Kodi chochitika choyenerera pa moyo wa inshuwaransi yazaumoyo ndi chiyani?

Kampani

Ngati mwangokwatirana kumene kapena mwakhala ndi mwana, mwina mukuganiza kuti muchite chiyani posintha inshuwaransi yazaumoyo wanu. Zosintha zazikulu ngati izi zingakhudze kuyenerera kwanu kukhala inshuwaransi yazaumoyo. Tiyeni tiwone zochitika zoyenera pamoyo wa mapulani a Affordable Care Act (ACA) ndi momwe zimakhudzira mukakwanitsa kufunsa inshuwaransi yazaumoyo.

Kodi chochitika choyenerera pa moyo wa inshuwaransi yazaumoyo ndi chiyani?

Zochitika pamoyo woyenera (QLEs) ndizosintha pamikhalidwe yanu zomwe zimakulolani kuti mulembe inshuwaransi yaumoyo kunja kwa nthawi yolembetsa pachaka yotseguka. ACA imalongosola zochitika zoyenerera monga kusintha kwakukula kwa moyo komwe kumamupatsa wina kufunika kwa inshuwaransi yazaumoyo, kumuloleza kuti alembetse kapena kusintha zina ku inshuwaransi yawo mu Nthawi Yolembetsa Yapadera. Nazi zina mwazinthu zodziwika bwino pamoyo zomwe zimapatsa munthu mwayi wosankha inshuwaransi yatsopano kapena kusintha zina kunja kwake nthawi yolembetsa s .

Zindikirani: Mankhwala ndi olemba anzawo ntchito ali ndi malamulo apadera, zochitika za moyo woyenera, nthawi zawo zolembetsa. Zotsatirazi ndizoyenerera zochitika pamoyo wa mapulani a ACA.

Zosintha zapakhomo

Zosintha zazikulu pabanja lanu zitha kukuyenererani kuti mupeze Nthawi Yolembetsa Mwapadera komwe mumaloledwa kukalembetsa chisamaliro chaumoyo kunja kwa nthawi yoyenera kulembetsa. Ngati inu kapena wina m'nyumba mwanu mwakwatirana, mwakhala ndi mwana, mwalandira mwana, kapena mwayika mwana kuti akulereleni ana ake m'masiku 60 apitawa, mudzayenerera kulembetsa.

Ngati mwasudzulana kapena kulekanitsidwa mwalamulo m'masiku 60 apitawa ndipo mwataya inshuwaransi yazaumoyo, mudzayenerera Nthawi Yolembetsa. N'chimodzimodzinso ngati inu kapena wina aliyense m'banja mwanu ataya inshuwaransi yazaumoyo m'masiku 60 apitawa, kapena akuyembekeza kutaya inshuwaransi yazaumoyo m'masiku 60 otsatira. Zikachitika mwatsoka kuti wina wamaphunziro anu azaumoyo atamwalira ndipo kuyenererana ndi dongosololi kumasintha, mudzayenerera Nthawi Yolembetsa Yapadera yomwe imakupatsani mwayi wopeza chithandizo chazachipatala chatsopano.

Kukhalanso kosintha

Kusintha kwa malo okhala nthawi zambiri kumalola anthu kuti ayenerere Nthawi Yolembetsa Yapadera. Ngati mukusamukira ku zip code yatsopano kapena dera; kupita ku U.S. kuchokera kudziko lina; ophunzira kusamukira kapena kusiya sukulu; ogwira ntchito nyengo akusamukira kapena kusiya ntchito; kapena kupita kapena kubisala kapena nyumba zosinthira, mosakayikira mungayenerere Nthawi Yolembetsa Yapadera. Kusamukira kwina kokha kukalandira chithandizo chamankhwala kapena tchuthi sikuyenera.

Muyenera kuti mudakhala ndi inshuwaransi yazaumoyo tsiku limodzi m'masiku 60 musadasamuke kuti mukayenerere Nthawi Yolembetsa. Komabe, simuyenera kupereka chitsimikiziro ngati mukusamukira kudziko lina kapena kudera la U.S.

