Mō te ngaro o to inihua hauora hauora mahi? Te whakaaro ki te COBRA , engari kaore he pai ake, COBRA, Obamacare ranei? (Ko te ingoa o Obamacare tetahi atu ingoa mo te Ture Tiaki Paipai.) Ko te whakautu e whakawhirinaki ana ki to waahi, engari koinei te ahua o COBRA me Obamacare.
Te mahere hauora kotahi me tetahi mahere hauora rereke
Ina whiriwhiria e koe te COBRA, kei te utu koe ki te haere tonu i raro i te mahinga umanga hauora a te kaituku mahi kua tohua e koe.
E mohio ana koe me pehea e mahi ana, me te aha hoki e tatari ai. Ko te roopu ako anake e whai ana ko te ako i te wa me te pehea e utu ai a COBRA.
Mena ka whiriwhiria e koe tetahi mahere hauora a Obamacare mai i te utu o te inihua hauora o to rohe (kei waho atu ranei o te utu, kei reira nga mahere ko ACA-whaimana hoki), ka tukuna e koe to mahere tawhito, ka whai mahere hou koe hei whiriwhiri. Ka hoko koe i tetahi mahere i roto i te maakete takitahi, i te mea he hoariri ki te kaitohutohu a te kaituku mahi (he maha tonu te korero mo te kore-rōpū ki te rōpū). Na me maatau koe ki te ako ki te mohio ki te whakamahinga o to mahere hauora hou mehemea he rereke te mahere o te mahere mo o mua. Hei tauira, mehemea ko te mahere a to kaituku mahi ko te PPO engari ko te mahere hou a Obamacare he EPO , me marama ki a koe te rereketanga o te mea ka taea e koe te whakamahi maatau mahere hou.
Mena kei te haere tonu koe i to mahere mahere i raro i te COBRA, ka mohio koe ka uru mai to taakuta ki-whatunga no te mea kaore koe e whakarereke i to mahere hauora.
Mena ka whiriwhiria e koe tetahi mahere hou a Obamacare, me tino mohio koe kei te-whatunga a to taakuta me to mahere hou, kei te huri ranei koe i nga taote. Me tirohia e koe kei te hipokihia o raau o nga otaota motuhake i raro i taau mahere hou o te mahere hou, kei te utu pea koe mo a raatau-a-poaka.
He pono katoa tenei, ahakoa ko te mahere takitahi e whakaarohia ana e koe, ka tukuna e te kamupene inihua kotahi i whakarato i to mahere mahere kaituku.
Hei tauira, ko to kaiwhakawhiwhi he mahere e tukuna ana e te Blue Cross Blue Shield kaitiaki i roto i to rohe, a ka whakatau pea koe ki te huri ki tetahi mahere takitahi e tukuna ana e taua Blue Cross Blue Shield kaitiaki. Engari ko to mahere hou ka tino rere ke i to mahere tawhito. Ko nga painga, ko te whatunga kaiwhakarato, ko te rarangi tarukino taupoki, ko te ahua o te mahere (HMO, PPO, EPO, me etahi atu) -e taea enei katoa te rereke rereke i waenga i te maatau takitahi me te maakete tautoko a te kaituku mahi, ahakoa ka titiro koe te kamupene inihua ano.
Te utu i te Premium Premium vs. Te whiwhi i te Putea hei awhina ia koe ki te utu
Mena ka whiriwhiria e koe te kirimana o te COBRA, ka utua e koe te moni katoa o te marama mo taua keehi, me te 2% o te utu whakahaere (mahara tonu ko te moni tino moni te utu e utua ana e koe mo te wahanga e utua ana e to kaituku mahi, he nui te waahanga o te moni). Kaore he putea hei awhina ia koe ki te utu i nga utu a COBRA , me te utu nui.
Mena ka whakarerea e koe te COBRA me te hoko i to inihua hauora mai i to whakawhiti inihua hauora, ka taea pea e koe te uru ki te whakaheke i nga utu o te marama.
I tua atu, ka taea pea e koe te whakawhiwhinga moni ki te whakaheke i to painga-waho-iti ranei, ki te whakaiti ranei i to maatau tangohanga, tohatoha, me te taapiri . Ko enei waahi anake e wātea ana mo te inihua hauora kua hokona mai i roto i to kawanatanga hei utu mo te hauora hauora i roto i to kawanatanga (mehemea ka hokona e koe he mahere ACA i waho atu i te whakawhitinga, kaore e taea e koe te whakawhiwhi i tetahi tahua).
Ko enei o nga moni e pa ana ki runga i to moni. Ko te nui ake o to hua, ko te iti ake o to wawhina. Mena ka whiwhi koe i te rota, kaore pea koe e uru ki te tuku moni. Engari, ki te mea he rereke o taau moni whiwhi, ka pai pea koe mo te awhina.
He whai Tuarua ki te whiriwhiri
Mena ka taea e koe te COBRA , he wa poto noa koe ki te whakauru.
Kei te tīmata te karaka i te ra o te kaupapa whakaoho i whakauru koe ki te COBRA, hei tauira, te ra i whakarerea ai koe, i mahue atu ranei. Mena kaore koe e mahi i mua i te waahanga, ka ngaro koe i to tupono.Kaore koe e whai waahi tuarua.
