Kusintha kwa chithandizo chamankhwala ndi nkhani yovuta, yokhala ndi mbali zosiyanasiyana. Ngati munagwira ntchito zaumoyo kwa kanthawi, makamaka ngati wopereka kapena wamkulu, mumamvetsa izi. Ngati muli watsopano ku zamalonda, kapena ngati simunagwirepo ntchito yathanzi, izi zingakuthandizeni kumvetsetsa mfundo zina zofunika pa nkhani yothetsera thanzi.
Anthu ambiri, kuphatikizapo ndale, akuluakulu a boma, ogwira ntchito zachipatala, ndi nzika, amamva kuti dongosolo lachipatala ku United States limafuna kuthetsa kwathunthu. Ena amaganiza kuti pali malo osinthika, koma njira yothandizira zaumoyo siyeneranso kusinthidwa kwathunthu.
Zolinga za kusintha kwa thanzi
Cholinga chachikulu cha kusintha kwaumoyo ndi:
- Perekani chithandizo cha zaumoyo kwa onse (tsopano osatonthozedwa) Achimereka konsekonse
- Kuchepetsa mtengo wa ntchito zaumoyo ndi kufalitsa
Zimamveka ngati lingaliro lalikulu, chabwino? United States ili ndi ndalama zapamwamba zothandizira zaumoyo, ndipo ifenso tili ndi mamiliyoni a anthu omwe sali otsimikiziridwa. Kotero zikuwoneka kuti tikufunikira kupereka chithandizo kwa onse, ndi kuchepetsa ndalama. Komabe, zolinga ziwirizi sizimagwirizana.
Njira za Inshuwalansi
Anthu ambiri omwe ali inshuwalansi ali ndi inshuwalansi kupyolera mwa abwana awo, ndi kampani ya inshuwalansi yathanzi.
Olemba ena amapereka chithandizo ichi mokwanira, pamene olemba ena amagawana ndalama ndi antchito. Anthu ena omwe ali odzigwira ntchito kapena osagwira ntchito ayenera kulipira chithandizo chawo cha inshuwalansi ya thanzi polipiritsa mwezi uliwonse. Anthu oposa 65 akuyenerera kulandira chithandizo cha zaumoyo cha boma chotchedwa Medicare , chomwe chimaperekedwa makamaka ndi misonkho ndi ndalama zina za boma.
Medicaid ndi pulogalamu ina yothandizira boma yomwe imatsimikizira omwe ali osawuka kwambiri kuti asapange inshuwalansi yawo. Kuonjezera apo, pali ndondomeko za boma zomwe zimapereka ndalama zowonongeka ndi boma komanso ndondomeko za ana kuti aziphimba nzika zambiri zomwe sizikanatha kupeza ngongole ya inshuwalansi. Komabe, pali mamiliyoni ambiri a ku America omwe sali oyenerera kulandira mapulani a inshuwalansi.
Anthu ambiri amaganiza kuti kupereka chithandizo chaumoyo kwa mamiliyoni a anthu omwe sali otetezedwa pakali pano kungachititse thanzi labwino kuti lizilowetsedwa, zomwe zimachititsa kuti ayambe kuyembekezera kwa nthawi yayitali ndi ogwira ntchito kwambiri.
Kuthamanga Kwambiri kwa Thanzi Labwino
Ndalama zocheperapo za ntchito zothandizira zaumoyo ndizofunika kwambiri. United States ili ndi chithandizo chamankhwala chamtengo wapatali koma imakhalanso ndi thanzi labwino kwambiri. Chithandizo ndi zamakono mu America zakula kwambiri, ndipo zimabwera ndi mtengo, osati zochepa zomwe ndi kufufuza ndi chitukuko, monga mayesero a zachipatala ndi kuyesa kalasi. Kuchepetsa mtengo wa chithandizo chamankhwala kungakhale chinthu chabwino kwambiri, koma osati ngati ndalama zachepetsedwa ndi odwala, kapena makampani omwe amapanga mankhwala ochepetsera mankhwala ndi zipangizo zamakono zomwe timakonda ku United States.
Zambiri zimapangitsa kuti mtengo wapamwamba wa chithandizo chaumoyo omwe anthu samawaganizira nthawi zambiri.
