Chifukwa chiyani kulembetsa kulemba kwaumoyo kumangopita nthawi yolembera
Kodi mwayesa kulemba inshuwalansi ya umoyo pokhapokha mutauzidwa kuti simukuloledwa kugula inshuwalansi ya umoyo kufikira olembetsa ? Ngati mupita ku galimoto kuti mugule galimoto, wogulitsayo sakukana kukugulitsani galimoto mpaka November wotsatira. Koma makampani a inshuwalansi a zaumoyo sangakulole kuti ulembele inshuwalansi nthawi iliyonse yomwe mukufuna, kaya mukuyesera kugula ndondomeko yaumoyo pa Zamtengo wapatali Care Act kusinthana kwa inshuwaransi, lembani mwa abwana anu, kapena kulemba kwa Medicare .
Mapulani a zaumoyo amalembetsa kulembetsa nthawi yolembera kuti athetsetsa kusankha kosayenera . Kusankha kosasangalatsa kumachitika pamene odwala akulembera inshuwalansi ya umoyo, koma anthu wathanzi samatero. Zimagwiritsira ntchito kuchuluka kwa chiopsezo chomwe chingachitike ngati munthu atalimbikitsa munthu, choncho inshuwalansi yonse ya umoyo imayesetsa kupewa.
Mmene Kusankhidwa Kwambiri Kumagwirira Ntchito
Kampani ya inshuwalansi ya zaumoyo ikhoza kungokhalapo ngati zimatengera ndalama zambiri pamalipiromu chaka chilichonse kuposa momwe zimakhalira muzinenelo. Kuti izi zitheke, zikufunikira mamembala abwino kwambiri kuposa odwala.
Pano pali chitsanzo chosavuta. Tiyeni tiwone kuti aliyense wogwira ntchito zaumoyo amapereka $ 6,000 pachaka pa inshuwalansi ya umoyo. Kwa membala aliyense amene amafunikira ndalama zokwana madola 400,000 zapadera m'chaka chimenecho, payenera kukhala mamembala 67 omwe amapereka malipiro awo chaka chonse popanda kuchitapo kanthu. (67 X $ 6,000 = $ 402,000.) Kampani ya inshuwalansi ya inshuwalansi imagwiritsa ntchito ndalamazo kuchokera kwa mamembala 67 omwe sanafunikire chisamaliro kulipira ngongole zachipatala kwa membala mmodzi amene amafunikira chisamaliro chochuluka.
Chifukwa Chosankha Choipa N'choipa Kwa Aliyense
Zonsezi zikanagwa pokha ngati anthu onse wathanzi adziganizira okha, "Ndichifukwa chiyani ndiyenera kulipira madola 6,000 pachaka pa inshuwalansi ya thanzi? Ndili wathanzi. Ndikungopulumutsa ndalama zokwana madola 6,000 ndikudikirira mpaka ndikudwala kuti ndigule inshuwalansi ya umoyo. "Ndiye, odwala okhawo, omwe amadzinenera kuti ali ndi ndalama zoposa malipiro awo, adzalembetsa inshuwalansi ya umoyo.
Ndondomeko ya thanzi silingatenge ndalama zokwanira pa malipiro kulipira zonsezo. Ngati izi zitachitika, ndondomeko yaumoyo idzakhala ndi njira ziwiri: pitani kunja kwa bizinesi kapena kukweza mapepala.
Ngati izo sizipita kunja, ndizoipa kwa aliyense. Tonse tidzakhala ndi zochepa zomwe tingapeze tikamagula inshuwaransi, ndipo sipadzakhala mpikisano wotsika. Makampani osungira inshuwalansi ochepa omwe amapikisana ndi bizinesi amatanthauza kuti pali zochepa zolimbikitsa zaumoyo kuti azipereka chithandizo cha makasitomala abwino ndikuwathandiza kuti asamawonongeke makasitomala.
Ngati ikukweza mapepala apamwamba, izi ndi zoipa kwa aliyense. Tonsefe tiyenera kulipira zambiri inshuwalansi ya umoyo. Pamene ndalama zowonjezera zowonjezereka, anthu wathanzi angakhale otheka kwambiri kudziganizira okha, "Chifukwa chiyani kulipira ndalama zambiri pa inshuwalansi ya umoyo? Ndikungodikirira mpaka nditadwala ndikulembera ndondomeko yaumoyo. "Izi zikhoza kuchititsa mitengo yapamwamba kuti ifike pamwamba mpaka palibe amene angakwanitse kupeza inshuwalansi ya umoyo.
Momwe Akugwirizira Zaumoyo Amapezera Kusankha Kovuta
Ogwiritsira ntchito zaumoyo sangathe kuletsa chisankho chosokoneza, koma akhoza kuchitapo kanthu mwa kuchepetsa pamene mungathe kulemba inshuwalansi ya umoyo kamodzi pachaka. Nthawi yolembetsa imatsegula aliyense amene akufuna kulembetsa ndondomeko yaumoyo, komanso amalepheretsa anthu wathanzi kuganiza kuti, "Ndidikira mpaka ndikudwala kuti ndigule inshuwalansi ya umoyo." Kupatula ngati atangopeza kumene odwala pa nthawi yolembera chaka chonse, iwo sadzakhala ndi mwayi ndipo sangathe kulemba inshuwalansi ngati akudwala.
