Ndakarasikirwa neinishuwarenzi yehutano-zvino chii?
KambaniKugumurwa kana kudzingwa pabasa hazvireve chete kuti yakarasika pay-kune vazhinji vekuAmerican, zvinorevawo kurasikirwa neinishuwarenzi yehutano. Kubva muna2018, ingangoita hafu yevagari vemuU.S. vakagamuchira inishuwarenzi yehutano inotsigirwa newavanoshandira, maererano neongororo yakaitwa ne Kaiser Mhuri Foundation . Icho chinetso chakazove chakanyanya-kunyanya-kukosha panguva yenoverengera coronavirus denda (COVID-19) apo zvinyorwa zvevanhu muU.S.vakarasikirwa nemabasa uye kufukidzwa kwavo panguva imwechete njodzi yavo yekurwara yakawedzera.
Uye pasina inishuwarenzi yehutano kufukidza, unogona kunge uchinetseka kuti uchabhadhara sei mari yakakosha yekurapwa sekushanya kwachiremba, mishonga yemishonga, uye kuchengetedzwa kwechimbichimbi. Asi pane sarudzo-zvirongwa zvinotsigirwa nevashandirwi haisi iyo chete nzira yekuvhara hutano.
RELATED: Maitiro ekuwana inishuwarenzi yehutano
| Yakarasika inishuwarenzi yehutano? Enzanisa zvaunogona kuita | |||
|---|---|---|---|
| Sarudzo | Zvayakanakira | Nezvayakaipira | Zvishandiso |
| COBRA kana federal Market Market zvirongwa | Inopa kuenderera kufukidza mushure mekurasikirwa nebasa | Aya marongero kazhinji anodhura kupfuura ehurongwa hweinishuwarenzi ehutano zvirongwa | Dzidza zvakawanda nezve COBRA |
| Medicaid kana CHIP | Yakachipa pashiri inishuwarenzi sarudzo | Iwe unofanirwa kusangana nezvinodiwa zvemari | Dzidza zvakawanda nezveMedicaid |
| Ipfupi-temu kana ginishuwarenzi | Unogona kunyoresa chero nguva | Kwete seyakazara seyakareba-inishuwarenzi yehutano | Dzidza zvakawanda nezve pfupi-yenguva pfupi inishuwarenzi yehutano |
| SingleCare | Makuponi ari 100% emahara, anoshandiswazve pane ese ekuzadza, uye hapana inishuwarenzi inodikanwa | SingleCare iri kwete chimiro cheinishuwarenzi yehutano | Dzidza zvakawanda nezveSingleCare |
Ndakapererwa nebasa. Chii chandinoita nezve inishuwarenzi yehutano?
Kana iwe uchangobva kurasikirwa kana kusiya basa rako, unogona kuve unokodzera kuwedzera yako yazvino kufukidzwa pasi COBRA (Consolidated Omnibus Budget Kuyananisa Mutemo). Mutemo uyu unonongedza kuti - kana zvimwe zvinodiwa zvikazadzikiswa - mushandirwi anofanira kuwedzera chirongwa chehutano cheboka rako kusvika pamwedzi gumi nesere zvichitevera shanduko yako mumabasa. Mune mamwe mamiriro akaganhurirwa, kufukidza kunogona kusvika kumakore matatu.
Pane zvinhu zvitatu zvakakosha zvinofanirwa kusangana kuti munhu akwanise kuwana COBRA inishuwarenzi yehutano, sekureva kweU.S. Department of Labor, Employee Benefits Security Administration:
- Yako yeboka chirongwa chehutano chinofanirwa kuvharwa neCOBRA
- Chiitiko chinokodzera chinofanira kuitika (kumiswa kwechikonzero chero chipi zvacho kunze kwekusazvibata, kusiya chinzvimbo, kana kudzikiswa kwemaawa)
- Iwe unofanirwa kuve unokodzera kubatsirwa pachiitiko ichocho
Vakaroora uye vana vanovimba vanogona zvakare kukodzera COBRA, kunyangwe runyorwa rwezvinosiyana rwakasiyana. (Unogona kuona izere runyorwa pano .)
Kana iwe uchikodzera kuwedzerwa kuwanda pasi peCOBRA, iwe unozopihwa yakatarwa nguva yenguva (kazhinji mazuva makumi matanhatu) panguva iyo iwe yaunogona kusarudza kufukidzwa, kudzosera kumashure kusvika musi wekuvharwa kwako neimwe nzira ungadai wakapera. Ukatadza kusarudza COBRA kufukidza panguva ino, haugone kuzviita gare gare.
