Wo ba no anyin mprempren, ɛnte saa? Ɔkwan bɛn so na wosakra fi mmofra hwɛ so kɔ mpanyimfo akwahosan so?

Bere tu kɔ, ɛnte saa? Ebia wokae da a wode wo ba ketewa no kɔɔ mmofra oduruyɛfo nkyɛn nea edi kan no. Nanso, yɛn mma ntra hɔ nketewa daa. Bere reba sɛ wo ba no dan kɔ mpanyimfo akwahosan ho nhyehyɛe mu. Saa nsakrae yi betumi ayɛ den kakra ama wo ne wo ba no nyinaa. Nanso mma ɛnhaw wo, sɛ yɛn baanu nyinaa siesie yɛn ho yiye a, eyi betumi ayɛ nsakrae a ɛkɔ so yiye akɔ mpanyin afe so.

Wopɛ sɛ woboa wo ba kumaa ma onya oduruyɛfo foforo?

Sɛ mmofra nyin, kyerɛ sɛ, sɛ wodu mmofraase a, ebia wobenya oduruyɛfo a ɔhwɛ mpanyimfo yare. Yɛfrɛ wɔn Primary Care Physician (PCP) . Sɛ yɛbɛka no pɛpɛɛpɛ a, nnuruyɛfo ahorow pii wɔ hɔ:

• Oduruyɛfoɔ a ɔhwɛ nipadua mu yareɛ anaa obi a ɔhwɛ nipadua no mu - Eyinom yɛ nnipa a wɔatete wɔn titire wɔ mpaninfoɔ nyarewa ayaresa mu.
• Abusua aduruyɛ ho oduruyɛfo - Saa nnuruyɛfo yi sa abusua no nyinaa yare, efi mmofra nkumaa so kosi mpanyimfo so. Enti sɛ wo ba no tumi kɔ oduruyɛfo koro no ara nkyɛn fi ne mmofraase a, ɛno yɛ papa.
• General Practitioner (GP) - Saa nnipa yi sa nyarewa bebree a abu so.

Wɔ yɛn man yi mu no, mmofra a wɔawo wɔn foforo ne mmofra nkutoo na mmofra ho nnuruyɛfo taa sa wɔn yare kosi sɛ wobewie wɔn mmerantebere ne mmabaabere. Nanso, mfe a wɔadi yi nyɛ pɛ wɔ mmofra ayaresa nyinaa mu. Wɔ mmeae bi no, wonhu mmofra bere a wɔadi mfe 18 akyi, wɔ mmeae foforo no, ebia wɔbɛtwɛn kakra. Enti, ɛho hia paa sɛ wubebisa wo mmofra oduruyɛfo no eyi ho asɛm bere a wo ba no adu ne mmerantebere ne mmabaabere mu ara pɛ.

Sɛ nhwɛso no, sɛ wunni abusua oduruyɛfo dedaw a wususuw sɛ ɛsɛ sɛ wo ba no kɔ ne nkyɛn, anaasɛ sɛ wo ba no wɔ tebea bi a enni sabea a ɛhwehwɛ sɛ ɔpanyin bi a ɔyɛ ɔbenfo nya mmoa a, bisa wo mmofra oduruyɛfo a ɔwɔ hɔ mprempren no ma wɔmfa no nkɔ . Ebia obetumi akamfo mpanyimfo ho ɔbenfo pa akyerɛ no.

Ɛtɔ da bi a, sɛ wo ba no wɔ tebea bi a ɛntaa nsi , dɛmdi bi, anaa tebea bi a efi mmofra ase (yare a efi ase wɔ mmofraase) , ebetumi ayɛ den kakra sɛ wubenya PCP anaa oduruyɛfo titiriw a ɔsa mpanyimfo yare. Eyi te saa efisɛ ɛsɛ sɛ wunya oduruyɛfo a ɔwɔ ɔpɛ na ɔwɔ osuahu wɔ mmofra a wɔwɔ tebea horow a emu yɛ den yi a ɔbɛsa wɔn yare mu. Enti, nyansa wom sɛ wubefi ase ahwehwɛ nnuruyɛfo a wɔte saa ntɛm, bere a wo ba no sua.

