Anataya inshuwaransi yanga tsopano?

Kampani

Kuchotsedwa ntchito kapena kuchotsedwa ntchito sizimangotanthauza kulipira malipiro — kwa anthu ambiri aku America, zimatanthauzanso kuti inshuwaransi yazaumoyo yatayika. Pofika mu 2018, pafupifupi theka la anthu aku US adalandira inshuwaransi yothandizidwa ndi olemba anzawo ntchito, malinga ndi kafukufuku yemwe bungwe la Kaiser Family Foundation . Ndi vuto lomwe lidayamba kukhala lofunika kwambiri panthawi yamatenda amtundu wa coronavirus (COVID-19) pomwe anthu ambiri ku US adachotsedwa ntchito komanso kufotokozedwa nthawi yomweyo chiopsezo chodwala chidakulirakulira.

Ndipo popanda inshuwaransi yazaumoyo, mwina mungakhale mukuganiza kuti mudzalipira bwanji ndalama zofunika kuchipatala monga maulendo a dokotala, mankhwala akuchipatala, ndi chisamaliro chadzidzidzi. Koma pali zosankha-mapulani omwe amathandizidwa ndi olemba anzawo si njira yokhayo yothandizira zaumoyo.

ZOKHUDZA: Momwe mungapezere inshuwaransi yazaumoyo

Anataya inshuwaransi yazaumoyo? Yerekezerani zomwe mungasankhe
Zosankha	Ubwino	Kuipa	Zothandizira
COBRA kapena mapulani Msika Msika	Amapereka chithandizo chamankhwala chitatha ntchito	Mapulaniwa nthawi zambiri amakhala okwera mtengo kuposa mapulani a inshuwaransi yazaumoyo wa owalemba ntchito	Dziwani zambiri za COBRA
Medicaid kapena CHIP	Njira zotsika mtengo kwambiri za inshuwaransi yazaumoyo	Muyenera kukwaniritsa zofunikira pazopeza ndalama	Dziwani zambiri za Medicaid
Inshuwaransi yayifupi kapena yoperewera	Mutha kulembetsa nthawi iliyonse	Osati kwathunthu ngati inshuwaransi yanthawi yayitali	Dziwani zambiri za inshuwaransi yanthawi yayitali
Osakwatira	Ma Coupon ndi 100% aulere, ogwiritsidwanso ntchito pakukonzanso kulikonse, ndipo palibe inshuwaransi yomwe imafunika	SingleCare ndi ayi mtundu wa inshuwaransi yazaumoyo	Dziwani zambiri za SingleCare

Ndataya ntchito. Kodi ndimachita chiyani za inshuwaransi yazaumoyo?

Ngati mwataya kapena mwasiya ntchito posachedwa, mutha kukhala oyenera kukulitsa mbiri yanu yapano NKHANI (Consolidated Omnibus Budget Reconciliation Act). Lamuloli likunena kuti - ngati njira zina zakwaniritsidwa - wolemba anzawo ntchito ayenera kupititsa patsogolo dongosolo laumoyo wa gulu lanu mpaka miyezi 18 mutasintha ntchito. Nthawi zina, kufalitsa kumatha mpaka zaka zitatu.

Pali zinthu zitatu zofunika kuzikwaniritsa kuti munthu ayenerere inshuwaransi yazaumoyo ya COBRA, malinga ndi US Department of Labor, Employee Benefits Security Administration:

• Ndondomeko yaumoyo wa gulu lanu iyenera kuphimbidwa ndi COBRA
• Chochitika choyenerera chikuyenera kuchitika (kutha pa chifukwa china chilichonse kupatula machitidwe olakwika, kusiya udindo, kapena kuchepa kwa maola)
• Muyenera kukhala opindula nawo pamwambowu

Okwatirana ndi ana omwe angadalire atha kukhala oyenereranso kukhala ndi COBRA, ngakhale mndandanda wazomwe mungasankhe umasiyana. (Mutha kuwona mndandanda wathunthu Pano .)

Ngati mukuyenera kulandira chithandizo chokwanira pansi pa COBRA, mudzapatsidwa nthawi (masiku 60) momwe mungasankhe kufotokozera, kubwereranso mpaka tsiku lomwe kufalitsa kwanu sikukadatha. Ngati mukulephera kusankha chindapusa cha COBRA panthawiyi, simudzatha kutero nthawi ina.

