Nekurasikirwa nehutano hwehutano hwehutano? Kufunga nezveCOBRA , asi kwete chokwadi chiri nani, COBRA kana Obamacare ? (Obamacare inongova rimwe zita reAne Affordable Care Act.) Mhinduro yacho inobva pane zvaunofunga, asi hezvino COBRA uye Obamacare inofananidzwa.
Semuhutano Hwehutano Hwokutanga nehutano hwehutano hwakasiyana
Paunosarudza COBRA, iwe uri kubhadhara kuti uenderere mberi kuparidzirwa pasi paicho chaicho chaunoshandira-chinotsigirwa nehutano hwehutano urongwa hwaunenge uine.
Iwe unoziva kuti unoshanda sei uye chii chaunotarisira. Chidzidzo chega chega chekudzidza chinosanganisira kudzidza nekuita kuti yako COBRA premium kubhadhara sei uye sei.
Kana ukasarudza chirongwa chehutano hweBobamacare kubva kunehutano hwehutano hwehutano hwehutano (kana kunze kwekutsinhanisa, apo zvirongwa zviriwo ACA-zvinoenderana), iwe uchange uchinge wakasiya mapurogiramu ako ekare uye uchava nezvikwata zvitsva zvakawanda kubva pane zvaungasarudza. Iwe uchange uchitenga hurongwa mumusika mumwe nomumwe, kusiyana nemushambadzi-waibhadharwa pamusika (unowanzotumidzwa seusina boka maererano neboka). Saka iwe unoda kudzidza kuti unzwisise kuti chirongwa chako chitsva chehutano chinoshanda sei kana chiri rudzi rwakasiyana rwerongwa kupfuura yako yekare. Semuenzaniso, kana chirongwa chako chawakashanda chaive PPO asi chirongwa chako chitsva cheEbamacare ndeche EPO , iwe unoda kunzwisisa kuti yakasiyana sei kuitira kuti ugokwanisa kushandisa hurongwa hwako hutsva zvakanaka.
Kana iwe uchienderera mberi nepurogiramu yako iri pasi peCOBRA, unoziva chiremba wako achava mu-network nokuti hausi kuchinja hurongwa hwako hwehutano.
Kana ukasarudza hurongwa hutsva hweWamacare pane iwe, uchafanira kuva nechokwadi chokuti chiremba wako ari mu-network neurongwa hwako hutsva, kana iwe uchafanira kuchinja madhere. Iwe unoda kutarisa kuti mishonga yako yemishonga inogadziriswa yakafukidzwa pasi peurongwa hwako hutsva hwemishonga yehurumende , kana iwe unogona kunge uchibhadhara ivo kunze kwehomwe.
Izvo zvose ndezvechokwadi kunyange kana chirongwa chako chaunosarudza chinopiwa nekambani ye inshuwarisi iyo yakapa chirongwa chako chebashandi.
Somuenzaniso, mushandi wenyu angave ane chirongwa chinopiwa neBlue Cross Blue Shield inshurensi munharaunda yako, uye iwe ungasarudza kushandura kune imwe chirongwa chinopiwa neBlue Cross Blue Shield. Asi urongwa hwako hutsva hunogona kunge hwakasiyana zvachose neurongwa hwako hwekare. Zvibatsiro, muteresi wenhepfenyuro, urongwa hwemishonga akavharwa, rudzi rwerongwa (HMO, PPO, EPO, etc) -zvose zvinogona kunge zvakasiyana kwazvo pakati pemusika mumwe nomumwe uye mumusika unobhadharwa nevashandi, kunyange paunotarisa iyo imwe kambani yveshuwarisi.
