Chifukwa cha ACA, Ambiri Ambiri Amatha Kugwiritsa Ntchito Nthawi Zosasamala
Pambuyo pa Chithandizo Chamtengo Wapatali chisanayambe kusintha inshuwalansi ya umoyo ku US, mikhalidwe yomwe idakalipo nthawi zambiri inathandiza kwambiri pa inshuwalansi ya umoyo imene anthu adatha kupeza.
Pazinthu zonse zisanu ndi chimodzi , inshuwalansi ya zaumoyo yogulitsidwa pa msika wina aliyense sungathe kupezerapo zinthu zonse zomwe zakhalapo kale, zimabwera ndi ndalama zapamwamba zochokera ku mbiri yachipatala, kapena zimangokhala zopanda phindu ngati zinthu zisanafikepo zinali zovuta.
Msika wogulitsidwa ndi abwana, ogwira ntchito omwe sanagwiritsidwe ntchito kwa abwana sangathe kukana kapena kupereka malipiro oonjezerapo owonjezera chifukwa cha mbiri yawo yachipatala (ngakhale kuti mapepala a magulu angakhale okhudzana ndi mbiri yachipatala ya gulu lonse m'mayiko ambiri) , koma ogwira ntchito omwe sankatsimikizira kuti adzakhala ndi chitukuko chotsatira, adakali ndi nthawi yowonongeka yomwe inakhalapo nthawi yaitali malinga ndi momwe ntchitoyo idakhalira nthawi yayitali.
Tsopano kuti ACA yakhazikitsidwa, anthu ambiri sakhalanso ndi nthawi yowonongeka. Ngakhale monga momwe tafotokozera m'munsimu, agogo ndi abambo omwe ali ndi mapulani ali ndi malamulo osiyana.
Mkhalidwe Womwe Ulipo Kale Ulipo Womwe Unagwiritsidwa Ntchito Pambuyo pa ACA
Zisanafike chaka cha 2014, pamene ACA inagonjetsa kwambiri inshuwalansi ya zaumoyo, mapulani ena azaumoyo adzalandira mavoti atsopano koma ndi nthawi yowonongeka (ie, kuyembekezera nthawi).
Izi zinali zofala kwambiri pazinthu zopangidwa ndi abwana kusiyana ndi malonda amodzi a malonda, monga malonda amodzi a malonda ankakonda kutenga njira zowonjezera zowonjezereka zomwe zisanachitikepo (kuphatikizapo iwo nthawi zonse, kupereka malipiro apamwamba, kapena kuchepetsa ntchitoyo). Koma malingaliro ena a malonda anabwera ndi chikhalidwe chisanayambe kupepedwa kwa kanthawi kochepa chabe.
Ngati munakhalapo nthawi yodzipatula, simunali ndi chithandizo china chilichonse chokhudzana ndi nthawi yomwe munakhalapo kale, ngakhale mutapereka malipiro anu pamwezi . Izi zikutanthauza kuti nkhani zatsopano zokhudzana ndi thanzi zomwe zinayambika panthawiyi zidakonzedwa ndi kampani ya inshuwalansi ya umoyo, koma nkhani zonse zaumoyo zomwe zinali zokhudzana ndi chikhalidwe chomwe chinalipo kale sichinapitirire mpaka kutha kwa chisankho chomwe chinalipo kale nthawi.
Pansi pa HIPAA (Act Insurance Act and Accountability Act ya 1996 ), mapulani omwe amagwiritsidwa ntchito ndi ogwiritsidwa ntchito ndi alangizi amaloledwa kuti apangitse nthawi yowonongeka kwa nthawi yoyenera ngati olembetsa atsopano analibe osachepera miyezi khumi ndi iwiri yokhala ndi ngongole (ie, sanalimbikitsidwe asanalowetsedwe mu ndondomeko ya gulu) popanda mipata ya masiku 63 kapena kuposerapo (pakatha miyezi khumi ndi itatu (18) yolemba ngongole ngati munthuyo akulembera ndondomeko yamagulu mochedwa, atatha mawindo ake olembetsa.
Ndondomekoyi inaloledwa kubwereranso kumbuyo kwa miyezi isanu ndi umodzi yapitayi ya mbiri yachipatala ya munthuyo, ndipo sipatulapo zinthu zomwe zakhala zikuchitika pakadutsa miyezi isanu ndi umodziyi, ndi nthawi yotsalira yosapitirira miyezi 12.
