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  #351  
Staro 20.12.2017, 02:45
Golic Golic je offline
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Datum prijave: 23.06.2017
US lokacija: Washington DC
YU lokacija: Banja Luka, BIH
Poruke: 26
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Pozdrav svima na forumu! Zamolio bi Kilimandzaro ako možete da mi pojasnite, vi smatrate da je Patriot America putno osiguranje najbolje za početak? Mene najviše interesuje osiguranje od samog početka, računajući od slijetanja na aerodrom pa do pronalaska posla, obzirom da bi došao sa suprugom i malim djetetom, a ne bi želio da budemo bez osiguranja. Istraživao sam po netu, našao dosta nekakvih planova, ali nisam siguran u koju kategoriju mi spadamo, da li mogu uzeti putno osiguranje ili spadamo i osiguranja koje uzimaju rezidenti i svi ostali? Prilično sam zbunjen, ako neko ima neku svježu informaciju, savjet, uglavnom vezano za osiguranje na početku, prvih mjesec, dva, tri, bio bi jako zahvalan.

Pozdrav

Tretiraju vas kao rezidente ali u svemu dok dovoljno ne zaradjujete mozete ocekivati poseban plan. Recimo sad smo uzeli osiguranje preko HealthCare.gov i placamo 106$ imamo cak i zubara za dvoje odraslih i dijete. Taj plan je oko 800$ ali ja ne radim a suprug ne zaradjuje mnogo tako da za pocetak imacete pogodnosti srazmjerne primanjima koje budete imali. Prijava je bila do 15. Decembra za 2018 godinu ali mislim da mozete pokusati dobiti i naknadno uz dokaz kad ste dosli.

LP,
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  #352  
Staro 20.12.2017, 07:03
slucajni_prolaznik slucajni_prolaznik je offline
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Datum prijave: 06.05.2016
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Pozdrav svima na forumu! Zamolio bi Kilimandzaro ako možete da mi pojasnite, vi smatrate da je Patriot America putno osiguranje najbolje za početak? Mene najviše interesuje osiguranje od samog početka, računajući od slijetanja na aerodrom pa do pronalaska posla, obzirom da bi došao sa suprugom i malim djetetom, a ne bi želio da budemo bez osiguranja. Istraživao sam po netu, našao dosta nekakvih planova, ali nisam siguran u koju kategoriju mi spadamo, da li mogu uzeti putno osiguranje ili spadamo i osiguranja koje uzimaju rezidenti i svi ostali? Prilično sam zbunjen, ako neko ima neku svježu informaciju, savjet, uglavnom vezano za osiguranje na početku, prvih mjesec, dva, tri, bio bi jako zahvalan.

