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URL: https://ht-uhc.onelink-translations.com//individuals-families
Submission: On November 03 via manual from US — Scanned from DE

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Text Content

This page is in scope
Ale nan kontni prensipal la
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 * Individual & family
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Konekte


Individual & family


Rechèch

Meni

 * Individual & family

 * Health insurance
 * Dental, vision & more
 * Member resources




PLAN ASIRANS SANTE ENDIVIDYÈL AK FAMILYAL YO

With individual and family plans from UnitedHealthcare, you'll find health
insurance coverage with benefits designed with your unique needs in mind.


EXPLORE UNITEDHEALTHCARE SHORT TERM PLANS

Plan dire kout yo se yon fason pou jwenn kouvèti rapid, fleksib si w pa gen
kouvèti tanporèman epi w vle asire ou gen avantaj ou bezwen yo.1

Kòd postal
Chèche achte plan dire kout

Èske w gen kesyon? Rele 1-844-635-2495, TTY 711

Plan Endividyèl ak Familyal Mache Asirans Sante ACA UnitedHealthcare yo

With UnitedHealthcare, you’ll find ACA plans that put you first — with benefits
that fit your needs, like primary care, virtual care and more.

Plan dire kout yo

Short term plans are a way to get fast, flexible coverage if you temporarily
don’t have coverage and want to assure you have benefits you need.1

Plan dire kout yo garanti medikalman. Kouvèti sa a pa oblije respekte sèten
kondisyon mache federal la pou zafè asirans sante, sitou sa yo ki nan Lwa sou
Swen Abòdab la. Asire ke w tcheke kontra asirans ou/sètifika w ak anpil atansyon
pou asire ou konnen tout esklizyon oswa limit konsènan kouvèti maladi ki deja
egziste deja oswa avantaj sante yo (tankou ospitalizasyon, sèvis dijans, swen
matènite, swen prevantif, medikaman sou preskripsyon, epi sèvis pou twoub sante
mantal ak itilizasyon sibstans). Kontra asirans ou/sètifika w ka genyen tou
limit dola pou tout lavi ak/oswa limit dola anyèl sou avantaj sante yo. Si
kouvèti sa a ekspire oswa w pèdi kalifikasyon pou kouvèti sa a, ou ka oblije
rete tann jouk yon peryòd enskripsyon ouvè pou w jwenn lòt kouvèti asirans
sante. Se pa kouvèti Minimòm Esansyèl la jan li defini nan Lwa sou Swen Abòdab
la epi li ka pa kouvri tout Avantaj Sante Esansyèl nan Eta w la. Kèk plan dire
kout disponib kòm asirans kolektif asosyasyon sèlman pou manm FACT, yon
asosyasyon endepandan. Lòt frè manm ka egzijib. Konsepsyon ak disponiblite
pwodui yo varye selon Eta a. Dire tèm yo varye selon Eta a.

close
Plan pou travayè endepandan

Jwenn opsyon kouvèti si w se yon travayè endepandan epi ou pa gen anplwaye.

Plan pou elèv

Jwenn kouvèti ki fèt pou elèv yo pandan yo lekòl.

Plan anpasan pa travay

Aprann avantaj plan UnitedHealthcare patwon yo ofri.

Manm aktyèl yo

Konekte, jwenn resous pou manm ak plis ankò.


KONPLETE KOUVÈTI W AVÈK PLAN SIPLEMANTÈ YO

Plan siplemantè yo ka ede w jwenn kouvèti pou swen ak sèvis plan medikal ou a pa
kouvri.

Plan dantè yo

Kouvèti pou depistaj dantè, swen prevantif ak plis ankò.

Plan vizyon yo

Kouvèti pou swen vizyon, ansanm ak egzamen woutin nan zye, depistaj vizyon, vè
preskripsyon ak vè kontak.

Tout plan siplemantè yo

Kouvèti pou ajoute nan plan asirans sante, ansanm ak plan avantaj lajan kach,
tankou kouvèti aksidan oswa maladi grav.


JWENN ÈD POU JWENN YON PLAN

Reponn kèk kesyon pou w wè ki opsyon ki gendwa disponib pou ou.

Jwenn plan mwen an


KI DIFERANS KI GENYEN ANT PLAN DIRE KOUT AK PLAN ACA YO?

Si w ap panse ak yon plan dire kout oswa yon plan ACA, men yon apèsi rapid sou
fason de kalite plan sa yo fonksyone.

