Maitiro ekuwana inishuwarenzi yehutano mushure mekunyoresa kunyoresa kwapera

Kambani

Vhura kunyoresa kweiyo yemubatanidzwa Hutano Inishuwarenzi Pamusika kazhinji inomhanya kubva munaNovember 1 kusvika Zvita 15 pagore. (Nyika dzinoverengeka, munguva yakapfuura, dzakawedzera nguva yakatarwa yapfuura Zvita 15.) Munguva yemavhiki matanhatu, vatengi vanopihwa mukana wekunyoresa muhutano hutsva, kushandura hurongwa hwavo hwazvino kuenda kune hutsva, uye / kana tsvaga rubatsiro rwemari. Zvirongwa zvakanyoreswa mukati menguva iyoyo nguva zvinotanga kushanda munaNdira 1 wegore rinotevera.

Sezvo mamirioni eAmerica akanyorera rubatsiro rwemabasa nekuda kweiyo COVID-19 denda, vanhu vazhinji vakatarisana nerimwe dambudziko: kurasikirwa neinishuwarenzi yehutano. Kana iwe usisiri kugamuchira mabhenefiti ekurapa, heino nzira yekuwana inishuwarenzi yehutano mushure mekunyorwa pachena.

Unogona here kusaina inishuwarenzi yehutano kunze kwekunyoresa pachena?

Izvo zvinokwanisika kuwana inishuwarenzi yehutano kana kushandura hurongwa hwako hweMusika mushure menguva yekunyoresa yakavhurika chete kana iwe uchinge uchinge uchinge uchinge uchinge uchinge waitika chiitiko cheupenyu chinokodzera a Nguva Yakakosha Yekunyoresa .

Izvo zvakakosha kuti uzive kuti iwe haugone kukodzera rubatsiro rwemutengo kana iwe uri kunyoresa mune zvehutano kufukidza mushure me gore rakasununguka kunyoresa nguva . Ivo vanhu vasina kukodzera kufukidzwa mu2020 kuburikidza neiyo Yakakosha Kunyoresa Nguva vanogona kunyoresa muhutano inishuwarenzi panguva yenguva dzose ACA kuvhura kunyoresa ye2021 kutanga Mbudzi 1, 2020.

Medicare zvakare ine runyorwa rwezviitiko zvinokodzera kune Yakakosha Kunyoresa Nguva. Zvisinei, kunze kwekuti iwe uwane mari shoma (inokodzera chirongwa chakadai seMedicaid, iyo Medicare Savings Chirongwa, kana Chikamu D Rakawedzerwa Rubatsiro), kunonoka kunyoreswa mune chero chikamu cheMedare B kunogona kukonzera mubhadharo wakakwira, sekureva mushonga.vg . Kana iwe uchikodzera imwe yeaya mapurogiramu emari yepasi, iwe unogona kukwanisa kuwedzera kukodzera kwako kune zvimwe zvikamu zveMedare, zvakare, kunze kwenguva inowanzo kunyoreswa inotsanangurwa pamusoro.

Maitiro ekuwana inishuwarenzi yehutano mushure mekunyora pachena

Kana iwe uri kutsvaga kunyoresa muhutano inishuwarenzi chirongwa mushure mekuvhura kunyoresa nguva yekupedzisira, heano mashoma sarudzo:

1. Musika Unokosha Kunyoresa Nguva

Chiitiko cheupenyu chinokodzera cheNguva Yakakosha Yekunyoresa chinotsanangurwa se:

• Shanduko mumba (muchato / kurambana, kuva kana kutora mwana, nezvimwewo)
• Kuchinja kwekugara
• Kurasikirwa mukuvhara
• Kuva mugari weU.S.
• Kuwana nhengo murudzi runozivikanwa nemubatanidzwa kana chinzvimbo seAlaska Native Claims Settlement Act (ANCSA) mubati wemubati.
• Kutanga kana kupedza basa seAmeriCorps State neNational, VISTA, kana nhengo yeNCCC

Kuti uwane kana iwe uchikodzera kuwana iyo Yekunyorwa Nguva Yezvirongwa zveMusika, shanya zvehutano.gov kupindura mibvunzo mishoma. Kana iwe uchikodzera, tanga na kuzadza chikumbiro pane webhusaiti yehurumende, pamwe ne kushanyira chikamu ichi chesaiti kuongorora zvirongwa zvazvino nemitengo.

