Yu pikin dɔn big naw, nɔto so? Aw yu kin chenj frɔm pikin dɛn kia to big pipul dɛn wɛlbɔdi biznɛs?

Taym de flay, nɔto so? Yu go mɔs mɛmba di de we yu kɛr yu smɔl pikin go to di dɔktɔ we de mɛn pikin dɛn fɔ di fɔs tɛm. Bɔt, wi pikin dɛn nɔ de de smɔl sote go. Di tɛm de kam fɔ mek yu pikin chenj to big pipul dɛn wɛlbɔdi biznɛs. Dis chenj kin tranga yu ɛn yu pikin smɔl. Bɔt nɔ wɔri, if wi ɔl tu pripia fayn, dis kin bi wan smol transishɔn to big pɔsin.

Yu want fɔ ɛp yu smɔl pikin fɔ fɛn nyu dɔktɔ?

We pikin dɛn ol, dat min se we dɛn rich yɔŋ ej, dɛn kin fɛn dɔktɔ we de trit big pipul dɛn. Wi kin kɔl dɛn Praymari Keya Dɔktɔ (PCP) . Fɔ tɔk di kɔrɛkt tin, bɔku kayn dɔktɔ dɛn de:

• Intanɛnt mɛdisin dɔktɔ ɔ intanɛnt dɔktɔ - Dɛn wan ya na pipul dɛm wae dɛn dɔn tren spɛshal wan fɔ trit big pipul dɛm sik dɛm.
• Famili mɛrɛsin dɔktɔ - Dɛn dɔktɔ ya kin trit di wan ol famili, frɔm yɔŋ pikin to big pipul. So if yu pikin kin go to di sem dɔktɔ frɔm we i smɔl, dat na fayn tin.
• Jɛnɛral Prɛktishɔn (GP) - Dɛn pipul ya kin trit bɔku kɔmɔn sik.

Insay wi kɔntri, bɔku tɛm, di wan dɛn we de mɛn pikin dɛn kin trit jɔs pikin dɛn we dɛn jɔs bɔn ɛn pikin dɛn te dɛn dɔn. Bɔt dis ej limit nɔ di sem pan ɔl di pikin dɛn we dɛn kin mɛn. Na sɔm ples dɛn, dɛn nɔ kin si pikin dɛn afta dɛn dɔn ol 18 ia, na ɔda say dɛn kin wet smɔl. So, i rili impɔtant fɔ aks yu dɔktɔ we de mɛn pikin dɛn bɔt dis jɔs lɛk aw yu pikin dɔn rich yɔŋ tɛm.

Fɔ ɛgzampul, if yu nɔ gɛt famili dɔktɔ yet we yu tink se yu pikin fɔ si, ɔ if yu pikin gɛt wan sik we nɔ de mɛn we nid fɔ gɛt spɛshal dɔktɔ fɔ big pipul dɛn, aks di dɔktɔ we de mɛn pikin dɛn naw fɔ mek dɛn rifer yu . I kin ebul fɔ tɛl pɔsin we sabi du gud fɔ big pipul dɛn.

Sɔntɛnde, if yu pikin gɛt wan sik we nɔ kin apin so ɔltɛm , disabled, ɔ wan sik we kin bigin fɔ pikin dɛn (wan sik we kin bigin we i smɔl) , i kin tranga smɔl fɔ fɛn PCP ɔ spɛshal pɔsin we de trit big pipul dɛn. Dis na bikɔs yu nid fɔ fɛn dɔktɔ we rɛdi ɛn gɛt ɛkspiriɛns fɔ trit pikin dɛn we gɛt dɛn kɔmpleks sik ya. So, i go fayn fɔ mek yu bigin fɔ luk fɔ dɛn kayn dɔktɔ dɛn de kwik kwik wan, we yu pikin yɔŋ.

