Inshuwaransi ya zamankhwala yopanda chitetezo chazomwe anthu osalemba. Mukudziwa kufunikira kwa inshuwaransi yazaumoyo. Popanda inshuwaransi yazaumoyo, mutha kukumana ndi zovuta zazikulu zamankhwala ndi zipatala.
Inshuwaransi yaumoyo yopanda nambala yachitetezo cha anthu (kugwiritsa ntchito ITIN m'malo mwa SSN)
Inshuwaransi ya zamankhwala ku United States kwa alendo. Nambala yachitetezo cha anthu siyofunikira pa inshuwaransi yazaumoyo, koma ngati mukupempha kuti mupeze ndalama zosinthanitsa ndi boma, muyenera kutsimikizira kuti ndi ovomerezeka. Olemba inshuwaransi yamalonda ngati Freedom Benefits sangafunse zakusamukira.
Palibe kusiyana pamachitidwe a inshuwaransi pakugwiritsa ntchito popanda SSN; ingogwiritsani ntchito ITIN mu gawo lazachitetezo cha anthu pazinthu zilizonse zolembedwa Phindu la Ufulu kapena kusinthana kwa inshuwaransi.
Kuti zinthu zikuyendereni bwino, nayi ma inshuwaransi odziwika bwino kwambiri kwa omwe amasamukira kudziko lina komanso ena omwe adzalembetse popanda nambala yachitetezo cha anthu. Zonsezi zimapezeka pa intaneti.
- Wobwera kudziko lina - Kwabwino kwambiri kwa iwo omwe akhala ku US kwazaka zosakwana ziwiri
- Inshuwaransi yayikulu yamankhwala: Chitsimikizo chotsimikizira phindu la inshuwaransi (palibe mafunso azachipatala) omwe angagwiritsidwe ntchito ndi dokotala kapena chipatala. Kuphatikiza kufalitsa mwaufulu pazomwe zidalipo pambuyo poti lamuloli lakhala likugwira ntchito kwa miyezi 12.
Nambala yozindikiritsa wokhometsa msonkho (ITIN) kapena manambala asanu ndi anayi oyamba a pasipoti atha kuvomerezedwa m'malo mwa nambala yachitetezo cha anthu pofunsira. Kuyenerera kwa mapulani ambiri a inshuwaransi yaumoyo kumangotengera komwe akukhala komanso kukhala nzika sikovuta.
A ITIN (Nambala Yodziwika Yokhomera Wokhomera) yotulutsidwa ndi Internal Revenue Service (IRS) ya US Department of the Treasure Imagwiritsidwa ntchito kwambiri m'malo mwa nambala yachitetezo cha anthu (SSN) mupempho lililonse la inshuwaransi kwa wofunsayo wopanda SSN. IRS imafuna kampani ya inshuwaransi kuti ipeze SSN kapena ITIN ya aliyense amene angalandire phindu lalikulu la inshuwaransi.
Boma la feduro limapereka zambiri zowonjezera pamanambala ndi zolembedwa zomwe zitha kugwiritsidwa ntchito m'malo mwa nambala yachitetezo cha anthu pa pempho la inshuwaransi yazaumoyo. Chonde dziwani kuti malangizo aboma akugwira ntchito makamaka pantchito zolembetsa ma inshuwaransi.
Chonde dziwani kuti zimatenga milungu isanu ndi umodzi kuti mupeze ITIN kotero chonde konzekerani patsogolo ngati mukufuna. Ma inshuwaransi apadziko lonse lapansi akunja ku US safuna SSN kapena ITIN, chifukwa ichi chitha kukhala njira yabwinoko posungira inshuwaransi kwakanthawi kochepa.
Thandizo lazachipatala kwa anthu opanda zikalata opanda nambala yachitetezo cha anthu
Ngati muli ku United States mwalamulo, muli ndi njira zingapo. Timawalemba pansipa.
Njira yoyamba: pulani yamalipiro
Njira yoyamba ndi Ndondomeko ya inshuwaransi yanyumba ndi mfundo zochepa zofunikira kufotokozera ( MNYAMATA ) kukwaniritsa udindo wa ACA. Ndondomeko za inshuwaransi yanyumba sizigwirizana ndi inshuwaransi zina. Muli ndi mwayi wosankha zopindulitsa kwa wothandizira kapena kwa inu nokha. Ngati mutadzipangira nokha phindu, mutha kuchita chilichonse chomwe mungafune ndi ndalamazo.
Ndondomeko ya MEC imapereka chithandizo pachitetezo kuti akwaniritse udindo wa ACA. Chisamaliro chodzitchinjiriza chimaphatikizapo kuwunika, kuwombera, ndi zina zambiri.
Inshuwaransi yachitetezo yomwe ilipo imaphatikizaponso dongosolo lokhazikika lomwe lingalipire kuchipatala kulikonse, matenda ovuta komanso ngozi.
