Affordable Care Act (\"Obamacare\") pieprasa, lai visi pl\u0101ni par vesel\u012bbas apdro\u0161in\u0101\u0161anas Marketplace vai Medicaid segtu pirmsdzemd\u012bbu apr\u016bpi, dzemd\u012bbas un jaundzimu\u0161o apr\u016bpi, pat ja esat bijusi st\u0101vokl\u012b pirms apdro\u0161in\u0101\u0161anas s\u0101kuma. \u0160ie pakalpojumi tiek uzskat\u012bti par b\u016btiskiem vesel\u012bbas pabalstiem. T\u0101tad neatkar\u012bgi no t\u0101, vai vesel\u012bbas apdro\u0161in\u0101\u0161anu sa\u0146emat no darba dev\u0113ja vai tie\u0161i no Marketplace (feder\u0101l\u0101s vald\u012bbas vietne, kur\u0101 var ieg\u0101d\u0101ties vesel\u012bbas apr\u016bpes pl\u0101nus un re\u0123istr\u0113ties), jums ir j\u0101b\u016bt apdro\u0161in\u0101tai.\n<\/p>\n
Ir iz\u0146\u0113mumi. Mazajiem darba dev\u0113jiem (tiem, kuros ir maz\u0101k nek\u0101 50 darbinieku) nav j\u0101nodro\u0161ina vesel\u012bbas apr\u016bpes segums, bet, ja tie to nodro\u0161ina, tiem ir j\u0101iek\u013cauj maternit\u0101tes apr\u016bpe. Un grupu pl\u0101niem nav pien\u0101kuma piln\u012bb\u0101 nodro\u0161in\u0101t maternit\u0101tes apr\u016bpi apg\u0101d\u0101jamiem b\u0113rniem, lai gan pieaugu\u0161ie b\u0113rni var palikt vec\u0101ku vesel\u012bbas apr\u016bpes pl\u0101nos l\u012bdz 26 gadu vecumam. (\u0160aj\u0101 laik\u0101 ir j\u0101sedz pirmsdzemd\u012bbu apr\u016bpe, bet nav pras\u012bbas par dzemd\u012bbu un dzemd\u012bbu apr\u016bpes nodro\u0161in\u0101\u0161anu.)\n<\/p>\n
Da\u017eiem vec\u0101kiem pl\u0101niem, kas paz\u012bstami k\u0101 \"vecie\" vesel\u012bbas apr\u016bpes pl\u0101ni, nav oblig\u0101ti j\u0101apmaks\u0101 gr\u016btniec\u012bba, dzemd\u012bbas vai profilaktisk\u0101 apr\u016bpe. Atjaunots pl\u0101ns ir vesel\u012bbas apr\u016bpes pl\u0101ns, kas past\u0101v\u0113ja 2010. gada 23. mart\u0101, pirms st\u0101j\u0101s sp\u0113k\u0101 Affordable Care Act, un kop\u0161 t\u0101 laika nav b\u016btiski main\u012bjies. Ja jums ir \u0161\u0101ds pl\u0101ns, j\u016bs, iesp\u0113jams, nesa\u0146emsiet da\u017eas aizsardz\u012bbas iesp\u0113jas, ko pied\u0101v\u0101 kvalific\u0113ti pl\u0101ni. Piem\u0113ram, \"vecajam\" pl\u0101nam nav pien\u0101kuma nodro\u0161in\u0101t bezmaksas profilaktisko apr\u016bpi vai gr\u016btniec\u012bbas un dzemd\u012bbu apdro\u0161in\u0101\u0161anu.\n<\/p>\n
Lai uzzin\u0101tu, vai j\u016bsu pl\u0101ns ir iek\u013cauts, zvaniet savam pl\u0101na nodro\u0161in\u0101t\u0101jam. Ja jums ir pamatpl\u0101ns, r\u016bp\u012bgi p\u0101rskatiet savu gr\u016btniec\u012bbas un dzemd\u012bbu pl\u0101nu. Iesp\u0113jams, jums b\u016bs j\u0101p\u0101riet uz jaunu vesel\u012bbas apr\u016bpes pl\u0101nu. J\u016bs varat p\u0101riet uz jaunu pl\u0101nu atv\u0113rt\u0101s re\u0123istr\u0101cijas period\u0101 vai kad beidzas j\u016bsu mantot\u0101 pl\u0101na gads, bet iepriek\u0161 sazinieties ar apdro\u0161in\u0101\u0161anas sabiedr\u012bbu par to, k\u0101 atcelt savu pl\u0101nu.\n<\/p>\n
