Ukuba ulindele inguqu ebomini bakho, ukucwangciswa kwinshuwalense yezempilo emva kokuba utshintsho luyinxalenye ebalulekileyo yokugcina ukhuseleko lwakho lwemali kunye nempilo yakho. Indlela eyaziwayo yokufumana i-inshorensi yempilo emva kwesiganeko esichengileyo somsebenzi ukuqhubeka nomshuwalense wakho wezempilo oxhaswe ngumqashi usebenzisa i- COBRA yokuqhubeka.
Ukuba ufumana umtshato, kuba ngumhlolokazi okanye umhlolokazi, okanye ulahlekelwe ngumsebenzi wakho, ukulahlekelwa yinshurensi yakho yezempilo kunokunyusa uxinzelelo ngakumbi xa iindlela zakho zokuhlangabezana nazo sele zixutywe.
Ukuba unyakaza ukufumana umsebenzi omtsha, hlela, ufunde indlela yokuhlala ngaphandle kweqabane, okanye zonke ezo zinto ngokukhawuleza, ukukhetha isicwangciso esitsha sempilo kwimarike nganye kunokumangalisa (ukuba kucace, ukhethe isicwangciso esitsha Akunzima kangangoko kubonakala ngathi, kwaye ngokuqinisekileyo ufuna ukuthelekisa izicwangciso zentengiso nganye kunye ne-COBRA enokuyifumanayo. Kodwa kwezinye iimeko, ukuqhubekeka kwakho okukhoyo nge COBRA kuya kuba yinto ekhethekileyo).
Nge-COBRA yokuqhubela phambili, akukho mfuneko yokukhetha isicwangciso esitsha. Uhlala uqhubeka nomgca-mali oxhaswa ngumqeshi okhoyo ngoku. Akunakufumana ugqirha omtsha kuba ugqirha wakho wangoku awukho kwinethiwekhi kunye nesicwangciso sakho sempilo esitsha. Akukho tshintshelo lwamarekhodi ezonyango okanye imiyalelo. Unokuqhubeka ne-inshorensi yempilo yakho yangoku kwiinyanga ezili-18 okanye ezingama-36 (kuxhomekeke kwiimeko zakho), ixesha elaneleyo lokubuyela kwiinyawo zakho wenze isicwangciso esitsha.
Nangona kunjalo, akusiwo wonke umntu avunyelwe ukusebenzisa umthetho weCOBRA ukuba aqhubeke ne-inshurensi yezempilo.
Ukuqonda ukuba awufanelekile kwi-inshorensi yezempilo yeCOBRA kukunceda ucwangcise ikusasa elikhuselekileyo.
Ukuze uvumeleke kwi-COBRA, kufuneka unelise zonke ezi mfuno zilandelayo:
- Isicwangciso sakho sezempilo samanje kufuneka sithobele umthetho weCOBRA . Azikho zonke izicwangciso zezempilo.
- Kufuneka uthathwa njengomxhamli ofanelekileyo kwisicwangciso sakho sempilo esele.
- Kufuneka ube nesiganeko esifanelekileyo .
Ngaba i-Intshurensi yam yeMpilo ixhomekeke kwi-COBRA?
Azikho zonke izicwangciso zezempilo kufuneka zinikeze i-COBRA yokuqhubeka. Isicwangciso sakho senza ntoni ukuba isicwangciso seqela sinikezelwa ngumqeshi wecandelo labucala kunye nabasebenzi abangama-20 abazeleyo. I-COBRA isebenza nakwiindawo ezininzi zempilo karhulumente kunye neengingqi.
Ngeke uvumeleke kwi-COBRA ukuba akukho cwangciso sezempilo esiqhubekayo kuba umqeshi wakho wahamba. Ukongeza, i-COBRA ayisebenzisi kwizicwangciso zempilo ezinikezelwa nguRhulumente wephondo, ngamabandla, okanye ngezinye iinkampani ezinxulumene necawa.
Ngokomzekelo, xa ndishiya emsebenzini wam unesihlengikazi kunye ne-Florida Hospital, ndingafanelekanga kwi-inshorensi ye-COBRA. Oku kwakungekho nto kum; Kwakungenxa yokuba umqeshi wam wangaphambili, izibhedlele zaseFlorida, inxalenye ye-Adventist Healthcare, inhlangano eqhutywa yiCawa yamaSabatha yamaSabatha. Ngenxa yokuba izibhedlele zaseFlorida yintlangano enxulumene necawa, isicwangciso sayo sempilo asikho phantsi komthetho weCOBRA.
Xa ndishiya umsebenzi osebenza esibhedlele saseKaiser Permanente, ndakufanelekela kwi-inshorensi ye-COBRA. IKaiser yinkampani enkulu, yabucala, umqeshi onxulumene nesonto. Isicwangciso sezempilo sikaKaiser sasilawulwa ngumthetho weCOBRA; kwakufuneka unikeze i-COBRA yokuqhubeka kwenkcazo.
Ngaba Ndingumxhamli ofanelekileyo?
Ukuba uthathwa njengomxhamli ofanelekileyo, kufuneka uqinisekiswe isicwangciso sezempilo ngosuku ngaphambi kokuba kwenzeke isiganeko esifanelekileyo. Ukongeza, kufuneka ube enye yezinto ezilandelayo:
- Umqeshwa womqeshi uxhasa isicwangciso sezempilo.
