Kudikirira mpaka mutadwala kungakhale kotsika mtengo
Inshuwalansi yaumoyo ndi yokwera mtengo, bwanji osangodikirira ndi kugula inshuwalansi ya umoyo pamene mukufunikira? N'chifukwa chiyani kulipira malipiro a miyezi ingapo simukufunikira kuigwiritsa ntchito?
Popeza malamulo osamalidwa bwino a Care Act amafunika kuti mugule inshuwalansi ya umoyo ku bungwe, osati mchitidwe wothandizidwa ndi boma omwe amapezeka m'mayiko ambiri otukuka, zingawoneke kuti ndi zotchipa komanso zotetezeka kuchedwa kugula mpaka mutachifuna.
Koma, pali zifukwa zomveka zosadikirira.
Kulembetsa Otsegula Sikutseguka
Mukhoza kugula inshuwalansi ya umoyo pa msika wina uliwonse (umene umaphatikizapo kupititsa patsogolo inshuwalansi ya umoyo komanso kusagwirizana ) nthawi yolembera , nthawi yomwe aliyense angagule inshuwalansi ya umoyo.
Ngati simugula inshuwalansi yanu panthawi yolembera, muyenera kuyembekezera kulembetsa mwayi wotsatila. Ngati mukudwala pakadali pano, mwinamwake simudzakhala ndi mwayi.
Nthawi yolembetsa yotsegulidwa yafupika. Kuyambira pa 2018 kufotokozera, kutsegulidwa kotsegulidwa kungakhale masabata asanu ndi limodzi, kuthamanga kuchokera pa November 1 mpaka December 15 chaka chilichonse, ndi kugawidwa bwino pa January 1 pa chaka chomwe chikubwerachi ( kufotokozera mu 2018 okha, palipakati zisanu ndi zinai zomwe zakhala zikuyendetsedwa ndi boma kutsegulidwa kutsegulidwa kudutsa December 15).
Kwa 2014, pamene mapulani ovomerezeka a ACA anali atangoyamba kumene, kulembetsa kwao kwadutsa miyezi isanu ndi umodzi.
Kuchokera chaka cha 2015 mpaka 2017, kulembetsa kwao kunali miyezi itatu pachaka.
Kupatulapo Kuwongolera
Kusintha kwa mkhalidwe wanu m'moyo wanu (koma osasintha pa umoyo wanu) kudzatenga nthawi yapadera yolembetsa yomwe mungagule inshuwalansi ya umoyo kapena kusintha ndondomeko yaumoyo wanu. Zochitika zoyenera izi zikuphatikizapo:
- Kutaya mwayi wothandizira inshuwalansi yaumoyo yanu pazifukwa zina osati kulipira malipiro kapena kupereka chinyengo (mwachitsanzo, kusiya ntchito yanu ndi kutaya mwayi wothandizira inshuwalansi).
- Kukhala wodalirika kapena kukhala wodalira. Kukwatira, kukhala ndi mwana, kapena kulera mwana ndi zitsanzo.
- Kusamukira kwamuyaya kungapange nthawi yolembera yapadera. Izi zikugwiranso ntchito kwa anthu omwe amasulidwa kundende. koma kuyambira pakati pa 2016, izi zakhala zikugwiritsidwa ntchito ngati mutakhala kale inshuwalansi kumalo anu akale-mudzakhala ndi mwayi wosintha inshuwalansi ngati mutasunthira, koma kuti musapeze chithandizo kwa nthawi yoyamba.
Nthawi yolembera yapadera ndi yoperewera nthawi, ndipo iwe uli ndi masiku 60 okha kuchokera pa tsiku loyenerera kuti ulembetse mu dongosolo latsopano.
Nthawi Yopuma Inshuwalansi Zaumoyo
Inshuwalansi ya inshuwalansi siigwira ntchito tsiku limene mumagula. Kaya muli inshuwalansi kupyolera muntchito kapena kupyolera mu kampani yomwe mumapeza pazowonjezera zaumoyo, nthawi zambiri mumakhala nthawi yodikirira musanayambe kufotokoza. Mwachitsanzo:
- Ngati mulembela pulogalamu yoyamba yolembera yanu yoyamba idzayamba pa January 1st (onani kuti m'mayiko asanu ndi anai omwe adatulutsa mwayi wolembetsa 2018, pali zina zosiyana )
- Ngati mukulembera kunja kwa olembetsa (kugwiritsa ntchito nthawi yolembetsa yapadera) ndipo mulembetse isanafike pa 15, mwezi wanu udzayamba kumayambiriro kwa mwezi wotsatira
- Ngati mulembela pambuyo pa mwezi wa 15, mwezi wanu umayambira mpaka kumayambiriro kwa mwezi wachiwiri wotsatira. Mwachitsanzo, ngati muli ndi chiyeneretso ndikulembetsa pa March 25, 2018, kufotokozera kwanu sikudzatha mpaka pa 1 May, 2018 (pokhapokha ngati mwatchutchutchu ndikutaya zina kapena zolembera, pomwepo malamulo apadera akugwiritsidwa ntchito ku tsiku lothandizira, ndipo kufotokozera kwanu kungakhale kothandiza pa April 1, 2018. Dziwani kuti nthawi zonse mungathe kupeza chithandizo chabwino kwa mwana watsopano kapena mwana wobvomerezedwa kuti abwererenso mpaka tsiku lobadwa kapena kulandiridwa pokhapokha ngati mutalembetsa musanalembedwe nthawi yomaliza).
