It's Open Enrollment period for Affordable Care Act insurance, what is your plan?

申请奥巴马医保你需要知道什么？

Dr. Tsu-Yin Wu:

Good afternoon, welcome to Dragon Eagle TV program. 

下午好，欢迎收看龙鹰卫视的节目

My name is Tsu-Yin Wu, I’m a professor and also the Director of the Center for Health Disparities Innovations and Studies known as CHDIS here in Michigan. 

我叫 吳姿瑩是东密西根大学教授及健康差异创新与研究中心（CHDIS）主任

CHDIS has been a CMS Navigator grant recipient since 2014 and our bilingual Navigators have helped thousands of individuals and families with getting healthcare coverage to help keep them healthy

2014 年以来CHDIS 中心一直是 CMS导航员资助获得者，我们的双语 导航员们 已帮助成千上万人和家庭获得医疗保险来保障他们的健康

Our navigators have been working in Bangladeshi, Burmese, Chinese, Filipino, Hmong, Korean, Nepali, Thai, Vietnamese, and recently African refugee communities throughout the State of Michigan. 

我们在密西根洲的导航员一直在为来自孟加拉国、缅甸、中国、菲律宾、苗族、韩国、尼泊尔、泰国、越南和近期过来的非洲难民社区工作

Today we are so happy we have Brenda Delgado, External Affairs Liaison, from CMS Chicago Office, to share with us all the information you need to know about Open Enrollment and beyond.

今天很高兴有来自 CMS 芝加哥办事处外部事务联络员 Brenda Delgado与我们分享有关怎样注册医疗保险及其他医疗保险相关信息

 In her current position, Brenda informs the public of CMS initiatives and Medicare program details.

Brenda在任职其间向公众通报了 CMS 计划和 Medicare 计划的详细信息

She speaks at many, many national conferences and trains community organizations and partners.

她在许多全国性会议上发表演讲并培训社区组织和合作伙伴。

And now, I am going to turn the program over to our lovely TV Host, Lisa Gray. Lisa!

现在我把节目交给我们倍受尊敬的电视主持人Lisa Gray 

Lisa:

Thank you so much, Dr. Wu. Welcome Brenda to the program.

非常感谢吴教授，欢迎Brenda 来到我们的节目

Brenda:

Thank you so much for having me.

非常感谢你邀请我

Lisa:

First, I would like to ask you, what are the important dates for enrolling in 2023 health coverage on healthcare.gov?

首先请问，在 healthcare.gov 上注册 2023年医疗保险有那些重要日期？

Brenda:

Thank you so much for bringing this information because it is so important for people to know that there are health plans that are affordable and right now we are in the enrollment season. 

非常感谢你为大众提供这些信息。让人们知道有可以负担得起的健康计划很重要而现在正是我们医疗保险注册的时间

The critical thing is, we only have a few more days before the first deadline of December 15th if people want their health plan to start coverage on the 1st of January next year.

关键是我们马上就到12月15日就是第一个注册截止日期如果想确保明年1 月1号拥有健康保险的话

Brenda: That is why we want people to go to Healthcare.gov and find a plan that works best for them and see the affordable coverage options they have available to them before December 15th. 

所以我们希望大家去网址 Healthcare.gov 找到最适合他们的计划

并在 12 月 15 日之前找到他们可以负担的得起的医疗保险选项

Lisa:

Has the financial assistance been expanded for customers at healthcare.gov? Is there financial help available?

在Healthcare.gov网站上是否增加了对客户的财政援助？是否有经济方面的帮助？

Brenda:

Yes, that is really important information that we want to share with people because the new financial assistance has been increased more than ever. 

是的，这就是我们想与大家分享的极其重要的信息，因为新的财政援助比以往任何时候都加大了

That means health plans are more affordable than they were before and more people are qualifying with more assistance. 

这意味着健康计划比以前更负担得起了，而且更多的人有资格获得更多的援助

There have been some times when families have found that family coverage was too expensive at Healthcare.gov, so we have expanded assistance for families. 

以前有家庭发现 Healthcare.gov 网址上的家庭保险过于昂贵，因此我们扩大了对家庭的援助

Right now the majority of people, 4 out of 5 people, can enroll in a plan for less than 10 dollars a month, but they have to go to Healthcare.gov by December 15th. 

现在大多数人，5人中有4人，可参加每月不到10美元的计划。但他们必须在12月15日之前去Healthcare.gov网址注册

Lisa:

So, where can people go to apply for coverage and financial help?

那么大家可以去哪里申请保险和经济帮助？

Brenda:

Well, there are a variety of ways people can apply. We try to make it as simple as possible.

