika (November 1 mpaka December 15 ndi ndondomeko yomwe idzatsatidwe kuyambira kumapeto kwa 2017 ndi kupita patsogolo), kuti athandizidwe mu January wotsatira. Kapena amatha kulembetsa nthawi iliyonse pachaka ngati atakhala ndi chidziwitso chodziwitsa nthawi yapadera .
Kuwonongeka kwa ndondomeko yolimbikitsidwa ndi abwana akuonedwa ngati choyenera, ngakhale mutakhala ndi mwayi wa COBRA. Mukhoza kuchepetsa COBRA ndikulembera ndondomeko ya malonda (payekha kapena kusinthanitsa, koma kukumbukira kuti ndalama zothandizira kuti zitheke zimapezeka pokhapokha), koma muyenera kuzichita pasanathe masiku 60 mutasiya ntchito yanu ndondomeko. Ngati mudikira motalika kuposa apo, nthawi yanu yolembera yapadera idzachoka, ndipo muyenera kuyembekezera nthawi yolembera yotsatira.
Chithandizo cha Inshuwalansi ya Nthawi yayitali: Kuchepa kwa miyezi itatu
Ndondomeko ya inshuwalansi ya nthawi yayitali, yomwe imatchedwa inshuwalansi yachinsinsi kapena inshuwalansi yaifupi, yapangidwa kuti ikupatseni chithandizo chamankhwala kwa nthawi yochepa. Kuyambira mu April 2017, mapulani a nthawi yayitali sangathe kukhala ndi masiku opitirira 90. Zambiri mwazinthuzi zimaphatikizapo zochitika zadzidzidzi zokhudzana ndi thanzi, kuphatikizapo chipatala, ndi mankhwala odwala matenda aakulu.
Ngakhale mapulaniwa angakhale otsika mtengo kusiyana ndi inshuwaransi yathanzi, ali ndi malire angapo, kuphatikizapo kupezeka kwa zinthu zomwe zakhalapo kale komanso chithandizo chamankhwala chokhazikika, komanso ndalama zowonongeka . Palibenso chitsimikizo chakuti mutha kukonzanso ndondomekoyi mutatha nthawi yanu yowerengera.
Ndondomeko ya inshuwalansi ya kanthawi kochepa ingakhale yoyenera kwa inu ngati muli ndi moyo wathanzi, mulibe matenda omwe alipo, ndipo muyembekezere kugwiritsidwa ntchito kapena kukwanitsa kugula inshuwalansi yathanzi nthawi zonse zisanafike nthawi.
Zindikirani kuti ndondomeko ya nthawi yaying'ono siiganizidwe kuti ndizofunikira zofunikira zowonjezera pansi pa ACA. Izi zikutanthauza kuti ngati mutadalira ndondomeko yaifupi ya miyezi iwiri, mudzakhala pansi pa chilango cha ACA payekha , kupatula ngati simungapereke chilango.
Zosakakamiza Zochepa Kapena Zosankha Zosankha: Kuwonjezeka kwa Medicaid Kumapangitsa Kuti Zambiri Zitheke
Ngati ndalama zanu zatsika kwambiri ndipo simungakwanitse kugula inshuwalansi ya umoyo, mukhoza kulandira pulogalamu ya m'deralo, boma kapena federal.
Pansi pa ACA, mayiko amatha kulandila Medicaid kukwanira mpaka 138 peresenti ya umphaŵi (pafupifupi $ 28,000 kwa banja la atatu mu 2017). Ngati malipiro anu atsika pansi pamsinkhuwu chifukwa cha kutayika kwanu, mungathe kulandira Medicaid, malingana ndi kumene mukukhala. Pali mayiko 19 omwe sanatulutse Medicaid, ndipo mu 18 mwa maiko amenewo, pali "kusiyana pakati" kwa anthu omwe ali ndi ndalama zowonjezera umphawi.
Ngati simungakwanitse kulandira Medicaid ndipo simungakwanitse kupeza malipiro osinthanitsa ngakhale ndi ndalama zomwe zilipo, malo abwino oti muyambe kufunafuna chidziwitso ndi webusaiti ya Foundation for Health Coverage Education. Bungwe lopanda phindu limapereka zida zothandizira kuti mupeze inshuwalansi yapamwamba kapena njira zina zomwe mungasankhe. Webusaitiyi imaperekanso mwayi wopezeka kuntchito yotchedwa Uninsured Hot Line (800-234-1317) yomwe imakulolani kuti muyankhule kwa ogwira ntchito nthawi iliyonse-maola 24 pa tsiku, masiku asanu ndi awiri pa sabata.