Ki te ngaro koe i to umanga hauora mahi, ka tohua koe mo tetahi waahanga whakauru motuhake mo te tauhokohoko inihua hauora o to rohe (mo te mahere mahere takitahi e tukuna ana i waho o te whakawhiti, ki te mea ko to hiahia koe), ahakoa kei te wātea te COBRA. ki a koe. Ka rite ki te waitohu o te COBRA, ko tenei waitohu whakauru motuhake he wa poto. Engari, ki te ngaro koe i te wa mutunga, ka whai waahi tuarua koe ki te hainatanga mo te inihua hauora i runga i te whakawhitinga i te wa e tuwhera ai nga tau i nga tau tipu. Kaore he wa whakauru whakauru mo COBRA.
Tuhinga o te Taonga
Kaore e noho COBRA ki te wa roa. I hangaia hei kaupapa hei whakauru ia koe tae noa ki te waahi atu i etahi atu kaupapa. I runga i te ahua o te kaupapa whakaoho i taea ai e koe mo COBRA, ka noho to COBRA mai i te 18 ki te 36 marama. I muri i tera, me kimi atu koe i tetahi atu inihua hauora.
Ka taea e koe te haina mo te mahere a Obamacare (mahere takitahi) mo te tau maramataka (i runga ranei i te utu ). Ki te haina koe i te wa o te waitohu whakauru motuhake, ka taea e koe te huri ki tetahi mahere hou i roto i te waahanga whakauru tau e whai ake nei. Mena kei te hiahia koe ki te haere tonu i to mahere hou mo te tau neke atu i te tau, kei te haere tonutia mai e te kaiwhaiwhai, ka taea e koe te whakahou. Mena ka mutu te mahere, ka taea e koe te haina mo tetahi mahere rereke i runga i to whakawhitinga, i te taha tika ranei ki tetahi kaiwhakarato hauora mēnā ka hiahia koe ki te whakawhiti-whakawhitinga utu (mahara kaore e wātea ana nga moni tautoko ki te hoko i tetahi mahere i waho atu i te whakawhiti).
Ko te Waawhiwhi Whakaaetanga Moni Tuatahi
Kaore e taea e COBRA te whakaaetanga tuarua. Mena kua pahure koe mo te utu moni tuatahi, ka ngaro koe i to tika ki te COBRA kaore e taea e koe te whakahoki. Mena kua paahitia koe i runga i te utu moni marama i tua atu i to utu tuatahi, ka whakakorehia to riihi hauora i taua ra. Mena ka tukuna e koe te utu i roto i nga ra 30 aroha noa, ka taea te whakatika i to COBRA. Heoi, ki te kore e utua e koe i roto i te wa manakohanga, kaore e taea e koe te whakahoki mai i to CVRA hauora hauora.
Mena ka tupu tenei ki a koe, ka paa tonu koe. Ko te ngaro o to mahi COBRA na te kore e utu i to utu kaore koe e uru ki te waa whakauru motuhake mo te utu o te inihua hauora o to rohe, i waho atu ranei o te utu. Me tatari koe ki te whakatuwheratanga o te ngahuru (Nama 1 ki te 15 o Tihema 15 i roto i te nuinga o nga kawanatanga) ki te whakauru ki roto i te mahere Obamacare; ka tupono koe kaore i whakaurua i tenei wa.
Ahakoa ko nga kaitohu e hoko ana i te inihua hauora i runga i to kaaunga hauora hauora o te rohe e hiahia ana kia utua i te wa i ia marama, ko te waa aroha mo nga utu mo te mutunga o te utu ka roa atu i te COBRA mo etahi tangata. Ko te Ture Tiaki Paipai ka whakaaetia he waa atawhai mo te 30-ra mo nga utu mo nga mahinga hauora katoa e hokona ana i runga i nga whakawhitinga. Engari ka whakawhitia atu tenei ki te 90 nga ra ki te whiwhi koe i te tahua inihua hauora (ahakoa ka utua katoatia e koe i te mutunga o nga ra 90; kaore e whakaaetia koe kia toru marama i muri i au utu).
Ko hai Ko e Kulupu Pule?
Ko nga mahere COBRA me te inihua hauora mahi e whakahaerea ana e te Tari o Reipa. Mena he raruraru nui taau ki to mahere COBRA, i muri i te whai i nga mahinga a te mahere me nga tukanga amuamu, ka mutu pea te mahi ki te Tari o Reipa i te ngana ki te whakatau i te take.
Ko nga mahere hauora e hokona ana i runga i to kaaunga hauora hauora o to rohe ka whakatauhia e ia ahuatanga. Mena he raruraru nui ki a koe mo to mahere hauora-whakawhitiwhiti, i muri i te whai i nga tukanga a te mahere me nga tukanga amuamu, ka mutu pea koe ki te whakahaere i te Tari Tari Inihana a te Tari o te Insurance, o te Komihana Inoi ranei hei whakatau i te take.
> Mahinga:
Tuhinga o Reipa. Ngā Mahere Hauora me nga Hua: Te Whakaaetanga o te Hauora Hauora - COBRA.
> Te Kaunihera a Kaiser Family. 2017 Kaitohutohu Hauora Kaimahi Hauora. Mahuru 19, 2017.