Ade foforo nso ne sɛ, wubetumi asɔ oduruyɛfo titiriw foforo ahwɛ ama sɔhwɛ bere bi.Bisa sɛ wubetumi ama wo ba no anya hokwan ne wo ahyia anaa. Afei, wo ne wo ba no mmofra oduruyɛfo dedaw no nkasa na munsusuw sɛnea osuahu foforo no rekɔ so, sɛnea nneɛma rekɔ so, ne nea ɛkeka ho Ma saa adeyɛ yi nyinaa bere pii. Afei, sɛ biribi ankɔ yiye a, wo ba no betumi akɔ wɔn mmofra oduruyɛfo dedaw no nkyɛn kosi sɛ wubenya oduruyɛfo a wanyin pa a ɔfata.

Ma yɛmmoa wo mma wopaw akwahosan ho sika a ɛfata ma wo ba.

Afei momma yɛnka akwahosan ho insurance a wɔbɔ ho asɛm. Sɛ wo ba no yɛ obi a ɔhwɛ w’akwahosan ho insurance so a, sɛnea Affordable Care Act (ACA) kyerɛ no, wo ba no betumi atua wo insurance ho ka kosi sɛ obedi mfe 26. Ɛnfa ho sɛ ebia abofra no wɔ nhomasua a ɛkɔ anim, ɔte fie, ɔreyɛ adwuma, anaa waware. Wɔda so ara betumi atua wɔn ho ka wɔ wo nhyehyɛe no mu. Wɔ yɛn man yi mu no, saa mmara yi betumi ayɛ soronko kakra wɔ insurance adwumakuw biara mu, ne insurance adwumakuw biara mu. Enti, ɛbɛyɛ papa sɛ wubebisa wo insurance adwumakuw no eyi ho asɛm.

Sɛ wo ba no yɛ obi a ɔde ne ho to akwahosan ho nhyehyɛe a egyina adwuma so so a, mpɛn pii no saa sika no twam bere a abofra no adi mfe 26. Enti, ɛsɛ sɛ wufi ase hwehwɛ insurance foforo ansa na saa da no adu. Sɛ wowɔ insurance denam nhyehyɛe bi te sɛ ACA Health Insurance Marketplace so, te sɛ United States a, ebia wubetumi de saa insurance no asie akosi December 31 wɔ afe a wo ba bedi mfe 26. Ebia tebea a ɛwɔ yɛn man yi mu no bɛyɛ soronko, enti kenkan wo insurance krataa no mu nsɛm yiye.

Dɛn ne insurance ahorow a abofra no betumi apaw?

Nnwumakuw pii de kuw akwahosan ho sika ma sɛ wɔn adwumayɛfo mfaso horow no fã. Eyi ma adwumayɛfo tumi yɛ wɔn nhyehyɛe no sɛnea wɔpɛ. Ebetumi ayɛ nneɛma te sɛ nsensan, aniwa so hwɛ, ntɛmpɛ, ne ayaresa a wɔyɛ daa . Ebia biribi nso wɔ hɔ a wɔfrɛ no dɛmdi ho insurance a wɔde ma bere tenten . Eyi yɛ aduruyɛ mu mfaso horow a wunya sɛ wuntumi nyɛ adwuma bere tenten a. Nanso, eyi de ɛka foforo ba.

Sɛ wonam w’adwumawura so wɔ insurance, kyerɛ sɛ, ɛnam baabi a woyɛ adwuma so a, ɛsɛ sɛ wo ba tua nea edidi so yi ho ka:

• Monthly premium - Eyi ne sika a ɛsɛ sɛ wutua ɔsram biara na ama woatumi akura insurance no mu.
• Co-pays ne out-of-pocket fees yɛ ɛka a wotua ma akwahosan ho adwumayɛfo te sɛ nnuruyɛfo ne nnurutɔnbea ahorow. Eyinom yɛ oduruyɛfo no ka no fã anaa aduru no ho ka a wufi w’ankasa wo kotoku mu tua.

