Izigulane zinokuthi zibe neendlela ezininzi zokufumana i-inshorensi yempilo kunokuba zicinga
Unokuqiniseka njani ukuba unyango lwam olufunekayo lufunyenwe yinshuwalense yam impilo ? Yazi umgaqo-nkqubo wakho womshuwalense, ziqonda zakho iindlela uze uthethe nodokotela wakho.
"Abantu benza ukucinga ukuba ugqirha uyayilawula, iya kugqitywa," utsho uJP Wieske weBhunga le-Inthanethi engabonakaliyo, iqela le-inshurensi elithintelayo.
Oogqirha bajonga imeko yakho ngokusebenzisa indlela yezokwelapha, nangona kunjalo, kungekhona kwimbono yomshuwarensi.
Ekubeni bebona izigulane ezineenkonzo ezahlukeneyo ze-inshorensi, abahlala bengayazi ukuxhaswa kwenkampani enikezelwa yinkampani ethile okanye isicwangciso njengoko izigulane zifanele-okanye zifanele ukuba.
Imigaqo-nkqubo ye-inshurensi ijoliswe kubantu abanzi, izinto ezixutywe kakhulu zixhomekeke kwiinkqubo eziqhelekileyo zonyango kwisigulane esiphakathi. Noko ke, izigulane zineendlela ezingaphezulu - kunye nempumelelo engaphezulu-ekuxoxweni kweendleko zonyango kunye neenzuzo kunokuba abaninzi bayaziqonda.
I-Impactable Care Act Effect on the Coverage
UMthetho woNonophelo ongenakunceda, owenziwe ngo-2010 (kodwa usebenze ngokubanzi ngo-2014) wenza utshintsho olunzulu kwimimiselo enxulumene ne-inshurensi yezempilo, ngakumbi kwiimakethi zeqela kunye namancinci.
Ngaphantsi kwemithetho emitsha, izicwangciso zezempilo azikwazi ukukhuphela iimeko ezikhoyo ngaphambili okanye zisebenzise ixesha elilindelekileyo lexesha lokulinda (ingqalelo ukuba lo mgaqo awusebenzi kwizicwangciso zemarike ezizodwa okanye ezinkulu ezithengwa ngabanye - uhlobo oluthengayo ngokwakho, ngokuchasene nokufumana umqeshi - kodwa akukho mntu ukwazi ukubhalisa kwisicwangciso somthengi ngasinye esivela kuMatshi 2010, okanye kwisicwangciso esithile semarike enkulu ukusuka ekupheleni kuka-2013).
Ngoko ukuba ubhalisa kwisicwangciso somqashi wakho okanye ukuthenga isicwangciso esitsha kwikarhwebo nganye, awusayi kucinga ukuba uya kuba nexesha lokulinda okanye ukukhutshwa kwimeko yakho ekhoyo ngaphambili.
Ukongeza, zonke izicwangciso ezingenakulinganiswa zimele zibandakanye uludwe olubanzi ( kodwa olukhethekileyo ) lwenkathalo yokukhusela ngaphandle kokukwabelana ngeendleko (okt, akufanele uhlawule nantoni na ngaphandle kwee-premium zakho), kunye nabo bonke abangenabo, Izicwangciso zeqela kunye namacandelo amancinci kufuneka zigubungele iinkonzo zezempilo ze - ACA ezingenasiphelo semali.
Zonke izicwangciso - kubandakanywa izicwangciso ezininzi - zivinjelwe ekusebenziseni i-maximums benefittimetime kwiimfuno zezempilo ezibalulekileyo. Iiplani zeqela elikhulu azidingeki ukuba zibonelele ngeenzuzo zempilo ezibalulekileyo, kwaye azinabantwana abakhulu okanye abanamakhulu amacebo kunye namacandelo amancinci. Kodwa kwindlela abajonga ngayo inzuzo yempilo ebalulekileyo, abanakuyinqumla inkcazo yakho kwinqanaba elithile ngenxa yesigxina somvuzo osisigxina (izicwangciso ezinokubakho zinokukwazi ukufumana iifowuni zenkxaso- mali ngonyaka) kwiimfuno zezempilo ezibalulekileyo).
Yonke le miqathango incede ekuqinisekiseni ukuba abantu banokuphika okuncinci kwamabango kunokuba benza ngaphambili. Kodwa akukho mgaqo-nkqubo uhlanganisa yonke into. Abafaki-bhoksi basenqaba ngaphambili izicelo zokugunyazwa kunye namabango aphikisiwe. Ekugqibeleni, i-onus yinto nganye kuthi siqinisekise ukuba siyayiqonda into eyenziwa ngumgaqo-nkqubo wethu, into engayifuniyo kunye nendlela yokubhena xa umgcini-mali angabonakali into ethile.
