Kodzero dzevatengi uye kudzivirirwa

Iyo Affordable Care Act (ACA) yakatanga kushanda musi waGunyana 23, 2010. Yaisanganisira dzimwe kodzero uye kudzivirirwa kwevatengi. Idzi kodzero nedziviriro zvinobatsira kuita kuti kuchengetedza kwehutano kuve kwakaringana uye nyore kunzwisisa.

Kodzero idzi dzinofanirwa kupihwa nehurongwa hweinishuwarenzi muHutano Inishuwarenzi Musika uyezve mamwe marudzi einishuwarenzi ehutano.

Dzimwe kodzero dzinogona kunge dzisingabhadharwe nemamwe marongero ehutano, senge zvirongwa zvehutano zvembuya. Chirongwa chekubereka ndeye inishuwarenzi yehutano yakatengwa musi waMarch 23, 2010 usati wasvika.

Gara uchitarisa chirongwa chako chehutano mabhenefiti kuti uve nechokwadi chekuti ndechipi chekufukidzira chauinacho.

KODZERO NOKUDZIVIRIRA

Hedzino nzira idzo mutemo wezvehutano unodzivirira vatengi.

Iwe unofanirwa kuvharwa, kunyangwe iwe uine pre-iripo mamiriro.

• Hapana hurongwa hweinishuwarenzi hunogona kukuramba, kukubhadharisa zvakawanda, kana kuramba kubhadhara zvakakosha zvehutano zvipi nezvipi zvawaive nazvo usati watanga kufukidza.
• Paunenge iwe wakanyoresa, chirongwa hachigone kukuramba iwe kufukidza kana kukwidza yako mareti zvinoenderana chete nehutano hwako.
• Medicaid uye Chirongwa cheInishuwarenzi Hutano hweVana (CHIP) zvakare haigone kuramba kukuvhara kana kukubhadharisa zvakawanda nekuda kwechimiro chako chekare.

Une kodzero yekugamuchira rubatsiro rwemahara rwekudzivirira.

• Zvirongwa zvehutano zvinofanirwa kuvhara mamwe marudzi ekuchengeta kune vanhu vakuru uye vana vasina kukubhadharisa kopi kana kukosheswa kwemari.
• Kuchengetedza kwekudzivirira kunosanganisira kuongorora kweropa, kuongorora kwakasarudzika, majekiseni ekudzivirira, uye mamwe marudzi ekudzivirira kwekudzivirira.
• Kuchengetwa uku kunofanirwa kupihwa nachiremba anobata chirongwa chako chehutano.

Une kodzero yekugara pachirongwa chehutano chemubereki wako kana uri pasi pemakore makumi maviri nematanhatu.

Kazhinji, iwe unogona kujoina chirongwa chemubereki uye gara pane kusvikira wasvitsa makore makumi maviri nematanhatu, kunyangwe iwe:

• Roora
• Iva kana kutora mwana
• Kutanga kana kusiya chikoro
• Gara mukati kana kunze kwemusha wemubereki wako
• Hazvitaurwe semutero wemutero
• Dzorera kupi kupi kupi kwebasa-based kufukidza

Makambani einishuwarenzi haakwanise kudzora kufukidzwa kwegore kana kwehupenyu hwezvakakosha zvakakosha

Pasi pekodzero iyi, makambani einishuwarenzi haakwanise kumisikidza muganhu pamari yakashandiswa pazvinhu zvakakosha nguva yose yaunenge wakanyoreswa muchirongwa.

Zvinokosha zvehutano mabhenefiti ari gumi marudzi emasevhisi ayo ehutano inishuwarenzi marongero anofanira kufukidza Mamwe marongero anovhara mamwe masevhisi, mamwe anogona kusiyanisa zvishoma nedunhu. Tarisa marongero ako ehutano kuona kuti chirongwa chako chinofukidza chii.

Zvakakosha mabhenefiti ehutano anosanganisira:

• Kuchengetwa kwekunze
• Emergency mabasa
• Kuchengetwa muchipatara
• Kubata pamuviri, kubereka uye kutarisirwa patsva
• Hutano hwepfungwa uye kushandiswa kwemishonga kusagadzikana masevhisi
• Zvinyorwa zvinodhaka
• Rehabilitative services uye zvishandiso
• Kutungamira kwechirwere chisingaperi
• Laboratory services
• Kuchengetedza
• Kutarisira chirwere
• Kuchengeta mazino uye kuona kwevana (kuona kwevakuru nekuchengeta mazino hakuna kubatanidzwa)

Une kodzero yekugamuchira ruzivo rwunonzwisisika nezve hutano hwako.

