Nakuba igama elithi Obamacare liphonsa nxazonke futhi wonke umuntu ubonakala enombono wokuthi ngabe kuhle noma kubi, akuwona wonke umuntu oqonda kahle ukuthi yi-Obamacare.
Ingabe uhlobo lomshwalense wezempilo ongabhalisela njenge-Blue Cross noma i-United Healthcare? Ingabe uhlelo lwe-umshuwalense wezempilo oluhamba nohulumeni olufana ne-Medicare noma i-Medicaid? Ingabe kuyimpoqo yemithi yokwelapha ?
Kuyini Ukuqothula?
Akuyona yalezi zinto.
U-Obamacare uyisidlaliso seqoqo lemithetho yokulungisa ukunakekelwa kwempilo etholakala ku-Protection Patient and Careable Affordable Act. Umthetho Wokunakekelwa Okunenzuzo , i-ACA, i-PPACA, izinguquko zokunakekelwa kwezempilo, kanye ne-Obamacare yonke into efanayo.
Igama elithi Obamacare laqale lisetshenziswe ngabaphikisi be-ajenda yokongamela impilo yeMongameli Obama. Kwakuhloswe ukuba kube yisikhathi sokuhlambalaza. Kodwa, kubanjwe nomphakathi jikelele ngoba kwakulula ukusho nokukhumbuleka okungaphezu kokuguqulwa kwezempilo, uMthetho Wokunakekelwa Kwezezimali, noma iPACACA.
Manje igama elithi Obamacare alisho ukuthi umsebenzisi uphambene nesethi yezinguquko ezitholakala kuMthetho Wokunakekelwa Onganakekelwayo. Empeleni, uMongameli Obama umemezele ukuthi uyathanda igama elithi Obamacare; uyayikhathalela.
Ungabhalisa ku-Obamacare?
Njengoba i-Obamacare iyiqoqo lemithetho nemithethonqubo, awukwazi ukubhalisa ku-Obamacare ngokungaphezu kwalokho ongayibhalisa kwi-United States Tax Tax Code.
Kodwa-ke, inkulumo ebhalise ku-Obamacare iye yafika ngokuzenzekelayo ukuthi isayinele umshuwalense wezempilo ngokusebenzisa ukushintshaniswa komshuwalense wezempilo owadalwa yi-Care Affordable Act. Ukubhalisa ku-Obamacare kungenzeka noma akusho ukuthi uzothola usizo lukahulumeni lokukhokhela umshuwalense wezempilo njengemali yesibonelelo somshuwalense wezempilo wesikweletu sentelamende.
Ingabe Umshwalense WezeMpilo Uthengwe Ngomshwalense Wempilo Yomshuwalense WezeMpilo?
Uhlobo, kodwa hhayi ncamashi.
Zonke izinqubomgomo zomshuwalense wezempilo ezithengiswa ngemishini yomshuwalense wezempilo yizinqubomgomo ezithengiswa izinkampani zomshuwalense wangasese . Isibonelo, ungathenga inqubomgomo yomshuwalense wezempilo kusuka kuKaiser, Aetna, noma kwezeMpilo Net kuye ngokuthi yiziphi izinqumo zezempilo ezitholakalayo ngokusebenzisa ukushintshwa komshuwalense wezempilo. Njengoba engekho inkampani yomshuwalense wezempilo ogama lakhe lingu-Obamacare, awukwazi ngempela ukuthenga umshwalense wezempilo wakwa-Obamacare njengoba ungathenga inqubomgomo yomshuwalense we-Blue Cross.
Kodwa-ke, zonke izinqubomgomo zomshuwalense wezempilo ezitholakalayo ngokusebenzisa ukushintshaniswa komshuwalense wezempilo zihambisana nemithetho yokuguqulwa kwezempilo ezitholakala kuMthetho Wokunakekelwa Kwezezimali. Isibonelo, bonke banikezela ukukhokhelwa kwezinzuzo eziyisisekelo zezempilo eziyi-10. Lokhu kuyiqiniso nanoma yikuphi izinhlelo ezinkulu zomshuwalense wezempilo wezokwelapha ezithengiswa ngaphandle kwezingxoxo -uma nje ziqala ukusebenza ngoJanuwari 2014 noma kamuva, lezo zihambisana ngokugcwele noMthetho Wokunakekelwa Ongenakusiza.