Fa no sɛ wo ba a wanyin no nni wo insurance nhyehyɛe no mu bio, na saa ara nso na onnya akwahosan ho sika denam n’adwumawura anaa ne hokafo nhyehyɛe so. Sɛ saa a, ebia wɔbɛfata sɛ wonya sika a wɔde tua ho ka wɔ nhyehyɛe bi a wɔfrɛ no COBRA (Consolidated Omnibus Budget Reconciliation Act) ase . Eyi yɛ U.S. mmara a ɛhwehwɛ sɛ akwahosan ho insurance nnwumakuw nyinaa trɛw sika a wɔde tua wɔn kuw nhyehyɛe mu no mu bere tiaa bi kosi asram 36 ma nnipa a kan no na wɔhwɛ wɔn.

COBRA nyɛ nea ɛba ara kwa. Ɛsɛ sɛ wo ba no bisa. Afei nso, ɛsɛ sɛ wobisa ntɛm efisɛ bere a wode bɛfata no sua. Nanso kae sɛ ɛbɛbɔ wo ka asen sika a wotua ɔsram biara sɛ nea egyina wo nhyehyɛe so no.

Ɛwom sɛ COBRA nhyehyɛe pɔtee biara nni hɔ a ɛte sɛ eyi wɔ yɛn man yi mu de, nanso ebia insurance nnwumakuw binom de nhyehyɛe ahorow bɛma sɛ tebea horow a ɛtete saa ano aduru. Enti, hwɛ ɛno nso mu.

Ɔkwan foforo ne sɛ wobɛpaw ankorankoro akwahosan ho sikatua denam Marketplace a ɛwɔ HealthCare.gov wɔ United States no so. Nhyehyɛe pii gyina sika a wo ba a wanyin no nya so. Wɔboa wɔn nso na ama wɔatumi atɔ. Wɔ yɛn man yi mu no, wubetumi nso anya ankorankoro insurance nkrataa denam ankorankoro insurance nnwumakuw so. Wubetumi ahu wɔn ho nsɛm pii afi adwumakuw biara hɔ.

Nneɛma a ɛsɛ sɛ wususuw ho titiriw

Nsɛm titiriw bi wɔ hɔ, na eye sɛ yɛbɛma yɛn ani aku saa nso ho.

Mpɛn pii no, insurance nnwumakuw ntumi mpow sika a wɔde tua ho ka anaasɛ wonnye sika pii mfi obi a ɔwɔ tebea bi a na ɔwɔ hɔ dedaw no ho (eyi yɛ mmara wɔ aman pii mu, na ebetumi ayɛ soronko a egyina wo insurance krataa no mu nsɛm so, enti bisa eyi ho asɛm bere a woanya wo insurance no). Sɛ wo ba no wɔ akwahosan ho ahiade soronko a , ebia wo insurance nhyehyɛe no wɔ asɛm titiriw bi ma mmofra a wɔanyinyin a wɔadi dɛm . Eyi ma mmofra a wɔanyinyin a wɔadi dɛm tumi kɔ so tra wɔn awofo nhyehyɛe so a anohyeto biara nni ho. Hwɛ sɛ wo insurance adwumakuw no de eyi ma anaa.

Wobetumi afa aban nhyehyɛe te sɛ Medicaid so atua mmofra a wɔanyinyin a wɔadi dɛm ho ka sɛ wɔn sika a wonya no nnɔɔso sɛ wɔde bɛtua ayaresa ho ka, anaasɛ sɛ wɔfata/nya mfaso te sɛ Supplemental Security Income (SSI) te sɛ nea ɛwɔ United States no a. Wɔ yɛn man yi mu no, Department of Social Services de mfasoɔ ne mmoa ahodoɔ ma nnipa a wɔadi dɛm. Wubetumi nso ahwɛ saa asɛm no mu.

