Pali Zambiri Kwambiri Kuposa Kutetezeka Kwachilendo
Onani mndandanda wa 2012 pansipa.
Kaya ndinu Medicare wopindula , ndondomeko yomwe inayamba kugwira ntchito mu 2008 idzakhudza inu. Ndondomeko yatsopanoyi imayankhula "zosachitika konse" zomwe zimabereka nthawi ya chipatala. Ndondomekoyi itayamba kugwira ntchito, Medicare anasiya kulipira mavuto ena omwe adachokera kuchipatala.
Zomwe sizinayambepo pa mndandanda wa Medicare ndi mavuto ngati opaleshoni yolakwika, kuikidwa magazi, mtundu wa magazi, zilonda zam'mimba (kugwa), kugwa kapena zoopsa, ndi matenda opatsirana pogonana ( opatsirana ndi chipatala) omwe amagwiriridwa ndi opaleshoni kapena catheters.
Achisanu ndi chitatu amachokera ku mndandandanda wa zochitika zosawerengeka makumi khumi ndi zisanu ndi zinai (28) zomwe zimatchulidwa, ndithudi, chifukwa siziyenera kuchitika kwa wodwala aliyense.
Komanso, ngati palibe chochitika chochitika, Medicare akuti wodwalayo sangayesedwe kuti azisamaliridwa kuti athetsere chochitikacho. Zonsezi zikutanthauza kuti, inde, chipatalachi chidzafunikanso kubweza ndalama zina zowonjezera zomwe zimachokera ku mavuto ena omwe wodwala adakumana nawo.
Posakhalitsa, pali njira zingapo zomwe Medicare yatsopanoyi sichidzakhudzidwe ndi zochitika zonsezi:
- Medicare akuti chifukwa chake chimodzi chokha cha ndondomeko yatsopanoyi ndi kukonza chitetezo ndi kufunika kwa odwala. Mosakayikira, zipatala ziyenera kuyamba kuyang'ana pa njira zotetezera kuti odwala asamavutike ndi mavutowa, ngati popanda chifukwa china chochepetsera ndalama za chipatala.
- Ogwiritsira ntchito zaumoyo nthawi zambiri amatsatira chithandizo cha Medicare, ndipo ambiri ali okonzeka kugwiritsa ntchito ndondomeko yomweyo. Padziko lonse, a inshuwalansiwa akudziwitsa zipatala kuti sangathe kulipira chifukwa cha zolakwa za kuchipatala, ndipo nthawi zambiri, mndandanda wa zolakwa zawo ndizokwanira. Izi zikutanthauza kuti makampani a inshuwalansi a zaumoyo adzapulumutsa ndalama zomwe zimadwalitsa anthu omwe ali ndi inshuwaransi. Komabe, pamene tikuyembekeza kuti malipiro amachepetsedwe, mwinamwake tingathe kuyembekezera kutsika mtengo woperekedwa kwa makasitomala.
- Payenera kukhala yaikulu yaikulu pa bajeti ya Medicare. Mu 2007, asanu ndi atatu omwewo sanachitikepo okha analipira $ 22 biliyoni. Monga okhopetsa msonkho, tiyenera kusangalala kuona ntchito izi osati m'malo mwa chitetezo chathu monga odwala komanso pa wallets, nawonso.
- Mabungwe okwana 20 akulingalira mfundo imodzimodziyo kwa odwala Medicaid. Pafupifupi mayiko khumi ndi awiri ayamba kale kugwiritsa ntchito ndondomeko yopanda malipiro-osa-zochitika.
Kodi Ndizofunika Kwambiri Kupewa Kachilombo?
Ambiri oleza mtima ndi odwala akufuula mokweza! Ndithudi, lamuloli lidzapangitsa odwala kuchipatala kukhala otetezeka. Ndipo n'chifukwa chiyani chipatalachi sichiyenera kuchitidwa zolakwa za antchito ake ndikulipira ndalamazo? Ife tidzakhala tikupulumutsa ndalama, nawonso. Ndi lingaliro lalikulu bwanji!
