Menene COBRA inshorar lafiya?

An Bayyana Kula da Kiwon Lafiya na Kamfanin

COBRA na iya zana hotunan maciji mai haɗari, amma a zahiri doka ce ta taimaka wa mutanen da suka rasa ayyukansu ko kuma suka ga an rage musu awowi suna kiyaye inshorar lafiyarsu. An kira shi COBRA saboda an lakafta shi don Dokar Tattaunawa ta Budadden Omnibus na Dokar 1985.

Kamar yadda na 2018 , Kashi 49% na Amurkawa sun sami inshorar su a matsayin wani ɓangare na shirin kiwon lafiya na rukuni ta hanyar mai aikin su. Idan waɗancan mutane suka rasa ayyukansu ko kuma suka ga awannin ayyukansu sun rage daga cikakken lokaci zuwa lokaci-lokaci ba tare da fa'idodin kiwon lafiya ba-kamar yadda ya faru a kan sikeli da yawa a cikin cutar ta COVID — zai iya zama mawuyacin yanayi. Wannan shine inda COBRA ta shiga. Yana bawa mutane damar kasancewa akan shirin ƙungiyar na ɗan lokaci yayin da suke samo wata hanyar inshorar kiwon lafiya.

Duk da yake wannan yana kama da kyakkyawan zaɓi, inshorar COBRA yawanci ya fi tsada fiye da shirin masu aiki masu aiki kuma ba koyaushe shine zaɓi mafi arha ba. Koyaya, yana can don kare ma'aikata waɗanda basu da sauran zaɓi a cikin gajeren lokaci.

Dangantaka: Menene inshorar lafiya na gajeren lokaci?

Menene COBRA inshora?

COBRA doka ce wacce gwamnatin tarayya da kuma Ma'aikatar kwadago ta Amurka ke tsarawa, amma jihohi da yawa suna da nasu dokokin wadanda suke kamanceceniya. Ainihin, samun inshorar COBRA-wanda ake kira COBRA ci gaba ɗaukar hoto-yana nufin cewa an yarda ku da danginku ku kasance cikin shirin kiwon lafiyar ƙungiyar mai aikinku na ɗan lokaci bayan aikinku ya ƙare ko canje-canje.

Amma ba duk wanda ya rasa aikinsa bane ya cancanci ɗaukar COBRA. Dokar tarayya kawai ta shafi kamfanoni da ke da ma'aikata 20 ko fiye. Wasu jihohin 'kamar dokokin COBRA sun shafi ƙananan kasuwanci. Waɗannan dokokin galibi ana kiran su mini mini-COBRAs.

Don samun cancanta ga COBRA, dole ne kuma ka sami abin da ya cancanta, wanda ya haɗa da ƙarewa a matsayinka na ma'aikaci ba komai ba illa rashin da'a ko rage awoyi. A cewar Ma'aikatar Kwadago , matar ko yaran da ke dogara ga ma'aikatan da aka rufe sun cancanci COBRA a cikin abubuwan da suka cancanta masu zuwa:

• saki ko rabuwa ta doka daga ma'aikacin da aka rufe
• mutuwar ma'aikacin da aka rufe
• yaro mai dogaro ya cika shekaru 26 kuma bai cancanci shirin lafiyar ƙungiyar ma'aikaci ba a ƙarƙashin Dokar Kulawa da Tsada (ACA)

Don samun cancanta, ma'aikacin da aka rufe (ko matarsa ​​ko kuma mata da yaran da ke dogaro) dole ne an sanya su cikin shirin inshorar ƙungiyar ƙungiyar ranar da abin da ya cancanta ya faru, kuma shirin dole ne ya ci gaba da kasancewa ga ma'aikata masu aiki bayan taron cancanta.

Ta yaya zan nemi COBRA?

Bayan taron cancanta, mai aiki dole ne ya sanar da waɗanda suka cancanci cin gajiyar su san cancantar COBRA, kuma ko dai ma'aikacin ko kuma ma'aikacin da aka rufe dole ne ya bar kamfanin inshorar da ke kula da shirin ƙungiyar ya san game da taron.

Hakkin ma’aikata ne ya sanar da shirin a cikin kwanaki 30 don mai zuwa abubuwan cancanta :

• rufe ma'aikata
• raguwa a cikin sa’o’in ma’aikacin da aka rufe
• rufe ma'aikacin mutuwar
• ma'aikacin da aka rufe ya cancanci Medicare
• kamfanoni masu zaman kansu sun shiga fatarar kuɗi

Ma'aikacin da aka rufe ko wani wanda ya cancanci cin gajiyar yana da alhakin sanar da shirin idan abin da ya cancanta shi ne saki ko rabuwa ta hanyar doka, ko kuma idan yaro ya rasa matsayinsa na dogaro a karkashin shirin kungiyar.

