Nei Ndichida Utano Inishuwarenzi?
Zvakakosha kuwana inshuwarano yehutano iwe uye nhengo dzemhuri yako yepedyo. Inishuwarenzi inobatsira kukudzivirira kubva kune zvakakosha zvekuchengetedza utano, kunyanya izvo zvakabatana nehutano husingaperi kana kudiwa kwekurapwa.
Iwe unofanirwa kuwana inshuwarhu yehutano nekuda kwechikonzero chimwechete chaunayo motokari yemainishuwarenzi kana vashandi vemunishuwarenzi - kuchengetedza mari yako uye mari yako .
Asi iwe unodawo hutano yveshuwarisi kuti uone kuti iwe uchave nekukwanisa kubhadhara mari yepamusoro kana iwe uchida. Kune zvipatara zvinogamuchira Medicare (izvo zvipatara zvakawanda), mutemo wezvematongerwo enyika unoda kuti vaongorore uye vagadzirise chero munhu anoratidza pane zvavanosangana nazvo, zvinosanganisira mukadzi ari mubasa rakaoma. Asi kunze kwekuongorora uye kugadzikana mune dhipatimendi rekukurumidzira, hapana chikonzero chokuti zvipatara zvichengetedze vanhu hazvikwanisi kuripa. Saka kushaiwa kwehutano inshuwarisi kunogona kuguma kuva chinhu chinopinganidza kugamuchira kutarisirwa.
Ndinowana sei Inishuwarenzi yehutano?
Zvichienderana nezera rako, chimiro chebasa, uye mari yemamiriro ezvinhu, pane nzira dzakawanda dzokuti iwe unogona kuwana inshuwarisi yehutano, kusanganisira:
- Inishuwarenzi yehutano inopiwa neanoshandira. Makambani makuru muUnited States anodiwa kuti apiwe mari yehutano inshuwarisi yakakwana sevashandi vanobatsirwa, uye vazhinji vashandi vaduku vanopawo kugoverwa kuvashandi vavo. Iwe unogona kunge uchida kubhadhara chikamu chemari yemwedzi wepamwedzi , kana mari ye inshuwarisi yehutano, zvikurukuru kana ukawedzera mhuri yako kurongwa hwako.
- Inishuwarenzi yehutano yaunotenga iwe pachako. Kana iwe uri wekuzvishanda kana kushanda kwekambani duku isingapei inshuwarisi yehutano, iwe unoda kuzvitenga uri woga. Iwe unogona kuitora kuburikidza nehutano hwehutano inshuwarheni muhutano hwako, kana zvakananga kubva kune kambani yveshuwarenzi, asi mari yepayimusi (kubvisa mari yaunofanira kubhadhara nokuda kwekugoverwa kwako) uye rubatsiro rwekugoverana mari (kubvisa mari yaunofanira kuripa apo iwe unoda kurapwa) inongowanikwa chete kana iwe ukawana kugoverwa kwako kuburikidza nekutsinhanisa.
- Inishuwarenzi yehutano inopiwa nehurumende. Kana iwe uri 65 kana kupfuura, wakagadzikana, kana uine zvishoma kana usina mari, iwe unokwanisa kukodzera inshuwarhu yehutano inobhadharwa nehurumende, yakadai seMedare and Medicaid .
Kana usina uine inshuwarhu yehutano kana inshuwarisi yehutano isiri yakakwana, iwe uchava nemhosva yekubhadhara zvikwereti zvako zvose zvehutano. Murwere Anodzivirirwa uye Anogadziriswa Care Care Act (ACA), iyo yakagadzwa muna March 2010, inovimbisa kuti vazhinji veAmerica vane ruzivo rwehutano hwehutano hwehutano.
Kune zvimwe zvisizvo kune izvozvo, zvisinei. Zvimwe zvinokonzerwa nezvakakanganisika muAACA, kusanganisira kubwinya kwemhuri uye kuti rubatsiro rwemari yepayimusi inotapudzwa pa400 muzana yehurombo hunoita, zvichiita kuti vanhu vasina mari vawane mari yekuti vapiwe mari shoma shoma. Asi zvimwe zvikonzero zvemitemo, matare edzimhosva, uye kushora kuAACA, kusanganisira chirango cheMedicaid chekupararira chiripo mune zvikamu gumi nematanhatu zvakaramba kubvuma mari yezvemari yekuwedzera Medicaid.
Ndinosarudza Sei Hurongwa Hwehutano?
