Information on Health Health Benefits for Workers
Dziwani zomwe mungasankhe kuti mutha kusankha mtundu wa inshuwalansi ya umoyo umene umagwira ntchito pazochitika zanu.
Inshuwalansi ya zaumoyo ya kampani
Ngati mwatayika, bwana wanu ayenera kuwonanso ubwino umene mungalandire mutachoka ntchito. Funsani abwana anu za kuyenerera kwanu kuti mupitirizebe kukhazikitsa dongosolo la thanzi la kampani kudzera mu malamulo a federal COBRA . Malingana ndi COBRA, ngati kampani imene mukuchokayi ili ndi antchito oposa 20, ndi lamulo lopereka chithandizo cha inshuwalansi kwa anthu osachepera miyezi 18. COBRA imagwira ntchito kwa ogwira ntchito omwe mwachangu kapena mwachangu kusiya ntchito zawo, kapena omwe amakhala pa kampani koma amalephera inshuwalansi (chifukwa cha kusintha kwa maola awo, mwachitsanzo).
Phindu la COBRA ndikuti mungathe kukhala pa inshuwalansi yathanzi, zomwe zikutanthauza kuti mungathe kuona madokotala omwewo omwe mwakhala nawo. Komabe, chokhumudwitsa ndi chakuti muyenera kulipira izi (kuphatikizapo malipiro ena otsogolera).
Kumbukirani kuti muli ndiwindo la masiku 60 lolembera ku COBRA mutasiya ntchito yanu, choncho yang'anani mwachangu.
Nthaŵi zina, olemba ntchito amapereka malipiro a nthawi yochepa monga gawo la phukusi lokhalitsa . Choncho, nkofunika kulankhula ndi abwana anu (kapena deta ya anthu anu) musanatuluke, kotero mumadziwa zomwe mungasankhe.
The Affordable Care Act
Pansi pa malamulo a federal omwe angakwanitse Care Act (Obamacare), antchito osagwiranso ntchito angapeze inshuwalansi ya umoyo kudzera mu Bungwe la Inshuwalansi ya Health Insurance.
Marketplace imapatsa anthu njira yogula inshuwalansi ya thanzi.
Kawirikawiri, anthu amafunika kugwiritsa ntchito inshuwalansi ya umoyo ku Marketplace nthawi yolembera. Komabe, ngati mutasiya ntchito kunja kwa nthawi yolembera, mumayenera kukhala ndi nthawi yolembetsa yapadera. Izi zikutanthauza kuti, mutasiya ntchito yanu, muli ndiwindo lolembetsa masiku makumi asanu ndi limodzi kuti mugulitse ndi kulembetsa ndondomeko ya umoyo ku Marketplace.
Zomwe inshuwalansi zaumoyo (ndi ndalama) zidzasiyana malinga ndi zomwe mumapeza komanso kukula kwa nyumba.
Yang'anani ndi Boma Lanu
Musanasankhe ndondomeko ya inshuwaransi, yang'anani ndi dipatimenti yanu ya inshuwalansi. Ena amati anthu amapempha inshuwalansi kudzera ku federal Marketplace, pamene mayiko ena ali ndi malonda a boma.
Ngati kufalitsa kulipo kudzera mu dziko lanu, mtengo wa kufotokozera (ndi kutha kutenga nawo gawo) kawirikawiri kumadalira ndalama zanu komanso chiwerengero cha anthu a m'banja mwanu.
Zowonjezereka Zolemba Inshuwalansi
Ngati mutaya ntchito kapena ngati simukugwira ntchito, pali zina zambiri zomwe mungachite kuti mupeze inshuwalansi ya umoyo. M'munsimu muli njira zina zomwe mungayang'ane:
- Medicaid imapereka inshuwalansi ya umoyo waufulu kapena wotsika kwa anthu ena pogwiritsa ntchito zinthu zina. Anthu omwe amalandira Mphindi Zothandizira Amayi Osauka (TANF), omwe amadziwikanso kuti athandizidwe, amadziwikiratu kuti azitha kulandira Medicaid. Anthu ena amatha kukhala oyenerera malinga ndi ndalama zawo komanso chuma chawo; Mwachitsanzo, anthu osauka kwambiri, amayi apakati, okalamba, anthu olumala, ndi ena akuyenerera. Pezani ngati muli woyenerera ku Medicaid.
- Pulogalamu ya Inshuwalansi ya Ana (CHIP) ndi ndondomeko ya inshuwalansi yaufulu kapena yotsika mtengo kwa ana omwe akuyenerera. Pezani ngati ana anu akuyenerera CHIP.
