Panthawi yotsegulira osankhidwa, sankhani njira yabwino kwambiri yaumoyo yoyenera kwa inu ndi banja lanu
Ngakhale kuti mukuganiza kuti ndi ndani yemwe angasankhe voti mu November, muyenera kuyang'anitsitsa kusintha kwa inshuwalansi ya umoyo wanu. Makampani ambiri amapereka ndondomeko yambiri yaumoyo yomwe ingakhale ndi zosiyana ndi zofunikira, ndipo nthawi ya kulembetsa kwa olemba ntchito yanu ndi mwayi wanu kusintha kusintha kwanu.
Kutsegula koyamba kumachitika kumapeto kwa chaka chilichonse cha kalendala komanso makampani ambiri amangokhala kamodzi kapena kawiri kwa masabata awiri okha. Ngati mwaphonya kulembetsa kwa chaka chilichonse kwa kampani yanu, simungathe kulembetsa ndondomeko yaumoyo wa abwana anu-kapena musinthe kusintha komwe mukupezekako kwa chaka china.
Yang'anani ndi dipatimenti ya azinthu za kampani yanu kuti mudziwe ngati nthawi yanu yolembera ikuyamba ndi kutha, ndipo ngati inshuwalansi ya umoyo wanu ikuyamba kugwira ntchito. Kawirikawiri, kulembetsa kumachitika pafupi kumapeto kwa chaka, ndi kusintha konse kukonzekera, kulembetsa, kulembetsa malipiro opambana pa January 1 a chaka chomwe chikudzacho. Koma izi sizili choncho nthawi zonse, choncho kawiri kawiri kafukufuku kuti mukhale wotsimikiza ( kulembetsa kuti nthawi yolembera payekha imayamba pa November 1 chaka chilichonse , ndipo nthawi yolembera ya Medicare Advantage ndi Medicare Part D imayamba pa 15 Oktoba chaka chilichonse , koma ndondomeko zogwiritsidwa ntchito ndi abwana ali ndi ndandanda zosiyana zolembera).
Kusankha Gawo la Umoyo pa Kulembetsa Otsegula
Onetsetsani kuti muyang'ane mosamala pazomwe mungasankhire zomwe mungachite kuti mutha kusankha zomwe mukufuna ndi banja lanu. Anthu ambiri amasankha ndondomeko yomwe imakhala yochepa kwambiri pa malipiro awo - ndondomekoyi ndi malipiro apamwamba kwambiri. Komabe, izo sizingakhale zabwino kwambiri kwa inu.
Gwiritsani ntchito nthawi yopanga homuweki!
Kampani yanu ikuyenera kukupatsani zida zolemba zomwe zimapindulitsa. Olemba ambiri amapereka misonkhano yopanga mapulogalamu opindulitsa kumene mungathe kufunsa mafunso pazomwe mungasankhe. Ngati simudziwa inshuwalansi yanu, funsani thandizo kukumbukira, mutapanga chisankho, simungasinthe zolinga mpaka chaka chamawa.
Kumvetsetsani mfundo za inshuwalansi zaumoyo
Ngati simukumvetsa mawu a inshuwalansi, zikhoza kukuchititsani zambiri chaka chomwe chikubwera. Zinthu zina zofunika kuziphunzira ndi:
- Kodi kusiyana kotani pakati pa ndalama ndi coinsurance ?
- Kodi ndi ndalama zotani zomwe zimaperekedwa chaka ndi chaka ndipo zingakhudze bwanji ndalama zomwe mumalandira mwezi ndi mwezi ndi ndalama zomwe simukuzigwiritsa ntchito ?
- Kodi chithandizo ndi chiyani chomwe chikuchitika ngati mutagwiritsa ntchito dokotala yemwe sali pa intaneti ?
- Kodi kusiyana pakati pa PPOs, EPOs, ndi HMO ndi chiyani?
