Health Insurance

Chirongwa cheUtano Inishuwarenzi Mazano

Mikana ndeyako, iwe une inshuwalhu yehutano-inenge 11 muzana yeAmerica haibatsiri. Asi kunze kwekuti uine ruzivo uchishandisa hurongwa hwehutano hwehutano hwekurapa kwakakosha, iwe ungangodaro usina kubhadhara zvakanyanya kuhuwandu hwehuwandu hwako. Uye kana iwe waifanira kutengesa iwe pachako kugovera kana kusarudza kubva pane dzimwe nzira dzakapiwa nawakashandira, iwe ungangodaro wakawana zvisarudzo zvinotyisa kana zvinokanganisa.

Pasinei nokuti unowana kupi inshuwarano yehutano, zvakakosha kunzwisisa izwi rinoshandiswa kurondedzera maitiro uye kugoverwa uye kukwanisa kuenzanisa zvirongwa. Kuziva kuti hurongwa hwako hunoshanda sei-usati watoda kuushandisa-hunokosha; iwe hausi kuda kutarisa zvinhu zvose zvekuparidzira kwako paunenge uri muimba yechipatara.

Ungaenda kupi Kuti Uwane Rubatsiro?

Vanenge hafu yevaAmerica vanowana inshuwarhu yehutano kumunhu anoshandira.

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Inenge chikamu chimwe chete muzvitatu chevanhu veUnited States vane chinyorwa pasi peMedicaid kana Medicare uye anenge matanhatu kubva muzana inotengeswa inotengeswa pamusika mumwechete-kusanganisira kushandiswa-kushandiswa uye kushandura-shanduro zvirongwa.

Kubatsira pakusarudza sarudzo, kunyorwa, uye kushandisa yako kugoverwa nguva dzose, pasinei nokuti unowana kupi kugoverwa kwako. Kana wako waunoshandira achipa utano hwehutano inshumo, usanyara pakubvunza mibvunzo. Kana pane dhipatimendi rehupfumi hwevanhu panzvimbo yako, kukubatsira kunzwisisa zvaunobatsira chikamu chebasa ravo.

Kana iwe ukashandira vashandi vashoma vasina boka revanhu vanozvitsaurira, vanogona kukuendesai kune zvigaro zvingakubatsira iwe, kusanganisira yehutano inshuwarisi, mutengesi uyo akabatsira mubhadharo kusarudza kugoverwa, bhizinesi rehutano hwehutano kushandiswa, kana chechitatu-party payroll / company inobhadhara iyo inoshandiswa nemushandi.

Chero nguva ipi zvayo iwe uri kuongorora kubatsirwa kana kududza dhaka, bvunza zvinyorwa mukunyora kuitira kuti uzive nechokwadi kuti mashoko acho akarurama.

Panyaya yekutsvaga yehutano inshuwarisi, vatengi vanowanikwa kupa rubatsiro rwepaIndaneti, pamusoro pefoni, kana mu-munhu-uye hapana mutero wemabasa avo. Mabhengi anogona kukubatsira kuti uenzanise zvirongwa zvose pazviri uye kurega kutengesa . Kana iwe uchiziva kuti unoda kushandisa shandhu yehutano inshuwarheni, pane vashandisi uye vanyori vanobvumirwa nevanyori vanowanika kuti vakubatsire kunyoresa. Kuti uwane shanduko muhurumende yako, unogona kutanga pa Healthcare.gov uye sarudza nzvimbo yako. Kana uri muhurumende ine shanduko yako pachako, iwe uchatungamirirwa kune iyo site.

Pamusoro peMedicaid kana Vana Health Health Program (CHIP), sangano rako rezvematongerwo enyika rinogona kukubatsira kunzwisisa zvinowanikwa kwauri, kana zvichikodzera, nekukubatsira nekunyoresa. Iwe unogonawo kunyoresa kuMedicaid kana CHIP kuburikidza nehutano hwehutano inshuwarheni mune imwe nyika.

Kana iwe uchikodzera Medicare, unogona kushandisa State yako Insurance Health Assistance Program sechinhu.