Wan ɔda tin, yu kin tray fɔ gɛt nyu spɛshal pɔsin fɔ wan tɛm we yu de tray fɔ du am.Aks if yu kin gi yu pikin di chans fɔ mit wit yu. Dɔn, tɔk to yu pikin in ol dɔktɔ we de mɛn pikin dɛn ɛn tɔk bɔt aw di nyu ɛkspiriɛns de go, aw tin de go, ɛn ɔda tin dɛn Gi dis ɔl di prɔses bɔku tɛm. Dɔn, if sɔntin nɔ apin, yu pikin go ebul fɔ go to dɛn ol dɔktɔ we de mɛn pikin dɛn te yu fɛn gud big dɔktɔ we go gri wit am.

Lɛ wi ɛp yu fɔ pik di rayt wɛlbɔdi kɔvarej fɔ yu pikin.

Naw lɛ wi tɔk bɔt wɛlbɔdi inshɔrans kɔvarej. If yu pikin na pɔsin we de dipen pan yu wɛlbɔdi inshɔrans, akɔdin to di Affordable Care Act (ACA) , yu pikin kin gɛt yu inshɔrans kɔba te i ol 26. I nɔ mata if di pikin de na ay edyukeshɔn, liv na os, wok, ɔ mared. Dɛn kin stil kɔba dɛn bay yu polisi. Insay wi kɔntri, dɛn lɔ ya kin difrɛn smɔl frɔm wan inshɔrans kɔmni to ɔda kɔmni, ɛn frɔm wan polisi to ɔda polisi. So, i go fayn fɔ aks yu inshɔrans kɔmni bɔt dis.

If yu pikin na pɔsin we de dipen pan wɛlbɔdi biznɛs we i de du, da kɔvarej de kin dɔn we di pikin rich 26. So, yu fɔ bigin fɔ luk fɔ nyu inshɔrans kɔvarej lɔng bifo da de de. If yu gɛt inshɔrans tru wan sistɛm lɛk di ACA Wɛlbɔdi Inshɔrans Maketples, lɛk na Amɛrika, yu kin ebul fɔ kip da inshɔrans de te Disɛmba 31 insay di ia we yu pikin ol 26. Di tin we de apin na wi kɔntri kin difrɛn, so rid di tin dɛn we de na yu inshɔrans polisi gud gud wan.

Wetin na di inshɔrans opshɔn dɛn fɔ di pikin?

Bɔku kɔmni dɛn kin gi grup wɛlbɔdi kɔvarej as pat pan dɛn wokman bɛnifit pakej. Dis kin mek di wokman dɛn ebul fɔ mek dɛn plan fɔ dɛnsɛf. I kin inklud tin dɛn lɛk fɔ kia fɔ dɛn tit, fɔ kia fɔ yu yay, fɔ kia fɔ yu kwik kwik wan, ɛn fɔ kia fɔ yu ɔltɛm . Sɔntin kin de bak we dɛn kɔl lɔng tɛm disabiliti inshɔrans . Dis na mɛrɛsin bɛnifit wae yu kin gɛt if yu nɔr ebul fɔ woke fɔ lɔng tɛm. Bɔt dis kin kam wit ɔda kɔst.

If yu gɛt inshɔrans tru yu bɔs, dat na tru di say we yu de wok, yu pikin go gɛt fɔ pe fɔ dɛn tin ya:

• Mɔnt prɛmiɔm - Dis na di mɔni we yu fɔ pe ɛvri mɔnt fɔ mek yu kɔntinyu fɔ gɛt di inshɔrans.
• Kɔ-pay ɛn ɔt-ɔf-poket fi na di kɔst dɛm we yu de pe to wɛlbɔdi biznɛs pipul dɛm, lɛk dɔktɔ ɛn famasi dɛm. Dis na di pat pan di dɔktɔ in fi ɔ di kɔst fɔ di mɛrɛsin we yu de pe na yu yon poket.