Kupeza ndalama pansi pa COBRA nthawi zambiri kumakhala kotsika mtengo kuposa inshuwaransi kudzera pantchito yanu chifukwa abwana anu mwina amakuthandizani kulipirira ndalama zomwe mumalandira mwezi uliwonse. Sakufunika kutero pansi pa COBRA. Kutalika kwakanthawi kumasiyananso-miyezi 18 ndiyocheperako, ngakhale itha kupitilira miyezi 36, kutengera zochitika zoyenera.

Zambiri zamomwe mungagwiritsire ntchito COBRA ziyenera kuphatikizidwa ndi zomwe mudalandira mukamaphunzira. Mwinanso mulandila makalata kuchokera ku inshuwaransi yanu kapena olemba anzawo ntchito pazotsatira za COBRA ntchito yanu ikadzasintha.

Ngati mungaganize zosasankha chiphaso cha COBRA kapena sichikupezeka kwa inu chifukwa simukukwaniritsa zofunikira zonse, mungafune kuganizira Msika wa Inshuwaransi Yazaumoyo (kapena kungoti, Msika), komwe mungafanizire mitengo yazachipatala mapulani a inshuwaransi. Apanso, mudzafunika kudziwa malire a nthawi mukamafufuza zomwe mungasankhe. A Nthawi Yolembetsa Mwapadera imaperekedwa kwa munthu amene wangosiya kumene ntchito kapena wataya ntchito, koma muyenera kusankha dongosolo pasanathe masiku 60 kapena masiku 60 mutataya ntchito yanu. Ngati sichoncho, muyenera kudikirira mpaka nthawi yolembetsa kuti mutsegule. Onaninso kuti nthawi yolembetsa yotseguka imatha kusiyanasiyana, kutengera ngati dziko lanu lingasinthe kapena limadalira kusinthana kwa Federal. Mutha kupeza zambiri pa chipatala.gov .

ZOKHUDZA: Momwe mungapezere inshuwaransi yaumoyo pambuyo polembetsa kulembetsa

Ndikufuna inshuwaransi yazaumoyo, koma ndilibe ndalama

Ngati simungathe kupeza inshuwaransi yazaumoyo, fufuzani kuti muwone ngati mukuyenera kulandira chithandizo malinga ndi dongosolo la wachibale. Kwa iwo osakwana zaka 26 , mutha kulowa nawo pulani ya makolo - kutengera pulani yawo - ngakhale simukukhala nawo kapena simukuwadalira. Mosiyana ndi izi, ngati mwakwatirana kapena mukugwirizana kwakanthawi, mutha kukhala limodzi ndi omwe akuthandizani olemba anzawo ntchito. Ukwati umakhala ngati a chochitika chofunikira pamoyo , zomwe zikutanthauza kuti mutha kuwonjezeredwa ku pulani ya mnzanu m'masiku 30 (kapena kupitilira apo) mutakwatirana. Ngati simukufikira tsiku lomaliza, muyenera kudikirira mpaka nthawi yotsatira yolembetsa kuti mudzalowe nawo.

Ngati malingaliro am'banja lanu siosankha, mutha kukhala oyenera kulandira chithandizo pansi pa Medicaid kapena Children's Health Insurance Program (CHIP), mapulogalamu awiri a inshuwaransi ya boma ndi boma omwe amathandiza anthu aku America omwe amalandila ndalama zochepa kuchipatala (mwina popereka inshuwaransi mwachindunji kapena kudzera mu pulani yachinsinsi). Kuyambira pa February 2020, Achimereka 63.8 miliyoni anaphimbidwa pansi pa Medicaid. Mtengo ndi kufalitsa kwake kumasiyana malinga ndi mayiko (zina, mwachitsanzo, zimapereka chiphaso kwa wachikulire aliyense yemwe ndalama zake zimakhala zocheperako mwezi uliwonse), chifukwa chake muyenera kufufuza zomwe boma lanu likufuna. Pali njira ziwiri zofunsira Medicaid ngati simukuyenerera:

• Kudzera Msika wa Inshuwaransi Yazaumoyo: Ngati mutamaliza kulemba pempholi, zikuwoneka kuti inu kapena wina aliyense m'banja lanu angayenerere kulandira Medicaid, Msikawo utumiza zidziwitso zanu ku bungwe la boma lomwe limayang'anira Medicaid. Mukamachita izi, mutha kuyeneranso kupulumutsidwa (monga ndalama zothandizidwa ndi Care Act) pa pulani yaumwini kutengera ndalama zomwe mumapeza, zomwe zingapangitse kuti pulogalamu yabizinesi ipezeke pazachuma.
• Mwachindunji kudzera mu bungwe lanu la Medicaid: Pezani momwe mungalumikizane ndi anu Pano .

