Izinketho ze-Inshorensi yezeMpilo kubantu abadala abasebekhulile beCwangciso soMzali
Ukuba uneminyaka engama-26 ubudala, unokufumana kwi-inshorensi yezempilo. Ngaphantsi kwemiqathango ye-ACA, abazali bakho abanakukugubungela phantsi kwesicwangciso sabo sempilo emva kokuba ubeneminyaka engama-26 (nangona amazwe avunyelwe ukubeka imithetho yabo ngokukhawuleza ukuba ayinakukhuphela ngaphandle kwe-ACA; umzekelo, iNew Jersey ivumela abantu abadala ukuhlala kwisicwangciso somzali kude kube ngu-31).
Nangona kunjalo, kwiminyaka engama-26 ubudala, abaninzi abaselula abanalo msebenzi oqinileyo kunye nomsebenzi wesikhathi esigcwele onokufumana uncedo lwe-inshurensi yempilo.
Ukuba le yimeko yakho, unokhetho oluninzi lokufumana inshuwalense yezempilo xa uvula iminyaka engama-26 ubudala.
Thenga iSicwangciso soTshintsho lweNtshuwalense yeMpilo yakho
Unokuthenga i-inshorensi yempilo kwishishini lomshuwalense wezempilo . Ukuba unemivuzo enokuthobeka, unako ukufumana inkxaso yenkxaso karhulumente ukuze uncede ukuhlawula iiprayimari zenyanga. Ngomntu oyedwa, ukufaneleka koxhaswa kufikelela kwimali engenayo ye-47,520 $ ngo-2017, kodwa kwezinye iindawo, iiprayimari zisezantsi ngokwaneleyo ukuba ukufaneleka kwemali-mali kunqamle kwi-threshold. Uzakufuna ukusebenzisa ithuluzi lokutshintshiselana lokutshintshela ukuze ubone amaxabiso ngqo kwindawo yakho ngokusekelwe kwingeniso yakho.
Ngokuxhomekeke kwingeniso yakho, unakho ukufumana inkxaso-mali enokunciphisa iindleko zakho ezingaphandle kwee-pocket (kufuneka ukhethe isicwangciso sesilivere ekutshintsheni ukuze ufumane olu luncedo olongezelelweyo; ukuba unelungelo, inkxaso iya kubandakanywa xa ukhetha icebo).
Unonophelo olungabonakaliyo Umthetho we- inshurensi yezempilo ayikuvumeli ukuba ubhalise kwi-inshurensi yempilo naluphi na ixesha ukhetha. Ngokuqhelekileyo, uvumelekile ukuba ubhalise ngexesha lokubhalisa okuvulekileyo okwenzeka ekwindla nganye.
Nangona kunjalo, ekubeni ulahlekelwa yintlawulo yomshuwalense wezempilo yangoku ngenxa yokuguga kwisicwangciso somzali wakho, uya kufumana ithuba lokubhalisa okhethekileyo xa uvula i-26.
Oku kuya kukunika iintsuku ezingama-60 ngaphambi kokuba isicwangciso sakho siphele-kunye neentsuku ezingama-60 emva kokuba iphelile-ukubhalisa kwisicwangciso sezempilo kwintsebenziswano nokuba ingaba ubhaliso oluvulekile. Ukuba uyaphuthelwa le fayili ekhethiweyo yokubhalisa iwindi, uya kufuneka ulinde kuze kube yithuba elizayo lokubhalisa ukuthenga i-inshurensi yezempilo kwishishini lomshuwalense wezempilo.
Qaphela ukuba ixesha lokubhalisa okhethekileyo kulo mzekelo lisebenza ngaphandle kokutshintshiselana , kodwa uncediso alufumanekanga ngaphandle kokutshintshiselwa, ngoko akuyiyo inketho omele ukuyisebenzisa ukuba ingeniso yakho ingenza ufumane inkxaso-mali.
Umgangatho wokuqhubeka weCOBRA
I-COBRA ngumthetho ovumela ukuba uqhubeke ne-inshorensi yempilo yakho yangoku kwiinyanga ezili-18 ukuya ku-18 emva kokuba usukhulile kwisicwangciso sezempilo somzali wakho, ulahlekelwe ngumsebenzi wakho, okanye uqhawule umtshato. Azikho zonke izicwangciso zezempilo kufuneka zinikeze i-COBRA yokuqhubela phambili, nangona kunjalo. Funda ukuba isicwangciso sakho sempilo kufuneka sinikele nge-COBRA .
Nantsi indlela iCOBRA isebenza ngayo. Wena okanye abazali bakho yazisa isicwangciso sezempilo oya kuba ulahlekelwa ngumyinge ngenxa yokulahlekelwa yimo yakho exhomekeke kuyo. Isicwangciso sempilo siyakuthumela ulwazi oluchaza indlela yokuqhubela phambili yakho ingxelo. Uya kuba neentsuku ezingama-60 ukuba ukhethe ukuqhubekela phambili kwi-COBRA. Ukuba awuyi kukhetha loo nto kwiintsuku ezingama-60, uya kulahleka ithuba lakho ngonaphakade.