Imajin se yu big pikin nɔ gɛt yu inshɔrans plan igen, ɛn i nɔ gɛt wɛlbɔdi kɔvarej tru in bɔsman ɔ in man ɔ wɛf in plan. If na so, dɛn kin fit fɔ gɛt kɔvarej ɔnda wan program we dɛn kɔl COBRA (Consolidated Omnibus Budget Reconciliation Act) . Dis na U.S. lɔ we se ɔl di wɛlbɔdi inshɔrans kɔmni dɛn fɔ ɛkstɛnd kɔvarej pan dɛn grup plan fɔ sɔm tɛm fɔ te 36 mɔnt fɔ pipul dɛn we bin de dipen pan dɛn trade.

COBRA nɔ jɔs de apin. Yu pikin gɛt fɔ aplay fɔ am. Dɔn bak, yu nid fɔ aplay kwik bikɔs di tɛm we yu fɔ ebul fɔ aplay nɔ bɔku. Bɔt mɛmba se i go kɔst yu pas di prɛmiɔm we yu bin de pe ɛvri mɔnt as pɔsin we de dipen pan yu plan.

Pan ɔl we no patikyula COBRA sistɛm lɛk dis nɔ de na wi kɔntri, sɔm inshɔrans kɔmni dɛn kin gi difrɛn plan dɛn as sɔlv fɔ dɛn kayn tin ya. So, chɛk insay dat bak.

Wan ɔda tin we yu kin du na fɔ pik wan wan wɛlbɔdi kɔvarej tru di Maketples na HealthCare.gov na Amɛrika. Bɔku plan dɛn de bay di mɔni we yu big pikin de gɛt. Dɛn kin sɔbsidi dɛn bak fɔ mek dɛn ebul fɔ bay dɛn mɔ. Insay wi kɔntri, yu kin gɛt wan wan inshɔrans polisi dɛn bak tru prayvet inshɔrans kɔmni dɛn. Yu kin fɛn ɔda tin dɛn bɔt dɛn frɔm ɛni kɔmni.

Tin dɛn we yu fɔ tink bɔt mɔ

Sɔm spɛshal kes dɛn de, ɛn i fayn fɔ mek wi no bɔt dɛn wan dɛn de bak.

Inshɔrans kɔmni dɛn jɔs nɔ kin ebul fɔ dinay kɔvarej ɔ chaj mɔ fɔ pɔsin we gɛt wan sik we bin dɔn de bifo (dis na lɔ na bɔku kɔntri dɛn, ɛn i kin difrɛn difrɛn wan bay wetin yu inshɔrans polisi se, so aks bɔt dis we yu gɛt yu polisi). If yu pikin gɛt spɛshal wɛlbɔdi nid fɔ kia fɔ yu , yu inshɔrans plan kin gɛt spɛshal kloz fɔ big pikin dɛn we gɛt disabled . Dis kin mek big pikin dɛn we gɛt disabled kin kɔntinyu fɔ de na dɛn mama ɛn papa dɛn plan we dɛn nɔ gɛt ɛnitin fɔ stɔp dɛn. Chek fɔ si if yu inshɔrans kɔmni de gi yu dis.

Dɛn kin kɔba big pikin dɛn we gɛt disabiliti tru gɔvmɛnt program dɛn lɛk Mɛdikal Keyd if dɛn inkɔm nɔ go du fɔ kɔba di kɔst fɔ mɛdikal savis, ɔ if dɛn kwalifay fɔ/gɛt bɛnifit lɛk Supplemental Security Income (SSI) lɛk na Amɛrika. Insay wi kɔntri, di Dipatmɛnt fɔ Sɔshial Savis de gi difrɛn bɛnifit ɛn ɛp to pipul dɛn we gɛt disabiliti. Yu kin luk insay dat bak.