Osati mofulumira kwambiri . Chenjezo likufunika chifukwa si lophweka ngati likuwoneka.
Vuto loyamba ndi ili. Chifukwa chakuti chochitika chosachitikacho chiri ndi dzina limenelo, sizikutanthauza kuti sizichitika konse. Odziwa ntchito amatiuza kuti matenda ambiri pa mndandanda samalepheretsedwe, makamaka mavuto monga matenda a bedsores kapena matenda a catheter.
Komanso, zipatala zina zimayesetsa kuti zikhale zosangalatsa monga momwe zilili. Inde, ambiri adzayesa kuthetseratu zochitika zonse zomwe sizingatheke, koma adzayenera kutenga ndalama zomwe zimachitika. Anthu omwe sangakwanitse kuthana ndi mavutowa akhoza kuchoka mu bizinesi. Ena adzalitsa mitengo yomwe ingakhalepo, chifukwa chopereka kwa odwala awo omwe Medicare sichikuphimba.
Odwala anzeru amadziwanso kuti kusintha kwakukulu kumabweretsa zotsatira zosayembekezereka. Ndi mabungwe onse omwe angakhalepo chifukwa cha ndondomeko yatsopanoyi, odwala tikuyenera kukhala tcheru pa mavuto omwe angatipatse ndalama zambiri kapena ngakhale moyo wathu.
Nazi mavuto ena oyenera kuyang'anitsitsa monga momwe ndondomeko ya Medicare Never Event ya 2008 ikukhalira, ndipo monga zipatala zikuyesera kusintha:
- Ma chipatala angafunike kuti odwala ayesedwe bwino asanavomere kuwonetsa ngati ali ndi matenda kapena mavuto ena asanafike. Mayesero owonjezerapo amawononga zochuluka, ndithudi, ndipo ndi njira yokhayo yotetezera. Sipadzakhala phindu kwa wodwalayo.
- Wodwala amene ali ndi kachilomboka kapena wovulala akhoza kumasulidwa mofulumira kwambiri. Ngati akufunika kuti awerenge kachiwiri kenaka, chipatala chidzatha kutsimikizira, kupyolera muzoyezetsa zoonjezerazo, zomwe adafika nazo ndizovuta. Izi zikutanthauza kuti Medicare idzatha kulipira, komabe wodwalayo adzatengedwanso kawiri, adakali wovulala kapena wodwalayo.
- Odwala angadwale mopitirira malire ndi maantibayotiki kuti ateteze matenda, zomwe zimayambitsa kutsutsa, zomwe zimabweretsa zochitika zambiri pambuyo pake za matenda omwe sangathe kuchiritsidwa.
- Odwala angayesedwe kuti aziwonjezera zina zowonjezera zomwe sizikugwiritsidwa ntchito ndi inshuwalansi, komanso zomwe siziyenera kutero.
Ngati chimodzi mwa mavutowa chikukuchitikirani, mudzafuna kuwawuza Medicare. Zidzakhala zikuwoneka ngati tidzakhala ndi njira yodzitetezera. Pamene nthawi ikupitirira ndipo zambiri zimadziwika potsata ndondomekoyi, ndikusunga malo awa Othandizira Odwala.
Kusintha kwa 2012
Pogwiritsa ntchito mankhwala osamalidwa bwino (chithandizo cha mankhwala), zipatala tsopano zikufunika kufufuza ndi kulongosola zokhudzana ndi opirira ndi kukhutira. Uwu ndi mtundu wina wowonetsetsa kuti zipatala ziwonetsere chisamaliro cha odwala awo. Phunzirani zambiri za momwe wodwalayo akufunira komanso kafukufuku wokhutiritsa, kapena phunzirani kukwaniritsa kafukufuku wokhutira wodwalayo pano .