Chii chinonzi COBRA inishuwarenzi yehutano?

Kambani Healthcare Yakatsanangurwa

COBRA inogona kuburitsa mifananidzo yenyoka ine njodzi, asi uri mutemo kubatsira vanhu vakarasikirwa nemabasa kana kuona maawa avo akaderedzwa kuchengeta inishuwarenzi yavo yehutano. Inonzi COBRA nekuti yakatumidzwa zita reConsolidated Omnibus Budget Reconciliation Act ya1985.

Kubva muna 2018 , 49% yevaAmerica vakagamuchira inishuwarenzi yavo sechikamu chehurongwa hwehutano hweboka kuburikidza nevavanoshandira. Kana vanhu ivavo vakarasikirwa nemabasa kana kuona maawa avo ebasa achidzikiswa kubva kuzere-kuita nguva-isina-basa pasina rubatsiro rwehutano-sezvakaitika pamwero wakawanda mudenda reCOVID-inogona kuve mamiriro anonyengera. Ndipo panopinda COBRA. Inoita kuti vanhu vagare pachirongwa cheboka kwechinguva pavanowana imwe nzira yehutano inishuwarenzi.

Kunyange izvo zvichinzwika senge sarudzo yakanaka, inishuwarenzi yeCOBRA inowanzo kudhura kupfuura chirongwa chevashandi vanoshanda uye haisi iyo nguva dzose inodhura kwazvo sarudzo. Zvisinei, iripo kuchengetedza vashandi vasina dzimwe sarudzo munguva pfupi.

RELATED: Chii chinonzi ipfupi-pfupi inishuwarenzi yehutano?

Chii chinonzi COBRA inishuwarenzi?

COBRA mutemo unodzorwa nehurumende yemubatanidzwa uye neU.S. Department of Labor, asi nyika zhinji dzine mitemo yadzo yakafanana. Chaizvoizvo, kuva neCOBRA inishuwarenzi - inonziwo COBRA kuenderera mberi kufukidza - zvinoreva kuti iwe nemhuri yako munotenderwa kugara pachirongwa chehutano cheboka rako kwenguva shoma mushure mekunge basa rako rapera kana shanduko.

Asi havazi vese vanorasikirwa nebasa ravo vanokodzera kufukidzwa neCOBRA. Mutemo wezvematongerwo enyika unongoshanda chete kumabhizinesi ane makumi maviri kana anopfuura vashandi. Vamwe vanoti 'COBRA-yakafanana nemitemo inovhara mabhizinesi madiki. Iyi mitemo inowanzo kunzi mini-COBRAs.

Kuti uve unofanirwa neCOBRA, unofanirwawo kunge wakamboona chiitiko chinokodzera, chinosanganisira kugumiswa semushandi wechinhu chero chipi zvacho kunze kwekukanganisa kwakashata kana kudzikiswa kwemaawa. Sekureva kweDhipatimendi reVashandi , murume kana mukadzi kana vana vanovimba nevashandi vakafukidzwa vanokodzera COBRA mune zviitiko zvinotevera zvinokodzera:

• kurambana kana kupatsanurwa zviri pamutemo kubva kumushandi akafukidzwa
• kufa kwemushandi akafukidzwa
• mwana anovimba anoshandura makore makumi maviri nematanhatu uye haachakwaniriswe chirongwa chehutano chevashandi chakavharidzirwa pasi peAnotengeka Care Act (ACA)

Kuti vakwanise, mushandi akafukidzwa (kana murume kana mukadzi wake uye vana vaanovimba navo) vanofanirwa kunge vakanyoreswa muboka rekambani inishuwarenzi yehutano zuva risati raitika chiitiko chakakodzera, uye chirongwa ichi chinofanirwa kuramba chichiitika kune vashandi vanoshanda mushure chiitiko chinokodzera.

Ndingaite sei ini kunyorera COBRA?

Mushure mechiitiko chinokodzera, mushandirwi anofanira kurega vanowana rubatsiro vazive nezve kukodzera kwavo kweCOBRA, uye chero mushandirwi kana mushandi akafukidzwa anofanira kurega kambani yeinishuwarenzi iri kutungamira chirongwa cheboka kuziva nezvechiitiko ichi.

Ibasa remushandirwi kuzivisa chirongwa mukati memazuva makumi matatu kune anotevera zviitiko zvinokodzera :

• yakavhara kugumiswa kwevashandi
• kuderedzwa kwemaawa akavharwa emushandi
• yakafukidza kufa kwemushandi
• akavharwa mushandi anokodzera Medicare
• yakazvimirira-chikamu kambani inoenda kubhuroka

Mushandi akafukidzwa kana mumwe anowana rubatsiro anokwanisa kuzivisa chirongwa kana chiitiko chakakodzera kurambana kana kupatsanurwa zviri pamutemo, kana kana mwana akarasikirwa nechimiro chake cheari pasi pehurongwa hweboka.