Kunewo vatengesi munyika yose vanobatsira vabatsiri kunyoresa muMagare Advantage zvirongwa kana kuti kuwedzera kugoverwa kweMutambo waMusere.

Zvisarudzo, Zvisarudzo, Zvisarudzo

Mune zvimwe zviitiko, zvirongwa zvako zvekugadzirisa zvinogona kunge zvisingakwanisi, sekunge kana wako waunoshandira achipa chirongwa chimwe chete. Asi vanhu vakawanda vane zvisarudzo zvishomanana kana zvasvika mukusarudza inshuwarhu yehutano. Vashandi vako vangave vachipa zvirongwa zvakasiyana-siyana nehutano hwakasiyana-siyana uye mapurogiramu emwedzi. Kana iwe uchitenga yako yehutano inshuwarheni, unogona kusarudza kubva kune imwe hurongwa inowanikwa mumumwe mutengesi munharaunda yako (pamusoro kana kuvhara-kushandiswa, kunyange zvazvo rubatsiro rwemari yepayimusi inowanikwa chete mukutsinhana).

Kana iwe uchikodzero kunyoresa kuMedare, iwe uchava nemukana wekutora chirongwa cheMedare Advantage kana kubatana neMuviri weMedare uye uchisarudza kana uchizowedzera pamwe neMedigap uye chikamu cheD Part D chirongwa.

Pamusoro pezvose zvinotarisana nemamwe mimwe Medicaid / CHIP, nguva dzekunyora dzakapfigwa gore negore dzinoshanda. Nguva yekunyora yakakosha, zvisinei, inowanikwa kana iwe ukawana zvimwe zviitiko zvehupenyu zvinofanirwa, sekusakanganiswa kwekugoverwa kwekugovera kana kuroora.

Hapana humwe-hukuru-hunofanirwa-zvose kana zvasvika kune inshuwarhu yehutano. Urongwa huchava hwakanakisisa kwauri hunoenderana nemhando dzakasiyana siyana:

1. Iwe unayo mamiriro ezvinhu akambovapo? Iyi haisi iyo nyaya maererano nehuwandu hwehuwandu hwehuwandu hwehutano hwakakosha sezvo Care Affordable Care Act inorambidzwa kushandiswa kwezvokurapa kunoitwa gore ra2014. Asi ichava chinhu chinoenderana nekusarudza chirongwa, nokuti zvinobatsira, kunze kwe-pocket exposure, yakavharwa mishonga yezvinodhaka (formulary), uye muperekedzi wepurogiramu anosiyana zvikuru kubva pane rimwe zano kuenda kune rimwe.
   
   Kana imwe nhengo yemhuri yako ine mamiriro ezvinhu akambovapo kana kuti ari kutarisira mari inokosha yezvokurapa mugore rinouya, iwe ungada kuverenga kunyora mhuri mumagadzirirwo akaenzana, nekutarisisa kwakasimba kune nhengo yemhuri iyo inotarisirwa kudiwa kwehutano hwehutano munguva gore.

2. Unotora chero mishonga yemishonga here? Iva nechokwadi chekutarisa fommerries yezvirongwa zvehutano zvaunofunga. Iwe unogona kuwana kuti rimwe urongwa hunovhara mishonga yako mumutengo wakadzika kudarika mumwe kana kuti zvimwe zvirongwa hazvifukidze mushonga wako zvachose. Zvirongwa zvehutano zvinopatsanura mishonga yakavharwa muzvikamu, zvinowanzonyorerwa Chidzidzo 1, Chipiri 2, Chipiri 3, uye Tier 4.
   
   Zvinodhaka mumutambo wekutanga 1 zvakanyanya kudhura, asi izvo zviri muChikamu chechina zvinonyanyokosha pamishonga. Zvinodhaka muChikamu chechina zvinowanzovharwa ne coinsurance (iwe unobhadhara chikamu chemari) kusingapesana nemapapiro emari. Zvichipa mutengo wepamusoro wezvigadzirwa pamishonga inodhaka, vamwe vanhu vanopedzisira vachinge vachinge vachinge vachinge vaine chirongwa chavo kunze kwemahombekombe kare kare pagore kana vachida mari inodhura Tier 4 madhiragi. Vamwe vanoti, zvisinei, vakagadzirisa miganhu pamusoro pemararamiro ehutano ehuwandu hwemishonga.
   
