Ndikhulelwe kwaye andinayo i-inshurensi yezempilo e-USA

Ndikhulelwe kwaye andinayo i-inshurensi yezempilo e-USA, zeziphi iindlela zam?

Kukho iindlela ezininzi zokufumana i-inshurensi yokubeleka xa ukhulelwe.

Nangona kunjalo, kuya kufuneka ufunde ngezihloko ezibini ezibalulekileyo.

Abasetyhini abafumana imali eninzi kakhulu ukuze bakulungele Unyango banokuthenga isicwangciso sabucala ngaphandle kwamaxesha okulinda.

Oomama abalindeleyo bangaqala ukugubungela nangaliphi na ixesha lonyaka ukuba banamava obomi afanelekileyo njengokutshata notata, ukuya kwikhowudi entsha ye-zip, okanye ukuba ngummi wase-US.

Ukukhulelwa: I-inshurensi yezempilo Akukho xesha lokulinda

Abafazi abakhulelweyo baneendlela ezininzi zokufumana i-inshurensi yezempilo ngaphandle kokulinda. Ezinye iindlela zigubungela ukhathalelo lwaphambi kokubeleka kunye nomsebenzi kunye nokuhanjiswa kwamabango eenkonzo ezinikezelweyo kwangoko emva komhla wokuqala womgaqo-nkqubo, kwaye ngamanye amaxesha ngaphambili.

I-Medicaid lukhetho olukhethiweyo ngenxa yexabiso eliphantsi , izibonelelo zokubuyisa kunye nokubhaliswa kwangoko. Izicwangciso zabucala zikwanceda nabasetyhini abakhulelweyo kwangoko, kodwa hayi uninzi.

Imeko esele ikho

Into yokuqala yokwazi kukuba iinkampani azinakuthathela ingqalelo ukukhulelwa imeko esele ikho yeinshurensi yezempilo. Ngaphantsi koMthetho woKhathalelo ongenakufikeleleka, izicwangciso zempilo zabucala kufuneka zigubungele zonke iimeko ezinxulumene nokubeleka ngaphandle kwexesha lokulinda. Kwakhona, inkampani ayinakukhanyela ukugubungela kuba sele ulindele umntwana.

Nangona kunjalo, ngelixa ukukhulelwa kungeyonto esele ikho, awungekhe ubhalise kwi-inshurensi yabucala yezempilo nangaliphi na ixesha ofuna ngalo. Ukufunda kunokuqala kuphela ngexesha lokubhalisa elinye.

• Ubhaliso oluvulekileyo lonyaka lunomhla wokuqalisa kaJanuwari 1. Unokukhetha ukogquma ukusuka ngo-Novemba 1 ukuya ku-Disemba 15 kunyaka ophelileyo.
• Amaxesha obhaliso olukhethekileyo aqala ngayo nayiphi na inyanga yonyaka. Ukhetha isicwangciso ngaphakathi kweentsuku ezingama-60 zomsitho ofanelekileyo kwaye ukugubungela kusebenza ngokukuko^Ekuqaleniumhla wenyanga elandelayo.

Ngokucacileyo, iXesha loBhaliso oluKhethekileyo linikezela ngowona mgangatho ungcono wokukhulelwa ngaphandle kwexesha lokulinda, kanti uBhaliso loNyaka alwenzi njalo, ngaphandle kokuba ulifumene eli nqaku ngoNovemba okanye ngoDisemba. Nangona kunjalo, kuya kufuneka ufumane amava obomi afanelekileyo ukuze uthathe ithuba lobhaliso olukhethekileyo.

Iziganeko zoBomi ezifanelekileyo

Ukukhulelwa ayisosiganeko sobomi esifanelekileyo kwi-inshurensi yabucala yezempilo phantsi koMthetho woKhathalelo olufikelelekayo. Oku kuthetha ukuba abasetyhini abakhulelweyo kufuneka babe nesizathu esahlukileyo sokufanelekela ukukhuselwa kokubeleka ngaphandle kokulinda ubhaliso lonyaka.

Imithetho iyahluka kancinane kwizicwangciso ezizodwa, ukugubungela iqela emsebenzini, nasemva kokuba usana lwakho lukhona.

Izicwangciso zomntu ngamnye

Apha ngezantsi kukho iziganeko zobomi ezifanelekileyo ezenza ukuba ulungele ixesha elithile lobhaliso kwimarike nganye.

• Ukuphulukana ngokungazenzisiyo kolunye ukhuseleko.
• Tshata utata womntwana.
• Ukuhambisa ikhowudi entsha ye-zip
• Ukuba ngummi waseU.S
• Impazamo yobhaliso ebingeyompazamo yakho

Cela ikowuti ye-inshurensi yezempilo yokukhulelwa ukuba udibana nenye okanye nangaphezulu kwezi meko. Iarhente inokuqhagamshelana nawe ukuze ixoxe ngeendlela onokukhetha kuzo.

