Top 10 most costly areas for ACA health insurance plans Anyone buying health insurance inside a Colorado resort town may feel as if closing the laptop and schussing the slopes to ease frustration. These areas were just named the foremost expensive for medical coverage beneath the Affordable Care Act (ACA ). Let Insurance. com assist you find affordable health insurance now. Kaiser Health News — which says its findings are depending on recent data coming from the Kaiser Family Foundation, the federal HealthCare. gov website and state exchanges — gives Colorado’s Eagle, Garfield and Pitkin counties (including Aspen and Vail ski getaways ) the very best premiums, at $483 a month. Rural regions of Georgia, Mississippi and Nevada aren‘t far behind, as is really a Connecticut suburb of New York City, all Alaska and the majority of Wyoming. The premiums are driven by lowest price ” silver ” plan, and that is mid-level coverage that almost all consumers are buying with the exchanges. Here will be the 10 most costly areas, depending on monthly premiums, consistent with Kaiser Health News : $483 — Colorado mountain resorts (Eagle, Garfield and Pitkin counties). Also, premiums in Colorado’s Summit County are $462. $461 — Southwest Georgia (Baker, Calhoun, Clay, Crisp, Dougherty, Lee, Mitchell, Randolph, Schley, Sumter, Terrell and Worth counties). $456 — Rural Nevada (Esmeralda, Eureka, Humboldt, Lander, Lincoln, Elko, Mineral, Pershing, White Pine and Churchill counties). $445 — Western Wisconsin (Pierce, Polk and St. Croix counties). $423 — Southern Georgia (Ben Hill, Berrien, Brooks, Clinch, Colquitt, Cook, Decatur, Early, Echols, Grady, Irwin, Lanier, Lowndes, Miller, Seminole, Thomas, Tift and Turner counties). $405 — Most of Wyoming, but excluding Natrona and Laramie counties. $399 — Southeast Mississippi (George, Harrison, Jackson and Stone counties). Also, the lowest price plan in Hancock County is $447. $395 — All of Vermont. $383 — Southwest Connecticut (Fairfield County). $381 — All of Alaska. The Kaiser report says the lofty premiums in Colorado could be blamed on high costs for medical care in those areas. In other pricey regions, insurers can inquire about more income because there‘s a limited quantity of hospitals and specialists open to patients. ” High individual insurance rates also reflect the extra costs that come when locals are likely to have poor health and where large numbers of individuals lack employer-sponsored insurance, leaving providers with increased charity cases and lower-reimbursed Medicare patients, ” based on the report. Health insurance options beyond the health insurance exchanges The ACA requires the uninsured have coverage from the March 31 deadline or face a penalty. The fine in 2014 is $95 or 1 percent in an individual’s taxable income, whichever is higher. The penalty climbs to $325 in 2015 and $695 by 2016. Subsidies can be found to assist shoulder costs for people who qualify. Consumers are eligible for any tax credit in the event that they earn as much as 400 percent from the federal poverty level — that is $94, 200 for any family of four in 2013. The tax credits aren‘t available for health insurance purchased outside the exchanges. You are able to shop for insurance with the government-run exchange with your state, but additional options : • Can you get it at work? Most employer-sponsored plans meet minimum standards set from the feds ; your boss should have notified you of the by Oct. 1. Bear in mind, though, that almost all employer-based plans have open enrollment in the autumn. Your workplace can provide you with the specific details, including deadlines. • Does an employer’s plan cover spouses or dependents? Most work-based health plans extend benefits to spouses, albeit they are not legally needed to. Again, check along with your employer. Also, anyone under 26 can remain on the parent’s medical plan, even if they should already get access to health insurance elsewhere, do not live with these or are married. • Do you qualify for a government health insurance plan? The ACA says you are covered when you have Medicare or Medicaid ; your children are covered in the event that they receive benefits beneath the Children’s Health Insurance Program. Medicare is typically eligible to anyone 65 or older, possess a disability or end-stage renal disease. Have the ear of a seven-month period (starting three months before your 65th birthday ) to join Medicare in the government’s Medicare. gov site. In case you do not check in then, you are able to enroll from Jan. 1 to March 31 of each and every year. Medicaid eligibility, which is expanded beneath the ACA, is founded on income and family size. Can you qualify? You are able to fill out a credit card applicatoin at the state’s health insurance exchange to see. You may also find out if your children could be covered with the Children’s Health Insurance Program. • Go directly to a health insurer Some companies that provide medical coverage — – including United Healthcare, Humana, Aetna, Cigna and Coventry — are not participating at many of the exchanges. But, in fact, they are still selling health insurance. You will get relevant information by checking out their websites, speaking with their representatives or dealing with an insurance agent. These companies may provide a bigger sort of plans compared to the exchanges, which offer more standardized coverage.
Home » Uncategories » Tata Cara Berdoa Agar Cepat Di Kabulkan Allah Swt

Tata Cara Berdoa Agar Cepat Di Kabulkan Allah Swt

Berdoa merupakan cara kita memohon atau meminta kepada Allah Swt dalam hal kebaikan, seperti halnya meminta kesehatan, keselamatan, meminta rezeki yang halal, meminta petunjuk, dan meminta agar diberi ketabahan dalam menghadapi ujian kehidupan.

