Kana uri kushandisa inshuwarhu yehutano yeCOBRA, mukana wakawana kurambana, wakarasikirwa nebasa rako , kana wako wako wakafa. Zvose zvezviitiko izvi zvinogona kuita kuti mari yako isakundikana uye mabhiriro ako akaoma kudarika nguva yakawanda kubhadhara. Saizvozvowo, kushungurudzika kwemamiriro ezvinhu aya kunogona kuita kuti iwe usangotadza kurasikirwa nemashoko ari apa kana ipapo.
Kunyange zvazvo nguva yakatarwa yokubhadhara premium yako yehutano yemainishuwarenzi ndeyezvakaipa zvakajeka kukanganwa, iwe hausi munhu wokutanga kunonoka kubhadhara premium yako yeCOBRA.
Migumisiro yekukurumidza kubhadhara COBRA inogona kubva pane chimwe chekutambudza kurasa zvachose kuparidzira kwako COBRA. Chinoitika mumamiriro ako ezvinhu chinoenderana nokuti iwe wakanonoka kubhadhara yako premium COBRA premium kubhadhara kana nguva yekubhadhara kwekuenderera mberi kweCOBRA.
Kuteerera Kubhadhara Pakutanga COBRA Premium
Yako Chekutanga COBRA premium inofanirwa kubhadharwa mukati memazuva makumi mashanu kubva panguva yaunosarudza kuparidzira kweCOBRA. Wako COBRA mutungamiri achaongorora musi weziso rako reCOBRA rekusarudzwa rakasarudzwa kuva musi waunosarudza COBRA. Izvozvo zvinotarisa zvinogadzirisa zuva remazuva makumi mashanu nemakumi mashanu.
Iyi yekubhadharwa kwekutanga kweCOBRA premium ichave yakakura kudarika inotevera kubhadhara kwemwedzi sezvo inowanzovhara mwedzi inopfuura mwedzi yehutano inshuwarheni yekuvhara. Itai mari yakakwana kuti mupe mihora yenyu kubva pazuva rawakarasikirwa nekugadzirisa nekuda kwechiitiko chako cheCOBRA-kukodzera kuburikidza negore rawakasarudza kuparidzirwa kweCOBRA.
Somuenzaniso, kana ukarasa kurasikirwa musi waMay 1 uye kutumira fomu yako yeCOBRA yesarudzo musi waJune 15, premium yako yokutanga inofanira kubhadharwa mumazuva makumi mashanu eJune 15.
Iwe unofanirwa kuisa mari yakakwana yekuvhara inshuwarisi yako yeCOBRA kubva paMay 1 kusvika June 15.
Hapana nguva yenyasha kana iwe uri kunonoka kubhadhara yako yekutanga COBRA premium kubhadhara. Kana iyo isingabhadharwi panguva, iwe unorasikirwa nekodzero yako yekugoverwa kweCOBRA; iwe unofanirwa kuwana humwe hutano hwehutano hwehutano kana iwe uchange usina uninsured .
Zuva Rokubhadhara Kubhadhara Chirongwa cheCOBRA Chine Utano Huripo
Kunyange zvazvo kubhadharwa kwepayimari kwekuenderera mberi kweCOBRA inofanirwa kubhadharwa nezuva iro chirongwa chinotaura kuti chakakodzera, iwe une zvishoma zvishoma kushanduka pane zvawakaita nekubhadhara kwako kwekutanga kweCOBRA. Pane mazuva mashoma makumi matatu nemakumi matatu ekunakirwa kwekutanga kwekubhadhara. Kana iwe usingakwanisi kubhadhara mari yako yepamusoro kana panguva kana mukati mezuva remazuva makumi matatu, nyasha yako inogona kubviswa zvachose.
Chii chinoitika kana iwe ukaita kubhadharwa kwako kwemazuva ekupedzisira, asi uchiri mukati mezuva remazuva makumi matatu? Kugoverwa kwako kuchave kwakabviswa, asi iwe unogona kuitora .
Kana hurongwa hwako hwehutano husina kugamuchira chikwereti chako nezuva rakakodzera, ine kodzero yekuregesa kugoverwa kwako musi wekutanga wekuvhara nguva. Zvisinei, inofanira kudzorerazve kugovera kwako kana iwe uchiita mubhadharo wako mukati mezuva remazuva makumi matatu. Kuparidzirwa kwakadzorerwa kuchadzoka zvakare kune zuva rokutanga rekuvhara nguva.
An Example
Ngatiti iwe wakanga uri paCOBRA kuenderera mberi kwehutano hwehutano kwemwedzi 6. Urongwa hwenyu hwehutano hunogadzirisa May 25 sezuva rakakodzera rebhadharo yenyu yekugoverwa kubva munaJune 1 kusvika kuJune 30. Unopotsa musi wa25 May. Utano hwehutano hwehutano huri kubviswa paJune 1 st .
Iwe unobvarura chiuno chako musi waJune 10 uye unotora chikwereti chemukana wekukurumidzira kwe $ 4,000.
Musi waJune 15, iwe unobvumirana nehofisi yepahofisi pamabhondi, tumira tsamba yako yekupedzisira yeCOBRA kubhadhara zvakanaka mukati mezuva remazuva makumi matatu emutsa. Kambani yako yveshuwarhu yehutano inofanira kudzorerazve kugovera kwako. Iko kugoverwa kunodzokazve kuJune 1.
Mazuva mashomanana mushure mokutumira kubhadharwa kwako kweKOBRA kwakaderera, unowana bhiri rinobva munharaunda yekukurumidzira richiti iwe unokwereta $ 4,000. Nzvimbo yekukurumidzira billing clerk inoti kuda kwako kwakarambwa nokuti inshuwarisi yehutano yakange isiri iyo musi wawakagamuchira kutarisirwa.
Iwe unotsanangura kuti iwe wakabhadhara COBRA yako premium nguva, asi mukati mezvese nguva, uye kuti inshuwarhu yehutano yeCOBRA yako yakadzoserwa nehuwandu hwekugadzirisa zvakare kuJune 1.
Iwe unomukumbira kuti ape mvumo kune inshuwarisi zvakare. Panguva ino, inishuwarenzi yako yehutano inopa chikamu cheyo chikwereti, ichikusiya iwe kubhadhara yako deductible uye coinsurance .
Dai iwe wakanga wakamirira kusvikira muna 26 Gumiguru kuti uite mari yako yekupedzisira yeCOBRA kubhadhara, iwe ungadai wakapfuura mazuva makumi matatu ezuva nyasha uye kugoverwa kwako kweCOBRA kwaizobviswa zvachose. Iwe unenge usingaverengeki, uye iwe unenge usina kana rubatsiro kubhadhara iyo ER bill. Zuva remakore makumi matatu nemakumi matatu dzenyasha dzinotaridzwa kubva pamutengo wekutanga kwezuva, kwete kubva pakutanga kwekuvhara nguva.
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Sources
Inowanzobvunzwa Mibvunzo: COBRA Continuation Health Coverage, United States Department of Labor. http://www.dol.gov/ebsa//faqs/faq_compliance_cobra.html
Murayiridzi weVashandi weKutsvaga Kuenderera mberi kwehutano hwehutano pasi peCOBRA - The Consolidated Omnibus Budget Reconciliation Act ya1986, Dhipatimendi reUnited States rekushanda, Bhizimisi Rinobatsira Kuchengetedzwa. http://www.dol.gov/ebsa/pdf/cobraemployer.pdf