Kungani i-Medicaid igcwaliswa ukugcina
I-medicaid iyisimo sombuso esihlangene nesisemthethweni esiza nezindleko zezokwelapha zabantu abanemali elinganiselwe. Abamukeli be-Medicaid bafaka abantu abadala abanezinzuzo eziphansi, izingane, nabantu ngabanye abanezinhlobo ezithile zokukhubazeka. Ngenkathi abantu abaningi abathola izinzuzo zeMedicaid bengenawo omunye umshuwalense, kukhona nalabo abanomunye umkhokhisi womshuwalense, njengomshwalense oxhaswe ngumqashi noma uMedare , ngaphezu kwe-Medicaid.
Uma omunye okhokhayo ekhona, khona-ke i-Medicaid ihlale ikhokha isenzo sokugcina. Lokhu kusho ukuthi iMedicaid ihlale ikhokha ekugcineni lapho omunye umshuwalense ukhona. Lokhu kubizwa nangokuthi inkokhelo yeqembu lesithathu (TPL), nomunye umkhokheli abe yinkampani yesithathu ebophezelekile. Amanye amaqembu amabili kukhona isiguli kanye neMedicaid.
Umshuwalense oyinhloko - Ukuzibophezela kweThathu kanye neMedicaid
Ihhovisi lezokwelapha noma omunye umhlinzeki wezempilo uyokwazi ukukhokhela i-Medicaid yokubuyisela izinsizakalo. Lokhu kungabangela ekuphikeleni kubuyiselwe kumhlinzeki ewacebisa ukuba akhokhele umshuwalense oyinhloko. Lokhu kwenzeka ngoba i-Medicaid inefayela lapho umamukeli enomunye umshuwalense.
Abamukeli kuyadingeka ukuthi bahlale benolwazi mayelana nolwazi lomshuwalense wezempilo. Abahlinzeki nabo banomthwalo wokwazisa i-Medicaid yomshuwalense wesithathu abathola ngakho, kanye nokwazisa i-Medicaid nganoma yiziphi izinkokhelo zomphakathi ezitholayo egameni lomamukeli.
Isibonelo, ihhovisi likadokotela libuza isiguli ngokuvakashelwa ngalunye ukuzobhala abahlinzeki bomshuwalense wezempilo abangakwazi ukumboza isimangalo sabo. Uma isiguli siphendula ukuthi sibhalisele i-Acme Health Care, lokhu kubikwa ku-Medicaid. Ihhovisi lodokotela kufanele lithumele isimangalo ku-Acme hhayi ku-Medicaid.
Izikhungo ze-State Medicaid ziyadingeka ukwenqaba izimangalo nomaphi lapho kukhona khona icala lesithathu uma bethola isimangalo ngaphandle kwemibhalo yenkokhelo yokuqala yomshuwalense. Ukwengezwa komshuwalense owengeziwe akugcini nje kuphela ku-Medicare nomshuwalense wezempilo. Iphinde ibhekisele kumshwalense wemfanelo ngenxa yengozi yemoto nokulimala okuhlobene nomsebenzi noma ukugula.
Izinkokhelo ze-Medicaid ne-Liability Party
Uma kwenzeka ukuthi umthwalo wemfanelo wesithathu ukhona, uma iMedicaid ivunyelwe inani lemisebenzi enikeziwe inkulu kunokukhokha kweqembu lesithathu, i-Medicaid izokhokha umehluko kuze kube semali evunyelwe uMedicaid. Kodwa-ke, ezimweni ukuthi ukukhokha komuntu wesithathu kungaphezu kwalokho okuvumela i-Medicaid, i-Medicaid yenza "inkokhelo ye-zero". Lokhu kusho ukuthi umhlinzeki kumele amukele inkokhelo yokuqala yomshuwalense njengenkokhelo ngokugcwele futhi ayikwazi ukulinganisela ukukhokhela isiguli.
Isibonelo, i-Medicaid evunyelwe inani lemali yenqubo ngu-$ 500. Uma umshuwalense wesithathu ekhokhela u-$ 400, i-Medicaid izokhokha imali eyi-$ 100 ezayo. Kodwa-ke, uma umuntu wesithathu ekhokhela u-$ 500 noma ngaphezulu, i-Medicaid izokhipha inkokhelo yenzalo. Le mali ingadingeka ukuthi iphume ephaketheni lesiguli.
Ukulahla Kungasenokwenzeka
Kubalulekile ukukhumbula ukuthi iMedicaid akuyona umshwalense.
I-Medicaid uhlelo olwenza izinkokhelo zezokwelapha egameni lomamukeli. Uma umhlinzeki noma umamukeli ehluleka ukuhambisana nanoma yiziphi izimfuneko zomshuwalense wezempilo eziholela ekukhokheni okuphikisiwe, i-Medicaid ingaphika futhi ngenxa yokungahambisani.
I-medicaid ilawulwa ngokomthetho. Ngakho-ke, isimo ngasinye sinezidingo zayo zokukhokha. Abaqashi kumele baxhumane nohlelo lwe-Medicaid esimweni sabo ukuze bathole ulwazi oluthile lokukhokha.
Qaphela ukuthi i-Medicaid yanda ngaphansi koMthetho Wokunakekelwa Onganakekelwayo , ukushintsha izidingo zokufaneleka kanye nesamba semali eyotholwa yizwe ngalinye. Kodwa-ke, ngo-2016, kwakunamanje angu-19 athi ukhethe ukuphuma kulokhu kwandiswa.