Bima ya Afya kwa Ajili ya Wakimbizi Nchini Marekani

Kiingereza piaKiingereza hakuna

Kuenda kwa daktari au hospitali kunaweza kugharimu pesa nyingi huko USA. Hii ndio sababu ni muhimu kuwa na bima ya afya. Jifunze juu ya aina tofauti za bima ya afya na jinsi unaweza kupata bima ya afya.

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.

Bima ya Afya kwa Ajili

Health insurance for refugees

Bima ya afya ni nini?

What is health insurance?

Bima ya afya, au bima ya matibabu, ni kiasi cha pesa unacholipa kila mwezi kwa kampuni ya bima. Gharama ya kila mwezi ya bima inaitwa premium.

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.

Huduma ya afya kwa wahamiaji sio tofauti sana na huduma ya kiafya kwa wazaliwa wa asili wa Amerika, lakini wakati mwingine inaweza kuwa ya utata. Njia rahisi zaidi ya kuelezea ni kwamba wakati una gharama za matibabu, kampuni ya bima husaidia kuwalipa. Dharura ya matibabu au upasuaji unaweza kugharimu maelfu ya dola. Ni bora kulipa malipo kila mwezi kuliko kupata mswada mkubwa kutoka kwa hospitali. Kwa jumla, utunzaji wa afya kwa wahamiaji na wakimbizi ni sawa na kwa Wazaliwa wa asili. Tofauti za bima ya afya ni msingi wa uzee, ajira, shida zozote za kiafya uliyonazo sasa, na pesa nyingi unazalisha.

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.

Je! Ninapataje bima ya afya?

How do I get health insurance?

Huko Merika, unaweza:

In the United States, you can:

  • kufunikwa kupitia mipango ya bima ya serikali (ya umma), au
  • pata bima kupitia kazi yako na usaidizi kutoka kwa mwajiri wako, au
  • nunua bima ya afya mwenyewe.
  • get covered through government (public health) insurance programs, or
  • get insurance through your job with help from your employer, or
  • buy health insurance yourself.

Kufunikwa ni sawa na kuwa na bima. Zote zinamaanisha kuwa umelindwa kutokana na kulipa bili kubwa za matibabu.

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

Programu za bima ya afya ya serikali

Government health insurance programs

Je! Unastahiki?

Are you eligible?

Kuwa na sifa ya kitu fulani unaweza kupata kitu au kuhitimu kitu. Serikali itaamua ikiwa familia yako na familia yako wanastahili mipango ya serikali. Kuamua ikiwa unastahiki, wanaangalia ni pesa ngapi, una watoto wangapi, na una umri gani. Huduma ya afya kwa wahamiaji na wakimbizi inaweza kuwa nafuu au bure, kwani labda hautafanya pesa nyingi mwanzoni.

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.

Matibabu

Medicaid

Medicaid ni programu ya bima ya afya kwa umma inayosimamiwa na serikali ya jimbo unaloishi. Programu hii inawapatia watu binafsi pamoja na familia ambao hawana pesa za kutosha au ni vilema. Familia nyingine za wakimbizi watapata Medicaid pindi tu wanapofika nchini Marekani. Kigezo kwa kustahiki kinatofautiana jimbo kwa jimbo. Umri hauna maana. Medicaid hugharamiwa na Serikali kuu ya taifa pamoja na ya kila jimbo.

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 ni mpango wa bima ya afya ya umma unaoendeshwa na serikali ya Amerika. Medicare inapatikana kwa watu wazima wote wenye umri wa miaka 65 na zaidi na kwa raia walemavu wa kila kizazi. Medicare inatoa mpango wa kusaidia na gharama ya dawa za kuagiza. Jifunze zaidi kuhusu 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

Programu ya Bima ya Afya ya watoto (KIBANZI) inalipa huduma ya afya kwa familia zenye kipato cha chini na cha kati zilizo na watoto wadogo. CHIP ni mpango mzuri kwa sababu hulipa miadi ya daktari wa watoto wako na huduma ya matibabu. Ni muhimu kwa familia za wakimbizi kupeleka watoto wao kwa daktari kwa uchunguzi wa kila mwaka na chanjo. Tafuta mpango wa CHIP wa jimbo lako.

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

Wanawake, watoto wachanga, na watoto (WIC) ni mpango wa huduma za afya unaosimamiwa na serikali unaosaidia watoto walio chini ya miaka mitano, wanawake wajawazito, na mama wanaonyonyesha. Programu hiyo inazingatia lishe, usambazaji wa chakula, na kuboresha upatikanaji wa huduma za afya na ustawi wa jamii.

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.

Ikiwa wewe ni kipato cha chini na una mtoto, hii ni programu nzuri. Jifunze zaidi juu ya WIC na utafute mpango wa WIC wa serikali yako.

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.

Bima ya afya ya kibinafsi

Private health insurance

Waamerika wengi wana bima ya afya ya kibinafsi na hawatumii mipango ya bima ya afya ya umma. Hii ni kwa sababu makampuni mara nyingi hulipa bima ya afya ya kibinafsi kwa wafanyikazi wao.

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.

Bima ya afya mahali pa kazi

Workplace health insurance

Unapotafuta kazi, unapaswa kujaribu kupata kazi ambayo hutoa bima ya afya. Hii itasaidia familia yako. Mwajiri analipa zaidi ya gharama na mfanyakazi analipa kiasi kidogo. Kwa kiasi cha ziada, wafanyikazi wanaweza kuchagua kumjumuisha mume au mke na watoto wowote walio nao kwenye mpango huo wa bima.

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.

Ukiacha kazi yako, unaweza kuruhusiwa kuweka bima yako ya bima kwa muda mfupi, kupitia mpango wa serikali unaoitwa COBRA. COBRA ni kwa kipindi kifupi tu, na labda utalazimika kulipa malipo yako yote, lakini itakufanya uweze kufunikwa kati ya kazi ..

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..

Kulipa bima bila mwajiri

Paying for insurance without an employer

Ikiwa hauna mwajiri anayetoa chanjo ya afya, na ikiwa haistahiki mpango wa serikali, italazimika kununua bima ya afya ya kibinafsi. Hii inaweza kuwa ghali. Unaweza kuhitimu kusaidiwa na malipo yako kupitia Sheria ya Huduma ya Bei Nafuu.

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.

Sheria ya Utunzaji wa bei nafuu

The Affordable Care Act

Sheria ya Utunzaji wa bei nafuu (ACA), ambayo pia huitwa “ObamaCare,” inahitaji raia wengi wa Merika na wakaazi wa kisheria kuwa na bima ya afya. Lakini pia hukuruhusu kununua bima ya afya kwa gharama ya chini kwa msaada kutoka kwa serikali. Angalia ikiwa unaweza kupata chanjo chini ya Sheria ya Huduma ya Bei Nafuu.

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.

Mipango ya bima ya matibabu ya chuo

College medical insurance plans

Wanafunzi mara nyingi wana uwezo wa kununua bima ya huduma ya afya kupitia vyuo vyao. Ili kustahiki lazima uwe umeandikishwa kwa idadi fulani ya mikopo.

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

Jifunze zaidi

Learn more

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