Kubhadhara Premium Premium vs. Kuwana Rubatsiro Kubatsira Kuti Ubhadhe
Kana ukasarudza kuenderera mberi kweCOBRA, iwe uchabhadhara mwero wegore roga roga wekuvhara iwe pachako, pamwe ne 2 muzana yekubhadhara mari (chengetedza mupfungwa dzako kuti premium yakakwana inoreva chikamu chauri kuripa kunze kwechikamu chako chauri kubhadhara, izvo zvingangodaro chikamu chechikamu chepamusoro). Hakuchina rubatsiro rwekubatsira kubhadhara makambani ekuCOBRA , uye anodhura.
Kana iwe ukarega COBRA uye utengese utano hwako hwehutano kubva kunehutano hwehutano inshuwarani panzvimbo, iwe unogona kunge uchikwanisa kubhadhara rubatsiro kuti ubatsire kudhura miriyamisi yako yemwedzi.
Mukuwedzera, iwe unogona kunge uchikwanisa kubhadhara rubatsiro kuderedza purogiramu yako yepamusoro-pfu kana kuderedza kuderedza kwako, makopiko, uye coinsurance . Izvi zvinowanikwa chete kune inshuwarhu yehutano inotengeswa kuburikidza ne Affordable Care Act yehutano inshuwarheni inoshandiswa munharaunda yako (kana iwe ukatenga ACA-yakagadzirira hurongwa kunze kwekutsinhanisa, haugoni kuwana chero rubatsiro).
Zvose izvi zvinotsigirwa zvinobva pane zvaunowana. Kana iwe unowedzera mari, pasi iwe rubatsiro rwako ruchava. Kana iwe ukawana zvakawanda, iwe ungasave wakakodzerwa nebhasiro. Asi kana iwe uchiwana mari yakaenzana, iwe unogona kukodzera kubatsirwa.
Kuva nechiitiko Chechipiri Chokusarudza
Kana iwe uchikodzera kuCOBRA , unongova nenguva shoma yekunyora.
Iwaawa inotanga kukurudzira zuva rechiitiko chinokonzera chakakuita kuti uwane kodzero yeCOBRA, somuenzaniso, zuva rawakarambana kana rakarambidzwa. Kana iwe usati waita zvisati zvaitika, iwe ucharasika mukana wako.Hamuwani mukana wechipiri.
Kana ukarasikirwa nehutano hwako hwehutano inshuwarheni, iwe uchakwanisa kuwana nguva yakanyoresa yehutano pahutano hwehutano hwehutano hwehutano hwako (kana kune imwe purogiramu yemakambani inopiwa kunze kwekutsinhanisa, kana iwe uchida iwe), pasinei nokuti kuenderera kweCOBRA kuripo kwauri. Kufanana neCOBRA sarudzo, nguva iyi yekunyora yakakosha inguva-ishoma. Zvisinei, kana iwe usina kukwana nguva yakatarwa, iwe uchava nemukana wechipiri wekunyora inshuwarhu yehutano pachitsinhanho panguva yekunyoresa kwegore gore rose. Hapana nguva yekunyora yakazaruka yeCOBRA.
Nguva Yenguva
COBRA haigari nokusingaperi. Yakanga yakagadzirirwa segurogiramu yekukutora iwe kusvikira iwe wakachengetedza zvimwe zviitiko. Zvichienderana nemhando ipi yekugadzira chiitiko chakaita kuti uwane kodzero yeCOBRA, kugoverwa kwako kweCOBRA kuchagara kubva pamwedzi 18 kusvika ku36. Mushure maizvozvi, iwe unofanira kuwana imwe inshuwarhu yehutano.
Iwe unogona kuisa chikwangwani cheBobamacare (yega purogiramu yemakethe) yegore rekarenda (kana kuti kana kurega kutengesa ). Kana iwe ukasaina chikwangwani munguva yakanyoresa, iwe unogona kuendesa kune chirongwa chitsva panguva inotevera yekunyora kwekuvhara. Kana iwe uchida kuramba uchironga hurongwa hwako hutsva kweinopfuura gore uye wako insurer anoenderera mberi kupa, iwe unogona kuzvigadzirisa. Kana bhizimisi yako isingadi kuronga, iwe uchakwanisa kuisa purogiramu yakasiyana pakutsinhanisa kwako, kana kuti zvakananga nemubatsiri wehutano kana ukasarudza kushandiswa-kushandiswa kwekugoverana (yeuka kuti rubatsiro hahuwaniki kana ukatenga chirongwa kunze kwe exchange).