Kutaya inshuwaransi yazaumoyo

Ngati inu kapena wina m'banja mwanu ataya kapena akuyembekeza kuti ataya chithandizo chamankhwala m'masiku 60 otsatira, mutha kukhala ndi mwayi Wolembetsa Mwapadera. Ndondomeko ya inshuwaransi yazaumoyo yomwe mwatsala pang'ono kutaya iyenera kuwunika limodzi kapena angapo mwa mabokosi otsatirawa kuti mudzalandire Nthawi Yolembetsa:

• Simukuyeneranso kukhala wodalirika motsogozedwa ndi kholo lanu kapena woyang'anira inshuwaransi yaumoyo wanu.
• Inu kapena wachibale wanu, wokwatirana naye, kapena kholo lanu lasiya ntchito, kuchotsedwa ntchito, kapena kuchotsedwa ntchito, zomwe zimapangitsa kuti moyo wanu usatetezeke kudzera kwa abwana anu kapena olemba anzawo ntchito, okwatirana, kapena kholo. Ngati inu kapena mnzanu mutayamba ntchito yatsopano, mudzayenerera Nthawi Yolembetsa Yapadera.
• Mukutaya chithandizo cha Medicaid kapena Children's Health Insurance Program (CHIP) chifukwa cha kusintha kwachuma chanu.
• Simulinso woyenera kulandira dongosolo laumoyo waophunzira.
• Dongosolo lanu lamakono likuchotsedwa.

Chidziwitso: Kutaya mwakufuna kwanu ndikubisa ndi ayi ngati chochitika chofunikira pamoyo.

Imachita zinthu zina

Mutha kukhala oyenerera kukhala ndi nthawi yolembetsa ngati muli:

• Kuyamba kapena kumaliza ntchito ngati membala wa AmeriCorps
• Kukhala nzika ya U.S.
• Kusiya kundende
• Kukhala membala Wachibadwidwe ku Alaska kapena membala wa fuko lodziwika bwino

Ngati inu kapena omwe mumadalira mukuzunzidwa kapena kusiyidwa ndi akazi, mutha kuyenererana ndi Nthawi Yolembetsa. Chiwawa Cha Pabanja nambala yafoni ya hotline ndi 1-800-799-7233. Atha kukupatsani zinthu zokuthandizani komanso angakupatseni upangiri wa momwe mungapezere inshuwaransi yatsopano. Muthanso kunena za healthcare.gov kapena msika wanu waboma, kapena lingalirani zofunsira ku Medicaid.

Momwe COVID-19 imakhudzira, sioyenera kukhala moyo wokha. Mayiko khumi ndi amodzi, kuphatikiza DC, adapeza anatsegula Nthawi Zolembetsa Zapadera , koma mayiko ena 38 sanatero. Ngati mukukhala m'modzi mwa mayiko 38 awa, muyenera kuwunika ngati muli ndi moyo woyenera, atero a Susan Lyon, Media and Partnerhips Manager ku Health Sherpa.

Onani mndandanda wathunthu wazoyenera pamoyo wanu mndandanda wa SEP uwu .

Kodi chimatero ayi kuyenerera?

Nthawi zina zimakhala zovuta kudziwa kuti ndi zochitika ziti pamoyo zomwe zingakuthandizeni kuti mukhale ndi Nthawi Yolembetsa Yapadera. Inu osa ayenerere kukhala ndi Nthawi Yolembetsa Mwapadera ngati:

• Zasunthidwa kwinakwake kwachithandizo chamankhwala.
• Mukukhala kwinakwake patchuthi chotalikirapo.
• Kutaya chithandizo chaumoyo wanu chifukwa simunalipira ndalama zanu.
• Mumadalira dongosolo la chisamaliro cha kholo kapena wothandizira ndipo mumadzipereka mwakufuna kwanu. Muyenera zaka zakubadwa zaka 26 kuti mudzalandire Nthawi Yolembetsa. Kupanda kutero, muyenera kudikirira mpaka nthawi yolembetsa itatsegulidwa.
• Mudzakhalabe woyenera kuchipatala komanso mapindu anu, ngakhale mutasudzulana kapena kutaya wachibale.