Nevajag steigties nekav\u0113joties inform\u0113t savu apdro\u0161in\u0101t\u0101ju par gr\u016btniec\u012bbu. Jums autom\u0101tiski tiek pie\u0161\u0137irtas maternit\u0101tes pabalsta garantijas. Tom\u0113r var b\u016bt priek\u0161roc\u012bbas, ja par gr\u016btniec\u012bbu pazi\u0146osiet \u0101tr\u0101k, nevis v\u0113l\u0101k.\n<\/p>\n
Pirmk\u0101rt, j\u016bsu apdro\u0161in\u0101t\u0101jam var b\u016bt pieejami bezmaksas resursi gr\u016btniec\u0113m, kuriem varat piek\u013c\u016bt jau tagad. \u0160ie resursi var ietvert pal\u012bdz\u012bbu atrast vesel\u012bbas apr\u016bpes speci\u0101listu j\u016bsu t\u012bkl\u0101 un t\u0101lru\u0146a piek\u013cuvi medm\u0101su atbalstam un padomiem, k\u0101 ar\u012b inform\u0101ciju par pirmsdzemd\u012bbu apr\u016bpi vai vec\u0101ku kursiem.\n<\/p>\n
Turkl\u0101t, ja jums ir Marketplace segums un j\u016bs zi\u0146ojat par gr\u016btniec\u012bbu, j\u016bs autom\u0101tiski tiksiet p\u0101rs\u016bt\u012bta uz valsts a\u0123ent\u016bru, kas nodarbojas ar Medicaid vai CHIP (B\u0113rnu vesel\u012bbas apdro\u0161in\u0101\u0161anas programma), ja jums ir ties\u012bbas uz to. Tas var noz\u012bm\u0113t, ka apdro\u0161in\u0101\u0161ana jums b\u016bs pieejam\u0101ka.\n<\/p>\n
Lai atjaunin\u0101tu savu statusu sav\u0101 Marketplace kont\u0101 (vald\u012bba iesaka to izdar\u012bt 30 dienu laik\u0101 p\u0113c jebkur\u0101m izmai\u0146\u0101m), apmekl\u0113jiet Healthcare.lv, autoriz\u0113jieties sav\u0101 Marketplace kont\u0101 un izv\u0113ln\u0113 izv\u0113lieties \"Report a Life Change\". Vai ar\u012b zvaniet uz Tirgus inform\u0101cijas centra zvanu pa t\u0101lruni 1-800-318-2596.\n<\/p>\n
Kad b\u0113rns ir piedzimis, jums b\u016bs nepiecie\u0161ams to pievienot apdro\u0161in\u0101\u0161anas segumam (skatiet t\u0101l\u0101k).\n<\/p>\n
Ja jums nav apdro\u0161in\u0101\u0161anas un j\u016bs nevarat re\u0123istr\u0113ties apdro\u0161in\u0101\u0161anai tagad (jo neesat re\u0123istr\u0113\u0161an\u0101s period\u0101), jums var b\u016bt citas iesp\u0113jas:\n<\/p>\n
Uzziniet vair\u0101k par finansi\u0101lo pal\u012bdz\u012bbu gr\u016btniec\u0113m un \u0123imen\u0113m.\n<\/p>\n
Lai sa\u0146emtu maternit\u0101tes apdro\u0161in\u0101\u0161anu, izmantojot Tirgus vesel\u012bbas apr\u016bpes pl\u0101nu, jums ir j\u0101re\u0123istr\u0113jas ikgad\u0113j\u0101 atv\u0113rt\u0101s re\u0123istr\u0101cijas period\u0101 - parasti ruden\u012b. Ir ar\u012b \u012bpa\u0161i re\u0123istr\u0101cijas periodi, un uz tiem var pretend\u0113t, ja dz\u012bv\u0113 notiek t\u0101di notikumi k\u0101 p\u0101rcel\u0161an\u0101s vai cita apdro\u0161in\u0101\u0161anas seguma zaud\u0113\u0161ana. Ta\u010du gr\u016btniec\u012bba nav iemesls, lai j\u016bs var\u0113tu sa\u0146emt \u012bpa\u0161o re\u0123istr\u0101ciju. (Tom\u0113r b\u0113rna piedzim\u0161ana var kvalific\u0113t.)\n<\/p>\n
Tom\u0113r jebkur\u0101 laik\u0101 varat pieteikties Medicaid vai CHIP. Ja jums bija Medicaid vai CHIP apdro\u0161in\u0101\u0161ana, kas beidz\u0101s vai dr\u012bz beigsies, jums ar\u012b b\u016bs ties\u012bbas uz \u012bpa\u0161o re\u0123istr\u0101cijas periodu, lai sa\u0146emtu Marketplace apdro\u0161in\u0101\u0161anu. Pieteikum\u0101 nor\u0101diet, ka j\u016bsu \u0161tata a\u0123ent\u016bra atzina, ka neesat ties\u012bgs sa\u0146emt Medicaid vai CHIP.\n<\/p>\n
