Ngakhale kuti mawu akuti Obamacare akuthamangitsidwa mozungulira kwambiri ndipo aliyense amawoneka kuti ali ndi lingaliro labwino kapena loipa, siyense amamvetsetsa zomwe Obamacare ali.
Kodi ndi mtundu wa inshuwalansi ya umoyo umene mungathe kulemba ngati Blue Cross kapena United Healthcare? Kodi ndi ndondomeko ya inshuwalansi ya thanzi monga Medicare kapena Medicaid? Kodi ndizovomerezedwa mankhwala ovomerezeka?
Kodi Obamacare N'chiyani?
Izo sizinthu za zinthu izi.
Obamacare ndi dzina lotchulidwira la malamulo othandizira kusamaliranso zaumoyo omwe akupezeka mu Chitetezo cha Odwala ndi Mtengo Wothandizira Odwala. The Affordable Care Act , ACA, PPACA, kusintha kwa chithandizo chamankhwala, ndi Obamacare zonse ziri chimodzimodzi.
Mawu akuti Obamacare poyamba anagwiritsidwa ntchito ndi otsutsana ndi ndondomeko ya chisankho cha Pulezidenti Obama. Idafunika kuti ikhale mawu odzudzula. Koma, idagwidwa ndi anthu ambiri popeza zinali zosavuta kunena komanso zosaiŵalika kusiyana ndi kusintha kwa chithandizo chamankhwala, Chithandizo Chamtengo Wapatali, kapena PPACA.
Tsopano mawu akuti Obamacare sakutanthawuza kuti wogwiritsa ntchitoyo akutsutsana ndi zosinthika zomwe zili mu Affordable Care Act. Ndipotu, Purezidenti Obama adalengeza kuti amakonda mawu akuti Obamacare; iye amasamala.
Kodi Mungalembetse ku Obamacare?
Popeza Obamacare ndi malamulo, simungathe kulembetsa Obamacare mobwerezabwereza kuposa momwe mungathe kulembera mu Code Code ya United States.
Komabe, mawu omwe amalembedwa ku Obamacare afika poyera kuti alembetse inshuwalansi ya umoyo chifukwa cha kusinthanitsa kwa inshuwalansi komwe kumachitika ndi Care Affordable Care Act. Kulembetsa ku Obamacare mwina kapena kungatanthauzenso kulandira thandizo la boma kulipira inshuwalansi ya umoyo monga chithandizo cha inshuwalansi cha msonkho wothandizira msonkho .
Kodi Inshuwalansi ya zaumoyo inagula Kupyolera mu inshuwalansi ya umoyo Inshuwalansi ya Obamacare?
Mtundu wa, koma osati ndendende.
Malingaliro onse a inshuwalansi ya umoyo omwe amagulitsidwa kudzera mu kusinthanitsa kwa inshuwalansi ndi malamulo omwe amagulitsidwa ndi makampani a inshuwalansi. Mwachitsanzo, mungagule inshuwalansi ya zaumoyo kuchokera ku Kaiser, Aetna, kapena Health Net malinga ndi zomwe mukusankha zokhudzana ndi thanzi likupezeka kudzera mu inshuwalansi ya umoyo wanu. Popeza palibe kampani ya inshuwalansi yotchedwa Obamacare, simungagule inshuwalansi ya umoyo wa Obamacare ngati mutagula inshuwalansi ya Blue Cross.
Komabe, inshuwalansi yonse ya inshuwalansi yomwe imapezeka chifukwa cha kusamalidwa kwa inshuwalansi ikutsatira malamulo a chisamaliro cha chithandizo chaumoyo omwe amapezeka mu Affordable Care Act. Mwachitsanzo, onsewa amapereka chithandizo cha 10 zofunika zofunika zaumoyo. Izi ndizowona pazinthu zonse zazikulu za inshuwalansi zamankhwala zomwe zimagulitsidwa kunja kwa kusinthanitsa -pokhapokha ngati zinakhala bwino mu Januwale 2014 kapena mtsogolo, izo zikugwirizana kwambiri ndi Care Affordable Care Act.
Choncho, malingaliro onsewa a inshuwalansi ya umoyo angaganizidwe ngati inshuwalansi ya Obamacare pamene akutsatira ndondomeko ya Care Affordable Care Act, yopezerapo zothandiza 10 zaumoyo zofunika, ndikupereka mtengo wapatali.
Komabe, iwo sali inshuwalansi ya Obamacare, ndi Kaiser, Aetna, UnitedHealthCare, kapena kampani iliyonse ya inshuwalansi yaumagulitsidwe yogulitsa inshuwalansi.
Munthu wina akakuuzani kuti ali ndi inshuwalansi ya Obamacare, simungadziwe mtundu wa inshuwalansi omwe ali nawo popanda kupeza zambiri. Muli otetezeka kuganiza kuti ali ndi inshuwalansi ya umoyo yomwe imapindula ndi zofunikira zaumoyo 10 ndipo zimagwirizana ndi zofunikira zonse za Care Affordable Care Act. Angakhale atalandira inshuwalansi yawo kudzera mu inshuwalansi ya umoyo. Pambuyo pake, mudzafunikira zambiri kuti mudziwe mtundu wa inshuwalansi ya umoyo umene ali nayo.
Kodi Pali Inshuwalansi ya Zaumoyo Yomwe Sitiyenera Kutsatira Malamulo a Obamacare?
Zolinga zina zathanzi siziyenera kutsata malamulo onse othandizira kusamalira chithandizo omwe amapezeka mu Chithandizo cha Care Care. Inshuwalansi ya nthawi yayitali , inshuwaransi yothandizira , komanso mapulani a zaumoyo omwe ali nawo.
