Kupititsa kwa Chithandizo Chamtengo Wapatali:
Ndi Obamacare ndikukwera, kusintha kwatsopano kwa chisamaliro ndikusintha anthu ambiri kuti adzifunse chifukwa chiyani ndikufunikirabe kulipira kubereka ? Zikuwoneka kuti kuyendayenda kudzera mu Chithandizo Chamtengo Wapatali kwabasi kwakhala ndi mafunso ambiri kuposa mayankho. Kotero, ndiroleni ine ndiyesere kuti ndikuthandizeni kukonza zina mwa izi kwa inu.
Zomwe inshuwalansi zowonjezera zokhudzana ndi inshuwalansi, makamaka ntchito zothandizira amayi, zinayamba kugwira ntchito.
Izi zinali ndi ambiri mwa inu okondwa. Pansi pa Ntchito Yabwino Yothandizira, kwa nthawi yoyamba, makampani a inshuwalansi adzafunikanso kubwereza zowonjezereka zowonjezera zaumoyo kwa amayi kuti azidzaza mipata muzinthu zowonongeka zamakono. Malangizo atsopano omwe ali pansi pa Affordable Care Act amalola akazi kuti alandire ntchito zambiri zothandizira popanda kulipira ngongole, ndalama zothandizira ndalama kapena deductible (yomwe imatchedwanso kugawa ndalama).
Ndipo chitumbuwa cha pamwamba, Chosawonongeka Care Act (chomwe chiri ndi ntchito zothandizira zaumoyo cha amayi) chimakhala ndi malingaliro onse a inshuwalansi omwe mumapeza kudzera mwa abwana anu, msika wamsika / kusinthanitsa kapena kugula nokha (kupatulapo omwe amathandizidwa ndi olemba achipembedzo) kuti chivundikiro, popanda kugawana mtengo, njira zonse zovomerezeka za kubadwa kwa FDA ndi uphungu wa kulera. Izi zikutanthauza kuti mutha kupeza ndalama zowonjezera mwezi uliwonse popanda ndalama zowonongeka , monga momwe ndalama zonse zidzakhudzidwire ndi phindu lanu la mwezi uliwonse.
Kampani yanu ya inshuwaransi sangathe kulipiritsa ndalama zowonjezera pazinthuzi, monga zolipilira kapena deductibles.
Kusokonezeka Ponena za Kugonana
Zonsezi zikuwoneka bwino, chabwino? Koma apo zikuwoneka kuti pali chisokonezo chachikulu chikuchitika. Mwachitsanzo, tiyeni tiwone Becca, ndikulembera mauthenga awa:
"Lero ndinapita kukagula NuvaRing yanga ndi kampani yanga ya inshuwalansi ndikuganizabe kuti sayenera kulipira. Ndakhala pafoni tsiku lonse ndikukhala nawo ndipo ndikuganiza kuti timamvetsa lamulo mosiyana."
Kotero ... ndani ali woyenera mu zochitikazi? Tsoka ilo, onse awiri ali. Mukuwona, ngakhale kuti lamulo lopindulitsa la thanzi labwino lidayamba kugwira ntchito pa August 1, 2012, izi sizikutanthauza kuti mudzalandira madalitso amenewa tsiku lomwelo. Obamacare imangodalira mapulani atsopano a zaumoyo kuti azitsatira zofunikira zowonjezera kulera - kotero zimangogwiritsidwa ntchito pazinthu zomwe zinalembedwa kapena kugula pambuyo pa Thandizo Labwino la zaumoyo.
Ndondomeko za inshuwalansi zaumoyo zomwe zakhalapo kale Obamacare asanabadwe kale (kutanthauza kuti safunikira kukupatsani chithandizo cha mankhwalawa). Izi zikutanthauza kuti ndondomekoyi ikhoza kupitiriza kugwira ntchito monga momwe ilili. KOMA, ngati kampani ya inshuwaransi imapanga kusintha kwakukulu pa ndondomeko (monga kuwonjezereka kwa ndalama, kulipira ndalama, kapena kuchepetsa ndalama, kuchepetsa kwambiri, kapena kukweza malire ndi zina), dongosololi silidzakhalanso ndi ana. Kotero, uthenga wabwino ndikuti mapulani awa sadzakhala akubadwira kwamuyaya. Zolinga zambiri zataya kale izi.