ZOKHUDZA: Medicaid amasintha 2020

Momwe mungabwezeretsere inshuwaransi yazaumoyo

Ngati mukufunikira kufalitsa mwachangu koma nthawi yolembetsa yotseguka idakali miyezi ingapo, mungafune kuganizira a dongosolo la inshuwaransi yanthawi yayitali ngati choyimitsa. Malangizo oyambilira omwe adaperekedwa mu 2016 adanenanso kuti inshuwaransi yayifupi imatha miyezi itatu yokha. Komabe, malamulo atsopano motsogozedwa ndi a Trump yonjezerani nthawiyo mpaka masiku 364, ndikuwonjezeranso kupitilira miyezi 36.

Kuti zidziwike bwino, inshuwaransi yaifupi siyimapereka chidziwitso chofananira monga dongosolo laumoyo wamagulu kapena dongosolo loyenerera pansi pa ACA. Mwachitsanzo, mapulani akanthawi kochepa sayenera kuphimba ndalama zakuchipatala, ndalama zoberekera, kapena anthu omwe ali ndi vuto lomwe lidalipo kale. Choyipa ndichakuti simuyenera kudikirira nthawi yolembetsa, ndipo kufalitsa kumayambira patangotha ​​masiku ochepa kuti ntchito yanu ivomerezedwe.

Gwero lina la inshuwaransi yowonjezerapo ndi inshuwaransi ya gap (AKA inshuwaransi ya inshuwaransi yanu). Ngakhale sichiyenera kugwiritsidwa ntchito ngati chophimba chokha cha anthu, anthu ena amaigwiritsa ntchito mwanjira imeneyi osalimbikitsidwa. Ndondomeko yamtunduwu imagwira ntchito limodzi ndi inshuwaransi yanu yayikulu (dongosolo laumoyo wamagulu kapena dongosolo la ACA) kuti mupereke zowonjezera. Mwachitsanzo, ngati dongosolo lomwe amakuthandizani olemba ntchito silikuphimba ntchito zamano, mutha kupeza inshuwaransi ya gap yomwe imatero.

Kupezeka kwa inshuwaransi ndikosavuta ndipo kumatha kuchitika pokhapokha, monga matenda amtima kapena sitiroko. Makampani otchuka a inshuwaransi ndi AIG, Aetna, ndi Aflac, ndipo ndalama zoyambira pafupifupi $ 30- $ 40 pamwezi.

Momwemo, inshuwaransi yayifupi (komanso inshuwaransi ya njira monga njira yanu yokhayo) iyenera kugwiritsidwa ntchito mpaka mutha kulandira nthawi yayitali panthawi yolembetsa. Pomwe kulembetsa kwa 2020 kwadutsa, Masiku 2021 akubwera : Lembani kalendala yanu pa Novembala 1, 2020 mpaka Disembala 15, 2020. Ngakhale mayiko ambiri amatsatira madetiwo, sikuti onse amatero, chifukwa chake mufunika kuyang'ana madera am'deralo. Komanso, California, Colorado, ndipo Washington, DC, yakulitsa kalembera wawo wokhazikika mpaka kalekale. Kulembetsa kwa Medicaid kumatsegulidwanso chaka chonse.

Kaya mulibe inshuwaransi kapena mulibe inshuwaransi, SingleCare ikhoza kukuthandizani kuti musunge ndalama pamankhwala omwe mumalandira. SingleCare ndi ntchito yosungira ndalama kwaulere yomwe ingakuthandizeni kuchepetsa ngongole yanu pamasitolo masauzande ambiri ku US Mutha kugwiritsa ntchito khadi yathu popanda inshuwaransi kukuthandizani kusunga ndalama pamankhwala.

Mwachitsanzo, mu 2019, mtengo wapakati wa ndalama wa Oseltamivir mankwala (antiviral odziwika ndi dzina lake Tamiflu) anali $ 136.30. Ndi khadi la SingleCare, mtengo wapakati wagwera $ 52.51. Tsitsani khadi yanu yaulere ya SingleCare Pano .

WERENGANI ZOTSATIRA: Njira 5 zopezera chithandizo ndi ngongole zamankhwala pomwe mulibe inshuwaransi