Priv\u0101to vesel\u012bbas apdro\u0161in\u0101\u0161anu varat ieg\u0101d\u0101ties \u0101rpus tirgus, izmantojot da\u017eas apdro\u0161in\u0101\u0161anas sabiedr\u012bbas, a\u0123entus, brokerus un tie\u0161saistes vesel\u012bbas apdro\u0161in\u0101\u0161anas p\u0101rdev\u0113jus. \u0145emiet v\u0113r\u0101, ka, ieg\u0101d\u0101joties pl\u0101nu \u0101rpus tirgus, jums neb\u016bs ties\u012bbu uz nodok\u013cu atlaid\u0113m vai citiem ietaup\u012bjumiem atkar\u012bb\u0101 no j\u016bsu ien\u0101kumiem.\n<\/p>\n
Turkl\u0101t p\u0101rliecinieties, ka jebkur\u0161 pl\u0101ns, ko ieg\u0101d\u0101jaties, ir kvalific\u0113ts vesel\u012bbas apr\u016bpes pl\u0101ns. Tas noz\u012bm\u0113, ka tas atbilst vis\u0101m vesel\u012bbas apr\u016bpes likuma pras\u012bb\u0101m, tostarp attiecas uz iepriek\u0161 past\u0101vo\u0161\u0101m slim\u012bb\u0101m, nodro\u0161ina bezmaksas profilaktisko apr\u016bpi un neierobe\u017eo gada pabalstus. P\u0101rbaudiet jebkuru potenci\u0101lo pl\u0101nu pied\u0101v\u0101jumus, sal\u012bdzinot tos ar \u0161o sarakstu, kur\u0101 uzskait\u012bts, ko ietver tirgus vesel\u012bbas apdro\u0161in\u0101\u0161anas pl\u0101ni.\n<\/p>\n
Saska\u0146\u0101 ar Affordable Care Act visiem kvalific\u0113tiem pl\u0101niem bez papildu maksas ir j\u0101nodro\u0161ina daudzas gr\u016btniec\u012bbas, b\u0113rnu vesel\u012bbas un labkl\u0101j\u012bbas pabalsti. \u0160ie pabalsti ir j\u0101nodro\u0161ina bez l\u012bdzmaks\u0101juma vai l\u012bdzapdro\u0161in\u0101\u0161anas, pat ja neesat izpild\u012bjis savu ikgad\u0113jo atskait\u0101mo da\u013cu. Gr\u016btniec\u0113m, sieviet\u0113m p\u0113cdzemd\u012bbu period\u0101 un jaundzimu\u0161ajiem \u0161ie pabalsti ietver:\n<\/p>\n
Ar\u012b \u0161aj\u0101 gad\u012bjum\u0101 daudziem apdro\u0161in\u0101t\u0101jiem ir bezmaksas programmas, kas paredz\u0113tas, lai pal\u012bdz\u0113tu sieviet\u0113m saglab\u0101t vesel\u012bgu gr\u016btniec\u012bbu. Zvaniet savam apdro\u0161in\u0101\u0161anas pl\u0101nam, lai uzzin\u0101tu, vai jums ir pieejama k\u0101da programma un k\u0101 j\u016bs varat pieteikties.\n<\/p>\n
J\u0101, dzemd\u012bbas sedz kvalific\u0113ti apdro\u0161in\u0101\u0161anas pl\u0101ni. Bet parasti t\u0101s nav bezmaksas. Jums, visticam\u0101k, b\u016bs l\u012bdzmaks\u0101jumi, atskait\u012bjumi un citi maks\u0101jumi.\n<\/p>\n
Uzziniet vair\u0101k par vid\u0113j\u0101m dzemd\u012bbu izmaks\u0101m ar un bez apdro\u0161in\u0101\u0161anas.\n<\/p>\n
