Kumvetsetsa Phulusa Lanu Loyenera Pangozi
Ambiri Achimereka amatenga inshuwalansi yawo ya umoyo kupyolera mwa abwana awo ndi ena ambiri omwe amalembedwa mu mapulogalamu a boma monga Medicaid , Medicare , CHIP, ndi ndondomeko zaumoyo zogwirizana ndi asilikali. Komanso, anthu ambiri omwe amagwira ntchito okha amagula dongosolo lawo laumoyo molunjika ku kampani ya inshuwalansi.
Kuwonjezera apo, anthu oposa 40 miliyoni a ku America alibe inshuwalansi yothandizira chifukwa amagwira ntchito nthawi yochepa, abwana awo samapereka inshuwalansi yaumphawi, kapena sangakwanitse kulipira inshuwalansi ya umoyo wathanzi koma amapanga ndalama zambiri kuti apeze Medicaid.
Palinso ziwerengero zambiri za anthu omwe angakwanitse kupeza inshuwaransi koma amatsutsidwa ndi makampani a inshuwalansi chifukwa ali ndi matenda aakulu omwe amakhalapo kale , monga khansa, shuga, kapena kachirombo ka HIV. M'mayiko ambiri, palibe malamulo omwe amafuna kampani ya inshuwalansi ya umoyo kupereka chithandizo kwa munthu aliyense.
Madzi Ambiri Oopsa
Komabe, mayiko 35 apanga mapulogalamu apadera kwa anthu omwe akuletsedwa kufotokozedwa ndi a inshuwalansi payekha chifukwa cha nkhani zokhudzana ndi thanzi. Gawo lalikulu, mapulogalamuwa, omwe amadziwika ngati malo oopsa kwambiri, amatsimikizira kuti anthu angathe kugula ndi kulembetsa dongosolo la thanzi ngakhale kuti ali ndi thanzi labwino.
Dr. Mike's Bottom Line
Ngati ndinu wachinyamata komanso wathanzi ndipo mulibe zifukwa za thanzi (monga kusuta fodya), mumakhala ndi nthawi yovuta kupeza inshuwalansi yodalirika komanso ndondomeko zaumoyo zomwe mukufuna kukhala nazo. Komabe, ngati mwachiritsidwa kuti mukhale ndi matenda aakulu kapena mutakhala ndi thanzi labwino, zomwe zimakhala zoopsa kwambiri (monga kulemera kwambiri kwa fodya kapena kutafuna fodya), simungathe kupeza chithandizo cha inshuwalansi pa mtengo uliwonse.
Mapulani ambiri azaumoyo ali mu bizinesi kupanga ndalama ndipo safuna kulembetsa anthu "odwala" amene angagwiritse ntchito ntchito zambiri .
Kodi N'chiyani Chimachitika Madzi Akuluakulu Oopsa Pomwe Akusintha Zaumoyo?
Chimodzi mwa zifukwa zazikuluzikulu zokhudzana ndi kusintha kwaumoyo (Odwala Patient Protection and Affordable Care Act) yomwe idasindikizidwa kukhala lamulo mu March 2010 ndi kuthetsa malamulo omwe alipo kale ndipo amapereka mwayi wopezera ndalama zomwe sangathe kukana kufotokozera zaumoyo.
Dziko lililonse lili ndi inshuwalansi ya zaumoyo yomwe imapereka zosankha ziwiri zazondomeko zamagulu ndi ndalama zosiyana siyana zomwe zimaperekedwa. Kusinthanitsa kungakhale malo, kapena kuwonjezera pa, dziwe lapamwamba lomwe liri pangozi.
Kodi Ndingawononge Ndalama Zambiri za Inshuwalansi Motani?
Ndondomeko zaumoyo wathanzi ndizofunika kwambiri kuti dziko lanu lizigwira ntchito. Chifukwa cha ichi, dziwe lomwe lili pangozi kwambiri lidzakulipiritsani kuposa mtengo wogula inshuwalansi yaumoyo. Kawirikawiri, madambo akuluakulu omwe amapezeka m'madera omwe ali ndi chiopsezo chachikulu amapereka mapulani anayi mpaka asanu ndi atatu a mgwirizano wathanzi kudzera mu mgwirizano pakati pa boma lanu ndi limodzi kapena makampani ambiri a inshuwalansi.
