Osatsimikiza kuti ndiwe ndani amene mungasankhe, Obamacare kapena inshuwalansi yaumoyo yoperekedwa kudzera muntchito yanu? Kodi mukuyenera kudziwa zomwe zimakupatsani ubongo wambiri, Obamacare ndi inshuwalansi ya ntchito? Apa ndi momwe mungagwirizanitsire inshuwalansi yothandizira ntchito ndi zolemba za Obamacare zomwe ziripo pa Care Affordable Care Act inshuwalansi ya moyo wanu muzinthu zosavuta 4.
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Gawo 1-Ganizirani Zoona Zenizeni za Pulojekiti Yathanzi Yopereka NtchitoKuyerekezera ndondomeko yeniyeni yowunikira ndi yabwino kwambiri pamene mukuyesera kusankha pakati pazinthu zingapo zaumoyo. Komabe, pali mdulidwe wamfupi umene umakhala kosavuta.
Kufunika kwa ndondomeko ya thanzi kumakuwuzani kuti chiwerengero cha ndalama zothandizira zachipatala chaka ndi chaka, pafupipafupi, ndondomeko ya thanzi imalipira anthu ake. Kuposa chiwerengero cha actuarial chiwerengero, zothandiza kwambiri ndondomeko ya umoyo ndi. Mwachitsanzo, ndondomeko yaumoyo yokhala ndi ndalama zokwanira 85% idzabwezera pafupifupi 85% ya ndalama zomwe anthu onse akuyenera kulandira. Mamembala akuyembekezeredwa kulipira zina 15 peresenti ya ndalama zawo zothandizira zaumoyo pogwiritsa ntchito ndalama zogawanika monga zopatsa ndalama , mapepala ndi ndalama zothandizira .
Kuti mudziwe kufunika kwa mapulani azaumoyo omwe akupezeka kudzera muntchito yanu, muyenera kufunsa. Wogwira ntchito wanu amapindula dipatimenti ya dipatimenti kapena dipatimenti ya anthu ndi malo oti ayambe. Njira ina ndiyo kuitanitsa nambala ya utumiki wa makasitomala pa ndondomeko yaumoyo yathanzi yomwe mukuyiganizira ndikupeza ntchito yeniyeni kuchokera kwa wogwira ntchito za makasitomala.
Mukadziwa kufunika kwa ndondomeko ya umoyo wanu pa ntchito, ndinu okonzeka kupita ku gawo lachiwiri.
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Gawo 2-Yerekezerani ndi Job-based Health Plan & Obamacare Plan Actuarial ValuesMukadziwa kuti ntchito yeniyeni yomwe mukugwira ntchitoyo ikugwiritsani ntchito, konzani ndondomeko kapena ziwiri zofanana ndi zomwe mumagwiritsa ntchito kuti musinthe. Mukhoza kudziwa za mtengo wa Obamacare womwe umagwiritsidwa ntchito ndi chitsulo chake.
- Mapulani a zitsulo zamkuwa ali ndi phindu la 60%.
- Mapulani a zachuma a siliva ali ndi phindu lenileni la 70%.
- Mapulani a zaumoyo a golide ali ndi phindu lenileni la 80%.
- Platinum zaumoyo zamasamba ali ndi phindu lenileni la 90%.
Mwachitsanzo, ngati inshuwalansi yothandizira ntchito yomwe abwana anu amapereka ili ndi phindu la 72 peresenti, mungasankhe mapulani awiri a siliva obamacare kuti muwafanane nawo popeza mapulani a siliva ali ndi mtengo wapatali pafupi ndi ntchito yanu ndondomeko.
Poyerekeza mapulani a zaumoyo omwe ali ofanana, mukuonetsetsa kuti mukuyerekezera maapulo ndi maapulo. Ngati mukuyerekezera pulogalamu yaumoyo yokwanira 90% yomwe ikupezeka pantchito ndi 60% yokhala ndi ndalama zogwiritsira ntchito pulogalamu yaumoyo, zingakhale zabwino ngati zikuyerekeza ndi Porsche 911 ndi Ford Mustang. M'malo mwake, muyenera kuyerekeza Honda Accord ndi Toyota Camry kuti muthe kudziwa momwe mukufunira buck wanu mukamafanizira ndondomeko yanu yathanzi ndi ntchito ya Obamacare.
