Ungawuthola kanjani umshuwalense wezempilo ngemuva kokuphela kokubhalisa okuvulekile

Inkampani

Vula ukubhaliswa kwe- Indawo Yemakethe Yomshwalense Wezempilo imvamisa isebenza kusuka ngoNovemba 1 kuya kuDisemba 15 njalo ngonyaka. (Izifundazwe eziningana, esikhathini esedlule, zelule umnqamulajuqu odlule ku-Dec. 15.) Ngesikhathi samasonto ayisithupha, amakhasimende anikezwa ithuba lokubhalisela ukunakekelwa kwezempilo okusha, ashintshe uhlelo lwawo lwamanje lwezempilo abe olusha, kanye / noma faka isicelo sosizo lwezindleko. Izinhlelo ezibhaliswe ngaleso sikhathi ziqala ukusebenza ngoJan. 1 wonyaka olandelayo.

Njengoba izigidi zabantu baseMelika zifake isicelo sosizo olungenamisebenzi ngenxa ye- i-COVID-19 ubhadane, abantu abaningi babhekene nenye inselelo: ukulahlekelwa ngumshwalense wabo wezempilo. Uma ungasatholi izinzuzo zezokwelapha, nansi indlela yokuthola umshuwalense wezempilo ngemuva kokubhaliswa okuvulekile.

Ungabhalisela umshwalense wezempilo ngaphandle kokubhaliswa okuvulekile?

Kungenzeka uthole umshuwalense wezempilo noma ushintshe uhlelo lwakho lweMakethe ngemuva kwesikhathi sokubhalisa esivulekile kuphela uma uhlangabezana nomcimbi okungenani owodwa wokuphila ofanelekela ukuthola Isikhathi Esikhethekile Sokubhalisa .

Kubalulekile ukuthi wazi ukuthi ungahle ungafaneleki ukuthola usizo lwezindleko uma ubhalisela ukufakwa kwezempilo ngemuva kwe- isikhathi sokubhalisa esivulekile minyaka yonke . Abantu abangakufanelekeli ukutholakala ngo-2020 ngeSikhathi Esikhethekile Sokubhalisa bangabhalisa emshuwalense wezempilo ngesikhathi esijwayelekile Ukubhaliswa okuvulekile kwe-ACA kwe-2021 kusuka ngoNovemba 1, 2020.

I-Medicare nayo inohlu lwemicimbi efanelekayo Yesikhathi Esikhethekile Sokubhalisa. Kodwa-ke, ngaphandle kokuthi ube nemali engenayo ephansi (ofanelekela uhlelo olufana neMedicaid, iMedicare Savings Program, noma Ingxenye D Usizo Olwengeziwe), ukubhaliswa sekwedlule isikhathi kunoma iyiphi ingxenye yeMedicare B kungaholela ekukhokhelweni okuphakeme, ngokusho I-Medicare.gov . Uma ufanelekela enye yalezi zinhlelo zemali engenayo ephansi, ungakwazi ukwandisa ukufaneleka kwakho kwezinye izingxenye ze-Medicare, futhi, ngaphandle kwezikhathi ezijwayelekile zokubhalisa ezichazwe ngenhla.

Ungawuthola kanjani umshuwalense wezempilo ngemuva kokubhaliswa okuvulekile

Uma ufuna ukubhalisela uhlelo lomshuwalense wezempilo ngemuva kwesikhathi esinqunyiwe sokubhalisa, nazi izinketho ezimbalwa:

1. Isikhathi Sokubhalisa Esikhethekile Semakethe

Umcimbi wempilo ofanelekayo weSikhathi Sokubhalisa Esikhethekile uchazwa ngokuthi:

• Ushintsho emndenini (umshado / isehlukaniso, ukuthola noma ukuthola ingane, njll.)
• Ushintsho endaweni yokuhlala
• Ukulahleka kokumbozwa
• Ukuba yisakhamuzi saseU.S
• Ukuthola ubulungu esizweni noma kwisikhundla esaziwa njenge-Alaska Native Claims Settlement Act (ANCSA) shareholder Corporation
• Ukuqala noma ukuqeda insizakalo njengelungu le-AmeriCorps State kanye neLizwe, i-VISTA, noma i-NCCC

Ukuze uthole ukuthi ngabe ufanelekile yini ukuthola Isikhathi Esikhethekile Sokubhalisa kuzinhlelo zeMakethe, vakashela ezempilo.gov ukuphendula imibuzo embalwa. Uma ufaneleka, qala ngo- ukugcwalisa isicelo kuwebhusayithi kahulumeni, kanye ne ukuvakashela lesi sigaba sesayithi ukubuyekeza izinhlelo zamanje nezintengo.