Sɔshial Sikyuriti Disabiliti Inshɔrans (SSDI) na Amɛrika na fɔ di wan dɛn we gɛt disabled bifo dɛn ol 22 ia.Yu kin fit fɔ gɛt SSDI bak. Dɛn kin gi dɛn bɛnifit ya to pikin dɛn we gɛt disabled we dɛn mama ɛn papa dɔn pe insay Sɔshial Sikyuriti ɔl dɛn wok layf. If di mama ɛn papa dɔn day, dɛn dɔn ritaia, ɔ dɛn de gɛt disabiliti bɛnifit bak, dɛn pikin dɛn de kin fit fɔ gɛt dɛn bɛnifit ya bak. Afta 24 mɔnt we dɛn dɔn du SSDI, dɛn kin ebul bak fɔ gɛt Mɛdikal, we na di U.S gɔvmɛnt inshɔrans plan.

Insay Sri Lanka, skim dɛn de bak lɛk di Employees Provident Fund (EPF) ɛn di Employees Trust Fund (ETF) we de gi sɔm bɛnifit fɔ sɔm mɛrɛsin nid dɛn. I impɔtant bak fɔ mɛmba se bɔku savis dɛn de fɔ fri ɔ fɔ ridyus kɔst tru di gɔvmɛnt ɔspitul sistɛm.

Aw yu go ɛp yu smɔl pikin fɔ bi pɔsin we gɛt rɛspɔnsibiliti fɔ peshɛnt?

Di wɛlbɔdi biznɛs fɔ big pipul dɛn de bay di pɔsin in rispɔnsibiliti . Dat min se ɔltin frɔm fɔ mek apɔntinmɛnt to fɔ lisin to di dɔktɔ to fɔ tek yu mɛrɛsin di rayt tɛm na yu wok. Wit da rispɔnsibiliti de kam fɔ kɔntrol . So, na yu pikin de disayd ɔl dɛn mɛrɛsin. Ɛn dɛn gɛt rayt fɔ kip dɛn prayvet pat bɔt ɔl dɛn mɛrɛsin infɔmeshɔn. If dɛn nɔ disayd fɔ sheb am wit yu, yu nɔ go jɔs no da infɔmeshɔn de. Dis kin bi nyu tin smɔl, bikɔs we dɛn bin smɔl, ɔltin bin de go tru yu.

Imajin se na yu gyal pikin ɔ bɔy pikin nɔmɔ go go to di dɔktɔ. I nid fɔ ebul fɔ ansa di dɔktɔ in kwɛstyɔn dɛn ɛn ɛksplen klia wan wetin de mɔna am. I nid fɔ mek shɔ bak se i ɔndastand ɛn fala wetin di dɔktɔ tɛl am fɔ du.

As yu de ol, i impɔtant fɔ sheb yu mɛrɛsin infɔmeshɔn wit ɔl di wɛlbɔdi biznɛs pipul dɛm we yu si. Dis kin inklud tin dɛm lɛk sik dɛm we yu bin dɔn gɛt bifo, ɔpreshɔn, mɛrɛsin, ɛn imunayzeshɔn. Dɔn bak, mek shɔ se yu tɛl yu dɔktɔ if yu gɛt ɛni alɛji to mɛrɛsin ɔ yu famili histri bɔt sik dɛn lɛk kansa ɔ at sik. Dis infɔmeshɔn go ɛp yu dɔktɔ fɔ no di sik kɔrɛkt wan ɛn gi yu di bɛst tritmɛnt.

Tɛl yu gyal pikin ɔ yu bɔy pikin fɔ kip kɔpi fɔ ɔl dɛn mɛdikal rɛkɔd, ɛn bak wan list we de ɔp-to-dɛt fɔ di mɛrɛsin dɛn. Dis kin rili yusful if ɛnitin apin we nɔ izi fɔ du.

Dɔn bak, i impɔtant fɔ go to dɔktɔ we yu gɛt wan sik, ɛn bak fɔ de chɛk yu ɔltɛm ɛn chɛk yu . Di kayn tɛst we yu nid go dipen pan yu pikin in pasɔnal ɛn in famili mɛdikal histri.

Aw a go ɛp mi pikin dɛn fɔ tek di wok fɔ kia fɔ dɛn yon wɛlbɔdi biznɛs?