- Iqabane okanye umlingane womnye lowo msebenzi.
- Oxhomekeke kuloo msebenzi.
- I-arhente, umlawuli, okanye ikontrakta elizimeleyo elingengomsebenzi, kodwa oko kuthatha inxaxheba kwisicwangciso sezempilo.
- Kwezinye iimeko , unokuba uvumelekile ukuba ungumqeshwa osemhlala phantsi, umlingane wakho umhlala-phantsi okanye umzali oxhomekeke kumhlalaphantsi kwaye ulahlekelwe ngumsebenzi ngenxa yokuba umqeshi wakho wangaphambili uhlawula.
Ngaba Ndineziganeko zokuQinisekisa?
Yintoni efanelekileyo njengokuba isiganeko sokuphila sincike ekubeni ngaba ungumqeshwa olahlekelwa ngumsebenzi, okanye oxhomekeke kuloo msebenzi. Isiganeko sakho sobomi siya kukufumana i-COBRA xa unomsebenzi kwaye:
- Ulahlwe.
- Uyeka.
- Usukisiwe, kodwa kungekhona ukuziphatha kakubi njengokuthatha okanye ukuhlasela umphathi.
- Umsebenzi wakho ugqityiwe ngenxa yesinye isizathu.
- Usuqeshwe, kodwa iiyure zakho ziyancitshiswa ngenxa yokuba ulahlekelwe yinzuzo yomshuwalense wezempilo.
Isiganeko sakho sokuphila siya kukufumana ukufumana ingxelo ye-COBRA ukuba ungumlingane okanye uxhomekeke kumqeshwa okhuselekileyo kwaye ulahlekelwe ngumsebenzi ngenxa yokuba:
- Enye yezinto ezi ngasentla zenzeke kumqeshwa.
- Umqeshwa uyafaneleka kwi- Medicare . Ukuba le yimeko yakho, thola izinto ozikhethayo ngokuthi " Ukulahlekelwa Yomshuwalense Wezempilo Yakho Ngenxa yokuba Umlingani Wakho Ufumana I-Medicare? "
- Umqeshwa wafa.
- Uqhawula umtshato okanye uhlukaniswe ngokomthetho kumqeshwa.
- Ungumntu osemdala kwaye ulahlekelwe yimo yakho exhomekeke kuyo kwisicwangciso sezempilo. Ukuba le yimeko yakho, thola izinto ozikhethayo " Ndingu-26 kwaye ndikhupha i-Inshurensi yeMpilo yoMzali wam. Yintoni ngoku? "U
Isicwangciso seMpilo yam siyazi njani ukunikela nge-COBRA?
Ukuba unelungelo le-inshorensi yezempilo ye-COBRA, awuyi kufumana isaziso sokhetho lweCOBRA kwisicwangciso sakho sezempilo ukuba isicwangciso sezempilo asikwazi malunga nesiganeko sokuguqula ubomi. Omnye kufuneka axelele umlawuli wecebo lempilo. Oku kwaziwa ngokuba "ukunika isaziso somcimbi esifanelekileyo."
Umqeshi uza kuxela isicwangciso sakho sempilo ukuba ukulahleka kwakho kwenkxaso ngenxa yokupheliswa komqeshwa, ukufa komqeshwa, ukulungeleka komqeshwa okanye ukunciphisa amaxesha omsebenzi womsebenzi. Kuxanduva lwakho ukuxelela isicwangciso sakho sempilo ukuba ukulahlekelwa kwakho kwendleko ngenxa yokuqhawula umtshato, ukwahlukana ngokomthetho, okanye indawo ephantsi komntu omdala olahlekelwa phantsi kwenkqubo yecwangciso.
Kwezinye iimeko, unokulingwa ukuba unqande isaziso. Ukuba umqeshi kunye nesicwangciso sezempilo awazi ukuba uhlukaniswe ngokomthetho, usenokucinga ukuba awuyi kuhlawula ii-premium ze-inshorensi ze-COBRA. Uza kuqhubeka kunye nokuqhawula umtshato njengokuba usibini esitshatileyo. Cinga kwakhona.
Uyafuneka ukuba unike isaziso somcimbi esifanelekileyo ngexesha elifanelekileyo. Ukunganiki isaziso somcimbi esifanelekileyo uhlobo lobuqhetseba; ngokuqinisekileyo uthatha inkonzo yomshuwalense wezempilo ongeke uvumelekile. Umqeshi angafuna ukuhlawulwa kwesabelo sawo seeprayimari zenyanga ezihlawulwe ukufikelela kwirekhodi owawungekho mfuneko yokufumana. Isicwangciso sezempilo singadinga ukuhlawulwa kwemali kwenkxaso yempilo ehlawulwayo ngelixa ufumene ubuqhetseba.
Oku kuthethi, akudingeki ukuba unike isaziso ngelixa usuqhawule umtshato, okanye iinkqubo zokuhlukana ngokwasemthethweni. Awunyanzelekile ukuba unike isaziso kuze kube yilapho umtshato okanye ukwahlukana ngokomthetho kwenzeka khona.
Ukuhlaziywa nguLouise Norris.
> Imithombo:
> I-United States Isebe lezabasebenzi, ii-FAQ malunga ne-COBRA yokuqhubekeka kwezeMpilo. Oktobha 2016.