tm - hbex.ca.gov · i ¶ é ft 15 m ñ qñ a xefÚ 2015. 1 tm cmnynmnusskñúgrkysar rbs;elakgñk...
TRANSCRIPT
Covered CaliforniaTM KWCakmµviFIbegIáteLIgedayrdækalIh½Vrj:a EdlGac[GñkeRbob
eFob nigTijKeRmagFanar:ab;rgsuxPaBÉkCn nigTTYl)anCMnYyhirBaØvtßúedIm,Ibg;éfø;
Fanar:ab;rgsuxPaB ebIGñkmanKuNsm,tþi;.
karENnaMenHnwgCYyGñkyl;dwgkan;Etc,as;GMBICeRmIsrbs;Gñk
nigcuHeQµaHkñúgKeRmagsuxPaBEdls½kþismnwgtRmUvkarrbs;GñkbMput.
BinitüemIlfaetIelakGñkGacmansiT§iTTYl)anCMnYyhirBaØvtßúb¤y:agNa³
CMhanTI 1:GñkGacTTYl)anCMnYykñúgkarbg;éfø;Fanar:ab;rgsuxPaBebIGñkmanKuNsm,tþi
karmanFanar:ab;rgsuxPaBFanaCUnGñknUvPaBs¶b;suxpøÚvcitþ RbsinebImanGVIEdlminrMBwgTukekIteLIg b:uEnþeyIgPaKeRcInRBYy
)armÖGMBIkarcMNay. CMnYyhirBaØvtßúkñúgTRmg;Ca\NTanBnæmanCUnGñkEdlmanKuNsm,tþi;Ep¥kelITMhM nigR)ak;cMNUlkñúgRKYsar -
R)ak;cMNUlrbs;Gñkkan;EtTabGñkGacTTYl)annUvCMnYyhirBaØvtßúkan;EteRcInBI Covered California .
ebIGñkminmanKuNsm,tTTYl)anCMnYyhirBaØvtßúeT Gñkk¾GaccuHeQµaHkñúgKeRmag;Fanar:ab;rgsuxPaBtamry³ Covered California.
sUmemIltaragxageRkamb¤cUleTA Shop and Compare Tool enA CoveredCA.com edIm,IEsVgyl;faetIKeRmag
rbs;GñkGaccMNayb:unµan nigedIm,IsikSafaetIGñkmanKuNsm,tþiTTYl)ansRmab;CMnYyhirBaØvtßú b¤ Medi-Cal b¤y:agna.
sRmab;karFanar:ab;rg
Edlcab;epþImenAéf¶TI
1 Exmkra qñaM 2016
sUmcuHeQµaHenARtwm
éfT¶ I 15 ExF Úñ qañ M 2015.
1
TM
cMnYnmnusSkñúgRKYsar rbs;elakGñk
RbsinebIR)ak;cMNUlRKYsarrbs;elakGñk enAqñaM 2016 mancMnYnticCag…
RbsinebIR)ak;cMNUlRKYsarrbs;Gñk enAqñaM 2016 sßitkñúgcenøaH…
elakGñkGacmansiT§iTTYl)an Medi-Cal
1
3
5
2
4
$16,243
$27,725
$39,206
$16,243 – $47,080
$27,725 – $80,360
$39,206 – $113,640
$21,984
$33,466
$21,984 – $63,720
$33,466 – $ 97,000
elakGñkGacmansiT§iTTYl)anCMnYy hirBaØvtßú edIm,ITijFanara:b;rgtamry³ Covered California
karENnaMGMBImYyCMhanmþg
karcuHeQµaHkñúgKeRmagFanar:ab;rg suxPaBEdlmanKuNPaB
(smÁal;³ {Shop and Compare Tool}manCaPasa Gg;eKøs)
NOV JAN
311
បœ œក%រចុះ *+, ះ-. ក/ុង ខែ វិច5ិ%ថ7ៃ ទ ី1 ខែ មក< =>ំ2015 31, 2016.