Kotero kubwerera ku funso la Becca za inshuwaransi yake yosaphimba NuvaRing, izi zikhoza kukhala chifukwa chakuti ndondomeko yake yabalalitsidwa, ndipo chifukwa chake akutsutsidwa.
Ndichifukwa ninji mungapitirizebe kusamalira kuti mupereke chithandizo?
Eya, zikuwonekeranso kuti pali chisokonezo chokhudzana ndi njira za kulera. Ngakhale kuti Care Affordable Care Act imanena kuti akazi adzakhala ndi mwayi wothandizira njira zonse zothandizira za FDA - ZONSE sizili zofanana ndi zonse . Pansi pa Obamacare, malingaliro adakali ndi kuthekera kuti athetse ndalama komanso kulimbikitsa kuperekera bwino kwa chisamaliro mwachitsanzo, kupitiriza kupereka ndalama zogawanika (kupereka ndalama, ndalama, deductibles) kwa mankhwala omwe ali ndi mankhwala ngati mankhwalawa alipo komanso ali othandiza otetezeka.
Makampani ambiri a inshuwalansi akutanthauzira gawo la lamulo lomwe limawalola iwo "kugwiritsa ntchito chithandizo chamankhwala moyenerera kuti athetse ndalama" kutanthauza kuti akhoza kulipilira ndalama zothandizira njira zina za kubala koma osati ena. Ichi ndi chifukwa chake mungauzidwe kuti muyenera kulipira ngongole kuti mupeze NuvaRing, kapena kuti mapiritsi oletsa kubereka okhawo amaphimbidwa opanda malipiro.
Choncho, Kodi Ndingatani Kuti Ndipindule ndi Kugonana Kwathu Pansi pa Obamacare?
Kodi makampani a inshuwalansi amaloledwa kuchitanji kapena kampani yanu ya inshuwalansi ikangotenga ndi kusankha liti?
- Ngati kulera kwanu kuli ndi njira yowonjezera, ndondomeko yanu ya inshuwalansi ingasankhe kungopereka njira yowonjezera kwaulere. Iwo angafunike kuti, ngati mutasankha mankhwala a dzina lachitsulo (pamene chiwerengero chofanana chikupezeka), mumalipira kusiyana kwa mtengo pakati pa awiriwo.
- Ngati palibe njira yeniyeni ya kulera, ayenera kubisala mankhwala osokoneza bongo popanda ndalama. Izi zikutanthauza kuti pansi pa Zopindulitsa Care Act, ndondomeko za inshuwalansi ziyenera kuphimba, popanda inu, NuvaRing, Ortho Evra Patch , Depo-Provera , Mirena , ParaGard , ndi Nexplanon chifukwa palibe njira zina zowonjezeretsera njirazi.
- Ngati pali njira imodzi yokha yovomerezera ya FDA yomwe ikupezeka ku US, dongosolo lanu liyenera kulisunga (mwachitsanzo, NuvaRing ndilo ndekha yokhayokha, kotero iyenera kuphimbidwa). Koma popeza pali mitundu yambiri ya mapiritsi oletsa kubereka , makampani a inshuwalansi a zaumoyo angaphimbe ena mwa iwo. Choncho ndi mapiritsi otani amene amapangidwa popanda malipiro angakhale osiyana ndi mapulani.
- Ngati dokotala wanu atsimikiza kuti dzina la mankhwalawa ndi "mankhwala oyenerera" kwa inu, kampani yanu ya inshuwalansi iyenera kupereka njira yobweretsera yomwe ingakupangitseni kuti mukhale ndi chithandizo chodziwika ndi dzina lanu popanda kulipiritsa ndalama.
- Mapulani ayenera kupereka zambiri kuposa mapiritsi oletsa kubala kwaulere. Ayenera kukupatsani mwayi wopezera njira zothandizira zachipatala za FDA - izi zimaphatikizapo njira zothandizira mankhwala komanso njira zothandizira kulera.
