Ki te hiahia koe ki te panoni i roto i to oranga, te whakamahere mo te inihua hauora i muri i taua huringa ko tetahi waahanga nui o te pupuri i to haumaru moni me to hauora. Ko te huarahi rongonui ki te whiwhi inihua hauora i muri i te kaupapa nui o te ora ko te haere tonu i to umanga hauora tautoko a te kaituku mahi me te whakamahi i te COBRA .
Mena ka whiwhi koe i te wehenga, ka mate pouaru, ka mate ranei, ka ngaro ranei i to mahi, ka ngaro atu to maatau inihua hauora i te wa ka kaha ake o raatau mahi.
Mena kei te riri koe ki te kimi i tetahi mahi hou, neke, ako ki te oranga me te kore hoa, te katoa o aua mea i te wa kotahi, ma te whiriwhiri i tetahi mahere hauora hou i roto i te maatau takitahi ka taea te kaha (kia marama, te whiriwhiri i tetahi mahere hou kaore i te mea uaua kia penei pea, me tino hiahia koe ki te whakarite i nga mahere mahere takitahi me te COBRA e tuku ana ki a koe. Engari i etahi wa, ko te haere tonu o to rohe ki te COBRA hei whiriwhiri pai).
I te taha o COBRA, kaore koe e kii i tetahi mahere hou. Kei te haere tonu koe i te kaitautoko kaituku mahi-kei a koe inaianei. Kaore i kitea he taakuta hou no te mea ehara i to-ta-whatunga to taakuta o mua me to mahere hauora hou. Kaore e whakawhiti ana i nga tuhinga hauora, i nga whakaritenga. Ka taea e koe te haere tonu i to umanga hauora o naianei mo te 18 ki te 36 marama (i runga i nga waahanga), he wa roa ki te hoki mai i ou waewae me te hanga mahere hou.
Engari, kaore e whakaaetia kia whakamahia e te katoa te ture COBRA kia haere tonu to ratou inihua hauora.
Ma te mohio mehemea e tika ana koe mo te inihua hauora COBRA, ka awhina koe ki te whakamahere mo tetahi ra kei te haumaru.
Kia taea ai e koe te COBRA, me whakamana e koe nga tikanga e toru o nga whakaritenga e whai ake nei:
- Ko to mahere hauora o naianei me waiho i raro i te ture COBRA . Ehara i te mahere hauora katoa.
- Me whakaaro koe he kaiwhiwhi tika mo to mahere hauora o naianei.
- Me whai tohu angitu koe .
Ko taku Insurance Insurance ki te COBRA?
Ehara i te mahere hauora katoa te tuku i te kirimana a COBRA. Ka mahere to mahere ki te mea he mahere roopu e whakawhiwhia ana ki tetahi kaitumahi tari-kore me te 20 kaimahi mahi waatea. Ko te COBRA hoki e pa ana ki te nuinga o nga mahere hauora a te kawanatanga me te rohe.
Kaore koe e uru ki te COBRA mehemea kaore he mahere hauora e haere tonu no te mea kua pakaruhia te kaitoke o to kaituku mahi. I tua atu, kaore te COBRA e tono ki nga mahere hauora e tukuna ana e te kawanatanga o te kawanatanga, i nga hahi, i etahi atu whakahaere a te hahi.
Hei tauira, i taku waitohu mai i taku mahi whakaihiihi me Florida Hospitals, kihai ahau i uru ki te inihua hauora COBRA. Kihai tenei i whai ki a au; no te mea ko toku kaituku o mua, Florida Hospitals, he wāhanga o Adventist Healthcare, he whakahaere whakahaere e te Seventh Day Adventist Church. No te mea ko Florida Hospitals he whakahaere karakia, kaore tana kaupapa mahere hauora i raro i te ture COBRA.
I te wa i mutu ai taku mahi i te hohipera a Kaiser Permanente, i taea e au mo te umanga hauora COBRA. Ko te Kaari he roopu nui, pokapaki-kore, he kaituku mahi kore-hahi. Ko te whakamahere hauora a Kaiser i raro i te ture COBRA; me tuku mai ki a au te kirimana o te COBRA.
He Kaihauturu Tika ahau?
Ki te whakaarohia hei kaiwhiwhi whai mana, me whakamana koe e te mahere hauora i te ra i mua i te whakatutukitanga o te kaupapa whakauru. I tua atu, me uru koe ki tetahi o nga mea e whai ake nei:
- Ko te kaimahi o te kaituku mahi e tautoko ana i te mahere hauora.