Uya kufuneka uhlawule iipresimari zenyanga zenyanga ze-COBRA, kunye neendleko ezininzi . Okwangoku, umzali wakho unesabelo (okanye kwezinye iimeko, zonke) i-premium yenyanga efunyenwe ngaphandle kokuhlawula kwakhe. Kodwa isahlulo se-premium sinokukhutshwa ngumqeshi wakho womqeshi (nangona amanye imibutho ifuna abasebenzi ukuba bahlawule iindleko ezipheleleyo zokongeza abaxhomekeke kwisicwangciso). Xa uthabatha i-COBRA, umqeshi wakho umqeshi akanalo negalelo kwi-premium ye-coverage yakho. Kufuneka uhlawule zombini inxalenye umzali wakho ehlawulayo kunye nenxalenye yomqeshi wakho umvuzo.
Ukongeza, uya kufuneka uhlawule umrhumo we-2% wezolawulo.
Uhlawula iimpumula zenyanga ze-COBRA ngokukhawuleza ukuba uhlahlo lwe-COBRA yakho luhlala, ngokuqhelekileyo iinyanga ezili-18. Ukuba ulahlekelwa intlawulo ye-premium ye-COBRA , i-COBRA yakho igqityiwe kwaye awukwazi ukuyibuyisela. Ukuba ufumana enye i-coverage, ungakhansela i-COBRA yakho kwinqanaba xa ungathanda. Kodwa ukuba uthatha i-COBRA, awunakho ukufikelela kwixesha elithile lokubhalisa kwiimarike (ngokwenza utshintshiselwano okanye utshintshiselwano).
Funda kabanzi malunga ne-COBRA yokuqhubekeka kwenkcazo evela kwiSebe lezeMisebenzi kwi "Isikhokelo somqeshwa kwiNzuzo yezeMpilo phantsi kweCOBRA."
Umshuwalense wezeMpilo ngokusebenzisa umsebenzi wakho
Ukuba usebenza kwaye umqeshi wakho unika i-inshurensi yezempilo, unokufumana ilungelo lomshuwalense wezempilo xa ulahlekelwa yinshurensi yakho yangoku. Ukuba awucingi ukuba ungabhalisa kwi-inshurensi yezempilo yakho kwindawo yokusebenzela ngenxa yokuba ayikho ixesha lokubhalisa elivulekile, cinga kwakhona. Ukulahlekelwa ngumyinge womzali wakho kuya kukunika ithuba lokubhalisa okhethekileyo kwiindawo zakho zokusebenza, ucinga ukuba unelungelo lokufumana ingxelo phantsi kwesicwangciso somqeshi wakho. Uya kuba neentsuku ezingama-30-60 ukuze ubhalise.
Kungenxa yokuba ufumana umsebenzi akuthethi ukuba uza kufumaneka ngokufanelekileyo ngokusemthethweni kwi-inshurensi yempilo kwindawo yakho yokusebenzela. Ngokomzekelo, abaqeshi abaninzi bafuna ukuba usebenze inani elincinci leeyure zomsebenzi ngeveki ukuze ufaneleke kwiinshorensi yezempilo. Uya kufuneka uhlangabezane nale mfuneko ngaphambi kokuba uvumeleke ukubhalisa, nangona ixesha lokubhalisa okhethekileyo.
Nangona ufanelekile, i-inshorensi yempilo esekelwe kwimisebenzi ayidla ngokukhululeka. Umqeshi wakho uya kuthatha isabelo sakho seendleko zeepriyamu zenyanga emva kokuhlawulwa kwakho, ngoko lindele ukuhlawula okuncinci. Oku kuthethi, ubuncinane umqeshi wakho ubandakanye inxalenye yeendleko zemali-mali yakho yee-inshorensi. Nge-COBRA, uhlawula i- premium yakho ngokwakho. Kwaye ukuba ubhalisa kwisicwangciso ngokutshintshisana kodwa imali yakho engenayo iphakamileyo kakhulu ukuba ube ne-subsidy-efanelekile, uya kuba uhlawula i-premium ngokwakho.
Uxilongo
Ukuba ingeniso yakho iphantsi, unakho ukufaneleka kwi- Medicaid , inkqubo ehlangene karhulumente / inkqubo yentlalontle yoluntu enika i-inshurensi yempilo kwabanye abahlali abahlelelekileyo okanye abafumana imali engenako. Umele ube ngumhlali wezomthetho apho ufaka isicelo sokubhengezwa, kwaye i-Medicaid ayidla ngokunika ingxelo yokunika abafuduki ngokusemthethweni baze babe se-US iminyaka emihlanu.