Social Security Disability Insurance (SSDI) a ɛwɔ United States no yɛ nea wɔde ma wɔn a wodi dɛm ansa na wɔadi mfe 22.Ebia wo nso wobɛfata ama SSDI. Wɔde saa mfasoɔ yi ma mmofra a wɔadi dɛm a wɔn awofoɔ atua sika akɔ Social Security wɔ wɔn adwumayɛ asetena nyinaa mu. Sɛ awofo no awu, wɔakɔ pɛnhyen, anaasɛ wɔrenya dɛmdi ho mfaso nso a, saa mmofra no nso betumi afata ama saa mfaso horow yi. Wɔ SSDI asram 24 akyi no, ebia wɔbɛfata nso ama Medicare, U.S. aban insurance nhyehyɛe no.

Wɔ Sri Lanka no, nhyehyɛe ahorow te sɛ Employees Provident Fund (EPF) ne Employees Trust Fund (ETF) nso wɔ hɔ a ɛma wonya mfaso bi wɔ aduruyɛ mu ahiade ahorow bi ho. Ɛho hia nso sɛ yɛkae sɛ nnwuma pii wɔ hɔ a wontua hwee anaasɛ wɔtew ka so denam aban ayaresabea nhyehyɛe so.

Wobɛyɛ dɛn aboa wo ba kumaa ma wabɛyɛ ɔyarefo a ɔwɔ asɛyɛde?

Mpanyimfo akwahosan ho nhyehyɛe gyina ayarefo asɛyɛde so . Ɛno kyerɛ sɛ biribiara fi bere a wobɛhyehyɛ so kosi oduruyɛfo a wubetie so kosi w’aduru a wobɛnom wɔ bere ano so no yɛ w’asɛyɛde. Saa asɛyɛde no de tumidi ba . Enti, wo ba no na osi wɔn aduruyɛ ho gyinae nyinaa. Na wɔwɔ hokwan sɛ wɔde wɔn aduruyɛ ho nsɛm nyinaa sie . Gye sɛ wɔpaw sɛ wɔbɛka akyerɛ wo, kɛkɛ sɛ worenhu saa nsɛm no. Ebia eyi yɛ foforo kakra, efisɛ bere a na wɔyɛ nketewa no, na biribiara fa wo mu.

Fa no sɛ wo babea anaa wo babarima nkutoo rekɔ oduruyɛfo nkyɛn. Ɛsɛ sɛ otumi bua oduruyɛfo no nsɛmmisa na ɔkyerɛkyerɛ nea ɛhaw no mu pefee. Ɛsɛ sɛ ɔhwɛ nso sɛ ɔte oduruyɛfo no akwankyerɛ ase na odi so.

Bere a worenyin no, ɛho hia sɛ wode w’aduruyɛ ho nsɛm kyerɛ akwahosan ho ɔyaresafo biara a wubehu no. Nea ɛka eyi ho ne nneɛma te sɛ nyarewa a atwam, oprehyɛn, nnuru, ne nnuru a wɔde bɔ nkurɔfo ho ban. Afei nso, hwɛ hu sɛ wobɛka akyerɛ wo duruyɛfo sɛ wowɔ nnuru bi ho akisikuru anaa w’abusua abakɔsɛm a ɛfa nyarewa te sɛ kokoram anaa komayare ho a. Saa nsɛm yi bɛboa wo duruyɛfo ma wahu yare no pɛpɛɛpɛ na wama no ayaresa a eye sen biara.

Ka kyerɛ wo babea anaa wo babarima no sɛ ɔmfa wɔn aduruyɛ ho kyerɛwtohɔ nyinaa bi nsie, ne nnuru a wɔakyerɛw a ɛyɛ foforo nso. Eyi betumi ayɛ nea mfaso wɔ so kɛse wɔ tebea a egye ntɛmpɛ mu.

Afei nso, ɛho hia sɛ wokɔ oduruyɛfo nkyɛn bere a wowɔ ayaresa tebea bi no, ne sɛ wobɛkɔ akɔhwɛ wo na woayɛ nhwehwɛmu daa . Nhwehwɛmu ko a wuhia no begyina wo ba no ankasa ne n’abusua aduruyɛ ho abakɔsɛm so.

Mɛyɛ dɛn aboa me mma ma wɔadi wɔn ankasa akwahosan ho asodi?

