Health insurance during and following COVID-19
How health insurance changes due to COVID-19 may affect you.
2019冠状病毒病大流行使我们许多人更仔细地审视我们的生活 health insurance 并试图弄清楚我们目前的覆盖范围是否充分满足了这些需求. If you find yourself evaluating your health plan, 知道由于COVID-19,医疗pp王者电子官网已经发生了变化.
Coverage for COVID-19 testing and vaccines
If you need care as the result of contracting COVID-19, 特殊规则可能会影响您所负责的pp王者电子官网范围. In March of 2020, Congress passed the CARES Act, 这就取消了一些服务的费用分摊,如检测和疫苗. Under the law在美国,pp王者电子官网公司通常必须支付检测费用——这意味着你什么也不用付. Vaccines, too, must be provided free of charge. And if you don't have insurance, 如果你的医疗服务提供者向政府收费,你就可以免费接受COVID-19治疗.
Have you lost health insurance coverage because of a job loss?
COBRA法律允许你继续你的前雇主的计划 for up to 18 months (provided you cover the full premium). You may also meet requirements for Medicaid, and if you have children, 他们有资格获得儿童健康pp王者电子官网计划(CHIP).
此外,可负担得起的健康pp王者电子官网覆盖范围通过 health insurance marketplace, and financial assistance to subsidize monthly premiums may be available to those who qualify.
Assess your health insurance coverage
To make sure your health care needs are met, 仔细看看如果你得了COVID-19,你的计划能提供多少pp王者电子官网. If you need to make changes, 你可以在11月的开放注册期间开始,那时你有资格改变你的医疗保健.
If you've lost coverage, here's what you need to know.
LOST COVERAGE
2020年3月1日至5月2日期间,超过3100万人申请了失业pp王者电子官网.
7800万人生活在有人失业的家庭中.
- 61% were covered by health insurance through their employer
- 17% had Medicaid
- 9% were uninsured
- 7% had direct purchase (marketplace) coverage
- 6% had other coverage, such as Medicare or military coverage
COVERAGE OPTIONS
If you've lost your job and no longer have health insurance, 以下是一些可以让你有保障的选择:
INSURANCE MARKETPLACE
- HealthCare.gov是一个医疗pp王者电子官网交易网站,由美国联邦政府根据《pg电子官方网页版》的规定运营. 在那里,你可以查看你的可用健康pp王者电子官网选择,看看你是否有资格获得经济援助.2
COBRA
- 此选项允许您在一段有限的时间内继续获得前雇主的团体健康计划提供的团体健康福利.3
EMPLOYER-SPONSORED DEPENDENT COVERAGE
- 失业被认为是一种符合条件的生活事件,它可能使你有资格作为配偶或父母的受抚养人享受医疗保健计划.
MEDICAID
- 如果你住在《pg电子官方网页版》(Affordable Care Act)覆盖范围扩大的州,你可能符合资格.4
CHILDREN'S HEALTH INSURANCE PROGRAM (CHIP)
- For kids up to age 19; eligibility is based on income but varies by state.5
如果你失去了健康pp王者电子官网或者对pp王者电子官网范围感到好奇,请访问by0773.com/simple-insights.
1 http://www.kff.org/coronavirus-covid-19/issue-brief/eligibility-for-aca-health-coverage-following-job-loss/
2 http://www.healthcare.gov/more-savings/
3 http://www.healthcare.gov/unemployed/cobra-coverage/
4 http://www.kff.org/coronavirus-covid-19/issue-brief/eligibility-for-aca-health-coverage-following-job-loss/view/footnotes//content/StateFarmAEM/us/en#footnote-4.html64742-1
5 http://www.insurekidsnow.gov/find-coverage-your-family/frequently-asked-questions/index.html#childEligible