Zinthu Zodabwitsa Zomwe Sizinachitike ndi Inshuwalansi Zaumoyo

Zomwe sizinaphimbedwe ndi inshuwalansi ndizofunika kwambiri monga zomwe zilipo.

Mwina simukuzindikira kuti zinthu izi sizikugwiritsidwa ntchito ndi inshuwalansi. Kupeza kuti umayenera kulipira ngongole yaikulu ya zamankhwala yomwe umaganiza kuti inshuwalansi ya moyo wako ikhoza kulipira kungakhale kodabwitsa kwambiri. Nazi zomwe muyenera kuziyang'anira.

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Kuswa Chilamulo

Inshuwalansi ya thanzi lanu silingathe kulipira ndalama zothandizira zaumoyo inu munayamba kuchita chinachake choletsedwa. Zodziwika kuti ndizoletsedwa, ngati inshuwalansi yanu ili ndi imodzi, zikutanthawuza kuti simungasungidwe chifukwa cha ndalama zothandizira zaumoyo chifukwa chochita nawo zoletsedwa.

Kulipira ndalama zowonongeka kwa chipinda cha $ 2,000 pamene utenthedwa kuyatsa grill pa picnic? Zili choncho.

Pezani ndalama zokwana madola 200,000 kuchokera kuchipatala chowopsa chowotcha chitetezo mutatha kuvula tsitsi lanu pamoto wa cocaine. Ngati inshuwalansi ya umoyo wanu ikutsutsidwa, lamuloli lidzabwera kwa inu.

Ena amanena kuti palibe malamulo oletsedwa, ndipo maiko ambiri amaletsa olemba inshuwalansi kuti asamayesere zolemba zosagwirizana ndi munthu yemwe ali ndi inshuwalansi mothandizidwa ndi mankhwala osokoneza bongo komanso / kapena mowa. Mutha kufunsa dipatimenti ya inshuwalansi m'dzikolo kuti mudziwe zambiri ngati a inshuwalansi amaloledwa kukana kufotokozedwa pazinthu zomwe zikuphatikizapo zoletsedwa.

> Zotsatira:

> Reger, Alex. Connecticut Office of Legislative Research. Malamulo Osagwirizana ndi Malamulo ndi Mankhwala Osokoneza Bongo ndi Mowa Osaphatikizidwa mu Malamulo a Inshuwalansi . August 1, 2016.

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Katemera Wokwerera

Kupeza nsapato musanapite kutchuthi kwanu yachilendo? Inshuwalansi ya umoyo wanu sungathe kulipira katemera wanu. Ngakhale kuti inshuwalansi za inshuwalansi zazing'ono zomwe sizinapitirirepo zimaphimba katemera zomwe nthawi zonse zimalimbikitsidwa kuti zisawonongeke ku US, katemera wa matenda otentha omwe sali vuto limene mukukhala mwina sungaphimbidwe ndi inshuwalansi ya umoyo wanu.

Mukufuna kutemera tetanasi chifukwa mumadula munda wanu kumbuyo? Ndalamayi mwina ndi yotetezedwa ndi inshuwalansi ya umoyo wanu.

Mukufuna katemera wa chikasu kuti muthe kukwera mumtsinje wa Amazon? Khalani wokonzeka kulipira nokha.

Kodi Mungapeze Bwanji Katemera Wodzichepetsa kwa Okalamba?

> Zotsatira:

> Zolinga za Kuletsa ndi Kuteteza Matenda. Otemera Katemera ndi Zaka.

> HealthCare.gov. Ubwino wa Zaumoyo ndi Mapindu. Ntchito Zothandizira Zaumoyo.

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Kuvomerezedwa Kwambiri Musanatsimikizidwe Kulipidwa ndi Inshuwalansi ya Zaumoyo

Kodi mukuganiza kuti kulandira kampani yanu yothandizira inshuwalansi kwa MRI, CT scan kapena ndondomeko yamtengo wapatali, imaphatikizapo kuti kampani ya inshuwalansi inavomereza kuti ipepetse ndalamazo? Ganizirani kachiwiri.

Makampani ambiri a inshuwalansi a zaumoyo amafunikira chisanayambe chithandizo asanayambe kuyesa mtengo kapena ndondomeko yamtengo wapatali. Koma, chifukwa kampani yanu ya inshuwalansi isanavomereze mayesero sakutanthauza kuti kampani yanu ya inshuwalansi idzalipire .

