Nguwuphi umcimbi ofanelekileyo wobomi kwiinshurensi yezempilo?

Inkampani

Ukuba usandula ukutshata okanye unomntwana, usenokuba uyazibuza ukuba wenzeni ngokutshintsha isicwangciso seinshurensi yezempilo. Utshintsho oluphawuleka ngolu hlobo lunokuchaphazela ukufaneleka kwakho kwi-inshurensi yezempilo. Makhe sijonge kwiziganeko zobomi ezifanelekileyo kwizicwangciso zoNonophelo loNonophelo olungafikelelekiyo (ACA) kunye nendlela ezinempembelelo ngayo xa ukwazi ukufaka isicelo seinshurensi yezempilo.

Nguwuphi umcimbi ofanelekileyo wobomi kwiinshurensi yezempilo?

Iziganeko zobomi ezifanelekileyo (ii-QLEs) lutshintsho kwiimeko zakho ezikuvumela ukuba ubhalise kwi-inshurensi yezempilo ngaphandle kwexesha lokubhalisa elivulekileyo lonyaka. I-ACA ichaza imicimbi efanelekileyo njengotshintsho olubalulekileyo kubomi olunika umntu isidingo sangoku seinshurensi yezempilo, ebavumela ukuba babhalise okanye benze olunye utshintsho kwi-inshurensi yabo kwiPhulo lokuBhalisa eliKhethekileyo. Nazi ezinye zeziganeko zobomi ezifanelekileyo ezifanelekileyo ezinika umntu amandla okukhetha isicwangciso seinshurensi entsha yezempilo okanye enze olunye utshintsho kwisicwangciso sabo ngaphandle ixesha lokubhalisa elivulekileyo s .

Phawula: Unyango kunye nokugubungela umqeshi kunemithetho eyahlukileyo, imicimbi yobomi efanelekileyo, amaxesha abo obhaliso avulekileyo. Ezi zilandelayo zifanelekile iziganeko zobomi kwizicwangciso ze-ACA.

Utshintsho kumakhaya

Utshintsho olubonakalayo kwikhaya lakho lunokufanelekela ukufumana Ixesha elithile loBhaliso apho uvunyelwe ukubhalisela ukhathalelo lwempilo ngaphandle kwexesha eliqhelekileyo lokubhalisa. Ukuba wena okanye umntu othile ekhayeni lakho utshatile, ubenomntwana, wamkela umntwana, okanye ubeke umntwana ukuba akhathalele abantwana kwiintsuku ezingama-60 ezidlulileyo, uyakufanelekela ukubhaliswa ngokuvulekileyo.

Ukuba uye waqhawula umtshato okanye wahlukana ngokusemthethweni kwiintsuku ezingama-60 ezidlulileyo kwaye waphulukana neinshurensi yezempilo, uya kufaneleka kwiXesha elithile loBhaliso. Kuyafana ukuba wena okanye nabani na kwikhaya lakho ulahlekelwe yi-inshurensi yezempilo kwiintsuku ezingama-60 ezidlulileyo, okanye ulindele ukuba ulahlekelwe yinshurensi yezempilo kwiintsuku ezingama-60 ezizayo. Kwimeko engemnandanga ukuba kusweleke umntu okwisicwangciso sakho sokhathalelo lwempilo kwaye ukufaneleka kwakho kweso sicwangciso kuyatshintsha, uyakufanelekela ixesha lokubhaliswa elikhethekileyo elikuvumela ukuba ufumane ukhathalelo olutsha lwezempilo.

Utshintsho kwindawo yokuhlala kwakhona

Utshintsho kwindawo yokuhlala zihlala zivumela abantu ukuba balungele ixesha lokubhaliswa okukhethekileyo. Ukuba uhamba ungena kwikhowudi entsha ye-zip okanye kwisithili; e-U.S evela kwilizwe langaphandle; abafundi bafudukela okanye bashiye isikolo; abasebenzi bamaxesha athile befuduka besiya okanye beshiya umsebenzi; okanye uye okanye usuka kwindawo yokuhlala okanye indlu yotshintsho, uya kufaneleka ukuba ufumane ixesha elithile loBhaliso. Ukufudukela kwenye indawo kunyango okanye iholide akufanelekanga.

Kuya kufuneka ubenayo i-inshurensi yezempilo efanelekileyo ubuncinci usuku olunye kwiintsuku ezingama-60 ngaphambi kokuba ufike ukuze ulungele ixesha lokubhaliswa. Nangona kunjalo, awudingi ukubonelela ngesiqinisekiso ukuba uhamba kwilizwe langaphandle okanye umhlaba wase-U.S.

