COBRA ndi Msonkho wa Inshuwalansi Pomwe Mumasiya Ntchito
Odziwika kuti ndiwothetsera mtengo wamtengo wapatali, nthawi yayitali, COBRA inali njira yokhayo yopezera chitsimikizo cha inshuwalansi pakati pa ntchito.
Kupeza ndondomeko yofanana kapena ya banja pamsika wogulitsidwa ntchito sizingatheke kapena sizingatheke kwa anthu ambiri. Izi zasintha ndi kudutsa kwa mtengo wodalirika Care Act (aka Obamacare).
Pansi pa Obamacare, boma la Health Insurance Marketplace limapatsa anthu njira yodzifunira nokha, kuti aone momwe mitengo yamakonzedwe kayekha komanso ya banja ikufananirana ndi COBRA ndikusankha chomwe chili chofunikira kwa inu. Kumbukirani, kusankha sikusakhalanso ndi inshuwalansi kudzera ku COBRA kapena kulibe inshuwalansi nkomwe. Kungokhala popanda kufotokoza sikungakhalenso njira. Ngakhale mutakhala pakati pa ntchito, ngati muli pakati pa inshuwalansi yowonjezera, mumakhala ndi chiwongoladzanja chabwino.
COBRA vs. Msika Pambuyo Pa Kuwonongeka kwa Ntchito
COBRA imaperekedwanso kwa antchito amene amachotsedwa kapena kuchotsedwa ntchito, koma masiku ano pali njira yowonjezera yowonjezera. Mukachoka kapena kutayika ntchito yanu, zenera zimatsegulira ku Bungwe la Health Insurance Marketplace, kumene mungagulitse zolinga m'dera lanu kapena dera lanu.
Kawirikawiri mukhoza kulembetsa inshuwalansi pa Marketplace pakati pa November 15 ndi February 15. Komabe, mutasiya ntchito kunja kwa nthawi yolembera, muli ndiwindo lanu lolembera masiku makumi asanu ndi limodzi kuti mugulitse ndi kulemba zolemba.
Ngakhale mutakonda ndondomeko yanu yamakono ndikusankha kutenga COBRA, zimabwereka ku Marketplace ndikuyerekezera ndalama.
COBRA kawirikawiri imakhala yotsika mtengo kwambiri, koma ingakhale yofanana kwambiri ndi malingaliro ena malingana ndi komwe mumakhala komanso momwe mumakhalira. Kumbukirani kuti kupyolera mu Government Marketplace, mukhoza kulandira ndalama zowonjezera ndalama zowonjezera ndalama, Kuwunikira kwa ana a Inshuwalansi ya Zaumoyo za Ana, kapena Medicaid yaulere kapena yochepa.
Kuti mupeze kufotokozera ndi mitengo m'dera lanu, mukhoza kupita ku healthcare.gov ndi kuyerekeza pa intaneti kapena kuitana 1-800-318-2596 ndi mafunso. Simungadziwe mtengo wambiri wokhudzana ndi umoyo wanu mpaka mutasanthula ndikupeza zomwe mungapeze.
Mmene Mungagwiritsire Ntchito COBRA ku Marketplace Plan
Ngati mutasankha kutenga COBRA tsopano, tsamba la Masitolo lidzatseka. Ngati mukufuna kugula zofunikira zanu m'tsogolomu, muyenera kuyembekezera nthawi yotsatira yolembera kuti mugule mapulani a Marketplace.
Mungathe kugwetsa COBRA nthawi iliyonse nthawi yolembera kuti mupeze ndalama zanu. Komabe, ngati si nthawi yolembera, muyenera kusunga chithandizo cha COBRA pokhapokha mutapeza inshuwalansi kudzera mwa abwana atsopano.
Ngati chithandizo chanu cha COBRA chitatha, muyenera kupeza inshuwalansi nokha. Ngati chithandizo chanu chikutha panthawi yomwe ili kunja kwa nthawi yolembera, tsamba la masiku 60 lokagula malo a Marketplace lidzatsegulidwanso kwa inu.
Osasankha: Kusasowa Kwachinsinsi
Kaya mumasankha kutenga COBRA kapena kugula mapulani a Marketplace, chithandizo cha thanzi ndichoyenera. Kusankha chithandizo cha thanzi sizowonjezereka, chifukwa cha zifukwa zambiri kuposa chimodzi.
Nkhani Zowonjezera: Mapindu Ogwira Ntchito Pamene Mukusiya Ntchito Yanu
Gwero: healthcare.gov