Chii icho uye chinoshanda sei?
Chii chinonzi inshuwarisi yehutano waiver fomu?
Imwe inshuwalhu yehutano inshuwarisi inowanzova nemashoko pamusoro pekukumbira kwako kuti usasvike pakuwana hurongwa hwehutano hwehutano hupiwe kwauri. Utano hwehutano inshuwarisi fomu huchabatanidza chiziviso chako chokuti iwe wakapiwa chirongwa, zvisinei, wakasarudza kuramba mararamiro ehutano hwehutano anopiwa kwauri. Zvichienderana nesangano kana chikonzero chehutano hwehutano inshuwarheni yaiver, iwe unogonawo kudiwa kuti upe uchapupu hwechikonzero chaunoshuva kukwanisa kuwana hutano hwehutano inshuwalhu. Izvi ndezvekuchengetedzwa kwesangano, kambani kana chikoro chirikupa chirongwa. Vangada kuongorora kuti une inshuwarisi yehutano yakakwana pane imwe nzvimbo usati wabvumirana nechikumbiro chako chemishonga inshuwarisi yaiver. Inishuwarenzi yehutano yaivers inogona kunge yakasayirwa gore negore, uye kana chiitiko chako chichichinja, chinogona kuva chikamu chebvumirano chako kuti iwe unorayira chirongwa chako.
Kurapa kurapwa kwechiremba: Ndiyo pfungwa yakanaka here?
Pane zvikonzero zvakawanda zvaunogona kusarudza kuti unoda kusunungura utano hwako hwehutano inshuwarheni, asi iwe usati waita, nguva dzose iri pfungwa yakanaka kutarisa kubatsirika kwehuviri hwekugovera kana kubatana kwezvipo . Dzimwe nguva zvinogona kubatsira zvikuru kushandisa michina yakawandisa kana uine zvakawanda zvekurapa mari kana zvido zvakasiyana.
Nguva dzose tsvagai zvose zvamunogona. Ngatitarise mimwe mienzaniso yekuti iwe ungada kukumbira kusunungura:
Mienzaniso Yezvaunoda Kukumbira Health Insurance Waiver
- Apo waunoshandira wehutano inshuwarano chirongwa kana mudzidzi wehutano hurongwa hwehutano hahudikwi nokuti iwe unotove neine inshuwarisi kuburikidza nerimwe urongwa Somuenzaniso, kana wako wako ane hurongwa hwehutano inshuwarheni huri kukufukidza iwe, unogona kukumbira inshuwarhu yehutano inshuwarisi nokuti haudi kugoverwa chikoro chako kana kuti iwe waanoshandira achikupa kubva iwe watova bhizimisi kune imwe nzvimbo.
- Kana iwe uine mukana wekuwana inshuwarisi yehutano huri nani pane imwe nzvimbo, zvichida kuburikidza neurongwa hwekutenga humwechete kana kuburikidza nhengo yemhuri. Iwe unogona kudikanwa kuratidza humwe shanduro inoparidzirwa.
- Kana iwe uchikwanisa kuronga hurongwa hunosangana ne Minimum Essential Coverage (MEC). MEC ipo hurongwa hwehutano hwehutano hune huwandu hwezvinhu zvinodiwa zveAne Affordable Care Act.
- Kana iwe wakafukidzwa nehutano hwevabereki vehutano inshuwarano
- Kana iwe wakatove wakavharwa kana wakakodzera kubasa kuburikidza neIndia Health Services mupiki
- Kana iwe uri nhengo yedhechi yechitendero nekupikisa kune inshuwarisi
Health Insurance Waivers uye College kana University Health Insurance Plans
Kunyange zvazvo vashandi vasina kupa hutano inshuwalisi yaivers sezvavakagara vachiita, vunivhesiti inowanzove nehutano inshuwarisi yaiver mikana.
