Uyifumana njani i-inshurensi yezempilo emva kokuphela kobhaliso

Inkampani

Ubhaliso oluvulekileyo lwe- Indawo yentengiso ye-Inshurensi yezeMpilo ziqhuba rhoqo nge-1 kaNovemba ukuya kwi-15 kaDisemba rhoqo ngonyaka. (Amazwe aliqela, kwixa elidlulileyo, andise umhla wokugqibela we-15 kaDisemba.) Ngexesha leeveki ezintandathu, abathengi banikwa ithuba lokuba babhalise kukhuseleko olutsha lwezempilo, batshintshe isicwangciso sabo sezempilo siye kwesinye, kunye / okanye Faka isicelo soncedo lweendleko. Izicwangciso ezazibhaliswe ngelo xesha ziqala ukusebenza nge-1 kaJanuwari wonyaka olandelayo.

Ukusukela ukuba izigidi zabantu baseMelika zenze isicelo soncedo olungenamsebenzi ngenxa ye- I-COVID-19 ubhubhane, abantu abaninzi bajongene nomnye umceli mngeni: ukuphulukana neinshurensi yezempilo. Ukuba awusafumani zibonelelo zonyango, nantsi indlela yokufumana i-inshurensi yezempilo emva kokubhalisa okuvulekileyo.

Ngaba ungabhalisela i-inshurensi yezempilo ngaphandle kobhaliso oluvulekileyo?

Kuyenzeka ukuba ufumane i-inshurensi yezempilo okanye utshintshe isicwangciso sakho seNdawo yokuThengisa emva kwexesha lobhaliso oluvulekileyo kuphela ukuba ufumana ubuncinci isiganeko sobomi esinye esikulungeleyo Ixesha elithile loBhaliso .

Kubalulekile ukuba uqaphele ukuba awungekhe ufanelekele uncedo lweendleko ukuba ubhalisela ukhuseleko lwempilo emva ixesha lokubhalisa elivulekileyo lonyaka . Abantu abangakulungelanga ukukhutshwa ngo-2020 ngeXesha elithile loBhaliso banokubhalisa kwi-inshurensi yezempilo ngexesha eliqhelekileyo Ubhaliso oluvulekileyo lwe-ACA ye-2021 ukuqala ngo-Novemba. 1, 2020.

I-Medicare ikwanoluhlu lweziganeko ezifanelekileyo zeXesha elithile loBhaliso. Nangona kunjalo, ngaphandle kokuba unomvuzo ophantsi (ukulungela inkqubo efana neMedicaid, iNkqubo yoLondolozo lweMedicare, okanye iCandelo D Uncedo olongezelelekileyo), ukubhaliswa kade kulo naliphi na icandelo leMedicare B kunokubangela ipremiyamu ephezulu, ngokwe amayeza.gov . Ukuba ulungele enye yeenkqubo ezinengeniso ephantsi, unokukwazi ukwandisa ukufaneleka kwakho kwiindawo ezithile ze-Medicare, ngokunjalo, ngaphandle kwexesha lokubhalisa eliqhelekileyo elichazwe ngasentla.

Uyifumana njani i-inshurensi yezempilo emva kokubhalisa okuvulekileyo

Ukuba ujonge ukubhalisa kwisicwangciso seinshurensi yezempilo emva komhla obekiweyo wokubhalisa, nazi ezinye iindlela ezimbalwa:

1. Ixesha leMarike lokuBhalisa eliKhethekileyo

Umnyhadala wobomi ofanelekileyo weXesha eliKhethekileyo loBhaliso uchazwa njenge:

• Utshintsho kwikhaya (umtshato / uqhawulo-mtshato, ukuba nosana okanye ukulufumana, njl.
• Utshintsho kwindawo yokuhlala
• Ilahleko kwingxelo
• Ukuba ngummi waseU.S
• Ukufumana ubulungu kwisizwe esaziwayo okanye isikhundla njengeAlaska Native Claims Settlement Act (ANCSA) Corporation
• Ukuqala okanye ukugqiba inkonzo njenge-AmeriCorps State kunye neLizwe, i-VISTA, okanye ilungu le-NCCC

Ukuze ufumanise ukuba ufanelekile na kwiXesha elithile loBhaliso kwizicwangciso zeMarike, ndwendwela kwezempilo.gov ukuphendula imibuzo embalwa. Ukuba uyafaneleka, qalisa ngo ukugcwalisa isicelo kwiwebhusayithi karhulumente, kunye Ndwendwela eli candelo lesiza Ukuphonononga izicwangciso ezikhoyo kunye namaxabiso.

