Zakale ndi Tsogolo la Inshuwalansi ya Umoyo
Pali mbali ziwiri pa lingaliro la kuwonetsetsa komwe kuli kofunika pa zokambirana zachipatala. Bungwe la Health Insurance Portability Act (HIPAA) limateteza anthu ogwira ntchito ku inshuwalansi ya umoyo ku America pamene akusintha kapena kutaya ntchito zawo poonetsetsa kuti zinthu zowonongeka sizilepheretsa munthu kupeza chithandizo cha inshuwalansi ya umoyo.
Popeza inshuwalansi ndi yothandizira ntchito, komabe wogwira ntchitoyo ayenera kusintha kusintha kwa kampani yake ya inshuwalansi ndikukonzekera pamene ntchito isintha; inshuwalansi ya umoyo siikutheka kuchokera kwa abwana wina kupita ku wina.
Izi zimakhala zovuta makamaka chifukwa chaka chilichonse olemba ntchito amapereka inshuwaransi ya thanzi ngati phindu. Chifukwa chake, antchito ambiri amadzimvera chisoni kwa abwana awo; iwo sangasinthe ntchito chifukwa sangakwanitse kutaya inshuwaransi yawo ya umoyo.
Akatswiri ambiri okonza chisamaliro cha zaumoyo amaumirira kuti kunyamula kumafunika kusintha kwa munthu aliyense, kutali ndi abwana. Izi zikutanthawuza kuti munthu akavomerezedwa ku ndondomeko ya zaumoyo ndikupitiriza kupereka malipiro oyenera, adzatha kupitiriza kupeza chithandizo chamankhwala kudzera mu ndondomekoyi ngakhale atasiya ntchito.
Kukhazikika Pambuyo pa Ntchito Yabwino Yopereka Chithandizo cha 2010
The Affordable Care Act (ACA) imafuna anthu kugula inshuwalansi ya thanzi kapena kulipira chilango.
Ikulongosola mwayi wokhudzana ndi inshuwalansi ya umoyo chifukwa chotsutsa tsankho chifukwa cha zinthu zomwe zakhalapo kale, kugwiritsidwa ntchito kwakukulu kwa chithandizo chamankhwala komanso mauthenga achibadwa.
Komabe, inshuwalansi ikugwiritsidwanso kudzera m'magulu a gulu omwe amaperekedwa ndi olemba ntchito kapena pogula pogwiritsa ntchito mgwirizano wa zaumoyo . Kusintha olemba ntchito kapena kusamukira kudziko lina kumatanthauza kuti munthu ayenera kusankha dongosolo latsopano la thanzi.
Kusinthanitsa kwa zaumoyo kumapangitsa izi kukhala zosavuta zodziyimira chimodzi, komabe zimafunika kupanga zosankha zambiri pa mtengo, chithandizo, phindu, opereka, operekera ndalama ndi zina zambiri.
HIPAA ndi Portability
Ngati simungaphunzire pansi pa ndondomeko yanu yaumoyo kapena mukusowa kusinthidwa chifukwa cha zochitika zina za moyo, muli ndi ufulu wolembetsa mwapadera mu dongosolo latsopano kunja kwa nthawi yolembera. Zochitika za moyo zomwe zili m'munsizi zimaphatikizapo kutaya chithunzi pamakonzedwe a mwamuna kapena mkazi wanu chifukwa chakufa, kusudzulana, kutha kwa ntchito ndi mkazi kapena kholo, kuchepetsa ntchito za ntchito komanso kuchoka kumalo omwe HMO yanu inagwira.
Pansi pa HIPAA ndi chitetezo chowonjezeredwa ndi ACA, ndondomeko zaumoyo sangatsutse zokhudzana ndi thanzi labwino, mankhwala ndi matenda aumunthu, mbiri yanu ya madandaulo ndi kugwiritsa ntchito chithandizo chamankhwala, kulemala, mbiri ya zachipatala ndi mbiri ya chibadwa. Iwo sangakufunse kuti muyesedwe mwakuthupi kapena muyankhe mafunso okhudza zaumoyo ndikugwiritsa ntchito izo kuti ndikuchotseni inu. Komanso, ngati mumakonda kuchita zinthu zoopsa ngati skiing simungathe kukanidwa ndi ndondomeko, koma akhoza kuchepetsa ubwino wawo ngati mukuvulala mukuchita ntchitoyi.
Onani zambiri: FAQs on Portable Health Care ndi HIPAA
Tsogolo Labwino la Umoyo wa Inshuwalansi
Ndi kusintha kwa mphamvu zandale ku Congress ndi pulezidenti pambuyo pa Obama, padzakhala anthu ambiri omwe angayesetse kusinthidwa kwa Care Act.
Ogulitsa adzafunika kuti azikhala osiyana ndi zokambiranazo ndi kuwalola kuti oimira awo adziŵe zomwe zimapindulitsa kwambiri pa malamulo a inshuwalansi.