Kana iwe uchitarisira kuchinja muupenyu hwako, kuronga kwehutano inshuwarani mushure mekunge kuchinja ichi chikamu chakakosha chekuchengeta mari yako yekuchengeteka uye utano hwako. Imwe nzira yakakurumbira yekuwana inshuwarano yehutano mushure mekunge chiitiko chikuru cheupenyu huri kuramba uchinge wakashandisa waunoshandira-hutano hwehutano inshuwarani uchishandisa COBRA kuenderera mberi.
Kana iwe ukawana kurambana, iva chirikadzi kana muuradzi, kana kurasikirwa nebasa rako, kurasikirwa nehutano inshuwarano yako kunogona kuwedzera kunyanya kushungurudzika apo nzira yako yekugadzirisa inenge yakasununguka.
Kana uri kukwidza kuti uwane basa idzva, famba, dzidza kuti ungararama sei usina mumwe wako, kana zvinhu zvose izvozvo panguva imwe chete, kusarudza hurongwa hutsva hwehutano mumusika mumwe nomumwe unogona kuva wakaipisisa (kuva pachena, kusarudza chirongwa chitsva hazvisi zvakaoma sezvazvingaita sezvinoita, uye iwe zvechokwadi uchada kuenzanisa mapurogiramu ega ega emakambani neCOBRA anopa iwe unogamuchira.Asi mune zvimwe zviitiko, kuramba uchienderera mberi kwako iko kuburikidza neCOBRA kuchava nzira yakanakisisa).
NeCOBRA kuenderera mberi kuparidzira, haufaniri kusarudza chirongwa chitsva. Iwe unongoramba uchinge wakabhadhara mari yakafanana-yaunobhadharwa iwe iwe iye zvino. Hapana kuwana chiremba mutsva nokuti chiremba wako iye zvino haasi mu-network ne chirongwa chako chitsva chehutano. Kwete kuendesa marekodhi ezvokurapa kana zvirevo. Iwe unogona kupfuurira yako yemainishuwarenzi yemazuva ano kusvika kumwedzi 18 kana 36 (zvichienderana nemamiriro ako), nguva yakakwana yekudzoka netsoka dzako uye kugadzira hurongwa hutsva.
Zvisinei, havasi vose vanobvumirwa kushandisa mutemo weCOBRA kuti varambe vachichengetedza hutano hwavo hwehutano.
Kunzwisisa kana iwe usina kukodzera inshuwarhu yehutano yeCOBRA kuchakubatsira kuronga ramangwana rakachengeteka.
Kuti uve akakodzera kuCOBRA, unofanira kugutsa zvose zvitatu zvinotevera zvinotevera:
- Chirongwa chako chemazuva ano chehutano chinofanira kufanirwa nemutemo weCOBRA . Hasi zvirongwa zvehutano zvose.
- Iwe unofanirwa kutaridzirwa kuti unobatsirwe kubatsirwa kwehutano hwako hwehutano.
- Unofanirwa kuva nechiitiko chakakodzera .
Ndihu Utano Hwangu Inishuwarenzi Kunyorera COBRA?
Hasi mapurogiramu ese ehutano anofanira kupa COBRA kuenderera mberi nekuvhara. Chirongwa chako chinodaro kana iri chirongwa cheboka chinopiwa kuburikidza nevanoshandira pabasa rega uye vane vashandi venguva yakazara makumi maviri. COBRA inoshandawo kune dzakawanda zvirongwa zvehutano zvehurumende nehurumende.
Iwe haungakwanisi kubhadhara COBRA kana pasina chirongwa chehutano chekuenderera mberi nokuti iwe waunoshandira wakaenda kubhadhara. Mukuwedzera, COBRA haishandisi kune zvirongwa zvehutano zvinopiwa nehurumende yehurumende, nemachechi, kana nemamwe masangano ane chokuita nechechi.
Somuenzaniso, pandakarega basa rangu rokuyamwisa neFlorist Hospitals, ndakanga ndisingakwanisi kubhadhara yehutano yeCOBRA. Izvi zvakanga zvisina chokuita neni; zvaiva nokuti muvakidzani wangu wekare, Florida Hospitals, chikamu cheAdventist Healthcare, sangano rinotungamirirwa neSeventh Day Adventist Church. Nokuti zvipatara zveFlorida isangano rakasangana nechechi, urongwa hwehutano hwaro huri pasi pemutemo weCOBRA.
Apo ndakarega basa rangu kushanda kuchipatara cheKaiser Permanente, ndaifanira kukodzera inshuwarhu yehutano yeCOBRA. Kaiser is a large, private sector, non-church related employer. Kaiser's health plan yaitungamirirwa nemutemo weCOBRA; yaifanira kundipa COBRA kuenderera mberi.
Ndiri Mufanisi Wakafanirwa Here?
Kuti uonekwe somunhu anobatsirwa, unofanirwa kuva inshuwo nehutano hwezuva nezuva zuva risati rasvika. Mukuwedzera, iwe unofanira kuva umwe wezvinotevera:
- Mushandi wemushandirwi anotsigira chirongwa chehutano.