Kodi Nthawi Yolembetsa Yapadera ndiyotani?

Mudzakhala ndi masiku 60 kutsatira moyo wanu woyenerera kuti mulembetse dongosolo lazachipatala. Ngati simulembetsa munthawi imeneyi, mungafunike kudikirira mpaka nthawi yotsatira yolembetsa yotsatira.

Kulembetsa kotseguka kwa ACA ndi nthawi yamasiku 45 momwe mungasinthire inshuwaransi yaumoyo wanu kapena kulembetsa dongosolo latsopano. Kupatula zingapo, zomwe zimasiyanasiyana malinga ndi boma, kulembetsa kwaulere kumachitika kuyambira Novembala 1 mpaka pakati pa Disembala chaka chilichonse.

Chifukwa chake ngati muli ndi chochitika chofunikira mu Marichi, mwachitsanzo, osagwiritsa ntchito Nthawi Yanu Yolembetsa kuti mupeze inshuwaransi yazaumoyo, muyenera kudikirira mpaka Novembala kuti adzalembetse kufalitsa, zomwe sizingayambe kukuphimbirani mpaka Januware 1. Kusunga nthawi yomwe chochitika choyenerera chikuchitika kumatsimikizira kuti mudzakhala ndi chithandizo chamankhwala chokwanira nthawi zonse.

Masitepe otsatira

Pambuyo pa chochitika chamoyo woyenera komanso munthawi Yolembetsa Yapadera, sitepe yotsatira ndikusankha dongosolo latsopano lomwe limakupindulitsani. Mungafunike zikalata zina kuti muthandizire pochita izi, monga:

• Chilolezo chokwatirana
• Kutha kwa banja, kuthetsa, kapena mapepala olekanitsa mwalamulo
• Sitifiketi chobadwira, mapepala okulerera, kapena umboni wazachisamaliro chalamulo
• Umboni wa inshuwaransi yoyenereradi isanakwane
• Kusintha kwa kutsimikizira kwa adilesi

Mndandanda wa zikalatazi siwokwanira. Zolemba zomwe muyenera kulembetsa ku inshuwaransi yazaumoyo kudzera mu Nthawi Yolembetsa Yapadera zimatengera zochitika zanu zapadera. Ntchito yofunsira ikuuzani zomwe muyenera kutsatira.

Njira zina zogwiritsa ntchito akukupatseni masiku 30 mutapempha kuti mutumize zikalata zilizonse zomwe zingatsimikizire kuti ndinu oyenerera Kukhala ndi Nthawi Yolembetsa. Kuphunzira kwatsopano kumayamba tsiku lomwe mulembetse ntchitoyo. Komabe, simudzatha kugwiritsa ntchito maubwino azaumoyo mpaka kuyenerera kwanu kutsimikizike ndipo mwalipira ndalama zanu. Mutha kusungabe ma risiti azomwe mungagwiritse ntchito mthumba kuti mulembetse ndalama zobwezeretsanso mukamaliza kufalitsa.

Bwanji ngati sindikuyenereraNthawi Yolembetsa Yapadera? Kodi ndingasankhe chiyani?

Ngati simukuyenerera Nyengo Yolembetsa Yapadera ndipo muyenera kudikirira kuti adzalembetsedwe komwe kuli kutali, mutha kupeza inshuwaransi yanthawi yayitali . Mapulani a inshuwaransi yanthawi yayitali amapereka chithandizo kwa masiku opitilira 364. Izi ndizothandiza makamaka kwa anthu omwe amafunikira kufalikira panthawi yoperewera pantchito.

Muthanso kulembetsa ku Medicaid kapena Children's Health Insurance Plan (CHIP). Mutha kulembetsa ku iliyonse ya mapulogalamu awa nthawi iliyonse. NKHANI ndichothekanso. Pali njira zambiri zopezera chithandizo chamankhwala mukawafuna kwambiri.