Kodi nthawi yolembetsa yotseguka ndi yotani?

Kampani Healthcare Yafotokozedwa

Kuyesedwa pachaka ndi kofunikira pokhala ndi thanzi labwino komanso thanzi, koma sizokhudza thupi lanu lokha. Kuwerenganso mapulani anu a inshuwaransi yazaumoyo pachaka chilichonse - makamaka kutsatira matenda atsopano kapena zochitika zazikulu m'moyo - kumatha kuthandizira kwambiri kukulitsa kufalitsa kwanu. Chaka chilichonse, anthu aku America amakhala ndi mwayi wochita izi panthawi yomwe amalembetsa pamsika komanso / kapena ndi owalemba ntchito.

Kodi nthawi yolembetsa yotseguka ndi yotani?

Nthawi yolembetsa yotseguka pachaka ndi nthawi yomwe anthu aku America amatha kusintha momwe angasinthire inshuwaransi yaumoyo (monga dongosolo laumoyo lomwe amalandira kudzera kwa owalemba ntchito) kapena kugula inshuwaransi yatsopano kudzera pa Health Insurance Marketplace (yotchedwanso Obamacare) . (Anthu omwe ali ndi Medicare kapena Medicaid adzakhala ndi magawo osiyanasiyana komanso nthawi zolembetsa.)

Kulembetsa momasuka ndiyonso nthawi yabwino kwa omwe adzapindule nawo kuti awonjezere wokwatirana naye kapena omwe amadalira, kapena asinthe makonzedwe anyumba zawo, ku pulani yawo ngati sanatero kale.

Ngakhale mutakhala kuti mukufuna kukonzanso mapulani anu apano, ndibwino kuti muwerenge bwino zomwe zikubwera chaka chamawa — zomwe sizinaphatikizidwe (monga mankhwala azamankhwala ndi ma copay) zasintha chaka ndi chaka, chifukwa chake mufunika kupanga onetsetsani kuti muli ndi chinsinsi choyenera cha inu ndi banja lanu.

Ngati mwaphonya nthawi yolembetsa pamsika waboma, mutha kusankha njira zatsopano kapena mungasinthe mapulani anu munthawi yolembetsa. Komabe, muyenera kukhala ndi chimodzi mwazotsatira zochitika zaumoyo woyenera kutenga nawo mbali pakulembetsa kwapadera :

• Zosintha mnyumba mwanu: Ngati mutakwatirana, mwasudzulana (osatayidwa), kapena muli ndi mwana, mutha kukhala olembetsa mwapadera. Mutha kukhalanso woyenera ngati wina mnyumba mwanu amwalira ndipo mumataya chidziwitso chifukwa cha izo. Muyenera kulembetsa kuti mufalitse pakadutsa masiku 60 kuchokera pomwe izi zachitika.
• Kusintha kwanu: Mukasamukira ku zip code yatsopano kapena dera, kapena mupita ku U.S. kuchokera kudziko lina, mutha kukhala oyenerera kulembetsa. Momwemonso ophunzira amasamukira kapena kuchokera komwe amaphunzira sukulu. Chenjezo limodzi: Pokhapokha mutasamukira kudziko lina, muyenera kutsimikizira kuti munali ndi inshuwaransi yazaumoyo tsiku limodzi m'masiku 60 musanasamuke kuti muyenerere.
• Kutayika kwa inshuwaransi yazaumoyo wanu: Ngati mutaya inshuwaransi yazaumoyo chifukwa chakusowa ntchito mosavomerezeka, wachibale ataya chithandizo, kapena chifukwa choti simukuyenera kulandira chithandizo cha Medicare kapena Medicaid chomwe mumalandira, mutha kukhala ndi mwayi wokhala ndi Nthawi Yolembetsa Yapadera.
• Zochitika zina zoyenerera: Ngati mwangokhala kumene nzika zaku U.S. kapena mwasiya kundende, mutha kuyenerera kulembetsa mwapadera.

Kodi kulembetsa lotseguka kuli liti?

Ngakhale kulembetsa poyera kwa Affordable Care Act -kuvomerezeka mu 2020 kwadutsa kale, nthawi ya 2021 ikubwera. Madeti olembetsa otseguka ndi Novembala 1 mpaka Disembala 15, 2020 m'maiko ambiri, kupatsa omwe adzapindule nawo pafupifupi milungu isanu ndi umodzi kuti agule ndikuyerekeza mapulani asanawagule kudzera m'modzi mwaosinthana ndi inshuwaransi yazaumoyo (mwina federally run healthcare.gov kapena boma lawo msika).

