Ngati ndondomeko ya inshuwalansi ya Obamacare idafafanizidwa chifukwa mwakhala mukuchedwa kubweza ngongole za inshuwalansi , mumayenera kumvetsa zomwe zimachitika pa ngongole zanu zothandizira, zomwe mungachite kuti mupeze chithandizo cha inshuwalansi tsopano, ndipo ngati mutalipira chilango chifukwa chosatsimikiziridwa.
Chimachitika ndi Milipi Yanu Yopanda Ngongole Yopanda Ngongole Pambuyo pa Inshuwalansi Yanu Yopereka Inshuwalansi Imachotsedwa
Ngati mutalandira ndalama zowonjezera ngongole ya inshuwalansi yothandizira ndalama kuti muthe kulipira inshuwaransi ya umoyo yomwe mwagula kudzera mu mtengo wodalirika Care Act inshuwalansi yothetsera inshuwalansi, pali mwayi kuti mukhale ndi ngongole zachipatala zomwe zikubwezeretsani kwa inu opanda msonkho ndondomeko.
Izi zimachitika ngati mutalandira thandizo la zaumoyo pamene mudali pakati pa masiku 31 ndi 90 mutabweza inshuwalansi ya inshuwalansi yanu.
Mukadutsa masiku osachepera 30 mutalipira inshuwalansi ya thanzi lanu, ndondomeko yanu yaumoyo idzabweretsa chiwerengero cha "chilolezo". M'malo mogwiritsira ntchito ndi kulipira izi, iwo akugwirabe pamene kampani ya inshuwalansi ikudikirira kuti muwone ngati mukupeza pa malipiro anu oyambirira. Ngati simugwira, inshuwalansi ya umoyo wanu idzachotsedwa mutakhala masiku oposa 90 mochedwa. Kuchotsedwa kudzakhala kubwezeretsa nthawi yomwe mudakhala masiku 31 mochedwa.
Madandaulo a zaumoyo omwe muli nawo mukakhala pakati pa masiku 31 ndi 90 mutapereka malipiro anu adzakanidwa ndipo wothandizira zaumoyo adzayembekeza kuti muwabwezere. Popeza kuchotsedwa kwa inshuwalansi ya umoyo wanu kunabwereranso tsiku lomwe mwakhala masiku 31 mochedwa, simudzakhalanso oyenerera kuthetsa ndondomeko yanu yakale yaumoyo yomwe mudakambirana ndi wanu amene amapereka chithandizo.
Zoona, inu simunalimbikitsidwe pamene inu muli ndi chisamaliro chimenecho. Ndalama yanu ingakhale yopamwamba kwambiri popanda kugwiritsa ntchito makina .
Ngati mukuganiza kuti izi zikhoza kukuchitikirani, chinthu choipitsitsa chimene mungachite ndichabe. Khalani otetezeka. Pitani kwa wothandizira zaumoyo wanu musanayambe inshuwalansi yanu isanafike pa tsiku 91 ndikukambirana za mgwirizano.
Ambiri amapereka ndalama zowonjezereka kwa mabungwe osonkhanitsa, kotero kulephera kuchitapo kanthu kungakhudze ngongole yanu ya ngongole ndipo zimapangitsa kuti zikhale zovuta kupeza ngongole mtsogolo.
Mukamayandikira wopereka wanu za ndalama zomwe simukulipirirani, khalani oona mtima pazochitika zanu. Ambiri othandizira zaumoyo adzakambirana zolinga za malipiro chifukwa iwo ayenera kulipira pang'onopang'ono kusiyana ndi kulipidwa konse. Kukambirana ndondomeko ya malipiro kungasunge ndalama yanu kuchokera m'manja mwa bungwe losonkhanitsa. Ngati munalandira chisamaliro kuchokera ku bungwe lalikulu monga chipatala, funsani za kupezeka kwa kulipira kulipira kapena thandizo lachikondi.
Chilango Chosavomerezedwa
Ngati mutakhala opanda chitsimikizo kwa miyezi itatu yotsatizana, mukhoza kulandira msonkho wa msonkho mukadzaperekera msonkho chaka chamawa. Chilango chimachokera pa zomwe mumapeza ndipo chiwerengedwa pamwezi uliwonse; Mudzaweruzidwa kwa miyezi yomwe munalibe inshuwalansi za tsiku limodzi.
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Muzochitika zina, mutha kukhala ndi ufulu wothandizira inshuwalansi ya thanzi. Pachifukwa ichi, mungapewe kubwezera chilango ngakhale mutakhala osatonthozedwa.