Malingana ndi dzikoli, ndalama zanu zapadera pamwezi wapadera zidzakhala 125% mpaka 200 peresenti ya pulogalamu yofanana yaumwini - yofanana ndi ndondomeko yaumoyo yomwe inakutsutsani. Mwachitsanzo, ngati ndondomeko ya chikhalidwe cha munthu imadula madola 500 mwezi uliwonse, ku California mwina ukhoza kulipira madola 625 pangozi yapamwamba (125% mlingo), ku West Virginia $ 750 pangozi yayikulu (150% mlingo) , komanso ku $ $ 1000 pangozi yapamwamba ($ 1000).
M'mayiko ambiri omwe ali ndi ziwopsezo zapamwamba, kampani ya inshuwaransi ingasinthe malingana ndi mtengo wanu wa malingaliro anu okhudzana ndi makhalidwe anu, monga msinkhu, chikhalidwe, kusuta fodya, komwe mumakhala, ndi umoyo wanu.
Iwo sangakane kuti mukupezeka ngati muli ndi thanzi labwino, koma akhoza kukulipirani mtengo wapamwamba!
Kuphatikiza pa malipiro anu a mwezi uliwonse, mudzakhalanso ndi udindo wopezera ndalama , monga ndalama zomwe mumapereka chaka chilichonse, mapepala, ndi inshuwalansi. Mutha kuyembekezera kukhala ndi deductible ya pachaka ya $ 500, koma muzinthu zochuluka zomwe deductible ikhoza kukhala pakati $ 1000 ndi $ 3000.
Kodi Madzi Akuluakulu Ambiri Ndi Maganizo Abwino?
Dambo loopsa kwambiri lingakhale lothandiza kwambiri ngati muli ndi chikhalidwe chisanayambe, mwakanidwa kuti mutha kulemba ndondomeko yaumoyo, ndipo mungathe kulipira malipiro a mwezi uliwonse. Popeza kuti mayiko ena amapereka ndalama zothandizira ndalama zapayimayi, dziwe lomwe limakhala loopsa kwambiri limatha kukhala ngati chitetezo chokwanira ngati simungakwanitse kugula ndondomeko yathanzi.
Komabe, pali mavuto ena akuluakulu omwe ali ndi ziopsezo zambiri. Ngakhale anthu mamiliyoni angapo m'mayiko 35 omwe ali ndi mathithi akuluakulu angathe kukhala nawo, olembetsa kwenikweni - pafupifupi 190,000 - akhala otsika kwambiri. Izi makamaka chifukwa cha mtengo wapatali wa ndalama zoyendetsera ndalama komanso ndalama zapakati pa chaka - anthu ambiri sangathe kugula malonda pamadzi owopsa.
Popeza m'madzi amadzimadzi amakhala okwera mtengo kwambiri, mayiko ambiri amakhala ochepa kapena amalembetsa anthu m'madzi.
Zida
Popeza kuti mayiko 35 omwe ali ndi zida zoopsa kwambiri ali ndi malamulo osiyanasiyana, ndizofunika kuti muzindikire zofunikira za boma lanu, mapulani omwe amapereka inshuwalansi pamadzi owopsa, pachaka ndalama, komanso kuthekera kuti mapulaniwa alipo panopa chatseka.
Madzi Akuluakulu a Mipingo: Mwachidziwitso - ndondomeko yabwino yochokera ku Kaiser Family Foundation yomwe ikuphatikizapo mndandanda wa mayiko omwe ali ndi mabwato akuluakulu komanso zina zowonjezera pulogalamuyi.
Bungwe la National Association of State Comprehensive Health Insurance Plans limapereka mndandanda wa mayiko omwe ali ndi ziopsezo zazikulu kuphatikizapo kugwirizana kwa pulogalamu iliyonse.