Bayan an sanar da shirin, ana buƙatar kamfanin inshorar ya ba ƙwararrun masu cin gajiyar sanarwar bayanin haƙƙinsu a ƙarƙashin COBRA da yadda za a yi rajistar don ci gaba da ɗaukar hoto. Dole ne a bayar da wannan sanarwar zaɓen ga ƙwararrun masu cin gajiyar cikin kwanaki 14. Bayan karɓar sanarwar zaɓe, za ku sami kwanaki 60 don yanke shawara ko zaɓar ɗaukar hoto na COBRA ko a'a.

Kowane ƙwararren mai fa'ida da shirin kungiyar ya rufe na iya yanke shawara game da inshorar COBRA, kuma idan duk wani mai cin gajiyar ya yafe ɗaukar COBRA, an ba shi izinin soke wannan sassaucin kuma ya zaɓi ɗaukar COBRA daga baya, matuƙar sun yi hakan a cikin 60 ɗin. -wannan lokacin zabe.

Har yaushe COBRA zai wuce?

Tsawon lokacin ɗaukar hoto na COBRA ya dogara da taron cancanta da tsarin rukunin kamfanin. Dokar sulhu ta kasafin kudi ta Omnibus ta bukaci a ci gaba da yada labarai na tsawon watanni 18 ko 36, amma wasu tsare-tsaren kiwon lafiya na kungiyar na iya samar da daukar hoto na tsawon lokaci.

Idan kun rasa aikinku ko kuma kuka ga raguwar awanni na aiki, kuna da damar ɗaukar COBRA na tsawan watanni 18. Sauran abubuwan da suka cancanta (banda cancantar Medicare) suna haifar da samun damar ɗaukar hoto na watanni 36.

Koyaya, idan aka rufe ɗaukar hoto a watanni 18, kuna iya cancanta don faɗaɗawa a ɗaukar hoto a cikin yanayi biyu: Na farko, idan kun kasance nakasassu kuma kun cika wasu buƙatu, a cikin wannan yanayin za a tsawaita ɗaukar hoto don duk waɗanda suka cancanta masu cin gajiyar watanni 11. . Abu na biyu, idan taronku na cancanta ya sanya ba ku cancanci ɗaukar hoto ba. Irin waɗannan abubuwan sun haɗa da mutuwar ma'aikacin da aka rufe, saki na ma'aikacin da aka rufe, ma'aikacin da aka rufe ya cancanci Medicare, ko kuma yaro ya rasa matsayin dogaro a ƙarƙashin shirin ƙungiyar. A waɗannan yanayin, ana iya faɗaɗa ɗaukar hoto na COBRA wasu watanni 18 gaba ɗaya zuwa watanni 36.

Medicare da COBRA

Lokacin da ma'aikaci da aka rufe ya cancanci Medicare kasa da watanni 18 kafin taron cancanta, ci gaba da ɗaukar hoto ga matar ma'aikacin da ɗiyanta masu dogaro na iya ɗaukar tsawon watanni 36, a rage adadin watanni da ma'aikacin da aka rufe ya cancanci Medicare. Misali, idan ma'aikacin da aka rufe ya cancanci Medicare na tsawon watanni 10 kafin taron cancanta, sauran wadanda suka cancanci cin gajiyar shirin kiwon lafiyar kungiyar za su sami damar daukar nauyin COBRA na tsawon watanni 26.

Zai yiwu, kuma wani lokacin ana ba da shawarar, don samun ɗaukar hoto na COBRA da na Medicare lokaci guda. Don ƙarin bayani game da yadda cancantar Medicare ke shafar ɗaukar hoto na COBRA, ana iya samun Sashen Ma'aikatar Aikin Fa'idodi na Tsaro askebsa.dol.gov ko ta waya a 1-866-444-3272.

Nawa ne kudin COBRA?

A kusan dukkanin al'amuran, ɗaukar hoto na COBRA ya fi tsada fiye da yadda ɗaukar hoto ɗaya zai kasance ga ma'aikata masu aiki.

A karkashin Dokar Kulawa mai arha, ana buƙatar tsare-tsaren kiwon lafiya na aiki don samar da ƙaramar ɗaukar hoto ko mafi kyau. Mafi qarancin ɗaukar hoto shine an bayyana azaman shirin da ke biya aƙalla 60% na jimlar kuɗin aikin likita don daidaitaccen alƙaluma, kuma ya haɗa da ɗaukar hoto mai mahimmanci na likitoci da na asibiti. Wannan ya bar ma'aikatan da ke rufe su biya sauran kashi 40%.

