Odwala Angakhale ndi Njira Zambiri Zopeza Inshuwalansi Yaumoyo M'malo Momwe Akuganizira
Kodi mungatsimikizire bwanji kuti chithandizo changa chimene ndikuchifuna chikuphimbidwa ndi inshuwalansi yanga yaumoyo ? Dziwani inshuwalansi yanu, kumvetsetsa zomwe mungachite ndikukambirana ndi dokotala wanu.
"Anthu amapanga lingaliro ngati dokotala akulamula, lidzaphimbidwa," anatero JP Wieske wa bungwe la Affordable Inshuwalansi, malonda a inshuwalansi.
Madokotala amawona chikhalidwe chanu mwa njira zamankhwala, komabe, osati chifukwa cha inshuwalansi.
Popeza amawona odwala omwe ali ndi othandizira osiyanasiyana, nthawi zambiri samadziwa zachitukuko chimene chimaperekedwa ndi kampani inayake kapena ndondomeko yomwe odwala ali - kapena ayenera kukhala.
Mapulogalamu a inshuwalansi amayendetsa anthu ochulukirapo, zinthu zowonongeka ndizomwe zimagwiritsidwa ntchito pazochitika zachipatala kwa odwala ambiri. Odwalawo ali ndi njira zina - ndizopambana zambiri - pokambirana za ndalama zothandizira komanso zothandiza kuposa momwe ambiri akudziwira.
Ndalama Yogwira Ntchito Yopindulitsa Imakhudza Zochita
The Affordable Care Act, yomwe inakhazikitsidwa mu 2010 (makamaka yomwe inakhazikitsidwa mu 2014) inapanga kusintha kwakukulu kwa malamulo okhudzana ndi inshuwalansi ya umoyo, makamaka m'misika yamagulu ndi aang'ono.
Pansi pa malamulo atsopano, ndondomeko zaumoyo sizingathetsepo kale zomwe zilipo kale kapena zimagwiritsanso ntchito nthawi yoyenera kuyembekezera nthawi (kuyembekezera kuti lamuloli silikugwiritsidwa ntchito kwa agogo aamuna kapena abambo omwe ali nawo malonda - mtundu umene mumagula nokha, kusiyana ndi kupeza Wogwira ntchito - koma palibe amene adatha kulembetsa ndondomeko ya malonda kuchokera ku March 2010, kapenanso pokonzekera malonda kuchokera kumapeto kwa chaka cha 2013).
Kotero ngati mukulembera ndondomeko ya abwana anu kapena kugula ndondomeko yatsopano pamsika, simukusowa kudandaula kuti mudzakhala ndi nthawi yodikira kapena kuchotseratu chikhalidwe chanu.
Kuonjezera apo, ndondomeko zonse zomwe sizinachitikepo ziyenera kufotokoza ndondomeko yeniyeni yothandizira chisamaliro chopanda maliro (mwachitsanzo, simukuyenera kulipira china chilichonse kusiyana ndi malipiro anu), ndi onse osakhala nawo, Gulu la azimayi aang'ono komanso magulu ang'onoang'ono akuyenera kuwonanso zopindulitsa zamagulu a ACA popanda malipiro a dola.
Zolinga zonse - kuphatikizapo ndondomeko zazikulu - zidaletsedwa kugwiritsa ntchito moyo wosatha phindu pazofunikira zathanzi. Magulu akuluakulu sakuyenera kuwona ubwino wa thanzi, komanso ngakhale abambo omwe ali ndi abambo kapena agogo aang'ono omwe akukonzekera. Koma malinga ndi momwe amapezera phindu la thanzi labwino, sangathe kudula malire anu panthawi inayake chifukwa cha mphotho ya moyo wanu wonse (mapulani omwe angakhale nawo angakhalebe ndi ndalama zopindulitsa pachaka phindu la thanzi labwino).
Zonsezi zikuthandizira kuti anthu asakhale ndi zifukwa zochepa zotsutsa zomwe adzichita kale. Koma palibe ndondomeko yophimba chirichonse. Ogwiritsira ntchito akutsutsabe pempho lovomerezedwa kale ndi zomwe akutsutsa zimakanidwabe. Pomalizira pake, aliyense wa ife akuonetsetsa kuti timvetsetsa zomwe ndondomeko yathu ikuphimba, zomwe sizikuphimba, komanso momwe angaperekere ngati munthu wothandizira inshuwalansi sakuphimba chinachake.