Wubetumi aboa wo ba no ma wafi ase abom adi n’akwahosan ho dwuma bere a ɔyɛ mmofra no. Nkakrankakra, ma wɔnyɛ adwuma denneennen. Sɛ nhwɛso no, ma wɔnyɛ nneɛma te sɛ nhyehyɛe a wɔde bɛyɛ nhyehyɛe ne nnuru a wɔkyerɛw ma wɔn bio. Eyi ma wonya wɔn ho mu ahotoso na ɛma awofo hu sɛ wobetumi ahwɛ wɔn ho.

Fa no sɛ, sɛ wo ba di mfe 15 anaa 16 a, woka kyerɛ no sɛ, ‘Ɔba/ɔbabea, bɔ mmɔden sɛ w’ankasa wobɛkɔ wo duruyɛfo a odi hɔ no nkyɛn.’ Mfiase no, ebia wubehia mmoa kakra, nanso bere tiaa bi akyi no, ɛbɛyɛ ne su sɛ ɔno ankasa bɛyɛ. Ɛnam nneɛma nketenkete te sɛ eyi so na wosua sɛ wobegye asɛyɛde akɛse.

Nsakrae a ɛkɔ mpanyimfo akwahosan ho no nsi da koro pɛ. Ɛsɛ sɛ ɛba nkakrankakra. Nanso nhyehyɛe a wobedi kan ayɛ na wɔaka nea ɛsɛ sɛ wɔhwɛ kwan ho asɛm no bɛboa kɛse ma wɔaboa mmofra ma wɔadi wɔn ankasa akwahosan ho dwuma bere a bere no adu no.

Enti, momma yɛmfa eyi nhyɛ mu na yɛnkae nea yɛkaa ho asɛm no? (Nkrasɛm a Wɔde Kɔ Fie)

Bere a wo ba a wubefi mmofra akwahosan so akɔ mpanyimfo akwahosan ho no betumi ate nka sɛ ɛyɛ anammɔn kɛse no, sɛ wodi ho dwuma yiye a, ɛnyɛ ɔhaw.

• Fi ase ntɛm: Fi ase hwehwɛ oduruyɛfo foforo na hwehwɛ insurance akwan horow mu bere a wo ba no yɛ abofra no.
• Wo ne wo ba nkasa: Wo ne no nkasa pefee fa nsakrae yi ne n’asɛyɛde foforo ho. Tie n’adwenkyerɛ ahorow.
• Boa ma onnya oduruyɛfo pa: Boa wo ba no ma ɔmpaw oduruyɛfo a ɔfata n’ahiade yiye ne obi a obetumi ne no akasa ntɛm. Eyi ho hia titiriw sɛ wo ba no wɔ yare a enni sabea anaa ahiade soronko bi a.
• Hwɛ yiye wɔ insurance ho: Hwehwɛ bere tenten a wo ba no insurance ho ka ne akwan horow a wubetumi afa so sɛ wuhia insurance foforo a.
• Hyɛ asɛyɛde ho nkuran: Fa nkakrankakra kyerɛkyerɛ wo ba no ma ɔmfa n’ankasa akwahosan, ayaresa ho nsɛm, ne oduruyɛfo a ɔbɛkɔ akɔhwɛ no ho asodi nto ne ho so. Nya ahotoso sɛ wɔn ankasa betumi ayɛ saa nneɛma yi.
• Wo mmoa da so ara ho hia: Ɛwom sɛ wo ba no anyin de, nanso wo akwankyerɛ ne mmoa a wode bɛma no som bo kɛse wɔ nsakrae bere yi mu.

Kae sɛ eyi yɛ anammɔn biako a ɛho hia wɔ wo ba no akwantu a ɔde bɛyɛ ɔpanyin a ɔde ne ho no mu. Ɛdenam wo dɔ ne mmoa so no, ɛrenyɛ den mma wɔn sɛ wobedi asɛnnennen yi so!

` Mmofra akwahosan, mpanyimfo akwahosan ho nhyehyɛe, mmofra ayaresa, akwahosan ho insurance, mmabun akwahosan, aduruyɛ mu nsakrae, awofoyɛ ho afotu