Utano Inishuwarenzi Options Apo Coverage yako Inoguma
Kana uine inshuwarano yeutano yehutano inouya nebasa rawakaroorana naye, iwe unogona kurasikirwa nechiitiko ichocho paanoenda kuMedare. Kwete kare kare, ichi chaiva chiitiko chinotyisa uye chinodhura, asi zvinhu zvachinja. Iye zvino une zvimwe zvingasarudzwa zvehutano hwehutano kana uri kurasikirwa nehutano inshuwarisi nokuti wako wako ari kuwana Medicare.
Yenyu Yenyu Yakagadzirwa Nehutano Inishuwarenzi
Kana uine basa rinopa inshuwarisi yehutano asi iwe wakasarudza kuisa iyo inshuwarisi yehutano, iwe uchakwanisa kuwana nguva yekunyora yakakwana kubasa rako.
Izvi zvinokubvumira kuti iwe unyore muhutano hwako hwehutano hwehutano husinei nehutori husina kuzarura kune mumwe munhu wese. Nguva yekunyora yakakosha inguva-isina kukwana, kazhinji mazuva 30-60, saka usamirira kwenguva refu. Kana ukarasikirwa naro, unofanira kutarisira kusvikira nguva inotevera yekunyora kuzarura.
COBRA
Kana urongwa hwehutano hwemumwe wako huri pasi pemutemo weCOBRA , iwe uchakodzera kuramba uchironga hurongwa hwehutano hwemwedzi gumi nemasere kuburikidza nekuenderera mberi kweCOBRA.
Kana ukasarudza kuenderera mberi kweCOBRA, iwe unofanirwa kubhadhara mwedzi yemwedzi. Izvi zvichave zvakakura kudarika premium iyo yaisimbobuda mubhadharo yemumwe wako yehutano inshuwarheni. NeCOBRA, waunoshandira wawakaroorana naye haasisirizve chikamu chemishonga yako yehutano yehutano yega yega mwedzi. Iwe uchabhadhara chikamu chawakagara uchibhadhara uye chikamu icho wawakashandira wawakaroorana naye achishandisa kubhadhara. Iwe uchabhadharawo mazana maviri kubva pamwedzi unobhadhara mwedzi mumwe nomumwe.
Hakusi chete COBRA yakadaro inodhura , inongova yechinguva. Kana iwe usiri kuzokodzera Medicare pachako mumwedzi gumi nemasere, iwe unofanira kutanga nechimwe chirongwa chekugoverwa kana kuburitsa kwako kweCOBRA kuenderera mberi.
Tenga Utano Hwehutano paNyika Yenyu Health Insurance Exchange
Ndinokutendai kune Affordable Care Act, munogona kutenga hupfumi, humwe hutano hwehutano inshuwarano pahutano hwehutano inshuwarheni .
Kana uine inshuwarano yehutano yehutano usingave nekunyoresa kana uchinge warasikirwa nekuroorana kwako, usanetseka. Kurasikirwa nekugoverwa kwacho kuchaita kuti iwe uwane chikamu chekuregererwa kwekanguva nguva yakakosha pahutano hwehutano inshuwarheni.
Kana uine mari yakawanda, iwe unogona kubhadhara mari yekubhadhara kuti ubatsire kubhadhara mitero yako yemainishuwarensi yehutano yepamwedzi. Kana zviwanikwa zvako zvakaderera, unogona kunge uchikwanisa kubhadharwa zvikwereti pamabhadharo ekugoverana mari zvakadai sokudzvora, mapepa, uye coinsurance . Shandisai rubatsiro rwekubhadharisa sezvo iwe uri kutenga inshuwalhu yehutano. Dzidza zvakawanda nezvehutano hwehutano inshuwarheni mu:
Tenga Utano Hwokuchengetedza Purogiramu
Utano hwehutano hwehutano hwako husiri nzvimbo chete iwe unogona kutenga munhu wehutano inshuwarisi yemutemo. Somuenzaniso, iwe unogona kutenga mutemo kuburikidza nehutano hwehutano hwehutano inshuwarani seEHealthInsurance.com. Iwe unogona zvakare kutenga inshuwalhu yehutano yehutano zvakananga kubva kune kambani yehutano inshuwarisi Zvisinei, mune dzimwe nyika, haungakwanisi kuwana inshuwarisi yehutano huripo kunze kwekuti iwe uwane chirongwa kubva kune hutano hwehutano inshuwarheni.
Iwe unogona kushandisa shandisi yekuchengetedza yunivhesiti yakazvimirira kuti ikukurudzire uye ikubatsire kutenga inshuwarano yemutano Vakawanda, asi kwete vose, vashandi ve inshurensi vanogona kukubatsira kutenga sarudzo yakanyorwa muhutano hwehutano hwehutano hwako.
Pasinei nokuti iwe unotenga chirongwa uri woga kana pahutano hwehutano inshuwarheni, makambani einishuwarenzi haachazobvumirwi kukubhadharai zvikuru nokuti une chirwere chepreexisting kana chinetso cheutano.
Medicaid
Kana zviwanikwa zvako zvakaderera zvakakwana, unogona kukodzera kuhutano hwehutano huri hurumende kuburikidza neMedicaid . Mune dzimwe nyika, chirongwa cheMedicaid chinowedzera kune rimwe zita seAka SoonCare ku Oklahoma kana Medi-Cal muCalifornia. Zviri nyore kuvhiringidza Medicaid uye Medicare , asi ivo vakasiyana mapurogiramu ane zvipo zvakasiyana uye zvakasiyana-siyana zvinokodzera.
Munyika dzakawanda, vanhu vane mari shoma vanoita kusvika 138% yehurumende yehurumende yehurombo vanokodzera Medicaid.
Hurumende yehupfumi inoshanduka gore roga roga, asi muna 2015, FPL kune vakaroorana inodarika $ 15,930, yakawanda kana uchigara ku Alaska kana kuHawaii. Kana iwe uchigara mune imwe nyika iyo yakawedzera maMedicaid ayo maitiro maererano neAne Affordable Care Act, iwe ungangodaro wakakodzerwa neMedicaid kana mhuri yako yevaviri ine mari kusvika kune $ 21,980 pagore.
Kana iwe uchigara mune imwe nyika yakasarudza kusawedzera ma Medicaid rolls, mitemo yeMedicaid kukodzera ichava yakaoma. Mukuwedzera kune zvinyorwa zvisingabatsiri zvekuwana, mitemo yakakodzera inogona kusanganisira chiyero chehupfumi hwako hwepanyika uye zvinhu. Kukodzera kunogona kuve kwakakwana kune nhengo dzemapoka akakodzera akadai sevakakomba, vane pamuviri, mapofu, vabereki vevana vaduku, kana vakwegura.
Iwe unogona kushanda kuMedicaid zvakananga nehurumende yako yehurongwa hweMedicaid. Utano hwehutano hwehutano hwako hunogonawo kugadzirisa kana iwe uchikodzera kuMedicaid. Dzidza nezveMedicaid uye ndiani akakodzera munharaunda yako.