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Kutaya inshuwalansi ya umoyo wanu chifukwa simunalipire malipiro anu sikumakupatsani mwayi wolembetsa nthawi yapadera pa inshuwalansi ya umoyo. Simungathe kulemba ndondomeko ya Obamacare kachiwiri mpaka chaka chotsatira cholembera . Nazi zina zomwe mungasankhe pa inshuwalansi yaumoyo pakalipano.
- Medicaid. Pulogalamu ya Medicaid ili ndi malire oyenerera kuti athe kuyenerera koma amalola olembetsa chaka chonse kwa iwo omwe ali oyenerera.
- Inshuwalansi ya umoyo wa Job (nthawi yoyamba kulembetsa). Ngati mutapeza ntchito yomwe imapereka inshuwalansi ya umoyo, mumaloledwa kulembetsa nthawi yoyamba yolembetsa mutangoyamba kumene ntchito yanu. Momwemonso, ngati mwamuna kapena mkazi wanu atapeza ntchito yomwe imapereka inshuwalansi kapena banja la inshuwalansi, mudzakhala ndi mwayi wolembera chithandizo cha inshuwalansi pa ntchito yatsopano. Ngati muli ndi zaka zoposa 25 ndipo kholo lanu liyamba ntchito yatsopano yothandiza inshuwalansi ya banja, mudzatha kufotokoza mpaka mutakwanitse zaka makumi awiri ndi zisanu ndi ziwiri ( 26) pansi pa dongosolo latsopano la makolo anu.
- Zolemba zochokera ku Yobu (nthawi yolembera yapadera). Ngati mwasintha mkhalidwe wa banja kapena zofunikira zina, mukhoza kukhala ndi nthawi yolembera yapadera ndi ndondomeko ya inshuwalansi ya umoyo wanu yomwe mwakhala mukugwira ntchitoyo ngakhale mutasintha inshuwalansi ya moyo wanu m'mbuyomo. Komabe, kutayika inshuwalansi yanu ya Obamacare chifukwa simunalipire malipiro anu sungakuyenereni nthawi yolembera. Zinthu monga kukwatira kapena kusudzulana, kukhala ndi mwana, kapena kulera mwana zikhoza kukuthandizani. Funsani ogwira ntchito ntchito yanu kuti mupeze mndandanda wa zochitika zonse zoyenera.
- Medicare . Ngati muli pafupi zaka 65, Medicare angakupulumutseni. Ngati inu, mnzanuyo, kapena mwamuna kapena mkazi wanu wakale mudapereka ndalama m'ntchito ya Medicare kudzera mu malipiro kapena msonkho wongogwira ntchito kwa zaka zokwanira kuti muyenerere, muyenera kulandira Medicare mukakwanitsa zaka 65.
- Inshuwalansi ya nthawi yayitali. Aliyense angathe kugula inshuwaransi ya nthawi yayitali kuchokera kampani ya inshuwalansi kapena kudzera mu inshuwalansi. Palibe nthawi yolembera; mukhoza kugula nthawi iliyonse. Komabe, inshuwalansi yathanzi yanthaŵi yaying'ono sikudzakuthandizani kupewa chilango cha kusatonthozedwa. Komanso, ogulitsa inshuwalansi a nthawi yayitali amaloledwa kugwiritsira ntchito zolembera ndipo angatenge mikhalidwe yomwe ilipo kale, zaka zanu, ndondomeko yanu ya ngongole ndi zina zomwe mukuganiziranso poika malipiro awo oyambirira. Zimene Muyenera Kupewa ndi Inshuwalansi Yathanzi ya Nthawi yayitali.
- Kulembetsa kwapadera pa kusintha kwa inshuwalansi ya umoyo wanu . Pamene mutayika ndondomeko yanu ya Obamacare chifukwa simunalipire malipiro anu sichidzayambitsa nthawi yowunikira pa inshuwalansi ya umoyo wanu, kusintha kwa moyo wanu kungakhale. Ngati mwakhala ndi kusintha kwakukulu kwa moyo monga kusintha kwa msinkhu wa banja, kusunthira, kapena kusintha kwakukulu mu msinkhu wanu, pendani ndi inshuwalansi yaumoyo wanu kuti muwone ngati muli oyenerera nthawi yolembera. Nthawi yolembera yapadera ndi nthawi yochepa, choncho musayembekezere.
- Chaka cholembera chaka chotsatira . Aliyense yophukira , Wodalirika Care Care Kusinthanitsa kwa inshuwalansi ya umoyo ali ndi mwayi wolembetsa nthawi. Simungathe kutaya chifukwa simunalipire malipiro anu a inshuwalansi zam'mbuyomu. Simudzasowa malipiro omwe mudali nawo pamalipiro anu, ngakhale mutalembetsa ndi ndondomeko yomweyo yaumoyo.