2. Medicare Yakakosha Kunyoresa Nguva

Pane nguva dzekunyora dzakaparadzana kune vanhu vane Medicare.

• Yekutanga kunyoresa nguva: Saina kune Medicare Chikamu A uye / kana Chikamu B mukati memwedzi minomwe yenguva yaunotanga kuve unokodzera Medicare kuburikidza nezera kana kuremara.
• Kuwa yakavhurika kunyoresa nguva: Wongorora zvakare uye ita shanduko kune yako Medicare kana Medicare Advantage kufukidza, kana yako Chikamu D kufukidza, kubva Gumiguru 15 kusvika Zvita 7.
• Kazhinji kunyoresa nguva: Iyo nguva yenguva pakati paNdira 1 naMarch 31 wegore rega rega ndipo paunogona kunyoresa muMedare Chikamu B kekutanga. Iwe unogona kuve unokodzera kunyoresa mu Medicare Advantage (Chikamu C) kana chirongwa chemushonga (Chikamu D) chirongwa muna Kubvumbi 1 kusvika Chikumi.30 chegore rimwe chete nekufukidzwa kutanga munaChikunguru 1.

Zvakafanana nezvirongwa zveMusika, Medicare zvakare ine Nguva dzeKunyoresa dzeNguva. Iwe unogona kukodzera iyo Medicare Yakakosha Kunyoresa Nguva kana ukasangana neipi yeiyo izvi zvinodiwa pakukodzera , izvo zvinosanganisira kurasikirwa kufukidzwa pasina mhosva yako, kutamira kana kubva kumasangano ezvivakwa, uye nekuona shanduko mukukodzera kwako kune mamwe mapurogiramu.

3.Medicaid kana CHIP

Anodhura marongero ehutano neMedicaid uye CHIP anowanikwa mukati megore rose zvisinei nezuva racho. Kana iwe uchikodzera imwe kana ese ari maviri mapurogiramu, kunyoresa kunogona kutanga ipapo. Nhanho yekutanga ndeye kutsvaga kana iwe uchikodzera Medicaid uye / kana CHIP nekupindura mibvunzo mishoma pa zvehutano.gov . Kana iwe uchikodzera kuwana Medicaid uye / kana CHIP, une sarudzo yekunyorera kufukidza chero kuburikidza ne Hutano Inishuwarenzi Pamusika kana kuburikidza nesangano reMedicaid mukati medunhu rako. Kushanya zvehutano.gov kuti udzidze zvakawanda pamusoro pemhando idzi dzekuvhara.

4. Zvirongwa zveinishuwarenzi zvenguva pfupi

Inotumidzwawo seinoti-yeinishuwarenzi yehutano kana temp inshuwarisi, zvirongwa zvenguva pfupi zvinowanikwa mune dzimwe nyika kutengwa mukati megore. Rudzi urwu rwekufukidza runogona kubvarura mukaha pakati pemitemo. Kunyange zvirongwa izvi zvichifukidza vamwe mumhuri yako, ivo havafanirwe kuvhara mabhenefiti mazhinji ayo akafukidzwa nezvirongwa zveAACA (senge kuchengetedzwa kwekudzivirira, kupihwa mishonga yekunyorera mishonga uye marabhoritari masevhisi), pamwe nekuvhara mamiriro ezvinhu aripo, maererano UnitedHealthcare . Ipfupi-temu inishuwarenzi inogona kubviswa chero nguva pasina chirango. Kushanya healthinsurance.org kuti uone kana nyika yako ichipa iyi mhando yemutemo. Kana iwe wakarasikirwa neinishuwarenzi yehutano nekuda kwekurasikirwa nebasa kana shanduko, iwe unogona zvakare kukodzera ku COBRA kuenderera kufukidza, iyo iwe yaunogona kudzidza zvakawanda nezve pano .

