Awuyena mntu wokuqala ukukhawuleza ukuhlawula i- premium yomshuwalense wezempilo, kwaye awuyi kuba ngowokugqibela. Nangona kunjalo, ekubeni kukho izimpembelelo zokuba zifike emva kwexesha, kufuneka uqonde ukuba imigaqo yintoni, indlela abasebenza ngayo kwimeko yakho, kwaye kwenzekani ukuba ukhawuleza ukuhlawula i-premium yakho ye- inshammeri ye-Obamacare .
Xa ufumana i-inshorensi yakho yempilo ngo- Care Affordable Act, utshintshiselwano lwe- inshurensi yezempilo, njani i-premium yomshuwalense wezempilo ephantsi kwexesha ixhomekeke kuyo
- Ingaba oku kukuhlawula kwakho kweprayimenti yokuqala ukuqala ukukhutshwa kwintsha okanye ukuhlawula ukuqhubela phambili i-coverage esebenzayo.
- Ingaba okanye ungayifumana inkxaso-mali ukuze uncede ukuhlawula i-inshorensi yempilo .
Imithetho iyanzima kwiintlawulo zokuqala ze-premium kunokuba intlawulo yenyanga ye-premium iqhubeke nekharityhulam yakho ekhoyo. Imithetho iyanzima kulabo abangenayo inkxaso, ngelixa abo bafumana uncedo lokuhlawula i-inshorensi yabo yezempilo babe nexesha elide lobabalo.
Ixesha elide lokuhlawula i-Premium ye-Obamacare ye-Intshurensi ye-Inqanaba leMpilo
Ukuba ukhawuleza ukuhlawula i-premium yakho ye-inshorensi yempilo kwinkqubo yomshuwalense wezempilo othengayo ngokutshintshiselana, u-inshorensi yakho yezempilo ayiyi kusebenza. Ngeke uqinisekiswe .
Kwiimeko ezininzi, ngeli xesha lenzeke, ixesha lokubhalisa elivulekileyo lonyaka liya kuphelela, ngoko awuyi kuphinda usebenzise kwakhona ngokukhawuleza. Ngaphandle kokuba ufanele ukufumana ixesha lokubhalisa okhethekileyo okanye iMedicaid , awuyi kuba nelinye ithuba lokubhalisela inyhuwalense yezempilo kuze kube yonyaka ozayo wokubhalisa.
Ukuba ufanelekile kwiMedicaid, ungabhalisa unyaka wonke.
Emva kokuhlawula i-Premium ye-Obamacare ye-Injury Premium
Ukuba sele uhlawule i-premium yenyanga yokuqala kunye ne-inshurensi yakho yezempilo sele iphumelele, udlulisile umqobo wokuqala. Ngoku, kufuneka wenze intlawulo yenyanga ye-inshurensi yeentlawulo ze-inshorensi ukugcina loo nkqubo yomshuwalense iyasebenza.
Ukuba ufike ngokukhawuleza ukuhlawula i-premium yenyanga yomshuwalense wezempilo, imigaqo ingqongqo encinci kunokuba ihlawulwe intlawulo yeprayimenti yokuqala; kukho ixesha lobabalo. Ixesha elithandekayo lobubele lixhomekeke ekubeni ufumana uncedo lokuhlawula i-inshurensi yezempilo okanye cha.
Ukuba awufumani inkxaso-mali ye-inshorensi yemali yerhafu ye-premium , isicwangciso sakho sempilo siya kukhansela ngokubanzi ukuhamba kwakho emva kweentsuku ezingama-30. Uya kufuneka uhlawule lonke i-premium ngokuphela kwexesha leentsuku ezingama-30 okanye ungaqinisekanga. Ukulahlekelwa yinshuwalense yakho yezempilo ngenxa yokuba awuzange wenze intlawulo yeprayimenti ayikufanelekeli ixesha lokubhalisa okhethekileyo ekutshintshisweni.
Ukuba ufumana inkxaso yenkxaso-mali ye-inshorensi ye-premium kwaye ukhawuleza ukuhlawula i-inshorensi yakho yezempilo, unomhla we-90 wenceba ngaphambi kokuba i-inshorensi yakho yempilo ikhanselwe. Nangona kunjalo, ngenxa yokuba i-inshorensi yakho yezempilo ayinakucinywa ngexesha leentsuku ezingama-90 ayithethi isicwangciso sakho sezempilo siya kuhlawula ngokunyamekela unyango lwenu ukuba ngaba ukhawuleza ukuhlawula i-premium yakho ye-Obamacare.
Kwiintsuku ezingama-30 zokuqala, usemvalelweni, isicwangciso sakho sempilo siya kuqhubeka nokuhlawula iimali zonyango zonyango kwiinkonzo zonyango ozifumanayo. Ukuba uzinakekelwa emva kokuba unentsuku ezingaphezulu kweentsuku ezingama-30 uhlawule i-premium yakho ngaphambi kokuba uhlawule iintsuku eziyi-90, umgcini-mali wakho uya kuzisa umboneleli wakho wezempilo ukuba ufike emva kokuhlawula i-premium yakho kwaye ezo zibango ziza kubanjwa.
Isicwangciso sakho sezempilo siya kulinda ukubona ukuba uhlawula i-premium yakho okanye kungekhona ngaphambi kokucwangcisa ibango.
Ukuba ufumana iintlawulo zakho ze-premium emva, u-inshurensi uya kuqhuba loo mabango aze ahlawule njengesiqhelo. Ukuba awufumani ii-premiums zakho ngokusesikweni kwisithuba seentsuku ezingama-90, isicwangciso sakho sempilo siya kukhansela ukuhlawula kwakho ukuhlaziywa ngosuku oye waba yiintsuku ezingama-31 ngokukhawuleza ukuhlawula i-premium yakho ye-inshorensi yempilo. Uya kuba uninsured unqulo olusondeleyo kulomhla, kwaye izicelo ezilindelekileyo kwiinkonzo ozifumene emva kwaloo mhla ziya kukhishwa.