Momwe mungapezere inshuwaransi yaumoyo pambuyo polembetsa kulembetsa

Kampani

Tsegulani zolembetsa ku Msika Wamsika Wa Inshuwaransi Yaumoyo imayamba kuyambira Novembala 1 mpaka Disembala 15 pachaka. (Maiko angapo, m'mbuyomu, adakulitsa nthawi yomaliza yapitayo Disembala 15.) Pakati pa milungu isanu ndi umodzi, makasitomala amapatsidwa mwayi wolembetsa chithandizo chamankhwala chatsopano, kusintha mapulani awo azaumoyo kukhala ena, ndi / kapena pemphani thandizo la mtengo. Mapulani omwe adalembetsa nthawi imeneyo amayamba pa Jan. 1 chaka chamawa.

Popeza mamiliyoni aku America afunsira ntchito yopanda ntchito chifukwa cha MATENDA A COVID-19 mliriwu, anthu ambiri akukumana ndi vuto linanso: kutaya inshuwaransi yawo yazaumoyo. Ngati simulandiranso zithandizo zamankhwala, nayi njira yopezera inshuwaransi yaumoyo mutatha kulembetsa.

Kodi mungalembetse inshuwaransi yaumoyo kunja kwa kulembetsa?

Ndikothekanso kupeza inshuwaransi yazaumoyo kapena kusintha mapulani anu Msika pambuyo polembetsa pokhapokha mutakumana ndi chochitika chimodzi chamoyo chomwe chingayenerere Nthawi Yolembetsa Mwapadera .

Ndikofunika kudziwa kuti mwina simukuyenera kulandira thandizo la mtengo ngati mukulembetsa ku chiphaso chaumoyo pambuyo pa nyengo yolembetsa yotseguka pachaka . Anthu omwe sangakwanitse kufalitsa mu 2020 kudzera mu Nthawi Yolembetsa Yapadera amatha kulembetsa inshuwaransi yazaumoyo nthawi zonse Kulembetsa kotseguka kwa ACA kwa 2021 kuyambira Novembala 1, 2020.

Medicare ilinso ndi mndandanda wazomwe zikuyenera kukhala ndi Nthawi Yolembetsa. Komabe, pokhapokha mutakhala ndi ndalama zochepa (kuyenerera pulogalamu ngati Medicaid, Medicare Savings Program, kapena Part D Zowonjezera Thandizo), kulembetsa mochedwa ku gawo lililonse la Medicare B kumatha kubweretsa chiwongola dzanja chachikulu, malinga ndi mankhwala . Ngati mukuyenerera kukhala ndi limodzi mwa mapulogalamu omwe mumalandira ndalama zochepa, mutha kukulitsa kuyenerera kwanu magawo ena a Medicare, kunja kwa nthawi yolembetsa yomwe tafotokozayi.

Momwe mungapezere inshuwaransi yaumoyo mutatha kulembetsa

Ngati mukufuna kulembetsa nawo inshuwaransi yaumoyo tsiku lomaliza litatha, Nazi njira zingapo:

1. Msika Wapadera Wolembetsa Msika

Chochitika chamoyo choyenerera pa Nthawi Yolembetsa Yapadera chimatanthauzidwa ngati:

• Kusintha kwamabanja (banja / chisudzulo, kukhala ndi mwana wakhanda, kapena zina zotero)
• Kusintha kokhala
• Kutayika polemba
• Kukhala nzika ya U.S.
• Kukhala membala mu fuko kapena mbiri yovomerezeka ngati olandila nawo ku Alaska Native Claims Settlement Act (ANCSA)
• Kuyamba kapena kumaliza ntchito ngati membala wa AmeriCorps State ndi National, VISTA, kapena membala wa NCCC

Kuti mudziwe ngati mukuyenereradi Nthawi Yolembetsa Yapaderadera pamsika, pitani chipatala.gov kuyankha mafunso angapo. Ngati mukuyenerera, yambani mwa kulemba fomu yofunsira patsamba la boma, limodzi ndi kuyendera gawo ili la tsambali kuti muwunikenso mapulani ndi mitengo yake.

