Pangakhale Nthawi Yomwe Kumene Mungapeze Njira Zogwiritsira Ntchito Ndizofunika
Wopezeka kunja kwawotchi ndi mmodzi yemwe sanachite mgwirizano ndi kampani yanu ya inshuwalansi chifukwa chobwezera ndalama pamtengo wogwirizana. Zolinga zina zaumoyo, monga ma HMO , sizibwezeretsanso anthu omwe amatuluka kunja, omwe amatanthauza kuti monga wodwala, mutha kukhala ndi udindo wa ndalama zonse zomwe dokotala wanu amakupatsa. Zolinga zina zaumoyo zimapereka chithandizo kwa otsogolera omwe alibe, koma udindo wanu wodwala ukhoza kukhala wapamwamba kusiyana ndi momwe mungakhalire ngati mukuwona wothandizira pa intaneti.
Zifukwa Zosankha Kusamalidwa kwa Thanzi Labwino
Ngakhale kuti poyamba zingakuwonongereni ndalama zambiri, pangakhale nthawi zina zomwe mungafunike, kapena zogwiritsidwa ntchito, kuti mugwiritse ntchito osowa pa Intaneti.
Nthawi zina simuli ndi mwayi wosankha, kapena ndizomveka kusankha wosamalira chithandizo chamankhwala. M'munsimu muli mndandanda wa zochitika zomwe mungathe kupempha kuti mukhale nawo pa intaneti, kapena zingaperekedwe:
Zoopsa: Mu nthawi yovuta, muyenera kufunafuna thandizo lomwe likupezeka kwambiri. Care Affordable Care Act imafuna inshuwalansi kuti iwononge chisamaliro chadzidzidzi monga ngati mu-intaneti, mosasamala kanthu kuti chithandizo chodzidzimutsa chikupezeka pa-network kapena kunja-network. Komabe, chipinda chodzidzimutsa cha kunja-network ndi madokotala angakhoze kukutumizirani ndalama , ndipo ndalama zowonjezera sizongowonjezeredwa ndi ACA (ngakhale kuti zina mwaziletsa ). Ngati sizowopsa, ulendo wanu sungagwiritsidwe ntchito ngati chithandizo chamagetsi; Muyenera kupita kwa wothandizira.
Chisamaliro chapadera: Ngati muli ndi matenda osakwanira omwe palibe katswiri wopezeka mu dongosolo lanu, kusamalidwa kwapathengo kungakhale kofunikira.
Othandizira osintha angasokoneze thanzi lanu: Ngati muli pakati pa mankhwala okhudzana ndi mavuto aakulu, ndipo amene akupereka akuchoka pa intaneti, zingakhale zofuna kuti mupitirizebe kusamala.
Mukhoza kupempha kuti mupitirize kufotokozera, ngati kanthawi kapena maulendo oyendera.
Kusamalira kunja kwa tawuni: Ngati mukufuna thandizo lachipatala ngakhale muli kutali ndi nyumba, mungafunike kuchoka pa intaneti, koma ena a inshuwalansi adzayendera ulendo wanu kwa othandizira omwe sakugwira nawo ntchito ngati kuti ali pa intaneti. Komabe, othandizira pa-network akhoza kupezeka. Ngati sizidzidzidzi, ndibwino kuti muyankhule ndi inshuwalansi yoyamba kuti mudziwe.
Mavuto oyandikana nawo : ACA imafuna inshuwalansi kuti ikhale ndi malo ogwiritsira ntchito malo omwe ali oyenerera pamtunda ndi nthawi yomwe mamembala amayenera kupita kukaonana ndi wothandizira zachipatala, koma zogwirizana ndi zomwe zili zokwanira zikusiyana kuchokera ku mayiko ena. Ngati mumakhala kumidzi ndipo mulibe njira zowonjezera zopezeka kwa anzanu mumzinda mwanu, thanzi lanu likhoza kudalira kugwiritsa ntchito dokotala yemwe sali nawo. Pazochitikazi, mutha kuyipempha kuti mupeze chithandizo kwa wothandizira ena omwe ali kunja kwanu.
Masoka achilengedwe: Madzi osefukira, kufalikira kwa moto, mphepo yamkuntho, ndi mvula yamkuntho ingathe kuwononga zipatala ndikukakamiza anthu kuti achoke kumadera ena omwe ayenera kufunafuna chithandizo chamankhwala. Nthawi zina, odwalawa akhoza kukhala oyenerera pa intaneti ngati gawo la chidziwitso chadzidzidzi ndi boma kapena boma.
Wopezeka kunja kwa wotetezera angatumizebe ngongole
Ndikofunika kuzindikira kuti ngakhale kampani yanu ya inshuwalansi ikugwira ntchito yanu yosamalirana ngati kuti ili mu-network, lamulo la federal silikufuna munthu wothandizira ovomerezeka kuti avomereze kulipira kwa kampani ya inshuwalansi.
Mwachitsanzo, tiyeni tizinena kuti kampani yanu ya inshuwalansi ili ndi mlingo wodalirika wa madola 500 pa njira inayake, ndipo mwakhala mukukumana ndi wanu mu-network deductible. Ndiye mumathera pomwe munthu wina wotuluka kunja akutulutsa njirayi, koma ndi chimodzi mwa zochitika zomwe zafotokozedwa pamwambapa ndipo wanu inshuwalansi akuvomereza kulipira $ 500.
Koma ngati wogulitsa kunja akutulutsa $ 800, akhoza kukutumizirani ndalama za $ 300.
Izi zimatchedwa kulipira ngongole , ndipo ndizovomerezeka ngati wothandizira sali mu intaneti.
Madera ena athandiza nkhaniyi pa zochitika zina, kuphatikizapo Florida (ogwira ntchito kunja kwa ogwira ntchito pazipatala) ndi New York (zochitika zovuta). Koma mobwerezabwereza, kulipira ngongole kumakhalabe vuto pamene odwala amalandira chisamaliro kunja kwa inshuransi yawo.
> Zotsatira:
> Magulu a Medicare ndi Medicaid Services, Center for Information Consumer Information ndi Inshuwalansi. Zosamalidwa bwino Ntchito Yomwe Makhalidwe Otsogolera Akuyikira, Sungani 1. Kutuluka kwa Mapulogalamu Odzidzimutsa a Network.
> Thumba la Commonwealth. Kulipira Ngongole ndi Omwe Amapereka: Kuyesa Kutetezedwa kwa Ogulitsa Padziko Lonse . 2017.
> Urban Institute. Robert Wood Johnson Foundation. Kuonetsetsa Kutsata Malamulo Okwanira Pakompyuta: Zophunzira Kuchokera Kumayiko Anai . March 2017.