Kutalika kwa nthawi yowonongeka kwa nthawi yomwe adakhalapo kunachepetsedwa ndi chiwerengero cha miyezi yomwe munthu adalandirirapo miyezi 12 yapitayo. Choncho wolembetsa amene sanalimbikitsidwe kwa miyezi inayi akhoza kukhala ndi nthawi yachisanu ndi chiwiri yokhala ndi nthawi yopezekapo ndi ndondomeko yatsopanoyo, poganiza kuti adachiritsidwa kuti akhalepo kale m'miyezi isanu ndi umodzi yapitayo.
Ena amanena zochepa zomwe zakhalapo kale kuposa zovuta za HIPAA, koma nthawi zambiri zimakhala zomwe anthu amakumana nazo ngati atalembedwa pulojekiti yisanayambe kulembetsa ndondomeko yatsopano isanakwane chaka cha 2014.
M'msika uliwonse, zoletsedwa za HIPAA sizinagwire ntchito. Ogulitsa inshuwalansi m'mayiko ambiri nthawi zambiri ankayang'ana mmbuyo zaka 10 kapena zaka zambiri zolemba zachipatala, ndipo amatha kulekanitsa zinthu zomwe zakhalapo kale kuti zikhalepo nthawi zambiri.
Mkhalidwe Woyamba Ulipo
Chikhalidwe chisanayambe ndi matenda omwe analipo musanapemphere inshuwalansi ya umoyo kapena kulowetsani dongosolo latsopano la thanzi.
Kwenikweni vuto lililonse lachipatala lingagwere pansi pa ambulera ya chikhalidwe chomwe chinalipo kale m'masiku oyamba a ACA. Zomwe zakhalapo kale zikhoza kuchoka ku chinthu chofala monga mphumu ku chinthu choopsa monga matenda a mtima, khansa, ndi shuga. Matenda aakulu omwe amachititsa chiwerengero chachikulu cha anthu onsewa anali ngati kale.
Ndondomeko Yopereka Chithandizo
The Careable Affordable Act inasintha njira zomwe zakhalapo kale zisanachitike ku United States. Pa msika wina aliyense, kuyambira 2014, asungweli a zaumoyo sangathe kuwerengera mbiri ya moyo wanu pamene akuganiza ngati akugulitseni inshuwalansi ya umoyo. Iwo sangathe kuchotsa chikhalidwe chisanayambe kuchoka ku chithunzi, ngakhalenso sangakulipire zambiri chifukwa muli ndi chikhalidwe chisanayambe.
N'chimodzimodzinso ndi msika wogulitsidwa ndi abwana, ndipo magulu azaumoyo a gulu sakhalanso ndi nthawi yodzipatula, mosasamala kanthu kuti wolembera ali ndi mbiri ya chitukuko chokhazikika ndi / kapena zakhalapo kale. Pokhapokha ngati olembetsa akugwira bwino ntchito, akukhudzidwa mokwanira pansi pa ndondomeko ya ndondomeko ya thanzi, popanda chifukwa chokhalapo kale.
Agogo aamuna ndi azinthu omwe ali ndi mapulani ali osiyana. Iwo sayenera kutsatira malamulo a ACA okhudza zoyenera kukhalapo kale, ndipo angapitirize kusasintha mikhalidwe yomwe idalipo kale.
Pa msika wina aliyense, anthu sanathe kulembetsa mapulani awo kuyambira March 2010, komanso muzinthu zazikuru kuyambira kumapeto kwa 2013.
Koma msika wogulitsidwa ndi abwana, ogwira ntchito omwe angoyamba kumene (ndi omwe amalembetsa pa nthawi yolembetsa kwa olemba ntchito yawo) angathe kulembetsa kwa agogo ndi abambo omwe athandizidwa nawo ntchito, zomwe zikutanthauza kuti pali anthu ena omwe atsopano kuti asakhalepo nthawi yodzipatula. Ngati muli ndi mafunso okhudza malamulo anu pa izi, funsani ofesi yanu ya HR kapena ndondomeko ya inshuwalansi.
Zambiri za Dr. Mike
Zomwe Zilipo Kale - Kumvetsetsa Zopanda Phindu Ndiponso Zopindulitsa
> Zotsatira:
> Magulu a Medicare ndi Medicaid Services. Lamulo la Umoyo wa Inshuwalansi ndi Kuyankha (HIPAA) wa 1996. Malangizo othandiza .
> Kaiser Family Foundation. Kusintha kwa Msika Wa Inshuwalansi za Zaumoyo: Nkhani Yotsimikiziridwa . June 2012.