COBRA inshumo inokupa iwe kukwanisa kuenderera mberi kune vashandi vako vehurumende inshuwarano chirongwa kusvikira kumwedzi gumi nemasere mushure mekunge mavhara basa. Iwe unogona kushandisa COBRA kana iwe wakasiya kana kana wakadzingwa. COBRA inshuwarheni inowanzova nehuwandu hwepamusoro nokuti iwe unobhadhara mubayiro wakakwana, kusanganisira zvawakabhadhara iwe iwe. Kana iwe uchiedzwa kuti uende usina inshuwarisi, zvakakosha kuyeuka kuti iwe unogona kutarisana nemari kana usisina yunishuwarenzi kuburikidza neAne Affordable Care Act. Kana iwe uchinzwa sokuti haugone kuwana inshuwalhu yehutano, zvinokosha kuziva kuti pane zvimwe zvingasarudzwa kwauri.
01 Mushonga Wemazuva Ekupedzisira Utano
Mishonga yemazuva mashoma yemishonga inshuwarisi inewo mitemo yakasimba pamusoro pekugovera. Kana iwe uri nepamuviri kana kana wawakaroorana naye kana wawakaroorana naye ari nepamuviri, unogona kunge une nguva yakaoma yakakodzerwa nehutano hwehutano hwehutano inshuwarisi. Uyezve, mutemo unogona kuva nehupenyu hwakaderera-nguva uye gore negore sezvo izvi zvisingafanirwi kuva nguva refu.
02 Utano Hwehutano Uchishandisa Nyika Yenyu Health Exchange
Pasi pemutengo unochengetedza mutemo, unogona kukodzera rubatsiro kubhadhara inshuwarhu yako yehutano kuburikidza nehutano hwehutano inshuwarheni. Kurasikirwa nebasa rako uye utano hwehutano inshuwarheni hunoita sechiitiko chakakodzera uye iwe unogona kukodzera usina kumirira kubhadhara pachena. Iyi ndiyo nzira inobatsira, uye mitemo yose ichasangana neAne Affordable Care Act yehutano yveshuwarenzi.
Zvirongwa izvi zvingava sarudzo yakanaka kana ukasangana nemari inowanikwa kwavari. Zvisinei, kana iwe usingadaro iwe uchada kutarisa hutano hwehutano hwehutano huripo huripo.
03 Independent Health Insurance
Imwe nzira inoshandiswa kune inshuwarisi yeCOBRA ndiyo inorasikirwa yehutano inshuwarisi yemutemo Pane mitemo ine hutano hwakanaka pamutengo wakaderera kune inshuwarisi yeCOBRA. Ichi chinhu chakanaka kana iwe usina mamiriro ekurambidza kana iwe usina kuroorwa. Iyi inishuwarenzi inogona kuramba iwe chero bedzi iwe uchida. Iko mari inogona kuwedzera gore negore. Iwe unogona kusarudza chirongwa chekudzikinura uye chekubhadhara chinonyatsokodzera zvaunoda. Muongorori wehutano wehutano unogona kukubatsira kuti uve nechokwadi chokuti hurongwa hunofanirwa neHour Affordable Care Act mirayiridzo.
Iwe unogona kutarisa zvirongwa izvi muIndaneti kana unogona kuwana mugovereri we inshuwarisi uyo anonyanya kukosha muhutano inshuwarisi. Mamwe makambani angave ane vashandi chete nekuda kwemitemo yayo. Iwe unogonawo kutarisa munhu anozvimirira uyo achakuratidza mazano akasiyana-siyana kubva kumakambani akasiyana-siyana.
04 High Deductible Health Insurance
Chirongwa chehutano hwehutano hwehutano hwakakosha ndiyo imwe nzira yakanakisisa kune COBRA inshuwarisi. Zvirongwa izvi zvine purogiramu yakaderera pamwedzi, asi iwe unoregererwa zvakanyanya kuti usangane pamberi pekugoverwa mukati. Iyi ndiyo mhinduro huru kana uri kutsvaga nzira dzekuchengeta mari munguva dzakaoma. Iwe unogona kugadzira nhoroondo yehutano yekuchengetedza pamwe chete nekambani yakakosha deductible.
Iyi ndiyo nzira yakanaka kana iwe uchifunga kuti haungashandisi inshuwarisi, asi unoda kuva nayo chete kana zvichiitika. Iko rudzi rwehurongwa huchakuchengetedza kubva kune mari inodhura yakawanda yehutano, asi iwe uchada kubhadharira zvachose chiremba wako anoshanyira kusvika iwe uchingosangana nekutora kwako.
05 Funga Kushandisa COBRA Yako Sarudzo
Uyezve, unofanira kufungidzira mari yeCOBRA uye kugoverana kwaunopa paunosarudza. Dzimwe nguva kugoverwa kunopiwa kunogona kuva kwakanaka kwazvo kana iwe ungada chirongwa ichi cherongwa nekuda kwemhuri yako kana yehutano hwehutano. Nyatsofungisisa mari yepamwedzi yepamwedzi yepamwedzi pamwe nekunze kwe-pocket mari yepurogiramu iyi paunotarisa pane dzimwe zvasarudzo.
COBRA inokupa mazuva makumi matanhatu kuti uone kana uchida kugovera. Iwe unogona kusarudza kumirira nechisarudzo ichi kana uchiziva kuti uchava nehuwandu mumazuva makumi matanhatu uye wozobhadhara premium kana iwe wapedzisa uchida inshuwarisi. Kana iwe ukaita izvi, iwe unogona kutarisana nemitambo pasi peAne Affordable Care Act zvakadaro.
06 Sarudza Nzira Yakarurama
Kuti uite chisarudzo chakanaka pamamiriro ako ega, iwe unofanira kutarisa pane zvese zvaunogona kuwana. Dzimwe nguva mari yeCOBRA inogona kunge isingadhura kupfuura dzimwe nzira. Iwe unogonawo kuenda nehutano hwehutano hwehutano kwenguva pfupi iwe uchimirira kubvumirwa pane zvakakosha zvakakosha kana urongwa hwehutano hwehutano hwehutano. Kana uine mhuri, iwe unogona kuongorora kushandisa inshuwarisi yakasiyana kune imwe nhengo yemhuri zvichienderana nehupenyu hwemunhu. Iwe unofanirwa kudzivisa zvinhu zvakadai semagariro ehutano, anonzwika sehutano inshuwarhu, asi chaizvoizvo hausi.