Lapho Uthola Khona Umshwalense Wezempilo
Kuya Ngomsebenzi Wakho, Umndeni, kanye Nemali Engenayo.
Marketplace
I-Health Insurance Marketplace yilapho abantu nemindeni bengathenga futhi babhalisele izinhlelo zezempilo. Abantu abaningi bangathola usizo lokukhokhela uhlelo lwabo ukuze lubize kancane. Ungabhalisa ngesikhathi sokubhaliswa okuvulekile (kusukela ngoNovemba 1 unyaka ngamunye) noma uma une ushintsho olukhulu lwempilo.
I-Medicaid
I-Medicaid wuhlelo lomshwalense wezempilo oluxhaswe nguhulumeni noluxhaswe nguhulumeni. Awudingi ukukhokha amaphrimiyamu noma izimali zokubhalisa. Awudingi ukukhokha izinkokhelo, i-coinsurance, noma imali edonswayo ngamasevisi. Ungafaka isicelo se-Medicaid noma nini.
Ungabona ukuthi uyafaneleka yini ku ImpiloYakho.gov ngokwakho. Kodwa akumele ukwenze wedwa. Amatilosi nikeza usizo lwamahhala lwemibuzo noma usizo lokubhalisa.
Amatilosi
Abasizi bethu abaqeqeshiwe (ababizwa ngokuthi Ama-Navigator) bangaphendula imibuzo yakho, bakusize ukhethe futhi ubhalisele uhlelo lwezempilo—futhi bachaze ukuthi ungalusebenzisa kanjani ukuze uthole izinzuzo eziningi.
Amagama Omshwalense Ajwayelekile nokuthi Asho Ukuthini
Uhlelo ngalunye lwezempilo lunezindleko ezihlukile ozikhokhayo, njengamakhophi nezinye izindleko eziphuma ephaketheni zokunakekelwa.
Premium
Leli inani olikhokhayo nyanga zonke ukuze ugcine umshwalense wakho wezempilo.
Inkokhelo (i-Copay)
Lena inani elimisiwe lemali oyikhokhayo isikhathi ngasinye lapho uthola usizo lwezokwelapha noma incwadi kadokotela. I-copay ngokuvamile ikhokhwa ngesikhathi sesevisi.
Ukunikezela
Inani olikhokhela izinsizakalo zokunakekelwa kwezempilo ngaphambi kokuba umshwalense wakho wezempilo uqale ukukhokha.
I-Out-of-Pocket Maximum
Yonke into* oyikhokhelayo ngamasevisi—imali edonswayo, ama-copay, ne-coinsurance—ibalwa ngaphansi kwezindleko zakho eziphuma ephaketheni lakho. Uma usufinyelele inani eliphezulu eliphuma ephaketheni, umshwalense ngokuvamile uqala ukukhokha izindleko ezengeziwe futhi i-coinsurance yakho iyaqala. *Izindleko zakho zeprimiyamu zanyanga zonke azibalwa njengezindleko eziphuma ephaketheni.
I-Coinsurance
Iphesenti olikhokhela izinsizakalo ngemuva kokuthi uhlangabezane nemali edonswayo. Isibonelo: Inani lakho le-coinsurance lingase libe ngu-20%. Uma ukuvakasha kwakho kodokotela kubiza u-$100 futhi usuvele uhlangabezane nemali edonswayo, uzokhokha u-$20 (okungu-20% we-$100). Umshwalense wawuzokhokha enye ingxenye.
Umdabu waseMelika? Funda mayelana nezinketho zakho zomshuwalense wezempilo lapha.
Yazi Inethiwekhi Yakho Yomshuwalense Wezempilo
Inethiwekhi yakho yabahlinzeki iwuhlu lodokotela nezibhedlela ezisebenza nohlelo lwakho lwezempilo. Odokotela noma izibhedlela kunethiwekhi yakho zibizwa ngokuthi “kunethiwekhi” futhi ngokuvamile zibiza kancane. Odokotela noma izibhedlela ezingekho kunethiwekhi yakho "azikho kunethiwekhi" futhi ngokuvamile zibiza ngaphezulu.
Ingabe Unayo Imibuzo?
Gcwalisa ifomu lokuxhumana futhi i-Navigator izofinyelela kuwe. Sizophendula imibuzo yakho, sikubonise izinketho zakho, futhi sikusize ukuthi ubhalise ngendlela efanele!
Ngemininingwane engaphezulu
UBrittany Zephier
I-Navigator Programme Manager
bzephier@communityhealthcare.net
605-277-8405
Sioux Falls
196 E 6th Street, Suite 200
I-Sioux Falls, i-SD 57104
605-275-2423
Leli khasi lisekelwa i-Centers for Medicare and Medicaid Services (CMS) yoMnyango Wezempilo Nezinsizakalo Zabantu wase-US (HHS) njengengxenye yomklomelo wosizo lwezezimali onesamba esingu-$160,000 ngamaphesenti angu-100 axhaswe yi-CMS/HHS. Okuqukethwe okwababhali futhi akumele ngempela imibono esemthethweni ye-CMS/HHS, noma uHulumeni wase-US.