Yintoni enokuyenza xa iNkqubo okanye iVavanyo engenziwanga
Buza malunga nezinye iindlela: Ngaba uvavanyo olufanayo okanye unyango oluthatyathwa yi-inshurensi yakho luya kusebenza njengolu hlobo?
Xoxa neofisi yakho yogqirha: Ukuba uya kufuneka uhlawule ephaketheni ngenxa yokuba le nkqubo ayifakwanga ngumgcini wakho womshuwalense, thetha neofisi yakho yokugqirha ukuba ubone ukuba unokufumana isaphulelo.
Ngokuqhelekileyo ubhetele ukuthetha nomphathi weofisi okanye unontlalontle kunomniki-zonyango. Impumelelo inokwenzeka nakakhulu xa uthetha nomntu ngomntu, kungekhona kwifowuni, kwaye ungathathi impendulo kwinqanaba lokuqala, ngokubhekiselele kwiNational Endowment for Education Education.
Isibheno kumniki-inshurensi : Cela udokotela wakho kwiikhowudi zonyango zeenkqubo ezicetywayo, uphando uphando lwenkampani yakho yesikhalazo. Ukuba isicwangciso sakho sempilo singenabo abakhulu (ie, kwaqala ukusebenza emva koMatshi 23, 2010), uMthetho ojongene noNonophelo ongenakunqwenelekayo ufuna ukuba uhambelane nemigaqo emitsha yovavanyo lwangaphakathi nangaphandle.
Phanda izilingo zeclini: Ukuba ungumviwa kwisilingo sekliniki, abaxhasi bayo bangafaka iindleko zeemvavanyo ezininzi, iinkqubo, imimiselo kunye nokutyelela ugqirha. Inkampani yakho yomshuwalense inokukhanyela ukuxhaswa kwecala leklinikhi ngokwayo, kodwa ayikwazi ukubandlulula ngenxa yokuthatha inxaxheba kwilingo lekliniki, kwaye kufuneka uqhubeke nokufihla ukunakekelwa kwexesha eliqhelekileyo (okt, unonophelo lwangaphandle) xa uthatha inxaxheba kwiikliniki ityala. Ezi mfuno ziyinxalenye yoMthetho woNonophelo ongenakuncedo. Ngaphambi ko-2014, xa i-ACA ishintshe imigaqo, abaqhankqalazi kwiindawo ezininzi banokukhanyela yonke ingxelo xa isigulane sithatha inxaxheba kwisilingo seklinikhi. Oku akuvumelekanga, ngenxa ye-ACA.
Fumana uluvo lwesibini: Omnye ugqirha unokubonisa unyango oluthile, okanye unokuqinisekisa ubungcebiso bodokotela wakho oyintloko. Abanikezeli abaninzi be-inshorensi bahlawula iimbono zesibini kodwa qwaba ngeyakho ukuze ubone ukuba nayiphi na inkqubo ekhethekileyo kufuneka ilandelwe. Ugqirha, abahlobo abathembekileyo okanye izalamane, izibhedlele zokufundisa zaseyunivesithi kunye neentlalo zonyango zinokunika amagama oogqirha.
Ukuba zonke izinto zihluleka, bonisa icebo lokuhlawula: Ukuba unyango luyimfuneko kwaye alugcotshwa yinshuwalense, cela i-ofisi yakho ugqirha ukuba isebenze nawe ukuba uhlawule umrhumo-mali ngexesha elide.
> Imithombo:
> Amasebe e-Medicare neeNkonzo zeMedicaid. Iziko loLwazi loThengi kunye noLawulo lweNtshuwalense. I-FAQ yoKhathalelo engabonakaliyo Imibuzo ye-Implementation-Setha i-15.
> Isebe Lempilo Neenkonzo Zoluntu. Isicwangciso seMpilo esiKhenketho.
> HealthCare.gov. Amalungelo e-Intshurensi Amalungelo kunye nokukhuselwa. Izicwangciso Zempilo Ezinkulu.
> Inkomfa yeSizwe yeeNqununu zeSizwe. IiNzuzo zeInshurensi yeMpilo kunye neMithetho kaRhulumente. Ukuhlaziywa kweDisemba 2015.