- Ngati muli ndi zaka 26 ndipo simukugwira ntchito, mukhoza kupeza ndondomeko ya inshuwalansi ya makolo anu. Ana oyenerera sayenera kukhala ophunzira a nthawi zonse kapena odalira.
- Makampani a inshuwalansi ndi bungwe la alumni a sukulu angapereke inshuwalansi yaying'ono mdziko lanu.
- Makampani, mabungwe ogulitsa, ndi mabungwe okhawo ogulitsa katundu monga BJ's Wholesale Club ndi Costco angaperekenso inshuwalansi zosiyanasiyana zaumoyo.
Malangizo Opeza Inshuwalansi Zaumoyo Pamene Simukugwira Ntchito
Palinso njira zina zothandizira inshuwalansi. Steve Trattner, Purezidenti ndi Chief Marketing Officer wa Cinergy Health, akugawana chithandizo cha inshuwalansi ya umoyo kwa ogwira ntchito osagwira ntchito:
- Lankhulani ndi abwana anu. Musanachoke kuntchito yanu, onetsetsani kuti mukuyankhula ndi abwana anu mwatsatanetsatane za zomwe mumapindula (kuphatikizapo inshuwalansi) kuti mudziwe ngati izi zidzatha. Lusoli lidzakuthandizani kupanga chisankho cha mtundu wanji wa inshuwalansi yomwe mukufuna.
- Yambani kuyamba kugula inshuwalansi mwamsanga . Inshuwalansi ndi yovuta, ndipo simukufuna kupanga chigamulo kapena chisankho chosaphunzira. Yambani mwamsanga kuti muthe kulingalira mozama kulingalira kwanu. Inunso simukufuna kuyamba kugula mochedwa, chifukwa mungathe kukhala osatonthozedwa kwa nthawi yochepa. Izi zikhoza kukhala zoopsa komanso zodula.
- Pewani kulipira chilango. Chifukwa china choti mugule inshuwalansi mwamsanga ndikuti muyenera kupereka malipiro kwa boma la federal (lomwe limatchedwanso "chilango," kapena "chilolezo cha munthu aliyense") ngati mulibe chomwe chikuyenera kukhala chithandizo choyenera cha thanzi. Kwa mwezi uliwonse mulibe inshuwalansi, mudzayenera kulipira. Pali malipiro malinga ndi momwe mumakhalira (kuphatikizapo phindu lanu), koma izi ndi chifukwa china chokhalira kupezeka popanda inshuwalansi kwa nthawi iliyonse.
- Khalani ndi chidziwitso chanu. Kaya mukufuna ku COBRA kapena kupita ku federal kapena State Marketplace, muyenera kudziwa zambiri. Onetsetsani kuti mumadziwa ndalama zanu komanso chiwerengero cha anthu omwe mumakhala nawo m'banja lanu. Mwinanso mungafunike nambala yanu ya Social Security, mauthenga a msonkho, ndi chidziwitso cha ndondomeko yanu yokhudzana ndi umoyo wathanzi.
- Ganizirani zosankha zaumoyo pogwiritsa ntchito zosowa zanu zaumwini (kapena banja). Mwachitsanzo, malingaliro a inshuwalansi azaumoyo angakulolereni kusankha chosankhidwa chokwanira, kunena $ 5,000, kuti mupeze mtengo wotsika mtengo kwambiri. Ndondomekoyi idzakupatsani chithandizo ngati mukukumana ndi zochitika zamankhwala zoopsya, koma simukuphimba zofunikira zanu zopezera thanzi. Palinso mapulani afupikitsa omwe amathera kumapeto kwa chaka cha 6 kapena 12 ndipo amadzipiritsa ndalama zochepa kusiyana ndi zikuluzikulu zamankhwala. Ganizilani za ndondomeko iti yomwe ingakuthandizeni kwambiri.
- Kusankha ndondomeko yosaphatikizapo zipatala zambiri zamatenda ndichinthu chotsitsa kuti muchepetse mitengo yanu. Pali njira zochepetsera ndalama zomwe zimakhala zochepa, zomwe zimapereka chithandizo cha zosowa zapafupi, monga maulendo achiwerewere ndi maulendo afupipafupi, osadulidwa.
Onaninso Zosankha
Ndikofunika kudziŵa kuti muli ndi nthawi yochepa yosankha pazomwe mungasamalire, yang'anani mosamala zomwe mungachite kuti mupitirize kufalitsa mwamsanga mutatha ntchito yanu. Pano pali zambiri zokhudza kuyesa inshuwalansi ya COBRA vs. Marketplace (Obamacare) .