Какво ново за нашият етнически контингент който желае застраховка?

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Тази седмица започна с профилактика на централната система за Квалификация за субсидия по АСА (Affordable Care Act). Тя отне общо 3 дни.
Какво ново за нашият етнически контингент който желае застраховка? Както е показано на графиката към тази статия, има един процент от случаи, които не се квалифицират не само защото доходът им е по-висок от минималния за Медикейд и по-нисък от прага за получаване на субсидия, но и защото са от твърде скоро в САЩ и още имат твърде кратка данъчна и кредитна история или изобщо нямат такава. Системата не може да ги разпознае, а и няма база да ги квалифицира. Нека отново напомня, че се прави справка в данъчната, социално осигурителната и имитационната система. За тези случаи препоръчвам закупуването на временна застраховка (до 11 месеца) за да могат да преминат този праг. Цената е по-ниска за сметка на липсата на безплатна профилактика. Тези временните застраховки имат лимитирано покритие, но то е достатъчно високо: до 5 милиона. Само до миналата година най-добрите застраховки имаха такъв лимит. Днес, когато новият закон действува, покритието по въведените Бронз, Силвър, Голд и Плтинум планове е без ограничение в тавана.  За децата остава да действува AllKids и трябва да се подават заявления в съответните офиси или чрез интернет уебадреса.
Субсидията или още така нареченият Такс Кредит се предоставя за хора с индивидуален доход между $15,281 и $45,960 ($23,550 и $94,200 за четиричленно семейство). Допълнителни споделени намаления също са възможни и те засягат данъците които ежегодно се връщат и моите наблюдения показват че към тях се прибавя и още, за да се намали дидактибъла и ко-иншуранса.
Продължавам да повтарям някои основни положения за да стане ясно откъде идват изключенията. Посещават ме новодошли, които сега подават първите си данъчни декларации и имат колеблива заработка от само няколко месеца. Техният доход е много нисък, но те още не фигурират в системата и освен да запишат децата си в AllKids, не могат да ползват повече привилегии. Те нямат достатъчно престой в Съединените Щати.
По-долу са показани профилактичните грижи и как те се прилагат преди дидактибъла и ко-иншуранса. Моля ви, запазете си тази информация или запомнете къде се намира (Healthcare.gov). Ако и след като я  прочетете, считате че законът нищо не е постигнал за вас и вашето семейство, аз нямам коментар.
Прилагам ги на английски както са в оригинал, защото така по-лесно ще ги коментирате с вашият лекар.

(Следва)

Поради многото въпроси които получавам по телефона и невъзможността да отделя 30 минути за всеки, предлагам безплатен семинар всяка събота от 11.30 АМ с лека закуска в офиса ми. Моля обадете се за записване най-късно предходния ден. Местата са ограничени. Адресът е 1043 S York Rd LL7 (low level #7) в Bensenville. 5 минути на юг по York Rd точно преди Grand Ave.ако идвате от север. Във Фейсбук търсете Helpico Insurance Agency и Events на страницата.

Анна Русева
в.”България СЕГА”

 

 

 

 

 

 


Agent/Broker, Licensed and trained for On the Market and OFF The Market insurance products, Anna.ruseva@gmail.com, (773) 742-6626 www.myHelpico.com
Comprehensive coverage for women’s preventive care