Lai uzzin\u0101tu, cik maks\u0101siet, jaut\u0101jiet savam apdro\u0161in\u0101t\u0101jam, ko tie\u0161i tas sedz un k\u0101di b\u016bs izdevumi, kas j\u0101sedz pa\u0161iem. Apdro\u0161in\u0101t\u0101jam pajaut\u0101jiet, kuras viet\u0113j\u0101s slimn\u012bcas ir j\u016bsu pl\u0101na t\u012bkl\u0101 (izmaksas b\u016bs atkar\u012bgas no pakalpojuma sniedz\u0113ja l\u012bguma ar j\u016bsu apdro\u0161in\u0101\u0161anas komp\u0101niju). Noskaidrojiet, cik ilga uztur\u0113\u0161an\u0101s slimn\u012bc\u0101 p\u0113c dzemd\u012bb\u0101m tiek apmaks\u0101ta un vai jums b\u016bs j\u0101dz\u012bvo vien\u0101 istab\u0101. Ja J\u016bs interes\u0113 alternat\u012bvas dzemd\u012bbu iesp\u0113jas, piem\u0113ram, dzemd\u012bbu centrs vai dzemd\u012bbas m\u0101j\u0101s, jaut\u0101jiet par to seg\u0161anu.\n<\/p>\n
Ar dzemd\u012bb\u0101m parasti ir saist\u012bta virkne maksu, tostarp maksa par slimn\u012bcu vai iest\u0101di, pakalpojuma sniedz\u0113ja maksa par pirmsdzemd\u012bbu apr\u016bpi un dzemd\u012bb\u0101m, maksa par anest\u0113ziju, pediatrisk\u0101s p\u0101rbaudes izmaksas un papildu maksas par piederumiem vai apr\u012bkojumu. J\u016bsu \u0101rsta birojs var pal\u012bdz\u0113t jums sav\u0101kt \u0161o inform\u0101ciju pirms dzemd\u012bb\u0101m un apl\u0113st, k\u0101das var\u0113tu b\u016bt j\u016bsu izmaksas.\n<\/p>\n
Tom\u0113r paturiet pr\u0101t\u0101, ka ne apdro\u0161in\u0101\u0161anas sabiedr\u012bba, ne vesel\u012bbas apr\u016bpes pakalpojumu sniedz\u0113js nevar\u0113s garant\u0113t jums konkr\u0113tu cenu. Vi\u0146i nevar paredz\u0113t, k\u0101di \u012bpa\u0161i izmekl\u0113jumi vai proced\u016bras jums var\u0113tu b\u016bt nepiecie\u0161amas, s\u0101kot no kaut k\u0101 neliela (papildu slimn\u012bcas hal\u0101ts) l\u012bdz kaut kam t\u0101dam k\u0101 indukcija un beidzot ar kaut ko ne tik nelielu (\u0101rk\u0101rtas proced\u016bra jums vai j\u016bsu mazulim). Aptuvenais skaitlis bie\u017ei vien ir lab\u0101kais, ko j\u016bs varat izdar\u012bt.\n<\/p>\n
Parasti vislab\u0101kais veids, k\u0101 noteikt izmaksas, ir sazin\u0101ties ar vesel\u012bbas apr\u016bpes pakalpojumu sniedz\u0113ja biroja darbiniekiem. Vi\u0146iem b\u016btu j\u0101sp\u0113j pal\u012bdz\u0113t jums noskaidrot, cik aptuveni j\u016bs maks\u0101siet par visu, s\u0101kot no pirmsdzemd\u012bbu testiem l\u012bdz dzemd\u012bb\u0101m. Tad zvaniet savam apdro\u0161in\u0101\u0161anas pl\u0101nam un uzzini, vai vi\u0146i var apstiprin\u0101t \u0161\u012bs aptuven\u0101s izmaksas.\n<\/p>\n
Iepaz\u012bstieties ar savu vesel\u012bbas apr\u016bpes pl\u0101nu, kur\u0101 ir nor\u0101d\u012btas paredzam\u0101s maternit\u0101tes apr\u016bpes izmaksas. Tirgus pied\u0101v\u0101 vienu un to pa\u0161u kopsavilkuma veidlapu da\u017e\u0101diem vesel\u012bbas pl\u0101niem, lai j\u016bs var\u0113tu tos sal\u012bdzin\u0101t. Apmekl\u0113jiet HealthCare.gov sada\u013cu See plans & amp; prices (Skat\u012bt pl\u0101nus un cenas), lai sal\u012bdzin\u0101tu jums pieejamos pl\u0101nus.\n<\/p>\n
Ja nevarat atrast mekl\u0113to inform\u0101ciju vai ja jums rodas jaut\u0101jumi, zvaniet apdro\u0161in\u0101\u0161anas sabiedr\u012bbai. R\u016bp\u012bgi pieraksti sa\u0146emt\u0101s atbildes un noteikti atz\u012bm\u0113 t\u0101s personas v\u0101rdu, ar kuru esi run\u0101jis, un datumu, kad esi zvan\u012bjis.\n<\/p>\n
