Kune zvakawanda zvakanakisisa kusarudzwa kwehutano hwehutano inshumo kupfuura kuenda pasina
Kana uri kuenda kuchikoro, unoda hutano hwehutano inshuwarheni. Kuenda kwirijiji ndechimwe chezvinhu zvinonyanya kukosha zvaunogona kuita kuti uchengete ramangwana rako remari. Asi chii chinoitika kana iwe uchirwara kana kukuvadzwa iwe uripo?
Usanonoka kuva munhema wekuchengeteka nehukama hwehuduku hwako uye hunoonekwa hutano hwakanaka. Njodzi dzinoparadza uye zvirwere zvinononoka zvinogona kuitika kumunhu chero panguva ipi zvayo, uye mabhizimusi makuru ezvokurapa anogona kukanganisa zvose zvawakaronga zvakanyatsorongwa.
Saka zvakakosha kuve nechokwadi kuti une utano hwehutano hwehutano.
Heano mamwe maitiro:
Ramba Uine Utano Wemutano Wemubereki Wako
Kana vabereki vako vakakutakura iwe pa inshuwarisi yavo, gara pairi chero bedzi iwe unogona.
Nekutenderera kweMurwere Kudzivirira uye Affordable Care Act , kutanga munaSeptember 2010, vana vako vanovimba vanofanira kubvumirwa kugara pahutano hwako kusvika kune makore makumi maviri nemakumi matatu kunze kwekuti mukuru wako wechidiki akakodzera kubhadhara utano hwehutano.
Chenjererai mashoko acho, kunyange zvakadaro. Kana kuvhura kwevabereki vako isangano rekuchengetedza hutano (HMO), kugoverwa kwakakwana kungangowanika munzvimbo yavanogara. Dzimwe HMO dzakagadziriswa zvakare izvo zvinobvumira kuparidzirwa zvizere munzvimbo dzisiri kunze kwebasa ravo, zvisinei, uye ichocho chimwe chinhu chaunofanira kuongorora musati wasarudza chisarudzo ichi.
Zvimwe zvinetso zvinogona kubuda ne inshuwarisi yevabereki iyo inobva pane imwe sangano rinosarudza (PPO).
Zvinowanzoita kuti iwe uwane kurapwa kubva kune mumwe mushandi wezvokurapa mune imwe yakagadzirirwa mitambo kuti uwane mhando dzakanakisisa, uye iwe ungasawana imwe kana chikoro chako chiri kure nemusha. Iwe unogona kuenda kumusha kuti uwane mapepa ekubhadharisa pasi uye coinsurance .
Munyaya yedambudziko rekurapa, urongwa hwehutano hwomubereki wako hunofanirwa kuvhara mazano kubva kune chero ani zvake anenge aripo kana nzvimbo (yakadai seimba inokurumidzira) inopa rubatsiro rwekurumidza.
Pasina nguva refu Kushanda kana Kufukidzwa Nevabereki Vako, Chengeta COBRA
Kana iwe uchangobva kusiya basa rakakupa uine inshuwarano yehutano yeboka, mutemo wehurumende unonzi COBRA unobvumira kuti urambe uri pane chirongwa chacho kwemwedzi 18 kana bedzi paunenge uchibhadhara zvikomborero zvakakwana. Kuchinja kwehutano mitemo hakuiti kuchinja kupi kuCOBRA.
Kana iwe uri pamusoro pemakumi maviri nemaviri uye uchiri kuenda kuchikoroji, unogona kurasikirwa nehutano hwehutano hwakarongwa nevabereki vako. Zvisinei, iwe unogona kunge uchikodzera kuenderera mberi kweCOBRA kushandiswa kwenguva yakati. Vabereki vako, avo vave vakatakura inshuwarisi yenyu, vachada kutarisa neavo vashandi veinishuwarenzi kana kuti mutariri wekubatsira vari kushanda kuti vave nechokwadi chekuti makakodzera.
