Kodi inshuwaransi yanthawi yayitali ndi yotani?

Kampani

Kwa iwo omwe amagula inshuwaransi yazaumoyo mthumba, inshuwaransi yanthawi yayitali zikumveka ngati njira yokongola. Kupatula apo, pali zotsika mtengo ndipo inshuwaransi yazaumoyo imathamangira nthawi yomweyo. Koma mukabweza chivundikirocho, muwona kuti sichimapereka chidziwitso chokwanira-mapulani ena a inshuwaransi yanthawi yayifupi sangakwaniritse zomwe zidalipo kale, chisamaliro cham'mutu, kapena mankhwala akuchipatala. Ndipo nthawi zambiri mumakhala ndi njira zina, monga COBRA kapena kufotokozera pansi pa dongosolo la wachibale. Ndiye ndi liti pomwe inshuwaransi yanthawi yayitali ndi chisankho choyenera?

Inshuwaransi yanthawi yayitali idapangidwa kuti izingokhala ngati yankho lalifupi kwa anthu omwe amafunikira chithandizo chazachipatala panthawi yopuma pantchito yoti atha kulandira chithandizo chatsopano. Poyamba, mutha kungopatsidwa inshuwaransi pansi pa miyezi itatu ya inshuwaransi yazaumoyo. Kuyambira mu Okutobala 2018, komabe, zomwe zasinthidwa kukhala masiku 364, ndipo mapulani atha kukonzedwanso kwa miyezi 36. Mwachidziwitso, wina amatha kulembetsa dongosolo limodzi lalifupi, atha kufalitsa kwa chaka chimodzi, kenako ndikusunthira kwa wonyamula wina nthawi yomweyo.

Komabe, ndikofunikira kuzindikira kuti si boma lililonse lomwe limapereka mapulani azakanthawi ngati zaumoyo. Sizikupezeka m'maiko 11, kuphatikiza California, Colorado, New York, New Jersey, ndi Massachusetts, mwina chifukwa ndizoletsedwa kapena chifukwa malamulo okhwima amatanthauza kuti makampani a inshuwaransi asankha kuti asawapereke. M'mayiko ena, amatha kuchepa kwambiri, ndipo malamulo amasiyanasiyana malinga ndi kutalika kwa zosankha ndi kukonzanso.

Zomwe inshuwaransi imakhudza zimasiyanasiyana pakati pa ma inshuwaransi ndi mayiko, koma chinthu chimodzi chofanana ndichakuti samakhudza zomwe zakhalapo kale zaumoyo. Kuphatikiza apo, nthawi zambiri samakhudza zopindulitsa zilizonse zofunika paumoyo zomwe zimafunikira pansi pa Affordable Care Act (ACA kapena Obamacare), zomwe zimaphatikizapo chisamaliro chodzitetezera monga maulendo a dokotala nthawi zonse, chisamaliro cha amayi, ndi mankhwala akuchipatala.

Kodi ndiyenera kupeza inshuwaransi yanthawi yochepa?

Ubwino wamalingaliro akanthawi kathanzi

Nthawi zina, inshuwaransi yanthawi yayitali imathandizadi. Phindu lalikulu pamtengo; Ndalama zomwe zimaperekedwa pamwezi uliwonse zimakhala zocheperako poyerekeza ndi mapulani azaumoyo. Ngati muli ndi thanzi labwino, musawone zosintha zilizonse pamoyo wanu (monga kukhala ndi pakati), posachedwa, ndipo zili bwino chifukwa chochepa, inshuwaransi yayifupi ikhoza kukhala chitetezo chokhazikika ndipo ingaphatikizepo mamembala ena anu banja.

Ndizothandiza pazochitika zina, monga pakati pa ntchito, podikirira kuti Medicare ipezeke, kapena ngati mungatero anaphonya kulembetsa kudzera kwa abwana anu kapena nsanja,akuti Yuna Rapoport , MD, MPH, katswiri wa maso ku Manhattan Eye ku New York City.Ubwino wake ndikuti ndizosavuta kupeza ndipo kufalitsa kumatha kuyamba mwachangu. Nthawi zambiri zimakhala zotsika mtengo ndipo zimapereka ndalama zochepa.

Inshuwaransi yakanthawi imaperekanso kusinthasintha-nthawi zambiri tsiku logwira ntchito limayamba patangopita maola 24 ndipo mutha kuletsa mwakufuna kwanu. Kungakhale kovuta kulembetsa ma inshuwaransi azaumoyo, koma ndikutenga kanthawi kochepa, kusaina kumangokhala njira yosavuta, inunso, ndi mafunso inde kapena ayi.

ZOKHUDZA: Kusintha pantchito? Phunzirani za kufalikira kwa COBRA

Zoyipa zamakonzedwe azaumoyo kwakanthawi

Ngakhale inshuwaransi yanthawi yayitali ingathandize kutchinga mopepuka kusiyana pakati pa zochitika pamoyo monga ntchito yatsopano kapena kupita ku koleji, ili ndi zopinga zazikulu ngati yankho lalitali.

