Ovotera ku Colorado adzasankha kulumikizidwa konsekonse mu November
Mu November 2016, Colorado ovotera adzapatsidwa udindo woganiza za tsogolo la inshuwalansi ya umoyo wa boma . N'zosadabwitsa kuti pali mafunso ambiri okhudza zomwe zikufunsidwa ku ColoradoCare - zonse mkati mwa Colorado komanso kuchokera kwa anthu ena omwe akuyang'ana kutsutsana.
Cholemba ichi kuchokera kwa asing'anga a National Health Program (PNHP) ndikuwonetsa chidwi kwa ColoradoCare zomwe zimapindulitsa.
PNHP inanena kuti ColoradoCare sichidzakhala malipiro amodzi, chifukwa ena a Colorado adzakhalabe ndi mapulogalamu a federal (Medicare, VA, Tricare, ndi Indiana Health Services). Izi zikanakhala choncho paliponse pokhapokha pokhapokha pokhapokha olemba malipiro amodzi adzagwiritsidwa ntchito pamtundu wa dziko, chifukwa palibe njira yoti maboma azigwiritsa ntchito ndalama kuti athe kupeza ndalama zomwe zikanagwiritsidwa ntchito pa mapulogalamu (komweko komweko ndi Medicaid, mwachitsanzo, pogwiritsa ntchito 1115 waiver).
Vermont Yalephera Kulipira Pokhapokha
Vermont inali pa njira yogwiritsira ntchito 1332 kuiiver kuti ikwaniritse chithandizo chaumoyo wothandizira oyamba kuyambira 2017, koma inatulutsa pulagi mu December 2014). Colorado State Senatoratrice Irene Aguilar akutsogolera ku ColoradoCare. Malingana ndi Sen. Aguilar, ColoradoCare ili ndi ubwino wina womwe Vermont analipira ndalama imodzi yokhayo inalibe:
- Vermont kale anali ndi chithandizo cholimba cha thanzi, kuphatikizapo kufalikira kwa boma kwa anthu onse akuluakulu omwe ali ndi ndalama zoposa 150% za umphawi - nthawi yayitali ACA isanafike. Vutoli losavomerezeka ku Vermont linali locheperapo kusiyana ndi dziko lonse, ndipo zotsatira za ACA sizinali zofunikira kwambiri ku Vermont monga momwe zilili ndi mayiko ena monga Colorado. ColoradoCare (ndi Vermont omwe amatha kulipira malipiro awo okhaokha) amadalira 1332 waiver kuti apange ndalama zowonjezera kuyendetsa pulogalamuyi - ngati ColoradoCare, boma la federal lidzapereka pafupifupi gawo limodzi mwa magawo atatu a mtengo. Ndalamayi imachokera ku ndalama zomwe zingakhale zitagwiritsidwa ntchito ndi boma la federal kulandira ndalama zothandizira zaumoyo ku Colorado kudzera ku Medicaid, kupereka ndalama zothandizira ndalama, kuchepetsa kugawana mtengo, ndi malipiro ang'onoang'ono a msonkho. Pankhani ya Vermont, zikuwoneka kuti iwo adakayikira momwe angapezere ndalama zambiri kuchokera ku boma la federal ndi 1332. Chofunika kwambiri, kuti ACA ikakhudzidwe kwambiri ndi boma, ndalama zowonjezereka zimakhala ndi 1332 waiver.
- Kuonjezera apo, pulogalamu ya Colorado yolipira imodzi ndi zaka ziwiri za Vermont (ngati kuvomerezedwa ndi omvota, pulogalamu ya Colorado iyenera kuyamba mu 2019, mosiyana ndi 2017). Izi zikutanthauza kuti Colorado wasonkhanitsa deta lenileni monga momwe ndalama zimayendera mu boma pansi pa ACA monga ndalama za Medicaid madola, ndalama zothandizira ndalama, kugwirizanitsa ndalama, ndi ngongole zazing'ono zamalonda. Ndalama zonsezi zikanakhoza kupita ku ColoradoCare pansi pa 1332 waiver. Pochedwa kuchepetsa kukhazikitsa ntchito, Colorado ili ndi deta yeniyeni yomwe ikupezeka pa federal ndalama zomwe zilipo. Zolemba zoyambirira za Vermont zinali zonse, chifukwa adafotokoza ndondomeko yawo isanayambe kuchuluka kwa momwe ACA ikuyambira kukhazikitsa.
- Aguilar adanena kuti creator ColoradoCare anayamba ndi mtengo ndi ntchito kuti kusonyeza zomwe zingachitike kwenikweni ku Colorado. Ku Vermont, wogwira ntchitoyo amawononga ndalama zomwe zinapangidwa kumapeto kwa 2014 (boma lisanayambe kukonza mapulani awo) linakhalapo nthawi yaitali pambuyo poti ndondomeko ya pulogalamu imodzi yokhayo inakhazikitsidwa. Potsirizira pake, adapeza kuti sangakwanitse kulipira pulogalamu yomwe adapanga.
- Aguilar adanenanso kuti Colorado ndipadera poyerekeza ndi dziko la Vermont. Colorado ikuzunguliridwa ndi mayiko okhala ndi anthu ochepa. Wina amene ali ndi ntchito mumzinda wa dera lapafupi sangathe kusamukira ku Colorado kukapeza chithandizo chaumoyo ndikupitirizabe kupita kuntchito yawo, chifukwa sikuti pali malo ambiri omwe ali pafupi ndi malo oyandikana nawo. Malire a Colorado. Kukhalitsa kwa anthu a Colorado komweku kumatanthauza kuti boma liri ndi malonda ochepa kwambiri pazinthu zachipatala kusiyana ndi dziko laling'ono kumpoto chakum'maŵa lomwe lili malire ndi malo akuluakulu monga New York ndi Massachusetts.
ColoradoCare ndi Akuluakulu
Aliyense m'boma adzakumbidwa pansi pa ColoradoCare, ngakhale kuti okalamba adzakhalabe ndi Medicare monga gawo lawo loyamba. Ophunzira a Medicare adzakhalabe ndi udindo wopereka Medicare Part B (chisamaliro chapakati) ndi Part D (malamulo), pokhapokha ngati ali oyenerera ku Medicare ndi Medicaid (chifukwa chachiwiri chikuyenera, chithandizo cha Medicaid chingaperekedwe kuwonjezera pa Medicare, kapena, malinga ndi ndalama, ndalama za Medicaid zingagwiritsidwe ntchito kulipira Medicare Part B ndi D premium).
Mfundo yakuti anthu okalamba omwe ali ndi ndalama zokhomera msonkho adzayenera kulipira msonkho wa ColoradoCare wamtengo wapatali wakhala akufotokozedwa motsutsana ndi ColoradoCare, koma okalamba sangathe kugula nawo Medigap chifukwa ColoradoCare idzagwira ntchito monga mankhwala awo a Medicare.
Chiwerengero cha Medigap premium ku Colorado mu 2015 chinali $ 181 / mwezi, madokotala ochulukirapo ochulukirapo malonda ku malonda a msonkho wa ColoradoCare sizinali zopindulitsa.
Bwanji za kuyenda kunja kwa dziko?
ColoradoCare idzakhala ngati HMO mwa kufalitsa kunja kwa boma; anthu am'dziko la Colorado adzalandira chisamaliro choyenera m'dera la Colorado kuti apeze ndalama za Colorado Colorado.
Zotsatira:
Colorado Care, momwe Idzagwiritsire ntchito.Konzedwa ndi ColoradoCareYes. Inapezeka 12/28/2015.