kev kho mob

English kujTsis English

Mus ntsib kws kho mob los yog tsev kho mob yuav raug nqi ntau heev ntawm nyiaj nyob rau hauv lub teb chaws USA. Qhov no yog vim li cas nws yog ib qho tseem ceeb kom muaj ntawv kho mob. Kawm kom paub txog qhov sib txawv hom ntawm kho mob thiab yuav ua li cas koj yuav tau txais ntawv kho mob.

Going to the doctor or hospital can cost a lot of money in the USA. This is why it is important to have health insurance. Learn about the different kinds of health insurance and how you can get health insurance.

Kev kho mob rau cov neeg tawg rog

Health insurance for refugees

Yuav ua li cas yog kev kho mob tuav pov hwm?

What is health insurance?

kev kho mob, los yog kev kho mob tuav pov hwm, yog ib qho nyiaj ntawm cov nyiaj uas koj them txhua lub hlis mus rau ib qho kev tuav pov hwm cov tuam txhab. Cov nqi them txhua hli ntawm lub kev tuav pov hwm no yog hu ua tus nqi.

Health insurance, or medical insurance, is an amount of money you pay every month to an insurance company. The monthly cost of the insurance is called the premium.

Healthcare rau cov neeg tsiv teb tsis yog sib txawv heev los ntawm tus kws kho rau cov haiv neeg yug Americans, tab sis tej zaum nws yuav ua tau ruam tag. Qhov yooj yim txoj kev uas yuav piav txog nws yog tias thaum twg koj muaj cov nqi kho mob, lub tuav pov hwm cov tuam txhab yuav pab them nyiaj rau lawv. Ib tug kev kho mob thaum muaj xwm ceev los yog kev phais yuav raug nqi ntau txhiab dollars. Nws yog zoo dua them tus nqi txhua lub hlis tshaj mam li nco dheev tau ib tug lossis loj nqi los ntawm ib tug lub tsev kho mob. Nyob rau hauv kev, tus kws kho rau cov neeg tsiv teb thiab cov neeg tawg rog yog tib yam li rau cov haiv neeg yug Americans. Lub sib txawv nyob rau hauv cov ntawv kho mob yog raws li nyob rau hauv lub hnub nyoog, ua hauj lwm, muaj mob koj tam sim no muaj, thiab ntau npaum li cas cov nyiaj uas koj ua.

Healthcare for immigrants is not very different from healthcare for native-born Americans, but sometimes it can be confusing. The simplest way to explain it is that when you have medical expenses, the insurance company helps pay them. A medical emergency or surgery can cost many thousands of dollars. It is better to pay the premium every month than suddenly get a huge bill from a hospital. In general, healthcare for immigrants and refugees is the same as for native-born Americans. The differences in health insurance are based on age, employment, any health problems you currently have, and how much money you make.

Yuav ua li cas kuv tau kev tuav pov hwm?

How do I get health insurance?

Nyob rau hauv lub tebchaws United States, koj ua tau:

In the United States, you can:

  • tau txais kev pab los ntawm tsoom fwv (pej xeem noj qab haus huv) kev tuav pov hwm cov kev pab cuam, los yog
  • tau kev tuav pov hwm los ntawm koj txoj hauj lwm nrog rau kev pab los ntawm koj chaw ua hauj lwm, los yog
  • yuav noj qab haus huv kev tuav pov hwm koj tus kheej.
  • get covered through government (public health) insurance programs, or
  • get insurance through your job with help from your employer, or
  • buy health insurance yourself.

Yog them yog tib yam li nyob pov hwm. Nkawd ob leeg txhais hais tias koj muaj kev tiv thaiv los ntawm muaj them nqi kho mob loj.

Being covered is the same as being insured. They both mean you are protected from having to pay large medical bills.

Tsoom fwv pab ntawv kho mob

Government health insurance programs

Yog koj tsim nyog tau txais?

Are you eligible?

Yog tsim nyog tau txais rau ib yam dab tsi txhais tau tias koj yuav tau txais ib yam dab tsi los yog tau txais ib yam dab tsi. Tus tsoom fwv yuav txiav txim seb koj thiab koj tsev neeg tsim nyog tau txais rau tsoom fwv cov kev pab cuam. Yuav kom txiav txim siab yog tias koj tsim nyog tau txais, lawv saib yuav ua li cas npaum li cas cov nyiaj uas koj ua, yuav ua li cas muaj ntau yam cov me nyuam koj muaj, thiab yuav ua li cas laus koj yog. Healthcare rau cov neeg tsiv teb thiab cov neeg tawg rog yuav tsum pheej yig los yog dawb, txij li thaum tej zaum koj yuav tsis tau ua tau nyiaj ntau npaum thaum xub thawj.

