Ukuba usebenzisa i-inshorensi yezempilo yeCOBRA , amathuba okufumana umtshato, ulahlekelwe ngumsebenzi wakho okanye iqabane lakho lafa. Naliphi na le meko inokukwenza ukuba imali yakho ibe nzima kwaye iinqununu zakho zinzima kunokuba ziqhele ukuhlawula. Ngokufanayo, ukuxinezeleka kwezi meko kunokukwenza ukuba ulungele ukulandelwa kwenkcazelo apha okanye apha.
Nangona umhla wokugqibela wokuhlawula i- premium yakho ye- inshorensi ye-COBRA yinkcazelo embi ukulibala, awuyena mntu wokuqala ukukhawuleza ukuhlawula i-premium ye-COBRA.
Imiphumo yokuhlawula ngokukhawuleza i-COBRA inokuthi ivela kwindawo encinci yokulahlekelwa ngokusisigxina i-COBRA. Yintoni eyenzekayo kwimeko yakho kuxhomekeke ekubeni usufikile kwi-premium yakho yokuhlawula i-premium premium okanye ngokukhawuleza ngentlawulo ye-COBRA eqhubekayo.
Kungekudala ukuhlawula i-COBRA Premium yakho yokuqala
I-premium yakho ye-COBRA kufuneka ihlawulwe kwiintsuku ezingama-45 kwithuba okhethayo ukukhutshwa kwe-COBRA. Umlawuli wakho we-COBRA uya kuqwalasela umhla wakho we-COBRA isaziso sokhetho esikhankanywe ukuba ube ngumhla okhethayo i-COBRA. Lelo phawusta libeka i-clock day-day.
Le ntlawulo yokuqala ye-COBRA iya kuba yindleko kuneentlawulo zenyanga ezizayo kuba zihlala zihlanganisa iinyanga ezingaphezulu kweenyanga ze-inshorensi yezempilo. Faka imali eyaneleyo ukuze uhlawule iipresimenti zakho ukususela ngomhla olahlekelwe ngumyinge ngenxa yesiganeko sakho esifanelekileyo se-COBRA ngomhla okhe wanyula i-COBRA.
Ngokomzekelo, ukuba ulahlekelwa ngumyinge ngo-Meyi 1 kwaye uthumele ifom ye-COBRA yakho ngo-Juni 15, i-premium yakho yokuqala kufuneka ihlawulwe kwiintsuku ezingama-45 kuJuni 15.
Kufuneka ufakele imali eyaneleyo yokugubungela i-inshorensi yakho ye-COBRA ukususela ngoMeyi 1 kuya kuJuni 15.
Akukho xesha lobabalo xa usuhlawule ukuhlawula intlawulo yokuqala ye-COBRA yakho yokuqala. Ukuba ayihlawulwa ngexesha, ulahlekelwa lilungelo lakho lokuba ne-COBRA; Uya kufuneka ufumane ezinye iinketho ze-inshorensi yezempilo okanye awuyi kuqinisekiswa .
Ukuhlawula ngokukhawuleza Ukuhlawula i-inshorense ye-COBRA yezempilo
Nangona iintlawulo ze-premium ze-COBRA eziqhubekayo kufuneka zihlawulelwe ngomhla othe isicwangciso sithi zifanelekile, unesimo esincinci ngakumbi kunokuba wenza ngokuhlawulwa kwakho kwe-COBRA yokuqala. Kukho ixesha elincinci leentsuku ezingama-30 zokubakholwa kweentlawulo ze-premium. Ukuba awuyi kuyenza intlawulo yakho yepayimenti ngethuba okanye kwixesha le-30 lomusa, ukukhutshwa kwakho kungakhanselwa ngokusisigxina.
Yintoni eyenzekayo xa wenza intlawulo yakho yeprayimenti ngokukhawuleza, kodwa usengaphaya kwexesha eli-30 lomusa? Ingxelo yakho iya kucinywa, kodwa uyayibuyisela .