Pozdrav
Unapred se izvinjavam sto cu reklamirati neko osiguranje, ali mi smo uzeli ovo https://www.sevencorners.com/inbound-immigrant za 3-4 meseca u 2017-oj u kojoj smo u US. Za 2018-tu smo vec uzeli pravo. Razlog iz koga saljem ovaj link je sto je, po meni, tu prilicno detaljno objasnjeno sta osiguranje pokriva, a sta ne, pa vam predlazem da sve to detaljno procitate. Takodje moze se placati na krace periode pa produzavati. Taj produzetak kosta samo $5 - kao neka administrativna taksa pri produzetku, tako da ako osiguranje kosta $200 mesecno, dva meseca ce kostati $400 ako se plate odjednom, ili $405 ako se osiguranje produzava. Takodje imate vise planova osiguranja, za jednu ili vise osoba, pa mozete odabrati koje vam finansijski najvise odgovara.
Glavna razlika izmedju osiguranja koje je obavezno i ovakvog, koje je relativno dobrovoljno, obicno stoje u uslovima osiguranja gde pise nesto tipa: 'THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.'
E sad, da li smo 'u grehu' sto smo imali ovo osiguranje u 2017-toj, saznacemo prilikom obracuna poreza, negde u aprilu 2018-te. Negde sam citao da se kazna ne placa ukoliko ste zaradili ispod odredjenog iznosa u godini, a mi smo poceli da radimo prilicno kasno u 2017-toj. Mozete da guglate 'What is the minimum income to file taxes in 2017?', pa da vidite da li ste ispod tog iznosa. Takodje sam procitao (sto bi i nas moglo da spase) da 'You're also exempt from the requirement if the most inexpensive coverage you can find would cost you more than 8.16% of your 2017 household income.' i to na ovom linku https://turbotax.intuit.com/tax-tips...rage/L2ait3Gsk. Takodje, probajte da se pronadjete i ovde https://www.healthcare.gov/fees/fee-...being-covered/.
Preporucujem vam, dakle, da ukoliko vam neko nudi neko osiguranje, obavezno pitate da li je sa “MINIMUM ESSENTIAL COVERAGE”, ili ne, jer ukoliko nije i imate samo njega, za imanje samo njega moguce je da placate kaznu. Jos samo da napomenem da u supruzinoj firmi, koliko je cula, vecina ne placa osiguranje, nego vec unapred racunaju da ce da plate kaznu u iznosu od 5% od income-a, ali po meni bas je preveliki rizik biti bez ikakvog osiguranja.
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  #353  
Staro 20.12.2017, 08:52
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Svenson Svenson je offline
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Datum prijave: 05.05.2017
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Hvala @slucajni_prolaznik na detaljnim informacijama za health care osiguranje. Ovo je stvar koja me najviše brine, pa me je obradovao ovaj post. Navikao sam da plaćam zdravstveno osiguranje (a i kod nas je to obavezno, pa nemam kud ), iako kod lekara odlazim ređe nego na fudbalske urakmice .
Moj drug mi je pričao kako je njegovog kolegu sa posla, pre par meseci, prevezla hitna do bolnice zbog saobraćajke u kojoj je bio lakše povređen. Stigao mu račun od kog umalo nije završio ponovo u bolnici. Hteo je da se švercuje par meseci, a ispalo ga puno skuplje.
Mislim da nije problem da se postavi link koji pomaže. Nadam se da će se složiti i moderator.
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  #354  
Staro 20.12.2017, 11:40
superkikoslav superkikoslav je offline
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Datum prijave: 27.02.2015
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Hvala puno Golic i slucajni_prolaznik na odgovorima! Zdravstveno nam je jedna od najvećih briga. Pozdrav
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  #355  
Staro 21.12.2017, 17:18
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Kilimandzaro Kilimandzaro je offline
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Datum prijave: 04.05.2016
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Da se javim. Ovo osiguranje nije lose za pocetak, ali kad dobijete socijalni broj vise ne mozete da ga koristite i obnavljate. Nije nam trebalo hvala Bogu. Ono drugo bas kao za imigrante sto moze do 5 godina, nema bas neki coverage. Nazalost u poslednje vreme sam imala prilike da vidim cene lecenja i to su nezamislive cifre. Ne znam sta da kazem, to je toliko komplikovana tema da je ne mozes uhvatiti ni za glavu ni za rep. Ali ne brinite, sta god da uzmete, ne daj Boze da bude nesto mnogo ozbiljno uvek mozete u bolnicu koja ima socijalni program (u Cikagu - Cook County Hospital) i ne znam da su ikoga odbili. Prime vas i posle predate za taj njihov program da ste nezaposleni.

Najbolje je naravno da kad trazite posao obratite paznju i na benefits koje poslodavac daje.

Ovde sam 10 meseci i i dalje nisam u potpunosti razumela njihovo osiguranje i takse. Znam samo da imam dobro osiguranje jer sam od racuna za laboratoriju urina umesto 170$ platila 23$.I toliko.
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  #356  
Staro 20.01.2018, 00:03
slucajni_prolaznik slucajni_prolaznik je offline
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Datum prijave: 06.05.2016
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Upravo popunjavam povracaj poreza i izgleda da cemo proci bez kazne, najverovatnije jer smo premalo zaradili, a mozda i jer smo ispod 6 meseci u US u 2017-oj.