2
karcuHeQµaHkñúgKeRmagFanar:ab;rgsuxPaBEdlmanKuNPaB
CMhanTI 2: EsVgrkCeRmIsFanar:ab;rgrbs;Gñk.Covered Californiapþl;CUnnUvKeRmagsuxPaBCaeRcIn dUecñHGñkGaceRCIserIsKeRmagmYyEdlbMeBjnUv tRmUvkarsuxPaB nigfvikarbs;Gñk)anl¥bMput.
munnwgGñkeRCIserIsKeRmagsuxPaBrbs;Gñk sUmBicarNaktþaTaMgenH³etIkarFanar:ab;rgkRmitNaEdlGñk nigRKYsarGñkRtUvkar? Covered Californiapþl;CUnnUvKeRmagsuxPaBCa eRcInsRmab;eRCIserIs Ep¥kelIsßanPaBsuxPaB nighirBaØvtßúTaMgmUlrbs;Gñk. enHKWCaGVIEdlGñkKYrBicarNa enAeBlGñkeRCIserIsKeRmagmYy³
• kRmiténkarFanar:ab;rg³• eRCIserIs Platinum b¤ Gold…RbsinebIGñknwgRtUvkarkarEfTaMeRcIn. KeRmagTaMgenHmanéfø
Fanar:ab;rgRbcaMExx<s; dUecñH eBlGñkRtUvkaresvaevC¢sa®sþ GñkGacbg;R)ak; kan;Ettic.• eRCIserIs Silver b¤ Bronze…RbsinebIGñkmansuxPaBl¥ nigminRtUvkarkarEfTaMeRcInenaHeT.
cMeBaHKeRmagTaMgenHGñkGacbg;éføFanar:ab;rgRbcaMExtic b:uEnþ RtUvbg;R)ak;eRcIneBlGñkRtUvkaresvaevC¢sa®sþ. sRmab;GñkTaMgLayEdlmanKuNsm,tþiKeRmag Enhanced Silver k¾Gacpþl;CUnnUvcMNayecjBIehae):Akan;EtTabpgEdr .
• KeRmagFanar:ab;rgGb,brma k¾manCUnGñkmanGayuticCag 30 qñaM b¤GñkEdlGacbBa¢ak;faBYkeKkMBugCYbkarlM)ak. KeRmagTaMgenHmanéføTijFanar:ab;rgRbcaMExTab nigkarBarBIkrNIesNarIyUGaRkk; .GñkminGaceRbICMnYyhirBaØvtßúedIm,ICYybg;KeRmagFanar:ab;rgGb,brmaeT.
• témørMBwgTuk ³• eBlBicarNaBIKeRmagmYy RtUvR)akdc,ab;faGñkyl;dwgy:ageBjeljGMBIéføTijFanar:ab;rg
témøRtUvbg;RbcaMqñaMmuneBlFanar:ab;rgbg;[témørYmcMENkeBleTAeBTümþg² nigkRmitcMNayecjBIehae):A EdlGñknwgTTYlxusRtUv etIesvakmµGVIxøH Edl)anFanar:ab;rgnigfaetIRKUeBTübc©úb,nñrbs;GñkTTYlyknUvFanar:ab;rgEdrb¤eT .
taragmin)anbBa©ÚlRKb;GRtashFanar:ab;rg nigtémørYmcMENk eBleTAeBTümþgTaMgGs;eT. sRmab;B½t’maneBjeljsUm cUleTA www.CoveredCA.com* sRmab;KeRmag BronzetémøRtUvbg;RbcaMqñaM muneBlFanar:ab;rgbg;[RtUv)anelIkElgsRmab;CMnYbEfTaMbzmcMnYnbIdgdMbUg. CMnYbbEnßmRtUvKitéføRKb;cMnYndl;bg;RKb;témøRtUvbg;RbcaMqñaM muneBlFanar:ab;rgbg;[.** SilverKWCakRmitEtmYyKt; EdltémøRtUvbg;RbcaMqñaM muneBlFanar:ab;rgbg;[rbs;Gñk nigcMNayepSgeTotGacmancMnYnTab Ep¥kelIR)ak;cMNUlkñúgRKYsarrbs;Gñk .