   Kana iwe uri kunyoresa muMedare, unogona kushandisa chirongwa cheMedare's finder apo iwe paunotanga kunyora uye gore rimwe nerimwe panguva yekunyora kuzarura. Ichakubvumira kupinda muzvinyorwa zvako uye kukubatsira kuti uone kuti chirongwa chemishonga chinoshanda zvakanakisisa.

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1. Uri ikozvino uchigamuchira kurapwa kune mumwe chiremba kana chipatara here? Mupi wehutano hunosiyana kubva kune imwe nhumbi kuenda kune imwe, saka fanisa mupepeti mazita ezvirongwa zvakasiyana-siyana zvaunofunga. Kana mupi wako asiri mu-network, iwe unogona kunge uchikwanisa kushandisa uyo anopa asi iwe nehomwe yepamusoro yehomwe yepamusoro kana iwe unogona kunge usina kuvhara kunze kwenhare zvachose.
   
   Mune zvimwe zviitiko, iwe unoda kusarudza kana kuchengetedza waunopa iye zvino ari kukodzera kubhadhara mari yepamisimisi yehutano yemishonga yehutano. Kana iwe usina hukama hwakanyatsogadzikana nechiremba chaiwo, unogona kuwana kuti kusarudza hurongwa necheteterera mutsara kunogona kukonzera mubhadharo apasi.

2. Uri kutarisira chero kurapwa mune zvekurapa kunodhura mugore rinouya here? Kana iwe uchiziva kuti une chirwere chinouya, somuenzaniso, kana uri kuronga kuva nechecheche, zvingava zvine musoro kubhadhara mari yepamusoro yepamusoro mukutengeserana kwerongwa nechezasi ye-pocket-limit. Ramba uchiyeuka kuti iwe unogona kuwana huwandu huri nani kubva pane chirongwa chine chikamu chepasi chepasi, kunze kwekuda kwekuti chirongwa chinoda kuti iwe ubhadhara hupi hupi hupi huripo musangano musati wapera.
   
   Semuenzaniso, kana uchiziva iwe uchange uchida kugadzirisa mabvi, chirongwa chinogadzirirwa zvachose che $ 3,000 chinogona kuva chinhu chakanaka kudarika chirongwa chinokwana $ 5,000 kubva kunze kwehomwe. Kunyange kana chirongwa ichi chekupedzisira chichipa mapepa ekushanyira chiremba, iyo yepurogiramu inoratidzira chiremba wako anoshanyira kune iyo inobviswa.
   
   Iko pakupedzisira ichava rubatsiro rwakanakisisa kubhadhara mari yakazara yekushanyirwa kwachiremba kana iwe uchiziva kuti mari yako yese yekushandisa muhutano pahupfumi huchavharwa ichapera kana iwe ukasvika $ 3,000 pagore. Kuwana kubhadhara copay-panzvimbo yemari yakakwana-yekushanyira chiremba inobatsira munguva pfupi. Asi kune vanhu vanenge vachida rubatsiro rwakakura rwemishonga, mari yose yekushandiswa kwemari yekutora mari inogona kuva chinhu chinonyanya kukosha.

3. Iwe unofamba zvakawanda here? Iwe unogona kuda kufunga PPO ine ruzivo rwakakura uye yakasimba kunze-ye-network coverage. Izvi zvichange zvakadhura kudarika imwe shoma-network HMO, asi kushanduka kwayo kunopa mazwi ekukubvumira kushandisa vapeji munzvimbo dzakawanda kungave kwakakosha. Kana iwe uri kunyoresa kuMedare, zvirongwa zvako zvekufamba zvingangodaro zvigadzira Orika Medicare-pamwe nekuwedzera kubhadhara-chirongwa chiri nani kudarika Medicare Advantage, sezvo Medicare Advantage ine zvishoma inopa mishandisirwo.