Njira ina yomwe imalepheretsa kusankha kosayenera ndi nthawi yochepa yodikirira pakati pa olembetsa oyamba ndi tsiku limene inshuwalansi yowonjezera ikuyamba. Mwachitsanzo, ngati mutalembera inshuwaransi ya ubongo panthawi yopuma, kutsegula kwanu kumayambira pa January 1. Izi zimalepheretsa anthu kulembetsa inshuwalansi pa njira yopita ku chipatala, akuyembekeza kuti ndondomeko yawo yatsopano yathanzi idzayendetsa ndalama zawo kuchipatala.
Kuwonjezera apo, Wopindulitsa Care Act cholinga chake ndi kuchepetsa chisankho chotsutsa polamula kuti aliyense akhale ndi inshuwalansi ya umoyo kapena kulipira .
Kupatulapo Kuwongolera
Pali zochepa zochepa zomwe zimawalola anthu kulembetsa inshuwalansi ya umoyo kunja kwa olembera.
- Nthawi yoyenera kulandira.
- Nthawi yolembera yapadera.
- Medicaid ndi CHIP.
- Amwenye Achimereka .
Nthawi yoyamba kuyenerera ikuchitika pamene iwe umayamba kulandira inshuwalansi kuntchito, kawirikawiri mwezi kapena awiri mutalandira ntchito. Nthawi yovomerezeka yoyambayo siyikugwirizana ndi kulembera kwaulere chifukwa anthu amapatsidwa chaka chonse. Komabe, nthawi yoyenera kulandira ndi yoperewera; Ngati simukulemba pawindo lapadera pamene mutha kulandira chithandizo, muyenera kuyembekezera nthawi yotsatira yolembera.
Muli ndi miyezi isanu ndi iwiri yodalirika ya Medicare mukadzakwanitsa zaka 65. Ngati simukulembera nthawi yanu yoyenera, simungokhala ndi nthawi yolembera chaka chonse, mukhoza Komanso amakhomeredwa ndi mapepala apamwamba.
Nthawi yolembetsa yapadera imayamba chifukwa cha zochitika zina monga moyo wokwatira kapena kusudzulana, kukhala ndi mwana, kutaya inshuwalansi yathanzi, kapena kuchoka m'dera lanu la utumiki. Pamene kulembedwa kwapadera kukuyambitsa, muli ndi mawindo, nthawi zambiri masiku 30-60, kusintha ndondomeko yanu yaumoyo kapena kulemba ndondomeko yatsopano. Ngati mwaphonya mwayi umenewu, muyenera kuyembekezera nthawi yotsatira yolembera.
Onani kuti msika uliwonse sunakhale ndi nthawi yolembera yapadera pamaso pa 2014, koma tsopano uli ndi nthawi zolembera zapadera zomwe zimafanana ndi zomwe zimagwiritsidwa ntchito ndi inshuwalansi ya inshuwalansi. Msika wina sunagwiritse ntchito nthawi yolembera (kapena nthawi yolembera) pasanafike chaka cha 2014 chifukwa anthu amatha kulemba nthawi iliyonse yomwe akufuna ... koma malondawo anali onse koma ochepa okha, oyenerera kuunikira pamsika kudalira mbiri yanu ya zamankhwala. Ogwiritsira ntchito inshuwalansi angawononge ntchito zonse (kapena kusiya zinthu zomwe zakhalapo kale) ngati anthu ayesa kulembetsa kapena kusintha ndondomeko atalandira chithandizo chamankhwala.
Tsopano kufotokoza kumeneku kumatsimikiziridwa pamsika wamsika (monga momwe ziliri kwa antchito omwe ali oyenerera polojekiti ya abwana awo), msika pawokha umagwiritsa ntchito kulembetsa kwa olembera ndi nthawi zolembedwera zapadera monga inshuwalansi yothandizira inshuwalansi.
Medicaid, ndondomeko ya chitukuko cha boma yomwe imapereka chithandizo cha umoyo kwa okhala ndi ndalama zochepa, ndi yosiyana ndi mitundu ina ya inshuwalansi ya umoyo chifukwa sichitha kulembetsa anthu nthawi zina. M'malo mwake, amalepheretsa kulembetsa anthu okhawo omwe amapeza ndalama zokwanira komanso zofunikira zina. Ngati muyenerera ku Medicaid, mukhoza kulemba nthawi iliyonse ya chaka. N'chimodzimodzi ndi CHIP ( Child's Health Insurance Program ).
Medicaid sichipeza ndalama zake poyesa madokotala a Medicaid mwezi uliwonse. M'malo mwake, zimalipidwa ndi ndalama za boma ndi boma. Popeza ambiri amalandira Medicaid sapereka malipiro, palibe chiopsezo chachikulu chosankhira chisankho chifukwa cha anthu odwala omwe akuyesera kusunga pa malipiro.
> Zotsatira:
> School of Law Cornell. Institute of Information Information. 45 CFR 155.420 Nthawi Zowonjezera Zapadera.
> Kaiser Family Foundation. Kusintha kwa Msika Wa Inshuwalansi za Zaumoyo: Nkhani Yotsimikiziridwa . June 2012.
> Norris, Louise. Mtsogoleli wa Nthawi Zowonjezera Zapadera pa Msika Wokha. February 2017.