Udindo wanu wathanzi udzawona makamaka ngati mungasankhe inshuwaransi yayifupi. Ngati muli ndi zinthu zomwe zidalipo kale monga mphumu kapena matenda ashuga, mwina simukuyenera kulandira chithandizo chamankhwala kwakanthawi kochepa. Zomwezo zimaperekanso thanzi lamisala komanso zamisala. Ndipo zikapezeka kuti munali ndi vuto lomwe simunadziwe kapena kuyika bokosi lolakwika munjira yolembetsayo mwachangu? Mutha kukhala opanda mwayi. Ndondomeko zachipatala zazifupi sizigwirizana ndi ACA, kotero kuti inshuwaransi atha kuwunikiranso zomwe mudanenapo kale zamankhwala - kuphatikiza asanakudzazeni - kuti adziwe ngati mudali ndi vuto lakale.

Kuphatikiza apo, thanzi labwino lomwe anthu amafuna kuchokera ku inshuwaransi yawo yazachipatala. Ntchito zamankhwala monga maulendo azachipatala omwe amapezeka nthawi zonse komanso mankhwala omwe amaperekedwa ndi omwe amapatsidwa mankhwala nthawi zambiri samachotsedwa pazolingalira zazifupi. Muthanso kuchepa ndi kuchuluka kwa mapulani anu, mwina chaka chimodzi kapena tsiku limodzi, mwachitsanzo, kukwera kwanu ambulansi kumawononga $ 500, koma inshuwaransi yanu yayifupi ikhoza kukhala ndi $ 300 yantchito zadzidzidzi. Chifukwa chake ndalama zomwe mumalandira mwezi uliwonse zitha kukhala zotsika mtengo, mutha kumawononga ndalama zochulukirapo mthumba kuposa momwe mudapangira ndalama mukafunika kufunafuna chisamaliro kapena mwadzidzidzi.

Kutengera pomwe dongosolo lanu litha, mutha kupezekanso popanda zosankha zina. Ngati dongosolo lanu lalifupi limatha kunja kwa nthawi yolembetsa ya ACA, mutha kukhala osayenerera mpaka lotsatira, popeza kutha kwakanthawi kochepa sikukuwerengedwa kuti chochitika choyenerera chomwe chimalola Nthawi Yolembetsa Yapadera . Izi zitha kutanthauza nthawi yayitali pomwe mulibe inshuwaransi yazaumoyo konse.

Kodi inshuwaransi yayifupi ndi lingaliro labwino? Chidule cha zabwino ndi zoyipa
Ubwino	Kuipa
Ndalama zotsika mtengo pamwezi kuposa mapulani onse	Ndalama zotulutsira mthumba zitha kukhala zapamwamba chifukwa cholemba zochepa
Kuphunzira pomwepo kuti mutha kuletsa nthawi iliyonse	Zowonjezera zowopsa zakusowa mwayi wolembetsa
Mapulani a munthu aliyense komanso mabanja alipo	Sikuti imafotokoza zomwe zidalipo kale, matenda amisala, chisamaliro chodzitetezera, kapena mankhwala

Momwe mungapezere dongosolo la inshuwaransi yanthawi yayitali

Ngati mukuganiza kuti mapulani a inshuwaransi yanthawi yayitali komanso kufunika kofunikira kwambiri ndiye njira yabwino kwambiri kwa inu, chinthu choyamba ndikupeza ngati alipo m'boma lanu. Ngati mukukhala m'maiko otsatirawa, sipangakhale mwayi waufupi:

• California
• Colorado
• Hawaii
• Massachusetts
• New York
• New Jersey
• Rhode Island
• Vermont
• Connecticut
• New Mexico

Ngati mapulani ali kupezeka m'dera lanu, ndibwino kuti muzindikire zinthu zingapo: nthawi yofikira, monga mayiko ena ali ndi malire afupikitsa kuposa ena; malipiro anu apamwezi adzakhala otani; ndi ndondomeko yabwino yosindikizira.

Mtengo wa inshuwaransi yaifupi

Pakadali pano, mapulani a inshuwaransi yayifupi ali pafupi 224% yotsika mtengo kuposa momwe ACA ikukonzera, ndibwino kuti muwonetsenso zomwe mwasankhidwa kapena mankhwala omwe mungakhale nawo. Mwachitsanzo, ngati mumalandira chithandizo chamankhwala chaka chilichonse kapena mumalemba mankhwala pafupipafupi, mudzafunika kuphatikizira ndalama zomwe mumawonongera mukamapeza ndalama zokwanira kutuluka m'thumba.

Ndipo zowonadi, kugwiritsa ntchito SingleCare, ngakhale mutakhala ndi inshuwaransi yayifupi kapena oyenerera ku ACA, zingakuthandizeni kusunga pamankhwala.

WERENGANI ZOTSATIRA: Momwe mungapezere inshuwaransi yazaumoyo