Being eligible for something means can you get something or qualify for something. The government will decide if your and your family are eligible for government programs. To decide if you are eligible, they look at how much money you make, how many children you have, and how old you are. Healthcare for immigrants and refugees may be cheap or free, since you may not be making much money at first.

Medicaid

Medicaid

Medicaid yog ib tug pej xeem noj qab haus huv kev tuav pov hwm kev pab cuam uas khiav los ntawm lub xeev koj nyob rau hauv. Qhov kev pab cuam muab kev pab rau cov tib neeg thiab cov tsev neeg uas yog tau nyiaj tsawg los yog muaj mob xiam oob qhab. Ib txhia neeg tawg rog cov tsev neeg yuav tau txais Medicaid thaum lawv nyuam qhuav tuaj txog nyob rau hauv lub tebchaws United States. Kev Cai rau kev tsim nyog sib txawv los ntawm lub xeev.

Medicaid is a public health insurance program run by the state you live in. The program provides help to individuals and families that are low-income or have disabilities. Some refugee families will get Medicaid when they first arrive in the United States. Criteria for eligibility vary by state.

Medicare

Medicare

Medicare yog ib tug pej xeem noj qab haus huv kev tuav pov hwm kev pab cuam uas khiav los ntawm lub US tsoom fwv. Medicare yog muaj nyob rau tag nrho cov neeg laus uas muaj hnub nyoog 65 thiab cov laus thiab neeg xiam oob qhab cov pej xeem ntawm tag nrho cov muaj hnub nyoog. Medicare muaj ib lub hom phiaj los pab nrog rau cov nqi ntawm cov tshuaj. Xav paub ntau ntxiv txog Medicare.

Medicare is a public health insurance program run by the US government. Medicare is available to all adults age 65 and older and to disabled citizens of all ages. Medicare offers a plan to assist with the costs of prescription drugs. Learn more about Medicare.

CHIP

CHIP

Cov me nyuam Health Insurance Program (CHIP) them rau cov kev kho mob rau cov uas tsis- mus rau theem nrab tsev neeg tau nyiaj nrog cov me nyuam yaus. CHIP yog ib tug zoo kev pab cuam vim nws them cov nqi rau koj cov me nyuam tus kws kho mob li tau teem tseg thiab kev kho mob. Nws yog ib qho tseem ceeb rau neeg tawg rog cov tsev neeg mus coj lawv cov me nyuam mus rau kws kho mob txhua xyoo daim tshev-ups thiab rau cov tshuaj txhaj. Nrhiav rau koj lub xeev tus CHIP qhov kev pab cuam.

The Children’s Health Insurance Program (CHIP) pays for healthcare for low- to middle-income families with young children. CHIP is a good program because it pays for your children’s doctor appointments and medical care. It is important for refugee families to take their children to the doctor for yearly check-ups and for immunizations. Search for your state’s CHIP program.

WIC

WIC

Cov poj niam, Cov me nyuam mos, thiab cov me nyuam (WIC) yog ib lub xeev-los-xeev tswj kho mob kev pab cuam uas lawv yuav pab cov me nyuam yau tshaj tsib xyoo ntawm lub hnub nyoog, cev xeeb tub cov poj niam, thiab pub niam mis rau leej niam. Qhov kev pab cuam tsom rua kev noj haus, cov zaub mov, thiab kev txhim kho kev nkag mus rau tus kws kho thiab kev sib raug zoo cov kev pab cuam noj qab haus huv.

Women, Infants, and Children (WIC) is a state-by-state managed healthcare program that specifically helps children younger than five years of age, pregnant women, and breastfeeding mothers. The program focuses on nutrition, food supply, and improving access to healthcare and social welfare services.

Yog hais tias koj yog cov tau nyiaj tsawg thiab muaj ib tug me nyuam, qhov no yog ib tug zoo kev pab cuam. Xav paub ntau ntxiv txog WIC thiab nrhiav rau koj lub xeev tus WIC qhov kev pab cuam.

If you are low-income and have a baby, this is a good program. Learn more about WIC and search for your state’s WIC program.