Mukasankha ndondomeko ya Obamacare kapena ziwiri zomwe mukuyenera kuzigwiritsa ntchito posinthanitsa, mwakonzeka kuti mupitirire mpaka kugawo lachitatu.
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Gawo 3-Sungani Zomwe Mukuzigwiritsa Ntchito ku Obamacare & Insurance Inshuwalansi ya NtchitoKusankha Ndalama Yoyamba ya Mwezi Kwa Inshuwalansi Yopereka Thandizo Labwino
Inshuwalansi yathanzi yothandiza Yobu nthawi zambiri imathandizidwa ndi abwana anu. Bwana wanu amapereka gawo la mtengo wamwezi uliwonse wa inshuwalansi ya umoyo wanu, ndipo mumapereka gawo. Gawo lanu limachokera ku msonkho wanu wa msonkho kotero simukulipira msonkho pa msonkho.
Funsani dipatimenti yopindula ndi antchito anu momwe ndalama zanu zogulira inshuwalansi za moyo wanu zidzakhalira mwezi uliwonse ngati mutasankha inshuwalansi ya ntchito.
Kuzindikira Ndalama Yoyamba ya Mwezi Yophatikiza Malingana ndi Inshuwalansi Zaumoyo
Kuti mudziwe mtengo wanu pazinthu za umoyo wa Obamacare, muyenera kubwerera ku inshuwalansi ya umoyo wanu. Mwina mungafunikire kulembetsa ndi kusinthanitsa ndikupanga akaunti yanu polemba zambiri za anthu. Popeza malingaliro a zaumoyo okhudzana ndi kusinthanitsa amaloledwa kusinthira malipiro awo malinga ndi msinkhu wanu, kumene mumakhala, komanso ngati mukusuta kapena mukusuta, muyenera kudyetsa nkhaniyi ku intaneti inshuwalansi yodula inshuwalansi kuti musathe phunzirani za ndalama.
Ngakhale inshuwalansi ya umoyo wa Obamacare kawirikawiri imathandizidwa, sizingatheke kuthandizidwa . Ngati mwapatsidwa inshuwaransi yaubwana ndi abwana anu, simuyenera kulandira thandizo la Obamacare pokhapokha ngati inshuwalansi ya umwini omwe abwana anu amapereka ndi yodalirika kapena yosasokonezeka.
Pachifukwa ichi, mwapadera kwambiri amatanthauza kuti ntchito yanu yokhudzana ndi thanzi ili ndi phindu loposa 60 peresenti. Inshuwalansi ya inshuwalansi ya abwana anu idzaonedwa kuti ndi yosasokonezeka ngati gawo lanu la mtengo wodzipezera nokha, osati kulumikizana kwa banja, limapereka ndalama zoposa 9,5% za pakhomo lanu.
Mukhoza kulandira thandizo la inshuwalansi ya inshuwalansi yowonjezera msonkho kuti muthe kulipira inshuwalansi ya umoyo mumagula kusinthana ngati
- Ngati malipiro anu ali pakati pa 100% ndi 400% a federal poverty level , ndi
- Inshuwalansi ya umoyo wanu abwana amapereka ili ndi mtengo wapatali kuposa 60% kapena
- Gawo lanu la ndalama zothandizira inshuwalansi zapamwamba ndi ntchito zoposa 9,5% za pakhomo lanu.
Ngati mukukumana ndi njirazi, njira yabwino yodziwira mtengo wa Obamacare akukonzekera kuti mukufaniziranso ndi ndondomeko yanu yaumoyo ndikuthandizira chithandizo kudzera mu inshuwalansi ya umoyo wanu. Monga ngati kulemba ndi kukhazikitsa akaunti ndi inshuwalansi ya umoyo wanu sikunakukakamizeni kuti mugulitse dongosolo la Obamacare, komanso kupempha thandizo kuti mugule inshuwalansi kapena kulandira thandizo la ndalama. Mungathebe kusankha zosankha za abwana anu m'malo mwake.