Fufuzani ndalama zomwe munagwiritsira ntchito kuchipatala chaka chatha
Bweretsani chithandizo cha mankhwala ndi zomwe banja lanu linagwiritsa ntchito chaka chino ndikuganiza za kusintha kwa chithandizo chamankhwala omwe mungafune m'chaka chomwecho. Mwachitsanzo, kodi mukukonzekera kukhala ndi mwana kapena mwinanso m'banja mwathu mwapezeka kuti muli ndi matenda aakulu monga shuga?
Onetsetsani kuti ngati Osowa Thandizo Lanu Amavomereza Anu Inshuwalansi
Musanati mudzaze mapepala kuti musinthe ndondomeko, tsimikizirani kuti dokotala wanu, namwino, ndi chipatala ali mbali ya mgwirizano wa dongosolo la thanzi lomwe mukusankha. Malinga ndi komwe mukukhala, opereka anu sangakhale pa intaneti ngati mutasintha kampani yanu ya inshuwalansi kapena mukusintha njira ina yaumoyo. Pachifukwachi, nkofunika kuwona kuti opereka anu akadali mu-intaneti ngakhale mutasankha kusunga zomwe mukupeza panopa popeza opereka chithandizo angabwere kuchokera ku inshuwalansi pa nthawi iliyonse.
Zinthu 5 Zomwe Muziyang'anira pa Nthawi Yoyenera Kulembetsa
Olemba ntchito akuyesera kusunga ndalama, makamaka ngati mtengo wa chithandizo chamankhwala ukupitiriza kukwera kwake kosatha. Njira imodzi yochitira izi ndi kuchepetsa ubwino wothandizira inshuwalansi (mwachitsanzo, zopereka zapamwamba zowonjezera ndalama, ndalama zowonjezera, komanso ndalama zonse zogulitsa) komanso / kapena kusintha ndalama zambiri kwa antchito. Onetsetsani kuti muwerenge mosamala mapulani anu azaumoyo, momwe mungapeze kuti mapindu anu ndi ndalama zanu zidzasintha kwa chaka chomwe chikubwera.
- Onetsetsani kuti ngati odwala anu - okwatirana, okondedwa, ndi ana - akuphimbidwa. Pansi pa ACA, onse ogwira ntchito (50 kapena kuposa ogwira ntchito) amafunika kupereka chithandizo kwa antchito a nthawi zonse ndi ogonjera awo, koma safunikanso kupereka chithandizo kwa okwatirana. Mapulani ambiri omwe amagwiritsidwa ntchito ndi apabanja akupitirizabe kupezeka kwa okwatirana, koma madola owonjezera amathandiza nthawi zina , kotero onetsetsani kuti mumvetsetsa momwe dongosolo la abwana anu lidzakhudzira mamembala anu.
- Onaninso zofunikira zonse zogwirizana ndi zofuna zanu. Ndipo ngati ndondomeko ya thanzi la bwana wanu yayamba kubadwa, dziwani kuti palibenso zofooka zomwe zakhalapo kale pa ndondomekoyi. Pansi pa chithandizo chamankhwala chothandizira (malingaliro othandizira kusintha kwaumoyo), ndondomeko zaumoyo zothandizira olemba ntchito sizingapangitse kuti pakhale nthawi yoyembekezera, koma izi sizikugwirizana ndi zolinga za abambo. Kotero ngati ndondomekoyo itabadwa kale ndipo mwakhala mukulephera kufotokozedwa musanalowe kulembetsa, samverani malamulo pa nthawi yodikira kuti zikhalepo kale.
- Ngati mutenga mankhwala oyenera, onetsetsani kuti mulibe mankhwala ovomerezeka (chithandizo cha mankhwala) (kapena ndondomeko, ngati pali njira zambiri) abwana anu amapereka. Komanso, ngati mutenga mankhwala otchuka kwambiri, pezani kuchuluka kwa ndalama kapena ndalama zothandizira mankhwala pamagulu onse omwe alipo.