Kukhokelo oluthile, urhulumente ngamnye ubeka imithetho yakhe ngokubhekiselele kumntu ofanelekileyo kwi-Medicaid kwaye ongenalo. Ukuba ingeniso yakho yi-138% yezinga lokuhlwempuzeka kwinqanaba eliphantsi okanye uya ngaphantsi, uya kufumana iMediicaid kwii-31 zombini kunye neSithili sase-Columbia. Kwimimandla eseleyo, ukulungelelanisa iMedicaid kunzima kwaye kunqongophe kubantu abathintekayo njengabesifazane abakhulelweyo, abakhubazekileyo, abayimfama, okanye abadala (phawula ukuba nangona iWisconsin iphakathi kwamazwe angazange awandise iMedicaid phantsi kwe-ACA, ayenzi abanalo igalelo lokufihla ; abahlali abancinci baseWisconsin banelungelo lokufumana iMedicaid okanye inkxaso-mali ye-premium ngokutshintshiselana, kuxhomekeke kwimali engenayo).
IiNyanga, ama-deductibles, i- copays, kunye ne-coinsurance ngokuqhelekileyo kakhulu kakhulu xa unesiXhosa. Iiprogram ezininzi zeMedicaid azihlawulisi nayiphi na iiprimiyamu (nakuba abanye bekwenza, kubhalisa ngenzuzo engenayo kwintlupheko), kunye nokwabelana ngeendleko (i-copays, njl. Njl) kuncinci kubantu ababhalise kwiMedicaid.
Funda kabanzi malunga nendlela i-Medicaid isebenza ngayo kwimeko yakho ngokukhetha imeko yakho kule mephu echaphazelekayo.
WezeMpilo
Ukuba ukholeji, unakho ukufumana i- inshurensi yempilo yengqesho ngeyunivesiti yakho. Ezinye iifunivesithi zifuna ukuba uthathe umthwalo othile weklasi ephantsi ukuba ufaneleke. Hlola ulwazi oluthe ngqo lwe-coverage ukuqinisekisa ukuba lwanele, kubandakanya ukukhutshwa xa uza kuba eholide kwaye mhlawumbi ngaphandle kwedolophu ixesha elide.
Alumni Association, i-Trade Association, kunye nezinye izinto
Awufanelekanga kwimpilo yabafundi ngenxa yokuba awuyena umfundi kwakhona? Amanye amaqumrhu alumni anika inshuwalense yezempilo kumalungu awo. Hlola neyunivesithi ye-alumni association.
Uziqeshile? Hlola nombutho wakho wezorhwebo ukuba unelungu lezorhwebo. Hlola ngeklasi lakho lorhwebo xa uneshishini lakho elincinci. Enye yale mibutho inikezela izicwangciso zezempilo zeqela kumalungu azo. Ukongezelela, amashishini amancinci angakwazi ukuthenga i-inshorensi yempilo kwi-SHOP ye-inshurensi yezempilo yoshishino.
Unokuhlola ezinye iinkqubo ze-inshorensi zempilo ezindala-ezempilo usebenzisa umthengisi we-inshurensi yempilo eyimfuneko ekhutshwe lizwe lakho. Aba bantu beengcali ekuncedeni abantu ukukhetha isicwangciso sempilo esemgangathweni ehambelana neemfuno zabo. Ukubetheka kwakho kukusebenzisa umthengisi oqinisekisiweyo ngotshintshiselwano kwimeko yakho, ukuze ukwazi ukubona okukhethwa kukho kunye nokucima utshintshi kwaye uqinisekise ukuba ufumana ingxelo efanelekileyo kwiimeko zakho.
Ngaba i-GOP imizamo yokuphinda i-ACA Sitshintshe i-Options kubaLutsha abadala?
Abalawuli be-GOP baye bazama ukuphelisa i-ACA ukususela ekubeni yenziwe, kwaye bachithe u-2017 ukunyusa umthetho oya kuphelisa okanye utshintshe imiba eyahlukeneyo yomthetho. Ukubonelela kwe-ACA evumela ukuba abantu abadala ukuba bahlale kwisicwangciso sezempilo somzali kude kube neminyaka engama-26 kubonakala ngathi bakhuselekile nangona kungekho-iziphakamiso ezinkulu baye bazame ukutshintsha okanye ukususa loo nxalenye ye-ACA.
Kodwa umqulu owenziwe yiSenethi yamaRiphabhulikhi (uMthetho oLungelelaniso loKhuseleko loKhathalelo, okanye i-BCRA) uza kubangela iindleko eziphezulu ezingaphandle kwee-pocket kubantu abazithengela i-inshurensi yabo yempilo (ngokutshintshiselana okanye ngaphandle kokutshintshiselana). I-GOP iphinda imizamo ingabangela ukuba kubekho ukugqithiswa okunamandla okubonelelwa ngabaqeshi abancinci , kuxhomekeke kumanyathelo karhulumente ekuphuculweni kwezempilo.
> Imithombo:
> I-Senate.gov, i-HR1628, uMthetho woNxibelelwano olungcono lweNkcazo ka-2017 , iNgcaciso Yengxoxo. Julayi 20, 2017.