Diferans ant plan dire kout ak plan ACA Plan asirans sante dire kout Plan Mache
Asirans Sante ACA Eleman debaz plan Plan dire kout yo ka ede w jwenn avantaj ou
bezwen yo nan peryòd kote ou ka gen yon twou vid nan kouvèti asirans — pa egzanp
lè w ant de djòb oswa lè w ap tann lòt kouvèti kòmanse. Plan ACA yo vann sou
Mache asirans swen sante a (yo rele tou Exchange). Selon revni w, ou gendwa
kalifye pou sibvansyon gouvènman an pou ede bese pri yon plan ACA. Tip ak dire
kouvèti asirans lan Plan dire kout yo ofri kouvèti limite pandan yon tan limite.
Plan ACA yo ofri kouvèti konplè pandan yon ane kalandriye konplè toutotan ou
peye prim ou. Panse ak yon plan dire kout si ou: Panse ak yon plan ACA si ou:
 * Te rate enskripsyon ouvè epi ou pa kalifye pou yon Peryòd Enskripsyon
   Espesyal (Special Enrollment Period, SEP)
 * Gen yon twou vid jiskaske plan ACA w lan kòmanse
 * Vle kouvèti jiskaske ou antre nan Medicare
 * Vin gen 26 lane epi w ap soti nan plan yon paran
 * Ant de travay oswa w ap tann pou avantaj yo kòmanse
 * An sante epi w gen mwens pase 65 lane

 * Pa ka jwenn asirans sante anpasan pa travay
 * Bezwen kouvèti dire long pou oumenm ak fanmi w
 * Vle avantaj konplè
 * Kalifye pou yon kredi taks sou prim

Aprann plis sou plan dire kout yo parapò ak plan ACA yo


JWENN PLAN ASIRANS ENDIVIDYÈL AK FAMILYAL NAN ETA W LA

Ou gen opsyon pou asirans avèk UnitedHealthcare. Eksplore plan asirans ki
disponib nan Eta w la epi jwenn devi rapid, gratis sou kouvèti kounye a menm.

Select your state



Okenn plan pa disponib kounye a nan New York. Rezidan yo dwe rele nan
1-800-980-5213 pou jwenn plis enfòmasyon.


KESYON YO POZE SOUVAN SOU PLAN ENDIVIDYÈL AK FAMILYAL YO


KÒMAN POU M JWENN ASIRANS SANTE ENDIVIDYÈL?

Nan nenpòt etap nan lavi a, li enpòtan pou jwenn bon plan asirans sante a pou ou
— ak pou fanmi w. Si w ap chèche pou plan endividyèl ak familyal epi ou gen
mwens pase 65 lane, gen anpil opsyon pou w konsidere, selon sitiyasyon w.

Pou pifò plan asirans sante yo, ou kapab chwazi yon plan oswa fè chanjman nan
yon plan ou deja genyen pandan enskripsyon ouvè. Se moman ki pi kouran pou jwenn
yon plan asirans sante. Sepandan, ou ka jwenn sèten plan tankou asirans dire
kout oswa Medicaid nenpòt ki lè pandan ane a.

Lè w fin chwazi plan ou vle a, ou kapab enskri. Detay yo sou fason pou enskri a
pral depann de tip plan an. Anjeneral ou pral bay enfòmasyon sou tèt ou, ak lòt
manm fanmi ki kouvri nan plan w lan. Ou pral repase tou pri ak avantaj ou te
chwazi yo.

Gade plis sou fason pou jwenn asirans sante


KILÈ MWEN KAPAB ENSKRI?

Moman kote w ka enskri nan yon plan depann de kalite plan ou chwazi a.

Pou anpil plan, gen yon peryòd enskripsyon ouvè. Se yon peryòd tan ki rive yon
fwa pa ane — anjeneral ann otòn — kote ou kapab enskri pou asirans sante, ajiste
plan ou gen nan moman an oswa anile plan w lan. Li anjeneral limite ak kèk
semèn.

Ou ka enskri nan sèten plan nenpòt lè – tankou plan dire kout, plan dantè oswa
plan vizyon.

Men dat enskripsyon ouvè pou w konnen pou sèten plan endividyèl ak familyal
kouran.