• Unamava obomi obufanelekileyo kwiintsuku ezingama-60 ezidlulileyo.
• Kungoku ngoNovemba okanye ngoDisemba (ubhaliso lonyaka)
• Uhlala kwiPhondo laseNew York kwaye uyonwabele imithetho enobulali

Umthetho we-inshurensi yaseNew York ichaza ukukhulelwa njengesiganeko sobomi esifanelekileyo. Kwakhona jonga imigaqo kurhulumente wakho njengoko imithetho itshintsha rhoqo. Fumana uluhlu olusemthethweni Izizathu urhulumente wobumbano Apha.

Amaqela omqeshi

Uluhlu lweziganeko zobomi ezilungela i-inshurensi yeqela esekwe ngumqeshi iyafana, kodwa ngumahluko omnye ophambili. Ukuqeshwa okutsha kuyafaneleka ukubhaliswa ngokukodwa (nangaliphi na ixesha lonyaka) emva kokusebenza kwexesha lokuvavanywa ngumqeshi.

Umqeshi ngamnye ukhetha ixesha lakhe lokulingwa. Ixesha linokuba ziintsuku eziyi-0, iintsuku ezingama-30, iintsuku ezingama-60, iintsuku ezingama-90 okanye nangaphezulu. Ke ukufumana umsebenzi omtsha onika i-inshurensi yezempilo lolunye ukhetho lokufumana i-inshurensi yokubeleka ngaphandle kwexesha lokulinda.

Ukuba nomntwana

Ukuba nomntwana kukwasisiganeko sokuphila esifanelekileyo kwi-inshurensi yezempilo. Emva kokubeleka, uneentsuku ezingama-60 zokongeza usana lwakho olusanda kuzalwa kwisicwangciso esele sikhona okanye ukuthenga umgaqo-nkqubo ngamnye womntwana wakho.

Nangona kunjalo, utshintsho kufuneka luhambelane nomsitho. Eli ayilo thuba lokufumana ingxelo kuMama. Isicwangciso esitsha akunakulindeleka ukuba sihlawule abasebenzi kunye nokuhanjiswa kwezibhedlele

I-Medicaid yoLuntu

I-Medicaid ibonelela nge-inshurensi yokubeleka kwabasetyhini abasele bekhulelwe ngaphandle kwexesha lokulinda. Ngapha koko, le ngxelo yoluntu inokuhlawula amabango eenyanga ezi-3 ngokuziphindezela. Jonga imithetho kwimeko yakho xa ubhalisa.

Ukongeza, iMedicaid ayinyanzelisi naluphi na uhlobo lokuthintelwa kwexesha lokubhalisa. Ungaqala ukugubungela kwangoko ngaphandle kokulinda de kube nguJanuwari. Kwaye awunyanzelekanga ukuba ube namava obomi afanelekileyo ukuqala embindini wonyaka.

Nangona kunjalo, urhulumente ngamnye ubeka imida yengeniso. I-Medicaid inokuphika oomama abakhulelweyo abafumana imali eninzi. Umyinge womvuzo uhlengahlengisiwe kubungakanani bosapho kwaye unokubandakanya iintsana zakho ezingekazalwa. Jonga apha ngezantsi ngokhetho ukuba awufanelanga.

I-inshurensi yokubeleka xa sele ukhulelwe

Kukho ezinye iindlela onokuthi uziqwalasele kwi-inshurensi yokubeleka xa sele ukhulelwe. Unokufumana uncedo ngononophelo lwangaphambi kokubeleka, ii-ultrasound, umsebenzi kunye nokuhanjiswa xa uhanjiswa. Unonophelo olululo lwezonyango kunye nolomlomo kubalulekile kwimpilo kamama nosana lwakhe.

Urhulumente wobumbano ubonelela ngenkxaso-mali esekwe kwimali yabasetyhini abafumana imali eninzi ukuze balungele iMedicaid. Isicwangciso sabazali bakho sinokunika ingxelo. Kwakhona, iinkqubo zikarhulumente zinokukunceda ngexesha lakho lokuya kubeleka.

Ukufakwa kwabazali

Ngaba i-inshurensi yabazali bakho iya kukugubungela ukukhulelwa kwakho? Ukukhulelwa okuxhomekekileyo kokuxhomekeka yingxaki kulutsha nakubantu abadala abangaphantsi kweminyaka engama-26 abaxhomekeke kwisicwangciso sabazali babo. Ngelishwa, akukho siqinisekiso sokuba icebo labazali bakho liya kubandakanya yonke imiba yokhathalelo lwakho ngelixa ulindile.