Ona kana Chikoro chako Chinopa Utano Inishuwarenzi
Makoroji akawanda nemayunivhesiti anopa zvirongwa zvehutano zvakaderera zvevadzidzi vavo kuburikidza nezvibvumirano nemakambani ehutano ehutano hwehutano. Tarisa nehofisi yako yakagamuchirwa kuti uone kana chikoro chako chaita, uye kana zvakadaro, iwe unogona kugoverana sei.
Mamwe makoroji nemayunivhesiti angada kuti iwe utore rumwe rudzi rwehutano hwehutano hwehutano hwepamusoro semamiriro ekunyora.
Chikoro chako chinogona kupa mhando dzakasiyana dzemitemo yehutano hwevadzidzi kubva kubva pangozi yeropa risati iri kune imwe inotakura zvidikanwi zvekurapa.
Zvichida pfungwa yakanaka yokuti iwe utenge chirongwa chakakwana chezvehutano chinotarisa kushanyira mudzidzi wehutano hwevadzidzi, nyanzvi, mishonga-inotarisirwa nzira uye kuongororwa kwekuongorora.
Tenga Inishuwarenzi Yako
Kana chikoro chako chisingapi urongwa hwehutano husingadhuri, unogona kufunga kutenga mumwe munhu inshuwarisi yehutano kuburikidza ne inshuwarisi mutengesi kana mutengi.
Mitemo yega yega inogona kudhura, uye urongwa hwehutano huchaongorora hutano hwako usati hwaita chisarudzo chokukupa kugoverwa. Kana iwe uine hutano hwakagara huripo , urongwa hwehutano hunogona kukanganisa kukufukidza iwe kana kuisa mamiriro ekutanga asati asvika .
Zvisinei, kubudirira kweJanuary 1, 2014, zvirongwa zvehutano hazvichazobvumirwi kuisa mamiriro ekutanga aripo kumirira nguva kana kuti inishuwarenzi yenzira kune ani naani ane mamiriro akadaro. Uyezve, kutanga muna 2014, iwe uchakwanisa kutenga hutano hwehutano muhutano hwehutano hwehutano munzvimbo yako kana nzvimbo.
Health Insurance Through Medicaid
Kana mhuri yako yakawana mari yakaderera, mhuri yako inotarirwa nemitemo yakakura yezvechiremba, kana iwe une hurema, unogona kukodzera Medicaid . Kuti uwane kana iwe uchikodzera, chengeta nehurumende yehurumende yveshuwarisi.
Kurapa kwehutano hwezvehutano kuchawedzerawo kudiwa kweMedicaid kuisa vose veAmerica pasi pezera remakore makumi matanhatu nemashanu nemari yekuwana kusvika ku 133% ye federal paurombo level, kusanganisira vanhu vakuru vasina vana vanotarisira.
Shandisa Hurongwa Hwehutano kuburikidza neHurumende yeHurumende yeInishuwarenzi Yenyu
Nyika dzakawanda dzine zvirongwa zvehutano hwakanaka hwevagari vemo vasingakwanisi kuMedicaid, havagoni kutenga inshuwarisi yehutano, kana kuti vakaramba kubvunzwa kubva kune imwe yekambani yveshuwarisi. Zvinotevera ndezvokuti kune mapepa ehurumende ane huwandu hwehutano hwehutano hwakanaka:
- States neHigh-Risk Masvingo
Tsvaga Mutano Wemagariro
Kana iwe iye zvino usina inshuwarisi asi unoda kurapwa, edza kutsvaga federally-inokwanisa mudzimba wehutano centre (FQHC) pedyo nekoroji yako. Nharaunda dzehutano dzemunharaunda dzinogona kuwanika mumaguta akawanda uye munzvimbo dzakawanda dzemaruwa enyika. Izvi zvivako zvehutano zvinopa rubatsiro kune vanhu vasina inshuwalhu yehutano uye vane zvidhairi zvekubhadhara zviyero zvichienderana nemari.
Masangano ehutano ehutano anopa kuongorora, kurapwa kwehutano, kutarisirwa kwepabonde, zvirwere uye kutarisira vana vako, uye kurapa kwehutano hwepfungwa uye zvinodhaka zvekushandisa. Nzvimbo dzakawanda dzehutano dzinewo makiriniki emeno uye maparamendi muzvivako zvavo.