Ngakhale kuti amantha ambiri a ku America amatsutsana ndi thanzi labwino, ambiri a ku America sakudziwa kuti kusamalidwa kwachipatala kwachitika mwakachetechete ku United States kwa zaka zambiri. Ichi si chinachake chatsopano, chomwe chimabweretsedwera ndi Care Affordable Care Act . Sichifukwa cha Obamacare . Si chiwembu chofuna kutipusitsa kuti tizisankha mankhwala ozunguliridwa ndi anthu kapena anthu onse .
M'malo mwake, chigwirizano chakhalapo pang'onopang'ono ndipo chinatsogolera United States pansi pa njira yothandizira odwala.
Kodi Kudzala Mtengo Wathu wa Chiyembekezo -Positive Prevention Users /
Monga ndalama zothandizira zaumoyo ku US zikuwonjezeka, mtengo wopereka inshuwalansi ya umoyo kwa ogwira ntchito ndi mabanja awo unakhala wolemetsa kwambiri kwa malonda a US. Ngakhalenso boma la federal linkawona kuti ndalama zowonjezera zowonjezera zowonjezera zowonjezereka zikuwonetsa ndalama za Medicare.
Amalonda ankafuna antchito osakwera chithandizo cha inshuwalansi. Makampani a inshuwalansi a zaumoyo amapanga zowonjezereka kuti athe kukwaniritsa chithandizo cha inshuwaransi ya umoyo yomwe inkapereka ndalama zothandizira paumoyo ndikupereka chisamaliro chapamwamba Ogwiritsira ntchito zaumoyo amagwiritsa ntchito njira zingapo kuti asamalire ndalama, kupanga mtundu watsopano wa inshuwalansi zamagetsi ndi njira zothandizira zaumoyo zomwe zimadziwika kuti ndizowasamalira .
Lingaliro linali kuti, poyang'anira chisamaliro chomwe chinaperekedwa, inshuwalansiyo ingakhalenso kusamalira mtengo wa chisamaliro.
Ngati bwanayo angapereke ndalama zothandizira odwala, angagulitse inshuwalansi yake ya mtengo wapatali kusiyana ndi mpikisano. Ogwirizanitsa omwe anatha kupereka ubwino wa inshuwalansi zaumoyo pazifukwa zabwino zowonjezera ndalama.
Ogulitsa (pankhaniyi, malonda, boma, ndi nzika zawo) amafuna kuti chigulitsicho chikhale chokwanira.
Makampani a inshuwalansi a ku America adayankha mwachangu ndi mpikisano. Ndizo zachigololo muchitapo. Koma, njira zatsopano zothandizira odwala omwe amagwiritsidwa ntchito kuti azipeza ndalama zowonongeka anali kudula mwakachetechete njira zothandizira zaumoyo m'madera ambiri a zaumoyo ku United States.
Momwe Kuperekera kwa Thanzi Labwino Kumakukhudzani Inu
Anthu ambiri ogwira ntchito ku inshuwalansi ku United States ali ndi dongosolo la thanzi la chisamaliro losamalika monga HMO , EPO , kapena PPO , kotero anthu ambiri awonapo mtundu wina wa kuvomereza. Kulinganiza zaumoyo ku United States sikunena momveka bwino kuti "Ayi, simukuloledwa kukhala ndi chithandizo chamankhwala awa." Mmalo mwake, kuyanjanitsa kwaumoyo ku America kumakhala kobisika ndipo kawirikawiri kumapereka chimodzi mwa mitundu iwiri:
- Kulepheretsa kupeza njira zina za chithandizo chamankhwala kapena opereka chithandizo chamankhwala.
- Zowonjezera zolepheretsa kuchipatala kuti zisawononge kugwiritsira ntchito mwachangu, chisamaliro chapamwamba, kapena chisamaliro chimene sichiri chofunikira kuchipatala .
Zitsanzo za momwe chisamaliro chaumoyo chimaperekedwa ku US mwa kuchepetsa kupeza njira zina za chisamaliro kapena operekera monga:
- Zofuna zisanayambe. Pankhaniyi, bwana wanu inshuwalansi adzakana kulipira chithandizo chaumoyo ngati simunalandire chilolezo cha inshuwalansi musanayambe kusamalira. Njira imeneyi ndi yowonjezeka pa PPOs.
- Kufuna kutumiza kuchokera kuchipatala chanu chachikulu musanayambe katswiri. Pankhaniyi, bwana wanu inshuwalansi adzakana kulipira ngongole kwa katswiri ngati PCP yanu sinakulembereni kwa katswiri. Izi ndizofala mu ma HMO.
- Mankhwala osokoneza bongo . Mapulogalamu othandizira ambiri omwe amasamalidwa amaletsa kufalitsa mndandanda wa mankhwala ena. Ngati dokotala wanu akulamula mankhwala omwe sali pa dongosolo lanu labwino la mankhwala , mankhwala anu sangathe kulipira.
- Zokakamiza makampani omwe akukufunsani kuti muzigwiritsira ntchito osowa pa intaneti okha pa chisamaliro chanu ngati mukufuna kampani yanu ya inshuwalansi kubwezera chisamaliro chanu. Izi ndizofala mu ma HMO ndi EPOs.
