Lithini ixesha lokubhalisa elivulekileyo?

Inkampani yezeMpilo ichaziwe

Ukuhlolwa konyaka kubalulekile ekugcineni impilo kunye nokuba sempilweni, kodwa ayisiyiyo eyomzimba wakho kuphela. Ukuphinda ujonge isicwangciso sakho seinshurensi yezempilo rhoqo ngonyaka-ngakumbi kulandela ukuxilongwa okutsha okanye iziganeko zobomi ezinkulu- zinokuhamba indlela ende ekuphuculeni ukhuseleko lwakho. Unyaka ngamnye, amaMelika afumana ithuba lokwenza kanye ngeli xesha lokubhaliswa okuvulekileyo kwindawo yentengiso kunye / okanye nomqeshi wabo.

Lithini ixesha lokubhalisa elivulekileyo?

Ixesha lokubhalisa elivulekileyo lonyaka lixesha lonyaka apho abantu baseMelika banokwenza utshintsho kwi-inshurensi yabo yempilo (njengeplani yezempilo abayifumanayo ngomqeshi wabo) okanye bathenge i-inshurensi entsha ngeNdawo yeNtengiso ye-Inshurensi yezeMpilo (ekwabizwa ngokuba yi-Obamacare) . (Abantu abaneMedicare okanye iMedicaid baya kuba nemigqaliselo eyahlukeneyo kunye namaxesha obhaliso.)

Ubhaliso oluvulekileyo ikwalixesha elifanelekileyo lokuba abaxhamli bongeze iqabane okanye abantu abaxhomekeke kuwe, okanye kungenjalo batshintshe ukwakhiwa kwendlu yabo, kwisicwangciso sabo ukuba abakwenzanga njalo.

Nokuba uceba ukuhlaziya isicwangciso sakho sangoku, licebo elihle ukujonga ushicilelo olungileyo lonyaka ozayo-yintoni kwaye ayifakwanga (njengamayeza amayeza kunye neepopay) utshintsho unyaka nonyaka, ke uya kufuna ukwenza Qiniseka ukuba unokhuseleko oluchanekileyo wena kunye nosapho lwakho.

Ukuba uliphosa ixesha lokubhalisa elivulekileyo kwindawo yentengiso yomdibaniso, usenokukwazi ukukhetha ingxelo entsha okanye wenze utshintsho kwisicwangciso sakho ngexesha lokubhalisa. Nangona kunjalo, kuya kufuneka ube nenye yezi zinto zilandelayo iziganeko zobomi ezifanelekileyo ukuba zithathe inxaxheba kubhaliso olulodwa :

• Utshintsho kwikhaya lakho: Ukuba uyatshata, uqhawule umtshato (kunye nelahleko yokugubungela), okanye unosana okanye ulwamkele, ungakulungela ukubhaliswa ngokukodwa. Unokufaneleka ukuba umntu othile kwikhaya lakho uyafa kwaye ulahlekelwe kukugubungela ngenxa yako. Kufuneka ufake isicelo sokugubungela kwisithuba seentsuku ezingama-60 emva kwezi ziganeko.
• Utshintsho kwindawo ohlala kuyo: Ukuba ufudukela kwikhowudi entsha ye-zip okanye kwisithili, okanye usiya e-US usuka kwelinye ilizwe, unokulungela ukubhaliswa ngokukodwa. Kukwanjalo nakwabafundi abafudukela okanye besuka apho babesiya khona esikolweni. Umqolomba omnye: Ngaphandle kokuba ufudukele kwelinye ilizwe, kuyakufuneka ubonakalise ukuba une-inshurensi yezempilo okungenani usuku olunye kwiintsuku ezingama-60 ngaphambi kokuba ufudukele kwelinye ilizwe ukuze ufaneleke.
• Ukuphulukana neinshurensi yakho yezempilo: Ukuba ulahlekelwa yinshurensi yakho yezempilo ngenxa yokulahleka kwemisebenzi, ilungu losapho lilahlekelwa ngumshuwalense, okanye ngenxa yokuba ungafaneleki kwiinkonzo zeMedare okanye zeMedicaid ozifumanayo, unokufumana isiQinisekiso seXesha eliKhethekileyo.
• Eminye iminyhadala efanelekileyo: Ukuba usandula ukuba ngummi wase-U.S. Okanye ushiye ukuvalelwa, unokulungela ukubhaliswa ngokukodwa.

Nini ubhaliso oluvulekileyo ngo-2021?

Ngelixa ukubhaliswa okuvulekileyo kuMthetho woKhathalelo olufikelelekayo ohambelana nomthetho kwi-2020 sele kudlulile, ixesha le-2021 liza. Imihla evulekileyo yobhaliso ngo-Novemba 1 ukuya ku-Disemba 15, 2020 kumazwe amaninzi, enika abaxhamli malunga neeveki ezintandathu ukuba bathenge kwaye bathelekise izicwangciso ngaphambi kokuba bazithenge ngenye ye-inshurensi yezempilo (nokuba yeyokhathalelo lwezempilo oluqhutywa nguRhulumente). Indawo yentengiso).