Ndondomeko za umoyo wa agogo ndizo zothandizira zaumoyo kapena ndondomeko yaumwini yomwe idalipo pamene Wopindulitsa Care Act anakhala lamulo pa Marichi 23, 2010. Ngakhale kuti ayenela kutsata malamulo ena othandizira kusamalira thanzi, mapulani a thanzi la abambo ambiri sakuyenera kupereka zonse chitetezo chopezeka mu mapulani atsopano azaumoyo. Mwachitsanzo, sasowa kupereka chithandizo chamankhwala aufulu kapena kuteteza kwaufulu , ndipo akhoza kukulipirani zambiri ngati mupita ku chipinda chodzidzimutsa chimene sichimagwiritsa ntchito chithandizo chawo. Makolo ambiri a inshuwalansi a umoyo (mtundu womwe mumapeza nokha, osati kudzera mwa abwana) ukhoza kugwiritsanso ntchito malire a pachaka, kukana kubwezera zambiri pokhapokha atapereka ndalama zowonjezera zowonjezera ndalama zomwe mumalandira pa chaka.
Komabe, ngati abambo amatha kupanga mapulani ochuluka kwambiri, adzataya mkhalidwe wawo wamtunduwu ndipo ayenera kutsata ndondomeko zonse za malamulo. Mwachitsanzo, ngati abambo omwe ali ndi abambo ambiri amawonjezera ndalama zawo kapena ndalama zothandizira ndalama, zidzatayika kwambiri. Zidzakhalanso ndi ubwino waukulu ngati zidzataya phindu.
Ndondomeko zamaganizo zokhudzana ndi thanzi labwino zimakhalanso zosavomerezeka ndi malamulo ambiri a Care Act, ngakhale kuti adzaloledwa kukhalabe ogwira ntchito kumapeto kwa chaka cha 2017. Izi zimadziwikanso ngati ndondomeko yachangu. Panalibenso gawo kwa iwo mu lamulo lokonza chisamaliro cha thanzi, koma linakhalapo pamene boma linavomereza kuti lilolere m'chaka cha 2014 pofuna kuyesa kuthetsa chisankho pakukonza ndondomeko kumapeto kwa chaka cha 2013. Iwo adalandira zopititsa zina ziwiri, kuwalola kuti apitirize kugwira ntchito kudzera mu 2017, ngati olemba ndi othandizira amavomereza kuti alole kuti atsitsirenso (maiko ambiri akuwalola kuti atsitsirenso kumapeto kwa 2016).
Onse omwe agogo aakazi ndi mapulani omwe sakhala nawo akugulanso. Koma ngati mudakali nalo, mungathe kusunga ilo malinga ngati likuperekedwa ndi wonyamula katundu wanu. Ndipo ngati abwana anu ali nawo, mungathe kulembetsa pazomwe mukuyenera.
Bwanji ngati Wina Akuyesera Kuti andigulitse Inshuwalansi ya Obamacare?
Samalani kwambiri ngati wina akuyesera kukugulitsani inshuwalansi ya Obamacare kapena kukulembera Obamacare. Ngakhale iwo angagwiritse ntchito mawu akuti "kulembetsa ku Obamacare" mwaulere kutanthawuza "kugula inshuwalansi ya umoyo mu inshuwalansi ya umoyo wanu," angakhalenso katswiri woyesera akuyesera kukugulitsani chinthu chomwe sichikupezeka.
Ngati mukufuna kulembetsa ku Obamacare, muyenera kulumikizana ndi inshuwalansi ya umoyo wanu. Kumeneko mudzatha kusankha kuchokera kuzinthu zosiyana-siyana zothandizira pazinthu zothandizira, zomwe zimagulitsidwa ndi athandizi a zaumoyo pampikisano mwachindunji wina ndi mzake. Mudzadziwa zomwe mukupeza ndi ndondomeko ya inshuwalansi yotsimikizirika kuyambira mutengapo mbali ndikuyesa ndondomeko yonseyo ndi kampani ya inshuwalansi yogulitsa inshuwalansi musanalole kuti ikhale yotsatizana.
Bungwe lanu la inshuwalansi ya umoyo ndi komwe mumapempha thandizo kuti muthe kulipira inshuwalansi ya umoyo. Ndi malo okha omwe mungagule inshuwalansi ya umoyo pogwiritsa ntchito chithandizo cha inshuwalansi ya umoyo wa boma. Pali kusintha kokha kovomerezeka mu boma lililonse, choncho samalani ndi mawebusaiti ofanana. Pezani momwe mungalumikizire inshuwalansi ya umoyo wanu wa boma.
Mukhoza kudziwa zambiri za momwe ojambula amayesera kuchotseratu anthu mwa kugulitsa inshuwalansi ya Obamacare yowonjezera mu intaneti ya " Affordable Care Act (Obamacare) ".
Anasokonezekabe Zambiri Zomwe Zimalankhula Zomwe Zimatanthauza?
Ngakhale panopa mukudziwa kuti Obamacare ndi dzina lokha lokha lokha la malamulo othandizira kuti asamangidwe bwino.
Chifukwa chakuti chilankhulo chimasintha pakapita nthawi ndipo Obamacare ndi mawu atsopano, momwe timagwiritsira ntchito mawu akusinthika pamodzi ndi ndondomeko zothandizira kusamalira. Zidzatha kusintha zaka zingapo zotsatira, ndipo tingapeze kuti tili ndi njira zowonjezera zowonjezera funso, "Obamacare ndi chiyani?" Zaka khumi kuchokera pano.
Pakalipano, ngati wina akunena za Obamacare mwanjira yomwe ilibe yanzeru kwa inu, musawope kufunsa kufotokozera.
Kusinthidwa ndi Louise Norris.
> Zotsatira:
> Healthcare.gov. Werengani Yopanda Thandizo Labwino.