Umshuwalense wezokwelapha ngaphandle kokuphepha komphakathi kwabangabhalisiwe. Uyazi ukuthi umshwalense wezempilo ubaluleke kangakanani. Ngaphandle komshuwalense wezempilo, ungabhekana nezindleko ezinkulu zezokwelapha nezibhedlela.
Umshuwalense wezempilo ngaphandle kwenombolo yokuphepha komphakathi (usebenzisa i-ITIN esikhundleni se-SSN)
Umshuwalense wezokwelapha e-United States wezifiki. Inombolo yokuphepha kwezenhlalo ayidingeki kumshuwalense wezempilo, kepha uma ufaka isicelo sokutholakala ekushintshaneni okuqhutshwa uhulumeni, udinga ukuqinisekisa isimo sokufuduka esisemthethweni. Ababhali bomshuwalense wokuhweba njengeNkululeko Yenzuzo ngeke babuze ngesimo sabokufika.
Akukho mehluko kunqubo yesicelo somshuwalense lapho ufaka isicelo ngaphandle kwe-SSN; vele usebenzise i-ITIN enkambini yezinombolo zokuphepha komphakathi nganoma iyiphi inqubomgomo efakwe kuhlu ku- Izinzuzo Zenkululeko noma ukuhwebelana komshwalense okuvunyelwe.
Ukuze kube lula kuwe, nansi eminye yezinqubomgomo zomshuwalense ezithandwa kakhulu kwabokufika nakwabanye abafaka izicelo ngaphandle kwenombolo yokuphepha komphakathi. Zonke ziyatholakala online.
- Isifiki esingenayo - Ngokuvamile inani elingcono kakhulu lalabo abese-US isikhathi esingaphansi kweminyaka emibili
- Umshuwalense oyisisekelo wezokwelapha: Ukukhishwa okuqinisekisiwe kokutholakala komshuwalense wenzuzo elinganiselwe (ayikho imibuzo yezokwelapha) engasetshenziswa nanoma yimuphi udokotela noma isibhedlela. Kufaka ukumbozwa kwenkululeko kwezimo ebezikhona ngemuva kokuthi inqubomgomo isebenze izinyanga eziyi-12.
Inombolo kamazisi yomkhokhi wentela ngamunye (i-ITIN) noma izinombolo zokuqala eziyisishiyagalolunye zenombolo yepasipoti zisengamukelwa esikhundleni senombolo yokuphepha kwezenhlalakahle kulesi sicelo. Ukufaneleka kweningi lezinhlelo zomshuwalense wezempilo kusekelwe kuphela lapho uhlala khona futhi ukuba yisakhamuzi akuyona inkinga.
A I-ITIN (Inombolo Yokuhlonza Yomkhokhintela Ngamunye) ekhishwe yi-Internal Revenue Service (IRS) yoMnyango Wezezimali wase-US Isetshenziswa kakhulu esikhundleni senombolo yokuphepha komphakathi (SSN) kunoma yisiphi isicelo somshuwalense somfakisicelo ngaphandle kwe-SSN. I-IRS idinga ukuthi inkampani yomshuwalense ithole i-SSN noma i-ITIN yanoma yimuphi umninipholisi ongathola inkokhelo enkulu yomshwalense.
Uhulumeni wesifundazwe unikeza imininingwane eyengeziwe ngezinombolo kanye imibhalo engasetshenziswa esikhundleni senombolo yokuphepha komphakathi esicelweni somshuwalense wezempilo. Uyacelwa ukuthi uqaphele ukuthi amathiphu kahulumeni wesifundazwe asebenza ngokukhethekile ezinsizakalweni zokubhaliswa komshuwalense ezilawulwa ngokuhlanganyela.
Sicela wazi ukuthi kuthatha amasonto ayisithupha ukuthola i-ITIN ngakho-ke sicela uhlele kusengaphambili uma uyidinga. Izinqubomgomo zomshuwalense wamazwe omhlaba zakwamanye amazwe e-US azidingi i-SSN noma i-ITIN, ngakho-ke lokhu kungaba yindlela engcono yesidingo somshuwalense wesikhashana.