Ngati boma lanu lili ndi msika wa inshuwaransi yazaumoyo, madetiwo amatha kusiyanasiyana (mwachitsanzo, California, Colorado, ndi Washington DC awonjezera masiku awo mpaka Januware). Kuphatikiza apo, chifukwa cha mliri wa COVID-19, mayiko ambiri awonjezera masiku awo olembetsa, choncho onani msika wanu boma kutsimikiza. Mu 2021, 16 akuti (kuphatikiza New York, Massachusetts, ndi Washington) azisinthana okha.

Ngati mungalembetse kuti mudzalandire nthawi yolembetsa, inshuwaransi yanu iyamba pa Jan. 1.

Pulogalamu ya Nthawi yolembetsa ku Medicare amasiyana ndi Nthawi yolembetsa yotseguka ya ACA . Kulembetsa kwa Medicare kotseguka kwa 2021 ndi Okutobala 15 mpaka Disembala 7, 2020, mapulani akayamba kugwira ntchito pa Januware 1. Medicare imaperekanso nthawi zingapo zolembetsa zapadera zosiyanasiyana. Mutha kukaona Medicare.gov kuti mudziwe zambiri.

Kodi chimachitika ndi chiyani mukaphonya kulembetsa?

Ngati mwaphonya nthawi yolembetsa ya 2021 yotseguka, mumakhala pachiwopsezo chosakhala ndi inshuwaransi yazaumoyo chaka chonse (pokhapokha mutakhala oyenera kulembetsa). Izi zikutanthauza kuti muyenera kulipira ndalama zamankhwala, monga maulendo a madokotala, mankhwala akuchipatala, ndi ntchito zadzidzidzi, mthumba.

Pomwe ACA imafuna kuti omwe alibe chithandizo chamankhwala (ndipo sanasiyidwe) azilipira chindapusa (chomwe chimadziwika kuti Shared Responsible Payment) pakubweza kwawo msonkho, Tax Cuts and Jobs Act idachotsa ndalamazo msonkho chaka 2019 ndi kupitirira. Komabe, pali mayiko ochepa omwe amakhalabe ndi chindapusa chachuma, chifukwa chake mufunika kuwunika zamalamulo aboma lanu.

Palinso zina Kuphunzira mungachite muyenera kufufuza ngati mwaphonya nthawi yolembetsa. Choyamba, fufuzani kuti muwone ngati mungathe kuwonjezeredwa ku dongosolo la mnzanu kapena mnzanu, kapena ngati simunakwanitse zaka 26, dongosolo la kholo lanu.

Ngati mulibe ndalama zochepa, mutha kulandira Medicaid kapena CHIP (Program ya Ana Inshuwaransi Yathanzi), yomwe ndi njira yabwino yothanirana ndi boma. Mutha kudziwa ngati mukuyenereradi kudzera Msika wa Inshuwaransi Yazaumoyo kapena polumikizana bungwe lanu la Medicaid .

Mapulani akanthawi kochepa ndi njira ina yolembera. Ndondomeko ya inshuwaransi yayifupi imapereka chithandizo kwa masiku osachepera 364, kuthekera kokulira mpaka miyezi 36. Izi ndizocheperako poyerekeza ndi mapulani omwe mungapeze kudzera kwa abwana kapena Msika-inshuwaransi ya kanthawi kochepa sikofunikira kulipira mankhwala kapena ndalama zoyembekezera, mwachitsanzo - zitha kuthandizira kulipirira ngongole zachipatala mukadikirira zotseguka nthawi yolembetsa chaka chamawa.

Njira ina yothandizira ndi inshuwaransi ya gap (yomwe imadziwikanso kuti inshuwaransi yowonjezera). Inshuwaransi yopanga ntchito imagwira ntchito limodzi ndi inshuwaransi yanu yoyamba (yomwe nthawi zambiri imatchedwa inshuwaransi ya inshuwaransi yanu) kuthandiza kudzaza mabowo. Mwachitsanzo, mapulani ena a ACA samaphatikizapo mano kapena masomphenya, kotero wopindulayo atha kuwonjezera mapulani owonjezera a inshuwaransi kuti athe kutsuka mano awo kapena kugula magalasi atsopano. Inshuwaransi ya kusiyana sikutanthauza kusinthira kufalitsa koyambirira, koma itha kubwera mosavuta pakagwa vuto ladzidzidzi.

Pofuna kuthana ndi ndalama zamankhwala popanda inshuwaransi, palinso khadi yotsitsa ya SingleCare. Kwaulere Tsitsani ndikugwiritsa ntchito , khadi la SingleCard si mtundu wa inshuwaransi-koma pulogalamu yotsitsa yomwe imachepetsa mtengo wamtengo wapatali wopezera mankhwala kuma pharmacies aku U.S. Sakani ma meds anu ndikuwona momwe mungapulumutsire lero!