Going to dhakhtarkaaga ama isbitaalka lacag badan ku kici kara ee USA. Tani waa sababta ay muhiim ah in ay kaar caafimaad. Baro oo ku saabsan noocyada kala duwan ee caymiska caafimaadka iyo sida aad u heli kartid caymiska caafimaadka.
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.
Waa maxay caymiska caafimaadka?
What is health insurance?
caymiska caafimaadka, ama ceymiska caafimaadka, waa qadar lacag ah ee aad bixiso bil kasta si ay shirkadda caymiska. Qiimaha billaha ah ee caymiska waxaa loo yaqaan lacagta.
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.
Daryeelka Caafimaadka ee dadka ajnabiga ah ma aha mid aad uga duwan caafimaadka dhashay Maraykanka, laakiin mararka qaarkood waxay noqon kartaa wareer. Habka ugu fudud si ay u sharaxdo waa in marka aad leedahay kharashka caafimaadka, shirkadda caymiska ka caawisaa u oofin. daawo degdeg ah ama qaliin ku kici kara kumanyaalka kun ee doolar. Waxaa fiican in aad bixiso lacagta bil kasta ka badan si lama filaan ah biil aad u wayn oo ka isbitaalka ka heli. Guud, daryeelka caafimaadka ee muhaajiriinta iyo qaxootiga waa la mid tahay sida dhashay Maraykanka. The kala duwan ee caymiska caafimaadka waxay ku salaysan yihiin da'da, shaqada, wax dhibaato caafimaad ee aad hadda leedahay, iyo inta lacag ee aad ka dhigi.
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.
Sidee baan u heli caymiska caafimaadka?
How do I get health insurance?
In Maraykanka, Waad awoodaa:
In the United States, you can:
- is daboolay iyada oo dawladda (caafimaadka dadweynaha) barnaamijyada caymiska, ama
- aad u hesho caymiska aad shaqo iyada oo gacan laga cidda aad u shaqayso, ama
- iibsadaan caymiska caafimaadka naftaada.
- get covered through government (public health) insurance programs, or
- get insurance through your job with help from your employer, or
- buy health insurance yourself.
Ahaanshaha daboolay waa isku mid sida isagoo caymis. Waxay labada macnaheedu aad ilaaliyo inay bixiso biilasha caafimaadka waaweyn.
Being covered is the same as being insured. They both mean you are protected from having to pay large medical bills.
barnaamijka caymiska caafimaadka ee dowladda
Government health insurance programs
aad xaq u leedahay?
Are you eligible?
Ahaanshaha xaq u wax ka dhigan tahay waxaad ka heli kartaa wax ama u qalanto wax. Dowladda ayaa go'aan ka gaari doona haddii aad adiga iyo qoyskaaga ay xaq u leeyihiin barnaamijyada dowladda. Si aad u go'aansato haddii aad xaq u leedahay, waxay eegaan inta lacag ee aad ka dhigi, tirada carruurta aad leedahay, iyo inta ay da'daadu tahay. Daryeelka Caafimaadka ee soo galootiga iyo qaxootiga waxaa laga yaabaa in qiimo jaban ama bilaash ah, tan iyo markii laga yaabaa in aanad samaynta lacag badan marka hore.
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 waa barnaamij caymiska ee caafimaadka dadweynaha ay maamusho gobolka aad ku nooshahay. Barnaamijku wuxuu siiyaa caawimaad si shaqsiyaadka iyo qoysaska in ay yihiin dakhligoodu hooseeyo ama curyaan ah. Qaar ka mid ah qoysaska qaxootiga heli doonaa Medicaid marka u horaysa ee yimaadaan ee dalka Mareykanka. Shuruudaha xaq u yeelashada kala duwan ee gobolka.
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.
Haddii aad tahay dakhligoodu hooseeyo iyo ilmo, tani waa barnaamij wanaagsan. Baro wax badan oo ku saabsan WIC oo raadi gobolka ee barnaamijka WIC.
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.
caymiska caafimaadka gaarka ah
Private health insurance
Dad badan oo Maraykan leeyihiin caymiska caafimaadka gaarka ah iyo ha isticmaalin barnaamijyada caymiska caafimaadka dadweynaha. Tani waa sababta oo shirkadaha inta badan lagu bixiyo caymiska caafimaadka gaarka ah ee shaqaalaha ay.
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.
caymiska caafimaadka goobta shaqada
Workplace health insurance
Marka aad eegto shaqo, waa in aad isku daydo in shaqo bixiya caymiska caafimaadka ka heli. Tani waxay kaa caawin doontaa in aad qoyska. Loo shaqeeyaha ayaa bixinaya inta badan kharashka iyo qofka shaqaalaha ah waxay bixisaa qadar yar. Waayo lacag dheeraad ah, shaqaalaha caadiga ah waxay dooran karaan in ay ninkaaga ama xaaskaaga iyo carruur kasta oo ay leeyihiin qorshe la mid ah waxaa ka mid ah caymiska.
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.
Haddii aad shaqo ka tago, waxaa laguu oggolaan karaa in aad haysato caymiska aad in muddo ah, iyada oo COBRA ah qorshaha dawladda u yeedhay. COBRA tahay oo keliya muddo gaaban, oo laga yaabaa in aad iska bixisaa lacagta oo dhan, laakiin wuu hayn doonaa kugu daboolay dhexeeya shaqo..
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..
Bixinta caymiska oo aan loo-shaqeeye
Paying for insurance without an employer
Haddii aadan haysan shaqo-bixiya caymiska caafimaadka, iyo haddii aadan u qalmin barnaamijka dawladda, waxaad yeelan doontaa in ay soo iibsato caymiska caafimaadka gaarka ah. Tani waxay noqon kartaa qaali. Waxaa laga yaabaa inaad xaq u leedahay caawimo lacagta aad dhex Act Affordable Care.
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.
Act Affordable Care
The Affordable Care Act
Act Affordable Care (ACA), sidoo kale loo yaqaan “ObamaCare,” wuxuu u baahan yahay ugu muwaadiniinta Mareykanka iyo dadka sharci u leedahay caymiska caafimaadka. Laakiin waxaa kale oo kuu ogolaanaya in aad iibsato caymiska caafimaadka kharashka hoose iyadoo la kaashanayo dowladda. Eeg haddii aad awoodid aad u hesho caymiska hoos Act Affordable Care.
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.
qorsheyaasha caymiska caafimaadka College
College medical insurance plans
Ardayda inta badan ay awoodaan in ay iibsadaan caymiska daryeelka caafimaadka iyada oo kulliyadaha ay. Si aad xaq ugu yeelato waa inaad la qoro in tiro cayiman oo credits.
Students are often able to purchase healthcare insurance through their colleges. To be eligible you must be enrolled in a certain number of credits.
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