Usizo lwezokwelapha lwabantu abangenawo amaphepha angenayo inombolo yokuphepha komphakathi
Uma useMelika ngokusemthethweni, unezinketho ezimbalwa. Sizibhala ngezansi.
Inketho yokuqala: uhlelo lwesinxephezelo
Inketho yokuqala i Uhlelo lomshuwalense wesibambiso ngenqubomgomo ebalulekile yokubika ( UMHOLI ) ukufeza igunya lomuntu ngamunye le-ACA. Izinhlelo zomshuwalense we-indemnity aziqondaniswa neminye imishwalense. Unenketho yokwabela izinzuzo kumhlinzeki noma kuwe. Uma wabela wena inzuzo, ungenza noma yini oyifunayo ngemali.
Umgomo we-MEC uhlinzekela ukunakekelwa kokuvikela ukuze kuhlangatshezwane negunya lomuntu ngamunye le-ACA. Ukunakekelwa kokuvimbela kufaka phakathi ukuhlolwa, isibhamu, njll.
Umshwalense wesibambiso okhona ubandakanya uhlelo lwenzuzo olungaguquguquki oluzokhokhela noma yikuphi ukuhlala esibhedlela, izifo ezibucayi nezingozi.
Udinga inombolo yokukhomba intela, eyaziwa nangokuthi inombolo kamazisi yomuntu siqu yomkhokhi wentela (ITIN). Sike sakhuluma ngalokhu phambilini uma udinga i- umshuwalense wokuphila futhi awunayo inombolo yokuphepha komphakathi . Uma une-ITIN, ungathola umshuwalense wezempilo ezinkampanini eziningi. Ungahle ungakwazi ukuthola umshuwalense wezempilo ngaphandle kokushintshisana, kepha uzokwenze nabanye babahlinzeki esisebenza nabo.
I-ITIN ayibheki isimo sabokufika. Imane ikunikeze indlela yokukhokha intela yakho. Cishe bonke abathwali bazodinga uhlobo oluthile lokuhlonza, futhi i-ITIN iyafaneleka kwezinye izimo.
Amaphrimiyamu alezi zinhlelo ngokuvamile angama-50% ngaphansi kohlelo lwe-ACA / Exchange. Basebenza kahle kulabo abafuna ukulawula okuningi ngaphezulu kwezinketho zabo zokunakekelwa kwezempilo, izindleko, nokuphathwa kwezindleko.
Le akuyona inketho ethandwa kakhulu, yize ingakongela imali ngokuhamba kwesikhathi. Ngakolunye uhlangothi, izakhamizi eziningi zaseMelika zithambekele kulolu hlobo lomshuwalense njengoba izindleko zomshuwalense wezempilo ziqhubeka zikhuphuka.
Inketho yesibili: inqubomgomo yezokwelapha yesikhashana
Unenye inketho. Ungacela i- inqubomgomo yezokwelapha yesikhashana . Iyini inqubomgomo yezokwelapha yesikhashana? Kuyinqubomgomo eyenzelwe ukuhlala isikhathi esingaphansi kwezinyanga eziyi-12, yize, ngokuya ngesimo sakho, izifundazwe eziningi zivumela iminyaka engafinyelela kwemithathu yokumbozwa. Kwenzekani ekupheleni kwekota? Lowo ngumbuzo omuhle. Kufanele ufake isicelo kabusha. Lokho kusho ukuthi uma kutholakala ukuthi unesifo esibi noma ingozi phakathi nalesi sikhathi, mhlawumbe ngeke ihlanganiswe ngokuzayo. Lokhu ukucatshangelwa okubalulekile ukukuqonda.
Ungahle ucabange ukuthi uzoba ngaphansi kwemibandela yokubhala phansi kanye nezimo ebezikhona ngaphambili uma ufaka isicelo kabusha. Ngokuvamile, kunjalo. Ngomhlinzeki esisebenza naye, lokho akuyona. Izimo ezivele zikhona zinamathiselwe kuhlelo lwakho lokusebenza lokuqala. Kepha, ngemuva kokulungiswa, noma ikuphi ukukhathazeka ngempilo kuzobhekwa kuzicelo zesikhathi esizayo! Lokho kusho ukuthi uzobuyiselwa emuva uma unesimo esibi sempilo.