2. AmaXesha oBhaliso aKhethekileyo

Nazi amaxesha obhaliso ahlukeneyo kubantu abaneMedicare.

• Ixesha lokubhalisa lokuqala: Bhalisela i-Medicare Part A kunye / okanye iCandelo B kwisithuba seenyanga ezisixhenxe zexesha lokuqala unelungelo lokufumana i-Medicare ngenxa yobudala okanye ukukhubazeka.
• Ixesha lokubhalisa elivulekileyo: Phinda uvavanye kwaye wenze utshintsho kwi-Medicare yakho okanye kwi-Medicare ye-Advantage, okanye kwi-Part D yokugubungela, ukusuka nge-15 ukuya ku-Disemba.
• Ixesha lokubhalisa ngokubanzi: Ixesha eliphakathi kukaJan. Unokufanelekela ukuba ubhalise kwi-Medicare Advantage (Icandelo C) okanye kwiplani yamachiza amayeza (Icandelo D) ngo-Epreli 1 ukuya kuJuni.30 kwangaloo nyaka kunye nokugubungela ukuqala ngoJulayi 1.

Ngokufana nezicwangciso zeMarike, iMedicare ikwanamaXesha oBhaliso aKhethekileyo. Unokulifumana ixesha lokuBhalisa eliKhethekileyo xa usadibana nayo nayiphi na ezi mfuno zokufaneleka , Okubandakanya ukuphulukana nokugubungela ngaphandle kwesiphoso sakho, ukuya okanye kumaziko amaziko, kunye nokufumana utshintsho ekufanelekeni kwakho kwiinkqubo ezithile.

3. Medicaid okanye i-CHIP

Izicwangciso zezempilo ezinokufikeleleka ngeMedicaid kunye ne-CHIP ziyafumaneka unyaka wonke ngaphandle komhla. Ukuba ulungele enye okanye zombini ezi nkqubo, ubhaliso lungaqala kwangoko. Isinyathelo sokuqala kukufumanisa ukuba ufanelekile kwi-Medicaid kunye / okanye kwi-CHIP ngokuphendula imibuzo embalwa kwezempilo.gov . Ukuba ulungele iMedicaid kunye / okanye i-CHIP, unokukhetha ukufaka isicelo sokugubungela nokuba kungoku Indawo yeNtengiso ye-Inshurensi yezeMpilo okanye kwiarhente yeMedicaid ngaphakathi kwilizwe lakho. Tyelela kwezempilo.gov ukufunda okungakumbi malunga nezi ntlobo zokugubungela.

4. Izicwangciso zeinshurensi yezempilo yexeshana elifutshane

Ikwabizwa ngokuba li-inshurensi yexesha okanye impilo, izicwangciso zexesha elifutshane ziyafumaneka kwamanye amazwe ukuba zithengwe unyaka wonke. Olu hlobo lokugubungela lunokuvala umsantsa phakathi kwemigaqo-nkqubo. Ngelixa ezi zicwangciso zigubungela abanye kusapho lwakho, akufuneki ukuba bagqibe ngezibonelelo ezininzi ezigutyungelwe zizicwangciso ze-ACA (ezinje ngononophelo, uthintelo lweziyobisi kunye neenkonzo zaselebhu), kunye nokugubungela iimeko ezazisele zikhona, ngokwe Ukhathalelo lweZempilo . I-inshurensi yexesha elifutshane inokurhoxiswa nanini na ngaphandle kwesihlwayo. Tyelela ezempilo.org ukufumanisa ukuba imeko yakho inikezela ngolu hlobo lomgaqo-nkqubo. Ukuba ulahlekelwe yinshurensi yakho yezempilo ngenxa yokulahleka kwemisebenzi okanye utshintsho, unokufumana isiqinisekiso sokuqhubeka kwe-COBRA, onokufunda ngakumbi ngaso Apha .