2. Nthawi Yolembetsa Mwapadera ya Medicare

Pali nthawi zolembetsa zosiyana kwa anthu omwe ali ndi Medicare.

• Nthawi yoyamba kulembetsa: Lowani ku Medicare Part A ndi / kapena Gawo B mkati mwa miyezi isanu ndi iwiri kuchokera nthawi yomwe muyambe kulandira Medicare kudzera muukalamba kapena kulumala.
• Ikani nthawi yolembetsa: Unikiranso ndikusintha momwe mungapezere Medicare kapena Medicare Advantage, kapena gawo lanu la Part D, kuyambira pa Okutobala 15 mpaka Disembala 7.
• Nthawi yolembetsa: Nthawi yapakati pa Januware 1 ndi Mar. 31 chaka chilichonse ndipamene mutha kulembetsa ku Medicare Part B koyamba. Mutha kukhala oyenera kulembetsa ku Medicare Advantage (Gawo C) kapena mapulani a mankhwala (Gawo D) mu Epulo 1 mpaka Juni 30 chaka chomwecho ndikuwunikira kuyambira pa Jul. 1.

Zofanana ndi mapulani a Msika, Medicare ilinso ndi Nthawi Yolembetsa. Mutha kukhala woyenera kukhala ndi nthawi yolembetsa ya Medicare mukakumana ndi iliyonse ya zofunikira izi , zomwe zimaphatikizapo kutaya kufalitsa popanda cholakwa chanu, kusamukira kapena kuchipatala, ndikusintha pakuyenerera kwanu mapulogalamu ena.

3. Medicaid kapena CHIP

Ndondomeko zamankhwala zotsika mtengo ndi Medicaid ndi CHIP zimapezeka chaka chonse mosatengera tsiku. Ngati mukuyenerera limodzi kapena mapulogalamu onsewa, kulembetsa kumatha kuyamba nthawi yomweyo. Gawo loyamba ndikupeza ngati mukuyenera Medicaid ndi / kapena CHIP poyankha mafunso angapo chipatala.gov . Ngati mukuyenerera Medicaid ndi / kapena CHIP, muli ndi mwayi wofunsira kulumikizidwa kudzera mu Msika wa Inshuwaransi Yathanzi kapena kudzera mu bungwe la Medicaid m'boma lanu. Pitani chipatala.gov kuti mudziwe zambiri za mitundu iyi yophimba.

4. Mapulani a inshuwaransi yanthawi yayitali

Amatchedwanso inshuwaransi yanthawi yayitali kapena inshuwaransi yakanthawi, mapulani akanthawi kochepa amapezeka m'maiko ena kuti mugule chaka chonse. Kuphunzira kotereku kumatha kuchepetsa kusiyana pakati pa mfundo. Ngakhale mapulaniwa amakhudzanso ena m'banja lanu, sakukakamizidwa kuti alandire zabwino zambiri zomwe zimaperekedwa ndi mapulani a ACA (monga chithandizo chodzitetezera, mankhwala osokoneza bongo ndi ntchito zamalabotale), komanso kuthana ndi zomwe zidalipo, malinga ndi UnitedHealthcare . Inshuwaransi yayifupi imatha kuchotsedwa nthawi iliyonse popanda chindapusa. Pitani makuppayap kuti mudziwe ngati boma lanu lipereka malamulowa. Ngati mwataya inshuwaransi yazaumoyo chifukwa cha kutayika kwa ntchito kapena kusintha, mutha kuyenereranso kupitilizidwa ndi COBRA, komwe mungaphunzire zambiri za Pano .