Le yindawo yokuqala ebonakalayo. Nangona kunjalo, sukucinga ngokugubungela ukubeleka. Qiniseka ukuba ubuza imibuzo efanelekileyo ngendlela efanelekileyo eya kubantu abafanelekileyo.

Amaqela omqeshi

Phantse iipesenti ezingama-70 zezicwangciso zeinshurensi yezempilo esekwe kumqeshi azibandakanyi ukukhulelwa okuxhomekekileyo. Oku kuthetha ukuba uninzi lweentombi zokufikisa kunye nabantu abadala abancinci banokufumana ezinye iindlela.

Imithetho emibini yomanyano inzima kumba kwaye ishiya izikhewu ezibalulekileyo.

1. UMthetho woCalucalulo lokuKhulelwa ufuna ukuba izicwangciso zokhathalelo lwempilo zamaqela zikhusele inkathalelo yabaphambi kokubeleka kunye neenkonzo ezinxulumene noko. Nangona kunjalo, le mfuno ayongezeleli kubaxhomekeki.
2. UmThetho woKhathalelo ongenakufikeleleka ufuna izicwangciso zeqela zokugubungela ukhathalelo lwangaphambi kokubeleka kokukhulelwa okuxhomekeke kubo. Nangona kunjalo, oku akwandisi ukuya esibhedlele okubiza kakhulu kubasebenzi kunye nokuhanjiswa.

Iinkampani ezinamagama

Qaphela ukuba ubuze imibuzo efanelekileyo malunga nokukhulelwa okuxhomekeke kukukhulelwa. Inkampani nganye yeinshurensi ikhupha izicwangciso ezahlukeneyo kwiqela, umntu ngamnye kunye nentengiso yoluntu. Isicwangciso ngasinye sisebenza ngokwahlukileyo, nokuba sikhutshwe yinkampani enye.

Nxibelelana ne-inshurensi kwaye ubuze malunga nokukhulelwa okuxhomekeke kwisicwangciso esithile sabazali bakho. Ungacingi ukuba imigaqo isebenza ngokufanayo kuzo zonke izicwangciso ezikhutshwe nayiphi na kwezi nkampani zeinshurensi.

• UAetna
• Umhobe
• IBlue Cross Blue Shield (BCBS)
• Cigna
• Umntu
• UKaiser Permanente
• Unonophelo lwezeMpilo

Musa ukulungela iMedicaid

Abasetyhini abaninzi abakhulelweyo ngaphandle kwe-inshurensi benza imali eninzi ukuze balungele iMedicaid, okanye bacinge njalo. Cinga ngezi zikhetho ukuba ufuna ukubona ugqirha kwaye awukwazi ukuhlawula iindleko.

1. I-Medicaid yokukhulelwa enomda ineemali eziphezulu zokufumana umvuzo kuneMedicaid eqhelekileyo. Musa ukucinga ukuba wenza imali eninzi ukuze ufaneleke. Unokuba ujonge iseti engalunganga yemida okanye usebenzise imigaqo yesayizi yasekhaya ngokungafanelekanga. Umntwana ngamnye ongekazalwa ubalwa njengelungu losapho elongezelelweyo. Faka isicelo kwiofisi yakho yesithili kwaye ubenze bakhuphe ukwala.
2. Abasetyhini bayala i-Medicaid kuba bafumana imali eninzi, bahlala befanelekile ukuba bafumane i-inshurensi yezempilo yabucala. Urhulumente wobumbano ubonelela ngeendlela ezimbini zokuxhasa ngemali ezenza ukuba kube lula ukuhlawulela ukukhulelwa kunye nokuhambisa umntwana wakho esibhedlele.

Ukuncitshiswa kwepremiyamu

Abasetyhini abafumana imali eninzi ukuze bakwazi ukufumana iMedicaid bahlala behlangabezana neemfuno zokunciphisa iipremiyamu. Ezi nkxaso-mali ziza ngohlobo lwangaphambili okanye ukuhlawula iikhredithi zerhafu kunye nokunciphisa ipesenti yengeniso ekufuneka uyichithe kwiiprimiyam zempilo zeinshurensi nganye. Ipesenti ixhomekeke kwingeniso ehambelana nenqanaba lentlupheko.

Ukwabelana ngeendleko kuncitshisiwe

Abasetyhini abangavunyelwanga iMedicaid nabo banelungelo lokunciphisa ukwabelana ngeendleko. Ezi nkxaso-mali zinciphisa into ekufuneka uyihlawule epokothweni ngesicwangciso esikwinqanaba lesilivere esigubungela ama-70% enkcitho ephakathi. Kwakhona, inqanaba lokuncitshiswa kweendleko lixhomekeke kwingeniso ehambelana nenqanaba lentlupheko.

