Panguva yekunyora kusununguka sarudza chirongwa chakanakisisa chehutano chako iwe nemhuri yako
Kunyangwe iwe ungave uchifunga nezvemusarudzo ipi yekuvhota musarudzo dzaNovember, iwe unofanirawo kubhadhara zvakanyanya kuchinja muhutano hwehutano inshuwarheni. Makambani akawanda anopa huwandu hwehutano hwehutano hunogona kunge huine mari dzakasiyana uye dzinobatsira, uye nguva yako yekunyora yakasununguka yevashandi yako mukana wako wekuchinja kugoverwa kwako.
Kuvhura kunyoresa kunowanzoitika kumagumo egore rega rega rega uye mumakambani mazhinji anongobatwa kamwe chete uye kazhinji kwevhiki imwe chete kana maviri. Kana ukarasa huwandu hwebasa rako rekunyora rusununguko rwegore, iwe ungasakwanise kunyoresa muurongwa hwehutano hwako-kana kuti uchinje pane zvaunenge uchiverenga-kune rimwe gore.
Tarisa nehurumende yebasa rako revanhu kuti uwane kana nguva yako yekunyora yakatanga inotanga uye inoguma, uye apo hutano hwehutano inshuwarisi inotanga kushanda. Kazhinji, kuverengwa kwakasununguka kunoitika pedyo nekunopera kwegore, nezvose zvirongwa zvekushandura, kunyora, uye kupera kwekuvharidzira kunoitwa naJanuary 1 wegore rinouya. Asi izvi hazvirevi nguva dzose, saka kaviri kutarisa kuti uve nechokwadi (chinyorwa chokuti nguva yekunyora yakasununguka mumusika mumwe nomumwe unotanga musi waNovember 1 gore roga roga , uye nguva yekunyora yakakwana yeMedare Advantage uye Medicare Part D inotanga musi waOctober 15 gore negore , asi varimi-vakagadzirirwa zvirongwa vane zvirongwa zvakasiyana-siyana zvekunyora).
Kusarudza Hurongwa Hwehutano PaKunyoresa Kunyoresa
Ita chokwadi chekutarisa zvakanyatsoona zvirongwa zvako zvose zvehutano zvekusarudza kuti chirongwa chii chakakosha iwe iwe nemhuri yako. Vanhu vazhinji vanosarudza chirongwa chisinganyanyi kukosha pamubhadharo wavo-chirongwa ichi chinotsika pasi. Zvisinei, izvo zvingasava nzira yakanakisisa iwe.
Isa nguva uye ita basa rako rechikoro!
Nhengo yako inofanira kukupa zvinhu zvakanyorwa zvakatsanangura zvaunobatsira. Vashandi vazhinji vanopa misangano yepurogiramu yekubatsira apo unogona kubvunza mibvunzo pamusoro pehutano hwehutano hwako. Kana iwe usinganzwisisi yako yveshuwarisi zvingasarudzwa, bvunza rubatsiro rwekuyeuka, kana uchinge waita chisarudzo, ungasakwanise kuchinja zvirongwa kusvikira gore rinotevera.
Kunzwisisa hutano hwehutano inshuwarimi
Kana iwe usinganzwisisi mazwi einishuwarenzi yako inogona kukudhura iwe zvakare mugore rinouya. Zvimwe zvinhu zvinokosha kuti udzidze pamusoro apa ndezvi:
- Ndechipi musiyano pakati pekubhadhara mari uye coinsurance ?
- Chii chinowanikwa gore roga roga uye chinogona sei kupindira miriyamisi yako yemwedzi uye kunze kwemari ?
- Chii chinopa muchengeti uye chii chinoitika kana iwe ukashandisa chiremba uyo asiri mumutambo ?
- Ndezvipi zvakasiyana pakati pePPOs, EPO, uye HMO uye ndeupi musarudzo wakanakisisa kwauri?