- Ngati inu kapena munthu wina aliyense m'banja mwanu akufunikira chithandizo chamankhwala nthawi zonse kapena ali ndi vuto la thanzi labwino lomwe limafuna kuchiza, yang'anani zomwe dongosolo lanu la thanzi lidzachita ndipo silidzaphimba. ACA imafuna kuti gulu limodzi ndiloling'ono likukonzekeretse kuti phindu lonse la thanzi likhale lofunika , koma lamuloli silikukhudzana ndi mapulani a gulu lalikulu, kotero kumvetsetsa zoperewera za ndondomekoyi.
- Onetsetsani kuti inu ndi banja lanu muli ndi zofunikira zokwanira zoopsa ngati mukuyenda ku US kapena kudziko lina.
Zotsatira za Ntchito Yopindulitsa Yothandiza pa Zopindulitsa Zanu
Zowonjezerapo zina za Mtengo wa Care Affordable zimakhudza inshuwalansi ya thanzi la gulu. Kusintha kumeneku, komwe muyenera kudziwa panthawi yosankha ndondomeko yaumoyo yoperekedwa ndi abwana anu, kuphatikizapo:
- Mukhoza kusunga ana anu akulu pa ndondomeko yanu ya thanzi kufikira atakwanitsa zaka 26.
- Zolinga za moyo pa inshuwalansi ya umoyo siziloledwa.
- Malire apakati pachaka amaletsedwanso, koma lamuloli silikugwirizana ndi zolinga za abambo. Kotero ngati ndondomeko ya abwana anu idabadwira, yang'anani kuti muwone ngati ili ndi malire apachaka.
- Pali malire apamwamba pa zowonjezereka zowonetsa kuti malingaliro azaumoyo angathe kukhala nawo, ngakhale kuti malamulowa sagwiritsidwe ntchito pazinthu zazikuru kapena zazikulu.
Malangizo Ena Ochokera kwa Dr. Mike
Kawirikawiri, ngati mutapereka malipiro apamwamba, ndalama zanu za pachaka komanso zopereka ndalamazo zidzakhala zochepa. Choncho, mungafunike kulingalira ndondomeko yokhala ndi mapepala apamwamba komanso ndalama zochepa zogwiritsira ntchito pothandizira ngati mukuyembekeza kugwiritsa ntchito ntchito zambiri zothandizira zaumoyo m'chaka chomwecho. Ndipo, ngati ndinu wachinyamata komanso wathanzi ndipo mulibe ana, mungasankhe kukonzekera mapepala apansi komanso ndalama zowonjezera.
Koma kuwukira uku sikuli koona nthawi zonse-nthawi zina mumatuluka patsogolo pazomwe mumagwiritsa ntchito ndondomeko ya ndalama zapansi, ngakhale ndalama zowonjezera, ngakhale mutatha kukwaniritsa zonse malire a mthunzi wa chaka.
Ngakhale ndondomeko yanu yothandizira ntchito yanu ndi yotsika mtengo ndipo imapereka chithandizo chabwino, mutha kutuluka ndikugulitsa pafupi. Lankhulani ndi wothandizira inshuwalansi mdera lanu kapena onani zolinga zomwe zilipo pa HealthCare.gov. Ngati bwana wanu akupereka inshuwalansi ya mtengo wapatali yomwe imapereka mtengo wapatali, simungayenere ndalama zothandizira ndalama (premium tax credits) mukusinthana. Koma malinga ndi ndondomeko yomwe abwana anu amapereka, kaya abwana anu akuphatikizapo gawo lapadera la mamembala awo, komanso kuti ndi chithandizo chamankhwala chotani chomwe mukuyembekeza kugwiritsira ntchito, ndizotheka kuti ndondomeko yomwe idagulidwa pa msika wina aliyense ikhoza kukhala yothandiza, kotero nthawi kuti muwone.
Ngati mukufuna kuphunzira zambiri za ndondomeko zaumoyo zomwe abwana anu angakupatseni kapena ngati simukukhutira ndi mayankho a mafunso anu panthawi yolembera, funsani dipatimenti ya inshuwalansi ya boma lanu. Mauthenga anu a pa intaneti ayenera kuphatikizapo nambala ndi mitundu ya madandaulo omwe anapangidwa zokhudzana ndi thanzi labwino lomwe likuloledwa m'dziko lanu.