人们可以通过多种方式申请，我们尽可能让申请程序间单化

Healthcare.gov works if they want to sit down in front of a computer, or they can do it on their cell phone, it only takes a few minutes to apply. There is even assistance from Navigators.
他们可以上healthcare.org 的网页通过电脑或者手机完成申请，只需几分钟时间，甚至还有导航员的帮助

With us today is Eastern Michigan who is one of our Navigators. 

今天和我们一起的是来自东密歇根州大学我们的导航员之一

They’re available anywhere in your community，they're local to you.

他们就在你周边分布在社区的任何地方

They also have assistance in a variety of languages

他们还提供多种语言的服务

so you can find a local Navigator by entering your zip code at Healthcare.gov, local help and they can find someone to help you if you don’t want to do it at Healthcare.gov.

你可以通过在 Healthcare.gov 上输入您的邮编寻求本地帮助，他们可寻找本地导航员帮助您完成注册，如果您不想上网Healthcare.gov 自己注册的话

Lisa:

Let’s say that people received coverage through healthcare.gov last year, why should they check in this year?

假设人们去年通过 healthcare.gov 获得了保险，为什么他们今年还要登记？

Brenda:

Well, healthcare plans can change their premium every month, they can also change their doctors and their list of hospitals, they can also change what medications they offer, and what the co-pays are for medications. 

医疗保健计划可能每月会更改保费 注册人也可能会更改他们的医生和医院，他们还可能会更改他们药物以及药物的费用

So just like your health insurance needs and your healthcare might change, maybe you have a new condition or you’re planning a new surgery next year,

就像您的健康保险需求和您的医疗保健可能会发生变化一样，也许您有新的状况或您计划明年进行新的手术

you really want to compare which plan is best for you every year during Open Enrollment and you also want to make sure it’s saving you the most money. 

你真的应该利用每年的公开注册来比较哪个计划最适合您，您也想确保它能为你节省最多的钱

If you are planning a surgery for next year, make sure you take that into consideration when shopping for a health plan at Healthcare.gov and also want to make sure you’re getting the best deal with the most assistance. 

如果您计划明年做手术，请确保在 Healthcare.gov 购买健康计划时考虑到这一点， 并且还要确保您获得是最值及可得到最多帮助的保险

So if you were enrolled in Healthcare.gov last year, you’re going to see once you open up your application at Healthcare.gov and you submit it again, that the tax credits that lowered your prices are even more than before. 

如果您去年在 Healthcare.gov上注册了你就会在Healthcare.gov上看到你的申请

而你再次提交时将看到降低价格的税收减免比以前更多
So that means your prices are lower this year, but we want to be sure you take advantage of it as soon as possible and find the best plan for you at Healthcare.gov by December 15th.

这意味着你明年的保险价格比今年降低了，为了确保明年享有价格优惠的保险计划

一定要在 12 月 15 日之前在 Healthcare.gov 网址上注册

Lisa:

So what premium should someone in my area expect to pay? 

 那么我所在的地区的应该支付多少保费？

Brenda:

So the premiums are depending on what type of coverage you choose. 

保险费用取决于您选择的保险类型

There are a variety of plans available, some have smaller deductibles, some have bigger deductibles,

有多种计划可供选择，有些人的自付额较小，有些人的自付额较大

some have a long list of a variety of hospitals region wide, 

有些人会有长清单，上面列着区域范围内的各种医院

some have a smaller network of hospitals. So, each plan is different,

有的医院网络规模较小，因此每个计划都是不同的

we have a variety of options for every person to choose what the best option is for them. 

我们有多种选择，供每个人选择最适合他们的方案
We also know these tax credits are going to make it much more affordable for people.

我们也知道这些税收减免将使人们更容易负担得起

Which again, most people, 4 out of 5 people, are finding a plan for less than 10 dollars a month.

再说大多数人，5人中有4人找到了每月不到10美元的计划

This is less than 2 cups of coffee and is something that you can really afford. 

这还不到2杯咖啡的钱，是你能够负担得起的

Healthcare is something everyone needs to be covered.

医疗保健是每个人都需要保障的

Think about it, if you go to the Emergency Room because of an unexpected illness or injury, people don’t show up to the Emergency Room with an appointment. 

想想如果你因为意外的疾病或受伤而去急诊室，人们不会在预约的情况下出现在急诊室

That means you need to be covered for emergencies of healthcare needs all the time but we want to be sure you have coverage as early as possible which is January 1st next year. 

这意味着您需要随时为医疗保健需求的紧急情况提供保障，但我们希望你尽早获得保险即从明年1月1日起

You have to choose your plan by December 15th if you want it to be effective the 1st of January.