 * Plan Endividyèl ak Familyal Mache Asirans Sante ACA yo: 1 Novanm jiska 15
   Janvye, nan pifò Eta yo
 * Plan dire kout yo: Aplike nenpòt lè
 * Plan siplemantè, tankou dantè/vizyon: Aplike nenpòt lè
 * Asirans sante anpasan pa travay: Peryòd enskripsyon an se patwon w ki fikse l
   (anjeneral ann Otòn)


KISA DIFERAN TIP ASIRANS SANTE YO YE?

Gen anpil tip plan asirans sante — epi yo chak fèt pou adapte ak bezwen diferan.
Sèten tip asirans sante yo gen nan yo:

 * Plan Gouvènman an
   * Plan Lwa sou Swen Abòdab (Affordable Care Act, ACA) — ki ka rele tou plan
     Marketplace, Exchange oswa Obamacare
   * Plan Medicare yo — pou moun ki gen plis pase 65 lane oswa moun ki gen mwens
     pase 65 lane ki gendwa kalifye akòz yon andikap oswa yon pwoblèm espesyal
   * Plan Medicaid yo — Plan ak pri ba oswa san frè oswa Plan Doub pou Bezwen
     Espesyal (D-SNP)
 * Plan dire kout yo
   * Plan ki bay kouvèti limite pandan yon peryòd tan limite
 * Plan siplemantè yo
   * Pa egzanp, plan dantè oswa plan vizyon, ki ka kouvri depans ki pa kouvri ak
     yon plan medikal.

Aprann plis sou tip asirans sante yo


KONBYEN ASIRANS SANTE KOUTE?

Diferan faktè ka afekte pri asirans sante w. Li enpòtan pou w konprann kisa
depans sa yo ye anvan w chwazi yon plan. Men kèk depans pou w kenbe nan tèt ou:

 1. Plan asirans sante w lan ap gen yon pri — pa egzanp, ou ka peye yon tarif
    mansyèl, oswa prim
 2. Antanke manm ki gen yon plan sante, ou ka peye kopeman tou — oswa lòt frè ki
    sot nan pòch yo
 3. Antanke manm, ou ka gen tou pou w atenn dediktib yo chak ane anvan kouvèti
    asirans lan kòmanse

Lè w konnen kijan depans ou yo fonksyone, se gendwa yon trè bon fason pou ede w
chwazi plan ki ta ka pi bon pou ou a. Epitou sa gendwa ede w konnen pi byen
kòman pou w itilize avantaj ou yo nan avantaj ou on fwa ou enskri.

Aprann plis sou pri asirans sante yo


KISA ASIRANS SANTE A KOUVRI?

Chak plan sante diferan. Asire w ou verifye kouvèti asirans w lan pou w konprann
ki sèvis yo kouvri nan plan ou a presizeman.

Si w deja gen yon plan, ou ka rele nimewo ki sou kat ID manm ou a oswa konekte
nan kont plan sante w epi ale nan Avantaj ak Kouvèti pou w verifye sa ki kouvri
nan plan w lan.

Si w ap chèche achte yon plan, egzamine avantaj yo anvan w deside enskri. Kenbe
nan tèt ou, anpil plan ka konsantre sou sante ak byennèt. Kèk plan gendwa
kouvri:

 * Sèvis prevantif (lè yon doktè oswa yon founisè nan rezo a bay yo)
 * Pwoblèm medikal ki la deja yo
 * Sèvis sante mantal ak sante konpòtmantal
 * Medikaman sou preskripsyon
 * Kèk aparèy medikal (tankou ponp tete)
 * Swen matènite
 * Kèk depans pou tretman kont kansè

Dokiman plan sante w la se yon bon kote pou w aprann detay yo sou kouvèti w lan.

Aprann kijan pou w tcheke kouvèti avèk èd yon Rezime Avantaj ak Kouvèti


EKSPLORE PLIS OPSYON ASIRANS SANTE

Medicare

Plan pou moun 65 lane oswa plis oswa moun ki gen mwens pase 65 lane ki gendwa
kalifye akòz yon andikap oswa yon pwoblèm espesyal.

Medicaid

Plan ak pri ba oswa san frè oswa Plan Doub pou Bezwen Espesyal (D-SNP).

Plan kolektif nan travay yo

Opsyon asirans sante kolektif pou travay yo ofri anplwaye yo.


APRANN PLIS SOU ASIRANS SANTE

Navige sijè yo isi a pou w abitye tèt ou avèk asirans sante epi aprann kijan li
fonksyone.


JWENN REPONS SOU ASIRANS SANTE

Ann egzamine eleman debaz yo sou asirans sante ak rezon ki fè ou dwe genyen li.

