Ungashandisa sei COBRA Insurance

Kana iwe wakarasikirwa nebasa rako kana iwe ukawana basa idzva, unogona kuva nenguva iyo iwe hauna utano hwehutano inshumo. COBRA insurance coverage yakagadzirirwa kubatsira vanhu kuti varambe vachiine utano hwehutano inshumo mumamiriro ezvinhu aya. Kana iwe ukazviwana uri mumamiriro ezvinhu zvinoda kuti ushandise COBRA, unofanirwa kuve nechokwadi chokuti iwe unogadzirisa mamiriro acho nenzira yakarurama. COBRA inogona kudhura, asi inshuwarisi yehutano chimwe chinhu chaunofanira kuchengeta kunyange kana iwe uri pane vasina-mafupa bhajeti .

Mirira Kuona Kuti Unoda COBRA Insurance

Kana iwe uchitanga basa idzva, iwe unogona kutadza kupera. Unogona kusarudza kutamba mutambo weCOBRA wakamirira. Kambani yeInishuwarenzi inokubvumira kuita yako yekutanga COBRA inshurensi kubhadhara mumazuva makumi matanhatu einishuwarenzi yako inopera. Zvakakosha kunyatsotarisa zvaunogona kuita usati wakamirira kutumira muhomwe yacho.

• Kana iwe uine hutano uye usiri kuve nemamiriro ezvinhu epreexisting pa inshuwarisi yako, unogona kusarudza kumirira kuti uite kubhadhara kunze kwekuti une dambudziko. Nzira iyo kana iwe usingafaniri kushandisa inshuwarisi iwe haufaniri kutenga iyo.
• Iyi haisi pfungwa yakanaka kana iwe une mamiriro ekuregererwa, sezvo iwe ungachengetedza mari kuburikidza neine inshuwarisi inoramba iripo. Zvisinei, zvikwereti zvako zvekusina inshuwarisi yehutano zvichatengeswa kwemwedzi yausina kuishandisa. Izvi zvingave zvichiri zvishoma kudarika iwe waizobhadhara muzvikwereti zvekusina hutano hwehutano kwemwedzi kana maviri.

Tarisa Zvimwe Zvimwe Mhando yeCOBRA Health Insurance

Kana wakarasikirwa nebasa rako kana iwe une basa idzva risina kana inshuwarisi yehutano, iwe unogona kusarudza kuramba uchishandisa COBRA yako inshumo yekugovera. Iwe unobvumirwa kuishandisa kusvikira kumwedzi gumi nemasere. Zvisinei, sezvo mari yeCOBRA inowanikwa inowanzova yakawanda kupfuura dzimwe nzira dzaunofanira kutenga pairi uye uenzanise mitero uye zvirongwa zvekuwana imwe nzira yehutano hwehutano hweCOBRA .

Iwe unogona kukwanisa kutora sarudzo zvishoma nezvishoma zvakasununguka , kunyanya kana iwe usina kuroorwa. Iwe unogonawo kukodzera kusainira inshuwarhu yehutano kuburikidza nehutano hwehutano hwehutano panguva iyoyo kana iwe wakarasikirwa nebasa rako. Tarisa nekutengeserana kuti uone kana iwe unogona kuwana inshuwarisi inodhura. Kutenga kunotengesa yehutano inshuwarano kunogona kuguma nekuchengetedza kwakanyanya, asi kana uine mishonga yezvokurapa ndiyo nzira yakanakisisa ingangodaro kugoverwa kwako kweCOBRA.

Kana iwe wakaroorana, unogonawo kufunga kuti uri pane yako inshuwarisi kuburikidza nemushandi wako. Kurasikirwa kuparidzirwa nekuda kwekurasikirwa kwebasa kunokubvumira kunyora kunyange kana isiri kuzarura. Mamwe makambani anopawo hutano hwehutano hunoendesa kune vanogara mumba. Kana iwe uri muukama hwakakomba, unogona kufunga nezvechinhu ichi zvakare.

Chengetedza COBRA Yenyu Yepuri Insurance Premium yeChipupuriro Chako

Iwe unogona kubhadhara COBRA yako inshurensi zvakananga kuinishuwarenzi yako yekambani kana iwe unogona kuripa iyo kuCOBRA kambani yekufambisa. Iwe unofanirwa kutarisa tsamba inotsanangura mari yekubhadhara (iyo ichava mari yako yapfuura pamwe nemari yako yaunoshandira iwe zvakare), uye kupi kunotumira kubhadhara. Iwe ungangodaro wakabhadharwa nekambani yerinishuwarenzi.

Iva nechokwadi chokuti iwe unoramba uchiita inshurensi mari yako chero bedzi iwe uchida inishuwarenzi.

Kana iwe ukarasa iyo inshuwarisi kare, iwe uchada kunyora tsamba uye taura nekambani yekurasira bhuwarisi, kungosiya kubhadhara hakuzobvumi mutemo. Iwe unogona kuguma uchibhadhara mari yekambani yepayimisi yakapfuura kana iwe usingafambisi zviri pamutemo mutemo.

Chengetedza Chiziviso cheBhuku reZvinyorwa Zako

Kana ukasarudza kubva pane imwe nzira yeCOBRA iwe uchagamuchira tsamba kubva kuinishuwarenzi yako inotaura mazuva awakaputirwa pasi pawo. Izvi zvinogona kuderedza nguva yekumirira inshuwarisi yako itsva. Kana iwe uchiziva zvakakwana nguva yakatarisa iwe unogona kukwanisa kuve yakagadziriswa purogiramu yekuvhara nguva yenguva iri pakati pezvikwereti. Izvi zvingabatsira kubvisa preexisting chimiro chepamutemo pane inshuwarisi yako.

Mazano:

1. Iko Inogadziriswa Care Act inoreva kuti kana iwe ukarasikirwa nehupfumi yeruzhinji iwe unogona kutarisana nezvikwereti zvakakomba uye chirango. Pane nzira dzakajeka dzekuti Affordable Care Act inobata vanhu mumakore makumi maviri . Iwe unogona kushandisa zvinyorwa zvakasiyana-siyana zveinishuwarenzi iyo chiito chinopa. Tora nguva yekusarudza sarudzo yakarurama uye kuchengetedza utano hwako hwehutano. Kana iwe usina hutano inshuwarheni, iwe unogona kutarisana nemari uye zvikwereti .

1. Imwe nzira inogona kunge iri nguva shomanana yehutano inshuwalhu . Iyi inshuwarisi inovhara haina kukodzera pasi peCountable Care Act. Zvisinei, inokudzivirira kubva kune zvinotyisa zvemari. Iwe unogona kuongorora izvi kana iwe wakanyatsoomeswa pamari uye pfungwa yokuti hapana inshuwarisi inovhara iwe inokukanganisa iwe.
2. Iyo mitemo inopoteredza inshuwarisi yehutano inogona kuchinja zvakare Hazvina mhosva kuti mitemo chii, zvakakosha kuva nehutano inshuwarisi. Zvinokuchengetedza kubva pane zvakanyanya kuitika zviitiko sematambudziko akakomba kana zvimwe zvirwere zvehutano zvakadai sekugadzirisa zvinogona kuita kuti zvive zvakaoma kupora mari uye chimwe chinhu chakakomba sekenza chinogona kuparadza pasina utano hwehutano inshumo. Iva nechokwadi chekuti iwe unoda chirongwa chepamusoro chehutano hwehutano hwepamusoro kuti ufukidze zviitiko izvi. Gadzirai mari yekukurumidza kuvhara iyo yakakodzwa.