如果想在1月1日生效你必须在12月15日前选择健康计划

Lisa:

Let’s say people need help, how can they find local help in their own communities?

假设人们需要帮助，他们如何在自己的社区找到援助？

Brenda:

That is the best news of what we are trying to share today, because the new law that expanded tax credits and lowered the cost of these health plans, also increased the number of counselors that we have available in your local community. 

这就是我们今天要分享的最好的消息，因为新的法律扩大了税收抵免降低了这些健康计划的成本，还增加了我们在当地社区的顾问的数量

They speak a variety of languages, they’re located in a variety of convenient places in your neighborhood.

他们可讲各种语言位于你附近的各种便利的地方

So we want you to find local help by putting your zip code at Healthcare.gov.

我们希望你在 Healthcare.gov 网址上输入你的邮编找到当地援助

Eastern Michigan is one of our Navigators, those are the counselors we have available. 

东密歇根州大学是我们的众多导航员之一，是可用的顾问

They don’t sell anything, they just provide you free expert assistance to find a health plan that best works for you at Healthcare.gov.

他们不出售任何东西，只是为你提供免费的专家援助，帮你在Healthcare.gov找到最适合你的健康计划。

We also have an 800 number that’s available at 1-800- 318-2596, that’s available 24 hours per day, 7 days a week in over 200 languages. 

你也可拨打800电话，1-800-318-2596，每周7天每天24小时以200多种语言提供服务

Healthcare.gov is the main place that people choose to enroll in a plan, they can even do it on their cell phone in just a few minutes. 

Healthcare.gov是人们选择注册计划的主要地方，他们甚至可以在几分钟内通过手机完成 

Lisa: Lastly, where can people go for more information?

最后，人们可以从哪里获得更多信息？

Brenda:

Healthcare.gov is the main site people can find information, but again, you can also speak with a counselor in your area, people can also put in their zip code at local help at Healthcare.gov. 

Healthcare.gov是人们可以找到信息的主要网站。，同样您也可以与您所在地区的顾问交谈，也可在 Healthcare.gov 的本地帮助中输入他们的邮编

Some people like to ask a variety of questions at one time, and maybe they forgot one more question, and want to reach out to someone before they make their decision before December 15th. 

有些人喜欢一次问各种的问题但也许会忘了一个问题，或在12月15日前做出决定之前联系某人

You can look at the plans on your cell phone by going to Healthcare.gov, 

你可以通过手机浏览Healthcare.gov

you can write some options down about a health plan you find that’s affordable,

你可以写下你认为可以负担得起的健康计划

then maybe you want to call our 800 number and ask a couple more questions. Our 800 number is 1-800-318-2596, and then finally before you enroll, maybe you want to meet in person with a counselor and make sure you are doing the best thing for you.

然后拨打我们的 800 号码并询问更多问题，我们的 800 号码是 1-800-318-2596，

最后您注册之前也许您想亲自与咨询师会面确保您在为自己做最好选择

The counselors are available to you, they speak a variety of languages, they’re free, they do not charge for their services, and you can find a Navigator in your community by putting in your zip code at local help at Healthcare.gov. 

你可以使用顾问，他们会说各种语言，他们是免费的，他们不收取服务费

您可以在 Healthcare.gov 的本地帮助中，输入您的邮编，找到您所在社区的导航员

Make sure you hit the enroll button by December 15th, that’s the last day you can enroll if you want coverage to start the 1st of January next year. 

请确保您在12月15日之前点击注册按钮，如果你想从明年1月1日开始投保，这是你可注册的最后一天

Lisa:

Thank you so much, Brenda, for answering our questions. Now, let me hand it over to Dr. Wu.

感谢Brenda回答我们的问题，我把时间交给吴教授

Dr. Wu:

Hi, now you heard so much very important information and this is the time you can take action now.

现在你听到了这么多重要的信息，是你采取行动的时候了

Getting covered is important, healthcare insurance could be very affordable to you. 

获得保险很重要，您可以有负担得起的医疗保险

Once you get enrolled into a healthcare plan, you can use it and get preventive health services like getting your flu shot, cancer screenings, and medical treatment. 

一旦你加入了医疗保健计划，你就可以使用它并获得预防保健服务，例如注射流感疫苗、癌症筛查和医疗

So don’t wait, make taking care of yourself the priority by enrolling today. 

所以不要等待，把照顾好自己作为首要任务，今天就报名吧！

Thank you for joining us today and we hope you have a wonderful day!

感谢您观看，我们希望您度过美好的一天！