Mushure mekunge chirongwa chaziviswa, kambani yeinishuwarenzi inofanirwa kupa vanowana rubatsiro chiziviso chinotsanangura kodzero dzavo pasi peCOBRA uye maitiro ekusaina kusaina kuenderera mberi kufukidza. Ichi chiziviso chesarudzo chinofanirwa kupihwa kune vanowana rubatsiro mukati memazuva gumi nemana. Mushure mekugamuchira chiziviso chesarudzo, iwe unenge uine mazuva makumi matanhatu ekufunga kuti usarudze kana kwete kusarudza COBRA kufukidzwa.

Mumwe nemumwe anowana mubhadharo akafukidzwa nehurongwa hweboka anogona kuzviitira sarudzo yake maererano neCOBRA inishuwarenzi, uye kana chero munhu anowana achiregeredza kufukidzwa kweCOBRA, vanobvumidzwa kudzosa iyo waiver uye vasarudze kufukidzwa kweCOBRA gare gare, chero bedzi vachidaro mukati meiyo imwechete 60 -musi wesarudzo nguva.

COBRA inotora nguva yakareba sei?

Iyo yakareba yenguva COBRA kufukidzwa inogara kunoenderana nechiitiko chinokodzera uye chirongwa cheboka rekambani. Consolidated Omnibus Budget Reconciliation Act inoda kuti kuenderera mberi kwekuvhara kuvepo kwemwedzi gumi nemasere kana makumi matatu nematanhatu, asi mamwe marongero ezvehutano anogona kupa kwenguva yakareba kupfuura iyoyo.

Kana iwe ukarasikirwa nebasa rako kana ukaona kudzikiswa kwemaawa ebasa, iwe une kodzero yeCOBRA kufukidzwa kwemwedzi gumi nemasere. Zvimwe zviitiko zvinokodzera (kunze kwekukodzera kweMedare) zvinoita kuti uve nekodzero yekuvhara kwemwedzi makumi matatu nematanhatu.

Nekudaro, kana kufukidzwa kwako kwakarongedzwa pamwedzi gumi nesere, unogona kukodzera kuwedzerwa mukuvhara muzviitiko zviviri: Chekutanga, kana iwe wakaremara uye ukazadzisa zvimwe zvinodiwa, mune iyo nyaya iyo kufukidzwa kwevose vanokwanisa vanobatsirwa kunogona kuwedzerwa kwemwedzi gumi neimwe. . Chechipiri, kana chiitiko chako chakakodzera chichiita kuti usakodzere kufukidzwa zvakare. Zviitiko zvakadaro zvinosanganisira kufa kwemushandi akafukidzwa, kurambana kwemushandi akafukidzwa, mushandi akafukidzwa anokodzera Medicare, kana mwana arasikirwa nechimiro chekutarisirwa pasi pehurongwa hweboka. Mune zviitiko izvi, kufukidzwa kweCOBRA kunogona kuwedzerwa mimwe mwedzi gumi nemasere kusvika pamwedzi makumi matatu nematanhatu.

Medicare uye COBRA

Kana mushandi akafukidzwa achinge akwanisa kuwana Medicare isingasviki mwedzi gumi neshanu chiitiko ichi chisati chakwanira, kuenderera mberi nekuvharira murume kana mukadzi akavharirwa nevashandi vanogona kusvika pamwedzi makumi matatu nematanhatu, kubvisa iyo mwedzi yemushandi akafukidzwa anga achikodzera Medicare. Semuenzaniso, kana mushandi akafukidzwa aikodzera Medicare kwemwedzi gumi pamberi pechiitiko chinokodzera, vamwe vanowana rubatsiro pachirongwa chehutano cheboka vaizove nekodzero yekuvhara COBRA kwemwedzi makumi maviri nematanhatu.

Izvo zvinogoneka, uye dzimwe nguva zvinokurudzirwa, kuve nezvose zviri zviviri COBRA uye Medicare kufukidza panguva imwe chete. Kuti uwane rumwe ruzivo nezvekuti kukodzera kweMedare kunokanganisa sei kufukidzwa kweCOBRA, iyo Dhipatimendi reVashandi Rezvibatsiro Zvekuchengetedza Dziviriro inogona kusvikwa pa askebsa.dol.gov kana nefoni pa1-866-444-3272.

Marii yakawanda sei iyo COBRA?

Mune angangoitika ese, kufukidzwa kweCOBRA kunodhura kupfuura kufukidzwa kumwe chete kungave kwevashandi vanoshanda.

Pasi pemutengo unodhura weCare Act, zvirongwa zvehutano zvine chekuita nebasa zvinofanirwa kupa hushoma kufukidzwa kana zvirinani. Minimum kufukidza ndiko inotsanangurwa sehurongwa hunobhadhara angangoita 60% yemutengo wese wezvekurapa kwehuwandu hwevanhu, uye zvinosanganisira kufukidzwa kwakakura kwechiremba uye vari muchipatara varwere. Aya mashizha akafukidza vashandi kubhadhara imwe 40% muzana.

