Huduma za afya kwa ajili ya wahamiaji na wakimbizi katika Marekani

Kiingereza piaKiingereza hakuna

Bima ya afya kwa wakimbizi. Je, nitalipaje huduma ya tiba?

Health insurance for refugees

Bima ya Afya kwa Ajili

Going to the doctor or hospital can cost a lot of money in the United States. This is why it is important to have health insurance.

Kupata matibabu hospitalini ama kutoka kwa daktari ofisini kwake kunaweza kumgharamia mtu sana. Ndiyo sababu ni muhimu kuwa na bima ya afya. Kampuni yako ya bima ya afya husaidia kulipa gharama za udaktari.

What is health insurance?

Bima ya afya kwa ajili ya wakimbizi: Unapofika nchini Marekani kwa mara ya kwanza, wakala wako wa kupata makazi mapya Marekani utakuandikisha kupata bima ya afya. Wakimbizi karibu wote wanatumia programu iitwayo “Refugee Medical Assistance” kwa muda wa miezi minane ya kwanza kuwepo nchini. Kama unao watoto ama wewe ni mzee, labda bima yako itapatikana katika programu nyingine ya kiserikali.

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.

Baada ya muda ule wa miezi minane, utatakiwa kupata bima yako binafsi kwani itakusaidia kulipia huduma ya matibabu. Endapo upate dharura ya afya au utahitaji kupasuliwa gharama ni kubwa sana. Ukiwa na bima ya afya, kampuni husaidia kulipia huduma unayopewa.

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.

Ni lazima kulipia bima ya afya kwa kampuni ya bima ya afya. Programu nyingine zinasimamiwa na serikali. Bima ya aina hii inaitwa bima ya afya kwa umma.

How do I get health insurance?

Pia unaweza kupata bima ya afya ya kibinafsi. Nchini Marekani waajiri wengi huwasaidia waajiriwa wao kwa kuwalipia bima ya afya. Unapotafuta kazi, jaribu kuipata ile inayolipia bima ya afya. Huduma hii itasaidia familia yenu. Yanayofuata ni maarifa zaidi kuhusu aina za bima ya afya.

In the United States, you can:

Neno maalum: Kustahiki

  • get covered through government (public health) insurance programs, or
  • get insurance through your job with help from your employer, or
  • buy health insurance yourself.

Kustahiki kunaleta maana ya kupata kitu au kitu kinakufaa ukipate. Serikali itaamua kama wewe pamoja na familia yako mnastahiki aina kadhaa za huduma ya afya. Kwa maana, serikali itaamua kama wewe pamoja na familia yenu mtaweza kupata aina kadhaa za huduma ya afya. Wanapoamulia kustahiki kwenu, wanachunguza mshahara wako kiasi gani, watoto wangapi, umri wako miaka mingapi. Mara tu unapoanza kazi, unaweza kujitafutia bima ya afya.

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

Aina za Bima ya Afya kwa ajili ya Wakimbizi

Government health insurance programs

Bima ya Afya kwa Umma kwa ajili ya Wakimbizi

Are you eligible?

Sheria ya huduma ya bei nafuu

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.

The Affordable Care Act inayoitwa “Obama Care” inawalazimisha raia wa Marekani karibu wote pamoja na wanaokaa halali kuwa na bima ya afya. Obamacare inawasaidia wakimbizi pamoja na Wamarekani wengine kwani inawapunguzia gharama kutokana na msaada wa serikali.

Medicaid

Jifunza zaidi kuhusu Affordable Care Act kwa www.healthcare.gov.

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.

Matibabu

Medicare

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.

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.

Utabibu

CHIP

Medicare ni programu ya kimsingi ya bima ya afya ya Serikali kuu. Medicare inapatikana kwa wazee wote wenye umri wa miaka zaidi ya 65 pamoja na wengine ambao ni vilema wenye umri wowote ule. Inalipia baadhi ya gharama za huduma nyingine za afya naye anayepewa huduma hulipia kiasi kinachobaki. Huduma ya kuona kwake mtu, kusikia kwake, na huduma ya meno zikiwa na namna nyingine za huduma ya afya hazigharamiwi na Medicare. Kwa sababu hiyo pengine itabidi kununua bima nyingine ya afya ya kibinafsi. Medicare ina “Part D” ambayo ni sehemu ya hiari inayosaidia katika kulipia dawa ambazo ni maagizo ya daktari.