Jaut\u0101jiet ar\u012b par apdro\u0161in\u0101\u0161anu gad\u012bjum\u0101, ja j\u016bsu mazulim rodas komplik\u0101cijas un k\u0101du laiku j\u0101pavada jaundzimu\u0161o intens\u012bv\u0101s terapijas noda\u013c\u0101 (NICU). NICU izmaksas var iev\u0113rojami palielin\u0101t j\u016bsu r\u0113\u0137inus. To, cik daudz, ir atkar\u012bgs no t\u0101, cik ilga b\u016bs j\u016bsu mazu\u013ca uztur\u0113\u0161an\u0101s, k\u0101di speci\u0101listi vi\u0146u pie\u0146em un k\u0101di pakalpojumi vi\u0146am ir nepiecie\u0161ami.\n<\/p>\n
Uzziniet, k\u0101 maks\u0101t par mazu\u013ca uztur\u0113\u0161anos NICU.\n<\/p>\n
Lai samazin\u0101tu izmaksas, p\u0101rliecinieties, vai visi vesel\u012bbas apr\u016bpes pakalpojumu sniedz\u0113ji ir j\u016bsu pl\u0101na t\u012bkl\u0101. (Jaut\u0101jiet, pirms dodaties pie jebkura vesel\u012bbas apr\u016bpes pakalpojumu sniedz\u0113ja.) Tas attiecas ar\u012b uz \u0101rstu, kas r\u016bp\u0113jas par jums gr\u016btniec\u012bbas laik\u0101, anesteziologu dzemd\u012bbu laik\u0101, mazu\u013ca \u0101rstu un visiem speci\u0101listiem, kas jums b\u016bs vajadz\u012bgi. Piem\u0113ram, ja Jums ir k\u0101das hroniskas saslim\u0161anas, kas var\u0113tu padar\u012bt J\u016bsu gr\u016btniec\u012bbu paaugstin\u0101ta riska, Jums b\u016bs j\u0101apmekl\u0113 m\u0101tes un aug\u013ca medic\u012bnas speci\u0101lists (MFM). J\u0101apzin\u0101s, ka apdro\u0161in\u0101\u0161anas komp\u0101nijas maks\u0101s maz\u0101k par \u0101rpust\u012bklisko apr\u016bpi vai ar\u012b t\u0101 var netikt apmaks\u0101ta visp\u0101r.\n<\/p>\n
Diem\u017e\u0113l da\u017ereiz t\u012bkla \u0101rstniec\u012bbas iest\u0101de izmanto \u0101rpust\u012bkla darbiniekus. Vi\u0146i var j\u016bs nebr\u012bdin\u0101t, ka j\u016bs \u0101rst\u0113s \u0101rsts, kas nav t\u012bkla darbinieks. Tie\u0161i tad jums var n\u0101kties sa\u0146emt negaid\u012btu r\u0113\u0137inu. (Skat. t\u0101l\u0101k par to, ko dar\u012bt ar p\u0101rsteiguma r\u0113\u0137iniem.)\n<\/p>\n
T\u0101p\u0113c pirms katras proced\u016bras vienm\u0113r ir v\u0113rts pajaut\u0101t, vai visi darbinieki, kas jums izrakst\u012bs r\u0113\u0137inu, ir iek\u013cauti t\u012bkl\u0101. Iesp\u0113jams, jums neb\u016bs iesp\u0113jams sa\u0146emt skaidru atbildi, jo liel\u0101kaj\u0101 da\u013c\u0101 \u0161tatu slimn\u012bc\u0101m nav pien\u0101kuma inform\u0113t pacientus par to, vai to person\u0101ls ir t\u012bkla t\u012bkl\u0101, un pa\u0161i \u0101rsti to var pat nezin\u0101t. Da\u017eos gad\u012bjumos var neb\u016bt pieejams neviens t\u012bkla \u0101rsts. Tom\u0113r ir v\u0113rts pajaut\u0101t.\n<\/p>\n
Saska\u0146\u0101 ar Vesel\u012bbas apr\u016bpes izmaksu instit\u016bta datiem dzemd\u012bbas veido aptuveni \u010detrus no katriem pieciem dol\u0101riem, kas tiek t\u0113r\u0113ti m\u0101tes un jaundzimu\u0161\u0101 vesel\u012bbas apr\u016bpei. Vid\u0113j\u0101s izmaksas par dzemd\u012bb\u0101m (ar darba dev\u0113ja apdro\u0161in\u0101\u0161anu) vid\u0113ji ir 13 811 ASV dol\u0101ru. Ta\u010du izmaksas ir \u013coti at\u0161\u0137ir\u012bgas atkar\u012bb\u0101 no dz\u012bvesvietas - no 8 361 dol\u0101ra Arkanzas\u0101 l\u012bdz 19 771 dol\u0101ram \u0145ujork\u0101.\n<\/p>\n
