Varwere Vanogona Kuve Nedzimwe Nzira dzekuwana Inishuwarenzi yehutano kupfuura yavanofunga
Iwe unogona sei kuve nechokwadi kuti kurapwa kwandinoda kunogadzirwa nehutano inshuwarhu ? Ziva inshuwarisi yako, inzwisisa zvaunogona kuita uye taura nechiremba wako.
"Vanhu vanofunga kuti kana chiremba akarayira izvi, zvichazofukidzirwa," anodaro JP Wieske weChristian for Affordable Insurance, inyanzvi yehushuwaridzi inokurudzira boka.
Vanachiremba vanoona mararamiro enyu kuburikidza nehutano hwehutano, zvisinei, kwete kubva pane maonero einishuwarenzi.
Sezvo vachiona varwere vane vane mavara akasiyana-siyana einishuwarenzi, ivo kazhinji havazivi sekugoverwa kunopiwa nekambani imwe chete kana chirongwa sezvo varwere vari - kana vachifanira kuva.
Inishuwarenzi mitemo inotarisana nehuwandu hwehuwandu hwevanhu, saka zvinhu zvakafukidzwa zvakavakirwa pamashandisirwo ezvokurapa zvinowanikwa kune vanowirirana varwere. Varwere, kunyange zvakadaro, vane nzira dzakawanda - uye kubudirira kwakawanda - mukukurukurirana nezvekuchengetwa kwehutano uye zvinowanikwa kune vakawanda vanoona.
Iko Inogadziriswa Kuchengetedza Mutemo Mutsva paKutika
Iko Inogadziriswa Care Act, yakagadzirirwa muna 2010 (asi inowanzoshandiswa muna 2014) yakaita shanduko yakajeka kumitemo ine chokuita nehutano hwehutano inshuwarheni, kunyanya mumakambani emunhu mumwe nomumwe uye maduku.
Pasi pemitemo mitsva, zvirongwa zvehutano hazvikwanisi kusarura mamiriro ezvinhu akambovapo kana kuti kushandiswa kusati kwavepo maitiro ekumirira nguva (chinyorwa kuti mutemo uyu hauna kushandiswa kumagadziro evanhu vakuru kana vazukuru vazvo - marudzi aunotenga iwe pachako, kunze kwekuwana kubva mushandirwi - asi hakuna munhu akakwanisa kuinyora mubhuku raive nemakore akawanda kubva mumusika kubva munaMuguru 2010, kana mumutambo mukuru wemisika kubva pakupera kwegore ra2013).
Saka kana uri kunyoresa muurongwa hwemushandirwi wako kana kutenga chirongwa chitsva mumusika mumwe nomumwe, iwe hauchafaniri kunetseka kuti iwe uchava nenguva yekumirira kana kubviswa pamamiriro ako akafanovapo.
Mukuwedzera, zvirongwa zvose zvisingabatsiri zvinofanira kuvhara zvakakwana ( asi zvakananga ) urongwa hwekuchengetedza kwekuchengetedza pasina kugovana- kutora mari (kureva, haufaniri kubhadhara chimwe chinhu kunze kwepayamu yako), uye vose vasina-grandfathered, gurukota revanhu uye mapoka maduku maduku anofanirawo kuvhara kubatsira kweAAC inokosha yehutano pasina dhigirii yemari pamusangano.
Zvose zvirongwa - kusanganisira zvirongwa zvakakura - zvakarambidzwa kushandisa upenyu hwemazuva ekubhadhara maximums pane zvinodiwa zvehutano hunokosha. Mapoka makuru emapoka haafaniri kuvhara zvinokosha zvehutano, uyewo haasi ivo vakaberekerwa kana vazukuru uye mapoka maduku maduku. Asi kusvika pamwero wavanoona hutano hwakakosha, havagoni kubvisa kugoverwa kwako pane imwe nhanho semugumisiro wehupenyu hunobatsira zvishoma (zvirongwa zvakawanda zvinogona kunge zvichigadziriswa gore negore zvakabatsirika pane zvinokosha zvehutano).