Yu kin ɛp yu pikin fɔ bigin fɔ kɔ-manej in wɛlbɔdi biznɛs we i yɔŋ. Smɔl smɔl, lɛ dɛn tek pat pan di wok. Fɔ ɛgzampul, lɛ dɛn du tin dɛn lɛk fɔ mek apɔntinmɛnt ɛn fɔ ful-ɔp di prɛskrishɔn dɛn bak. Dis kin mek dɛn gɛt kɔnfidɛns pan dɛnsɛf ɛn sho mama ɛn papa dɛn se dɛn kin kia fɔ dɛnsɛf.

Imajin, we yu pikin ol 15 ɔ 16 ia, yu tɛl am se, ‘Pikin/ gyal pikin, tray fɔ mek yu nɛks dɔktɔ apɔntinmɛnt yusɛf.’ Fɔs, yu kin nid smɔl ɛp, bɔt afta sɔm tɛm, i go yus fɔ du am fɔ insɛf. Na tru smɔl smɔl tin dɛn lɛk dis, dɛn kin lan fɔ tek big big wok dɛn.

Di chenj to big pipul dɛn wɛlbɔdi biznɛs nɔ kin apin wan nɛt. I nid fɔ apin smɔl smɔl. Bɔt fɔ plan bifo tɛm ɛn tɔk bɔt wetin fɔ ɛkspɛkt go ɛp pikin dɛn fɔ manej dɛn yon wɛlbɔdi biznɛs we di tɛm rich.

So, mek wi put dis togeda en memba wetin wi tok abaut? (Mɛsej we dɛn kin tek go na os)

Pan ɔl we fɔ muv yu pikin frɔm pikin dɛn to big pipul dɛn wɛlbɔdi biznɛs kin fil lɛk big step, i nɔto prɔblɛm if dɛn manej am fayn.

• Start kwik: Start fɔ luk fɔ nyu dɔktɔ ɛn luk fɔ inshɔrans opshɔn dɛn we yu pikin yɔŋ.
• Tɔk to yu pikin: Tɔk to am opin wan bɔt dis chenj ɛn di nyu wok dɛn we i dɔn du. Lisin to di tin dɛn we i de tink bɔt.
• Ɛp fɔ fɛn gud dɔktɔ: Ɛp yu pikin fɔ pik dɔktɔ we fit in nid ɛn pɔsin we i go ebul fɔ tɔk to izi wan. Dis kin impɔtant mɔ if yu pikin gɛt sik we nɔ de mɛn ɔ if i gɛt spɛshal nid.
• Tek tɛm bɔt inshɔrans: Risach aw yu pikin go tek in inshɔrans ɛn di tin dɛn we yu go ebul fɔ du if yu nid nyu inshɔrans.
• Ɛnkɔrej fɔ tek rispɔnsibiliti: Smɔl smɔl tich yu pikin fɔ tek rispɔnsibiliti fɔ in yon wɛlbɔdi biznɛs, fɔ no bɔt mɛrɛsin, ɛn fɔ go to dɔktɔ. Mek yu gɛt kɔnfidɛns se dɛn go ebul fɔ du dɛn tin ya fɔ dɛnsɛf.
• Yu nid stil nid fɔ ɛp yu: Pan ɔl we yu pikin dɔn big, yu gayd ɛn sɔpɔt rili impɔtant insay dis tɛm we yu de chenj.

Mɛmba se dis na jɔs wan impɔtant tin we yu pikin go du fɔ mek i bi big pɔsin we want fɔ du am. Wit yu lov en sopot, e no go tranga fo dem fo win dis challenge!

` Pikin dɛn wɛlbɔdi, big pipul dɛn wɛlbɔdi biznɛs, pikin dɛn mɛdikal kia, wɛlbɔdi inshɔrans, yɔŋ pipul dɛn wɛlbɔdi, mɛdikal transishɔn, advays bɔt aw fɔ mɛn pikin dɛn