Iirejista zokuBhalisa ziValile
Ubhaliso oluvulekileyo lixesha lonyaka ngamnye xa ungabhalisela i-inshurensi yezempilo. Ukuba awuyi kubhalisela i-inshurensi yezempilo ngexesha lokubhalisa okuvulekile, mhlawumbi awukwazi ukubhalisela i-inshurensi yezempilo kuze kube yithuba elizayo lokubhalisa, ngaphandle kokuba ufumane isiganeko esifanelekileyo.
Ukuba ufanelekile kwaye ufake isicelo se-inshorensi yempilo ngexesha lokubhalisa okuvulekile, isicwangciso sezempilo kufuneka siqiniseke.
Inkampani ayivumelekile ukuba isebenzise phantsi okanye ifune ubungqina bokungaqiniseki, ezo zombini zingenza kube nzima kuwe ukuba ufumane inshorensi yempilo.
Ziziphi Imithombo Yomshuwalense Wezempilo Esebenzisa Iimviwo zeeNyanga eziBhalisiweyo?
Izikhathi zokubhalisa ziqhelekile kwaye zikhona:
- LweMida
- Intsholongwane yempilo yomshuwalense
- I-inshurensi yempilo yemarike yodwa, ngenxa ye-Care Affordable Act (ubhaliso lweefestile lusebenza zombini kwi- inshurensi yezempilo kunye nokungaphandle kwamashishini)
Ubani Ubhaliso Oluvulekileyo?
Ixesha lonyaka lokubhalisa okuvulekileyo kuxhomekeke kwisicwangciso sokunakekelwa kwempilo oyikhethayo:
- I-Medicare yobhaliso oluvulekileyo lusebenza ukusuka ngo-Oktobha 15 ukuya kuDisemba 7 ngonyaka. Qaphela ukuba oku akusebenzi kwiiplani zeMedigap, ezingenalo ixesha lokubhalisa ngonyaka. Izicwangciso zeMedigap zifumaneka kuphela ngaphandle kokubhalwa kwezonyango ngexesha lokubhalisa kwakho okokuqala, okanye ngexesha lokubhalisa okhethekileyo oluncinci olusebenza kwezi zicwangciso.
- I-inshorensi yempilo ekhuselweyo ye-Job-based based insertion isethwe ngumqeshi wakho kwaye inokwenzeka nanini na kunyaka. Nangona kunjalo, ngokuqhelekileyo ekwindla ukwenzela ukuba i-coverage entsha iqale ngoJanuwari 1 wonyaka ozayo.
- Ukubhalisa ukuvota kumashishini athile (kunye nokutshintshiselana-off) kuye kwahluka kakhulu kwiminyaka embalwa edlulayo. Ukuqala ngo-2018, ishedyuli yokubhalisa evulekile isisombulule ngoNovemba 1 ukuya kuDisemba 15, kunye nazo zonke izicwangciso eziphumelelayo ngoJanuwari 1 wonyaka ozayo. Ukubhaliswa okuvulekileyo kwango-2018 kwithuba lokuqala ngoNovemba 1, 2017 kwaye kwagqitywa ngoDisemba 15, 2017 (kunye nezandiso kwiintetho ezilishumi ezisebenzisana nabo ). Eli lixesha elifanayo elijoliswe ukuba lisetyenziswe kwiminyaka ezayo ngokunjalo. Ukubhalisa ukuvula ngo-2018 kubhalwe okokuqala ukuba ukubhaliswa kuphelile ngaphambi kokuqala konyaka omtsha, kwaye ukucwangcisa okukhethiweyo akunakwenziwa emva kokuba unyaka uqala (ngaphambi ko-2014, ukubhaliswa kwafunyanwa ngonyaka kwiimarike nganye, kodwa kwiinkampani ezininzi zithengisi ukufaneleka okumiselwe kwimbali yezonyango zabafaki-sicelo, oko kwakuthetha ukuba abantu abaneemeko zangaphambi kokuba bafumaneke banokuthi bavunyelwe ukukhutshwa; oko akusayi kwenzeka, ngenxa ye-ACA). Funda kabanzi malunga nokubhalisa okuvulekileyo kwimarike nganye .
UkuBhaliswa okuKhethekileyo Ngaba yiNgqikithi yokuBhalisa
Iiprogram ze-inshurensi ezisebenzisa inkqubo yokubhalisa evulekile nazo zinokukuvumela ukuba ubhalise ngaphandle kobhaliso oluvulekile phantsi kweemeko ezicwangcisiweyo, ezibizwa rhoqo ngokuba yiziganeko zobomi. Eyaziwayo njengethuba lokubhalisa elikhethekileyo , le ngqungquthela ikuvumela ukuba ubhalisele i-inshurensi yezempilo ukuba ulahlekelwe yimbi yomshuwalense wezempilo ngenxa yokuba:
- ulahlekelwe ngumsebenzi wakho
- yafuduka
- waqhawula okanye watshata
- waba ngumhlolokazi okanye umhlolokazi
- abaneminyaka engaphezulu kwecebo lokuba ngumzali
- uvumele i- COBRA inshuwalense iphelelwe
- unomntwana omtsha
Ngeke ukwazi ukufumana ithuba lokubhalisa okhethekileyo ukuba ulahlekelwe yimbi yomshuwalense wezempilo ngenxa yokuba awuzange uyihlawule i- premium zenyanga, nokuba ngaba uzinikezele ngokuzithandela ukukhutshwa kwakho kwangaphambili.
