Ukuba isicwangciso sakho senkonzo yomshuwalense we- Obamacare sachithwa ngenxa yokuba ude ukukhawuleza ukuhlawula iimpumlam zomshuwalense wezempilo , kufuneka uqonde oko kwenzekayo kwiibhilikhwe zakho zonyango ezingakhokhelwa, iinketho zakho zokufumana i-inshorensi yempilo ngoku, kwaye ukuba uya kufuneka uhlawule isohlwayo ngenxa yokungaqiniseki.
Yintoni eyenzekayo ngeeNgxelo zakho zonyango ezingakhokhelwa emva kweNtsholongwane yakho yezeMpilo
Ukuba ufumene inkxaso-mali ye-inshorensi yemali yentlawulo ye-premium ukukunceda ukuhlawula i-inshurensi yempilo oyithenge nge- Care Affordable Act, utshintsho lwempilo yomshuwalense, kukho ithuba lokuba unamaphepha enyango ahlawulayo ahlawulwanga yimpilo yakho yangaphambili cwangciso.
Oku kwenzeka ukuba ufumene iinkonzo zonyango lwezempilo ngenkathi uphakathi kweentsuku ezingama-31 neye-90 uhlawule ukuhlawula i- premium yakho ye-inshorensi yempilo.
Emva kokuba uneminyaka engaphezu kweentsuku ezingama-30 uhlawule ngokuhlawula i-premium yakho yempilo yomshuwalense, isicwangciso sakho sezempilo siya kufaka amabango angenayo kwi-"isimo esilindile". Endaweni yokucwangcisa nokuhlawulwa kwezi zibango, ziyabanjwa ngelixa inkampani yomshuwalense ilindele ukuba ubone ukuba uyayifumana kwiintlawulo zakho ze-premium. Ukuba awukwazi ukubamba, i-inshorensi yakho yezempilo iya kukhutshwa xa usufikelele kwiintsuku eziyi-90. Ukukhanselwa kuya kubuyela emva kwexesha elide leentsuku ezingama-31.
Izibango zokunakekelwa kwempilo onayo ngelixa uphakathi kweentsuku ezingama-31 neye-90 uhlawule ngokutsha ukuhlawula iiprimiyam zakho ziya kunqatshwa kwaye umboneleli wezempilo uyakukulindela ukuba uzihlawule. Ekubeni ukukhanselwa kwe-inshorensi yakho yezempilo yabuyiselwa kumhla oye waba yiintsuku ezingama-31 ngokukhawuleza, awuyi kuphinda ufumane isaphulelo sakho kwisicwangciso sezempilo sangaphambili esithethisana nomniki -inethiwekhi wakho .
Enyanisweni, awuzange uncedured xa unenkathalo . Ibhajethi yakho inokuphakanyiswa kakhulu ngaphandle kokuncishiswa kwenethiwekhi .
Ukuba ucinga ukuba oku kwenzeka ntoni kuwe, into eyona nto ongayenzayo ayikho into. Yenza umsebenzi. Yiya kumboneleli wakho wezempilo ngaphambi kokuba u-inshorensi yempilo ipheliswe ngomhla we-91 kwaye uxoxisane ngento.
Abanikezeli abaninzi bathumela ii-akhawunti ezingapheliyo kwi-arhente zokuqokelela, ngoko ukuhluleka ukwenza okuthile kunokuchaphazela amanqaku okuthenga ngetyala kwaye kwenza kube nzima ukufumana ikhredithi kwikamva.
Xa usondela kumboneleli wakho malunga ne-bill engakhokhelwa, qiniseka malunga nemeko yakho. Uninzi lwababoneleli ngeenkonzo zezempilo baya kuxoxisana ngezicwangciso zokuhlawula kuba bafanele bahlawulwe ngokukhawuleza kunokuba bangakhokhelwa nonke. Ukuxoxisana nesicwangciso sokuhlawula kunokugcina i-bill yakho ngaphandle kwezandla ze-ejensi yokuqokelela. Ukuba ufumene unonophelo kwintlangano enkulu efana nesibhedlele, cela malunga nokufumaneka kwesaphulelo sokuzihlawula okanye ukunyamekela.
Isohlwayo sokungaqiniseki
Ukuba uhlala ungaxhaswanga kwiinyanga ezili-3 ezilandelelanayo, unako ukuhlawulwa irhafu xa ufaka irhafu yengeniso yakho ngonyaka ozayo. Isihlomelo sisekelwe kwingeniso yakho kwaye sibalwa rhoqo ngenyanga; uya kuhlawulwa kwiinyanga ozibangenayo i-inshorensi yempilo ubuncinane ubuncinane ngosuku.
- Ingakanani isigwebo sokungabi ne-inshurensi yempilo
- Izinto ezi-9 zokwazi malunga neNtsholongwane ye-Intshuwalense yeMpilo
Kwezinye iimeko, unokufumana ukuxolelwa kwigunya lokufumana i-inshorensi yempilo. Kule meko, uya kuphepheka ukuba uhlawule isohlwayo nangona uhlala ungaxhaswanga.
