Ngikhulelwe futhi anginawo umshuwalense wezempilo e-USA

Ngikhulelwe futhi anginawo umshuwalense wezempilo e-USA, yiziphi izinketho zami?

Kunezinketho eziningi zokuthola umshuwalense wokubeletha uma ukhulelwe.

Kodwa-ke, kufanele ufunde ngezihloko ezimbili ezibalulekile.

Abesifazane abahola imali eningi kakhulu ukufanelekela I-Medicaid bangathenga uhlelo oluyimfihlo ngaphandle kwezikhathi zokulinda.

Omama abalindelekile bangaqala ukumboza nganoma yisiphi isikhathi sonyaka uma behlangabezana nomcimbi ofanele wokuphila njengokushada nobaba, ukuthuthela kwi-zip code entsha, noma ukuba yisakhamuzi sase-US.

Ukukhulelwa: Umshuwalense wezempilo Asikho isikhathi sokulinda

Abesifazane abakhulelwe banezinketho eziningi zokuthola umshuwalense wezempilo wokukhulelwa ngaphandle kwezikhathi zokulinda. Ezinye izindlela zihlanganisa ukunakekelwa kokubeletha kanye nezicelo zabasebenzi kanye nokulethwa kwezinsizakalo ezinikezwe ngokushesha ngemuva kosuku lokuqala kwenqubomgomo, futhi kwesinye isikhathi ngaphambili.

I-Medicaid inketho ekhethwayo ngenxa yezindleko eziphansi , izinzuzo ezitholwa kabusha nokubhaliswa okusheshayo. Izinhlelo ezizimele nazo zisiza abanye besifazane abakhulelwe khona manjalo, kepha hhayi kakhulu.

Isimo esivele sikhona

Into yokuqala okufanele uyazi ukuthi izinkampani azikwazi ukubheka ukukhulelwa isimo esivele sikhona somshuwalense wezempilo. Ngaphansi koMthetho Wokunakekelwa Ongabizi, izinhlelo zezempilo ezizimele kumele zihlanganise zonke izimo ezihlobene nokubeletha ngaphandle kwesikhathi sokulinda. Futhi, inkampani ayikwazi ukuphika ukumbozwa ngoba vele ulindele ingane.

Kodwa-ke, ngenkathi ukukhulelwa kungesona isimo esivele sikhona, futhi ngeke ukwazi ukubhalisela umshuwalense wezempilo wangasese nganoma yisiphi isikhathi ofuna ngaso. Ukufunda kungaqala kuphela ngesikhathi sokubhalisa esisodwa.

• Ukubhaliswa okuvulekileyo konyaka kunosuku olusebenza ngoJanuwari 1. Ungakhetha ukumbozwa kusuka ngoNovemba 1 kuya kuDisemba 15 wonyaka owedlule.
• Isikhathi sokubhalisa esikhethekile siqala noma iyiphi inyanga yonyaka. Ukhetha uhlelo kungakapheli izinsuku ezingama-60 zomcimbi ofanele futhi ukumbozwa kusebenza ngempumelelo^kuqalausuku lwenyanga elandelayo.

Ngokusobala, Isikhathi Esikhethekile Sokubhalisa sinikeza ukumbozwa kokubeletha okuhle kakhulu ngaphandle kwesikhathi sokulinda, kanti Ukubhaliswa Kwonyaka akunjalo, ngaphandle kokuthi uthole le ndatshana ngoNovemba noma ngoDisemba. Kodwa-ke, kufanele ube nomcimbi wempilo ofanelekile ukusizakala ngesikhathi esikhethekile sokubhalisa.

Imicimbi Yokuphila Efanelekayo

Ukukhulelwa akuwona umcimbi wokuphila ofanelekayo womshuwalense wezempilo wangasese ngaphansi koMthetho Wokunakekelwa Ongabizi. Lokhu kusho ukuthi abesifazane abakhulelwe kumele babe nesizathu esihlukile sokufanelekela ukumbozwa kokubeletha ngaphandle kokulinda ukubhaliswa minyaka yonke.

Imithetho iyahlukahluka kancane ezinhlelweni ngazinye, ukumboza iqembu emsebenzini, nangemva kokuba usuthole ingane yakho.

Izinhlelo zomuntu ngamunye

Ngezansi kukhona imicimbi yokuphila efanelekile ekwenza ufanelekele isikhathi sokubhalisa esikhethekile emakethe ngayinye.

• Ukulahleka kokuzithandela kokunye ukumbozwa.
• Shada nobaba wengane.
• Ukuhambisa ikhodi entsha ye-zip
• Ukuba yisakhamuzi sase-U.S
• Iphutha lokubhalisa ebelingelona iphutha lakho

Cela isilinganiso somshwalense wezempilo wokukhulelwa uma uhlangabezana neyodwa noma ngaphezulu yale mibandela. Umenzeli angakuthinta ukuze axoxe ngezinketho.