Private ntawv kho mob

Private health insurance

Muaj ntau Americans muaj private health insurance thiab tsis txhob siv pej xeem noj qab haus huv kev tuav pov hwm cov kev pab cuam. Qhov no yog vim hais tias tuam txhab uas muag ntau zaug them rau cov private health insurance rau lawv cov neeg ua hauj lwm.

Many Americans have private health insurance and do not use public health insurance programs. This is because companies often pay for private health insurance for their workers.

Chaw Ua Hauj Lwm kho mob

Workplace health insurance

Thaum koj saib rau ib txoj hauj lwm, koj yuav tsum tau sim mus nrhiav ib txoj hauj lwm uas muaj ntawv kho mob. Qhov no yuav pab tau koj tsev neeg. Lub chaw ua hauj lwm them feem ntau ntawm cov nqi thiab cov neeg ua hauj lwm them ib tug me me npaum li cas. Rau ib tug ntxiv nqi, neeg ua hauj lwm muaj peev xwm feem ntau xaiv lawv tus txiv los yog tus poj niam thiab cov me nyuam lawv muaj nyob rau hauv tib lub kev tuav pov hwm txoj kev npaj.

When you look for a job, you should try to find a job that offers health insurance. This will help your family. The employer pays most of the cost and the employee pays a small amount. For an extra amount, employees can usually choose to include their husband or wife and any children they have on the same insurance plan.

Yog hais tias koj tawm koj txoj hauj lwm, tej zaum koj yuav tsum tau tso cai kom koj daim ntawv kho mob kev pab them nqi rau ib tug thaum, los ntawm ib tug tsoom fwv txoj kev npaj hu ua COBRA. COBRA yog tsuas yog rau ib luv luv lub sij hawm, thiab tej zaum koj yuav tau them tag nrho cov nqi rau koj tus kheej, tab sis nws yuav cia koj tau kev pab ntawm hauj lwm..

If you leave your job, you may be allowed to keep your insurance coverage for a while, through a government plan called COBRA. COBRA is only for a short period, and you may have to pay the whole premium yourself, but it will keep you covered between jobs..

Them rau kev tuav pov hwm tsis muaj ib tug ua hauj lwm

Paying for insurance without an employer

Yog hais tias koj tsis muaj ib tug ua hauj lwm muab kev kho mob kev pab them nqi, thiab yog hais tias koj tsis tsim nyog rau ib tug tsoom fwv kev pab cuam, koj yuav tau mus yuav lwm tus kho mob. Qhov no yuav kim. Tej zaum koj yuav tsim nyog tau txais kev pab nrog koj them txhua hli los ntawm cov Affordable Care Act.

If you do not have an employer offering health coverage, and if you are not eligible for a government program, you will have to buy private health insurance. This can be expensive. You may be eligible for help with your premiums through the Affordable Care Act.

Lub Affordable Care Act

The Affordable Care Act

Lub Affordable Care Act (ACA), kuj hu ua “ObamaCare,” yuav tsum tau feem ntau US pej xeem thiab kev cai lij choj cov neeg muaj ntawv kho mob. Tab sis nws kuj tso cai rau koj mus yuav ntawv kho mob rau ib tug txo nqi uas muaj kev pab los ntawm tsoom fwv. Saib yog koj ua tau tau kev pab them nqi nyob rau hauv lub Affordable Care Act.

The Affordable Care Act (ACA), also called “ObamaCare,” requires most US citizens and legal residents to have health insurance. But it also allows you to buy health insurance for a lower cost with help from the government. See if you can get coverage under the Affordable Care Act.

College kho mob tuav pov hwm pab them nqi

College medical insurance plans

Cov menyuam kawm ntawv yog feem ntau muaj peev xwm mus yuav tus kws kho kev tuav pov hwm los ntawm lawv cov kawm ntawv qib siab. Yuav kom tsim nyog koj yuav tsum kawm nyob rau hauv ib tug tej yam muaj pes tsawg tus ntawm cov qhab nia.

Students are often able to purchase healthcare insurance through their colleges. To be eligible you must be enrolled in a certain number of credits.

Xav paub ntau ntxiv

Learn more

Nrhiav kev pab nyob ze ntawm koj

Siv FindHello mus nrhiav cov kev pab thiab cov kev pab nyob rau hauv koj lub zos.

Pib koj nrhiav
Puas nplooj ntawv no pab tau koj? Nyuj nyav ntsej muag Yog frown lub ntsej muag Tsis
Ua tsaug rau koj cov tswv yim!