Izinketho kwiNgcaciso yoMshuwalense wezeMpilo Emva kokuba iPlani leMpilo yakho likhutshwe
Ukulahlekelwa yinshuwalense yakho yezempilo ngenxa yokuba awuzange uyihlawule iiprimiyamu zakho akukufaneleki ukuba ubhalise ixesha elizodwa kwi-inshurensi yezempilo. Ngeke ukwazi ukubhalisela isicwangciso se-Obamacare kwakhona kuze kube yonyaka ozayo wokubhalisa ovulekileyo . Nazi ezinye iindlela zokukhetha i-inshorensi yezempilo okwangoku.
- Uxilongo. Inkqubo yeMedicaid ineemida eziqinileyo zokufumana imali kodwa ivumela ukubhaliswa unyaka wonke kubantu abafanelekileyo.
- Inyhurensi yezempilo-based (ubhaliso lokuqala). Ukuba ufumana umsebenzi obonelela ngomshuwalense wezempilo, uvumelekile ukuba ubhalise ngexesha lokubhalisa lokuqala elimiselwe kungekudala emva kokuba uqale umsebenzi wakho. Ngokufanayo, ukuba iqabane lakho lifumana umsebenzi onika i-inshurensi yempilo yomtshato okanye intsapho, uya kuba nethuba lokubhalisela ukufumana ingxelo phantsi kwomshuwalense wakhe wezempilo-based emva nje kokuqala komsebenzi. Ukuba uneminyaka engaphantsi kwe-25 kwaye omnye wabazali bakho uqala umsebenzi omusha onika iinshorensi zempilo yentsapho ye-inshorensi, uya kukwazi ukufumana ingxelo kuze kube ngu-26 phantsi kwesicwangciso esitsha esisekelwe kumsebenzi womzali wakho.
- Ukuxhaswa kwisejesha-jolise (ixesha lokubhalisa okhethekileyo). Ukuba unenguqu kwimeko yentsapho okanye esinye isiganeko esifanelekileyo, unokufumana ithuba lokubhalisa okhethekileyo kunye nesicwangciso sakho se-inshorensi yezempilo esekelwe kwimisebenzi yakho okanye xa usuphendule loo inshorensi yezempilo ngexesha elidlulileyo. Nangona kunjalo, ukulahlekelwa yinshurensi yakho ye-Obamacare ngenxa yokuba awuzange uyihlawule i-premium ayiyi kukufanelekela ixesha lokubhalisa okhethekileyo. Izinto ezinjengokutshata okanye ukwahlukanisa, nokuba nosana, okanye ukufumana umntwana ziyakulungeleka. Buza kwi-ofisi yakho inzuzo kwiofisi yokufumana uluhlu olubanzi lwezo ziganeko ezifanelekileyo.
- LweMida . Ukuba uneminyaka engama-65, i- Medicare inokuza kukuhlangula. Ukuba wena, umlingane wakho okanye umlingane wangaphambili uhlawule kwinkqubo ye-Medicare ngokusebenzisa i-payroll okanye i-tax-to-employment tax for years to qualify, uya kufaneleka kwi-Medicare xa uvula iminyaka engama-65 ubudala.
- Intsholongwane yezempilo yesikhashana. Nabani na onokuthenga i -inshorensi yempilo yexeshana ngqo kwiinkampani ze-inshorensi yempilo okanye nge-inshente ye-inshurensi. Akukho xesha lobhaliso oluvulekile; ungathenga nanini na. Nangona kunjalo, i-inshorensi yexesha elifutshane ayiyi kukunceda ukuba ugweme isohlwayo sokungaqiniseki. Kwakhona, i-short-term insurerrs yempilo ivumelekile ukusebenzisa i-underwriting kwaye ingathatha imeko ekhoyo ngaphambili, ixesha lakho, amanqaku akho kunye neemeko xa ucwangcisa amaxabiso abo e-premium. Yintoni Omele Uyiqaphele Ngomshuwalense Wexesha Elifutshane Lonyango.
- Ubhaliso olulodwa kwi-inshurensi yezempilo . Ngexa ulahlekelwa isicwangciso sakho se-Obamacare ngenxa yokuba awuzange uyihlawule i-premium yakho ayiyi kubangela ixesha lokubhalisa okhethekileyo kwi-inshurensi yempilo yakho, ezinye iinguqu zokuphila. Ukuba usenokuba utshintsho lobomi obuninzi njengetshintsho kwisayizi lwentsapho, ukuhamba, okanye utshintsho olunzulu kwinqanaba lakho lemali engenayo, khangela nge-inshurensi yakho ye-inshurensi yezempilo ukuze ubone ukuba ufanelekile ukuba ubhalise ixesha elizodwa. Amaxesha okubhaliselwa okhethekileyo aphelelwe ixesha, ngoko ungalindeli.
- Isihlandlo sokubhalisa sonyaka ozayo . Kwindla nganye , Ukunakekelwa koNcedo oluNgenakunqununu Umtshintshi we-inshurensi yezempilo unesiqinisekiso sokubhalisa. Awukwazi ukuguqulwa ngenxa yokuba awuphumelelanga ukuhlawula iimpumlam zomshuwalense wezempilo kwixesha elidlulileyo. Ngeke uhlawule ii-premiums ozozibuyisela emva kweemali, nangona ubhalisa kunye nesicwangciso sezempilo esifanayo.