Kuvhara pasi peCOBRA kunowanzo kudhura kupfuura inishuwarenzi kuburikidza nebasa rako nekuti waunoshandira angave achibatsira kubhadhara mari yako yemwedzi. Ivo havafanirwe kudaro pasi peCOBRA. Kureba kwehurefu zvakare kunosiyana-mwedzi gumi nesere ndiko kushomeka, kunyangwe ichikwanisa kuwedzera kusvika kumwedzi makumi matatu nematanhatu, zvinoenderana nezviitiko zvinokodzera.
Ruzivo nezve maitiro ekunyorera yeCOBRA inofanirwa kuverengerwa pamwe nehurongwa ruzivo iwe wawakagashira pakavharwa yako. Iwe zvakare ungango gamuchira tsamba kubva kune yako inishuwarenzi chirongwa kana mushandirwi nezveinotevera nhanho dze COBRA kana chako chinzvimbo chebasa chinoshanduka.
Kana iwe ukafunga kusasarudza COBRA kufukidzwa kana kuti isingawanikwe kwauri nekuti hausvike pane zvese zvinodiwa, ungangoda kufunga nezve Hutano Inishuwarenzi Musika (kana kungoti, Musika), kwaunogona kuenzanisa mitengo yehutano hwakavanzika. zvirongwa zveinishuwarenzi. Kamwe zvakare, iwe uchazoda kuziva mamwe maratidziro enguva kana uchiongorora zvaunogona kuita. A Nguva Yakakosha Yekunyoresa inowanzo wedzerwa kune mumwe munhu achangosiya kana kurasikirwa nebasa, asi unofanira kusarudza chirongwa mukati memazuva makumi matanhatu zvisati zvaitika kana mazuva makumi matanhatu mushure mekurasa kufukidzwa kwako kuburikidza nebasa. Kana zvisiri, iwe ungangoda kumirira kusvika yakavhurika kunyoresa nguva kuti uwane kufukidzwa. Ziva zvakare kuti nguva dzekunyora dzakavhurika dzinogona kusiyana, zvinoenderana nekuti nyika yako ine yavo yekuchinjana kana kuvimba neiyo Federal kuchinjana. Unogona kuwana rumwe ruzivo ku zvehutano.gov .
RELATED: Maitiro ekuwana inishuwarenzi yehutano mushure mekunyora kunyoresa kwapera
Ndinoda inishuwarenzi yehutano, asi handina mari
Kana iwe usingakwanise kubhadhara inishuwarenzi yehutano, tarisa kuti uone kana iwe uchikodzera kufukidzwa pasi pechirongwa chenhengo yemhuri. Kune avo pasi pemakore makumi maviri nematanhatu , iwe unogona kukwanisa kujoina chirongwa chevabereki - zvinoenderana nezano ravo - kunyangwe iwe usingagare navo kana usiri kutsamira pamari pavari. Zvakare, kana iwe wakaroora kana mukudyidzana kwenguva refu, iwe unogona kukwanisa kujoina wako / murume kana mushandi wemumwe wako-anotsigirwa chirongwa. Muchato unoverengerwa se chiitiko cheupenyu chinokodzera , zvinoreva kuti iwe unogona kuwedzerwa kuchirongwa chemumwe wako mukati memazuva makumi matatu (kana kupfuura) kubva mukuroora. Kana iwe ukasasangana neino nguva yekupedzisira, iwe ungangoda kumirira kusvikira inotevera yakavhurika kunyoresa nguva yekujoinha.
Kana chirongwa chemunhu wemhuri chisiri sarudzo, unogona kukodzera kufukidzwa pasi peMedicaid kana yeVanaiti Hutano Inishuwarenzi Chirongwa (CHIP), maviri ehurumende nehurumende zvirongwa zveinishuwarenzi zvinobatsira vanowana mari shoma maAmerican nemari yekurapa kana kuburikidza nehurongwa hwepachivande). Kubva munaFebruary 2020, Mamiriyoni 63.8 eAmerica yakavharwa pasi peMedicaid. Mari uye kufukidzwa zvinosiyana nyika nenyika (mamwe matunhu, semuenzaniso, anopa kufukidza kune chero munhu mukuru ane mari inowira pazasi peimwe chikumbaridzo mwedzi wega wega), saka uchafanirwa kutsvagisa zvinodiwa nenyika yako. Pane nzira mbiri dzekunyorera Medicaid kana iwe usingakwanise kukodzera:
- Kuburikidza neHutano Inishuwarenzi Pamusika. Kana mushure mekuzadza chikumbiro ichi, zvinoita sekuti iwe kana mumwe munhu wemumba mako ungakwanise kuwana Medicaid, Musika unozotumira ruzivo rwako kuhurumende agency iyo inotungamira Medicaid. Munguva yekuita uku, iwe unogona zvakare kukodzera kuchengetwa (senge Affordable Care Act rutsigiro) pachirongwa chakazvimiririra zvichibva pamari yaunowana, iyo inogona kunyatsoita chirongwa chakazvimiririra mukati mekuwana mari.