• Uhlangabezane nomcimbi wokuphila ofanele ezinsukwini ezingama-60 ezedlule.
• Manje sekunguNovemba noma uDisemba (ukubhaliswa konyaka)
• Uhlala enyakatho yeNew York futhi ujabulele imithetho ethambile

Umthetho womshuwalense waseNew York ichaza ukukhulelwa njengomcimbi ofanelekile wokuphila. Futhi, hlola imithetho esifundazweni sakho njengoba imithetho ishintsha njalo. Thola uhlu olusemthethweni yezizathu uhulumeni wesifundazwe lapha.

Amaqembu abaqashi

Uhlu lwemicimbi yempilo efanelekela umshuwalense wezempilo osuselwa kumqashi uyafana, kepha ngomehluko owodwa obalulekile. Ukuqashwa okusha kufanelekela ukubhaliswa okukhethekile (noma ngasiphi isikhathi sonyaka) ngemuva kokusebenza isikhathi sokuhlolwa somqashi.

Umqashi ngamunye ukhetha isikhathi sakhe sokulingwa. Isikhathi singaba yizinsuku ezingama-0, izinsuku ezingama-30, izinsuku ezingama-60, izinsuku ezingama-90 noma ngaphezulu. Ngakho-ke, ukuthola umsebenzi omusha onikeza umshuwalense wezempilo kungenye indlela yokuthola umshuwalense wokubeletha ngaphandle kwesikhathi sokulinda.

Ukuba nomntwana

Ukuba nengane nakho umcimbi ofanele wokuphila womshuwalense wezempilo. Ngemuva kokubeletha, unezinsuku ezingama-60 zokwengeza usana lwakho olusanda kuzalwa kuhlelo olukhona noma ukuthenga inqubomgomo yomuntu ngamunye enganeni yakho.

Noma kunjalo, ushintsho kufanele luhambisane nomcimbi. Leli akulona ithuba lokuthola ukumbozwa komama. Uhlelo olusha akunakwenzeka ukuthi lukhokhele abasebenzi besibhedlela kanye nokubeletha

I-Public Medicaid

IMedicaid inikeza umshuwalense wokubeletha kwabesifazane asebekhulelwe asebevele bengenaso isikhathi sokulinda. Eqinisweni, lokhu kufakwa esidlangalaleni kungakhokha nezimangalo zezinyanga ezi-3 ngokuziphindiselela. Hlola imithetho esifundazweni sakho lapho ubhalisa.

Ngokwengeziwe, iMedicaid ayiphoqi noma yiluphi uhlobo lwemikhawulo yesikhathi sokubhalisa. Ungaqala ukumbozwa khona manjalo ngaphandle kokulinda kuze kube nguJanuwari. Futhi, awudingi ukuhlangabezana nomcimbi ofanelekile wokuphila ozoqala maphakathi nonyaka.

Noma kunjalo, umbuso ngamunye ubeka imingcele yemali engenayo. I-Medicaid ingaphika omama abakhulelwe abahola imali eningi kakhulu. Umkhawulo wemali engenayo ulungiswa ngosayizi womndeni futhi ungabandakanya izingane zakho ezingakazalwa. Bona ngezansi ukuthola izinketho uma ungafaneleki.

Umshuwalense wokukhulelwa lapho usuvele ukhulelwe

Kukhona ezinye izinketho okufanele uzicabangele ngomshwalense wokubeletha lapho usukhulelwe vele. Ungahle ukwazi ukuthola usizo ngokunakekelwa kokubeletha, ama-ultrasound, ukubeletha kanye nokulethwa ukulethwa. Ukunakekelwa okufanele kwezokwelapha nangomlomo kubalulekile empilweni kamama nengane yakhe.

Uhulumeni wesifundazwe uhlinzeka ngemixhaso esuselwa kumholo kwabesifazane abahola imali eningi kakhulu ukuze bafanelekele iMedicaid. Futhi, uhlelo lwabazali bakho lungahlinzeka ngokumbozwa. Futhi, izinhlelo zombuso zingakusiza ngesikhathi sekhefu lakho lokubeletha.

Ukuhlanganiswa kwabazali

Ngabe umshuwalense wabazali bakho uzokhokha ukukhulelwa kwakho? Ukutholakala kokukhulelwa okuxhomekile kuyinkinga yentsha kanye nabantu abadala abangaphansi kweminyaka engama-26 abathembele ohlelweni lwabazali babo. Ngeshwa, asikho isiqinisekiso sokuthi uhlelo lwabazali bakho luzohlanganisa zonke izici zokunakekelwa kwakho ngenkathi ulindile.