Zimene Muyenera Kuchita Pamene Ndondomeko Kapena Mayeso Sindikuchitika
Funsani za njira zina: Kodi mayeso kapena mankhwala omwewo akugwiritsidwa ndi inshuwalansi akhale ogwira mtima ngati omwe sali?
Lankhulani ndi ofesi ya dokotala: Ngati mutha kulipira m'thumba chifukwa ndondomekoyi siinakumbidwe ndi inshuwalansi, kambiranani ndi ofesi ya dokotala kuti muwone ngati mungatengeko.
Nthawi zambiri mumakhala bwino kulankhula ndi ofesi ya ofesi kapena wogwira nawo ntchito kusiyana ndi wodwala. Kupambana kumakhala kovuta kwambiri ngati mutayankhula ndi munthu payekha, osati pa foni, ndipo musayankhe yankho pa ulendo woyamba, malinga ndi National Endowment for Financial Education.
Pemphani munthu wothandizira inshuwalansi : Funsani dokotala wanu kuti adziwe njira zamalonda zomwe mwafunsidwa, ndipo fufuzani kafukufuku wa kampani yanu ya inshuwaransi. Ngati ndondomeko ya thanzi lanu siinali yambiri (mwachitsanzo, idakhazikika pambuyo pa March 23, 2010), Bungwe Lophatikizira Care Act likufuna kuti likhale ndi malamulo atsopano a ndondomeko ya ndondomeko ya mkati ndi kunja.
Fufuzani mayesero a zachipatala: Ngati ndinu oyenerera ku mayeso a zachipatala, othandizira awo angapereke mtengo wa mayesero ambiri, njira, malamulo ndi maulendo odwala. Kampani yanu ya inshuwalansi ikhoza kukana kufotokozedwa kwa mayesero a kachipatala, koma sangakuchitireni tsankho chifukwa chochita nawo chidziwitso cha mankhwala, ndipo muyenera kupitirizabe kuonetsetsa kuti mukusamalira nthawi zonse (mwachitsanzo, chisamaliro chosasanthula) pamene mukugwira nawo ntchito kuchipatala mayesero. Zofunikira izi ndi gawo la Affordable Care Act. Pambuyo pa 2014, pamene ACA inasintha malamulo, mabungwe a inshuwalansi m'mayiko ambiri akhoza kukana kufotokozera zonse pamene wodwala akuyesa kulandira mankhwala. Izi siziloledwanso, chifukwa cha ACA.
Pezani yankho lachiwiri: Dokotala wina akhoza kupatsa mankhwala ena, kapena iye angatsimikizire malangizo a dokotala wanu wamkulu. Ambiri ogulitsa inshuwalansi amalipira malingaliro awiri koma ayang'aneni ndi anu kuti awone ngati njira iliyonse yapadera iyenera kutsatiridwa. Dokotala wanu, mabwenzi odalirika kapena achibale anu, zipatala zophunzitsa ku yunivesite ndi mabungwe azachipatala angakupatseni mayina a akatswiri azachipatala.
Ngati zina zonse zikulephera, fotokozerani ndondomeko ya malipiro: Ngati mankhwalawa ndi ofunikira komanso osaphimbidwa ndi inshuwalansi, funsani dokotala wanu kuti azigwira ntchito nanu kulipira ngongoleyi kwa nthawi yaitali.
> Zotsatira:
> Magulu a Medicare ndi Medicaid Services. Pulogalamu ya Odziwitsa Anthu ndi Kuyang'anira Inshuwalansi. Zopanda Thandizo Labwino Makhalidwe Athu FAQ-Wakhazikitsa 15.
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Mapulani a Thanzi Lokuthandizani.
> HealthCare.gov. Health Insurance Inshuwalansi ndi Kuteteza. Mapulani a Zaumoyo Ambiri.
> Msonkhano Wadziko Lonse wa Malamulo a Boma. Malamulo a Inshuwalansi Ovomerezeka Amapindulitsa ndi Malamulo a boma. Idasinthidwa December 2015.