Pod-pitanja iz help-a:


What counts as health insurance?

You met the Affordable Care Act requirement to have health insurance in 2017 if you were covered through:
  • Your employer (employer-sponsored health insurance, or insurance through your work, your spouse's or parent's work)
  • A state, federal or private Health Insurance Marketplace (including Healthcare.gov, and plans purchased through state Marketplaces, which are also known as exchanges)
  • Health plans offered by a college or university you’re enrolled in that began on or after December 31, 2016
  • Your parent’s health insurance plan (if you’re under 26 years old)
  • The Medicaid program in your state (Medi-Cal, MassHealth, Medical Assistance Program, SoonerCare, TennCare, MaineCare, HuskyHealth, etc.)
  • Medicare (at least Part A, Part C or Medicare Advantage)
  • A retirement program from your former employer
  • Veteran’s Administration (VA), CHAMPVA, or TRICARE
  • The Children’s Health Insurance Program (CHIP) in your state
  • A union that you’re a member of
  • The Peace Corps
  • COBRA
  • Refugee Medical Assistance (RMA)
  • The Nonappropriated Fund Health Benefit Program
  • State high-risk pools for plan or policy years that begin on or before December 31, 2016
  • A private plan purchased from a health insurance company such as Kaiser, UnitedHealth, Aetna, Humana, Blue Cross, Blue Shield, etc.
  • Other coverage recognized by the Department of Health & Human Services as minimum essential coverage
  • A combination of any of the above that doesn't result in a coverage gap of 3 months or more or more than one coverage gap during the year

If you’re not sure if the coverage you had counts, call your health insurance provider and ask if your plan is recognized as minimum essential coverage.


What doesn’t count as health insurance?

The following do not meet the Affordable Care Act minimum requirement for health insurance.
  • Health care services through clinics (e.g., CVS Minute Clinic, Planned Parenthood)
  • Other types of insurance (e.g., stand alone dental or vision plans, car, homeowner’s)
  • Plans that discount drugs or doctor visit fees, but do not pay for health care services
  • Plans that pay for services that treat one specific disease or condition, such as cancer plans
  • Workers' compensation
  • Accident or disability policies
  • Short-term plans and long-term care plans
  • Plans that pay you a set amount if you are sick or in the hospital, but do not pay for health care services
  • Travelers insurance


What’s the Affordable Care Act Penalty?

It’s the penalty for not having health insurance and is also known as the Shared Responsibility Payment. It only applies to the months you did not have health insurance.

The penalty is calculated two different ways—and the higher amount gets charged as the penalty:
  • Percentage of your income. For 2016, this penalty is 2.5% of your 2016 household taxable income. It applies to the whole household, regardless of how many family members went without health insurance in 2016. The maximum penalty for this method is the total yearly premium for the national average price of a Bronze plan sold through the Marketplace.
  • Per person fee. For 2016, the penalty is $695 per uninsured person for the year ($347.50 per child under 18). The maximum penalty using this method is $2,085.


What health care penalty exemptions can you claim if you weren’t required to get insurance?

The Affordable Care Act, requires that you either have health insurance or pay a penalty on your taxes, unless you qualify for an exemption based on your situation.

Exemptions you can claim if you weren’t required to get insurance:
  • If you spent 330 days or more outside U.S., you can claim a penalty exemption on your taxes and no further paperwork is needed.
  • If you were a resident of foreign country or U.S. territory, you can claim a penalty exemption on your taxes and no further paperwork is needed.
  • If you were not a U.S. resident, you can claim a penalty exemption on your taxes and no further paperwork is needed.
  • If you’re a member of a health care sharing ministry, you can claim a penalty exemption on your taxes and no further paperwork is needed.
  • If you’re an Indian tribe member or eligible for Indian health care, you can claim a penalty exemption on your taxes and no further paperwork is needed.
  • If you spent time in jail, you can claim a penalty exemption on your taxes and no further paperwork is needed.