Zihlanganisani lezi zinhlelo zezempilo zesikhashana? Yebo, cishe yonke into, kufaka phakathi:
(1) Ukuvakasha kodokotela nezibhedlela
(2) Ukuvakashela igumbi lezimo eziphuthumayo kanye nensizakalo ye-ambulensi
(3) Umsebenzi weLaboratory, imaging
(4) Izivivinyo zokuxilonga, ukuthola umdlavuza
(5) Okuningi
Amanye amasevisi awahlanganisiwe. Sixoxa ngazo ngezansi.
Amaphrimiyamu acishe abe ngu-20% kunezinqubomgomo ezinkulu zezokwelapha eziqhathaniswayo futhi acishe abe ngu-50% izindleko ezingaphandle kwezikhwama (okungukuthi imali edonswayo, ama-copay, i-coinsurance).
Lezi zinqubomgomo azihlangabezani ne-ACA's Minimum Essential Coverage (MEC). Njengalokhu, kungadingeka ukuthi uthenge inqubomgomo ye-MEC ehlukile ukufeza igunya le-ACA ngalinye.
Izinhlelo zezokwelapha zesikhashana esifushane ngokuvamile azidingi i-ITIN. Ngokuvamile, okuwukuphela kwesidingo ukuthi uhlale e-United States. Lolu wuhlelo lomshuwalense wezempilo olungadingi ukuthi abantu babe nenombolo yokuphepha komphakathi.
Izinsizakalo ezingamboziwe - ZIBALULEKILE
Njengoba lezi zinhlelo zingalandeli izinhlelo ze-ACA / Obamacare, kukhona ezinye izinsizakalo ezingamboziwe. Lezi zinsizakalo zifaka, kepha azikhawulelwanga ku:
(1) Imishanguzo kadokotela - Sinikeza ngohlelo oluhlukile lomshwalense wezidakamizwa noma uhlelo lwesidakamizwa semithi esinqunyelwe
(2) ukukhulelwa okujwayelekile, ngakho-ke uma ufuna ukumbozwa kokukhulelwa, le nqubomgomo NGEKE ikhokhe
(3) izimo esezikhona: imvamisa izinyanga eziyishumi nambili zokubheka emuva
Inketho ngayinye nayo inezikhangiso ezithile. (Qaphela: ukwenza izinto obala, sibuyekeza lokhu okungafakwa.)
Ukubhaliswa kuyadingeka ngalezi zinketho. Imvamisa, inqubo yokubhala phansi yinkinga yemibuzo yezempilo kanye nengxoxo yocingo.
Uyacelwa uqaphele ukuthi uzoba nezindleko eziphuma ephaketheni nganoma yiluphi uhlelo; zonke izinhlelo zomshuwalense wezempilo zinolunye uhlobo lokwabelana ngezindleko.
Inketho yesithathu: umshuwalense wezokwelapha wokuhamba okwesikhashana
Uma une-VISA noma usuzothola i-VISA, i umshuwalense wezokwelapha wokuhamba okwesikhashana Futhi kuyasebenza. Sisebenza nabo bonke opharetha abakhulu lapha. Kunezinketho zombuso ngamunye. Noma kunjalo, lokhu kuyatholakala kubantu abane-VISA. Kungani? Uma ufaka isicelo, i-VISA yakho isekela imibhalo futhi ifakazela ukuhlala kwakho okusemthethweni e-US.
Umshuwalense wamazinyo wabangenawo amaphepha
Isivakashi sethu siyabuza:
Umzala wami, ongenazo izincwadi, ufuna umshwalense wamazinyo. Uneminyaka engu-18, wazalelwa eMexico futhi walethwa lapha enezinyanga eziyisithupha. Njengamanje usebenzela ukuthola amaphepha akhe, noma kunjalo, usezinhlungwini ezinzima futhi udinga ukwelashwa ngezimpande kwelinye lamazinyo akhe angaphambili, futhi unezimbobo ezi-2 ezidinga ukunakwa. Ngizimisele ukukusiza ngokwezezimali, noma kunjalo, uma kunikezwa izikhathi zamanje, izimali zami nazo zilinganiselwe. Ungasidlulisela noma usisize ngolwazi lomshuwalense wamazinyo ongabizi womuntu obhalwe phansi?
