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Uyini umshuwalense wezempilo wesikhashana?

Uyini umshuwalense wezempilo wesikhashana?Inkampani

Kulabo abathenga umshuwalense wezempilo ephaketheni, umshuwalense wezempilo wesikhashana imisindo njengenketho ekhangayo. Ngemuva kwakho konke, kunezindleko eziphansi nokukhahlelwa komshuwalense wezempilo ngokushesha. Kepha uma uhlaziya ikhava, uzobona ukuthi ayinikezi ukumbozwa okuphelele — ezinye izinhlelo zomshuwalense wezempilo zesikhathi esifushane kungenzeka zingabandakanyi izimo ebezikhona, ukunakekelwa kwezempilo yengqondo, noma imishanguzo kadokotela. Futhi uvame ukuba nezinye izinketho, njenge-COBRA noma ukumbozwa ngaphansi kohlelo lwelungu lomndeni. Ngakho-ke nini umshwalense wezempilo wesikhathi esifushane ukukhetha okulungile?

Umshwalense wezempilo wesikhashana esifushane ekuqaleni waklanyelwa ukuba ube yilokho okuzwakala kunje — isixazululo sesikhashana esifushane kubantu abadinga ukunakekelwa kwezempilo ngesikhathi segebe lokuqashwa ngenxa yezimo ezintsha zezokwelapha. Ekuqaleni, ubungavikeleka kuphela ngaphansi kohlelo lomshuwalense wezempilo wesikhashana kuze kube izinyanga ezintathu. Kusukela ngo-Okthoba 2018, noma kunjalo, lokho kuguqulwe kwaba yizinsuku ezingama-364, futhi izinhlelo zingavuselelwa kuze kufike ezinyangeni ezingama-36. Ngokwethiyori, omunye umuntu angabhalisela uhlelo olulodwa lwesikhathi esifushane, aphathe ukumbozwa okungaphansi konyaka owodwa, bese edlulela komunye othwala ngaphakathi kohlelo olufanayo lwesikhathi esifushane.



Kodwa-ke, kubalulekile ukuthi wazi ukuthi akuwona wonke amazwe anikela ngezinhlelo zesikhashana zezempilo njengenketho. Azitholakali ezifundeni eziyi-11, kufaka phakathi iCalifornia, iColorado, iNew York, iNew Jersey, neMassachusetts, noma kungenxa yokuthi zivinjelwe noma ngoba imithetho eqinile isho ukuthi izinkampani zomshuwalense zikhethe ukungazinikeli. Kwezinye izifundazwe, zingakhawulelwa kakhulu, futhi imithethonqubo iyahluka ngokuya ngokuthi ubude bezinketho nokuvuselelwa kanjani.



Lokho imishwalense embozayo iyahlukahluka kakhulu phakathi kwabomshwalense nezifundazwe, kodwa into eyodwa efana kakhulu ukuthi ayizibandakanyi izimo zempilo esezikhona. Ngokwengeziwe, imvamisa azibandakanyi zonke izinzuzo ezibalulekile zezempilo ezidingekayo ngaphansi kwe-Affordable Care Act (ACA noma i-Obamacare), okubandakanya ukunakekelwa kokuvikela njengokuvakasha kukadokotela ojwayelekile, ukunakekelwa kwabakhulelwe, kanye nemithi kadokotela.

Ingabe kufanele ngithole umshuwalense wezempilo wesikhashana?

Izinzuzo zezinhlelo zezempilo zesikhashana

Ngaphansi kwezimo ezithile, umshuwalense wezempilo wesikhashana ungasiza kakhulu. Inzuzo enkulu iphuzu lentengo; ama-premium akhokhwa nyangazonke angaphansi kancane kunezinhlelo zezempilo ezijwayelekile. Uma uphilile, ungaboni kusengaphambili ukuthi kunaluphi ushintsho olukhulu lwendlela yokuphila (njengokukhulelwa), maduzane, futhi alungile ngokutholakala okulinganiselwe, umshuwalense wesikhashana ungaba yitela eliqinile lokuphepha futhi ungafaka namanye amalungu akho umndeni.



Kuyasiza ezimweni ezithile, ezinjengaphakathi kokuqashwa, ngenkathi ulinde ukumbozwa kweMedicare ukungena, noma uma wena kuphuthelwe ukubhaliswa okuvulekile ngokusebenzisa umqashi wakho noma amapulatifomu,uthi I-Yuna Rapoport , MD, MPH, udokotela wezifo zamehlo eManhattan Eye eNew York City.Izinzuzo zifaka phakathi ukuthi kulula ukuthola futhi ukumbozwa kungangena ngokushesha okukhulu. Imvamisa zibiza kancane futhi zinikeza ukumbozwa okuphansi.

Umshuwalense wesikhashana uphinde unikeze ukuguquguquka — imvamisa usuku lokuqala kokusebenza luqala kungakapheli amahora angama-24 futhi ungakhansela ngokuthanda kwakho. Kungaba yisicefe ukubhalisela izinqubomgomo zomshuwalense wezempilo, kepha ngokumbozwa kwesikhashana, ukubhalisa kuvame ukuba inqubo elula futhi, ngoyebo noma cha imibuzo.

OKUSHIWO: Shintsha emsebenzini? Funda ngokumbozwa kwe-COBRA



okungcono kunomuthi wokuphikisana namakhaza

Okubi ngezinhlelo zezempilo zesikhashana

Ngenkathi umshuwalense wezempilo wesikhathi esifushane ungasiza ngokungabizi ukuvala igebe lokuhlanganisa phakathi kwemicimbi yempilo njengomsebenzi omusha noma ukuya ekolishi, inezingibe ezithile ezinkulu njengesixazululo sesikhathi eside.