Ongorora mari yako yekushandisa mari mune gore rakapera
Dzokorora kubatsirwa kwehutano uye mari iyo mhuri yako yakashandisa gore rino uye funga nezveshanduko muhutano hwehutano hwaungada mune gore rinotevera. Somuenzaniso, uri kuronga kuva nemwana here kana kuti mumwe munhu mumhuri achangobva kuongororwa ane chirwere chisingagumi sechirwere cheshuga?
Tarisa Kuti Uone Kana Vatano Vako Vehutano Vanoramba Vachigamuchira Inishuwarenzi Yako
Usati wazadza mapepa ekushandura zvirongwa, simbisa kuti chiremba wako, mukoti, uye chipatara chiri chikamu chekunamatira kwerongwa hwehutano hwaunosarudza. Zvichienderana nezvamunogara, vatapi vako vangasave vari mumutanha kana iwe uri kuchinja inshuwarisi yako yekambani kana kuchinja kune rimwe chirongwa chehutano hwakasiyana. Pamusoro pechinhu ichocho, zvinokosha kutarisa kuti vatapi vako vese vari mu-network kunyange iwe uri kusarudza kuchengeta zvauripo zvino sezvo vapi vese vanogona kuuya nekubva kune inshuwarheni mitambo chero nguva.
5 Zvinhu Zvokutarisira Panguva Yakazonyora Chikoro
Vashandi vari kuedza kuchengetedza mari, kunyanya sezvo mari yehutano inoramba ichikwira. Imwe nzira yekuita izvi ndeyokuderedza mararamiro emishuwarisi yehutano (kureva, kudhura zvakanyanya, copays, uye zvachose kunze kwemari) uye / kana kutengesa mari yakawanda kune vashandi. Iva nechokwadi chekuverenga zvakanyatsogadziriswa zvirongwa zvako zvehutano, sezvo iwe ungawana kuti zvikomborero zvako uye mari ichachinja kune gore rinouya.
- Tarisa kuti uone kana vako vanovimba navo - mudzimai, shamwari, uye vana - vakavharwa. Pasi peAACA, vashandirwi vakawanda (50 kana kupfuura vashandi) vanofanirwa kupa hupfumi kune vashandi venguva yakazara nevaya vanovimba navo, asi havakwanisi kupa rubatsiro kune vakaroorana. Vashandi vakawanda-varongwa vanotsigirwa vanoramba vachiwanika kune vakaroorana, asi zvikwereti zvinoshanda mune dzimwe nguva , saka iva nechokwadi chokuti unonzwisisa kuti hurongwa hwebasa rako huchafukidza sei nhengo dzemhuri yako.
- Ongororo chero ipi zvayo yakatenderwa mvumo inotarisirwa nezvirongwa. Uye kana urongwa hwehutano hwevashandi hwako hwakaberekerwa, tanga kuziva nezvehupi huripo huripo huripo huripo huripo pane chirongwa. Pasi pemutengo unobatsira wehutano (mitemo yehutano hwehutano), zvirongwa zvehutano zvinoshandiswa nevashandi hazvikwanisi kuisa mamiriro ekugadzirira kwenguva yakatarwa, asi urongwa hahushandi kune zvirongwa zvakawanda. Saka kana chirongwa ichi chakaberekerwa uye iwe wakanga uine mukana wekuvhara mberi usati wanyoresa, teerera kumitemo maererano nenguva dzekumirira yezvakaitika kare.
- Kana iwe ukatora mishonga yemishonga, chengetedza iwo kurongwa rwezvinotenderwa zvinodhaka (formulary) yeurongwa hwehutano (kana zvirongwa, kana pane zvakawanda zvingasarudzwa) wako waunopa anopa. Uyezve, kana iwe ukatora mishonga inodhura ine zita remishonga, tsvaga mari yakawanda yemari yekubhadharwa kana mari yemishonga yemishonga imwe neimwe purogiramu iripo.
- Kana iwe kana imwe nhengo yemumhuri ichida chirwere chepanyama chinoramba chiripo kana kuti ine dambudziko rehutano hwepfungwa inoda kurapwa, chengorora izvo chirongwa chako chehutano chichati uye hachizofukidza. IAACA inoda kuti boka rimwe nerimwe neboka duku rironge kuvhara zvinhu zvose zvehutano hunokosha , asi mutemo iwoyo hauiti kune mapoka makuru eboka, saka unzwisise kukwana kwechirongwa.