Ukuba isicwangciso sakho sezempilo asizange sifike inkokhelo yakho ngomhla ofunekayo, unelungelo lokukhansela uhlaselo lwakho ngosuku lokuqala lolo hlobo lokubhengezwa. Nangona kunjalo, kufuneka ubuyisele kwakhona ingxelo yakho xa wenza inkokhelo yakho kwisithuba seentsuku ezingama-30. Ukubuyiswa kokubuyiswa kuya kubuyela emva kwosuku lokuqala lolo hlobo.
Umzekelo
Masithi usuhlala ku-COBRA ukuqhubeka kwomshuwalense wezempilo kwiinyanga ezili-6. Isicwangciso sakho sezempilo sisetyenziselwa umhla we-25 kuMeyi ngomhla wokugqibela we-premium yakho yokulungiselela ukususela ngoJuni 1 ukuya kuJuni 30. Ulahlekelwa ngumhla wokugqibela wama-25. Inkonzo yakho yomshuwalense wezempilo iyakhanselwa ngoJuni 1.
Uphule i-ankle yakho ngoJuni 10 kwaye udibanise i-bill ye-emergency room ye-$ 4,000.
Ngomhla ka-Juni 15, udibanisa iposi ngeposi, thumela intlawulo ye-COBRA yakho emva kwexesha eli-30 lobabalo. Inkampani yakho yinshorensi yempilo kufuneka ibuyisele kwakhona ingxelo yakho. I-coverage ibuyele kwiJuni 1.
Kwiintsuku ezimbalwa emva kokuthumela intlawulo yakho ye-COBRA emva kwexesha elide, ufumana ibhilikhi evela kwigumbi elingxamisekileyo uthi unetyala le $ 4,000. Ibarraki ye-billing ye-urgence ithi ibango lakho liphikisiwe ngenxa yokuba i-inshorensi yakho yezempilo ayiphumelelanga ngomhla owamkela unonophelo.
Uchaza ukuba uhlawule i-premium yakho ye-COBRA ekupheleni kwexesha, kodwa kwithuba lobabalo, kwaye i-inshorensi yakho ye-COBRA yabuyiselwa kubuyiselwe kwi-Juni 1.
Ucela ukuba angenise ibango kwi-insurer kwakhona. Ngeli xesha, i-inshurensi yakho yempilo ihlawula isabelo sayo yowiso-mthetho, ekushiye ukuhlawula imali yakho kunye ne- coinsurance .
Ukuba ubukade ulinde ukuya kuJuni 26 ukwenza i-premium yakho ye-COBRA yokuhlawulwa kwe-premium, ubuya kuba ngaphaya kwexesha leentsuku ezingama-30 kunye nekharityhulam yakho ye-COBRA iya kukhutshwa ngokusisigxina. Ubungayi kuqinisekiswa, kwaye awuyi kuba ncedi ehlawula loo ntlawulo ye-ER. Isikhathi somusa sosuku lwama-30 sisilinganiswa kwi-premium yosuku olufunekayo, kungekhona ekuqaleni kwexesha lokubhengezwa.
Funda ngakumbi malunga neCOBRA
Iindlela ezingasetyenziswayo kwi-Inthanethi ye-COBRA
I-COBRA Vs I-Obamacare-Yiyiphi Engcono?
Ingakanani Imali Yomshuwalense Wezempilo E-COBRA?
Imithombo
Imibuzo ebuzwa rhoqo: Umgangatho wezeMpilo weCOBRA, i-United States Isebe lezabasebenzi. http://www.dol.gov/ebsa//faqs/faq_compliance_cobra.html
Isikhokelo somqeshi kwiNkcazo yokuHlaliswa kwezeMpilo phantsi kweCOBRA - UMthetho wokuQinisekiswa koHlahlo lwabiwo-mali we-Omnibus ka-1986, iSebe lase-United States lezithuba zabasebenzi, uLawulo lweZibonelelo zoKhuseleko lweMisebenzi. http://www.dol.gov/ebsa/pdf/cobraemployer.pdf