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.

Jifunze mengi zaidi juu ya Medicare.

WIC

KIBANZI

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.

Children’s Health Insurance Program, (CHIP kwa kifupi) hulipia huduma ya afya kwa familia yenye watoto wadogo. Wakati Medicaid ni nyenzo nzuri sana kwa ajili ya familia yenye shida, familia nyingine wanashindwa kupata Medicaid kutokana na mshahara unaozidi kiwango cha juu cha kustahiki huku bado familia ni masikini wakishindwa kununua bima ya kibinafsi. Ni muhimu familia za wakimbizi wawapeleke watoto kwa daktari kupimwa afya mara moja kila mwaka pia kupigwa sindano za kukinga dhidi ya maradhi. Programu ya CHIP ni nzuri kwa sababu itakusaidia kulipia miadi ya udaktari pamoja na huduma ya afya.

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

Tafuta programu ya CHIP katika jimbo lako

Private health insurance

WIC

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.

Wanawake, watoto wachanga na watoto (WIC kwa kifupi katika Kiingereza) ni programu ya kila jimbo ambayo inasimamiwa na serikali ya jimbo husika. Inakusudia watoto wenye umri chini ya miaka mitano, wanawake wajawazito na akina mama wanaowanyonyesha watoto wachanga. Programu hii inalenga lishe, kimu cha chakula na uboreshaji wa upatikanaji wa huduma ya afya na ya ustawi wa jamii. Kama mshahara wako ni wa chini na una mtoto mchanga, programu hii inakufaa.

Workplace health insurance

Jifunze mengi zaidi ukatafute programu ya jimbo lako ya WIC.

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.

Bima ya Afya ya Kibinafsi kwa ajili ya Wakimbizi

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..

Wamarekani wengi wana bima ya afya ya kibinafsi hawatumii programu za bima ya afya ya umma. Nchini Marekani, kampuni mara nyingi zinawalipia waajiriwa wao bima ya afya ya kibinafsi. Kwa kawaida, mwajiri analipia jumla ya bei huku mwajiriwa akilipia kiasi kidogo.

Paying for insurance without an employer

Maana yake ni kampuni unayoifanyia kazi itakulipia jumla ya gharama ya bima ya afya lakini bado ungalilipa kiasi fulani kwa kampuni ya bima. Gharama ya kila mwezi ya bima inaitwa “premium” (katika Kiingereza). Kila mwezi ni bei nzima ya bima kwa mwezi ule. Waajiriwa kwa kawaida wanachagua kuwajumlisha mume au mke pamoja na watoto wao wote katika mpango mmoja wao wa bima ya afya.

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.

Ukijiuzulu na kazi yako huenda utakubaliwa kuendelea kuwa na bima yako ya afya kwa kupitia “Consolidated Omnibus Budget Reconciliation Act” ya Serikali kuu. (Ufupisho wake ni COBRA) Kuendelea na bima chini ya COBRA ni kwa muda tu pengine utalazimishwa kulipia “premium” mzima.

The Affordable Care Act

Bima ya afya inauzwa katika ofisi za biashara ya bima kama huwezi kupatiwa na mwajiri wako au kama mtu anajitegemea hajaajiriwa.

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 at www.healthcare.gov.

Wanafunzi wa chuo kikuu mara nyingine wanaweza kununua bima ya afya kwa kupitia chuo chao lakini ili kusadikiwa lazima umeshajiandikisha kwa kiasi fulani cha madarasa.

College medical insurance plans

Kwa kawaida ni ghali zaidi kununua bima ya kibinafsi kwa sababu hakuna mgawo na mwajiri.

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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