- Tarisa kuti uone kuti iwe nevemhuri yako mune zvakakwana zvekutaridzirwa kwekukurumidza kana muchifamba muUnited States kana kune imwe nyika.
Migumisiro yeChinakidza Kuchengetedza Mutemo pane Zvaunobatsira
Zvimwe zvidimbu zvehuwandu hweAne Affordable Care Act zvinokonzera inshuwarano yehutano yeboka. Iko kuchinja, kwaunofanira kuziva pamusoro pokusarudza hurongwa hwehutano hwakapiwa nemushandi wako, sanganisira:
- Iwe unogona kuchengeta vana vako vakuru pane chirongwa chako cheutano kusvikira vakura makore 26.
- Miviri yehupenyu hwehutano hwehutano inshuwarheni haibvumirwi.
- Mutengo wegore negore haubvumirwi zvakare, asi mutemo uyu hauiti kune zvirongwa zvakawanda. Saka kana chirongwa chako chawakashandira chikaberekerwa, chengetedza kuona kana chakave nemiganhu yekubhadhara gore negore.
- Iko kune miganhu yepamusoro pane yekunze-ye-pocket yakanyanya kufungidzira kuti zvirongwa zvehutano zvinogona kuva, kunyange zvazvo mitemo iyi isingashandisi kune zvirongwa zvakakura kana zvikuru.
Mamwe mazano kubva kuna Dr. Mike
Kazhinji, kana iwe uchibhadhara chikamu chakakwirira, gore rako rose rinobviswa uye zvikwereti zvichave zvishoma. Nokudaro, iwe unogona kufunga nezveurongwa huripo huripo hwepamusoro uye unoderedza pasi-ye-muhomwe mari kana iwe unotarisira kushandisa zvakawanda zvehutano hwehutano mugore rose rinouya. Uye, kana iwe uchiri muduku uye uine hutano uye usina vana, unogona kusarudza hurongwa uine purogiramu yakaderera uye yakasununguka kunze kwehomwe mari.
Asi izvi zvisizvo hazvisi zvechokwadi nguva dzose-dzimwe nguva iwe uchabuda mberi maererano nehuwandu hwezvinodhura kuburikidza nokutora chirongwa chepasi-chepamusoro, pasinei nepamusoro-chepamusoro-podhadharo, kunyange iwe ukazoguma uchizadzisa zvakakwana -of-pocket muganhu wegore.
Kunyange zvazvo chirongwa chako chaunoshandira-shandise chinowanzoita sarudzo yako isingakoshi uye inopa kugoverwa kwakanakisisa, unogona kukwanisa kubuda uye kutengesa zvakapoteredza. Taura nenhengo yehutano yehutano inshuwarheni munharaunda yako kana chengetedza zvirongwa zviripo paCreatCare.gov. Kana waunoshandira ari kupa hutano huripo hwehutano huripo hunopa huwandu hunokosha, haugoni kukodzera kubhadhara mari yepayimusi (premium tax credits) mune shanduro. Asi zvichienderana neurongwa hunoti waunoshandira anopa, kana iwe waunoshandira akavhara chikamu chemhuri yako yemhuri, uye kuti unotarisira hutano hwakawanda sei zvaunotarisira kushandisa, zvingaita kuti hurongwa hwakatengwa mumusika umwe neumwe hunogona kupa huri nani, saka zvakakosha panguva yekuongorora.
Kana uchida kudzidza zvakawanda pamusoro pezvirongwa zvehutano zvinopiwa neunoshandira kana kana iwe usina kugutsikana nemhinduro dzemibvunzo yako panguva yekunyora kusununguka, taura nehurumende yehurumende yveshuwarenzi. Nzvimbo yako yepaIndaneti inofanirwa kunge inosanganisira nhamba nemhando dzekunyunyuta kwakaitwa pamusoro pezvirongwa zvehutano zvakabvumirwa munyika yako.