Le yindawo yokuqala ebonakalayo. Kodwa-ke, ungacabangi ukumbozwa okuphelele kokubeletha. Qiniseka ukuthi ubuza imibuzo efanele ngendlela efanele kubantu abafanele.

Amaqembu abaqashi

Cishe ama-70% wezinhlelo zomshuwalense wezempilo ezisuselwa kubaqashi azibandakanyi ukukhulelwa okuxhomeke kubo. Lokhu kusho ukuthi amadodakazi amaningi asekhulile namancane asemadala kungadingeka ukuthi acabangele ezinye izindlela.

Imithetho emibili yenhlangano isinda kakhulu odabeni futhi ishiya izikhala ezinkulu.

1. Umthetho Wokucwaswa Kwabakhulelwe udinga izinhlelo zokunakekelwa kwezempilo kweqembu ukumboza ukunakekelwa kokubeletha kanye nezinsizakalo ezihlobene. Kodwa-ke, le mfuneko ayidluli kulabo abathembele kuye.
2. Umthetho Wokunakekelwa Ongabizi kakhulu udinga izinhlelo zeqembu ukumboza ukunakekelwa kokuvikela ukubeletha kwabakhulelwe abancike kuye. Kodwa-ke, lokhu akukwandisi ukuya esibhedlela esibiza kakhulu sabasebenzi nokubeletha.

Izinkampani eziqanjiwe

Qaphela ukubuza imibuzo efanele mayelana nokutholakala kokukhulelwa okuxhomekile. Inkampani ngayinye yomshuwalense ikhipha izinhlelo ezahlukahlukene eqenjini, kumuntu ngamunye, nasemakethe yomphakathi. Uhlelo ngalunye lusebenza ngendlela ehlukile, noma ngabe lukhishwe yinkampani efanayo.

Xhumana nomshuwalense bese ubuza mayelana nokutholakala kokukhulelwa okuxhomekile kuhlelo oluthile abazali bakho abanalo. Ungacabangi ukuthi imithetho isebenza ngokufanayo kuwo wonke amapulani akhishwe yinoma iyiphi yalezi zinkampani zomshuwalense eziqanjwe ngamagama.

• Aetna
• Ingoma
• I-Blue Cross Blue Shield (BCBS)
• I-Cigna
• Okomuntu
• UKaiser Permanente
• I-United Healthcare

Musa ukuyifanelekela iMedicaid

Abesifazane abaningi abakhulelwe ngaphandle komshwalense benza imali eningi kakhulu ukuze bafanelekele iMedicaid, noma bacabange kanjalo. Cabanga ngalezi zinketho uma udinga ukubona udokotela futhi ungakwazi ukukhokhela izindleko.

1. I-Medicaid Yokukhulelwa Elinganiselwe inemikhawulo ephakeme yemali engenayo kuneMedicaid ejwayelekile. Ungacabangi ukuthi wenza imali eningi kakhulu ukuze ufaneleke. Ungahle ubheke isethi engafanele yemingcele noma usebenzise imithetho yosayizi wasekhaya ngokungafanele. Ingane ngayinye engakazalwa ibalwa njengelungu elingeziwe lomndeni. Faka isicelo ehhovisi lakho lesifunda bese ubakhipha ukukhishwa.
2. Abesifazane banqabile iMedicaid ngoba bahola imali eningi kakhulu, bavame ukufanelekela ukuthola umshuwalense wezempilo wangasese oxhaswayo. Uhulumeni wesifundazwe uhlinzeka ngezindlela ezimbili zokuxhaswa kwezezimali ezenza kube lula ukukhokhela ukunakekelwa kokubeletha futhi uhambise ingane yakho esibhedlela.

Ukuncishiswa kwe-premium

Abesifazane abahola kakhulu ukuze bafanelekele iMedicaid bavame ukuhlangabezana nezidingo zokunciphisa imali. Lezi zimxhaso ziza ngendlela yokukhokha kusengaphambili noma zikhokhelwa intela futhi zikhawulela iphesenti lemali engenayo okufanele uyisebenzise kuma-premium womshuwalense wezempilo ngamunye. Amaphesenti ancike emholweni ohlobene nezinga lobuphofu.

Ukwehliswa kokuhlanganyela kwezindleko

Abesifazane abenqatshelwe iMedicaid nabo bangafanelekela ukunciphisa izindleko zokwabelana ngezindleko. Le mixhaso inciphisa okufanele ukhokhe ephaketheni ngohlelo lweleveli yesiliva ngokuvamile oluhlanganisa ama-70% wezindleko ezijwayelekile. Futhi, izinga lokwehliswa kwezindleko lincike emholweni ohlobene nezinga lobuphofu.