\u0136eizargrieziena oper\u0101cijas ir d\u0101rg\u0101kas nek\u0101 vagin\u0101las dzemd\u012bbas. Vid\u0113j\u0101s vagin\u0101lo dzemd\u012bbu izmaksas ir 12 235 ASV dol\u0101ri, bet vid\u0113j\u0101s \u0137eizargrieziena izmaksas ir 17 004 ASV dol\u0101ri.\n<\/p>\n
Uzziniet, vai jums ir noteikts gada maksim\u0101lais kabatas maks\u0101jums un k\u0101 tas darbojas. T\u0101 ir liel\u0101k\u0101 summa, ko apdro\u0161in\u0101t\u0101js no jums pras\u012bs samaks\u0101t par medic\u012bniskaj\u0101m izmaks\u0101m gada laik\u0101. Kad esat samaks\u0101jis \u0161o summu, apdro\u0161in\u0101t\u0101js parasti sedz 100 % no cit\u0101m medic\u012bniskaj\u0101m izmaks\u0101m, kas jums rodas l\u012bdz gada beig\u0101m.\n<\/p>\n
Tom\u0113r izlasiet s\u012bko druk\u0101to inform\u0101ciju, lai uzzin\u0101tu, kas ir iek\u013cauts \u0161aj\u0101 summ\u0101. Taj\u0101 gandr\u012bz vienm\u0113r ir iek\u013cauta ikgad\u0113j\u0101 pa\u0161riska summa. Ta\u010du taj\u0101 ne vienm\u0113r ir iek\u013cautas pr\u0113mijas vai izmaksas \u0101rpus t\u012bkla. (Da\u017eiem pl\u0101niem ir atsevi\u0161\u0137s, liel\u0101ks maksim\u0101lais kabatas maks\u0101jums par \u0101rpust\u012bkla apr\u016bpi.) Un jums joproj\u0101m b\u016bs j\u0101atbild par summ\u0101m, kas tiek uzskat\u012btas par liel\u0101k\u0101m par \"sapr\u0101t\u012bg\u0101m vai ierast\u0101m\" par jebkuru pakalpojumu.\n<\/p>\n
Un atcerieties, ka gr\u016btniec\u012bba var s\u0101kties vien\u0101 gad\u0101 un beigties cit\u0101, bet j\u016bsu pl\u0101ns ieskaita tikai tos izdevumus, ko esat samaks\u0101jis katr\u0101 kalend\u0101raj\u0101 gad\u0101, lai iek\u013cautu gada maksim\u0101laj\u0101 apjom\u0101 attiec\u012bgaj\u0101 gad\u0101. No otras puses, \u0101rsta birojs var r\u0113\u0137inu izrakst\u012bt par visu uzreiz, ieskaitot pirmsdzemd\u012bbu apr\u016bpi un dzemd\u012bb\u0101m. Par to Jums b\u016bs j\u0101vienojas ar savu vesel\u012bbas apr\u016bpes pakalpojumu sniedz\u0113ju'biroju.\n<\/p>\n
Pateicoties Affordable Care Act, kvalific\u0113tiem pl\u0101niem vairs nav at\u013cauts noteikt ierobe\u017eojumus attiec\u012bb\u0101 uz kop\u0113jo summu, ko apdro\u0161in\u0101\u0161anas sabiedr\u012bba katru gadu apmaks\u0101s par j\u016bsu apr\u016bpi. Iepriek\u0161 min\u0113tajos pl\u0101nos (skat\u012bt iepriek\u0161) joproj\u0101m var b\u016bt ierobe\u017eojumi.\n<\/p>\n
Ja esat noba\u017e\u012bjies par to, vai sp\u0113siet apmaks\u0101t vesel\u012bbas apr\u016bpes r\u0113\u0137inu:\n<\/p>\n
Daudzos pl\u0101nos ir nepiecie\u0161ama iepriek\u0161\u0113ja at\u013cauja noteiktiem pakalpojumiem un proced\u016br\u0101m, piem\u0113ram, ultrasonogr\u0101fijai un amniocent\u0113zei. Liel\u0101koties j\u016bsu praktiz\u0113jo\u0161ais \u0101rsts, pl\u0101nojot pirmsdzemd\u012bbu apr\u016bpi un dzemd\u012bbas, piezvan\u012bs j\u016bsu apdro\u0161in\u0101\u0161anas sabiedr\u012bbai, lai sa\u0146emtu iepriek\u0161\u0113ju apstiprin\u0101jumu. Ta\u010du ir labi to apstiprin\u0101t.\n<\/p>\n