sþg;darplRbeyaCn_énkarFanar:ab;rgtamkRmit
plRbeyaCn_sMxan;²
témøRtUvbg; RbcaMqñaMmuneBl Fanar:ab;rgbg;[
karEfTaMkarBarbgáarRbcaMqñaM minmancMNay minmancMNay minmancMNay minmancMNay
*
*témørYmcMENk eBleTAeBTümþg² sRmab;karEfTaMbnÞan;
témørYmcMENk eBleTAeBTümþg² sRmab;fñaM Generic
cMNayecjBIehae):AGtibrmaRbcaM qñaMsRmab;RKYsar **
témørYmcMENkeBleTACYbBinitü EfTaMsuxPaBbzm
témørYmcMENkeBleTAeBTümþg² sRmab;bnÞb;seRgÁaHbnÞan;
cMNayecjBIehae):AGtibrma RbcaMqñaMsRmab;mnusSmñak;
$2,250**
$45
$90
$250
$6,250
$12,500 $8,000
KµantémøRtUvbg;RbcaMqñaMeT
$20
$40
$150
$4,000
KµantémøRtUvbg;RbcaMqñaMeT
$35
$60
$250
$6,200
$12,400
Bronze Fanar:ab;rg 60%éncMNay®bcaMqñaM
Silver Fanar:ab;rg 70%éncMNay®bcaMqñaM
Gold Fanar:ab;rg 80%éncMNay®bcaMqñaM
Platinum Fanar:ab;rg 90%éncMNay®bcaMqñaM
$6,000
$70
$120
$15 $15 $5
$6,500
$13,000
ebIGñkmanKuNsm,tþiTTYl)an Medi-Cal:Medi-Cal KWCakmµviFIFanar:ab;rg suxPaB saFarN³Edl beRmIBl rdæénrdækalIhV½rj:aEdlmanR)ak; cMNUlTab.
RbsinebIGñkmanKuNsm,tþisUm cUleTA CoveredCA.comb¤kariyal½yesvakmµsgÁmkic©enA kñúgtMbn;rbs;Gñk edIm,Idak;BaküsMu. Gñkk¾GaceFVIkarCamYyGñkRbwkSakar cuHeQµaH b¤Pñak;gar EdlmanTTYl sÁal;eday Covered California edIm,ITTYl)anCMnYycuHeQµaHkñúg Medi-Cal.
sRmab;karBnül;eBjeljGMBIkRmitepSg²énkarFanar:ab;rgnigedIm,IEsVgrkCeRmIsrbs;Gñk sUmcUleTA www.CoveredCA.com.
karENnaMGMBImYyCMhanmþg
Full cost up todeductibleFull cost up to$500 deductible
etImanbNþajGñkpþl;esvaGVIxøHkñúgtMbn;rbs;Gñk? Covered California Gac[GñkeRCIserIs nigTijKeRmag
Fanar:ab;rgÉkCnBIGñkpþl;esvaEfTaMsuxPaBEdlGaceCOTukcitþ)an. xN³EdlRkumh‘unFanar:ab;rgTaMg
Gs;pþl;CUnkRmiténkarFanar:ab;rgdUcKña BYkeKpþl;CUnRbePTKeRmag nig bNþajGñkpþl;esvaEfTaMepSgBIKña
(RKUeBTü nigmnÞIreBTükñúgtMbn;rbs;GñkEdlTTYlyknUvkarFanar:ab;rgrbs;Gñk). RbsinebIGñkcg;bnþCYbRKUeBTü
bc©úb,nñrbs;Gñk sUmEsVgrkfaetIKeRmagmYyNaEdlbBa©ÚlRKUeBTüenaHCasmaCikkñúgbNþajrbs;BYkeK.
etIRbePTKeRmagGVIEdll¥bMputsRmab;RKYsarrbs;Gñk? Rkumh‘unFanar:ab;rgPaKeRcInpþl;CUnKeRmagFanar:ab;rg
bIRbePT GgÁkarEfTaMsuxPaB (HMOs) GgÁkarGñkpþl;esvaEdleBjcitþ (PPOs) nigGgÁkarGñkpþl;esvapþac;mux
(EPOs). RbePTKeRmagTaMgenHkMNt;BIRKUeBTü nigmnÞIreBTüEdlGñkGaceTACYb)an nigBIrebobEdlGñkeRbIR)as;esva
suxPaBmYycMnYn.
• HMOs Fanara:b;rgEtkareTACYbRKUeBTü nigmnÞIreBTükñúgbNþajrbs;KeRmagb:ueNÑaH.
HMOs CaerOy²tRmUv[smaCikTTYl)ansMbuRtbBa¢ÚnBI evC¢bNÐitEfTaMsuxPaBbzm edIm,IeTACYbGñkÉkeTs.
