Momwe Kusinthika kwa Umoyo kunasinthira Masewera kwa Zomwe Zidakalipo
Chimodzi mwa magawo a lamulo lokonza chisamaliro cha zaumoyo (Odwala Pakati pa Chitetezo ndi Chakudya Chachidwi cha 2010, nthawi zina amatchedwa Obamacare) ndi kusintha kwa momwe makampani a inshuwalansi amaloledwa mwalamulo kugwira olembetsa ndi olembetsa omwe angathe kukhalapo kale. Nthaŵi zambiri, makampani a inshuwalansi a zaumoyo sangathe kukana kapena kuletsa chithandizo kwa olembetsa pa maziko a chikhalidwe chomwe chilipo kale.
Izi zingakhale zotsitsimutsa kwa inu ngati munthu amene ali ndi matenda opatsirana (IBD) , monga momwe mwakhalira mukukumana ndi zolepheretsa kufalitsa inshuwalansi m'mbuyomu, makamaka pamene mukusintha ntchito kapena polowa ntchito mukamaliza maphunziro a sekondale kapena koleji.
Kodi Chikhalidwe Chisanayambe N'chiyani?
Matenda omwe alipo kale ali ndi matenda kapena matenda omwe adapezeka kuti wodwalayo asafunike inshuwalansi yathanzi. M'mbuyomu, wodwala amene adapezeka kuti ali ndi matenda aakulu ndipo amene adapeza chisokonezo cha inshuwalansi ya umoyo, kapena kuti akusintha ogulitsa inshuwalansi, akhoza kukana ndondomeko chifukwa cha chikhalidwe chawo choyambirira.
Pankhani yokhudza inshuwalansi ya umoyo kudzera mwa abwana, chigamulo choyambirira chomwe chinalipo kale chinali chokhazikika pa mkhalidwe uliwonse womwe unkaperekedwa pa miyezi isanu ndi umodzi yapitayi. Izi zikutanthauza kuti chirichonse chomwe wodwala analandira chisamaliro kwa miyezi isanu ndi umodzi asanayambe kugwira ntchito yatsopano.
Aliyense yemwe ali ndi matenda aakulu adzalandira chithandizo pa nthawi imeneyo, kotero aliyense amene ali ndi IBD kapena vuto la IBD akhoza kukanidwa inshuwalansi pamene akusintha ntchito.
Kukhazikitsidwa kwapangidwe komwe kunalipo kale sikungagwiritsidwe ntchito malinga ngati wodwala ali ndi chithandizo chaka chonse asanayambe ntchito ndipo sanapeze kutayika kwa kufalitsa komwe kunatenga masiku opitirira 63.
Izi zikutanthauza kuti ngati mutapatsidwa ntchito ndipo simunagwire ntchito pachaka, kapena ngati simunagwire ntchito kwa masiku opitirira 63, mukhoza kukanidwa inshuwalansi za matenda anu mukakhala ndi inshuwalansi yatsopano ya ntchito yanu. .
Ngati wolembetsa adapatsidwa ndondomeko ngakhale kuti analipo kale, kanthawi yomwe kampani ya inshuwalansi ingakane kubisala mtengo uliwonse wokhudzana ndi chikhalidwe chomwe chinalipo kale, chikhoza kukhala miyezi 18. Kutanthauza kuti kwa chaka chimodzi ndi theka mutalandira inshuwalansi yatsopano, mwina mungakanidwe kulandira chithandizo cha IBD kapena vuto lina.
Zomwe zonsezi zikutanthawuza kuti zinali zovuta kwa aliyense amene ali ndi matenda aakulu, amene amayenera kutaya mwakuya ngati sakudziwa imodzi mwa "malamulo" ovutawa.
Chomwe Chachidula Chithandizo Chake Chimachita
Kwa anthu omwe ali ndi matenda aakulu monga IBD, makampani a inshuwalansi amaletsa kufotokozera chifukwa chokhalapo kale ndi vuto lalikulu. IBD sangathe kuchiritsidwa , ndipo chifukwa chakuti matendawa amakhala ndi wodwalayo nthawi yonse ya moyo wake, amafunika kuyang'anitsitsa nthawi ndi nthawi ndikuwunika. Zomwe zingakanidwe kutsegulidwa zinali, ndipo komabe, ndikudera nkhawa anthu ambiri.
Dipatimenti ya zaumoyo ku United States (Health and Human Services) (HHS) inanena izi ponena za momwe ACA ikuyendera zinthu zomwe zakhalapo kale:
"Pansi pa Affordable Care Act, makampani a inshuwalansi a zaumoyo sangakane kukubindirani kapena kukupatsani ngongole chifukwa chakuti muli ndi" chikhalidwe chisanayambe "- ndiko matenda omwe mudali nawo tsiku lisanayambe kulandira chithandizo chamankhwala. Iwo sangakhoze kulipira akazi kuposa amuna. "
Komabe, pali zosiyana pa izi. HHS imatchulanso izi:
Lamulo lokhalapo kale lomwe likupezeka silikugwiritsidwa ntchito kwa ndondomeko ya inshuwalansi ya thanzi la "grandfather".
Ndondomeko yambiri yomwe idagulidwa ndi yomwe idakalipo pa March 23, 2010.
Chikhalidwe chokhala ndi abambo chiyenera kulembedwa mu zipangizo zamakono. Ngati mukuganiza kuti ndondomeko yanu ikhoza kubadwa, funsani kampani yomwe ikutsogolera ndondomekoyi, ndipo iyenera kukuuzani.
Kodi Izi Zikutanthauzanji kwa Anthu Omwe Ali ndi IBD?
Kuyambira miyezi isanu ndi umodzi kuchokera pa March 23, 2010 - tsiku limene lamulo lokonza zaumoyo lidayamba kugwira ntchito - makampani a inshuwalansi a zaumoyo amaletsedwa kukana kulandira chithandizo kwa ana omwe alipo kale. Mu 2014, izi zinagwiranso ntchito kwa akuluakulu omwe alipo kale.
Kuyambanso kuyambira miyezi isanu ndi umodzi mutatha lamulo, makampani a inshuwalansi a zaumoyo sangathe kuthetsa malingaliro omwe alipo kale chifukwa chokhalapo kale. Chophimba chingathetsedwe kokha pa nkhani yachinyengo, monga kudzinenera mwakuya za vuto la thanzi lanu. Ngati chithunzi chikuchotsedwa, kampani ya inshuwaransi iyenera kudziwitsa olembetsa.
Zotsatira:
Komiti Yaikulu ya Demo. " Mwachidule cha Zopereka Zaumoyo ndi Za Ndalama. " March 2010.
Komiti Yaikulu ya Demo. " Mawu Okwanira a Chitetezo cha Odwala ndi Ntchito Yodalirika Yopambana (PL 111-148) " 24 Dec 2009.