Ukuphulukana neinshurensi yezempilo

Ukuba wena okanye umntu othile kwikhaya lakho ulahlekelwa okanye ulindele ukuphulukana nokukhuselwa kwezempilo kwiintsuku ezingama-60 ezizayo, unokufumana ithuba lokuBhalisa ngokuKhethekileyo. Umgaqo-nkqubo weinshurensi yezempilo osele uza kuphulukana nawo kufuneka ujonge enye okanye ezingaphezulu kwezi bhokisi zilandelayo ukuze ufaneleke kwiXesha elithile loBhaliso:

• Awusafaneleki ukuba uxhomekeke phantsi komzali wakho okanye isicwangciso seinshurensi yezempilo.
• Wena okanye ilungu losapho, iqabane, okanye umzali uyekile, wayeka emsebenzini, okanye wagxothwa emsebenzini, ekhokelela ekulahlekelweni kwezempilo ngumqeshi wakho okanye umqeshi welungu losapho, iqabane okanye umzali. Ukuba wena okanye iqabane lakho liqala umsebenzi omtsha, kuya kufuneka nifumane iXesha elithile loBhaliso.
• Ulahlekelwa yi-Medicaid okanye iNkqubo ye-Inshurensi yezeMpilo yabantwana (CHIP) ngenxa yento efana notshintsho kwingeniso yakho yasekhaya.
• Awusafanelekanga kwisicwangciso sezempilo somfundi.
• Isicwangciso sakho sangoku siyapheliswa.

Qaphela: Ukuphulukana ngokuzithandela kokugubungela hayi ithathwa njengomcimbi wobomi ofanelekileyo.

Okunye iimeko ezizodwa

Unokulifumana ixesha elithile lokuBhalisa ukuba:

• Ukuqala okanye ukugqiba inkonzo njengelungu leAmeriCorps
• Ukuba ngummi waseU.S
• Ukushiya eluvalelweni
• Ukuba lilungu lendabuko laseAlaska okanye ilungu lesizwe esaziwayo

Ukuba wena okanye abantu abaxhomekeke kuwe bangamaxhoba okuphathwa gadalala ekhaya okanye ukushiywa ngumlingane, unokufumana ithuba lokuBhalisa. Ubundlobongela basekhaya Inombolo yomnxeba oshushu yi-1-800-799-7233. Banokubonelela ngezixhobo zokukunceda kwaye banokubonelela ngengcebiso ngendlela yokufumana i-inshurensi entsha yezempilo. Ungabhekisa kwi-healthcare.gov okanye kwindawo yakho yentengiso, okanye ucinge ngokufaka isicelo kwi-Medicaid.

Ngokubhekisele kwi-COVID-19 echaphazelekayo, ayisosiganeko sobomi esifanelekileyo ngokwaso. Amazwe alishumi elinanye, kubandakanya neDC, bane kuvulwe amaXesha oBhaliso aKhethekileyo , kodwa amanye amazwe angama-38 akakhange. Ukuba uhlala kwelinye lala mazwe angama-38, kuya kufuneka ujonge ukuba unomdla wokuphila olungeleyo, utshilo uSusan Lyon, uMphathi weMidiya kunye nokuBambisana kwi-Health Sherpa.

Jonga uluhlu olupheleleyo lweziganeko zobomi ezifanelekileyo olu luhlu lwe-SEP .

Ingaba yin hayi ufaneleke?

Ngamanye amaxesha kuba nzima ukumisela ukuba yeyiphi iminyhadala yobomi eya kukufanelekela ixesha elithile lokuBhalisa. Wena suku ufaneleke ukufumana ixesha lokubhaliswa ngokukodwa ukuba:

• Ihanjiswe ndaweni ithile ngokukodwaunyango.
• Bahlala kwenye indawo iholide eyandisiweyo.
• Ukuphulukana nenkxaso yezempilo ngenxa yokuba ungahlawulanga ipremiyamu yakho.
• Ngaba baxhomekeke kwisicwangciso sokhathalelo lwempilo lomzali okanye somgcini kwaye uyeke ngokuzithandela ukulahla ingxelo. Kuya kufuneka uphele kwiminyaka engama-26 ubudala ukuze ufaneleke kwiXesha elithile loBhaliso. Ngaphandle koko, kuya kufuneka ulinde de kube lixesha lokubhalisa elivulekileyo.
• Uya kuhlala ukulungele ukhathalelo lwakho lwangoku kunye nezibonelelo, nokuba uqhawule umtshato okanye ulahlekelwe lilungu losapho.

