Amakhulu amawaka wabantu kulo lonke ilizwe abhalisele kwizicwangciso zempilo ezingenakufaneleka ukuhlaziywa ngo-2017 . Oku kubandakanya abantu abathwali babo abatshintshela kwizicwangciso ezintsha zokucwangcisa ngo-2017, kunye nabantu abane- inshurensi yempilo yabo ephuma ngokutshintshiselana ngokupheleleyo (okanye yonke imarike yempilo yomshuwalense yempilo) ekupheleni konyaka we-2016.
Ukuba uphakathi kwabo, yilokho okufuneka ukwenze.
Isicwangciso sam siphela. Yintoni endiyenzayo ngoku?
Ukuba isicwangciso sakho siphela, qiniseka ukuba uya kuba neenketho zokunika ingxelo ngo-2017. Ngaphambi kowe-2014 kwiindawo ezininzi, ukuba umphathisi-mthengi waxotha ngaphandle kweemarike, bekungekho mqathango wokuvumela abo baqinisekisayo ukuba bathathe kuyo nayiphi na isicwangciso kwiimarike ngaphandle kokubhaliswa kwezonyango. Kodwa oko kutshintshile ngoku ukuba i-ACA inqabe ukubhala phantsi kwezonyango. Ngexesha lobhaliso oluvulekile, unyulo lwakho naziphi na izicwangciso ezikhoyo kwindawo yakho.
Ekubeni ukubhaliswa ngokubanzi kubhaliso oluqhubekayo luya kukhetha ukukhetha isicwangciso esitsha kunye nokugqiba ukubhaliswa kwakho ngokubhalisa okuqhelekileyo kwirejista yakho . Kuzo zonke izinto ezintathu, umhla wokugqibela umhla kaDisemba 15 ukufumana umhla osebenzayo ngoJanuwari 1.
Entsha ngo-2017: Ukutshintshisana kunokukhetha isicwangciso esitsha kuwe
Kwiminyaka edluleyo-nangona emva kokuba i-ACA isetyenziswe-kwakungekho nalungiselelo yokuvumela ukutshintshiselwa ukukhetha ngokuzenzekelayo isicwangciso esitsha sabantu abathwali babo ababenokutshintshiselana ngokupheleleyo.
Kodwa oko kushintshile ngo-2017. Imithetho emitsha yenza ukuba utshintshisane ukutshintshela kwisicwangciso esivela kummeli ohlukeneyo ukuba umphathiswa wakho uphuma utshintshiselwano. Oku kuphunyezwe kumgudu wokuthintela abantu ukuba bangaphumeleli ngokupheleleyo xa belibale ukubuyela kwintengiso ukuze bakhethe isicwangciso esitsha.
Ukutshintshiselwa kwamashishini karhulumente akukho bonke abakwi-board kunye nale nkqubo, nangona utshintshiselwano olusemgangathweni (i-Healthcare.gov) lungahle lukwazi ukulusebenza kuzo zonke iimeko. Imimiselo yathetha ngokuthe ngqo ukuba i-FFE (i-exchange-facilitated exchange exchange) " iya kuzama ukwenza " oku kwenzeke ngo-2017, emva komgaqo-nkqubo ozama ukukhetha isicwangciso esifana neyona nto uyenayo.
Uya kufumana isaziso esiphezulu kwintengiso kunye ne-insurer yakho yezempilo ngokwemfuneko yokulindela ngo-2017. Ukuba umphathiswa wakho ushiya utshintshi okanye isicwangciso sakho siphelile, uya kwaziswa ukuba utshintshiselwano luceba ukukubeka kwimephu isicwangciso esitsha. Uya kukwaziswa ukuba akunjalo, kwaye uyaziswa ukuba ukugqithiswa kwakho kuya kugqitywa ekupheleni kukaDisemba ngaphandle kokuba ukhethe iqhinga elitsha. Ngoko ke unake ingqalelo kwiingcaciso ozifumanayo kwi-insurer yakho yezempilo kunye noshintsho.
Kubalulekile ukuqonda ukuba nangona utshintshi litshilo lokuba luzakukufaka kwiplani entsha xa icebo lakho langoku liphela, usenakho ukhetho lokubuyela kwi-akhawunti yakho yotshintshiselwano kwaye ukhethe isicwangciso sakho esitsha sika-2017 . Unokwenza oko nayiphi na ixesha kude kube sekupheleni kukaJanuwari, kodwa ukuba ukhetha ukucwangciswa kwecwangciso emva kukaDisemba 15, ukukhutshwa kwakho okutsha kuya kusebenza kuze kube ngoFebruwari okanye ngoMatshi, kwaye isicwangciso sokutshintshiselwa ukuba usebenze ukuba usebenze ukuqala ngoJanuwari 1 de naluphi na ukhetho lwakho lusebenza.
Kuthiwani ukuba ndiphosakele umhla wokugqibela kaDisemba 15 kwaye ukutshintshiselana akuyifaki imephu kwiplani entsha?