• PPOs bg;éføeTACYbRKUeBTükñúg nigeRkAbNþajrbs;KeRmag b:uEnþsmaCikbg;cMNaykan;Etx<s; sRmab;karEf
TaMsuxPaBenAeRkAbNþaj .
• CaTUeTA EPOs minFanar:ab;rgkarEfTaMeRkAbNþajrbs; KeRmageT b:uEnþsmaCikGacminRtUvsMbuRtbBa¢Ún edIm,IeTA
CYbGñkÉkeTskñúgbNþaj .
mansar³sMxan;RtUvcgcaMfa PPOs HMOs nig EPOs minsuT§EtdUcKñaeT .
RtUvR)akdc,ab;faGñk)anTTYlral;B½t’manlm¥itGMBIKeRmag — dUcCafaetIRKUeBTünigmnÞIreBTüGVIRtUv)an
Fanar:ab;rg nigfaetInwgRtUvcMNayb:unµanedIm,IeTACYb RKUeBTüeRkAbNþaj — muneBlGñkeFVIkareRCIserIs .
CMhanTI 3: RbmUlB½t’manEdlGñkRtUvkar . eBlGñkeRCIserIsKeRmagEdls½kþismcMeBaHGñk vaCaeBlevlaRtUvcab;epþImdMeNIrkarcuHeQµaH.
RtUvR)akdc,as;faGñkRkdasRtwmRtUv nigB½t’manrYcral; enAeBlGñkdak;BaküsMu .
TM
3
* PsþútagcMNUlbc©úb,nñrbs;;smaCikRKYsar
TaMgGs;Edldak;BaküsMu . (R)ak;cMNUl
rbs;GñkkñúgbnÞúkKYrbBa©Úl EtkñúgkrNIkRmit
R)ak;cMNUlrbs;BYkeKtRmUv[BYkeKdak;
lixitRbkas Bn§b:ueNÑaH.) RKYsarRtUv)an
kMNt;niymn½yfaCamnusSEdlRbkas
Bn§CaemRKYsar nigral;GñkkñúgbnÞúkTaMgGs;
Edl)anGHGagkñúglixitRbkasBn§rbs;
buKÁlenaH . RbsinebIGñkminRbkasBn§
eT GñkenAEtGacmanKuN sm,tþiTTYl)an
karFanar:ab;rgeday\tKitéfø b¤témøTab
tamry³ Medi-Cal.
** RKYsarEdlrab;bBa©ÚlTaMgCnGenþa®bevs
n_minRsbc,ab;Gacdak;BaküsMu)an .
GñkGacdak;BaküsMu[kUnrbs;Gñk ebIeTaH
bIGñkminmansiTi§TTYl)ankarFanar:ab;
rgk¾eday.
karTTYl)ankarFanar:ab;rg
minRtwmEtCaCeRmIsl¥bMput
sRmab;suxPaBGñkeT —
KWvaCac,ab; .
GtþsBaØaN - b½NÑebIkbrrdækalIh½Vrj:a GtþsBaØab½NÑ rdækalIh½Vrj:a
lixitqøgEdnGaemrik b¤TRmg;epSgeTogén
b½NÑsmÁal;GtþsBaØaN.
PsþútagénsBaöati b¤vtþman®sbc,ab; - lixitqøgEdn Gaemrik b½NÑsñak;enARsbc,ab;
b¤ÉksarsBa¢atUbnIykmµ
B½t’mansþIBIR)ak;cMNUl* –lixitRbkasBn§ qñaM 2015
snøwkebIkR)ak;fµI² nig/b¤EbbbT W-2
elxsnþisuxsgÁm** (RbsinebICaBlrdæGaemrik)
éf¶ExqñaMkMeNIt elxkUdhSIúbpÞH
sRmab;smaCikRKYsarmñak;²EdlnwgRtUv)anFanar:ab;rgedayKeRmagsuxPaB (rab;bBa©ÚlTaMgrUbGñk) GñkKYrEtman ³
mü:ageTot cMeBaHral;smaCikkñúgRKYsarTaMgGs;Edldak;BaküsMu GñkKYrdwg³
karcuHeQµaHkñúgKeRmagFanar:ab;rgsuxPaBEdlmanKuNPaBkarENnaMGMBImYyCMhanmþg
RtwmExmkra qñaM 2014 mnusSPaK eRcInRtUv)antRmUv[manFanar:ab; rgsuxPaB b¤bg;Bin½yBn§.