- Zvakananga kuburikidza nedunhu rako Medicaid agency: Tsvaga maitiro ekutaurirana neyako pano .
RELATED: Medicaid inochinja 2020
Maitiro ekudzorera hutano inishuwarenzi kumashure
Kana iwe uri mukuda kwekukurumidza kwekuvharirwa asi yakavhurika kunyoresa nguva ichiri nemwedzi kure, ungangoda kufunga a kwenguva pfupi chirongwa cheinishuwarenzi chehutano se stopgap. Nhungamiro yekutanga yakapfuudzwa muna 2016 yakaratidza kuti inishuwarenzi yenguva pfupi inogona kungopedza mwedzi mitatu. Zvisinei, mitemo mitsva pasi pehutongi hwaTrump wedzera nguva iyoyo kusvika pamazuva makumi matatu nemazana mana nemakumi mana, pamwe nemukana wekuwedzeredzwa kwemwedzi inosvika makumi matatu nematanhatu.
Kuti zvive pachena, inishuwarenzi-yenguva pfupi haina kupa iyo yakazara yakazara kufukidzwa seboka rehutano hurongwa kana chirongwa chakakwanisika pasi peACA. Semuenzaniso, zvirongwa zvenguva pfupi hazvifanirwe kuvhara mari yekunyorerwa, mari dzekuzvitakura, kana vanhu vane mamiriro akange aripo. Iyo yekumusoro ndeyekuti iwe haufanire kumirira yakavhurika kunyoresa nguva, uye kufukidza kunowanzo kutanga mukati memazuva ekuti chikumbiro chako chigamuchire.
Imwe sosi yekuwedzera yeinishuwarenzi ndeye gap inishuwarenzi (AKA inishuwarenzi yeinishuwarenzi yako). Kunyangwe isina kuitirwa kuti ishandiswe seyakavharwa chete nemunhu, vamwe vanhu vanoishandisa nenzira iyoyo vasina unishuwarenzi. Iyi mhando yemutemo inowanzo shanda pamwe chete neinishuwarenzi yako yekutanga yehutano (chirongwa chehutano cheboka kana chirongwa cheAACA) kuti upe yakawedzera kufukidzwa. Semuenzaniso, kana yako yaunoshandira-inotsigirwa chirongwa chisingavhare basa rezvemazino, iwe unogona kukwanisa kuwana gap inishuwarenzi inoita.
Gap inishuwarenzi kufukidza yakanyanya kutaurwa uye inogona kutora kushanda mune zvimwe zviitiko, sekurwadziwa kwemoyo kana sitiroko. Makambani einishuwarenzi anozivikanwa anosanganisira AIG, Aetna, uye Aflac, uye maprimiyamu anoverengeka madhora makumi matatu- $ 40 pamwedzi.
Sezvineiwo, inishuwarenzi-yenguva pfupi (uye gap inishuwarenzi senzira yako chete yekuvhara) inofanirwa kushandiswa kudzamara wagona kukodzera kufukidzwa kwenguva refu panguva yakavhurika yekunyoresa Nepo kuvhura kunyoresa kwe2020 kwapfuura, 2021 mazuva ari kuuya : Maka karenda yako yaNovember 1, 2020 kusvika Zvita 15, 2020. Kunyange nyika zhinji dzichienderana nemazuva iwayo, kwete ese anoita, saka iwe uchazoda kutarisa misi yenyika yaunogara. Uyezve, California, Colorado, uye Washington, DC, vakawedzera mahwindo avo ekunyoresa akavhurika zvachose. Kunyoresa kweMedicaid zvakare kwakavhurika gore rese.
Kunyangwe iwe usina uninshuwarenzi kana underinsured, SingleCare inogona kukubatsira iwe kuchengetedza mari pamushonga wako wekurapa. SingleCare ibasa remahara rekuchengetedza basa iro rinogona kubatsira kudzikisa bhiri rako kuzviuru zvemaparmasi akatenderedza U.S. Unogona kushandisa kadhi redu pasina inishuwarenzi kuti ikubatsire kuchengetedza pamutengo wemari yemushonga.
Semuenzaniso, mu2019, avhareji mari mutengo we Oseltamivir phosphate (mushonga unorwisa utachiona unozivikanwa nezita rayo rekuti Tamiflu) waive $ 136.30. Nekadhi reSingleCare, avhareji mutengo wakadonhedzwa ku $ 52.51. Dhawunirodha kadhi rako remahara reSingleCare pano .
VERENGA ZVINOTEVERA: Nzira shanu dzekuwana rubatsiro nemari dzekurapa kana iwe usina inishuwarenzi