What health care penalty exemptions are there for financial hardships?

If one of the following hardships kept you from getting health insurance in 2017, you can apply for a penalty exemption before you file your taxes. If approved, you'll qualify to get back all or some of your penalty.

You may qualify if you had any of the following hardships:
  • You were homeless.
  • You were evicted or were facing eviction or foreclosure.
  • You received a shut-off notice from a utility company.
  • You experienced domestic violence.
  • You experienced the death of a family member.
  • You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property.
  • You filed for bankruptcy.
  • You had medical expenses you couldn’t pay that resulted in substantial debt.
  • You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.
  • You claim a child as a tax dependent who’s been denied coverage for Medicaid and CHIP for 2017, and another person is required by court order to give medical support to the child. In this case you don’t have to pay the penalty for the child.
  • As a result of an eligibility appeals decision, you’re eligible for enrollment in a qualified health plan (QHP) through the Marketplace, lower costs on your monthly premiums, or cost-sharing reductions for a time period when you weren’t enrolled in a QHP through the Marketplace in 2017.
  • You were determined ineligible for Medicaid because your state didn’t expand eligibility for Medicaid in 2017 under the Affordable Care Act.
  • Your "grandfathered" individual insurance plan (a plan you’ve had since March 23, 2010 or before) was cancelled because it doesn’t meet the requirements of the Affordable Care Act and you believe other Marketplace plans are unaffordable.


How do I figure out if health insurance through work was not affordable in 2017?
  • If the lowest priced plan through your job that covered just you and would cost you more than 8.16% of your household income, then it was considered unaffordable. If you don't take the insurance, you won't have to pay a penalty on your tax return.
  • If the cost is not more than 8.16% of your household income and you don't take the plan, you will have to pay a penalty on your return.


How do I figure out if no affordable health insurance options were available in my area?
  • If you were not offered health insurance through a job and the minimum amount you would’ve paid toward the premiums on the lowest-cost coverage available through your state’s Marketplace would have cost you more than 8.13% of your household income, then coverage was not affordable for you.
  • Example: Earl is unmarried with no dependents with household income of $30,000. He has no medical coverage offered through work. The premium for the lowest cost bronze plan in his area would be $5,000 and he would have been able to claim a $1,700 credit if he had enrolled in the plan. Earl can claim the exemption for unaffordable coverage since the cost of the plan, $3,300 ($5,000 minus $1,700) is more than 8.13% of his household income ($30,000 times 8.13% equals $2,439).