Zvose izvi zvakagadzirirwa kubatsira kuti vanhu vawane zvishomanana zvinopesana nezvakaitwa munguva yakapfuura. Asi hapana hurumende inobata zvose. Vatsigiri voramba vachiramba zvikumbiro zvinotenderwa kare uye zvinodhaka zvichitorerwa. Pakupedzisira, onus iri pane mumwe nomumwe wedu kuti ave nechokwadi chokuti tinonzwisisa zvinotarisirwa nehutungamiri hwedu, izvo zvisingabvi, uye kuti tingapfuure sei kana inshuwarisi isingavigiri chinhu.
Zvinofanira Kuita Apo Apo Nzira kana Muedzo Usati Wakaiswa
Bvunza nezvemamwe maitiro: Kuedza kwakafanana kana kurapwa kunowanikwa neinishuwarenzi yako kungobatsira chete seyo isiri iyo here?
Taura nehofisi yako yechiremba: Kana iwe uchizobhadhara muhomwe nokuti nzira yacho haina kuvharwa nemubhizimisi wako, taura nehofisi yako yezvechiremba kuti uone kana iwe unogona kuwana zvishoma.
Iwe unowanzova nani pakutaura nehofisi yehofisi kana mushandi wehupfambamwe kunze kwechiremba wezvokurapa. Kubudirira kunowanzowedzera kana ukataura nemumwe munhu uripo, kwete pane foni, uye usatora mhinduro yepakutanga, maererano neNational Endowment for Financial Education.
Kumhanyira kumudzidzisi weinishuwarenzi : Kumbira chiremba wako nezvemitemo yezvokurapa yeanorayirirwa maitiro, uye tsvaga chirongwa chako chekambani yehushuwarisi. Kana hurongwa hwako hwehutano husina hukuru hwakaberekwa (kureva kuti, hwakatanga kushanda mushure meKubvumbi 23, 2010), ine Affordable Care Act inoda kuti iite zvinoenderana nemitemo mitsva yemugadziriro rwemukati nekunze.
Tsvaga kuongororwa kwemakiriniki: Kana iwe uri mukana wekuongororwa kwechiremba, vatsigiri varo vanogona kuvhara mari yekuongorora dzakawanda, maitiro, mirairo uye chiremba vanoshanyira. Iko inshuwarisi yekambani inogona kuramba kuparidzirwa kwechirongwa chekuchipatara pachako, asi haikwanisi kusarura pamusoro pako nekuda kwekuita muchirongwa chekliniki, uye inofanira kuramba ichifukidza in-network routine kutarisira (kureva, kusatarisira kwedzidzo) apo uri kutora chikamu mumakiriniki muedzo. Izvo zvinodiwa ndezvikamu zveNotengeswa Care Act. Kusati gore ra2014, apo ACA yakashandura mitemo, vatsigiri vezvematongerwo enyika munyika dzakawanda vanogona kuramba zvinhu zvose apo murwere aibatanidzwa muchipatara chekuedza. Izvo hazvisisiri kubvumidzwa, nekuda kweAACA.
Tora pfungwa yechipiri: Mumwe chiremba angaratidza dzimwe nzira dzokurapa, kana kuti iye anogona kusimbisa mazano ewachiremba wenyu mukuru. Vazhinji vashandi veinishuwarenzi vanobhadhara mafungiro echipiri asi chengetedza iwe kuti uone kana chero nzira inokosha inofanira kuteverwa. Chiremba wako, shamwari dzakavimbika kana hama dzako, zvikoro zvekuyunivhesiti uye zvipatara zvinogona kukupa mazita evarapi vezvehutano.
Kana zvimwe zvose zvisingakwanisi, ratidza chirongwa chekubhadhara: Kana kurapwa kwakakosha uye kusati kwavharwa nehushuwarisi, bvunza hofisi yako chiremba kushanda newe kuti ubhadhara chikwereti kwenguva yakati.
> Sources:
> Centers for Medicare neMedicaid Services. Nzvimbo yeVatengi Ruzivo uye Inishuwarenzi Kutarisa. Affordable Care Act Kushanda FAQs-Set 15.
> Dhipatimendi Rezvoutano uye Human Services. Kudzokorora Utano Hurongwa Zvisarudzo.
> HealthCare.gov. Utano Inishuwarenzi Kodzero uye Kudzivirirwa. Vakabereka Health Plans.
> National Conference of State Legislatures. Mandated Health Insurance Inobatsira uye Mitemo yehurumende. Yakavandudzwa December 2015.