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    Koj phau ntawv coj qhia txog daim ntawv kho mob es muaj tswv txog qhov pab them cov nqi kho mob los ntawm MNsure

    Daim ntawv kho mob muaj tswv hu ua Private health plans mas kuj yog ib qho tshiab rau koj. Cov ntaub ntawv qhia hauv qab no yuav pab kom koj kawm txog qhov sib txawv ntawm cov ntawv kho mob es muaj tswv thiab cov ntawv kho mob Medical Assistance thiab MinnesotaCare thiab yuav siv koj daim ntawv pab them nqi kho mob tshiab li cas.

    Qhov txawv ntawm daim ntawv pab them nqi kho mob es muaj tswv hu ua Private health plans yog li cas?

    Cov ntawv kho mob es muaj tswv hu ua Private health plans – kuj muaj ib lub npe hu ua qualified health plans los yog QHPs — yog daim ntawv pab them nqi kho mob muaj los ntawm cov tuam txhab muag ntawv kho mob es muaj tswv hu ua private insurance companies nyob rau qhov chaw muag ntawv kho mob hauv MNsure.

    Lub rooj ntawv nov qhia pom txog ib co ntsiab lus tseem ceeb txog daim ntawv pab them nqi kho mob rau daim ntawv kho mob Medical Assistance, MinnesotaCare thiab daim muaj tswv hu ua Private health plans.
    Cov yam ntxwv qhia tseem ceeb Medical Assistance MinnesotaCare Daim ntawv kho mob muaj tswv (Private Plan)
    Koj them nqi txhua lub hlis kom thiaj li tau qhov es pab koj them nqi kho mob Tsis yog Tsis yog yog
    Koj yeej tau cov se tax credit kom pab koj txo tus nqi them txhua lub hlis (yog tias koj qhuas lis fais) Tsis yog Tsis yog yog
    Koj muaj ib daim npav kho mob es koj muab rau saib thaum twg koj mus kho mob yog yog yog
    Tej zaum koj kuj yuav tau pab them ib qho nqi kho mob hu ua co-pay rau tej qho kev pab kho mob yog* yog* yog
    Tej zaum koj kuj muaj qhov deductible Tsis yog Tsis yog yog
    Koj yeej nrhiav tau thiab sib piv cov ntawv kho mob hauv MNsure thiab xaiv ib daim ntawv kho mob es zoo tshaj plaws rau koj Tsis yog Tsis yog yog

    * Rau cov neeg laus hnub nyoog 21 xyoos los yog laus dau

    • Deductible: Qhov nyiaj koj yuav tsum tau thau hauv koj lub hnab ris them cov kev kho mob es pab them los ntawm koj daim ntawv kho mob los yog qhov plan ua ntej koj daim ntawv kho mob pab them nqi kho mob los yog daim plan mam pib them.
    • Co-pay: Ib qho nyiaj es koj pab them es tsis hloov qhov nqi (xws li, $15) koj them rau qhov kev kho mob, feem ntau thaum koj txais qhov kev pab kho mob.
    • Premium: Qhov nyiaj koj yuav tsum tau them rau daim ntawv kho mob los yog daim plan, feem ntau them txhua lub hli, peb lub hlis ib zaug los yog ib xyoos ib zaug.

    Nco ntsoov: Feem ntau, tus nqi them rau daim ntawv pab them nqi kho mob Medical Assistance thiab MinnesotaCare mas qis qis xwb vim tias cov ntawv kho mob nov yog rau cov pej xeem hauv lub xeev Minnesota es khwv tau nyiaj tsawg es poob rau qhov es tsim nyog pab raws txoj cai. Nrhiav kom paub ntau dua txog daim ntawv pab them nqi kho mob Medical Assistance thiab MinnesotaCare hauv DHS lub vas sab.

    Vim li cas ho yuav daim ntawv kho mob es muaj tswv (private) hauv MNsure?

    • MNsure yog tib qhov chaw es koj thiaj li tau nyiaj pab kom txo tau qhov nqi.
    • Tag nrho cov ntawv kho mob muaj tswv hu ua private health plans muag los ntawm MNsure lav loo tias pab them cov nqi kho mob muaj txiaj ntsim xws li kev pab tiv thaiv kom txhob muaj mob, pab kho rau kev noj qab nyob zoo saum hlwb thiab pab rau kev siv yeeb siv tshuaj, kev pab thaum muaj kev kub ntxhov, cov tshuaj kws kho mob sau rau noj thiab pw hoo maum.
    • Tag nrho cov ntawv kho mob muaj tswv hu ua private health plans muag los ntawm MNsure muaj tej yam tseem ceeb tiv thaiv cov neeg es yuav daim ntawv kho mob xws li tsis pub muaj kev ntxub ntxaug raws li qhov es lawv twb xub muaj tus yam ntxwv mob ua ntej lawm thiab tsis txwv qhov kev pab them nqi kho mob tag tiam tias pab them nqi npaum cas xwb.
    • Cov ntawv kho mob (plans) es tsis yog cov nyob hauv MNsure tej zaum kuj tsis tau txais cov kev muaj txiaj ntsim thiab kev tiv thaiv zoo tib yam.

    Kuv yuav siv kuv daim ntawv kho mob pab them nqi tshiab li cas?

    Tom qab koj xaiv tau ib daim ntawv kho mob muaj tswv hu ua private health plans lawm thiab them qhov nqi txhua hli, koj yuav tau txais ib co ntaub ntawv lees txais koj ua ib tug tswv cuab es muaj koj daim npav kho mob thiab cov ntaub ntawv hu ua "qhia tag nrho cov txiaj ntsim thiab qhov kev kho mob es pab them nqi rau (summary of benefits and coverage)" es piav qhia kom meej txog yam kev kho mob twg es pab them nqi rau.

    Yog tias koj muaj lus nug txog koj qhov koj daim ntawv kho mob pab them nqi rau, hu rau koj lub tuam txhab muag daim ntawv kho mob kom pab tau koj.

    Txij thaum pib pab them nqi kho mob rau koj lawm, siv daim ntawv kho mob pab koj them cov nqi kho mob. 

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