- He hoa faaipoipo, he hoa tawhito ranei o taua kaimahi.
- He kaitiaki o taua kaimahi.
- He kaihoko, he kaiwhakahaere, he kaitono kirimana motuhake ranei ehara i te mea hangarau , engari e uru ana ki te mahere hauora.
- I etahi wa , ka taea e koe ki te kii koe he kaimahi reti, he hoa mo te retireti, he tamaiti whakawhirinaki o te retireti, ka ngaro koe i te taatai, no te mea kei te haere te kaitukumahi o mua.
He Tiwhikete Tohu Tohu ahau?
Ko te mea e tika ana hei kaupapa mo te oranga ka whakawhiwhia ki a koe ko te kaimahi e ngaro ana i te rohe, te kaitiaki ranei o taua kaimahi. Ka tohatoha koe i to kaupapa-ora mo te COBRA mehemea he kaimahi koe :
- Kua maka koe.
- Kua mutu koe.
- Kua werohia koe, engari kaua mo te mahi kino kino pera me te tahae, me te patu i te rangatira.
- Kua mutu to mahi mo tetahi atu take.
- Kei te mahi tonu koe, engari kua whakahekehia o haora mo te ngaro o to huahua inihua hauora.
Ka tohatoha koe i to kaupapa-ora mo te COBRA mehemea he hoa koe, he kaitiaki ranei o te kaimahi kua hipokina, kei te ngaro koe i te taatai:
- Ko tetahi o nga mea i runga ake i pa ki te kaimahi.
- Ko te kaimahi kei te tiwhikete mo Medicare . Mena koinei to waahitanga, kitea nga whiringa i roto i "Te Hinga I to Rangahau Hauora Na te mea kei te mate to hoa? "
- I mate te kaimahi.
- Kei te wehe koe, ka wehe ke ranei i te kaimahi.
- He taitamariki pakeke koe, a kei te ngaro koe i to mana ki te mahere hauora. Mena koinei to ahuatanga, kitea nga waahanga i roto i " Ko taku 26, me te Kino Miihia te Paanga Hauora a toku Matua. He aha inaianei? "
He pehea te mahere mo toku hauora ki te tuku mai ki a au COBRA?
Mena ka taea e koe te tiwhikete hauora COBRA, kaore koe e whiwhi i tetahi panui pōti COBRA mai i to mahere hauora ki te kore te mahere hauora e mohio ana ki to kaupapa whakarereke-ora. Me korero tetahi ki te kaiwhakahaere mahere hauora. Kei te mohiotia tenei ko "te whakaatu tohu whaimana."
Ma te kaituku mahi e korero ki to mahere hauora mehemea ko te mate o te kaute ka mutu te mahi a te kaimahi, te mate o te kaimahi, te utu kaimahi Medicare, te whakaiti ranei o nga haora mahi kaimahi. Ko to kawenga koe ki te korero i to mahere hauora mehemea kaore he raruraru o to korero mo te whakarere, wehewehe ture, ranei mo te taitamariki-pakeke e ngaro ana i te mana i raro i nga tikanga mahere.
I etahi wa, ka whakamatautauria koe ki te tarai i te panui. Mena kaore e mohio ana te kaituku mahi me te mahere hauora kei te wehea koe i te ture, ka whakaaro pea koe kaore koe e utu i nga utu inihua hauora COBRA. Me haere noa koe ki te noho tawhito me te mea he hoa faaipoipo koe. Whakaaro ano.
Kei te hiahiatia koe ki te tuku i te panui tohu whaimana i te wa e tika ana. Ehara i te whakaatu i te tohu whakaari tohu he momo tinihanga; Kei te tahae koe i te tahua umanga hauora e kore e taea e koe. Ka ahei te kaituku mahi ki te tono utu mo tona wahanga o nga utu o te marama e utua ana mo te rohe kaore i taea e koe te whiwhi. Ko te mahere hauora e hiahia ana kia utua ano mo te hauora hauora i utua mo a koe e whiwhi ana i nga korero tinihanga.
Ko tena, kaore e hiahia ana koe ki te tuku korero i a koe e haere ana i roto i te whakarere, me nga mahi wehewehe ture. Kaore koe e kii ki te tuku korero kia tae noa ki te wehe o te wehewehe me te wehewehe ture ranei.
Whakahoutia e Louise Norris.
> Mahinga:
> Te Tari Mahi a te United States, FAQs mo te COBRA Continuing Health Coverage. Oketopa 2016.