Nhau huru dzinogona kunge dzisingabatanidzi vakawanda vanyoresa
MunaNovember 2015, sekunyorwa kwekuvhura kwegore ra2012 kwakapera, UnitedHealthcare yakaratidza kuti yakanga iine hukuru-kupfuura-yaitarisirwa kurasikirwa mukutengeserana kwaObamacare uye yakanyevera kuti vangarega kuramba vachipa kugoverana mukugoverana mushure mekupera kwa2016. MunaMuvhuro 2016, vakatsigira kuti vaizobuda mukana wekugoverana pamagumo egore.
Migumisiro Yokubatana kweUnited
Muna 2014, UnitedHealthcare yakarongedza zvirongwa zvekugoverana mumatunhu mashanu. Izvozvo zvakakura kusvika 23 dzinotaura muna 2015, uye 34 dzinotaura muna 2016. Muhuzhinji hwehurumende idzodzo, UnitedHealthcare haingatauri zvirongwa mukushandurana muna 2017, kunyange vakatsigira kuti vacharamba vachiita "mune zvishoma" zvekutsinhana, kusanganisira Nevada neNew York.
UnitedHealthcare ndiyo inonyanya kuisa inshurenzi, uye ichi ichi chakadzokororwa mune zvakawanda zvehurukuro dzinotaurira kuti mutengesi wacho aende kubva kune dzakawanda dzekutengeserana. Asi izvozvo hazvitauri nyaya yose.
Ichokwadi kuti ivo ndivo vaishambadziri vese, asi chinonyanya kukosha ndeye Medicare market ( Medicare Advantage uye Medigap kubhadhara kugoverwa ) uye mubhadharo unobhadharwa bhizinishuwarenzi , pasinei nehutano hwehutano inshuwarheni misika (iyo yakawanda yevanhu vane vanyoresa kuburikidza nekukwikwidzana vari pamagadziro emagetsi ega).
UnitedHealthcare inogona kunge iine guru guru rekuchengetedza hurumende munyika, asi inoponesa vanhu vanomwe 795 000 mukutengeserana - anenge 6 muzana yevanhu vakanyoresa zvirongwa kuburikidza nekugoverana munyika yose. Uye United inotarisira kugoverana kwavo nhengo kuburitsa kusvika kuma 650,000 pakupera kwe 2016.
Saka huwandu hwevanhu vakanyoresa muzvirongwa kuburikidza nekukwikwidzana hakuzonyatsopindirwi nekusununguka kweUnited pakupera kwe 2016.
Premiums uye Consumer Choice
Nokuti UnitedHealthcare haina kuva mutambi ane utsinye mumakwikwi, zvirongwa zvavo hazvirevi kuva pakati pemakwikwi akawanda-akatengwa. Kaiser Family Family Foundation yakarongedza hurongwa hweUnited plan maererano nedzimwe zvirongwa muna 2016, uye dzakaona kuti United inopa mapurisa emadhora ezasi-pasi kana echipiri-pasi-pasi (zvakasarudzwa zvikuru) mu 35% chete yematare apo anotakura anopa zvirongwa zvekushandura.
Mukushamwaridzana, vatengi vanowanzova nemutengo, uye vatakuri vanowanzowana mari yakawanda yemusika apo zvirongwa zvavo zvinotengeswa zvakaderera kune vakwikwidzana. Sangano reUnited mumisika zhinji haisi pakati pevatakuri vemidziyo yakaderera, uye izvi zvinoratidza mugove wavo wekutsinhanisa misika, iyo inenge yakaderera mumatunhu akawanda.
Mhedzisiro yeizvi zvose ndeyekuti Kaiser Family Foundation yakarongeka kuti iyo yakawanda inorema muvhareji wezvigadziriswe chirongwa (yechipiri-pasi-yakadhura mari yegoridhe chirongwa) yaizove yakangoita imwechete yepamusoro muna 2016 kana United yakanga isina kubatanidzwa mukukwikwidzana gore rino .
Asi iyo inowanikwa pasi rose. Kune dzimwe nyika apo zvinokonzerwa nekodzero yepachipiri ingadai yakave yakakosha zvikuru kana United yakanga isina kupa zvirongwa muna 2016 (yakakurumidza kutaurira kuti izvi zvichazoita sei muna 2017, sezvo mitengo isingabvumirwi muna 2017 zvakadaro) . Pano pane nhatu dzinotaura apo mapeamamiro emitambo yaizove akadarika $ 25 / mwedzi yakakwirira mune makumi mana kubva muzana ematare ehurumende kana United yakanga isina kubatanidzwa mukukwikwidzana muna 2016: Alabama, Iowa, Nebraska, uye North Carolina.
Uye kusarudzwa kwevatengi zvakare chinhu chinokosha chekutsinhana. Maererano neKaiser Family Foundation kuongororwa, kune mazana 1,121 muUnited States apo pane iye zvino chete kana vaviri vapeji vanopa zvirongwa mukutengeserana.
Kana Ungano ichinge ichibva kune dzose dzekutsinhanisa (izvo zvisingaoneki zvichida, sezvinonzi dzimwe nyika dzakasimbisa kuti United inosara mukushamwaridzana kwavo), kuongorora kweKaiser Family Foundation kwakawana kuti mamwe mazana 532 akazongodonha muchikwata chekuva chete kana vaviri vanobvumirana nekutengesa vatengesi (uye kuwedzera, 536 dzematare ayo iye zvino vane vatakuri vaviri vangadonha kusvika kune imwe chete). Chigumisiro chaizova chokuti 53 muzana yematunhu muUnited States angangova nemumwe chete kana vaviri vatori vezvematongerwo enyika vanotora chikamu mukutengesa.