Kazhinji, pasi peCOBRA, hauchazovazve nemushandirwi wako achibhadhara chikamu chayo che60%, zvinoreva kuti unogona kunge uri pachikwereti chemutengo wese weinishuwarenzi. Muchokwadi, pasi pemutemo weCOBRA iyo inishuwarenzi kambani inobvumidzwa kubhadharisa kusvika ku102% yemutengo wehurongwa hwakafanana kune mushandi anoshanda (iyo yekuwedzera 2% inoenda kumitengo yehutongi). Uye kana iwe ukatora kuwedzerwa kwemwedzi gumi nerimwe yekuwedzera kwehurema, kambani yeinishuwarenzi inobvumidzwa kubhadharisa kusvika ku150% yezvechirongwa chenguva dzose yemitengo kune iwo gumi nemwedzi.

Zvese zvataurwa, zvinoreva izvo mari yeinishuwarenzi yehutano - iyo mari inobhadharwa kukambani yeinishuwarenzi nguva dzose - inogona kudhura zvakanyanya pasi peCOBRA. Uye kunyangwe paine COBRA, vanobatsirwa vachiri kufanira kubhadhara chirongwa chenguva dzose macopays ekushanyirwa kwechiremba uye kubvisirwa gore rega (iyo mari inokwenenzverwa bato inishuwarenzi inishuwarenzi isati yatanga). Mari dzaunobhadhara dzinogona kutokwira kana mutengo wehurongwa hweboka ukakwira.

Mutemo weCOBRA unoti kambani yeinishuwarenzi inokutendera kuti ubhadhare mari yepayimendi pamwedzi kana ukasarudza. Zvimwe zvirongwa zvinogona zvakare kukubvumidza iwe kuti ubhadhare vhiki nevhiki kana makota. Vanokodzera vanobatsirwa vanowanzo fanirwa kuita yavo yekutanga kubhadhara mukati memazuva makumi mashanu ekutanga pane COBRA inishuwarenzi. Kana ukarasikirwa nemubhadharo, kambani yeinishuwarenzi inofanirwa kukupa mazuva enguva makumi matatu ekuita mari ipi neipi, asi mushure meizvozvo, kana kubhadhara kukasati kwaitwa, unogona kurasikirwa nezvibatsiro zvako zveCOBRA.

COBRA dzimwe nzira

Tichifunga nezve inodhura mhando yeCOBRA inishuwarenzi, iyo Dhipatimendi reVashandi inokurudzira kuti vanhu avo vachangobva kusangana nechiitiko chakakodzera vatarise inishuwarenzi inodhura nenzira dzakasiyana. Heano mashoma sarudzo dzekuvhara.

Chirongwa chehutano chemumwe / mukadzi: Kana mhuri yako ikarasikirwa newaunoshandira-based health kufukidzwa, tarisa kuti uone kana wako waanoshandira waanopa inishuwarenzi yehutano. Izvi zvingangove zvakachipa pane kuenderera mberi nekuvharidzira kwako kuripo neCOBRA.

Rimwe chirongwa cheboka: Kana iwe ukarasikirwa nebasa rako-based inishuwarenzi yehutano, iwe, wawakaroorana naye, kana vavanovimba navo munogona kubvumidzwa kunyoresa mune rimwe boka chirongwa chehutano panguva yeKunyoresa Kunyoresa Nguva. Izvi zvinoreva kuti haufanire kumirira kusvika mwaka unotevera wakazaruka wekunyoresa.

Hutano Inishuwarenzi Pamusika: Chiitiko chinokodzera zvakare chinokutendera iwe kushandisa yakakosha kunyoresa nguva kunyoresa kuburikidza neHutano Inishuwarenzi Musika kana yako yenyika inishuwarenzi kuchinjana. Apa ndipo paunogona kuenzanisa marongero uye nekuona inofungidzirwa maprimiyamu, zvakabviswa, uye kunze-kwehomwe mari. Hauzofaniri hako kumirira kusvikira rinotevera yakavhurika kunyoresa nguva , uye kana iwe ukawana inishuwarenzi yehutano kuburikidza neMusika, iwe unogona kuve unokodzera kuwana mutero kiredhiti iyo inogona kudzikisira maprimiyamu ako. Kuti unyore chirongwa cheMusika, shanyira healthcare.gov kana kufonera 1-800-318-2596.

Medicaid kana Vana Hutano Inishuwarenzi Chirongwa (CHIP): Kune mhuri dzinowana mari yepasi uye vanhu vanokodzera, Medicaid uye CHIP zvinopa yakaderera- kana isingabhadharise hutano kurapwa. Kuti uone kana iwe uchikodzera kuMedicaid, shanyira yako Medicaid webhusaiti webhusaiti kana iyo U.S. Dhipatimendi rehutano neHuman Services ku hhs.gov . Kunyorera CHIP, fona 1-800-318-2596 kana kuzadza kunyorera kuburikidza ne Hutano Inishuwarenzi Pamusika .

Maitiro ekusevha pane zvakanyorwa kana kana pasina COBRA

Kunyangwe iwe uchisarudza COBRA kuenderera mberi kufukidza kana kwete, iwe unogona kugara uchichengetedza pamishonga yemishonga nemakoni kubva kuSingleCare. Iko kusununguka kushandisa uye iwe uchawana mitengo inogona kutodhura pane yako inishuwarenzi copay. Tanga kutsvaga pa singlecare.com zvemushonga wako uye ona zvaunogona kuchengetedza.