5. Inshuwalansi yowonjezera

Ndondomeko zowonjezera za inshuwaransi yothandizira kuti zithandizire anthu ndi mabanja kulipira ndalama zowonjezerapo zomwe sizinaperekedwe munthawi zoyambira kuchipatala (mwachitsanzo, ndalama zochotseredwa komanso chipinda chapadera), malinga ndi State Farm . Aetna akuti inshuwaransi yothandiziranso itha kuthandizanso ndi ngongole zofunika, monga kubweza ngongole ndi zakudya. Ndondomeko zimasiyanasiyana malinga ndi boma komanso wonyamula inshuwaransi.

Mtengo wokhala osalimbikitsidwa

Palibe kukayika za izi - kugula maubwino azathanzi kwa inu nokha komanso / kapena banja lanu ndiokwera mtengo. Valuepenguin.com , malo azachuma omwe ali ndi LendingTree, akuti ndalama zoyambira pamwezi zimachokera pa $ 323 mpaka $ 732 pa munthu aliyense. Mtengo ndiye chifukwa chachikulu chifukwa chomwe anthu amapangira inshuwaransi yazaumoyo.

Kutengera ndi Affordable Care Act (ACA), mpaka 2018, anthu omwe sanagule pulani kapena kukhala ndi inshuwaransi yazaumoyo kudzera kwa owalemba ntchito, Medicare, Medicaid, ndi zina zambiri - koma amatha kugula inshuwaransi yazaumoyo - amalipilitsidwa (nawonso yotchedwa Payment Payment Responsibility Payment kapena Indate Indate) mukamapereka misonkho yaboma. Ngakhale kuti chindapusa cha msonkho sichikugwiranso ntchito ku feduro - kusintha komwe kunachitika mu 2019 - mayiko anayi adapereka chindapusa chawo posafotokoza, kuphatikiza:

• Chigawo cha Columbia
• Massachusetts
• New Jersey
• Vermont

Komabe, chifukwa choti kulibenso chindapusa cha msonkho chifukwa chosakhala ndi inshuwaransi, sizitanthauza kuti palibe zovuta zina zachuma zomwe zimakhudzana ndi kukhala osalimbikitsidwa.

Malinga ndi ziwerengero zomwe adalemba Kaiser Family Foundation , anthu omwe alibe chindapusa amawalipiritsa zipatala zambiri poyerekeza ndi odwala omwe ali ndi inshuwaransi kudzera pakampani yaboma kapena pulogalamu yaboma. Komanso, omwe alibe phindu kwa chaka chimodzi chathunthu amalipira zochuluka kuposa gawo limodzi mwa magawo atatu a maulendo awo azadzidzidzi kapena nthawi zonse kuchipatala - komwe 64% amalephera kulipira ngongole zawo zachipatala, zomwe zingayambitse zovuta kupeza zofunika zofunika, komanso bankirapuse.

Kuphatikiza apo, kafukufuku wasonyeza kuti iwo omwe alibe inshuwaransi yazaumoyo sangapeze chithandizo chodzitchinjiriza komanso chithandizo chamankhwala ku matenda akulu komanso matenda. Mosasamala kanthu za wonyamula inshuwaransi, mapulani a inshuwaransi yaumoyo amapereka kwaulere chisamaliro choteteza kwa ana ndi akulu (monga kuyezetsa magazi, katemera komanso kuyezetsa magazi pachaka chilichonse) bola ntchitoyo imaperekedwa ndi dokotala mu netiweki.

Njira zowonjezera zosungira popanda inshuwaransi yazaumoyo

Ngakhale si dongosolo la inshuwaransi yazaumoyo, SingleCare ndi dongosolo lochotsera ndi mankhwala lomwe limakupatsirani khadi yochotsera yaulere kuti muchepetse mtengo wamankhwala azachipatala kwa iwo ndi inshuwaransi kapena wopanda . Ngati mulibe inshuwaransi kapena mumalipira ndalama pamankhwala anu, mutha kuwona mpaka 80% yosunga ndi khadi lathu. Tagwirizana ndi ma pharmacies opitilira 35,000 mdziko lonse (kuphatikiza CVS, Target, Walgreens ndi Walmart), chifukwa chake yambani kufunafuna mankhwala anu lero ku singlecare.com.