Qaphela ukuba nangona iziganeko ezifanelekileyo nezibhaliso ezizodwa kwimarike nganye zifana nezo zide zikhona kwizicwangciso ezixhaswe ngumqeshi, azifani. Nantsi isikhokelo esichaza ngokuthe ngqo kwixesha elizodwa lokubhalisa kwiimarike, kunye nokutshintshana.
Ziziphi iintlobo zempilo yomshuwalense wezempilo?
Uninzi lwe-inshorensi yempilo e-United States isebenzisa uhlobo oluthile lwenkqubo yobhaliso oluvulekileyo oluvumela ukubhalisa kwithuba elithile kunyaka ngamnye.
Nazi ezinye izizathu:
- I-Medicaid , i-inshorensi yempilo yasesikweni, ayinciphisi ukubhaliswa kwithuba lokubhalisa. Ukuba ufanelekile kwiMediicaid, ungabhalisa nanini na.
- I-CHIP , iNkqubo ye-Intshumo ye-Intshumo yabantwana be-Arhente yase-US, ayinciphisi ukubhaliswa kwithuba elithile, nokuba njalo.
- I-inshurensi yokuhamba ayikho phantsi kwemiqathango yokubhalisa okuvulekileyo, mhlawumbi. Ngenxa yexesha elifutshane lemigaqo-nkqubo ye-inshorensi yokuhamba, abaqhelekanga phantsi kokubhaliswa okuvulekileyo. Nangona kunjalo, ezinye iinkampani ze-inshorensi zokuhamba ziyakuthintela ukukwazi ukuthenga umgaqo-nkqubo we-inshurensi yokuhamba kwixesha elide emva kokuba ubhale uhambo lwakho.
- Intsholongwane yezempilo yangexesha elifutshane ayisebenzisi ixesha lokubhalisa oluvulekile. Njenge-inshurensi yokuhamba, i-inshurensi yesikhashana ilawulwa yi-ACA, kwaye izicwangciso ziyafumaneka unyaka wonke kwiindawo ezibavumelayo. Umgaqo omtsha ngo-2017 ulungelelaniswe izicwangciso zexesha elifutshane elingapheli kweenyanga ezintathu kwixesha elide, kodwa lo mgaqo kulindeleke ukuba uphindwe phantsi kwemimiselo emitsha ephantsi kokuhlaziywa ngu rhu lumente (imithetho yangaphambili ivumeleke ukuba iiprogram zexeshana zibe khona ukuya kwii-364 iintsuku, ezo zikhokelo zingabuyiselwa kwakhona, okanye kubekho umgaqo omtsha ngokupheleleyo, kodwa umlinganiselo weenyanga ezintathu uza kupheliswa ngokuqinisekileyo).
- Kwezinye iimeko, iimveliso zomshuwalense ezongezelelweyo . Izicwangciso ze-inshorensi ezongezelelweyo ezithengiswa kubantu ngabanye ziyafumaneka unyaka wonke. Kodwa ukuba umqeshi wakho unikezela i-inshurensi eyongezelelweyo, ithuba lakho lokubhalisa liya kuba lula kumyinge wakho wokubhalisa jikelele.
Amathuba amaninzi wokubhalisa
Uninzi lwabaqeshi likuvumela ukuba ubhalisele okanye utshintshe ezinye iinjongo ezisekelwe emsebenzini ngexesha lokubhalisa okuvulekile, kwakhona. Ngokuqhelekileyo, uvumelekile ukuba wenze utshintsho ngexesha lobhaliso oluvulekile. Umzekelo, unokukwazi uku:
- ukuseta i- akhawunti yokuchithwa kwemali okanye i- akhawunti yokulondoloza impilo
- ubhalisele, okanye utshintshe inani, inshorensi yobomi, inshorensi yokukhubazeka, inshorensi yombono, inshorensi yamazinyo, inshuwalense yomthetho, inzuzo ye-inshorensi eyongezelelweyo , njl njl.
Eyaziwayo ngokuba: ukubhaliswa kwonyaka, ukubhaliswa kwezibonelelo zonyaka
> Imithombo:
> Isebe Lempilo Neenkonzo Zabantu, iSaziso sokugqibela seNzuzo kunye neParameters Payment for 2018 . Disemba 17, 2016.
> INkonzo yeNgeniso yangaphakathi, iiNzuzo ezingeNye; Umyinge weMpilo kunye neNyaka; kunye neNkxaso-mali yexesha elifutshane, eliNcinci . 2016
> Norris, uLouise. healthinsurance.org. Isikhokelo seeNyanga zokuBhalisa eziKhethekileyo kwiMarike yabanye. Fe bruwari 2017.
> I-Ofisi yoLwazi kunye neMicimbi yoLawulo, i-Ofisi yoLawulo kunye neBhajethi. > Ixesha elifutshane > I-inshurensi yexesha elifutshane (CMS-9924-P). Uhlolo luphelile ngomhla wesi-2/7/2018.