Mumafunikira nambala yodziwitsa msonkho, yomwe imadziwikanso kuti nambala ya chizindikiritso cha okhometsa misonkho (ITIN). Tidayankhulapo kale ngati mukufuna a inshuwaransi ya moyo ndipo mulibe nambala yachitetezo cha anthu . Ngati muli ndi ITIN, mutha kupeza inshuwaransi yazaumoyo ndi makampani ambiri. Simungathe kupeza inshuwaransi yapanja kusinthana, koma mutero ndi ena mwa omwe timagwira nawo ntchito.
ITIN siyang'ana mtundu wakusamukira. Zimangokupatsani njira yolipira misonkho. Pafupifupi onse onyamula adzafuna mtundu wina wakudziwika, ndipo ITIN imakwaniritsidwa nthawi zina.
Ndalama zoyendetsedwa ndi mapulaniwa zimakhala zosakwana 50% poyerekeza ndi dongosolo la ACA / Exchange. Amagwira ntchito bwino kwa iwo omwe akufuna kuwongolera zina pazithandizo zawo, ndalama, ndi kasamalidwe ka mtengo.
Iyi si njira yotchuka kwambiri, ngakhale itha kukupulumutsirani ndalama pakapita nthawi. Kumbali inayi, nzika zambiri zaku America zikukonda inshuwaransi yamtunduwu chifukwa mitengo ya inshuwaransi yaumoyo ikupitilira kukwera.
Njira yachiwiri: mfundo zamankhwala zazifupi
Muli ndi njira ina. Mutha kufunsa mfundo zachipatala zazifupi . Kodi mfundo zamankhwala zazifupi ndi chiyani? Ndi mfundo yomwe idapangidwa kuti isachepetse miyezi 12, ngakhale, kutengera boma lanu, mayiko ambiri amalola zaka zitatu zakulandiridwa. Kodi chimachitika ndi chiyani kumapeto kwa kotala? Limenelo ndi funso labwino. Muyenera kuyitananso. Izi zikutanthauza kuti mukapezeka kuti muli ndi matenda oopsa kapena ngozi munthawi imeneyi, mwina sichidzaphimbidwa mtsogolo. Uku ndikofunikira kulingalira kuti mumvetsetse.
Mutha kukhala mukuganiza kuti mudzakhala ndi zolembalemba komanso zomwe zidalipo mukalembanso. Nthawi zambiri zimakhala choncho. Ndi amene timagwira naye ntchito, sichoncho. Zinthu zomwe zidalipo kale zimalumikizidwa ndi ntchito yanu yoyamba. Koma, mutatha kukonzanso, zovuta zilizonse zathanzi zilingaliridwenso mtsogolo! Izi zikutanthauza kuti mudzatembenuzidwa ngati mukudwala.
Kodi mapulani akanthawi kwakanthawi azaumoyo amatenga chiyani? Chabwino, pafupifupi chilichonse, kuphatikiza:
(1) Kuyendera madotolo ndi zipatala
(2) Kupita kuchipinda chadzidzidzi ndi ntchito yama ambulansi
(3) Ntchito yanthabwala, kulingalira
(4) Kuyezetsa matenda, kuzindikira khansa
(5) Zambiri
Ntchito zina siziphimbidwa. Timakambirana pansipa.
Ndalamazo zimakhala pafupifupi 20% poyerekeza ndi mfundo zikuluzikulu zamankhwala komanso pafupifupi 50% yotsika mthumba (mwachitsanzo, zoperekedwa, ma copay, ndalama zachitetezo).
Ndondomekozi sizikugwirizana ndi ACA's Minimum Essential Coverage (MEC). Mwakutero, mungafunike kugula ndondomeko yapadera ya MEC kuti mukwaniritse udindo wa ACA payekha.
Zolinga zamankhwala zazifupi nthawi zambiri sizifunikira ITIN. Nthawi zambiri, chofunikira chokha ndikuti mukhale ku United States. Ili ndi dongosolo la inshuwaransi yazaumoyo lomwe silifuna kuti anthu akhale ndi nambala yachitetezo cha anthu.
Ntchito zosaphimbidwa - ZOFUNIKA
Popeza mapulaniwa satsatira ndondomeko za ACA / Obamacare, pali ntchito zina zomwe sizinachitike. Ntchitozi zimaphatikizapo, koma sizingokhala pa:
(1) Mankhwala Osungidwa Ndi Mankhwala - Timapereka mapulani osiyana a inshuwaransi yamankhwala kapena mankhwala ochotsera
(2) kutenga pathupi mwachizolowezi, chifukwa chake ngati mukufuna kubisala, lamuloli SALIPIRA
(3) zomwe zidalipo kale: makamaka miyezi 12 yoyang'ana kumbuyo
Njira iliyonse ilinso ndi zotsalira. (Chidziwitso: pakuwonekera poyera, timawunikanso izi.)
Kulembetsa ndikofunikira ndizosankhazi. Nthawi zambiri, zolembedwera ndizofunsidwa zaumoyo komanso kuyankhulana pafoni.