Pane zvinhu zvakawanda zvinofanira kuonekwa paunosarudza utano hwehutano. Izvi zvinogona kunge zvakasiyana kana uri kusarudza imwe yevashandi vezvirongwa zvehutano hwehutano kana kutenga yako yehutano inshuwarisi.
Ita basa rako rechikoro usati watenga chero yveshuwarisi yehutano! Iva nechokwadi chokuti iwe unoziva kuti hurongwa hwehutano hwehutano hupi huchabhadhara ... uye izvo zvisingagone.
Mushandi-Apihwa Health Health Insurance
Kana wako waunoshandira achipa utano hwehutano inshumo, unogona kukwanisa kusarudza pakati pezvirongwa zvehutano hwehutano. Kazhinji kacho, zvirongwa izvi zvinosanganisira chirongwa chinotarisirwa kuchengetedza , zvakadai sangano rekuchengetedza utano (HMO) kana sangano rinoda kupiwa (PPO). Kana ukasarudza HMO, urongwa huchabhadhara chete kutarisira kana iwe ukashandisa chiremba kana chipatara mumutambo weurongwa iwoyo. Kana ukasarudza PPO, chirongwa ichi chinowanzobhadhara zvakanyanya kana ukawana utano hwako mukati meurongwa hwepurogiramu.
IPPO icharamba ichibhadhara chikamu chekutarisira kwako kana uchienda panze kunotengesa, asi iwe unofanira kubhadhara zvakawanda.
Washandi wako angapa zvirongwa zvakasiyana-siyana zvehutano zvinodhura zvakawanda kana zvishoma zvichienderana nehuwandu hwekunze kwehomwe mari yaunayo gore negore. Izvi zvinosanganisira kubhadhara mari imwe nguva paunoona chiremba wako kana kuwana mishonga yakazadza pamwe chete nekuderedzwa kwegore negore , iyo ndiyo mari yaunobhadharwa yehutano hwehutano pakutanga kwegore roga roga kusati kwasvika inshuwarisi yehutano.
Munawo wose, chirongwa chinoda kuti iwe ushandise muterevhiti, unobhadhara zvakanyanya, uye zvikwereti zvepamusoro zvichave nezvikwereti zvishoma. Chirongwa chinokubvumira kuti ushandise chero upi zvake anopa mupiro, ane zviduku zviduku, uye pasi pepaipayiniti ichava nezvikwereti zvakakwirira.
Kana iwe uri muduku, usava nechirwere chisingaperi, uye utungamirire mararamiro ane hutano, unogona kufunga kusarudza hurongwa hwehutano hwakakonzerwa zvakanyanya uye zvikwereti, sezvo iwe zvisingaiti iwe unoda kutarisirwa uye miriyamisi yako yemwedzi inogona kunge iri shoma.
Kana iwe wakwegura uye / kana kuti uine chirwere chisingaperi, chakadai seshuga, izvo zvinoda kuti vanachiremba vanoshanyira uye mishonga yemishonga, iwe unogona kufunga chirongwa chehutano nebhasi rakaderedzwa uye zvikwereti. Iwe unogona kubhadhara mwedzi wega wega wega wega yako yemugovera, asi izvi zvinogona kukanganiswa nemari shoma shoma gore rose. Dzvinha nhamba kuti uone kuti ungatarisirwa kubhadhara mari yakawanda sei kunze kwekushandisa mari (teererai kuwanda kwezvipo pano, kana iwe uchifunga kuti uchange uchitsvaga kurapwa kwakawanda), uye kuwedzera izvozvo kune zvikwereti zvakakwana zvekuti iwe uenzanise zvirongwa zvakawanda. Iwe hausi kuda kungofunga kuti chirongwa chinodhura (kana, zvichienderana nemamiriro ezvinhu, chirongwa chisingabhadhari) chichashanda zviri nani.
Kuti udzidze zvakawanda pamusoro pezvirongwa zvako zvehutano, sangana nemumiriri wehurumende yako yehupfumi kana kuverenga zvinhu zvakapiwa neurongwa hwehutano. Kana iwe nomudzimai wako / mukaroorana munoshanda kumakambani anopa hutano inshuwarheni, unofanira kufananidza zvinowanikwa nekambani imwe neimwe uye sarudza chirongwa kubva kune imwe kambani inosangana nezvido zvako. Ziva, zvisinei, kuti mamwe makambani anosanganisira mari yakawanda kana mumwe wako aine ruzivo rwerongwa hwemushandi wake asi akasarudza kuwedzerwa pane chirongwa chako pane. Heano zvakanyanya nezve ins uye kubuda kwehutano inshuwarisi kune vakaroorana .