Noskaidrojiet, vai jums ir j\u0101sa\u0146em iepriek\u0161\u0113ja at\u013cauja hospitaliz\u0101cijai, vai ar\u012b jums ir j\u0101zvana, kad esat uz\u0146emts slimn\u012bc\u0101. (Vairum\u0101 gad\u012bjumu j\u016bsu vesel\u012bbas apr\u016bpes sniedz\u0113js sa\u0146ems iepriek\u0161\u0113ju at\u013cauju, kad j\u016bs s\u0101ksiet pirmsdzemd\u012bbu apr\u016bpi.)\n<\/p>\n
Starp citu, daudz\u0101s slimn\u012bc\u0101s jums b\u016bs j\u0101re\u0123istr\u0113jas tie\u0161saist\u0113 pirms dzemd\u012bb\u0101m. T\u0101 nav iepriek\u0161\u0113ja autoriz\u0101cija.\n<\/p>\n
Lai to uzzin\u0101tu, jums j\u0101zvana uz savu pl\u0101nu. Visiem kvalific\u0113tajiem pl\u0101niem (iz\u0146emot iepriek\u0161\u0113jos pl\u0101nus) ir j\u0101nodro\u0161ina bezmaksas atbalsts, konsult\u0101cijas un apr\u012bkojums z\u012bd\u012b\u0161anai tik ilgi, kam\u0113r barojat savu b\u0113rnu. \u0160os pakalpojumus var s\u0101kt sniegt jau pirms dzemd\u012bb\u0101m.\n<\/p>\n
Iesniegtais s\u016bknis var b\u016bt vai nu nomas vien\u012bba, vai ar\u012b jauns s\u016bknis, ko var\u0113siet patur\u0113t. J\u016bsu pl\u0101ns var noteikt, vai segtais s\u016bknis ir manu\u0101lais vai elektriskais, nomas ilgumu un to, vai j\u016bs to sa\u0146emsiet pirms vai p\u0113c pieg\u0101des.\n<\/p>\n
Vesel\u012bbas pl\u0101ni bie\u017ei vien iev\u0113ro \u0101rsta ieteikumus par to, kas ir medic\u012bniski piem\u0113rots, un da\u017eos gad\u012bjumos ir nepiecie\u0161ama \u0101rsta iepriek\u0161\u0113ja at\u013cauja. Starp citu, nevajag vilties, ja jums n\u0101ksies izmantot slimn\u012bcas klases s\u016bkni. \u0160ie s\u016bk\u0146i ir augst\u0101k\u0101s kvalit\u0101tes un darbojas tikpat labi vai pat lab\u0101k nek\u0101 jebkur\u0161 mazumtirdzniec\u012bbas s\u016bknis.\n<\/p>\n
Izmantojiet konsult\u0101ciju un atbalsta pakalpojumus. Liel\u0101k\u0101 da\u013ca slimn\u012bcu sniedz bezmaksas konsult\u0101ciju ar person\u0101la z\u012bd\u012b\u0161anas konsultantu (vai medic\u012bnas m\u0101su, kas ir apm\u0101c\u012bta \u0161aj\u0101 jom\u0101) j\u016bsu uztur\u0113\u0161an\u0101s laik\u0101, ta\u010du z\u012bd\u012b\u0161anas probl\u0113mas var rasties ar\u012b p\u0113c tam, kad esat pametis slimn\u012bcu.\n<\/p>\n
Noskaidrojiet iepriek\u0161, k\u0101di konsult\u0101ciju pakalpojumi tiek segti. Pirms dzemd\u012bb\u0101m jaut\u0101jiet par z\u012bd\u012b\u0161anas kursiem un noskaidrojiet, pie k\u0101diem z\u012bd\u012b\u0161anas konsultantiem varat doties p\u0113c tam, kad b\u016bsiet atst\u0101ju\u0161i slimn\u012bcu, un cik daudz apmekl\u0113jumu tiek apmaks\u0101ti.\n<\/p>\n
Ja, b\u0113rnam piedzimstot, jums ir Marketplace segums, varat vienk\u0101r\u0161i pievienot mazuli savam segumam. (Kad b\u0113rns piedzimst, jums ir ties\u012bbas uz \u012bpa\u0161o re\u0123istr\u0101cijas periodu, kas noz\u012bm\u0113, ka jums nav j\u0101gaida l\u012bdz ikgad\u0113jam re\u0123istr\u0101cijas periodam, lai re\u0123istr\u0113tu savu b\u0113rnu apdro\u0161in\u0101\u0161anai.) Dodieties uz Healthcare.gov kontu un izv\u0113lieties \"Zi\u0146ot par dz\u012bves izmai\u0146\u0101m.\" Jums ir 60 dienas, lai zi\u0146otu par izmai\u0146\u0101m.\n<\/p>\n