Ngakho-ke, ngaleyo ndlela, yonke le mibandela yomshuwalense wezempilo yangasese ingabhekwa njengomshuwalense we-Obamacare njengoba ihambisana nokuguqulwa kwe-Care Affordable Act, ihlanganisa izinzuzo zezempilo ezidingekayo eziyishumi, futhi inikeze inani elincane elincane.
Kodwa-ke, akuzona umshuwalense we-Obamacare, abakwaKaiser, Aetna, UnitedHealthCare, noma ngabe yimuphi inkampani yomshuwalense wezempilo yangasese edayise leyo nqubomgomo yomshwalense wempilo.
Uma othile ekutshela ukuthi unomshwalense we-Obamacare, awukwazi ukutshela ukuthi unjani umshuwalense onawo ngaphandle kokuthola ulwazi oluthe xaxa. Cishe uphephile ukuthi ucabange ukuthi unemshwalense yempilo yomphakathi ehlanganisa izinzuzo eziyisisekelo zezempilo eziyishumi futhi ihambisana nazo zonke izidingo zoMthetho Wokunakekelwa Ongenakusiza. Kungenzeka ukuthi bathole inqubomgomo yabo yomshuwalense ngokusebenzisa ukushintshwa komshuwalense wezempilo. Ngaphandle kwalokhu, uzodinga ulwazi oluthe xaxa ukuze wazi kahle uhlobo luni lomshwalense wezempilo abanayo.
Ingabe Kunomshwalense WezeMpilo Ongadingeki Ulandele Imithetho Ye-Obamacare?
Ezinye izinhlelo zezempilo akudingeki ukuba zilandele yonke imithetho yokulungisa ukunakekelwa kwempilo etholakala eMnyangweni Wokunakekelwa Onganakekelwayo. Umshuwalense wezempilo wesikhathi esifushane , umshuwalense wezempilo owengeziwe , kanye nezinhlelo zezempilo ezithandwa kakhulu phakathi kwazo.
Izinhlelo zezempilo ezindala ziyizinhlelo zezempilo noma izinqubomgomo ngabanye ezazikhona lapho uMthetho Wokunakekelwa Ongathintekayo ube ngumthetho ngo-Mashi 23, 2010. Nakuba kufanele balandele imithetho ethile yokulungisa impilo, izinhlelo ezingenasiphelo zempilo akufanele zinikele zonke ukuvikelwa okutholakala ezinhlelweni zempilo ezintsha. Isibonelo, akudingeki ukuba banikeze ukunakekelwa kwamahhala okuvimbela noma ukulawulwa kwamahhala okukhululekile , futhi bangakukhokhisa ngaphezulu uma uya ekamelweni eliphuthumayo elingekho kwinethiwekhi yabo yomhlinzeki . Izinqubomgomo zomshuwalense wezempilo omuntu ngamunye (uhlobo oluthola wena ngokwakho, kunomqashi) lungasebenzisa imingcele yomsebenzi wonyaka, ukwenqaba ukukhokha ngaphezulu uma bakhokhele inani elibekiwe elibhekele izindleko zokunakekelwa kwezempilo ngonyaka.
Kodwa-ke, uma uhlelo oluhle lwaba neningi lwenza izinguquko eziningi, luzolahlekelwa isimo sawo obuningi futhi kufanele luhambisane nazo zonke izinyathelo zokulungisa umthetho. Isibonelo, uma uhlelo oluhle lwabazali lukhulisa kakhulu ama- copay noma ama-coinsurance rates noma i-deductible, lizolahlekelwa isimo esikhulu. Kuzolahlekelwa futhi isimo esikhulu uma sichitha izinzuzo.
Amalungiselelo ezempilo omkhulu nawo akhululwe emithethweni eminingi ye-Care Act, nakuba azovunyelwa kuphela ukuba aqhubeke esebenzayo ekupheleni kuka-2017. Lawa awaziwa ngokuthi amapulani esiteshini. Babengekho ilungiselelo kubo emthethweni wokulungisa isimo sezempilo, kodwa baba khona lapho uhulumeni evuma ukuwavumela ukuba adlulisele ngo-2014 ngomzamo wokuqeda amandla okukhansela ngasekupheleni kuka-2013. Baye banikezwa izandiso ezimbili ezengeziwe, ukuvumela ukuba baqhubeke nokusebenza ngo-2017, uma abathintekayo nabathwali bevuma ukuvumela ukuba bavuselele (iningi lamazwe lisabenza bavuselele kusukela ngasekupheleni kuka-2016).