Vadzidzi vakanyoresa muhutano hwehutano hwehutano hwakaringana kana huri nani kupfuura iyo inopiwa nekorojiji kana yunivhesiti kazhinji vane mukana wekurasira inshuwarhu yehutano nekuzadza muhutano hwehutano waiver uye kupa uchapupu hwekufananidzwa kwakafanana kune imwe nzvimbo. Iyi ndiyo nzira yakakurumbira yevadzidzi sezvo inowanzofukidzwa neurongwa hwemhuri, uye mari yekuchengetwa kwehupenyu hwehutano inshuwarheni inogona kusvika zviuru zvemadhora pagore.
Health Insurance Waivers Kuburikidza Nomushandi Wako
Nemhaka yenyika dzakaoma dzehupfumi, makambani akawanda ari kuderedza zvehutano inshuwarisi yaivers kana kubvisa zvachose. Utano yveshuwarenzi yaivers inoshandiswa kuva yakakurumbira pakati pevashandi vachikwezva vashandi. Izvi zvakaitika apo makambani akapa hutano hwehutano huripo husununguko kune vashandi vavo.
Iye zvino vashandi vakawanda vanobhadhara chikamu chehutano hwavo hwehutano uye kuti makambani ari mubhadharo yakareba, yehutano inshuwarisi yaivers haisi yakafanana.
Mari inoshandiswa nehutano inshuwarisi yaivers iko zvino inokuvadza vashandi kupfuura kungobatsira kune mushandi.
Ndeipi inshuwalhu yehutano iiver an advantage?
Mamwe makambani, kazhinji hurumende yevashandi vemunharaunda, vanopa vashandi vezvokurapa sechikamu chevashandi vanobhadhara purogiramu. Kana mushandi akasarudza kuregererwa kwehutano vanogona kuwana mubhadharo wegore rose unenge uri chikamu chemakambani anokweretesa inshuwarisi yehupfumi. Zvimwe zvezvipo zvekurasikirwa kwezvechiremba zvinodarika $ 7,000 pagore.
Chiremba kana Utano HwepaInishuwarenzi Inobatsira Waiver kubva kuMushandi Wako
Vashandi-vanorayirwa zvehutano inshuwarano zvirongwa zvinogona kuva zvakakosha kune vashandi, kunyanya kana mubhadhari aripa chikamu kana kuti yese yehutano hwehutano. Zvisinei, pane dzimwe nguva apo munhu angave asingadi chirongwa chekurapa kubva kune waanoshandira, somuenzaniso, kune mushandi anogara mumhuri inenge iine urongwa hwekufukidza mhuri. Muchiitiko ichi, chirongwa chimwe cheshuwarisi chingava zvose zvinodiwa.
Kusayina Health Health Waiver seNzira yekuchengetedza Mari kana Kuwana Mari
Utano hweInishuwarensi yehutano hunoonekwa sevashandi vanobhadhara nokuti kuburikidza nekuchengetedza inshuwarisi, vamwe vashandi vakapa kupa mubhadharo mushandi nokuda kwemari yemari yemari yeinishuwarenzi. Zvinosuruvarisa, nekuda kwehupfumi vashandirwi vakawanda havasi kupa vashandi vavo zvizere kubhadhara inishuwarenzi kubhadhara mari, saka kuzivikanwa kworudzi urwu rwebasa rinobatsire kana kuti rinenge risina kufanana sezvarakambove apo hupfumi hwakanyanya kusimba uye vashandi vakapa hutano hwehutano inshumo "vakasununguka." Kusayina inshuwarisi yehutano yaiver haigone kupa chero rubatsiro kune vashandi vako kubatsirwa nenzira ye "muhomwe" kuwedzera zvakare sezvo vashandi vakawanda vasingabhadhari vashandi vavo vehutano inshumo sezvavakagara vachiita. Kuregererwa kunogona kunge kunoderedza kudhura kwezvakabviswa kubva mubhadharo yako nekuda kweinishuwarenzi yako sezvo iwe uchave wakavharwa pasi pesarudzo imwe uye usingabhadhara muurongwa hwevashandi.