Mwachitsanzo, malamulo osokoneza bongo m'madera ena amathandizira kuti anthu azikhala ndi thanzi labwino. M'madera ovuta, kukwera kwa ndalama za inshuwalansi yachinyengo kumakhala kofunika kwambiri kwa madokotala ndi zipatala, omwe amatha kupatsira odwalawo ndalamazo. Kuwonjezera pa kukwera mtengo kwa inshuwalansi ndalama, mantha a kuimbidwa mlandu amachititsa madokotala ambiri kuti ayese mayesero osafunikira kuti adziwe okha. Mayesero enawa amathandizanso kuti mtengo wapamwamba wa chithandizo chamankhwala ukhale wapamwamba. Ngati dokotala amapanga kulakwitsa, ayenera kulipira; Komabe, nthawi zina zimagwiritsidwa ntchito mosavuta kapena zimakhala zosafunikira kwenikweni zomwe zimapangitsa kuti ndalama zapamwamba zisawonongeke.
Zochita Zachipatala
Kotero kodi timasintha bwanji chisamaliro chaumoyo? Njira imodzi ndi kuyesera kuti ikhale yovuta kwambiri. Mwina kugwiritsa ntchito zolemba zachipatala (EMR) ndi yankho loti zipatala zonse zitheke bwino. EMR ikhoza kuthandiza, koma pali ndalama zogwirizana ndi kukhazikitsa, kukhazikitsa, ndi kusunga njira ya EMR yomwe ikugwira bwino ntchito. Mu 2009, Pulezidenti Obama adagwiritsa ntchito ntchito ya EMR ku madokotala kuti agule mpira muderali. Ambiri andale ndi akuluakulu a boma akuyesera kupeza njira zina zowonjezera thanzi labwino, motero kuchepetsa ndalama zake.
Kuwonjezeka kwaumoyo wathanzi
Powonjezera kufalitsa kwa onse, kuphatikizapo mamiliyoni a mphatso zopanda chilimbikitso, ena amaopa kuti izi zidzatsogolera dongosolo limodzi lokha, ndiyeno tidzakhala ndi njira imodzi yokha - boma. Panthawi imeneyo, tikhala ndi dongosolo lofanana ndi la ku Ulaya ndi Canada. Ambiri amaganiza kuti izi ndi zabwino kwa America. Ena amaganiza kuti izi zingachititse kuti chisamaliro chikhale chochepa (monga momwe zilili m'madera ambiri omwe akuyamwitsa chithandizo chadziko), ndipo amalembetsa nthawi yayitali (miyezi isanu ndi chimodzi mpaka chaka chimodzi) kuchipatala.
Zomwe takambiranazi ndizochepa chabe mwazinthu zofunikira kwambiri zomwe zikukhudzana ndi kusintha kwaumoyo. Kotero ngati kusintha kwaumoyo kumayendetsedwa, zingakhudze bwanji ntchito yaumoyo? Izi zimadalira zomwe kwenikweni zimayendetsedwa. Koma ambiri amavomereza kuti kukonzanso zaumoyo kungapangitse kuwonjezeka kwa ntchito mwa njira zingapo, chifukwa cha malamulo owonjezereka ndi katundu wodwala wochuluka kuchokera kwa mamiliyoni a anthu omwe angakhale inshuwalansi mwadzidzidzi.
Ngati ndondomeko yothandizira zaumoyo yaumwini imapereka inshuwalansi zapayekha kunja kwa bizinesi, ndiye makamaka madokotala onse ndi opereka chithandizo chamankhwala adzakagwira ntchito kwa boma la US panthawiyo. Mwachiwonekere, zimenezo zingachepetse zomwe mungapange kwa olemba ntchito, chifukwa boma lidzakhala likuyang'anira zithandizo zonse zaumoyo, monga momwe zimakhalira ku Canada ndi ku Ulaya, kumene madokotala onse ndi ogwira ntchito zaumoyo tsopano akugwira ntchito ku boma.
Monga momwe mungathe kuwonera ndi nkhani zapamwambazi, kusintha kwa zaumoyo ndi ntchito yaikulu yomwe imakhala yosiyanasiyana komanso palibe njira yothetsera vutoli.