Udinga i-ultrasound

Abesifazane abakhulelwe ngaphandle komshwalense futhi abadinga i-ultrasound akudingeki babheke kude. I-Ultrasound (sonography) isebenzisa amaza omsindo ukuthatha izithombe zengane ekhulayo nezitho zokuzala zikamama ukuthola ukuthambeka okungenzeka kube khona.

Isisetshenziswa sokukhulelwa esisekelwe okholweni sise- Ezweni lonke banikezela ngama-ultrasound mahhala kwabesifazane abakhulelwe. Imiphumela yenziwa futhi ihunyushwe ngochwepheshe abanelayisense esikhungweni sezokwelapha esinelayisense. Benza le nsizakalo mahhala ukusiza omama ukuthi banqume ukukhetha impilo yengane yabo.

Sebenzisa isithombe samahhala se-ultrasound njengesivivinyo esihle sokukhulelwa lapho ufaka isicelo seMedicaid.

Umsebenzi wamazinyo

Ukukhulelwa ngaphandle komshwalense wamazinyo kubaluleke ngokumangazayo futhi kunikeza izinketho eziningi zokusiza ukukhokhela ukwelashwa. Awufuni ukwehlisa ukunakekelwa ngomlomo ngenkathi ulindele ingane.

Ama-hormone okukhulelwa enza ukuba izinsini zivuvuke futhi zophe. Izinsini ezivuvukile zibamba ukudla futhi zibangele ukucasuka okuqhubekayo emlonyeni. Ukuthukuthela kungaholela ezifweni nasezifweni zezinsini. Isifo sezinsini sihlotshaniswa nokusebenza ngaphambi kwesikhathi.

Ukuhlanza njalo (i-prophylaxis) kunganciphisa lezi zingozi. Lezi zinketho zingasiza ukukhokhela umsebenzi wamazinyo.

• I-Medicaid ihlanganisa ukunakekelwa kwamazinyo okuphelele ezifundazweni eziningi
• Umshuwalense wezempilo uhlanganisa umsebenzi wamazinyo odingekayo kwezokwelapha.
• Izinhlelo zamazinyo zinezikhathi ezimfishane zokulinda ukunakekelwa kokuvimbela.

Ilayisense yokubeletha

Abesifazane abasebenza ezifundazweni ezithile banezinkathazo ezimbalwa mayelana nokukhulelwa ngaphandle kokukhokha ikhefu lokubeletha noma ukuvikelwa kwemisebenzi esemthethweni. Kubalulekile ukuba nomthombo oyisipele wemali engenayo phakathi nesikhathi lapho kufanele uyeke ukusebenza ngaphambi nangemva kokubeletha. Futhi, kuyasiza kakhulu uma umqashi wakho kufanele agcine isikhundla sakho sivuliwe uze ubuye.

Izinhlelo zosizo lwezezimali ezisuselwa kuhulumeni zivame ukusiza abazali abanezinkinga zomsebenzi.

1. I-federal Family Medical Leave Act isebenza ezweni lonke
   1. Amaviki ayi-12 okuvikelwa kwabasebenzi okungakhokhelwa
   2. Izinkampani zabasebenzi ezingama-50
2. Kukhona izinhlelo zekhefu lomndeni ezikhokhelwayo ezifundazweni ezine
   1. California
   2. E-New Jersey
   3. I-New York
   4. Rhode Island
3. Ukukhubazeka okwesikhashana kuhlanganisa ikhefu lokukhulelwa likamama.
   1. California
   2. IHawaii
   3. E-New Jersey
   4. I-New York

Abazali bangaqoqa izinzuzo zokungasebenzi ngemuva kwekhefu lokuyobeletha ezifundazweni ezingama-22 ngemuva kokuthi bekwazi futhi sebetholakalele ukubuyela emsebenzini. Izifundazwe ezinkulu ezifana neTexas, Illinois, Washington, Wisconsin, nezinye zixegisa izidingo zabantu abayiyekela umndeni ophoqelelayo noma isizathu esihle.

Okuqukethwe

• Ukukhulelwa: Umshuwalense wezempilo Asikho isikhathi sokulinda
• Isimo esivele sikhona
• Imicimbi Yokuphila Efanelekayo
• Izinhlelo zomuntu ngamunye
• Amaqembu abaqashi
• Ukuba nomntwana
• I-Public Medicaid
• Umshuwalense wokukhulelwa lapho usuvele ukhulelwe
• Ukuhlanganiswa kwabazali
• Amaqembu abaqashi
• Izinkampani eziqanjiwe
• Musa ukuyifanelekela iMedicaid
• Ukuncishiswa kwe-premium
• Ukwehliswa kokuhlanganyela kwezindleko
• Udinga i-ultrasound
• Umsebenzi wamazinyo
• Ilayisense yokubeletha

• Ngazi kanjani ukuthi NGIQEDILE IZIVIVINYO Izimpawu Nezindlela Zokwelapha