5. I-inshurensi yempilo eyongezelelekileyo

Izicwangciso zeinshurensi yempilo eyongezelelweyo yenzelwe ukunceda abantu kunye neentsapho ukuba zihlawule iindleko ezingafakwanga kwimigaqo-nkqubo yazo yokuqala ngexesha lokuhlala esibhedlele (umzekelo, ukuncitshiswa kwegumbi kunye negumbi labucala), ngokwe Ifama yaseburhulumenteni . UAetna ithi i-inshurensi eyongezelelekileyo inokukunceda nakwimali eyilwayo ebalulekileyo, enjengokubambisa kunye nokutya. Izicwangciso ziyahluka ngurhulumente ngamnye kunye nomphathi weinshurensi.

Iindleko zokungaqinisekiswanga

Akukho mathandabuzo ngayo-ukuthenga izibonelelo zempilo ngokwakho kunye / okanye usapho lwakho kubiza kakhulu. Valuepenguin.com , indawo yezemali eyeyeLendingTree, uqikelela ukuba i-avareji yepremiyamu yenyanga isusela kwi- $ 323 ukuya kwi-732 yeedola ngomntu ngamnye. Ixabiso ngu esona sizathu siphambili kutheni abantu be-inshurensi yezempilo.

Ngokusekwe kuMthetho woKhathalelo ongenakufikeleleka (ACA), ukuya kuthi ga ngo-2018, abantu abangakhange bathenge sicwangciso okanye babe neinshurensi yezempilo kumqeshi wabo, kwiMedicare, kwiMedicaid, njl. eyaziwa njengeNtlawulo yoXanduva loMntu ngaMnye okanye uMntu oGunyazisiweyo) xa kufayilwa irhafu yomanyano. Ngelixa isohlwayo serhafu singasasebenzi kwinqanaba lomdibaniso-utshintsho olwenzeka ngo-2019-amazwe amane akhupha eyabo intlawulo ngokungabinayo ingxelo, kubandakanya:

• ISithili saseColumbia
• EMassachusetts
• Enew Jersey
• IVermont

Nangona kunjalo, ngenxa yokuba akusekho isohlwayo serhafu sokungabinayo i-inshurensi, oko akuthethi ukuba azikho ezinye iingozi zemali ezinxulunyaniswa nokungafakwanga i-inshurensi.

Ngokwezibalo eziqulunqwe yi Isiseko soSapho seKaiser , abantu ngaphandle kokugubungela bahlala behlawuliswa amaxabiso aphezulu ezibhedlele xa kuthelekiswa nezigulana ezineinshurensi ngenkampani yabucala okanye kwinkqubo yoluntu. Kananjalo, abo bangenazo izibonelelo zonyaka omnye opheleleyo bahlawula ngaphezulu kwesinye kwisithathu sotyelelo lwabo olungxamisekileyo okanye unyango lwesiqhelo lokuqeshwa ngaphandle kwe-epokothweni-apho ama-64% engakwaziyo ukuhlawula amatyala onyango anyukayo, oko kungakhokelela kubunzima ekufumaneni iimfuno ezisisiseko, kunye nokubhengezwa.

Ngapha koko, uphononongo lubonakalisile ukuba abo bangenayo i-inshurensi yezempilo abanakufane bafumane ukhathalelo lokuthintela kunye neenkonzo zonyango kwizifo ezinzulu kunye neemeko zempilo ezingapheliyo. Nokuba uphethe i-inshurensi, izicwangciso zeinshurensi yezempilo zibonelela simahla ukhuseleko yabantwana kunye nabantu abadala (njengokuhlolwa, izitofu kunye nokuhlolwa konyaka) okoko inkonzo ibonelelwa ngugqirha ngaphakathi kwenethiwekhi.

Ezinye iindlela zokonga ngaphandle kweinshurensi yezempilo

Ngelixa isicwangciso seinshurensi yezempilo, i-SingleCare sisicwangciso sesaphulelo sokuyalela esinika ikhadi lesaphulelo simahla ukunciphisa amaxabiso amayeza kagqirha kunye okanye ngaphandle kwe-inshurensi . Ukuba awunayo i-inshurensi okanye uhlawula ixabiso lemali ngamayeza akho, unokubona ukuya kuthi ga kwi-80% yokonga kunye nekhadi lethu. Sisebenzisene nee-pharmacy ezingaphezulu kwama-35,000 kwilizwe liphela (kubandakanya i-CVS, Target, Walgreens kunye neWalmart), ke ngoku qala ngokukhangela amayeza akho namhlanje kwi-singlecare.com.