Chonde dziwani kuti mudzakhala ndi ndalama zakuthumba ndi pulani iliyonse; mapulani onse a inshuwaransi yazaumoyo ali ndi mtundu wina wogawana nawo.
Njira yachitatu: inshuwaransi yapaulendo yakanthawi kochepa
Ngati muli ndi VISA kapena mupeza VISA posachedwa, the inshuwaransi yapaulendo yakanthawi kochepa Zimagwiranso ntchito. Timagwira ntchito ndi onse ogwiritsa ntchito pano. Pali zosankha kudera lililonse. Komabe, izi zimapezeka kwa anthu omwe ali ndi VISA. Chifukwa chiyani? Mukasuma, VISA yanu ikuthandizira zolemba ndikuwonetsa kukhala kwanu ku US.
Inshuwaransi yamano kwa osavomerezeka
Mlendo wathu akufunsa kuti:
Msuweni wanga, yemwe alibe zikalata, akufuna kwambiri inshuwaransi ya mano. Ali ndi zaka 18, adabadwira ku Mexico ndipo adabweretsedwa kuno miyezi 6. Pakadali pano akugwira ntchito kuti apeze mapepala ake, komabe, akumva kuwawa kwambiri ndipo amafunikira chithandizo cha mizu pamano ake akumaso, ndipo ali ndi ziboda ziwiri zomwe zimafunikanso kusamalidwa. Ndine wokonzeka kukuthandizani pankhani zachuma, komabe, malinga ndi nthawi yomwe ilipo, ndalama zanga ndizocheperako. Kodi mungatumize kapena kutithandiza kudziwa zambiri za inshuwaransi yamano yotsika mtengo kwa munthu yemwe walembedwa?
Yankho:
Choyamba, ma inshuwaransi onse omwe amaperekedwa ku US amafuna mtundu wina wa nambala yodziwikiratu pakugwiritsa ntchito. Ngati si nambala yachitetezo cha anthu, wopemphayo atha kugwiritsa ntchito nambala ya VISA kapena nambala yodziwika ya okhometsa msonkho (ITIN). Chiwerengerocho sichitsimikiziridwa pamalamulo amano, koma nambala ndiyofunika kuti ntchitoyo isinthidwe. Mapulani ambiri ama inshuwaransi amano amapezeka kwa nzika zomwe si za US.
Chachiwiri, mukusowa inshuwaransi yomwe imafotokoza mwachangu njira zazikulu zamano. Yemwe amachita izi popanda kudikirira ndi Core Dental Insurance ku http://freedombenefits.net/affordable-health-insurance/Core-Dental-Insurance.html . Posinthana ndi maubwino apompopompo, lamuloli limafuna kulembetsa kwa miyezi yosachepera 12. Kuphunzira kumaperekedwa nthawi yomweyo ndikamagwiritsa ntchito intaneti. Umboni wopezeka utha kutsitsidwa kakhadi ka ID kisanafike. Pulogalamuyi imapempha nambala yachitetezo cha anthu, koma nambala yodziwikitsa ingagwiritsidwe ntchito.
Pomaliza, kuti mumve zambiri, makampani a inshuwaransi samaganizira zokayendera milandu kapena momwe wofunsirayo alowera. Kuyenerera kumakhazikitsidwa kokha pazofunikira zoyenera kusindikizidwa ndi inshuwaransi. Izi zitha kuphatikizira kutalika kwa nyumba kapena kukhala nzika zaku US, koma sizifunsa za malo okhala.
mapeto
Mukuda nkhawa kuti mulibe nambala yachitetezo cha anthu? Mutha kupezabe inshuwaransi yazaumoyo. Njira imodzi ndiyodzikongoletsa ndipo njira ina ndi njira yachipatala yanthawi yochepa. Muthanso kugula inshuwaransi yanthawi yayitali. Ndi iti yomwe ili yoyenera kwa inu? Izi zimatengera zosowa zanu komanso momwe zinthu zilili. Mwambiri, tidachoka pantchito iyi, koma ngati mungafune zambiri, musazengereze kulumikizana nafe. Timangogwira ntchito ndi anthu omwe ali ndi chidwi chazaumoyo wawo. Ngati mukutsimikiza, kulumikizana nafe. Ngati mukusodza kuti mudziwe zambiri, pali njira yosavuta.
Zamkatimu
- Inshuwaransi yaumoyo yopanda nambala yachitetezo cha anthu (kugwiritsa ntchito ITIN m'malo mwa SSN)
- Thandizo lazachipatala kwa anthu opanda zikalata opanda nambala yachitetezo cha anthu
- Njira yoyamba: pulani yamalipiro
- Njira yachiwiri: mfundo zamankhwala zazifupi
- Ntchito zosaphimbidwa - ZOFUNIKA
- Njira yachitatu: inshuwaransi yapaulendo yakanthawi kochepa
- Inshuwaransi yamano kwa osavomerezeka
- mapeto
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- Momwe Mungakhalire Nzika yaku America Osayankhula Chingerezi
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- Zitsanzo za Makalata Okhululukidwa Kwa Alendo - ...