Individual Health Insurance
Kana iwe uri wekushanda, mushandirwi wako haapi kupa inshuwarisi yehutano yakakwana, kana iwe hauna uninsured uye hauna kukodzera hurumende yehutano yehutano yehutano, unogona kutenga inshuwarano yehutano iwe pachako.
Iwe unogona kutenga inshuwarano yehutano zvakananga kubva kune imwe yehutano yekambisi yehutano inshuwarheni, yakadai seAnthem kana Kaiser Permanente, kuburikidza nemugovereri weinishuwarenzi uyo anomiririra kambani ye inshuwarisi, kana kuburikidza nemushuwarisi hwehutano hwehutano munyika yako Tsvaga nomuridziri wako weinishuwarenzi uyo angakwanisa kukubatsira kuti uwane inshuwarano yehutano inokodzera zvaunoda.
Sezvo mari yakawanda inowanzokosha pane imwe nguva pakusarudza hurongwa hwehutano, mhinduro dzako kumibvunzo inotevera dzinogona kukubatsira kusarudza hurongwa hupi hwokutenga.
- Mari inowanikwa pamwedzi yakawanda sei (mushure mekunge inobhadhara premium rubatsiro, kana iwe uchikodzera kune imwe.) Muna 2018, rubatsiro runowanikwa kune vanhu vanowana $ 48,240, uye kune mhuri yevashanu vanobhadhara kusvika $ 115,120).
- Ndingafanira sei kubhadhara mari yakawanda sei chirongwa chehutano chichikwira?
- Ko copay yakawanda yekushanyira chiremba uye mishonga yemishonga?
- Kana ndikasarudza PPO , ndingada sei kubhadhara kana ndikashandisa vanachiremba kana zvipatara kunze kwePPO's network?
- Ndeipi iyo yandinofanira kuibhadhara kunze kwep-pocket mari kana ini ndopedzisira ndichinyanya kutarisirwa? Izvi zvakatorwa pazvirongwa zvose zveAACA-zvinoenderana ne $ 7,350 kune munhu mumwe chete muna 2018 .
- Iro chirongwa chehutano ine chirongwa chechirongwa chemishonga chinosanganisira mishonga yandinoshandisa here?
- Ndiko chiremba wangu mune chirongwa chehutano wekupa nhare?
Chenjerera Pasinga-ACA-Mazano Anogamuchirika
Zvose zvirongwa zvehutano hwehutano hwehutano nemazuva anobudirira munaJanuary 2014 kana kuti gare gare zvinodiwa kuti zvienderane neAACA. Izvi zvinoshanda munharaunda dzose, uye zvinoshanda kune zvirongwa zvinotengeswa mukati memashandisirwo pamwe chete nezvirongwa zvakatengwa zvakananga kubva kune yehutano inshuwarisi makambani.
Asi pane zvakawanda zvezvirongwa zvekugadzirisa izvo zvisiri ACA-zvinoenderana. Uye dzimwe nguva zvirongwa izvi zvinotengeswa nemaitiro asina mubvunzo, zvichiita vatengi kuti vatende kuti vari kutenga chaiyo yehutano inshuwarisi, kana ivo vasiri ivo.
Kana uri kutarisa purogiramu dzenguva pfupi , zvishoma zvigadziriswa zvirongwa, njodzi yekuwedzera, zvirongwa zvinorwara zvirwere, zvirongwa zvekurapa zvirongwa, kana chironga chipi zvacho chisina kukodzera, iwe unoda kubhadhara zvakanyanya kunyatsodhindwa, uye ona kuti unonzwisisa zvauri kutenga. Ngwarira kuti zvirongwa izvi hazvifaniri kuvhara mazano eAIDS ekukosha kwehutano, haufaniri kuvhara mamiriro ezvinhu akambovapo, unogona kuderedza zvikwereti zvako zvose mugore rimwe kana kupfuura kwehupenyu hwako, uye kazhinji ane runyararo rurefu rwekugoverwa kusingawaniki .
> Sources:
> Centers for Medicare neMedicaid Services. Emergency Medical Treatment uye Labor Act.
> Mhuri USA. Federal Poverty Guidelines for Determination Eligibility for Medicaid, CHIP, uye Subsidies muChirangaridzo.