Ixesha elide loBhaliso oluKhethekileyo?

Uya kuba neentsuku ezingama-60 ulandela isiganeko sakho sobomi esifanelekileyo ukuze ubhalise kwisicwangciso sokhathalelo lwempilo. Ukuba awubhalisi ngeli xesha libekiweyo, kuya kufuneka ulinde de kufike ixesha lokubhalisa elivulekileyo elilandelayo.

Ubhaliso oluvulekileyo lwe-ACA lixesha leentsuku ezingama-45 apho unokutshintsha khona i-inshurensi yezempilo okanye ubhalisele isicwangciso esitsha. Ngaphandle kwezinto ezininzi, ezahluka ngurhulumente, ukubhaliswa okuvulekileyo kuhlala ku-Novemba 1 kude kube phakathi kuDisemba ngonyaka ngamnye.

Ke ukuba unomcimbi wobomi ofanelekileyo ngo-Matshi, umzekelo, kwaye ungasebenzisi iXesha lakho eliKhethekileyo lokuBhalisa ukufumana i-inshurensi yezempilo, kuya kufuneka ulinde de kube nguNovemba ukuze ubhalise kwi-inshurensi, engayi kuqalisa ukukugubungela. kude kube ngu-1 Januwari. Ukugcina umkhondo xa isiganeko esifanelekileyo sisenzeka kuqinisekisa ukuba unempilo eyaneleyo ngalo lonke ixesha.

Amanyathelo alandelayo

Emva kwesiganeko sobomi esifanelekileyo kunye nexesha loBhaliso oluKhethekileyo, inyathelo elilandelayo kukukhetha isicwangciso esisebenza kakuhle kuwe. Unokufuna amaxwebhu athile ukukunceda kwinkqubo yesicelo, enje:

• Iphepha-mvume lomtshato
• Uqhawulo mtshato, ukurhoxiswa, okanye amaphepha okwahlukana ngokwasemthethweni
• Isatifikethi sokuzalwa, amaphepha okuthathwa komntwana ongamzalanga abe ngowakho, okanye ubungqina bamaphepha okugcina abantwana ngokusemthethweni
• Ubungqina be-inshurensi yezempilo efanelekileyo
• Utshintsho lwesiqinisekiso sedilesi

Olu luhlu lwamaxwebhu alunabunzulu. Amaxwebhu oza kuwadinga ukubhalisela i-inshurensi yezempilo ngeXesha eliKhethekileyo loBhaliso kuxhomekeke kwiimeko zakho ezizodwa. Inkqubo yesicelo iya kukuxelela into ekufuneka uyenzile.

Ezinye iinkqubo zesicelo ndikunike iintsuku ezingama-30 emva kokufaka isicelo sokuthumela kuwo nawaphi na amaxwebhu afunekayo aya kungqina ukufaneleka kwakho kwiXesha elithile loBhaliso. Inkcazo entsha iqala mhla ufaka isicelo sesicwangciso. Nangona kunjalo, ngekhe ukwazi ukusebenzisa izibonelelo zempilo de ube uvumelekile ukufaneleka kwakho kwaye uyihlawule ipremiyamu yakho. Usengagcina iirisithi zeendleko zokuphuma epokothweni ukufaka isicelo sokubuyiselwa imali emva kokuba ingxelo yakho isebenza.

Kuthekani ukuba andikufanelangaIxesha elithile loBhaliso? Zeziphi iindlela zam?

Ukuba awulilungelanga ixesha lokuBhalisa eliKhethekileyo kwaye kufuneka ulinde ukubhaliswa okuvulekileyo okukude kakhulu, unokufumana i-inshurensi yezempilo yexesha elifutshane . Izicwangciso zeinshurensi yezempilo yexesha elifutshane zibonelela ngogqithiso lweentsuku ezingama-364 ubuninzi. Oku kuluncedo ngakumbi kubantu abafuna ukugqunywa ngexesha lezikhewu kwingqesho.

Unokufaka isicelo seMedicaid okanye iSicwangciso se-Inshurensi yezeMpilo yabantwana (CHIP). Unokufaka isicelo kuyo nayiphi na ezi nkqubo nangaliphi ixesha. I-COBRA ikwanokwenzeka. Kukho iindlela ezininzi zokufumana ukhathalelo lwempilo xa ulifuna kakhulu.