Nokudaro pasinei nekuti UnitedHealthcare haisi pakati pezvakaderera-zvigadziriswa zvezvinhu zvakanyanya munzvimbo dzakawanda dzavari kushanda iye zvino, dzinounza kuwedzera kusarudzwa kwesarudzo kune vanhu vari kutengesa mukutengeserana, uye izvozvo hazvina mubvunzo zvideredzwa muna 2017.
Panguva imwecheteyo, zvakakosha kuchengeta mupfungwa kuti vamwe vatakuri havangatyi kupinda mumisika yekushandura mune dzimwe nyika umo United inopera. Somuenzaniso, muVirginia, UnitedHealthcare vacharamba vachipa zvirongwa muna 2017, asi kwete munzvimbo dzakawanda sezvavanopa zvirongwa muna 2016 (kureva, ivo vari kungobuda kune dzimwe nzvimbo dzekushandura kwenyika). Asi Cigna arikubatanidza kuVirginia kuchinjana kwekutanga muna 2017.
Kune dzimwe nyika mbiri - Oklahoma neKansas - umo UnitedHealthcare ikozvino imwe yevatakuri vaviri vanopa zvirongwa mukushandura (technically, Kansas ine vatakuri vakawanda, asi kunze kweUnitedHealthcare, vose vari Blue Cross Blue Shield vanobatana). Kubatana kuri kubuda zvose zvezvematongerwo enyika iyo pakupera kwe 2016. Kunze kwekuti imwe inshurensi inobatana, Oklahoma neKansas zvingasara nemumwe weupuri wehomwe muna 2017 (Wyoming iri mumamiriro ezvinhu muna 2016, uye West Virginia yaiva nekutengesa imwe chete 2014 uye 2015).
Nei Tichibatana Kubhadhara?
Chisarudzo cheUnited States kubva kunze kwekutsinhana kunobva mukurasikirwa kwemari kwavakaita-uye vanotarisira kuisa-mune zvekugoverana. Pakati pekutsinhanisa kwavo kurasikirwa muna 2015 uye izvo zvavanotarisira kurasikirwa mukutengeserana muna 2016, kurasikirwa kwavo zvachose kune chikamu chedu chemusika kuchasvika $ 1 biliyoni.
Kuti ive pachena, UnitedHealthcare ichiri kambani inobatsira. Asi vakatsunga kuti havagoni kurega zvikamu zvavo zvemakakiti zvinobatsira kutsigira mari yavo yemakashandisirwo asingabatsiri kwenguva refu. Vanhu vakanyoresa kuUnited exchange plans vakarwara kupfuura vanyoresa mune mamwe mazvikwata emisika, zvichiita kuti vawedzere mari yea insurer (dambudziko iri harisi reUnited chete; vakawanda vatakuri vakawana kuti shanduro dzavo dzekushandura dziri kushandisa hutano hwehutano kupfuura inotarisirwa).
Mukupera kwegore ra2015, UnitedHealthcare yakaratidza kuti havazobhadhara matareji emakambani ezvirongwa zvinotengeswa mumusika mumwe nomumwe mushure mekupera kwegore ra2015. Ichi chaiva chido chekuderedza kuverengwa kwe 2016, sezvo vainge vaona kare kuti chikamu chekutsinhanisa misika yavo yakanga isina kuumba kuti zvive zvinobatsira.
Chii Chandinofanira Kuita?
Kana iwe wakanyoresa muurongwa hwekutsinhanisa kuburikidza neUnitedHealthcare muna 2016, uchakwanisa kuichengeta kuburikidza nekuguma kwegore chero bedzi uchiripira kubhadhara mihora yako. Iwe uchagamuchira chiziviso kubva kuUnited States uye kugoverana mushure megore uchikupa ruzivo pamatanho aunoda kutora panguva yekunyorwa kwakasununguka ( chinhu chakafanana chakaitika kuvanhu vazhinji pazvirongwa zve CO-OP pakupera kwa2015 ).
Iwe unogona kukwanisa kushandura shanduro yako ye-UnitedHealthcare chirongwa, asi zvakakosha kuziva kuti rubatsiro rwemari yepamusoro uye mari yekugoverana kwemari haisi kuwanikwa pane zvingave zvisingabatsiri zvirongwa. Izhinji huzhinji hwevanhu vanyoresa muzvirongwa kuburikidza nekukwikwidzana vari kugamuchira rubatsiro rwekutanga.
Paunenge uchinyoresa, iwe uchava nemukana wekutsvaga purogiramu yechitsinhanisi kubva kune mumwe mutakuri wekutakura kuti uende panzvimbo yako yeUnitedHealthcare plan. Kuti urongwa huve hwakanaka sezvinobvira, nzira yakanakisisa yekuita ichave yekunyora muchirongwa chitsva musi waDecember 15, kuitira kuti uve nechokwadi chekushandura kwakasununguka uye musi waJanuary 1 unobudirira weurongwa hwako hutsva (Massachusetts, Rhode Island, uye Washington state inobvumira kunyorwa kunopedzisira kwapera kusvika musi waDec. 23 neJanu. 1 mazuva anobudirira, uye United iri kubuda kugoverana mune zvose zvitatu zvemashoko aya).
Iwe unogona kukodzera nguva yekunyora yakakonzerwa nekurasikirwa kweimwe huwandu, uye saka unokodzero yekunyora sekupedzisira kusvika Dec. 31 yeJan. 1 musi chaiwo. Asi izvi zvakanyanya kuoma , uye nzira yacho ichava nyore kana ukasarudza hurongwa hwako hutsva musi waDec. 15.