Ufuna i-ultrasound

Abasetyhini abakhulelweyo ngaphandle kwe-inshurensi kwaye abafuna i-ultrasound akufuneki bajonge kude. I-Ultrasound (sonography) isebenzisa amaza esandi ukuthatha imifanekiso yosana olusakhulayo kunye namalungu okuzala kukamama ukuze abone ukungahambi kakuhle.

Iindawo zoncedo zokukhulelwa ezisekwe kwinkolo Kwilizwe liphela babonelela ngee-ultrasound zasimahla zabafazi abakhulelweyo. Iziphumo ziyenziwa kwaye zitolikwe ziingcali ezinelayisensi kwiziko lonyango elinelayisensi. Benza le nkonzo simahla ukunceda oomama bathathe isigqibo sokukhetha ubomi babantwana babo.

Sebenzisa umfanekiso wasimahla we-ultrasound njengovavanyo oluqinisekileyo lokukhulelwa xa ufaka isicelo seMedicaid.

Umsebenzi wamazinyo

Ukukhulelwa ngaphandle kwe-inshurensi yamazinyo kubalulekile ngokumangalisayo kwaye inikezela ngeendlela ezininzi zokunceda ukuhlawulela unyango. Awufuni ukukhathalelwa ngomlomo ngelixa ulindele umntwana.

Ukukhulelwa kwamahomoni kubangela ukuba iintsini zidumbe zize zophe. Iintsini ezidumbileyo zibambisa ukutya kwaye zibangele ukucaphuka emlonyeni. Ukucaphuka kungakhokelela kusulelo nakwisifo seentsini. Isifo seentsini sinxulunyaniswa nokusebenza kwangaphambi kwexesha.

Ukucoca rhoqo (iprophylaxis) kunokunciphisa le mingcipheko. Olu khetho lunokunceda ukuhlawulela umsebenzi wamazinyo.

• I-Medicaid igubungela ukhathalelo lwamazinyo ngokubanzi kumazwe amaninzi
• I-inshurensi yezempilo igubungela umsebenzi wamayeza ofunekayo.
• Izicwangciso zamazinyo zinamaxesha amafutshane okulinda kukhathalelo lokuthintela.

Iphepha-mvume lokubeleka

Abasetyhini abasebenza kumazwe athile baneenkxalabo ezimbalwa malunga nokukhulelwa ngaphandle kokuhlawula ikhefu lokuya kubeleka okanye ukukhuselwa kwemisebenzi esemthethweni. Kubalulekile ukuba ube nendawo yokugcina imali ngexesha lokuyeka ukusebenza nasemva kokubeleka. Kwakhona, kuyanceda kakhulu ukuba umqeshi wakho kufuneka agcine indawo yakho ivulekile de ubuye.

Iinkqubo zoncedo-mali ezisekwe kuRhulumente zihlala zinceda abazali abaneengxaki zomsebenzi.

1. Umthetho weFederal Family Medical Leave Act usebenza kwilizwe liphela
   1. Iiveki ezili-12 zokukhuselwa kwabasebenzi okungahlawulwanga
   2. Ngama-50 + iinkampani zabasebenzi
2. Kukho iinkqubo zekhefu losapho elihlawulelwayo kumazwe amane
   1. California
   2. Enew Jersey
   3. Inew York
   4. IRhode Island
3. Ukukhubazeka okwethutyana kubandakanya ikhefu lokukhulelwa likamama.
   1. California
   2. IHawaii
   3. Enew Jersey
   4. Inew York

Abazali banokuqokelela izibonelelo zokungaqeshwa emva kwekhefu lokuya kubeleka kwiindawo ezingama-22 emva kokuba benakho kwaye befumanekile ukuba babuyele emsebenzini. Amazwe amakhulu anjengeTexas, i-Illinois, iWashington, iWisconsin, kunye nezinye ziyayekelela iimfuno zabantu abayiyekele usapho olunyanzelayo okanye isizathu esihle.

Iziqulatho

• Ukukhulelwa: I-inshurensi yezempilo Akukho xesha lokulinda
• Imeko esele ikho
• Iziganeko zoBomi ezifanelekileyo
• Izicwangciso zomntu ngamnye
• Amaqela omqeshi
• Ukuba nomntwana
• I-Medicaid yoLuntu
• I-inshurensi yokubeleka xa sele ukhulelwe
• Ukufakwa kwabazali
• Amaqela omqeshi
• Iinkampani ezinamagama
• Musa ukulungela iMedicaid
• Ukuncitshiswa kwepremiyamu
• Ukwabelana ngeendleko kuncitshisiwe
• Ufuna i-ultrasound
• Umsebenzi wamazinyo
• Iphepha-mvume lokubeleka

• Ndazi njani ukuba ndizilahlile IINDAWO ZONYANGO Iimpawu kunye nonyango