Zolinga zam'mbuyomu zimaphatikizapo chiganizo chomwe chimachitika monga chonchi: "Lamuloli sizitsimikizo za kulipira. Kupindula ndi chithandizochi ndizofunikira kufunika kwachipatala komanso kuyenerera kwa membala. "Izi zikutanthauza ngati kampani ya inshuwalansi imasankha pambuyo podziwa kuti kuyesa mtengo kapena ndondomeko yosafunika sikunali kofunikira, ikhoza kukana kulipira ngongole ngakhale kuti idagonjetse mayeso kapena ndondomeko.

Momwe Mungapezere Kupititsa patsogolo Pomwe Kuvomerezedwa Kuvomerezedwa

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Mkhalidwe Wovomerezeka wa Chipatala: Mkhalidwe Wowonetsera vs. Vuto la Odwala

Inshuwalansi ya umoyo wanu sungakhoze kulipira kuchipatala chanu ngati mutaloledwa kukhala wopita kuchipatala koma kampani yanu ya inshuwalansi ikuganiza kuti mukuyenera kukhala mukuyang'ana .

Mukaikidwa kuchipatala, mumapatsidwa udindo. Ziwirizi ndizokhala ndi matenda osakanikirana ndi odwala.

Odwala amaonetsetsa kuti ndi odwala, ngakhale kuti amatha kukhala m'chipinda cha chipatala usiku wonse kapena ngati akudwala. Kawirikawiri, ngati dokotala akuyembekezerani kuti mukhale kuchipatala kudutsa pakatikati pawiri, kukhala kwanu kudzaonedwa ngati osachiritsika. Koma simungadziwe kuti ndi udindo wotani kupatula ngati mutapempha.

Chikhalidwe chanu chololedwa ndi chofunika kwambiri pa thumba lanu . Ngati kampani yanu ya inshuwalansi kapena Medicare ikulingalira kuti muyenera kukhala mukuyang'anapo pamene inu munavomereza kuti muli ndi matenda odwala, kampani ya inshuwalansi ikhoza kukana kulipira ngongole ya chipatala.

Mchitidwe wonyansa, kuwunika ndi zolakwika zapachipatala zimalola makampani aza inshuwalansi ndi Medicare kukana kulipira ngongole. Adzadandaulira kuti chipatala sichikuphimbidwa ndi inshuwalansi yachipatala chifukwa chipatalacho chinaphwanya malamulo ndikuvomereza kuti mulibe vuto.

Pa mbali ya flip, ngati inu mwayikidwa muyang'anani, popeza ndinu odwala, mukhoza kukhala ndi udindo wochulukirapo kuposa momwe mungakhalire odwala. Ntchito zapakati pafupipafupi zimaphatikizapo ndalama zothandizira ndalama komanso sizingagwirizane ntchito pamodzi. Choncho, mungadzipeze nokha kupereka ndalama zokwanira 20% pazoyezetsa magazi, x-ray, jekeseni, thandizo la Band, ndi mankhwala omwe munalandira pamene mudali m'chipatala monga wodwalayo.

Ngakhale kulipira kwa ndalama zomwe mumagwiritsa ntchito popita kuchipatala kungaoneke ngati kwakukulu kwambiri, ganizirani kawiri musanatsutsane ndi malo odwala. Wothandizira inshuwalansi akhoza kukana chipatala chonse chopanda kuchipatala ngati chimaonetsetsa kuti chisamaliro chiyenera kuperekedwa kuchipatala chokhalitsa kuchipatala m'malo mochira.

Koma ngati mukufunikira kukhala ndi malo osungirako anzeru atachoka kuchipatala, Medicare idzangotenga ngati mutatha masiku atatu kuchipatala ngati wodwala asanayambe kupita kuchipatala . Nthawi yomwe amagwiritsidwa ntchito kuchipatala monga momwe akuwonera sizimayendera masiku a chipatala omwe amafunika kuti ayambe kulandira chithandizo cha Medicare kwa malo osungirako odziwa luso.

Phunzirani zambiri za momwe amawonera, momwe machitidwe owonetsera amathandizira, ndipo chifukwa chake zimakhala zambiri.

> Zotsatira:

> Magulu a Medicare ndi Medicaid Services. Zolemba Zenizeni: Ulamuliro Wawiri-pakati pa usiku. July 2015.

> Medicare.gov. Thandizo Lothandizira Odwala.

