I-COBRA vs. Umshwalense Wezimakethe Uma Ulahlekelwa Umsebenzi
Eyaziwa ngokuba yisisombululo esibizayo, esifushane, i-COBRA yikhe yodwa okukhethwa kukho ukumboza i-gap yomshuwalense wezempilo phakathi kwemisebenzi.
Ukuthola izinqubomgomo zomuntu siqu noma zomndeni emakethe evulekile okusetshenziselwa ukungenakwenzeka noma ukufinyeleleka kubantu abaningi. Lokho kushintshile ngokudlula kwe-Care Affordable Act (aka Obamacare).
Ngaphansi kwe-Obamacare, indawo Yomshwalense wezeMpilo kaHulumeni ihlinzeka ngabanye indlela yokuzithengela ngokwakho, ukubona ukuthi amanani entengo yomuntu ngamunye kanye nomndeni ahambisana kanjani ne-COBRA futhi anqume ukuthi iyiphi inketho eqondakalayo kuwe. Gcina engqondweni, ukukhetha akusekho umshwalense nge COBRA noma awunayo umshuwalense nhlobo. Ukuhamba nje ngaphandle kokubhalwa akuyona inketho. Ngisho noma ngabe uphakathi kwemisebenzi, uma uphakathi kwemali yomshwalense wezempilo, ubungozi bokukhokha imali enhle.
I-COBRA vs. Imakethe Yezimakethe Ngemva kokulahlekelwa Umsebenzi
I-COBRA isanikezwa abasebenzi abaqedwa noma abaqedwa emsebenzini, kodwa lezi zinsuku kukhona esinye isixazululo esingunaphakade. Uma ushiya noma ulahlekelwa umsebenzi wakho, iwindi livulela indawo kaMaritzburg Insurance Market, lapho ungathenga khona izinhlelo zakho esifundeni noma esifundeni sakho.
Ngokujwayelekile ungabhalisela umshwalense wezempilo kuphela eMakethe phakathi kukaNovemba 15 noFebruwari 15. Nokho, uma ushiya umsebenzi ngaphandle kwesikhathi sokubhalisa evamile, unayo iwindi lakho lokubhalisa izinsuku ezingu-60 ukuthenga futhi ubhalisele ukufakwa.
Ngisho noma uthanda uhlelo lwakho lwamanje futhi ukhetha ukuthatha i-COBRA, ikhokha ukuvakashela iMakethe futhi uqhathanise nezindleko.
I-COBRA ngokuvamile ibhekwa njengento ebiza kakhulu, kodwa ingahle ifaneke nakwezinye izinhlelo kuye ngokuthi uhlala kuphi nokuthi izinga lakho linikeza. Khumbula ukuthi ngeHhovisi leMakethe kaHulumeni, ungase ufanelekele ukukhishwa kwezindleko zentela ye-premium, I-Premium Insurance Premium Insurance yezingane, noma i-Medicaid yamahhala noma engabizi ephansi ngokusekelwe kumholo wakho kanye nabathembeki bakho.
Ukuze uthole ukuthengwa kanye namanani endaweni yakho, ungavakashela impilocare.gov futhi uqhathanise inthanethi noma shayela 1-800-318-2596 ngemibuzo. Ngeke ukwazi izindleko ezigcwele zempilo yakho kuze kube yilapho uphenya uphinde uthole ukuthi yiziphi izinketho ezitholakalayo kuwe.
Indlela Yokudonsa I-COBRA YePulani YeMakethe
Uma ukhetha ukuthatha i-COBRA manje, iwindi leMakethe lizovalwa. Uma ufuna ukuthenga okwakho siqu esikhathini esizayo, kuzodingeka ulinde kuze kube yisikhathi sokubhalisa esilandelayo sokuthenga uhlelo lweMakethe.
Ungaphonsa i-COBRA nganoma yisiphi isikhathi ngesikhathi sokubhalisa okuvulekile ukuthenga inqubomgomo yakho. Kodwa-ke, uma kungeyona inkathi yokubhalisa evulekile, kufanele ubambe iqhaza nge-COBRA ngaphandle kokuthi uthole umshuwalense kumqashi omusha.
Uma ukukhishwa kwakho kwe-COBRA kuphela, kufanele uthole umshuwalense wezempilo ngokwakho. Uma ukufakwa kwakho kokuphela kuphela phakathi nesikhathi esingaphandle kwesikhathi sokubhalisa okuvulekile, iwindi lezinsuku ezingu-60 lokuthenga ukuthengiswa kwe-Marketplace lizovuleka kuwe futhi.
Akuyona Inketho: Ukungabi Nesixhumanisi
Kungakhathaliseki ukuthi unquma ukuthatha i-COBRA noma uthenga i-Marketplace plan, ukuhlinzeka ngezempilo kuyadingeka. Ukuphuma ekuhlinzekeni kwezempilo akuyona inketho engacabangi, ngezizathu ezingaphezu kweyodwa.
Izihloko Ezihlobene: Izinzuzo Zomsebenzi Uma Ushiya Umsebenzi Wakho
Source: healthcare.gov