Zombili amapulani amakhulu nezikhulu azisekho ukuthenga. Kodwa uma usenayo eyodwa, ungayigcina uma nje inikezwa yithwali yakho yenethiwekhi. Futhi uma umqashi wakho enesinye, ungabhalisa ekubhaliseni uma ufaneleka.
Kuthiwani Uma Umuntu Ezama Ukungithengisa Umshwalense We-Obamacare?
Qaphela kakhulu uma othile ezama ukukuthengisa umshuwalense we-Obamacare noma ubhalisele i-Obamacare. Nakuba bebengase basebenzise igama elithi "bhalisa ku-Obamacare" ngokungaqondile ukusho ukuthi "thola umshuwalense wezempilo ngokusebenzisa ukushintshaniswa komshuwalense wezempilo," bangase babe umculi wokuzama ukuthengisa into engekho.
Uma ufuna ukubhalisa ku-Obamacare, kufanele uxhumane nomshwalense wezempilo wombuso wakho wombuso ngokuqondile. Lapho uzokwazi ukukhetha kusuka ezinhlobonhlobo zezempilo eziningi ezinokuthenjelwa-Zokunakekelwa-Zomthetho- ezithengiswayo ezithengiswa ngabashuwalense bezempilo ezizimele ngokuncintisana ngqo. Uzokwazi ukuthi uthola yini inqubomgomo yomshuwalense wezempilo kusukela ekushintshaneni kuhloswe kokubili inqubomgomo kanye nenkampani yomshuwalense wezempilo ukuyithengisa ngaphambi kokuba uyivumele ukuba ibhalwe ohlwini lokushintshaniswa.
Ukushintshaniswa komshuwalense wezempilo wakho wombuso futhi lapho ucela khona usizo lokukhokhela umshuwalense wezempilo. Yindawo kuphela ongayithenga ngayo umshuwalense wezempilo usebenzisa izinsizakalo zomshuwalense wezempilo kahulumeni. Kukhona ukushintshaniswa okusemthethweni kuphela kwesifundazwe ngasinye, ngakho-ke qaphela amawebhusayithi afana nokubukeka. Thola ukuthi ungaxhumana kanjani nomshwalense wezempilo wombuso wakho.
Ungafunda kabanzi mayelana nokuthi abaculi be-con bazama kanjani ukukhipha abantu ngokuthengisa umshwalense we-Obamacare wenkohliso e-" Imithwalo Yesikhwama Sokunakekelwa KwezeMpilo Ekhokhelwayo (Affordable Care Act) " kwi-website ye-Patient Empowerment website.
Usalokhu Udidekile Ngokuqondene Nalokho Okushiwo Ukuqanjwa Kwento?
Ngisho noma manje uyazi ukuthi i-Obamacare yiyona nje igama elibambekayo lemithetho yokulungisa ukunakekelwa kwezempilo ye-Care Affordable Care Act, ingahle idideke lapho abantu basebenzisa imishwana efana "yokungena ku-Obamacare".
Ngenxa yokuthi ulimi luyashintsha ngokuhamba kwesikhathi futhi i-Obamacare liyigama elisha, indlela esisebenzisa ngayo igama iguquke kanye nezinyathelo zokulungisa ukunakekelwa kwempilo. Kuzoqhubeka nokushintsha eminyakeni embalwa elandelayo, futhi singathola ukuthi sinezinye izindlela ezengeziwe zokuphendula umbuzo othi, "Yini i-Obamacare?" Iminyaka eyishumi kusukela manje.
Ngesikhathi esifanayo, uma othile ebhekisela ku-Obamacare ngendlela engenangqondo kuwe, ungesabi ukucela ukucaciswa.
Kubuyekezwe nguLouise Norris.
> Imithombo:
> Healthcare.gov. Funda uMthetho Wokunakekelwa Onganakekelwayo.