Premium Payment Nyaya Nguva
COBRA haibvumiri mukana wechipiri. Kana iwe wakanonoka pamubhadharo wako wokutanga, iwe ucharasikirwa nekodzero yako kuCOBRA uye iwe haugoni kuidzorera. Kana iwe wakanonoka pamubhadharo wepuraimari wepamwedzi pamwedzi kunze kwekubhadhara kwako kokutanga, utano hwehutano hwehutano huchabviswa pazuva iroro. Kana iwe ukaita mubhadharo wako mukati mezuva remazuva makumi matatu-30, nyasha yako yeCOBRA inogona kudzorerwa. Zvisinei, kana iwe usingaiti mubhadharo mukati mezvenguva dzenyasha, haugoni kuwana inshuwarisi yehutano yeCOBRA yako zvakare.
Kana izvi zvikaitika kwauri, iwe uchave wakabatana. Kurasikirwa neCOBRA kugoverwa kwako nekukundikana kubhadhara miriyamisi yako hazviiti kuti iwe uwane chikamu chekunyora nguva yakakodzera muhutano hwehutano hwehutano hwako, kana kunze kwekuchinjana. Iwe unofanirwa kumirira kusvikira kuzarura kutsemuka kwekunyora (November 1 kusvika kuDecember 15 mumatunhu akawanda) kunyoresa muurongwa hweBobamacare; iwe unogona kuisa pangozi kusavimbiswa panguva iyo.
Nepo vatsigiri vekutengesa hutano hwehutano muhutano hwehutano hwehutano hwako huri kutarisira kubhadharwa nenguva iyo mwedzi mumwe nomumwe, nguva yenyasha yekubhadhara kwenguva refu inopfuura kwenguva yeCOBRA kune vamwe vanhu. Iko Inogadziriswa Care Act inobvumira zuva remazuva makumi matatu rekunaka kwekuripira kwekupedzisira kumapurogiramu ese ehutano anotengeswa pakugoverana. Asi izvi zvinowedzera kune mazuva makumi mapfumbamwe kana iwe uri kuwana hutano hwehutano inshuwarheni (kunyange iwe unofanira kubhadhara zvakakwana pamagumo emazuva makumi mapfumbamwe, hakutenderi kuti ugare mwedzi mitatu mushure pamabhadharo ako).
Ndiani Ari Dare Rinodzora?
COBRA zvirongwa uye inshuwarheni yehutano inshuwarheni inotungamirirwa neDhipatimendi reMabasa. Kana uine dambudziko guru neurongwa hwako hweCOBRA, mushure mekutevera hurongwa hwekukumbira uye kumhan'ara, unogona kuguma uchibata neDhipatimendi reVashandi mukuedza kugadzirisa nyaya yacho.
Zvirongwa zvehutano zvinotengeswa kuhutano hwehutano hwehutano hwako huri kutongwa nehurumende imwe neimwe. Kana uine dambudziko guru neurongwa hwekushandura-hutano hwako, shure kwekutevera urongwa hwekukumbira uye hurongwa hwekunyunyuta, unogona kuguma uchishanda neDhipatimendi reUnishuwarenzi kana Dhipatimendi reInishuwarenzi kana Inishuwarenzi Commission kuti ugadzirise nyaya yacho.
> Sources:
> Dhipatimendi reMabasa. Zvirongwa Zvoutano & Makomborero: Kuenderera mberi kwehutano hwehutano - COBRA.
> Kaiser Family Foundation. 2017 Employer Health Benefits Survey. Svondo 19, 2017.