- Mndandanda wa kuyembekezera kwa kuikidwa kwagulu. Makampani a inshuwalansi a zaumoyo si omwe amachokera kukulankhulana kwachipatala ku United States. Mwachitsanzo, ziwalo zoperekedwa ndi chinthu chamtengo wapatali ndi chochepa; Sikuti aliyense amene amafunikira wina akhoza kufika pa mndandanda wa kuyembekezera mwayi wokalandira limba. Zimagwiritsidwa ntchito.
Zitsanzo za momwe chisamaliro chaumoyo chimaperekedwa ku US ndi zowonjezera zolepheretsa kusamalira ndizo:
- Kugawana mtengo . Kuwonjezeka kwa ndalama zowonjezera , ndalama zowonjezera ndalama, ndi zofunikira zopezera ndalama zimapangitsa kuti anthu ogwira ntchito zachipatala athe kupeza chisamaliro chifukwa wogula ayenera kuyamba ndi ndalama. Zofuna kugawana mtengo ndizophatikiza pa ogula malipiro a mwezi uliwonse kuti agule inshuwalansi ya umoyo. Dola iliyonse imene munthu ayenera kulipira kuti asamalire amachulukitsa mwayi kuti sangakwanitse kusamalira. Mofananamo, dola iliyonse ya kugawana mtengo imachepetsa chiwerengero cha anthu omwe angapeze chithandizo chachipatala chomwechi.
- Kulipiritsa inshuwalansi ya umoyo ndi chithandizo chaumoyo mwina ndi chitsanzo chabwino kwambiri cha kusamalidwa kwa thanzi. Kwenikweni, kupereka malipiro a inshuwalansi ndi thanzi labwino ndikofunika kwambiri kupereka ndalama zothandizira anthu kuti azitha kulipira kapena ayi. Iwo omwe angakhoze kulipira kwa iwo amasamalidwa; omwe sangathe kulipira samasamala. Ndizokambirana zachuma.
Dziwani kuti inshuwalansi ya Care Care yothandizira inshuwalansi yaumoyo imapangitsa kuchepetsako njira yotsirizayi yothandizana ndi kupereka ndalama zothandizira anthu omwe sangakwanitse kugula inshuwalansi paokha.
Kodi Thanzi Labwino Ndilolera Zoipa, Zabwino, Kapena Zoipa Zofunikira?
Ngakhale kuti tapereka chithandizo chamankhwala ku US kwa zaka zambiri, lingaliro la kuchepetsa chisamaliro cha zaumoyo ndilosavomerezeka ku United States. Sarah Palin adagonjetsa malingaliro awo pamene adanena kuti Affordable Care Act angapangitse "magawo a imfa" omwe angasankhe omwe angasamalire ndi omwe adzatsala kuti afe popanda chisamaliro.
Zingakhale zabwino ngati dziko liri ndi zinthu zopanda malire ndipo aliyense akhoza kukhala nazo zonse zomwe akufuna. Komabe, si dziko lomwe tikukhalamo. Chovuta ndi chakuti chisamaliro ndizofunika; ndalama ndizofunika.
Madokotala ndi anamwino amapereka chithandizo chamankhwala monga njira yopezera ndalama, kuthandiza mabanja awo, kulipira ngongole zawo. Makampani azachipatala amapanga mankhwala omwe angathe kugulitsa phindu. Ngati kampani sizipanga phindu, idzapita kunja kwa bizinesi ndipo sipadzakhalanso komweko kuti apange mankhwala aliwonse chaka chatha.
Anthu ambiri amamva kuti chithandizo chamankhwala chiyenera kukhala chosiyana ndi ndalama zachikuluzikulu, ziyenera kukhala zolinga zaumwini zomwe zimaperekedwa kwa aliyense chifukwa anthu sangathe kukhala opanda chithandizo chamankhwala. Komabe, ku United States zinthu zambiri zomwe anthu sangathe kukhala nazo popanda malire zimakhala zolemera.
Anthu sangathe kukhala opanda chakudya, komabe tiyenera kulipira chakudya m'sitolo. Anthu omwe ali pazithunzithunzi za chakudya ayenera kusamala ndalama zomwe boma limapereka kotero kuti asataya chakudya. Anthu sangathe kukhala popanda malo ogona, koma tiyenera kulipira nyumba ndi zovala. Amene sangathe kulipira.
Kodi kuchepetsa chisamaliro chaumoyo ndi choipa? Mwa njira zina, inde. Anthu amavutika akamasiya kusamalidwa sangakwanitse kapena amapita popanda chithandizo chamankhwala.
Kodi kusamalidwa kwa thanzi ndikobwino? Mwa njira zina, inde. Kupereka chisamaliro kumatithandiza kugwiritsa ntchito chuma chathu chochepa mochuluka, kusankha ndi kusankha pakati pa zosankha ndikuyesera kupeza chisamaliro chofunikiradi.
Potsirizira pake, kuvomereza kwaumoyo ndi choyipa chofunikira. Takhala tikukhala nawo chifukwa makolo athu adalipira dokotala ndi nkhuku. Tikukhala nawo tsopano pamene tifunika kupeza njira yathu yothetsera MRI yoyenera kutsogolo ndi dongosolo lathu la thanzi. Tidzakhala ndi moyo m'tsogolomu malinga ndi nthawi komanso ndalama zomwe zimakhala zopindulitsa.