Tujuan kita berdoa tentu saja untuk memohon agar hidup kita selalu dalam bimbingan Allah Swt, meminta perlindungan dari godaan setan, memohon agar kita diberi keselamatan dunia akhirat, serta untuk mengungkapkan rasa syukur kita atas semua berkah dan rahmat yang semua Allah Swt berikan kepada kita. serta harapan dan keinginan kita lainnya.


Namun seringkali kita berdoa hanya saat tertimpa musibah saja, seharusnya kita berdoa dalam kondisi apapun, baik ketika susah maupun senang, ketika dalam keadaan sehat maupun sakit, selama kita masih diberi kehidupan di dunia ini. Kita harus sadar bahwa kita sebagai manusia adalah makhluk ciptaan-Nya.
Ketika kita berdoa ada beberapa tata cara atau adabnya, supaya doa yang kita panjatkan di ijabah oleh Allah Swt. Untuk tata cara atau adab ketika berdoa sangatlah banyak, diantaranya adalah:

1. Memilih waktu dan keadaan yang tepat untuk berdo'a.

Untuk waktu dan keadaan yang mustajab untuk berdoa diantaranya adalah:

1. Antara azan dan iqomat.
2. Menjelang waktu sholat dan setelah sholat
3. Waktu sepertiga malam yang terakhir
4. Sepanjang hari Jum'at
5. Antara Dzuhur dan Ashar, serta Ashar dan Maghrib
6. Ketika khatam membaca Al-Qur'an
7. Ketika turun hujan
8. Ketika melakukan Tawaf
9. Ketika menghadapi musuh dimedan perang.
10. Dalam berdo’a sebaiknya di ulang 3 (tiga) kali.

2. Berdoalah dengan menghadap kiblat.

Tidak hanya ketika sedang sholat saja ketika sedang berdoa kita juga anjurkan untuk menghadap kiblat. Hal ini berdasarkan sebuah hadist."Rasulullah datang ketempat wuquf di Arafah dan ia menghadap kiblat lalu terus menerus berdo'a sehingga tenggelam matahari"

 3. Sebelum berdoa membaca basmalah, istighfar dan hamdalah. Kemudian disusul dengan shalawat Nabi Muhammad Saw, keluarga dan sahabat-sahabatnya.

Salah seorang sahabat Nabi berkata : "Ketika Nabi Muhammad saw duduk dimasjid, tiba-tiba datang seorang laki-laki masuk, lalu ia shalat. Setelah selesai ia membaca doa,'Allahummaghfirlii warhamnii'. Maka waktu itu Rasulullah pun berkata, wahai kawan, engkau terburu-buru. Jika Engkau shalat, duduklah dahulu kemudian bacalah pujipujian kepada Allah. Karena dia yang memiliki pujian itu, lalu Engkau baca shalawat kepadaku kemudian baru berdo'a .Kemudian datang seorang yang lain setelah  shalat ia memuji Allah dan membaca shalawat untuk Nabi Muhammad saw. dan setelah itu Nabi bersabda, Berdo'alah akan dipenuhi."

4. Berdo'alah dengan bersunguh-sungguh, Ikhlas, dengan suara lembut dan rasa takut.

Firman Allah Swt:"Berserulah (Berdo'a) kepada Tuhanmu dengan merendahkan diri dan suara yang lembut. Sesungguhnya Allah tidak menyukai orangorang yang melampaui batas. Dan janganlah engkau berbuat kerusakan dibumi sesudah (Allah SWT ) memperbaikinya, dan berdoalah kepada-Nya dengan rasa takut (tidak diterima) dan harap (akan dikabulkan). Sesungguhnya rahmat Allah amat dekat kepada orang-orang yang berbuat baik." (Q.S. Al A'raf : 55-56)

5. Harus yakin doa kita akan dipenuhi.

Ketika berdoa kita harus yakin dan berperasangka baik kepada Allah, seperti dalam sebuah hadist berikut ini : "Sesungguhnya Allah 'Azza wa Jalla berfirman : Aku akan mengikuti prasangka hamba-Ku kepada-Ku. Dan Aku selalu menyertainya apa bila ia berdoa kepadaKu".

Demikianlah mengenai bebera adab atau tata cara berdoa agar di kabulkan oleh Allah Swt, yang bisa di terapkan ketika sedang berdoa. berdoa bisa dilakukan kapanpun karena doa yang kita panjatkan pasti akan didengar-Nya. Allah Swt Berfirman "Berdo'alah kepadaKu, niscaya aku akan mengabulkan do'a kalian.". dan semoga bisa bermanfaat bagi pembaca. Aamiin



baca sumber
Share on Facebook
Share on Twitter
Share on Google+
Share on LinkedIn
== [ Klik 2X ] [ Close] ==
== [ Klik 2X ] [ Close] ==