Yesetsani Kuletsedwa ndi Ntchito Yodalirika Yopereka Chithandizo Chachidziwitso
M'dziko lovomerezeka, kubwezeretsa kumatanthauza kuti mgwirizano pakati pa maphwando awiri sungatheke, kutenga mapepala awiri a mgwirizanowo kubwerera kumene iwo anali asanayambe mgwirizano kapena wogulitsa.
Kutulutsidwa ndi mawu omwe agwiritsidwa ntchito pamene inshuwalansi ya thanzi imachotsedweratu ndi kampani ya inshuwaransi. Iwo akhoza kuchita izi mwalamulo pansi pa Chithandizo Chamtengo Wapatali Chothandizira ngati wodwala wachita chinyengo kapena ngati wodwala wanena mwadala mwachinthu chowoneka mwa njira yomwe yaletsedwa mu dongosolo la inshuwalansi ya umoyo.
Nthawi zina, ndiloletsedwa kwa kampani ya inshuwalansi kuti imuchotsere.
Pochotsa ntchito, kufotokozedwa kumachotsedwa kumayambiriro kwa ndondomeko, kumusiya wodwalayo kuyenera kuti awononge ndalama zake. Kawirikawiri, amabwezeredwa kuchuluka kwa malipiro awo.
No-Rescission of Coverage Kupereka kwa ACA
Zosagwirizana ndizoletsedwa (kupatulapo chinyengo ndi cholinga cholakwika chachinsinsi) pansi pa Chithandizo Chachidwi Chachidwi ndi malamulo a federal 45 CFR 147.128: Malamulo Okhudzana ndi Mafotokozedwe. Zinagwira ntchito pokonzekera zaka kuyambira pa September 23, 2010.
Mwachizoloŵezi, chofunikira kupereka chithandizo ngakhale kuti zisanayambe kukhalapo pansi pa Chithandizo Chachikulu cha Care Act chinachotsa zambiri zomwe zimalimbikitsa makampani a inshuwalansi kuti azichita ndondomeko ya odwala otsika kwambiri. Ngakhale kuti ntchito yawo isanayambe kufunikiranso kufotokozera chikhalidwe chisanafikepo ndipo iwo amatha kukana kulengeza kapena kukulipirani ndalama zambiri, sangathe kuchita izi.
Poyamba, odwala anali ndi chikumbumtima chobodza komanso osanena zachipatala, makampani a inshuwalansi anali ndi chidwi choyang'anitsitsa zosalongosola ndi kuwatcha kuti chinyengo.
Makampani a inshuwalansi angathe kupitirizabe kukonza zolakwika zina mwachinyengo, monga kulephera kulongosola kusudzulana ndipo mwamuna kapena mkazi wawo wakale akupitiliza kupeza phindu pansi pa ndondomekoyi.
Inshuwaransi ayenera kutsimikizira cholinga chake chonyenga.
Kusagwirizana ndi Zomwe Akugwirizana Zisanayambe A ACA
Zolingalirazo zimakambidwa mobwerezabwereza pakukonzekera kukonzanso chisamaliro cha zaumoyo, ndi njira zambiri zomwe zikuwonekera. Makampani a inshuwalansi a zaumoyo, pofuna kuyesa kuti azikhala ndi ndalama, angasankhe kuchotsa chithandizo kwa wodwala wodwalayo omwe anali osamala kuposa momwe akufuna kulipira.
Pomwe wodwalayo adadwala, inshuwalansiyo adzayang'anitsitsa ntchito yake yoyambirira yowunikira, fufuzani (zomwe iwo akuwona kuti ndi) kusiyana, ndiye kuti wodwala wodwala inshuwalansi amanamizira pa ntchito yake. Izi zinapatsa inshuwalansi chilolezo chalamulo kuti asiye chigamulocho. Makampani ena a inshuwalansi amapanga mapulogalamu omwe amachititsa kufufuza kwachinyengo kwa odwala omwe adalandira matenda omwe angakhale otsika mtengo.
Mavuto opangidwa kwa odwala omwe sanaganize zabodza zawo, komanso omwe inshuwalansiyo amapeza zosiyana zomwe sizinafotokoze. Mwachitsanzo, pa nkhani ya ku Texas, chidziwitso cha amayi chinagwetsedwa atatha khansa ya m'mawere . Wothandizira inshuwalansiyo adayambanso kufotokozera kuti adalephera kufotokoza kudzachezera kwa dermatologist chifukwa cha ziphuphu, zomwe zinali zosagwirizana.
Mavuto ena amayamba kwa odwala omwe amapereka malipiro kwa nthawi ndithu koma atayambanso kulandira chithandizo chawo.
Wa inshuwalansi sanavutike kukambirana ndondomekoyo kufikira munthuyo atapereka ndalama. Iwo anasonkhanitsa ndalama, koma sakanati azipereka mautumiki awo olonjezedwa. "Kugwa" kumeneku pamene mukudwala kumayesetseratu gawo lopanda chithandizo cha Affordable Care Act.
Nthawi idzadziwika ngati kuchitiridwa nkhanza koteroko kudzapitirira ndipo ngati malamulo ena akufunika kuthetsa mwambowu.