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Care Care Home

Ganizirani inshuwaransi yanu ya mankhwala kapena Medicare mudzalipira malo osungirako anthu okalamba pamene simungathe kudzisamalira nokha? Ganizirani kachiwiri.

Palibe Medicare kapena makampani a inshuwalansi yaumwini omwe amapereka chithandizo cha nthawi yaitali. Muyenera kulipira nyumba yanu yosungirako anthu okalamba, kuthandizira malo ogona, kapena chithandizo chaumoyo wa kunyumba nokha ngati mulibe inshuwalansi ya nthawi yaitali .

Izi sizikutanthauza kuti Medicare ndi makampani a inshuwalansi azaumoyo sangathe kulipira nyumba yosungirako anthu okalamba. Ndipotu, Medicare ikhoza kubweza ndalama zothandizira anthu omwe akugwira ntchito yosungirako anthu okalamba nthawi yayitali (poganiza kuti mwakhala masiku osachepera atatu m'chipatala musanapite ku chipatala cha anzeru). Koma, sizingapereke ndalama zothandizira nthawi yayitali.

Mfungulo apa ndi chifukwa chake mukusowa nyumba yosungirako okalamba. Ngati cholinga cha nyumba yosungirako anthu okalamba ndi kukonzanso, mwa kuyankhula kwina, ngati mukuyesera kubwezeretsanso luso muli ndi mwayi wokhalanso, ndiye kampani yanu ya inshuwalansi ya zaumoyo ikhoza kubweza nyumba ya okalamba kwa kanthawi kochepa. Mwachitsanzo, mukhoza kuloledwa kumalo osungirako okalamba mukakhala ndi matenda opatsirana pogwiritsa ntchito mankhwala amphamvu, ntchito, ndi kulankhula kuti muthe kuphunzira momwe mungayimire pa malo okhala, kudyetsa nokha, ndi kutsuka mano.

Ngati cholinga cha nyumba yosungirako anthu okalamba ndi kukhala mosamala basi (mwachitsanzo, kuthandiza ndi ntchito za tsiku ndi tsiku, m'malo moyesera kubwezeretsa luso ndi kubwerera kunyumba kwanu), ndiye kuti nyumba yanu yosungirako okalamba siikhala ndi inshuwalansi.

Pali zosiyana ziwiri zosiyana. Medicaid, ndondomeko ya inshuwalansi ya boma ku boma kwa anthu osauka kwambiri, imapereka anthu omwe ali ndi ndalama zochepa zosamalira anthu osauka popanda malipiro awo. Komanso, mapulogalamu ambiri ogwira ntchito kuchipatala amapereka mwayi wosamalira anthu okalamba kunyumba kapena kuchipatala chachipatala. Koma, popeza ntchito zothandizira anthu ogwira ntchito kuchipatala ndi za anthu odwala omwe ali ndi nthawi yokhala ndi moyo wosakwana miyezi isanu ndi umodzi, simungathe kutero kwa nthawi yayitali ngati mukuyenerera.

Cholinga cha Care Act chinaphatikizapo ndondomeko yotchedwa CLASS Act (Community Living Assistance Programs) ndi zomwe zimathandiza kuti anthu azilembetsa pulogalamu ya anthu yomwe idzapindulitse phindu la kusamalira nthawi yaitali. Komabe, kugwa kwa 2011, chaka chimodzi ndi theka pambuyo poti ACA yakhazikitsidwe, boma la federal linathetsa CLASS Act pakati pa nkhaŵa kuti sangakhale ndi ndalama zanthawi yaitali.

Kwa nthawiyi, anthu ali ndi njira zitatu zomwe angasankhe kuti azitha kulandira chithandizo kwa nthawi yaitali: Angagwiritse ntchito chuma chawo chonse, panthawi yomwe angakwanitse kupeza chithandizo cha Medicaid, kapena angathe kugula ndondomeko yachinsinsi yachithandizo cha nthawi yayitali, kapena iwo angadalire payekha ndalama kuti azipeza ngongole zomwe angakhale nazo nthawi yaitali. Kudalira thanzi ya inshuwalansi (kupatula Medicaid), komabe sikugwira ntchito.

> Zotsatira:

> Kaiser Family Foundation. Kusintha kwa zaumoyo ndi CLASS Act . April 2010.

> Medicare.gov. Medicare Yanu-Njira Yosamalira Nthaŵi Zonse.

> Medicare.gov. Mankhwala Anu Othandiza Amwino Amwino.