- Ntchito zonse zokhudzana ndi kulera zimayenera kuika njira zothandizira kulandira chithandizo (monga IUDs ), kulamula kubereka, kutsata ndikuyang'anira zotsatira za kulera, kulangizidwa kuti zitsatire bwino, ndi kuchotsa zipangizo zowonongeka ziyenera kuikidwa ndi $ 0 co-pay.
- Kuletsa kubereka kosatha, monga Essure ndi tubal ligation , kuyeneranso kuperekedwa popanda kugawana mtengo.
Zinthu Zomaliza Zokumbukira:
- Kulera kwadzidzidzi kumaphatikizidwa kuti ndiphindu. Komabe, kumbukirani kuti ndondomeko Yotsimikiziranso Bungwe Loyamba ndi chinthu chodziwika bwino, choncho ndondomeko yanu ya inshuwalansi ikhoza kungotengera njira zake zowonjezera, Chotsatira Chotsatira Chokha , Njira Yanga ndi Kutenga kwaulere ndi kulipira malipiro a Pulogalamu Yoyamba B.
- Mankhwala opatsirana opatsirana pogonana monga a spermicides , makondomu a akazi , ndi Today Sponge ali ndi mtengo wodalirika wa ntchito. Koma, kuti izi zisawonongeke popanda ndalama zothandizira, muyenera dokotala kuti alembere kalata ya mankhwalawa . Kotero ngakhale kuti alipo OTC, ngati simukufuna kulipira, muyenera kupeza mankhwalawa poyamba. Popeza kuti mapiritsi am'mawa amatha kukhala ndi ma OTC , mufunikanso mankhwala (ngakhale mutakhala ndi zaka zingati) ngati mukufuna kampani yanu ya inshuwalansi kulipira. Mutha kugula mankhwalawa popanda mankhwala - iwo sangakhale omasuka.
- Ntchito zothandizira zimapindulitsa kwa amayi okha . Choncho, pansi pa Affordable Care Act, kampani yanu ya inshuwalansi ikhoza kulipira ndalama zapayinayi kapena za deductibles pofuna njira zothandizira amuna, monga zizindikiro zamakono kapena makondomu .
- Kuchotsa mimba ndi mankhwala monga RU-486 sizinaphatikizidwe pazinthu zothandizira zothandizira zothandizira, kotero makampani a inshuwalansi sakufunika kupereka mautumikiwa popanda kugawa ndalama.
Mukusowa Thandizo?
Chifukwa cha chisokonezo chonse chokhudzana ndi kulera kwa Obamacare, mukhoza kuitanitsidwa kuti mulipire chithandizo choyenera kubereka. Ngati mukuganiza kuti kampani yanu ya inshuwalansi satsatira Momwe Mungagwiritsire Ntchito Care Act, pali zinthu zomwe mungachite.
- Itanani nambala yothandiza anthu kumbuyo kwa khadi lanu la inshuwaransi kapena kuyankhula kwa bwana wanu phindu kuti mudziwe ngati ndondomeko yanu yabadwira ndipo / kapena kuti mudziwe za njira zomwe zilipo.
- Bungwe la National Women's Law Center lapanga pulogalamu yothandiza kukuthandizani kuti muteteze chithandizo chimene mwalandira chomwe chili pansi pa Chithandizo cha Care Care. Bukuli lili ndi:
- Mndandanda wothamanga kuti akuthandizeni kupeza ngati chithandizo chanu chachitetezo chikuphimbidwa.
- Malemba omwe mungagwiritse ntchito mukaitana kampani yanu ya inshuwaransi kuti muyankhe / mudziwe.
- Zitsanzo zolembera kampani yanu ya inshuwaransi ngati akulipiritsa ndalama zomwe mumalandira pofuna kuti mukhale ndi ufulu wobadwira komanso kuyanjanitsa kuti mukhale ndi ufulu wanu.
- Malangizo a momwe mungapititsire choyitanira.
Zotsatira:
FDA. "Njira Yowonetsera Kubadwa." Office of Women's Health.
United States Dipatimenti Yochita Ntchito. "FAQs za Affordable Care Act Kugwiritsa Ntchito Gawo XII." Ubwino Wothandizira Ntchito Zogwira Ntchito. February 20, 2013.