5. Inishuwarenzi yehutano yekuwedzera

Zvirongwa zvekuwedzera zveinishuwarenzi zvehutano zvakagadzirirwa kubatsira vanhu uye mhuri kubhadhara mari yekuwedzera iyo isingapiwe mumutemo wavo wekutanga panguva yekugara muchipatara (semuenzaniso, zvakabviswa uye kamuri yega), sekureva State Farm . Aetna inotaura kuti inishuwarenzi yekuwedzera inogona zvakare kubatsira nemabhiri akakosha, senge kutenga imba nekutenga. Zvirongwa zvinosiyana pamatunhu uye inishuwarenzi anotakura.

Mutengo wekusavimbiswa

Hapana mubvunzo nezvazvo-kutenga mabhenefiti ehutano iwe uye / kana mhuri yako kunodhura. Valuepenguin.com , webhusaiti yemari yako yeLendingTree, inofungidzira kuti avhareji yemari yepayimendi kubva pamadhora 323 kusvika $ 732 pamunhu. Mutengo ndiyo chikonzero chikuru sei vanhu forego inishuwarenzi yehutano.

Kubva pane iyo Inodhura Care Act (ACA), kusvika gore ra2018, vanhu vasina kutenga chirongwa kana kuva neinishuwarenzi yehutano kuburikidza newavanoshandira, Medicare, Medicaid, nezvimwe - asi vaikwanisa kutenga inishuwarenzi yehutano- vakabhadhariswa mari (zvakare inozivikanwa seIye Mumwe Nomumwe Akagovaniswa Kuteerera Kubhadhara kana Individual Mandate) kana uchizadza federal mitero. Kunyange mutero uyu wemitero usisashande padanho remubatanidzwa - shanduko yakaitika mu2019 - matunhu mana akaburitsa faindi yavo yekusavharwa, kusanganisira:

• Dunhu reColumbia
• Massachusetts
• New Jersey
• Vermont

Nekudaro, nekuda kwekuti hapasisina mutero wemubatanidzwa wekusave neinishuwarenzi, hazvireve kuti hapana zvimwe njodzi dzemari dzakabatana nekusavimbiswa.

Zvinoenderana nehuwandu hwakaunganidzwa ne Kaiser Mhuri Foundation , vanhu vasina kuvharirwa vanowanzobhadhariswa mwero wakakwira nezvipatara kana zvichienzaniswa nevarwere vane inishuwarenzi kuburikidza nekambani yakazvimirira kana chirongwa cheveruzhinji. Zvakare, avo vasina mabhenefiti kwegore rimwe rakazara vanobhadhara inopfuura chetatu chekushanya kwavo kwechimbichimbi kana kusarudzika kwegadziriro yehutano kunze-kwehomwe-uko makumi matanhatu muzana vasingakwanise kubhadhara mabhiri avo ekuwedzera ekurapa, pamwe zvichikonzera kunetsekana mukupa zvinhu zvakakosha, pamwe nekubhuroka.

Uyezve, zvidzidzo zvakaratidza kuti avo vasina inishuwarenzi yehutano havawanzo kupihwa rubatsiro rwekudzivirira uye nemabasa ekurapa kwezvirwere zvakakomba uye mamiriro ehutano husingaperi. Zvisinei neanotakura inishuwarenzi, zvirongwa zveinishuwarenzi yehutano zvinopa mahara kudzivirira yevana nevakuru (senge kuongororwa, majekiseni uye kuongororwa kwegore) sekureba sekuti sevhisi inopihwa nachiremba mukati metiweki.

Dzimwe nzira dzekuchengetedza pasina inishuwarenzi yehutano

Kunyangwe isiri chirongwa cheinishuwarenzi chehutano, SingleCare chirongwa chedhiraivho chinopa kadhi yemahara yekudzora mutengo wemishonga yemishonga kune avo uine kana usina inishuwarenzi . Kana iwe usina inishuwarenzi kana uri kubhadhara mutengo wemari yemishonga yako, unogona kuona kusvika ku80% kuchengetedza nekadhi redu. Takabatana nemishonga inopfuura makumi matatu neshanu munyika (kusanganisira CVS, Target, Walgreens neWalmart), saka tanga nekutsvaga mishonga yako nhasi pa singlecare.com.