Impendulo:
Okokuqala, zonke izinqubomgomo zomshuwalense ezikhishwe e-US zidinga uhlobo oluthile lwezinombolo zokuhlonza ezikucela uhlelo. Uma kungeyona inombolo yokuphepha komphakathi, umfakisicelo angasebenzisa inombolo ye-VISA noma inombolo kamazisi ethile yomkhokhi wentela (ITIN). Inombolo ngokuvamile ayiqinisekiswa kunqubomgomo yamazinyo, kodwa inombolo iyadingeka ukuze isicelo sicutshungulwe. Iningi lezinhlelo zomshuwalense wamazinyo ziyatholakala kwizakhamizi ezingezona zase-US.
Okwesibili, udinga umshwalense ohlinzeka ngokutholakala ngokushesha kwezinqubo ezinkulu zamazinyo. Okuwukuphela komuntu owenza lokhu ngaphandle kwesikhathi sokulinda yi-Core Dental Insurance at http://freedombenefits.net/affordable-health-insurance/Core-Dental-Insurance.html . Ukushintshana ngezinzuzo ezisheshayo, inqubomgomo idinga ukubhaliswa okungenani izinyanga eziyi-12. Ukuhlanganiswa kukhishwa ngokushesha ngohlelo oluku-inthanethi. Ubufakazi bokumbozwa bungalandwa ngaphambi kokuthi ikhadi le-ID lifike ngeposi. Uhlelo lokusebenza lucela inombolo yokuphepha komphakathi, kepha enye inombolo yokukhomba ingasetshenziswa.
Okokugcina, ukuthola eminye imininingwane, izinkampani zomshuwalense azikubheki ukuvakashelwa ngokomthetho noma isimo somfakisicelo sokufika. Ukufaneleka kusekelwe kuphela ezindleleni zokufaneleka ezishicilelwe umshwalense. Le nqubo ingafaka ubude bendawo yokuhlala noma ubuzwe base-US, kepha ayikaze ibuze ngesimo esisemthethweni sokuhlala.
isiphetho
Ukhathazekile ngokungabi nenombolo yokuphepha komphakathi? Usengathola umshuwalense wezempilo. Inketho eyodwa uhlelo lokuvikela futhi enye inketho uhlelo lwezokwelapha lwesikhashana. Ungathenga futhi nomshuwalense wezempilo wesikhashana. Yikuphi okulungele wena? Lokho kuya ngezidingo zakho nesimo sakho. Ngokuvamile, siphumile kulo mkhakha womsebenzi, kepha uma ungathanda ukuthola eminye imininingwane, sicela ungangabazi ukuxhumana nathi. Sisebenza kuphela nabantu abazimisele ngokunakekelwa kwempilo yabo. Uma uzimisele, xhumana nathi. Uma udoba imininingwane, kunendlela elula.
Okuqukethwe
- Umshuwalense wezempilo ngaphandle kwenombolo yokuphepha komphakathi (usebenzisa i-ITIN esikhundleni se-SSN)
- Usizo lwezokwelapha lwabantu abangenawo amaphepha angenayo inombolo yokuphepha komphakathi
- Inketho yokuqala: uhlelo lwesinxephezelo
- Inketho yesibili: inqubomgomo yezokwelapha yesikhashana
- Izinsizakalo ezingamboziwe - ZIBALULEKILE
- Inketho yesithathu: umshuwalense wezokwelapha wokuhamba okwesikhashana
- Umshuwalense wamazinyo wabangenawo amaphepha
- isiphetho
- Kubiza malini ukuhlolwa kwezokwelashwa kwabokufika?
- Ngingayisebenzisa I-Itin Number Ukusebenza?
- Izidingo Zama-visa Womsebenzi e-United States
- Ungaba Kanjani Isakhamuzi SaseMelika Ngaphandle Kokukhuluma IsiNgisi
- Kuhlanganisani ukuhlolwa kwezokwelapha kwabokufika?
- Izibonelo Zezincwadi Zokuxolelwa Kwabokufika - ...