Li osijè asirans sante


KONPRANN TÈM KOURAN YO

Prim? Dediktib? Aprann kisa tèm asirans sa yo gendwa siyifi pou ou.

Aprann tèm asirans sante yo


JWENN KONSÈY POU JERE DEPANS YO

Gade kijan pou w ekonomize sou depans swen sante lè w swiv kèk etap senp.

Li konsèy pou ekonomize sou frè yo

Nòt anba paj

 1. Plan dire kout yo garanti medikalman. Kouvèti sa a pa oblije respekte sèten
    kondisyon mache federal la pou zafè asirans sante, sitou sa yo ki nan Lwa
    sou Swen Abòdab la. Asire ke w tcheke kontra asirans ou/sètifika w ak anpil
    atansyon pou asire ou konnen tout esklizyon oswa limit konsènan kouvèti
    maladi ki deja egziste deja oswa avantaj sante yo (tankou ospitalizasyon,
    sèvis dijans, swen matènite, swen prevantif, medikaman sou preskripsyon, epi
    sèvis pou twoub sante mantal ak itilizasyon sibstans). Kontra asirans
    ou/sètifika w ka genyen tou limit dola pou tout lavi ak/oswa limit dola
    anyèl sou avantaj sante yo. Si kouvèti sa a ekspire oswa w pèdi kalifikasyon
    pou kouvèti sa a, ou ka oblije rete tann jouk yon peryòd enskripsyon ouvè
    pou w jwenn lòt kouvèti asirans sante. Se pa kouvèti Minimòm Esansyèl la jan
    li defini nan Lwa sou Swen Abòdab la epi li ka pa kouvri tout Avantaj Sante
    Esansyèl nan Eta w la. Kèk plan dire kout disponib kòm asirans kolektif
    asosyasyon sèlman pou manm FACT, yon asosyasyon endepandan. Lòt frè manm ka
    egzijib. Konsepsyon ak disponiblite pwodui yo varye selon Eta a. Dire tèm yo
    varye selon Eta a.

Avètisman

Kouvèti asirans lan founi pa UnitedHealthcare Insurance Company oswa afilye li
yo, oubyen anpasan pa yo. Se United HealthCare Services, Inc. oswa afilye li yo
ki ofri Sèvis Administratif yo.

Yo p ap dekouraje okenn moun k ap aplike pou kouvèti asirans sante anpasan pa
mache endividyèl la pou yo aplike pou avantaj yo, ni yo p ap refize yo pou
kouvèti oswa yo p ap peye plis prim akòz eta sante, pwoblèm medikal, eksperyans
reklamasyon pou maladi mantal, istwa medikal, enfòmasyon jenetik oswa andikap
sante. Anplis, yo p ap refize okenn moun kouvèti baze sou ras, koulè, relijyon,
orijin nasyonal, sèks, oryantasyon seksyèl, eta sivil, aparans pèsonèl,
afilyasyon politik oswa sous revni.

Referans ak UnitedHealthcare konsène chak konpayi endividyèl oswa lòt konpayi ki
afilye ak UnitedHealthcare.

Chak konpayi se yon antite separe epi li pa responsab pou obligasyon finansye
oswa obligasyon kontra yon lòt.

Kouvèti plan medikal la nan plan Endividyèl ak Familyal UnitedHealthcare a ofri
pa: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance
Organization Incorporated nan CO; UnitedHealthcare of Eta Florid, Inc.;
UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.;
UnitedHealthcare Insurance Company nan AL, KS, LA, MO, ak TN; Optimum Choice,
Inc. nan MD ak VA; UnitedHealthcare Community Plan, Inc. nan MI;
UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of North Carolina, Inc.;
UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.;
UnitedHealthcare of Texas, Inc.; ak UnitedHealthcare of Oregon, Inc. nan WA. Se
United HealthCare Services, Inc. oswa afilye li yo ki ofri Sèvis administratif
yo.

Lòt pwodui ak sèvis yo ofri yo garanti pa Golden Rule Insurance Company, Health
Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life
Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare
of New York, Inc.

Kontra asirans sa a gen esklizyon, limit, rediksyon avantaj, kondisyon kote
kontra a ka kontinye anvigè oswa sispann. Pou konnen pri ak detay konplè sou
kouvèti a, rele oswa ekri ajan asirans ou an oswa konpayi an (selon sa ki
aplikab la).

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