Okukhululekile kunye Nento engekho
Ngombulelo kuMthetho wokuNakekelwa ongenakunqwenelekayo , abaqinisekisi bempilo e-US kufuneka baqaphele ukunakekelwa kwezempilo kubango bobabini kunye nabantwana ngaphandle kokufuna ukuba uhlawule i- deductible , ikhoayment, okanye i- coinsurance .
Nangona kunjalo, oko kubalulekayo njengonyango lokukhusela kunokudideka. Nalu uluhlu olusekelwe kwixesha leenkonzo zokunyamekela abantwana, ukuba, ukuba unyanzeliswa ngugqirha wengane yakho, kufuneka ihlawulwe yinshuwalense yempilo yengane yakho ngaphandle kokubelana ngeendleko .
Abantu abadala banoluhlu oluhlukileyo .
Ukunyamekelwa kwabantwana abaKhuselekileyo ngaphandle kweNkxaso-mali
Iintsana
- Ukuvavanya ukuCoca
- I-gonorrhea yokukhusela imithi emehlweni
- Isilingo seSickle okanye i-hemoglobinopathy
- Ukuhlola i-Hypothyroidism
- Ukuhlolwa kwePenylketonuria (PKU)
Iinyanga ezili-0-11 ubudala
- Uvavanyo lokuziphatha
- Ukuxilongwa kwegazi
- Ukuphakama, ubunzima, kunye nomlinganiselo wemiqondiso yomzimba
- Imbali Yonyango
- Uvavanyo lwengozi lwempilo yomlomo
- Ukuhlolwa kweT Tuberculin ukuba umntwana wakho usengozini enkulu yesifo sofuba
- Ukuphonononga okuphuhlisayo
- I-Iron supplement for children ages 6 to 12 months if they are in danger of anemia
Iminyaka eyi-1-4
- Uvavanyo lokuziphatha
- Ukucinywa kwengcinezelo yegazi
- Ukuphakama, ubunzima, kunye nomlinganiselo wesilinganiselo somzimba
- Imbali yonyango
- Ukuhlolwa komngcipheko wempilo yomlomo
- Ukuvavanywa kwe-tuberculin ukuba umntwana wakho unobungozi obuninzi besifo sofuba
- Ukuhlolwa kwesifo se-dyslipidemia ukuba umntwana wakho usemngciphekweni ophezulu we-lipid disorder
- Ukuhlolwa kwe-Autism kwiinyanga ezili-18 kunye neenyanga ezingama-24
- Ukuphonononga ukuphuhlisa abantwana abangaphantsi kweminyaka emithathu ubudala
Yobudala 5-10 iminyaka
- Uvavanyo lokuziphatha
- Ukucinywa kwengcinezelo yegazi
- Ukuhlolwa kwesifo se-dyslipidemia ukuba umntwana wakho usemngciphekweni ophezulu we-lipid disorder
- Ukuphakama, ubunzima, kunye nomlinganiselo wesilinganiselo somzimba
- Imbali yonyango
- Ukuhlolwa komngcipheko wempilo yomlomo
- Ukuvavanywa kwe-tuberculin ukuba umntwana wakho unobungozi obuninzi besifo sofuba
Iminyaka eyi-11-14
- Uvavanyo lokuziphatha
- Ukucinywa kwengcinezelo yegazi
- Ukuhlolwa kwesifo se-dyslipidemia ukuba umntwana wakho usemngciphekweni ophezulu we-lipid disorder
- Ukuphakama, ubunzima, kunye nomlinganiselo wesilinganiselo somzimba
- Imbali yonyango
- Ukuvavanywa kwe-tuberculin ukuba umntwana wakho unobungozi obuninzi besifo sofuba
Ubudala 15-17
- Uvavanyo lokuziphatha
- Ukucinywa kwengcinezelo yegazi
- Ukuhlolwa kwesifo se-dyslipidemia ukuba umntwana wakho usemngciphekweni ophezulu we-lipid disorder
- Ukuphakama, ubunzima, kunye nomlinganiselo wesilinganiselo somzimba
- Imbali yonyango
- Ukuvavanywa kwe-tuberculin ukuba umntwana wakho unobungozi obuninzi besifo sofuba
A bantwana
- Uvavanyo lokusetyenziswa kotywala kunye neziyobisi
- Ukuhlolwa kwentambo ye-cervical dysplasia yamabhinqa asebenza ngokwesondo
- Ukucima ukunyanzeliswa
- Ukuhlolwa kwe-HIV xa kunobungozi obungakumbi
- Ukuhlolwa kwintsholongwane kaGawulayo kunye nokukhusela iingcebiso zokuthintela xa kunobungozi obungakumbi