Makambani einishuwarenzi anofanira kupa:

• Pfupiso Pfupi Yezve mabhenefiti uye Coverage (SBC) yakanyorwa mumutauro uri nyore kunzwisisa
• Glossary yemazwi anoshandiswa mukurapa uye kufukidza hutano

Unogona kushandisa ruzivo urwu kuenzanisa zviri nyore zvirongwa.

Iwe unodzivirirwa kubva kune zvisina musoro inishuwarenzi mwero unowedzera.

Kodzero idzi dzinodzivirirwa kuburikidza neRite Review uye nemutemo 80/20.

Rate Ongororo zvinoreva kuti kambani yeinishuwarenzi inofanirwa kutsanangura pachena chero mwero kuwedzera kwe10% kana kupfuura usati wawedzera mari yako.

Mutemo we80/20 unoda kuti makambani einishuwarenzi ashandise kanokwana makumi masere muzana emari yavanotora kubva kumaprimiyamu pamitengo yehutano nekuvandudza kwemhando yepamusoro. Kana iyo kambani ikakundikana kuita kudaro, iwe unogona kuwana rebate kubva kukambani. Izvi zvinoshanda kune ese einishuwarenzi ehutano zvirongwa, kunyangwe zviya zvakaberekwa

Iwe haugone kurambidzwa kufukidzwa nekuti iwe wakanganisa pachikumbiro chako.

Izvi zvinoshanda kune zvakapusa zvekunyora zvikanganiso kana kusiira ruzivo rwusingadiwe kufukidza. Kuvhara kunogona kubviswa mune yekunyepedzera kana kusabhadharwa kana kunonoka maprimiyamu.

Une mvumo yekusarudza wekutanga wekuchengeta (PCP) kubva kuhurongwa hwehutano.

Iwe haudi kuendeswa kubva kuPCP yako kuti ugamuchire rubatsiro kubva kuna chiremba anozvara / gynecologist. Iwe zvakare haufanire kubhadhara mari yakawanda kuti uwane rubatsiro rwechimbichimbi kunze kwenetiweki yako.

Iwe unodzivirirwa pamushandirwi wekudzorera.

Waunoshandira haakwanise kukudzinga kana kutsiva pamusoro pako:

• Kana iwe uchigamuchira iyo yepamberi mutero kiredhiti kubva mukutenga musika hutano hurongwa
• Kana iwe ukamhan'arira kutyorwa kunoenderana Neakachipa Care Act shanduko

Une kodzero yekukwirira sarudzo yeinishuwarenzi yehutano.

Kana chirongwa chako chehutano chikaramba kana kupedza kupera, une kodzero yekuziva kuti sei uye kukwidza sarudzo iyoyo. Zvirongwa zvehutano zvinofanirwa kukuudza iwe kuti ungakwidze sei sarudzo dzavo. Kana mamiriro akakurumidza, chirongwa chako chinofanira kubata nacho munguva yakakodzera.

KODZERO DZOKUWEDZERA

Hutano zvirongwa muHutano Inishuwarenzi Musika uye mazhinji marongero ehutano evashandirwi anofanirwa kupawo:

• Midziyo yekuyamwisa uye kuraira kune vakadzi vane nhumbu uye vanoyamwisa
• Maitiro ekudzivirira kubata pamuviri nekupa mazano (kunze kwenzira dzinoitirwa vashandirwi vezvitendero nemasangano echitendero asingabatsiri.

Kodzero dzevatengi kodzero dzehutano; Kodzero dzemutengi wehutano

• Mhando dzevapi vezvehutano

American Cancer Society webhusaiti. Murwere gwaro rekodzero. www.cancer.org/treatment/finding-and-paying-for-treatment/understanding-financial-and-legal-matters/patients-bill-of-rights.html. Yakagadziridzwa Chivabvu 13, 2019. Yakasvika munaKurume 19, 2020.

CMS.gov webhusaiti. Inishuwarenzi yehutano musika shanduko. www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Market-Reforms/index.html. Yakagadziridzwa Chikumi 21, 2019. Yakasvika paKurume 19, 2020.

Healthcare.gov webhusaiti. Hutano inishuwarenzi kodzero uye dziviriro. www.pahealthcare.gov/health-care-law-protections/rights-and-protections/. Yakasvika Kurume 19, 2020.

Healthcare.gov webhusaiti. Ndeapi marongero ehutano einishuwarenzi ehutano anovhara. www.utano-news.gov/coverage/what-marketplace-plans-cover/. Yakasvika Kurume 19, 2020.