Ngati mulibe inshuwalansi yathandizira, pali malo omwe mungapite kukatenga mtengo kapena kusamalidwa kwaulere. Zosankha izi ndizo:
- Inshuwalansi ya Ana: Ngati banja lanu lili ndi ndalama zochepa, ana anu (osakwana zaka 19) akhoza kulandira inshuwalansi yaufulu kapena yotsika mtengo. Ndondomekozi, zoperekedwa ndi boma la boma ndi boma lanu, zimaphimba maubwino onse azaumoyo a ana kuphatikizapo mano ndi masomphenya . Chiwerengero cha ana chilipo ngakhale m'ma 18 omwe pali kusiyana kwa anthu akuluakulu a Medicaid. Kuti mudziwe zambiri, funsani Dipatimenti ya Zaumoyo kapena Dipatimenti ya Ana ndi Zipatala za boma lanu. Mukhoza kuphunzira zambiri za inshuwalansi ya umoyowu ndikupeza pulogalamu ya boma pa InsureKidsNow!
- Magulu a zaumoyo ammudzi: Olamulidwa ndi boma la federal, malo ogwira ntchito zaumoyo angapezeke m'madera ambiri a dzikoli. Zipatalazi zimapereka chisamaliro kwa anthu omwe alibe inshuwalansi ya umoyo ndipo amakhala ndi masikelo othandizira pogwiritsa ntchito ndalama. Ambiri mwa ma kliniki awa ali ndi maulangizi othandizira anthu kupeza chithandizo cha inshuwalansi kapena chisamaliro chotsika mtengo. Pezani malo odwala m'dera lanu.
- Zipatala Zamaofesi : Amakliniki awa, omwe ali m'madera ambiri, amapereka chithandizo chamankhwala kwaulere kapena mtengo wapatali kwa anthu osatonthozedwa. Nthawi zambiri amathandizidwa ndi madokotala ndi anamwino odzipereka ndipo amadalira zopereka kuchokera kumudzi. Pezani kliniki yaulere m'dera lanu.
- Mapindu a Veterans: Dipatimenti ya Veterans Administration (VA) imapereka chithandizo chamankhwala chaulere kapena chotsika mtengo komanso mankhwala oyenera kwa odwala akale kudzera m'zipatala za VA. Webusaiti ya VA ili ndi zambiri zokhudza kuyenerera komanso malo a maofesi a VA.
Dzisamalire
Kutaya ntchito yanu, ndalama zanu, ndi ubwino wanu wa thanzi zingakhale zovuta kwambiri, ndipo kwa anthu ambiri, zimadzipangitsa kukhala odzidalira. Chimodzi mwa zinthu zofunika kwambiri zomwe muyenera kuchita ndicho kudziyang'anira nokha!
Pali masitepe omwe mungatenge kuti akuthandizeni nthawi ino:
- Khalani otetezeka pa kupeza inshuwalansi ya umoyo komanso kufunafuna ntchito yatsopano
- Khalani oyanjana ndi abwenzi ndi abwenzi
- Pezani gulu lothandizira la anthu ena omwe atayidwa
- Lankhulani ndi dokotala wanu za kulemba kwanu ndi inshuwalansi. Angathe kupereka ndondomeko zopulumutsa ndalama monga kusintha mankhwala a dzina lanu polemba mapulogalamu achiyero kapena kupanga ndondomeko ya malipiro anu ngongole zamankhwala.
Ndipo chofunika kwambiri, pitirizani kukhala ndi moyo wathanzi ndi kuchita masewera olimbitsa thupi komanso kudya zakudya zabwino. Mudzamva bwino ndipo simukusowa thandizo la zaumoyo!
> Zotsatira:
> Dipatimenti ya Treasury; Dipatimenti ya Ntchito; Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Kupindula Kwambiri; Zochitika za moyo ndi Chakale; ndi nthawi yayitali, yaying'ono inshuwalansi . 2016
> Kaiser Family Foundation. Kusintha kwa Msika Wa Inshuwalansi za Zaumoyo: Nkhani Yotsimikiziridwa. June 2012.
> Kaiser Family Foundation. Gaga Yophatikiza: Osalimbikitsa Osauka Okalamba M'mayiko omwe Salikulitsa Medicaid. October 19, 2016.