Isimo sakho sempilo sizonquma ukuthi umshuwalense wezempilo wesikhashana uyindlela ongayikhetha yini. Uma unemibandela ebisivele ikhona njenge-asthma noma isifo sikashukela, kungenzeka ukuthi ngeke ufanelekele ukutholakala ngaphansi kohlelo lomshuwalense wezempilo wesikhashana. Okufanayo kuya ngezimo zempilo yengqondo kanye nokwelashwa kwengqondo. Futhi uma kuvela ukuthi ubunesimo esivele sikhona obungasazi noma uthikhe ibhokisi elingalungile kulokho kubhalisa okusheshayo? Ungahle uphelelwe yinhlanhla. Izinhlelo zezokwelapha zesikhashana azivumelani ne-ACA, ngakho-ke umshwalense angakwazi ukubuyekeza izimangalo zakho zangaphambilini zezokwelapha-kufaka phakathi ngaphambi kokuba zikumboze-ukuthola ukuthi ngabe unesimo esivele sikhona yini.

Ngokwengeziwe, impilo eningi eyisisekelo abantu abayifunayo ngaphandle komshwalense wabo wezokwelapha. Izinsizakalo zokunakekelwa kwezempilo njengokuvakasha okujwayelekile kodokotela nokutholakala kwemithi kadokotela kuvame ukukhishwa ezinhlelweni zesikhashana. Ungase futhi ukhawulelwe ngokuthi uhlelo lwakho luhlanganisa malini, kungaba ngonyaka noma ngosuku, okungukuthi ukugibela kwakho i-ambulensi kubiza u- $ 500, kepha umshwalense wakho wesikhashana ungaba nezinsizakalo eziphuthumayo ezingama- $ 300. Ngakho-ke ngenkathi amaphrimiyamu wakho wanyanga zonke eshibhile, ungahle usebenzise imali ethe xaxa kuzindleko ezingaphandle kwephakethe kunalokho obhajethe uma kufanele udinga ukunakekelwa noma ube nesimo esiphuthumayo.



Ngokuya ngokuthi uhlelo lwakho luphela nini, ungazithola ungenazo ezinye izinketho zokuhlanganisa. Uma uhlelo lwakho lwesikhathi esifushane luphela ngaphandle kwesikhathi sokubhalisa esivulekile se-ACA, ungahle ungafaneleki kuze kufike kwelilandelayo, njengoba ukuphela kokumbozwa kwesikhathi esifushane kungathathwa njenge umcimbi ofanelekayo ovumela Isikhathi Esikhethekile Sokubhalisa . Lokho kungasho isikhathi esibalulekile lapho ungenayo nhlobo umshuwalense wezempilo.


Ingabe umshwalense wesikhathi esifushane umqondo omuhle? Isifinyezo sezinzuzo nobubi
Buhle Nebubi
Amaphrimiyamu ashibhile ngenyanga ngaphandle kwezinhlelo ezijwayelekile Izindleko eziphuma ephaketheni zingaphakama ngenxa yokumbozwa okulinganiselwe
Ukufakwa ngokushesha ongakukhansela nganoma yisiphi isikhathi Ingozi eyengeziwe yokulahlekelwa ukubhaliswa okuvulekile
Izinhlelo zomuntu ngamunye nezomndeni ziyatholakala Ayibandakanyi izimo ezivele zikhona, ukugula ngengqondo, ukunakekelwa kokuvikela, noma imiyalelo

Ungaluthola kanjani uhlelo lomshuwalense wezempilo wesikhashana

Uma ucabanga ukuthi uhlelo lomshuwalense wezempilo wesikhashana futhi ukumbozwa kwalo okubalulekile kuyindlela engcono kakhulu kuwe, into yokuqala ukuthola ukuthi ayatholakala yini esifundazweni sakho. Uma uhlala ezifundazweni ezilandelayo, isikhathi esifushane ngeke kube inketho:

  • California
  • IColorado
  • IHawaii
  • EMassachusetts
  • I-New York
  • Ijezi elisha
  • Rhode Island
  • I-Vermont
  • I-Connecticut
  • ENew Mexico

Uma izinhlelo kukhona etholakala endaweni yangakini, kuwumqondo omuhle ukuqaphela izinto ezimbalwa: isikhathi sokumboza, njengoba ezinye izifunda zinemikhawulo emifushane kunezinye; izoba ngamaphrimiyamu akho wenyanga; nemininingwane yohlelo lokuphrinta emihle.



Izindleko zomshuwalense wezempilo wesikhashana

Ngenkathi ngokwesilinganiso, izinhlelo zomshuwalense wezempilo wesikhashana zicishe zibe 224% eshibhile kunezinhlelo ze-ACA, kuwumqondo omuhle ukubheka nokuthi yimaphi ama-aphoyintimenti noma ukuvuselelwa kadokotela okungenzeka ukuthi uza nakho. Isibonelo, uma unomuthi wonyaka wezokwelapha noma ugcwalisa njalo incwadi kadokotela, uzofuna ukufaka lezo zindleko zokunakekelwa kwezempilo njengoba uhlanganisa izindleko eziphuma ephaketheni sezizonke.

Ngingathatha i-diflucan ne-monistat ngasikhathi sinye

Futhi-ke, ukusebenzisa i-SingleCare, noma ngabe usohlelweni lwesikhathi esifushane lomshuwalense noma olufaneleka nge-ACA, kungakusiza ukuthi ulondoloze imiyalo.

FUNDA OKULANDELAYO: Ungawuthola kanjani umshuwalense wezempilo