kñúgqñaM 2016 karBin½ynwgmancMnYn 2.5 PaKryén®)ak; cMNUlRKYsarRb caMqñaMrbs;Gñk b¤ $695 s®mab; mnusSeBjv½ymñak; (nig $347.50 sRmab;kumarmñak;e®kamGayu 18 qñaM) KWcMnYnmYyNak¾edayEdlCacMnYn x<s;CageK.
sRmab;B½t’manbEnßm b¤edIm,IEsVgrkCMnYykñúgtMbn; eday\tKitéfø nigrkSasm¶at; sUmTak;Tg ³
CMhanTI 5: rkSaTukB½t’mansMxan; .kñúgkrNIGñkmansMNYrGMBIkarFanar:ab;rgrbs;GñkkñúgeBlGnaKt CakarsMxan; RtUvkSaTuknUvkMNt;RtaeQµaH nig elxmYycMnYnBIkñúgBaküsMu nigKeRmagFanar:ab;rgrbs;Gñk. RtUvR)akdc,as;fa Gñkkt;TukB½t’mansMxan;enH³
elxsmÁal;BaküsMurbs;Gñk
elxkrNIrbs;Gñk eQµaH®kumh‘unFanar:ab;rgsuxPaBrbs;Gñk
B½t’manGMBIKeRmagFanar:ab;rgrbs;Gñk (elxKeRmag elxRkum CaedIm .)
eQµaH nigB½t’manTak;Tgrbs;Gñk®bwkSakarcuHeQµaHEdlmankarTTYlsÁal; (CEC) TIPñak;garFanar:ab;rgEdlman karTTYlsÁal; (CEC) b¤GñkcuHeQµaHtamKeRmag (PEB) Edl)anCYyGñkcuHeQµaH
manGñkbkERbCUnGñkehATUrs½BÞ mkEdlEsVgrkCMnYyCaPasaepSgeTot
4
CMhanTI 6: bg;éføTijFanar:ab;rgrbs;Gñk .
erogral;Ex sUmbg;éføTijFanar:ab;rgrbs;Gñk enAmunéf¶kMNt;eTA[Rkumh‘un Fanar:ab;rgsuxPaBEdlGñkeRCIserIs — minEmnbg;eTA[ Covered California eT .
CMhanTI 4: begáItKNnI nigcuHeQµaH .GñkGaccuHeQµaHkñúgKeRmagrbs;GñktamGuIneFIeNtenA www.CoveredCA.com . GVIEdlGñkRtUveFVI KWbegIátKNnIGñkeRbIR)as;mYy nig GnuvtþtamdMeNIrkarcuHeQµaH edayeRbIR)as;B½t’manEdlGñk)an RbmUlkñúgCMhanTI 3 .
RbsinebIGñkRtUvkarCMnYykñúgkarcuHeQµaH Covered California pþl;CMnYy\tKitéfø nigrkSakarsm¶at;enAEk,rGñk.
edIm,IEsVgrkCMnYykñúgtMbn; sUmcUleTA www.CoveredCA.com/enrollment-assistance nigvaybBa©ÚlelxkUdhSIúbrbs;Gñk . GñkGacTUrs½BÞmkBYkeyIgtamelx (800) 300-1506.
etImansMNYrbEnßmb¤?sUmemIlvIedGU “Welcome
to Answers” enA
CoveredCA.com/FAQs
(smÁal;³ “Welcome to Answers” KWCaesrIvIedGUCUnB½t’man
EdlmanCaPasaGg;eKøsEtb:ueNÑaH)
RbFanbTrab;bBa©Úl³• etI Covered California KWCaGVI?• etIxJúMcuHeQµaHtamrbobNa?• etI Covered California
GacCYyGñkmanGayueRkam 30 qñaM)anedayrbobNa?
• etI Covered California eFVI[Fanar:ab;rgmantémøsmrmü tamrbobNa?
• etI Affordable Care Act pøas;bþÚrFanar:ab;rgsuxPaBtam rbobNa?
CoveredCA.com | (800) 300-1506
TM
karcuHeQµaHkñúgKeRmagFanar:ab;rgsuxPaBEdlmanKuNPaBkarENnaMGMBImYyCMhanmþg