Kodi ntchito yothandizira inshuwalansi ya umoyo umakhala bwanji?
Ngakhale simukuyenera kulandira thandizo la Obamacare, mudzafunikanso kugwiritsa ntchito ndalama zogulira inshuwalansi zaumoyo kuti mupeze ndalama zosagwiritsidwa ntchito zomwe mwasankha.
Mutakhala ndi ndalama zamwezi pamakonzedwe anu a Obamacare omwe mumasankha komanso inshuwalansi ya ntchito yanu, mwakonzeka kupita ku gawo lachinayi.
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Khwerero 4-Yerekezerani Ndalama ya Obamacare Vs Inshuwalansi ya Umoyo Wa NtchitoSankhani Zochita Zabwino
Mukapeza kuti mutha kulipira mwezi uliwonse pa inshuwalansi ya ntchito yanu komanso za mapulani a Obamacare mukuzifanizira, mwatsala pang'ono kuchita. Ngati ndondomeko imodzi imakhala yotsika mtengo kwambiri kusiyana ndi ena, popeza kuti zonsezi ndizofunika kwambiri, ndondomeko yotsika mtengo ndi yomwe imakupatsa ubwino wabwino wa buck wako. Sankhani ndondomeko ya inshuwaransi yaumoyo ngati mukufunafuna ntchito yabwino.
Ngati Obamacare ndi Inshuwalansi Zaumoyo za Job Ndizo Zopindulitsa
Ngati mtengo wanu pa zolinga zonse uli wofananako, ndiye mutha kukhazikitsa chisankho chanu pa dongosolo la thanzi lomwe mumakonda kwambiri. Ganizirani zabwino zoyenera pa zosowa zanu pakuyang'ana
- Mtundu wa dongosolo la thanzi.
- Momwe kugawira mtengo kulilimbidwa.
- Mapulogalamu othandizira azaumoyo.
- Mapulani a mankhwala a formulary .
- Mapulani a zaumoyo ndi malingaliro okhutira.
Ngati mukufuna ufulu wotuluka kunja kwa intaneti ndipo mukukonzekera kubweza zina zomwe mukuchita, ganizirani PPO kapena ndondomeko ya POS. Ngati simukumbukira kukhala pa intaneti kuti musamalipire ndalama, HMO kapena EPO ikhoza kukuthandizani. HMO, PPO, EPO & POS-Kodi Kusiyanasiyana ndi Chiyani Koposa?
Ngati mulibe ndalama kapena simungakwanitse kulipira deductible yaikulu, ndondomeko yaumoyo yokhala ndi ndalama zapansi koma ndalama zapamwamba kapena ndalama zothandizira ndalama zingakupangitseni kukhala omasuka.
Ngati muli ndi mtima wofuna kusamalira dokotala wanu wamakono kapena katswiri, fufuzani chithandizo cha aliyense wothandizira zaumoyo. Musanayambe kukonza mapulogalamu anu a PCP ali pa intaneti , funsani ofesi ya dokotala kuti atsimikizire kuti akadakali pa intaneti ndi dongosolo la thanzi lawo ndipo sakukonzekera kuchoka pa intaneti yake nthawi iliyonse posachedwa.
Ngati mutenga mankhwala opatsirana pogwiritsa ntchito mankhwalawa, yang'anani mankhwala a mankhwalawa kuti muwonetsetse kuti mankhwala anu a mankhwalawa akuphimbidwa. Mankhwala Ogwiritsa Ntchito Mankhwala Osagwiritsira Ntchito Mankhwala Osagwiritsa Ntchito Mankhwala Osokoneza Bongo. Nanga Tsopano?
Potsirizira pake, yang'anirani khalidwe ndi kukwanitsa mapulani azinthu zamaganizo zomwe mukuganiza. Mungathe kuchita izi ndi makadi a lipoti la zaumoyo omwe alipo pa webusaiti ya National Committee for Quality Assurance's website. Zinthu zina zonse zimakhala zofanana, ngati wina ali ndi ziwerengero zabwino pomwe wina ali ndi zifukwa zabwino, chisankho chidzakhala chosavuta.