Inshuwalansi ya Umoyo pa Zinthu Zosayembekezereka
Ndi dongosolo loipa kuyembekezera kugula inshuwalansi ya umoyo mpaka mutayigwiritsa ntchito. Ngakhale mutakhala wachinyamata komanso wathanzi, zinthu zoipa zikhoza kuchitikabe.
Bwanji ngati mutapukuta dzanja lanu pamene galasi la vinyo linasweka mukamatsuka? Kukhazikika mu chipinda chodzidzimutsa kungakhale okwera mtengo kwambiri. Bwanji ngati mutagonjetsa katsamba ndikuyenda pansi pa masitepe? Ng'ombe yosweka silingakhoze kuyembekezera ndipo mwina iyenera kuchitidwa opaleshoni.
Ngakhale ngati chinachake chonga ichi chikuchitika mukatha kulembetsa nthawi yomweyo (pa nthawi yolembetsa kapena polembetsa nthawi yapadera), momwe mukudziwira sizingatheke pomwepo. N'zosakayikitsa kuti mukufuna kudikira kwa milungu ingapo kuti mupite ku chipinda chodzidzimutsa. Muyenera kuyembekezera miyezi kuti mulembetse.
Ndalama za Inshuwalansi ya Umoyo
Chifukwa chofala kwambiri chimene anthu amapereka chifukwa chosowa inshuwalansi ndi kuti ndi okwera mtengo kwambiri. Koma ACA yathandizira kupanga chithandizo chotheka kwambiri kwa anthu omwe ali ndi ndalama zochepa komanso zochepa.
Ngati ndalama zanu zinali zosachepera $ 16,642 mu 2017 (kwa munthu mmodzi), mukhoza kulandira Medicaid. Zimadalira ngati dziko lanu lakulitsa Medicaid, koma 31 akuti ndi DC akhala atasintha kuwonjezera Medicaid pansi pa ACA.
Ngati malipiro anu ali apamwamba kwambiri kwa Medicaid koma mpaka nthawi zinayi zaumphawi, mukhoza kukhala ndi ndalama zothandizira kuti mupeze ndalama zomwe mumalandira. Malire a malipiro apamwamba mu 2017 kuti apereke thandizo la 2018 kwa munthu mmodzi yekha anali pafupi madola 48,240 -dikati pakati pa anthu amodzi (kwa banja la anayi, malire a malipiro amapitirira $ 98,400).
Kuti muyenerere ndalama zothandizira, muyenera kugula inshuwalansi yanu mwachindunji. Mutha kutenga ndalama zothandizira, ndikulipiritsa kwa inshuwalansi yanu chaka chonse, kapena mutha kulipira mtengo wanu wonse ndikufunsani ndalama zanu pa msonkho wanu .
Mapulani Oopsya
Ngati muli ndi zaka zoposa 30, kapena ngati muli ndi mavuto azachuma, mukhoza kulandira ndondomeko yoopsa ya thanzi . Ngakhale ndondomekozi zili ndi ndalama zowonjezera kwambiri komanso ndalama zowonongeka zomwe zimaloledwa pansi pa ACA, malipiro awo ali ochepa kusiyana ndi ena omwe angapezepo, ndipo mwinamwake mudzapeza chithandizo.
Mapulani osokonezeka sangathe kugulidwa ndi anthu opitirira 30 pokhapokha atakhala ndi mavuto omasuka. Ndipo nkofunikanso kuzindikira kuti malipiro sangagwiritsidwe ntchito kuti athe kulipira mapulani osokoneza, kotero sakhala abwino kwa aliyense amene ali woyenerera kupereka chithandizo kuchokera pa ndalama.
> Zotsatira:
> Dates ndi Malire a 2018 Inshuwalansi Zaumoyo. HealthCare.gov. https://www.healthcare.gov/quick-guide/dates-and-deadlines/.
> PPACA, Kusinthidwa kwa Nthawi Zowonjezera Zapadera ndi Ogwiritsira Ntchito Opangidwa ndi Okhazikitsa Mapulani . Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. https://s3.amazonaws.com/public-inspection.federalregister.gov/2016-11017.pdf.
Nthawi Yowonjezera Yapadera (SEP). HealthCare.gov. https://www.healthcare.gov/glossary/special-enrollment-period/.