Ukuba ilizwe lakho lisebenza kwindawo yalo yemarike yeinshurensi yezempilo, loo mihla inokwahluka kancinci (umzekelo, iCalifornia, iColorado, kunye neWashington D.C bongeze ngokusisigxina imihla yabo ngoJanuwari). Ukongeza, ngenxa yobhubhane we-COVID-19, amazwe amaninzi andise ixesha labo lokubhalisa elivulekileyo, jonga indawo yentengiso zikarhulumente wakho ukuqiniseka. Ngo-2021, I-16 ithi (kubandakanya iNew York, iMassachusetts, neWashington) baya kuqhuba ngokwabo.

Ukuba ubhalisela ukhuselo ngexesha lokubhalisa okuvulekileyo, i-inshurensi yakho iya kuqala ngoJanuwari 1.

Inkqubo ye- Ixesha lokubhalisa elivulekileyo lonyango yahlukile kwi Ixesha lokubhalisa elivulekileyo le-ACA . Amayeza abhalisiweyo avulekileyo ngo-2021 Ngu-Okthobha u-15 ukuya ku-Disemba 7, 2020, ngezicwangciso eziza kuqala ukusebenza nge-1 kaJanuwari. I-Medicare ikwabonelela ngenani lamaxesha athile obhaliso olwahlukileyo ngeenjongo ezahlukeneyo. Ungandwendwela amayeza.gov ukuze ufunde ngakumbi.

Kwenzeka ntoni xa uphoswa lubhaliso oluvulekileyo?

Ukuba ulahlekelwa lixesha lokubhalisa elivulekileyo lama-2021, ubeka emngciphekweni wokungabinayo i-inshurensi yezempilo unyaka wonke (ngaphandle kokuba ulilungele ixesha elithile lobhaliso). Oku kuthetha ukuba kuya kufuneka uhlawule iindleko zonyango, ezinje ngokundwendwela ogqirha, amayeza kagqirha, kunye neenkonzo zongxamiseko, epokothweni.

Ngelixa i-ACA yayihlala ifuna ukuba abo bangenayo impilo (kwaye bengaxolelwanga) ukuba bahlawule isohlwayo (kungenjalo saziwa njengeNtlawulo yoXanduva ekwabelwana ngayo) kwimbuyekezo yabo yerhafu yomanyano, umThetho weRhafu kunye neMisebenzi bayisusile loo ntlawulo Irhafu yonyaka ka-2019 nangaphaya. Nangona kunjalo, kukho iindawo ezimbalwa ezisahlawulisa isohlwayo semali, ke uya kufuna ukukhangela umthetho welizwe lakho.

Zikho nezinye iindlela zokugubungela kufanelekile ukuba uphande ukuba uphose ixesha lokubhalisa elivulekileyo. Okokuqala, khangela ukuba unokongezwa kwisicwangciso seqabane lakho okanye isicwangciso seqabane lakho, okanye ukuba ungaphantsi kweminyaka engama-26, icebo lomzali wakho.

Ukuba awunayo ingeniso encinci, unokufanelekela iMedicaid okanye i-CHIP (iNkqubo ye-Inshurensi yezeMpilo yaBantwana), ethi ifikeleleke ngokugubungela impilo enikezelwa ngurhulumente. Ungafumanisa ukuba uyafaneleka na kwiNdawo yeNtengiso ye-Inshurensi yezeMpilo okanye ngokuqhagamshelana arhente yakho karhulumente Medicaid .

Izicwangciso zexesha elifutshane yenye yokumisa ukugquma. Isicwangciso se-inshurensi yexesha elifutshane sibonelela nge-inshurensi yeentsuku ezingama-364 ubuncinci, esinokuthi sandise ukuya kwiinyanga ezingama-36. Olu khuselo alunabunzulu kangako kunoluhlobo lwesicwangciso onokulufumana kumqeshi okanye kwindawo yeMarike-i-inshurensi yexesha elifutshane ayifuneki ukuhlawulela imigqaliselo okanye iindleko zokubeleka, umzekelo- kodwa inokunceda ukuhlawula amatyala ezonyango ngelixa ulindele ukuvulwa ixesha lobhaliso kunyaka olandelayo.

Enye inketho yokugubungela i-inshurensi yomsantsa (ekwabizwa ngokuba yi-inshurensi yokuxhasa). I-inshurensi yomsantsa yenzelwe ukuba isebenze ngokudibeneyo ne-inshurensi yakho ephambili (ihlala ibizwa ngokuba yi-inshurensi yeinshurensi yakho) ukunceda ukuzalisa imingxunya yokugubungela. Ngokomzekelo, ezinye izicwangciso ze-ACA azibandakanyi amazinyo okanye umbono, ngoko umxhamli unokongeza isicwangciso se-inshurensi esongezelelweyo ukuze bahlambulule amazinyo okanye bathenge iiglasi ezintsha. I-inshurensi yomsantsa ayenzelwanga ukuba ithathe indawo yokugubungela eyona nto iphambili, kodwa inokuba luncedo kwimeko engxamisekileyo.

Ukunceda ukuhlawula iindleko zonyango ngaphandle kwe-inshurensi, kukwakho nekhadi lesaphulelo se-SingleCare. Simahla uku khuphela kwaye usebenzise , ikhadi leSingleCard ayilulo uhlobo lweinshurensi-kodwa yinkqubo yesaphulelo esinciphisa intengo yemali yemithi kwii-pharmacy zase-U.S. Khangela iimeds zakho kwaye ubone ukuba ungasindisa malini namhlanje!