Izinketho ze-Intshumo yezeMpilo Xa Umqulu wakho uphela
Ukuba i-inshorensi yakho yempilo ivela kumsebenzi womlingane wakho, unokulahlekelwa loo ngxelo xa ehamba kwi-Medicare. Kungekudala, le nto yayiyingozi kwaye ibiza, kodwa izinto zitshintshile. Ngoku unokhetho oluninzi lwe-inshorensi yezempilo ukuba ulahlekelwa yinshurensi yakho yezempilo kuba iqabane lakho lifumana unyango.
Umshuwalense wezeMpilo oSebenzayo
Ukuba unomsebenzi onika i-inshorensi yempilo kodwa ukhethe ukuyeka ukuba yinshuwalense yezempilo, uza kufumana ithuba lokubhalisa okhethekileyo kwindawo yakho yokusebenzela.
Oku kuya kukuvumela ukuba ubhalise kwi-inshorensi yempilo yakho esekelwe kumsebenzi nangona kungabhaliswa ngokuvulelekileyo kunoma ubani. Izihlandlo ezizodwa zokubhalisa zikhawulelwe ixesha, ngokuqhelekileyo iintsuku ezingama-30-60, ngoko ungalindi ixesha elide. Ukuba uyaphuthelwa, kuya kufuneka ulinde kuze kube yithuba elilandelayo lokubhalisa elivulekile ukuba ubhalise.
COBRA
Ukuba isicwangciso sezempilo somlingane sakho silawulwa ngumthetho weCOBRA , uya kulungele ukuqhubeka nesicwangciso sakho sempilo sangoku kwiinyanga ezili-18 ngokusebenzisa i-COBRA.
Ukuba ukhetha i-COBRA yokuqhubekeka kwenkcazo, uya kufuneka uhlawule iiprayimari zenyanga. Ezi ziza kuba zikhulu kune-premium ezazisetyenziswa ukuhlawula umlingane wakho we-inshorensi. Ngo-COBRA, umqashi wakho umyeni wakho akasayi kuhlawula inxalenye ye-premium yomshuwalense wezempilo nganye ngenyanga. Uya kuhlawula inxalenye oyihlawulayo kunye nenxalenye yomqeshi womlingane wakho osetyenziswa ukuhlawula. Uya kuphinda uhlawule iipesenti ezimbini zeepesenti ngenyanga.
Akukho kuphela uhlobo lwe-COBRA olubiza kakhulu , lusexeshana. Ukuba awuyi kufaneleka kwi-Medicare ngokwakho kwiinyanga ezili-18, kuya kufuneka ufike esinye isicwangciso sokubhengezwa xa i-COBRA yokuqhubela igalelo iqhubeka.
Thenga i-inshorensi yempilo kwi-Intanethi yeeNtsholongwane zeMpilo
Ngombulelo kuMthetho woNonophelo ongenakunceda, ungathengisa umgaqo-nkqubo womshuwalense wangebucala, wempilo yomshuwalense wezempilo .
Ukuba utshintshiselwano lwempilo yomshuwalense awunalo ukubhaliswa okuvulekileyo xa ulahlekelwa ngumtshato wakho, ungakhathazeki. Ukulahlekelwa ngolu hlobo luza kukunika ithuba lokubhalisa ixesha elilodwa elingabikho kwi-inshurensi yezempilo.
Ukuba unemivuzo enokuthobeka, unokufumana inkxaso - mali ukuze uncede ukuhlawula ii-premium zomshuwalense wenyanga. Ukuba ingeniso yakho iphantsi, unako ukufumana izaphulelo zenkxaso-mali ngeendleko ezinokwabelana ngeendleko ezifana nokuncitshiswa, i-copays kunye ne-coinsurance . Faka isicelo se-subsiders ngokutshintshiselana njengoko uthengela i-inshurensi yezempilo. Funda kabanzi malunga nenkxaso-mali ye-inshurensi yezempilo:
Thenga i-inshurensi yempilo ngokukhawuleza
Utshintsho lwempilo yomshuwalense wezempilo yakho yeyona nto yindawo ongayithenga ngayo umgaqo-nkqubo we-inshurensi yempilo. Ngokomzekelo, ungathenga umgaqo-nkqubo nge-private health exchange exchange like eHealthInsurance.com. Unokuthenga i-inshorensi yempilo ngqo kwiinkampani zomshuwalense wezempilo. Nangona kunjalo, kwamanye amazwe, awuyi kukwazi ukufumana i-inshorensi yempilo ngaphandle kokuba ufumane isicwangciso kwi-inshurensi yempilo yomshuwalense.
Unokusebenzisa i-inshorensi ozimelayo ukukucebisa kwaye uncede uthenge i-inshorensi yempilo. Uninzi, kodwa kungekhona zonke, i-inshorensi ziyakwazi ukunceda ukuthenga isicwangciso esibhalwe kwi-inshurensi yempilo yomshuwalense.
Ingaba uthengisa isicwangciso ngasese okanye kwi-inshurensi yoshishino lomshuwalense wezempilo, iinkampani ze-inshorensi azivumelekanga ukuba zihlawulise ngakumbi ngenxa yokuba unesimo sengxaki okanye imeko yezempilo.
Uxilongo
Ukuba ingeniso yakho iphantsi ngokwaneleyo, unakho ulungele i-inshorensi yempilo enikwe urhulumente ngokusebenzisa iMedicaid . Kwamanye amazwe, inkqubo yeMedicaid ihamba ngegama elinye nje ngeLungu eliKhuselekileyo e-Oklahoma okanye e-Medi-Cal eCalifornia. Kulula ukudibanisa i- Medicaid ne-Medicare , kodwa iiprogram ezihlukeneyo kunye neenzuzo ezahlukeneyo kunye neendlela ezifanelekileyo zokufaneleka.
Kwimihlaba emininzi, abantu abanomvuzo ophantsi ofikelela kwi- 138% kwinqanaba lehlwempu lombuso bafanelekile kwiMedicaid.
Inqanaba lobuhlwempu baseFransi litshintsha ngonyaka ngamnye, kodwa ngo-2015, i-FPL ye sibini i-$ 15,930, ngaphezulu xa uhlala e-Alaska okanye eHawaii. Ukuba uhlala kwimeko ephakamileyo iMigcaid Rols ngokuhambelana noMthetho ojongene noNonophelo ongenakunqwenelekayo, uya kuba ufanelekile kwiMediicaid ukuba intsapho yakho yabini inemali engenayo ukuya kuma-21,980 ngonyaka.
Ukuba uhlala kwimeko ekhethiweyo ukuba ungenako ukwandisa imiqulu yayo yeMedicaid, imigaqo yokufaneleka kweMedicaid iya kuba nzima nakakhulu. Ukongeza kwiikhokelo zokufumana iingeniso eziqinileyo, imigaqo yokufaneleka ingabandakanya umlinganiselo wobutyebi bakho kunye nefa. Ulungelelwano lunokuthi lugqibelele kumalungu amaqela afanelekileyo afana nabakhubazekile, abakhulelweyo, abayimfama, abazali bezingane ezincinci, okanye abadala.
Unokufaka isicelo seMedicaid ngokuthe ngqo kwiprogram ye-Medicaid yelizwe. Utshintsho lwempilo ye-inshorensi yezempilo yakho inokukunika ukuba ufanelekile yini kwi-Medicaid. Funda ngeMedicaid kwaye ngubani ovumelekileyo kwimeko yakho.