Yawanci, a ƙarƙashin COBRA, ba za ku ƙara samun mai aikin ku da ke biyan kashi 60% ba, wanda ke nufin za ku iya kasancewa kan ƙugiya don duk tsadar kuɗin inshorar. A zahiri, a ƙarƙashin dokar COBRA an ba kamfanin inshora damar cajin har zuwa 102% na farashin irin wannan shirin na ma'aikaci mai aiki (ƙarin 2% yana zuwa farashin gudanarwa). Kuma idan ka ɗauki ƙarin watanni na 11 na rashin ƙarfi, an ba kamfanin inshora damar cajin har zuwa 150% na kuɗin yau da kullun na shirin na waɗannan watanni 11.

Duk an fada, yana nufin hakan kudaden inshorar lafiya - adadin da aka biya kamfanin inshora akai-akai-na iya tsada sosai a karkashin COBRA. Kuma ko da tare da COBRA, masu cin gajiyar har yanzu dole ne su biya kuɗin da aka saba biya don ziyarar likita da kuma cirewar shekara-shekara (adadin da ƙungiyar inshora za ta biya kafin inshorar ta fara). Kudin da kuka biya na iya ma hauhawa idan farashin shirin ƙungiyar ya tashi.

Dokar COBRA ta tanadi cewa kamfanin inshora dole ne ya baku damar yin biyan kuɗi na kowane wata idan kuka zaɓi. Wasu tsare-tsaren na iya ba ka damar yin biyan kowane mako ko na kwata-kwata. Masu cin gajiyar cancanta yawanci dole su fara biyan kuɗin farko a cikin kwanaki 45 da farawa akan inshorar COBRA. Idan ka rasa biyan kuɗi, dole ne kamfanin inshora su ba ka lokacin alheri na kwanaki 30 wanda za ka iya biyan duk wani abin da ya biya, amma bayan haka, idan har yanzu ba a biya ba, za ka iya rasa duk fa'idodin COBRA naka.

COBRA madadin

Ganin irin tsadar inshorar COBRA, Ma'aikatar Kwadago ta ba da shawarar cewa mutanen da ba su daɗe da fuskantar abin da ya cancanta ba su nemi inshorar mafi arha ta hanyoyi daban-daban. Anan ga wasu zaɓuɓɓukan ɗaukar hoto:

Tsarin lafiyar mata: Idan dangin ku sun rasa aikin kula da lafiyar ku na aikin ku, duba ku gani idan maigidan mijin ku ya ba da inshorar lafiya. Wannan yana iya zama mara tsada fiye da ci gaba da ɗaukar hoto tare da COBRA.

Wani shirin rukuni: Idan kuka rasa inshorar lafiya ta aikinku, za a iya ba ku, abokin aurenku, ko masu dogaro da ku damar yin rajista a cikin wani shirin kiwon lafiya na wani rukunin a yayin Lokacin Rajistar Musamman. Wannan yana nufin ba lallai ne ku jira har zuwa lokacin buɗewa na gaba don yin rajista ba.

Kasuwar Inshorar Lafiya: Hakanan taron cancanta yana ba ka damar amfani da lokacin yin rajista na musamman don yin rijista ta Kasuwar Inshorar Kiwon Lafiya ko musayar inshorar jiharka. Anan ne zaku iya kwatanta manufofi ku ga kimar farashi, rarar kudi, da kuma tsadar aljihu. Ba lallai bane ku jira har zuwa na gaba bude lokacin yin rajista , kuma idan kun sami inshorar lafiya ta cikin Kasuwa, kuna iya cancanta don darajar haraji wanda zai iya rage kuɗin ku. Don neman tsarin Kasuwa, ziyarci healthcare.gov ko kira 1-800-318-2596.

Medicaid ko Shirin Inshorar Kiwan Lafiyar Yara (CHIP): Ga iyalai masu karamin karfi da kuma mutanen da suka cancanta, Medicaid da CHIP suna ba da kulawar lafiya mara tsada. Don ganin idan ka cancanci samun Medicaid, ziyarci gidan yanar gizon ka na Medicaid ko Ma'aikatar Kiwon Lafiya da Hidimar Jama'a ta Amurka a hhs.gov . Don neman CHIP, kira 1-800-318-2596 ko cika aikace-aikace ta cikin Kasuwar Inshorar Lafiya .

Yadda za a adana a kan takardun magani tare da ko ba tare da COBRA ba

Ko da kuwa kun zaɓi COBRA ci gaba da ɗaukar hoto ko a'a, koyaushe kuna iya adanawa a kan magungunan ƙwayoyi tare da takaddun shaida daga SingleCare. Kyauta ne a yi amfani da shi kuma za ku sami farashin da ƙila ma ya zama mai rahusa fiye da kuɗin inshorar ku. Fara bincike kan singlecare.com don maganin ku kuma ga abin da za ku iya ajiyewa.