How do I figure out if individual coverage is unaffordable?
  • If you’re married without children and both you and your spouse were offered health insurance through a job, it’s unaffordable if the combined cost of coverage for both of you was more than 8.16% of your household income. But if either of you were offered a family plan that cost less than 8.16% of your household income, coverage was affordable.
  • Example: Dan and Joanna are married without children and both of them have jobs. Joanna was offered health insurance through her job that would have cost 5% of her and Dan’s household income. Dan’s lowest-priced health insurance option through his job also cost 5% of his and Joanna’s household income. Joanna and Dan are both eligible to get the penalty for going without health insurance in 2017 waived because together, their insurance was unaffordable. However, if either of them were offered family coverage at a cost less than or equal to 8.16% of their household income, the exemption would not apply.
  • If you were only offered coverage for part of the year, it’s OK. You can calculate whether it was affordable by multiplying the monthly premium by the 12 months of the year. If that number is more than 8.16% of your annual household income, health insurance was unaffordable.
  • The Health Insurance Marketplace may follow up to confirm the details of the health insurance plan you or your spouse was offered through work.
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  #357  
Staro 30.03.2018, 22:40
Makica@'s Avatar
Makica@ Makica@ je offline
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Datum prijave: 06.06.2017
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Da li moze neko od starijih clanova da se javi Koje Putno - Zdravstveno osiguranje bi mi koji planiramo ulazak u Usa trebali da uzmemo? Mislim na period duzi od 90 dana,naravno dok ne nadjemo prvi posao i onda to ( nase iz Srbije ne moramo da koristimo) Koje bi najvise odgovaralo a da pokriva sve? Mislim na one koji su skoro usli u Usa,koje ste osiguranje uzeli Hvala vam na odgovoru
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Case Number : 2018EU000091**
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Lekarski pregled : 01.02.2018.
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  #358  
Staro 31.03.2018, 13:11
ana2018 ana2018 je offline
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Datum prijave: 20.11.2017
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Poruke: 21
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Prvobitno poslao korisnik Makica@ Prikaz poruke
Da li moze neko od starijih clanova da se javi Koje Putno - Zdravstveno osiguranje bi mi koji planiramo ulazak u Usa trebali da uzmemo? Mislim na period duzi od 90 dana,naravno dok ne nadjemo prvi posao i onda to ( nase iz Srbije ne moramo da koristimo) Koje bi najvise odgovaralo a da pokriva sve? Mislim na one koji su skoro usli u Usa,koje ste osiguranje uzeli Hvala vam na odgovoru
Makica,
Mi smo uzeli osiguranje u trajanju od 2 meseca u agenciji Aero Travel. Cena je bila nešto ispod 9000 dinara i to je najjeftinije što može da se nađe. Mislim da polisa pokriva do 35000 Evra. To je, ja mislim cena do 61 dan. Preko toga je skuplje, čini mi se da je službenica rekla da je iznos do 92 dana nekih 12000 dinara ali nisam sigurna. Agencija se nalazi u Belvillu, iza zgrade Jedro na samom uglu prema Delta City-u
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  #359  
Staro 02.04.2018, 19:24
Makica@'s Avatar
Makica@ Makica@ je offline
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Datum prijave: 06.06.2017
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Prvobitno poslao korisnik ana2018 Prikaz poruke
Makica,
Mi smo uzeli osiguranje u trajanju od 2 meseca u agenciji Aero Travel. Cena je bila nešto ispod 9000 dinara i to je najjeftinije što može da se nađe. Mislim da polisa pokriva do 35000 Evra. To je, ja mislim cena do 61 dan. Preko toga je skuplje, čini mi se da je službenica rekla da je iznos do 92 dana nekih 12000 dinara ali nisam sigurna. Agencija se nalazi u Belvillu, iza zgrade Jedro na samom uglu prema Delta City-u
Hvala puno Ana na informacijama Jos jedan update ako nekom znaci DDOR Novi Sad daje Putno-Zdravstveno osiguranje na 90 dana Po danu je 1,72 eura tako mi je zenica objasnila,i pokriva polisu od 35000 eura. 'Osiguranje zamenjuje zdravstvenu knjizicu u Americi' citiram njene reci,znaci da pokriva sve
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Prva Prijava za DV 2017 - Nista
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Case Number : 2018EU000091**
DS 260 poslat 30 Maja 2017.
Lekarski pregled : 01.02.2018.
Interview : 07.02.2018. (odlozen za Mart)
My Greeeeen Day : 12.Mart 2018.
Viza u Pasosu : 16.Mart 2018.
Landed in Boston 26.06.2018.
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  #360  
Staro 02.04.2018, 22:12
mikiSA mikiSA je offline
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Datum prijave: 01.07.2011
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Poruke: 736
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Makica ne bih da te razocaram, ali dobro ti procitaj ona sitna slova i exclusions (ima ih puno) i moli boga da ti ne zatreba to osiguranje.
Primjer iz Canade (i oni uzeli osiguranje, pa na kraju nista nije bilo pokriveno) http://www.cbc.ca/news/canada/edmont...pany-1.2642212
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