2. Izikhathi Zokubhalisa Ezikhethekile ze-Medicare

Bangu izikhathi ezihlukile zokubhalisa kubantu abane-Medicare.

• Isikhathi sokuqala sokubhalisa: Bhalisela i-Medicare Part A kanye / noma Ingxenye B kungakapheli izinyanga eziyisikhombisa kusukela uqala ukuthola iMedicare ngeminyaka yobudala noma ngokukhubazeka.
• Isikhathi sokubhalisa esivulekile: Linganisa futhi wenze ushintsho ekufakweni kwakho kwe-Medicare noma i-Medicare Advantage, noma ukumbozwa kwakho kweNgxenye D, kusukela ngo-Okthoba 15 kuya kuDisemba 7.
• Isikhathi sokubhaliswa okujwayelekile: Isikhathi esiphakathi kukaJan 1 noMashi 31 minyaka yonke kulapho ungabhalisa okokuqala ngqa kwi-Medicare Part B. Ungahle ufaneleke ukubhalisela i-Medicare Advantage (Ingxenye C) noma uhlelo lomuthi kadokotela (Ingxenye D) ngo-Ephreli 1 kuya kuJuni 30 wangonyaka ofanayo ngokutholakala kusukela ngoJulayi 1.

Ngokufana nezinhlelo zeMakethe, iMedicare nayo inezikhathi ezikhethekile zokubhalisa. Ungasifanelekela Isikhathi Sokubhaliswa Okukhethekile Kwe-Medicare uma uhlangabezana nanoma yikuphi lezi zidingo zokufaneleka , okubandakanya ukulahlekelwa ukumbozwa ngaphandle kwephutha lakho, ukuthuthela noma kusuka ezikhungweni zezikhungo, nokuhlangabezana nezinguquko ekuvumeleni kwakho izinhlelo ezithile.

3. I-Medicaid noma i-CHIP

Izinhlelo zezempilo ezingabizi ngeMedicaid ne-CHIP ziyatholakala unyaka wonke ngaphandle kosuku. Uma ufanelekela eyodwa noma zombili lezi zinhlelo, ukubhaliswa kungaqala ngokushesha. Isinyathelo sokuqala ukuthola ukuthi ufanelekile yini ukuthola iMedicaid kanye / noma i-CHIP ngokuphendula imibuzo embalwa ku ezempilo.gov . Uma ufanelekela iMedicaid kanye / noma i-CHIP, unethuba lokufaka isicelo sokutholakala ngokusebenzisa i- Indawo Yemakethe Yomshwalense Wezempilo noma nge-ejensi yeMedicaid ngaphakathi kwesifundazwe sakho. Vakashela ezempilo.gov ukuze ufunde kabanzi ngalezi zinhlobo zokumbozwa.

4. Izinhlelo zomshwalense wezempilo zesikhashana esifushane

Ebizwa nangokuthi umshuwalense wezempilo wesikhathi eside noma umshuwalense wesikhashana, izinhlelo zesikhashana ayatholakala kwezinye izifundazwe ukuthi angathengwa unyaka wonke. Lolu hlobo lokumboza lungavala igebe phakathi kwezinqubomgomo. Ngenkathi lezi zinhlelo zimboza abanye emndenini wakho, akudingeki ukuthi bahlanganise izinzuzo eziningi ezihlanganiswa yizinhlelo ze-ACA (njengokunakekelwa kokuvikela, ukumbozwa kwezidakamizwa kadokotela kanye nezinsizakalo zelabhoratri), kanye nezimo ezikhona ngaphambili, ngokusho UnitedHealthcare . Umshuwalense wesikhathi esifushane ungakhanselwa nganoma yisiphi isikhathi ngaphandle kwenhlawulo. Vakashela ezempilo.com ukuthola ukuthi ngabe izwe lakho linikeza lolu hlobo lwenqubomgomo. Uma ulahlekelwe umshwalense wakho wezempilo ngenxa yokulahleka kwemisebenzi noma izinguquko, ungahle futhi ufanelekele ukutholakala kokuqhubeka kwe-COBRA, ongafunda kabanzi ngakho lapha .