Yonke iminyaka ukususela ekuzaleni ukuya kwiminyaka eyi-18, okanye ingekho iminyaka yobudala
- I-Fluoride supplementary for children without fluoride kwimithombo yabo yamanzi
- Ukuhlola i-Hematocrit okanye i-hemoglobin
- Inkqubo yokuhlola abantwana kubungozi bokungcola
- Ukujongana nokunyameka nokucetyiswa
- Ukubonwa komboniso
- Ukugonywa njengoko kunconywe kusekelwe kwiminyaka yobudala kunye nabemi
- I-Diptheria, i-tetanus, i-pertussis
- Haemophilus influenzae uhlobo b
- I-Hepatitis A
- I-hepatitis B
- Human Papillomavirus
- I-Poliovirus engasebenzi
- Influenza
- Iimpawu
- Meningococcal
- Pneumococcal
- Rotavirus
- Varicella
Ukunyamekela okuKhuselekileyo okungenanto
Ukuba umntwana wakho unonophelo lwempilo lonakekelo olusebenzisa inethiwekhi yomboneleli , kuvunyelwe ukuhlawula ukwabelana ngeendleko zokunyamekela okukhuselweyo kunikezelwa ngabanikezeli benethiwekhi ngaphandle. Ukuba awufuni ukuhlawula ukunakekelwa kwengane yakho, sebenzisa umboneleli we-in-network.
Ukuba inkonzo yokukhusela ayikhuthazwa ngugqirha wengane yakho kunye
- lilinganiswe "A" okanye "B" kwiinkomfa zangoku ze-United States zokuSebenza zeeNkonzo zokuPhusela, okanye
- enikezelwe kwizikhokelo ezipheleleyo ezixhaswa yiNkxaso yezeMpilo kunye noLawulo lweeNkonzo, okanye
- Kunconywe yiKomidi elicebisi malunga neMigudu yokuLawula amaZiko okuLawulwa kweNtsholongwane kunye nokuKhusela
ngoko ngokuqhelekileyo ayiyi kunikwa ngaphandle kokubelana ngeendleko.
Ukuba i-inshorensi yempilo yengane yiplani yezempilo ekhululekile, ivumelekile ukuba ihlawule ukwabelana ngeendleko zokunyamekela ukukhusela. Uncwadi lwezicwangciso zezempilo luya kukuxelela ukuba isicwangciso sezempilo sizalwe. Ngaphandle koko, ungabiza inombolo yesevisi yabathengi kwikharityhulam ye-ID yomntwana womshuwalense wezempilo okanye uhlolisise isebe lenkxaso yakho yempesheni ukuba impilo yakho yenkxaso yempilo iyasebenza.
Ukunyamekela okuKhuselekileyo akunakhululwa ngokukhululekileyo
Nangona i-inshorensi yempilo yakho yomntwana kufuneka ihlawule iinkonzo zezempilo zokukhusela ngaphandle kokuhlawula i-deductible, ikhoyay, okanye i-coinsurance, oku akuthethi ukuba ezo nkonzo zikhululekile. Umshuwalense uthatha iindleko zeenkonzo zokunakekela ukhuseleko xa zibeka amanani e- premium ngonyaka.
Nangona ungayikhokheli iindleko zokwabelana ngeendleko xa umntwana wakho efumana unyango lokukhusela, indleko zale nkonzo zihlanganiswe kwiindleko zeminshuwalense yezempilo. Oku kuthetha ukuba ingaba umntwana wakho ufumana unyango olukhuselweyo olukhuselweyo okanye uyawuhlawula ngokukodwa ngeendleko zee-premium zezempilo.
> Imithombo:
> I-FAQ engabonakaliyo yoMthetho wokuPhathwa kweeNkqubo zokuSebenza - Setha i-12, Isiko soLwazi lwaBathengi kunye noLawulo lwe-Intshurensi, amaziko e-Medicare neeNkonzo zeMedicaid.
> I-FAQ engabonakaliyo yoMthetho wokuPhathwa kweeNtsebenziswano - Ukubeka i-18, Isiko soLwazi lwaBathengi kunye noKongamela i-inshurensi, amaziko e-Medicare kunye neenkonzo zeMedicaid.
> Ii-FAQ malunga noMthetho wokuNakekelwa koNonophelo olungabonakaliyo (ICandelo lama-XXVI), uLawulo lweZibonelelo zoKhuseleko lwaBasebenzi, i-United States Isebe lezabasebenzi.
> IiNkonzo zezeMpilo eziSebenzayo kubantwana, kwiMpiloCare.gov.