Muenzaniso: Jim naTina vose vanoshanda. Jim anosarudza inshuwalhu yehutano yaiver kubva pabasa rake sezvo iye akafukidzwa pasi peTina's employer-sponsored health insurance plan. Mukudzoka, mushandirwi wake anomupa mamwe $ 3,000 pagore kubhadhara. Uyewo Anozivikanwa Sekubuda, kubvumira
Ko kana iwe uine inshuwarhu yehutano huripo asi iwe mamiriro ezvinhu anochinja, iwe unogona kunyora?
Utano hwehutano hwehutano hwakasiyana, saka iwe unofanirwa kutarisa neurongwa wehutungamiri wehutano kuti uone kana iwe ukasununguka inshuwarhu yehutano, kana iwe unogona zvakare kushandisa kana kuwedzerwa kune chirongwa chebatsiro cheboka kana mamiriro ako akachinja.
Usati wasayina inshuwarisi yehutano waiver, iva nechokwadi chokuti unonyatsonzwisisa migumisiro yekusarudza kwako
Ngwarira kuverengera kuregera kuti uone kuti unonzwisisa zvauri kuisa pairi. Utano hwehutano inshuwarisi hunowanzoshanda kune munhu ari kusina mubatiro uye avo vanovimba naye, haugoni kusarudza uye achasarudza ndiani achafukidzirwa kana kuregererwa. Chengetedza zvakananga chero zvikamu zvese zvine chokuita nekuchinja kwemamiriro ezvinhu, sekuva nemwana, kana kana mumwe wako akashandura basa, kana urongwa hwemhuri yako hunochinja zvisingatarisirwi.
Utano hwehutano uhu hupi hunogona kusanganisira chidimbu, somuenzaniso, kana mamiriro ako emhuri achichinja, unowana firiji remazuva makumi matatu ekunyora nekuda kwekuchinja kwako kwemamiriro ezvinhu.
Mienzaniso Yekuchinja Mukusagadzikana Kunobatsira Inishuwarenzi yehutano neSarudzo
- Kubata, Kuberekwa kana Kuberekwa
- Kuchinja komudzimai kana kuti mubereki kubasa
- Rufu rwomunhu anovimba naye kana mudzimai
- Kuroorana, kuparadzaniswa kwemutemo kana kurambana
- Kuwana kana kurasikirwa kwebasa kana kurasikirwa kwekodzero yekugoverwa nekuda kwekuderedzwa kwemaawa kana kuti kusimuka kwekusavapo kana kuregererwa
Chenjererai: Waiver weHealthcare Coverage angagadzirisa kukodzera kwezvirongwa pasi pebhadharo rehutano hwehutano
Kurapa kubatsirwa kwehutano kunogona kuita kuti iwe usakwanisa kubatsirwe kushandiswa kwehutano pasi pe Affordable Health Care Act.
Kuita Chisarudzo Chinoziviswa Usati Wave Utano Inishuwarenzi Inoshandiswa
Chisarudzo chekuregererwa kwehutano kunobatsira kubva kumushandi kana imwe sangano inokosha. Iwe unoda kuve nechokwadi kuti uri kuchengetedza zvakanakisisa zvako uye kuongorora zvose zvako zveushuwarisi zvingasarudzwa kuti usarudze zvakanakisisa kugoverwa. Iva nechokwadi uye uongorore humwe tsanangudzo yekuti mushandi wako wepurogiramu yebatsiro inobhadharwa angakufukidzira iwe, zvakadini zvaizodhura uye zvakanakirei kana iwe upi zvake ungawana kana iwe ukasaina inshuwarisi yehupenyu yeiver usati warasa kodzero yako kune hurongwa hwehutano hwehutano. Dhipatimendi rako reHurumende kana vevadzidzi vehutano kana chirongwa chehutano wehutano chichange chiri panzvimbo yakanakisisa yekurondedzera mari uye zvikwereti kwauri.