Kad atjaunin\u0101siet savu kontu, vald\u012bba jums pazi\u0146os, vai j\u016bsu b\u0113rns var pretend\u0113t uz Medicaid vai CHIP. Tagad, kad jums ir b\u0113rns, j\u016bs varat pretend\u0113t ar\u012b uz ietaup\u012bjumiem, kas var\u0113tu samazin\u0101t j\u016bsu ikm\u0113ne\u0161a pr\u0113miju.\n<\/p>\n
Ja jums ir darba dev\u0113ja vai priv\u0101ta apdro\u0161in\u0101\u0161ana, pajaut\u0101jiet savam apdro\u0161in\u0101\u0161anas pakalpojumu sniedz\u0113jam, k\u0101da ir jaun\u0101 mazu\u013ca pievieno\u0161anas proced\u016bra j\u016bsu pl\u0101nam. Vairum\u0101 gad\u012bjumu j\u016bsu b\u0113rns pirmo m\u0113nesi p\u0113c piedzim\u0161anas b\u016bs autom\u0101tiski iek\u013cauts j\u016bsu pl\u0101n\u0101.\n<\/p>\n
Kas notiek, ja, piem\u0113ram, izmantojat \u0101rpust\u012bkla pakalpojumu sniedz\u0113ju, par to nezinot, un beig\u0101s sa\u0146emat lielu r\u0113\u0137inu? Zvaniet savam apdro\u0161in\u0101\u0161anas pakalpojumu sniedz\u0113jam un noskaidrojiet, ko vi\u0146\u0161 var dar\u012bt. Da\u017ei pl\u0101ni segs izmaksas, jo \u012bpa\u0161i, ja s\u0101kotn\u0113ji jums tika apgalvots, ka pakalpojums ir iek\u013cauts t\u012bkl\u0101.\n<\/p>\n
Citas vietas, kur atrast pal\u012bdz\u012bbu neparedz\u0113tiem r\u0113\u0137iniem:\n<\/p>\n
Un pal\u012bdz\u012bbu saist\u012bb\u0101 ar apdro\u0161in\u0101\u0161anas segumu:\n<\/p>\n
Uzziniet vair\u0101k:\n<\/p>\n
Vai mans apdro\u0161in\u0101\u0161anas pl\u0101ns sedz manu gr\u016btniec\u012bbu? Affordable Care Act (\"Obamacare\") pieprasa, lai visi pl\u0101ni par vesel\u012bbas apdro\u0161in\u0101\u0161anas Marketplace vai Medicaid segtu pirmsdzemd\u012bbu apr\u016bpi, dzemd\u012bbas un jaundzimu\u0161o apr\u016bpi, pat ja esat bijusi st\u0101vokl\u012b pirms apdro\u0161in\u0101\u0161anas s\u0101kuma. \u0160ie pakalpojumi tiek uzskat\u012bti par b\u016btiskiem vesel\u012bbas pabalstiem. T\u0101tad neatkar\u012bgi no t\u0101, vai vesel\u012bbas apdro\u0161in\u0101\u0161anu sa\u0146emat no darba dev\u0113ja […]<\/p>\n","protected":false},"author":1,"featured_media":51303,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[97],"tags":[],"class_list":["post-51288","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-family"],"_links":{"self":[{"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/posts\/51288","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/comments?post=51288"}],"version-history":[{"count":0,"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/posts\/51288\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/media\/51303"}],"wp:attachment":[{"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/media?parent=51288"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/categories?post=51288"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/forbaby.blog\/lv\/wp-json\/wp\/v2\/tags?post=51288"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}