All Marketplace health plans and many other plans must cover the following list of preventive services for women without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.(Прилага се без дедактибъл и ко-иншуранс).
This applies only when these services are delivered by an in-network provider.
1.    Anemia screening on a routine basis for pregnant women
2.    Breast Cancer Genetic Test Counseling (BRCA) for women at higher risk for breast cancer
3.    Breast Cancer Mammography screenings every 1 to 2 years for women over 40
4.    Breast Cancer Chemoprevention counseling for women at higher risk
5.    Breastfeeding comprehensive support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women
6.    Cervical Cancer screening for sexually active women
7.    Chlamydia Infection screening for younger women and other women at higher risk
8.    Contraception: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.”
9.    Domestic and interpersonal violence screening and counseling for all women
10.    Folic Acid supplements for women who may become pregnant
11.    Gestational diabetes screening for women 24 to 28 weeks pregnant and those at high risk of developing gestational diabetes
12.    Gonorrhea screening for all women at higher risk
13.    Hepatitis B screening for pregnant women at their first prenatal visit
14.    HIV screening and counseling for sexually active women
15.    Human Papillomavirus (HPV) DNA Test every 3 years for women with normal cytology results who are 30 or older
16.    Osteoporosis screening for women over age 60 depending on risk factors
17.    Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
18.    Sexually Transmitted Infections counseling for sexually active women
19.    Syphilis screening for all pregnant women or other women at increased risk
20.    Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
21.    Urinary tract or other infection screening for pregnant women
22.    Well-woman visits to get recommended services for women under 65
Free preventive services
All Marketplace plans and many other plans must cover the following list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible. This applies only when these services are delivered by a network provider. .(Прилага се без дедактибъл и ко-иншуранс).
1.    Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
2.    Alcohol Misuse screening and counseling
3.    Aspirin use to prevent cardiovascular disease for men and women of certain ages
4.    Blood Pressure screening for all adults
5.    Cholesterol screening for adults of certain ages or at higher risk
6.    Colorectal Cancer screening for adults over 50
7.    Depression screening for adults
8.    Diabetes (Type 2) screening for adults with high blood pressure
9.    Diet counseling for adults at higher risk for chronic disease
10.    HIV screening for everyone ages 15 to 65, and other ages at increased risk
11.    Immunization vaccines for adults--doses, recommended ages, and recommended populations vary:
•    Hepatitis A
•    Hepatitis B
•    Herpes Zoster
•    Human Papillomavirus
•    Influenza (Flu Shot)
•    Measles, Mumps, Rubella
•    Meningococcal
•    Pneumococcal
•    Tetanus, Diphtheria, Pertussis
•    Varicella
12.    Obesity screening and counseling for all adults
13.    Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
14.    Syphilis screening for all adults at higher risk
15.    Tobacco Use screening for all adults and cessation interventions for tobacco users
Healthcare.gov
Preventive health services for children
Most health plans must cover a set of preventive health services for children at no cost when delivered by an in-network provider. This includes Marketplace and Medicaid coverage. .(Прилага се без дедактибъл и ко-иншуранс).
Coverage for children’s preventive health services
All Marketplace health plans and many other plans must cover the following list of preventive services for children without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.
1.    Autism screening for children at 18 and 24 months
2.    Behavioral assessments for children at the following ages: 0 to 11 months, 1 to 4 years,5 to 10 years, 11 to 14 years, 15 to 17 years.
3.    Blood Pressure screening for children at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
4.    Cervical Dysplasia screening for sexually active females
5.    Depression screening for adolescents
6.    Developmental screening for children under age 3
7.    Dyslipidemia screening for children at higher risk of lipid disorders at the following ages: 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
8.    Fluoride Chemoprevention supplements for children without fluoride in their water source
9.    Gonorrhea preventive medication for the eyes of all newborns
10.    Hearing screening for all newborns
11.    Height, Weight and Body Mass Index measurements for children at the following ages:0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
12.    Hematocrit or Hemoglobin screening for children
13.    Hemoglobinopathies or sickle cell screening for newborns
14.    HIV screening for adolescents at higher risk
15.    **Hypothyroidism screening for newborns
16.    Immunization vaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary:
•    Diphtheria, Tetanus, Pertussis
•    Haemophilus influenzae type b
•    Hepatitis A
•    Hepatitis B
•    Human Papillomavirus
•    Inactivated Poliovirus
•    Influenza (Flu Shot)
•    Measles, Mumps, Rubella
•    Meningococcal
•    Pneumococcal
•    Rotavirus
•    Varicella
17.    Iron supplements for children ages 6 to 12 months at risk for anemia
18.    Lead screening for children at risk of exposure
19.    Medical History for all children throughout development at the following ages: 0 to 11 months, 1 to 4 years , 5 to 10 years , 11 to 14 years , 15 to 17 years.
20.    Obesity screening and counseling
21.    Oral Health risk assessment for young children Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years.
22.    Phenylketonuria (PKU) screening for this genetic disorder in newborns
23.    Sexually Transmitted Infection (STI) prevention counseling and screening for adolescents at higher risk
24.    Tuberculin testing for children at higher risk of tuberculosis at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
25.    Vision screening for all children.
Healthcare.gov
Preventive health services for children
Most health plans must cover a set of preventive health services for children at no cost when delivered by an in-network provider. This includes Marketplace and Medicaid coverage. .(Прилага се без дедактибъл и ко-иншуранс).
Coverage for children’s preventive health services
All Marketplace health plans and many other plans must cover the following list of preventive services for children without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.
1.    Autism screening for children at 18 and 24 months
2.    Behavioral assessments for children at the following ages: 0 to 11 months, 1 to 4 years,5 to 10 years, 11 to 14 years, 15 to 17 years.
3.    Blood Pressure screening for children at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
4.    Cervical Dysplasia screening for sexually active females
5.    Depression screening for adolescents
6.    Developmental screening for children under age 3
7.    Dyslipidemia screening for children at higher risk of lipid disorders at the following ages: 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
8.    Fluoride Chemoprevention supplements for children without fluoride in their water source
9.    Gonorrhea preventive medication for the eyes of all newborns
10.    Hearing screening for all newborns
11.    Height, Weight and Body Mass Index measurements for children at the following ages:0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
12.    Hematocrit or Hemoglobin screening for children
13.    Hemoglobinopathies or sickle cell screening for newborns
14.    HIV screening for adolescents at higher risk
15.    **Hypothyroidism screening for newborns
16.    Immunization vaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary:
•    Diphtheria, Tetanus, Pertussis
•    Haemophilus influenzae type b
•    Hepatitis A
•    Hepatitis B
•    Human Papillomavirus
•    Inactivated Poliovirus
•    Influenza (Flu Shot)
•    Measles, Mumps, Rubella
•    Meningococcal
•    Pneumococcal
•    Rotavirus
•    Varicella
17.    Iron supplements for children ages 6 to 12 months at risk for anemia
18.    Lead screening for children at risk of exposure
19.    Medical History for all children throughout development at the following ages: 0 to 11 months, 1 to 4 years , 5 to 10 years , 11 to 14 years , 15 to 17 years.
20.    Obesity screening and counseling
21.    Oral Health risk assessment for young children Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years.
22.    Phenylketonuria (PKU) screening for this genetic disorder in newborns
23.    Sexually Transmitted Infection (STI) prevention counseling and screening for adolescents at higher risk
24.    Tuberculin testing for children at higher risk of tuberculosis at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.
25.    Vision screening for all children.
Healthcare.gov








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