5. Umshuwalense wezempilo owengeziwe

Izinhlelo zomshuwalense wezempilo ezengeziwe zenzelwe ukusiza abantu nemindeni ukukhokhela izindleko ezingeziwe ezinganikezwa kwinqubomgomo yabo eyinhloko ngesikhathi sokuhlala esibhedlela (ngokwesibonelo, imali edonswayo kanye negumbi elizimele), ngokusho State Ipulazi . Aetna ithi umshuwalense wokungezelela ungasiza futhi ngezikweletu ezibalulekile, njengokuthenga ngempahla nokuthenga ukudla. Izinhlelo ziyahlukahluka ngesifundazwe ngasinye kanye nomphathi womshuwalense.

Izindleko zokungaqinisekisiwe

Akungabazeki ngakho-ukuthenga izinzuzo zezempilo wena kanye / noma nomndeni wakho kuyabiza. Valuepenguin.com , indawo yezimali yomuntu ephethwe yi-LendingTree, ilinganisela ukuthi isilinganiso se-premium senyanga sisukela ku- $ 323 kuya ku- $ 732 umuntu ngamunye. Izindleko yi- isizathu esiyinhloko kungani abantu bebeka umshwalense wezempilo.

Ngokuya nge-Affordable Care Act (ACA), kuze kube ngu-2018, abantu abangazange bathenge uhlelo noma babe nomshuwalense wezempilo ngomqashi wabo, i-Medicare, i-Medicaid, njll-kodwa abakwazi ukuthenga umshuwalense wezempilo-bakhokhiswa imali (futhi eyaziwa ngokuthi Inkokhelo Yomthwalo Wokwabiwa Komuntu Ngamunye noma Igunya Lomuntu Ngamunye) lapho ufaka intela yenhlangano. Ngenkathi lesi sinhlawulo sentela singasasebenzi ezingeni likahulumeni — ushintsho olwenzeka ngo-2019 — izifundazwe ezine zakhipha inhlawulo yazo ngokungatholakali, kufaka phakathi:

• Isifunda saseColumbia
• EMassachusetts
• Ijezi elisha
• I-Vermont

Kodwa-ke, ukuthi akusekho inhlawulo yentela yenhlangano yokungabi nomshwalense, akusho ukuthi azikho ezinye izingozi zezezimali ezihambisana nokungavunyelwa.

Ngokwezibalo ezihlanganiswe yi IKaiser Family Foundation , abantu abangenakho ukutholakala bavame ukukhokhiswa amanani aphezulu ngezibhedlela uma kuqhathaniswa neziguli ezinomshuwalense ngenkampani ezimele noma ngohlelo lomphakathi. Futhi, labo abangenawo umhlomulo onyakeni owodwa ogcwele bakhokha ngaphezu kokukodwa kokuthathu kokuvakashelwa kwabo okuphuthumayo noma ukuqokwa kwezempilo okujwayelekile ngaphandle kwe-pocket-lapho ama-64% engakwazi ukukhokha izikweletu zabo zokwenyuka, okungenzeka kuholele ebunzimeni bokuthola izidingo eziyisisekelo, kanye nokuqothuka.

Futhi, ucwaningo lukhombisile ukuthi labo abangenawo umshuwalense wezempilo mancane amathuba okuthi bathole ukunakekelwa kokuvikela kanye nezinsizakalo zezokwelapha zezifo ezinzima kanye nezimo zezempilo ezingalapheki. Akunandaba ukuthi uthwala umshwalense, izinhlelo zomshuwalense wezempilo zinikela mahhala ukunakekelwa kokuvimbela ezinganeni nakubantu abadala (njengokuhlolwa, imigomo kanye nokuhlolwa minyaka yonke) inqobo nje uma insizakalo inikezwa ngudokotela ngaphakathi kwenethiwekhi.

Izindlela ezingeziwe zokonga ngaphandle komshwalense wezempilo

Yize kungesilo uhlelo lomshuwalense wezempilo, iSingleCare uhlelo lokuncishiswa kadokotela olunikeza ikhadi lesaphulelo lamahhala ukwehlisa intengo yemithi kadokotela kulabo noma ngaphandle komshuwalense . Uma ungenawo umshwalense noma ukhokha inani lemali yemithi yakho, ungabona kuze kufike ku-80% wokonga ngekhadi lethu. Sisebenzisane namakhemisi angaphezu kwama-35,000 ezweni lonke (kufaka phakathi i-CVS, Target, Walgreens neWalmart), ngakho-ke qala ngokufuna umuthi wakho namuhla ku-singlecare.com.