- Mumwe wawakaroorana naye kana waimbova nemudzimai wevashandi ivavo.
- Munhu anovimba nevashandi ivavo.
- Mumiririri, mutungamiri, kana makambani akazvimirira asiri technically mushandi, asi iyo inopinda muurongwa hwehutano.
- Mune zvimwe zviitiko , unogona kukodzera kana iwe uri mushandi wekubata pamba, wawakaroorana nemudzimai, kana kuti mwana waanotora chikwereti uye iwe uri kurasikirwa nekuparidzirwa nokuti iwe waimbova mushandirwi ari kupera.
Ndine Chiitiko Chekufanirwa Here?
Izvo zvinokodzera sechiitiko chehupenyu zvinoenderana nokuti iwe uri mushandi kurasikirwa nekugoverwa, kana anovimba nemushandi iyeye. Zvichaitika muupenyu hwako zvichaita kuti iwe uwane ruzivo rweCOBRA kana iwe uri mushandi uye:
- Iwe unorambidzwa.
- Iwe unorega.
- Iwe unodzingwa, asi kwete mukusaremekedza kwakakomba kwakafanana nekuba kana kurwisa mukuru.
- Basa rako rinobviswa pane chimwe chikonzero.
- Iwe uchiri kushanda, asi maawa ako ari kuderedzwa zvichiita kuti iwe urasikirwe nehutano hwehutano inshuwarheni.
Zvichaitika muupenyu hwako zvichaita kuti iwe uwane kugoverwa kweCOBRA kana iwe uri wawakaroorana naye kana uchivimba nemushandi akavharidzirwa uye uri kurasikirwa nekuparidzirwa nokuti:
- Chimwe chezvinhu zvakataurwa pamusoro apa chakaitika kune mushandi.
- Mushandi ari kuve akakodzera kuMurengeti . Kana iyi ndiyo mamiriro ako ezvinhu, ona zvaunogona kuita mu " Kurasikirwa Nehutano Hwehutano Hwako Nokuti Wawakaroorana Naye Ari Kuwana Medicare? "
- Muranda akafa.
- Iwe uri kurambana kana kuparadzaniswa zviri pamutemo kubva kumushandi.
- Iwe uri munhu mukuru uye iwe uri kurasikirwa nehupenyu hwako hunotarisana nehutano hwehutano. Kana izvi zviri mamiriro ako ezvinhu, ona zvaunogona kuita mu " Ndine 26 & Kutora Mushonga Wemutano Wangu Mubereki Wangu. Chii Zvino? "
Utano Hwangu Hwezvipi Huzive Kugovera Me COBRA?
Kana iwe ukakodzerwa ne inshuwarhu yehutano yeCOBRA, haugoni kuwana chiziviso chekusarudzwa kweCOBRA kubva kurongwa hwako hwehutano kana hurongwa hwehutano husingazivi nezvehupenyu hwako-hunochinja huitiko. Mumwe munhu anofanira kutaurira chirongwa chehutano wehutano. Izvi zvinozivikanwa se "kupa chiitiko chinokodzera chiitiko."
Washandi achaudza chirongwa chako chehutano kana kurasikirwa kwako kwekugoverwa kunokonzerwa nekugumisa mushandi, rufu rwemushandi, mushandi weMedare unokodzera, kana kuderedzwa kwemaawa ekushanda kwebasa. Ndiro mutoro wako kutaurira hurongwa hwako hwehutano kana kurasikirwa kwako kugoverwa kunokonzerwa nekurambana, kuparadzana kwepamutemo, kana wechidiki-kurasikirwa nehupenyu huri pasi pegadziriro yemitemo.
Mune zvimwe zviitiko, unogona kuedzwa kuti urege kuona. Kana mushandi uye chirongwa chehutano usingazivi kuti iwe wakaparadzana zviri pamutemo, unogona kufunga kuti haufaniri kubhadhara mari yemishonga yehupfenyuro yehutano yeCOBRA. Iwe unongoramba uchingopfurikidza nekuroorana nemudzimai sekunge iwe uri murume nemudzimai vakaroora. Funga futi.
Unofanirwa kupa chiziviso chechiitiko chakakodzera panguva yakakodzera. Kusapa kupa chiitiko chakakodzera chimiro chekubiridzira; iwe uri kunyanya kuba yehutano inshuwalheni iyo iwe hausisina kukodzera. Mubhizimisi angangoda kubhadhara chikamu chemugove wayo wepurozimisi yemwedzi wepahosi yaunenge usisakwanisi kugamuchira. Urongwa hwehutano hunogona kubhadhara kubhadharwa kwehutano hwakabhadharwa iwe apo iwe wakanga uchigamuchira kuparidzirwa nekunyengera.
Izvozvo zvakati, haufaniri kupa chiziviso apo uri kurambana nekurambana, kana kuparadzana kwepamutemo kutongwa. Iwe hausi wemhosva yekupa chiziviso kusvikira kusangana kana kuparadzana kwepamutemo kuchiitika zvechokwadi.
Yakarongwa naLouise Norris.
> Sources:
> United States Department of Labor, FAQs pamusoro peCOBRA Kuenderera mberi Health Health. October 2016.