Ukuba isicwangciso sakho siphela ngomhla wama-31 kuDisemba (kwaye ingasetyenziswanga ngokuzenzekelayo ngesicwangciso esitsha) kwaye ulahlekelwa ixesha lokugqibela lokubhalisa ngoDisemba 15 lokukhetha isicwangciso esitsha, kusenokwenzeka ukufumana umhla osebenzayo ngoJanuwari 1, kodwa inokuthi iyanzima . Ngenxa yokuba isicwangciso sakho siphela, ufanelekile ukuba ubhalise ixesha elizodwa lokubhalisa. Kodwa ukuba ixesha lokubhalisa okhethekileyo lihambelana nexesha eliqhelekileyo lokubhalisa eliqhelekileyo kuthetha ukuba iteknoloji ebandakanyekayo ingenakusebenza ngokuchanekileyo. Iinkqubo zobhaliso zisetyenziselwa ukubhaliswa ngokubanzi kubhaliso ngoku, kunokuba kubekho ixesha lokubhalisa olulodwa.
Yaye ngeli xesha ixesha elilodwa lokubhalisa elikhethekileyo lilandela ixesha elifanayo kunye nemihla efanelekileyo njengobhaliso oluvulelekileyo jikelele, akusiyo imeko yokubhalisa okhethekileyo okubangelwa ukulahlekelwa kwamanye amajelo .
Xa ukulahlekelwa kwenkcazo kudala ixesha elibhaliweyo lokubhalisa, isicwangciso esitsha sisebenza ngolokuqala lwenyanga elandelayo emva kwenyanga xa ubhalisa. Ngoko umntu oceba isicwangciso sika-Disemba 31 angasebenzisa ngokusemthethweni ngo-Disemba 31 kwaye abe negalelo elifanelekileyo ngoJanuwari 1. Kodwa le nto ingaba yinkqubo enzima, kwaye ngokuqinisekileyo akufanele kube yinto oceba ukuyenza. Kwakhona-inkqubo efanelekileyo kakhulu yokubhalisa kwisicwangciso esitsha ngoDisemba 15. Kodwa ukuba isicwangciso sakho siphela kwaye ulahlekelwa ngumhla wokugqibela, yintoni okumele ukwenze:
- Qhagamshelana nomrhwebi, utshintshiselwano kwimeko yakho, okanye umphathiswa oyisebenzisayo ukuba ubhalisa ukutshintshiselana. Uya kufuna uncedo ngale nkqubo, kwaye uya kufuna iphepha lephepha xa kukho i-glitches.
- Qinisekisa ukuba ubhaliso lwakho lugqityiwe ngokusetyenziswa kwexesha elibhalisiweyo lokubhalisa kwaye AKAZI ixesha lokubhalisa eliqhelekileyo (eliza kuluphazamisa umhla wakho osebenzayo ngoFebruwari 1 ukuba ubhalise kwisiqingatha sesibini seDisemba).
- Qaphela ukuba ungadinga ukugqiba isicelo sephepha, njengoko abanye abathwali bengenalo ubuchule bezobuchwepheshe bokuvumela ukubhalisa okhethekileyo kwi-intanethi ukuba kwenzeke ngexesha lokubhalisa eliqhelekileyo.
- Yilungiselele ukulibaziseka. Ukuba ubhalisa ngo-Disemba 31, ngokuqinisekileyo awuyi kuba nekhadi lakho elitsha kunye ne-ID kwiJanuwari 1. Ukunika ingxelo yakho ekugqibeleni kuya kugqitywa kwaye emva komhla kuJanuwari 1, kodwa ukuba ufuna uncedo ngoJanuwari, kufuneka uyihlawule phambili kwaye ufune ukuhlawulwa kwi-inshurensi yezempilo.
Ngokucacileyo, inkqubo efanelekileyo kakhulu yokubhalisa isebenzise iiparitha ezibhalwe ngokubanzi, kwaye zigqitywe ngoDisemba 15. Kodwa ukuba kukho into ephakanyayo ekhusela loo nto, uya kukwazi ukufumana ingxelo ngoJanuwari 1, ngaphandle kweehitshi ezimbalwa.
Kuthekani ukuba ndineenkcukacha ngaphandle kokutshintshiselwa?
Ukuba umphathiswa wakho uphuma kwiimakethi ngokupheleleyo, akukho nalungiselelo yokuba ubani akrophe kwicebo elitsha ngaphandle kokutshintshiselana.
Ukuba umphathi wakho uyeka ukucwangcisa isicwangciso sakho kodwa ubeke endaweni yezinto ezinokukhetha, mhlawumbi ziya kunikezela ukutshintshela kwisicwangciso esitsha, ngaphandle kokuba wenze nantoni na. Kodwa kwakhona, ukubheja kwakho kukukhetha ukhetho lwakho olutsha ngo-2017, nokuba ngaba umphathiswa wakho unika ukukhetha enye.
Ishedyuli efanayo yokubhalisa ilandelwa ngaphandle kokutshintshiselwa; cwangcisa i-2017 kufuneka igqitywe ngoJanuwari 31, kwaye ubhaliso aluyi kubakho emva koko ngaphandle kokuba unesiganeko esifanelekileyo .
> Imithombo:
> Isebe Lempilo Neenkonzo Zoluntu. Isiqinisekiso soMonde kunye noMthetho ononophelo ojongene noThathaka, iSaziso seNzuzo kunye neParameters Payment for 2017.