4. Chii chaunenge uchiregerera kune njodzi? Iwe unosarudza kushandisa mari yakawanda pamwedzi yega yega pamwedzi mukutengeserana kwekuderera kwemahomwe emari? Uri nekopay pahofisi yechiremba-asi zvinopesana nekubhadhara zvose zvekutarisira kwako kusvika uchingosangana nemari yako yakakodzwa-inokosha yepamitima yakakwirira? Iwe une mari yekuchengetedza iyo inogona kushandiswa kubhadhara mari yako yekutarisira hutano kana iwe ukasarudza urongwa nechepamusoro deductible here?
   
   Iyi mibvunzo isina mhinduro yakanaka kana isina kunaka, asi kunzwisisa manzwiro aunoita pamusoro pavo inokosha chikamu chekusarudza urongwa hwehutano huchakupa zvakanakisisa kukosha. Mariyo yemwedzi yega yega ichabhadhara pasinei nokuti unoshandisa mamiriyoni emadhora ehutano hwehutano kana kwete zvachose. Asi kunze kwepamukimari, mari yaunenge uchibhadhara gore rose inobva kune rudzi rwekugovera iwe uye kuti iwe unoda kurapwa zvakadini.
   
   Zvose zvirongwa zvisingabatsiri zvinosanganisira mamwe maitiro ekuchengetedza kudzivirira pasina kugovana-kutora-kureva kuti hapana kopay uye haufaniri kuribhadharira mari yako yezvibasa. Asi kunze kweizvozvo, kugoverwa kwemamwe marudzi ekutarisira kunogona kusiyanisa zvikuru kubva pane imwe zano kune imwe. Kana ukasarudza urongwa huri nemari inotsika pasi, ziva kuti mari yako inogona kunge yakakwirira kana iwe uchida kurapwa.

5. Iwe unoda kukwanisa kugovera ku Health Health Account (HSA) here? Kana zvakadaro, iwe uchada kuva nechokwadi chokuti iwe unyoresa kune High Deductible Health Plan (HDHP) iyo inonzi HSA-yakakodzera. Izvo zvirongwa zvinovhara kuchengetedza kwekuchengetedza vasati vatsaurwa, asi hapana chimwe chinhu. HSA-mapurogiramu anodiwa ane zviduku zvinokonzerwa zvinodiwa pamwe chete nemiganhu pazvinenge zvisingabhadharwi zvehomwe.
   
   Iwe kana wako waunoshandira anogona kubhadhara HSA yako uye hapana "kuishandisa kana kurasikirwa nayo" urongwa. Iwe unogona kushandisa mari kubhadhara mari yezvechiremba nemutero usati watere, asi unogonawo kusiya mari muHSA uye uite kuti iwedzere. Ichaputika kubva kune rimwe gore kuenda kune inotevera uye inogona kushandiswa-kusabhadhara-kusina-kubhadhara mari yakakodzera yekurapa kunyange kana iwe usisina HSA-chirongwa chehutano hwakakodzera.

Shoko Rinobva

Inishuwarenzi yehutano inokosha asi inogonawo kuodza mwoyo uye yakaoma. Pasinei nokuti iwe une chirongwa chehurumende-chirongwa, kugoverwa kunoitwa nemushandirwi wako, kana mutemo wawakazvitengera iwe pachako, kunzwisisa kwakasimba kwokuti inshuwarisi yehutano inobatsira sei. Kana iwe uchiwedzera kuziva, zviri nyore kuti iwe uenzanise zvirongwa zvekugadzirira uye uzive kuti uri kuwana zvakanakisisa kubva kune utano hwehutano inshumo. Uye iva nechokwadi chokuti rubatsiro runowanikwa nguva dzose kana une mibvunzo.

> Sources:

> Gallup, US Uninsured Rate pa11 Percent, Pasi Pakati Pegore Rumi Nemasere,

> Kaiser Family Foundation, Health Insurance Coverage ye Total Population, 2014.