Kuyenerera kwa Njira Zapadera Zosamalira
Anthu mamiliyoni ambiri a ku America amapita popanda inshuwaransi yowonjezera chaka chilichonse. Ndipotu, malinga ndi Kaiser Family Foundation, anthu okwana 27.6 miliyoni a ku America omwe ali ndi zaka 65 analibe chithandizo chaumoyo mu 2016. Ngakhale kuti nambalayi ili pansi pa 44 miliyoni omwe sanatetezedwe chisanafike chaka cha 2014, nambala yochuluka.
Kukhala Osakayika Zopanda Thandizo Lathanzi
Tsoka ilo, omwe alibe inshuwaransi ya umoyo adzakhala ndi nthawi yovuta kwambiri kupeza chithandizo choyenera komanso chotheka pazinthu za umoyo ndi chisamaliro chonse cha mankhwala. Malingana ndi Kaiser Family Foundation, omwe alibe inshuwalansi samakhala ndi chithandizo choteteza chithandizo chomwe chimaphatikizapo kuunika koyenera kwa matenda. Ndipotu, 49 peresenti ya anthu osadalirika osakwanitsa zaka 65 adanena kuti alibe chitsimikizo chomwe amachigwiritsa ntchito nthawi zonse kuchipatala. Komabe, ngati simukulimbikitsidwa, muli ndi njira zingapo pamene mukufuna chithandizo chamankhwala.
Zosankha za Uninsured
Ngati simukulimbikitsidwa, pano pali zina mwazomwe mungasankhe:
- Zipinda zam'chipatala: Kupita mu 1986, Emergency Medical Treatment ndi Labor Act imafuna zipinda zosautsa kudutsa ku United States kuti zikachitire aliyense amene akuyenda pakhomo, mosasamala kanthu ka dongosolo lawo la chithandizo chamankhwala kapena kuthekera kwawo kulipira. Choncho, ER akhoza kutumiziridwa chisamaliro chaufulu chamankhwala, ngakhale kuti maulendo oterowo ayenera kupulumutsidwa pazidzidzidzi okha.
- Zipatala zaulere: Zipatala zaulere zimapereka chithandizo chamankhwala kwa anthu opeza ndalama zochepa komanso anthu osauka. Zimapezeka m'madera ndi m'madera osiyanasiyana ku United States. Zipatalazi zikhoza kulipira ndalama zochepa kapena kupereka chisamaliro kwaulere kwa odwala omwe ali ndi zochepa. Malipiro pa kliniki yaulere makamaka amadalira ndalama zanu. Inshuwalansi ya umoyo saganiziridwa pa zipatala zaulere, ndipo motero ndizovuta ngati simukulimbikitsidwa.
- Chisamaliro chosamalira: Monga momwe dzina limasonyezera, chisamaliro cha chikondi ndicho basi; chikondi. Chisamaliro cha chithandizo, chomwe chimatchulidwanso ngati chithandizo chamankhwala chopanda malipiro, ndi chithandizo chamankhwala choperekedwa kwaulere, kapena pa mtengo wotsika. Anthu ambiri omwe amalandira chisamaliro cha chikondi sakhala ndi ndalama. Chisamaliro cha chithandizo chiyenera kugwiritsidwa ntchito, ndipo chipezeka pazipatala zokhazikika komanso malo omwe amathandizira odwala.
Mmene Mungapezere Chikondi
Imodzi mwa njira zabwino kwambiri zomwe mungapeze, ngati simukuvomerezedwa, ndi chisamaliro cha chikondi. Kwa odwala ena, izi zikhoza kukhala njira yokhayo yomwe angapezere chisamaliro chomwe akusowa, koma kupeza chisamaliro cha chikondi kungakhale vuto lenileni.
Mayiko ambiri, monga New Jersey, ali ndi bungwe la boma lomwe likuyang'anira chisamaliro cha chikondi, koma odwala nthawi zambiri samadziwa. Galimoto yanu yabwino chifukwa chopeza chisamaliro cha chikondi ndikulumikizana ndi chipatala chanu. Mazipatala amakhala ndi zambiri zomwe mukufuna kuti muzipempherera ndi kupeza chisamaliro cha chikondi, kuphatikizapo chidziwitso choyenerera komanso mafomu oyenerera.
Mapulogalamu othandizira achikondi amangofuna kuti wopemphayo asavomereze mtundu uliwonse wa inshuwalansi, kuphatikizapo Medicaid . Odwala angafunikire kupereka zambiri zachuma zosonyeza kuti sangathe kulipira.
> Zotsatira:
> American College of Emergency Physicians. EMTALA. Lofalitsidwa 2016.
> Foutz J, Damico A, Squires E, Garfield R. Wopanda Uninsured: A Primer - Mfundo Zenizeni za Health Inshuwalansi ndi Uninsured Under the Affable Care Act. Henry J. Kaiser Family Foundation. Idasindikizidwa pa December 14, 2017.