Amarekhodi akho Ezokwelapha Awubumfihlo Kangakanani? Hhayi kakhulu
E-United States, iziguli eziningi zikholelwa ukuthi imithetho ye-Health Insurance Portability and Accountability Act (HIPAA) igcina amarekhodi ethu ezokwelapha ngasese, okwabelwana kuphela odokotela bethu, thina, futhi mhlawumbe othandekayo noma umnakekeli. Kodwa labo abakholelwa ukuthi akulungile!
Eqinisweni, kunabantu abaningi nezinhlangano ezivunyelwe ngokomthetho ukufinyelela amarekhodi ethu ezokwelapha ngezizathu ezihlukahlukene, kungaba ngesicelo noma ngokuthenga.
Kwezinye izimo, sinika imvume yokufinyelela kwabo. Kwabanye, imvume ayidingekile. Kwamanye amacala, sinikeza imvume ngaphandle kokuqaphela ukuthi senze kanjalo.
Futhi-ke kukhona nalabo abafinyelela amarekhodi ethu ngokungemthetho.
Nasi uhlu oluhle lwabantu kanye nezinhlangano ezifinyelela kumarekhodi ethu wezokwelapha njalo, ukuthi zithola kanjani nokuthi kungani zifuna.
Izinhlobo Zokufinyelela Amarekhodi Wezokwelapha
Kunezinhlobo ezimbili ezijwayelekile zamarekhodi wezokwelapha ezabelwana noma ezithengiwe. Uhlobo lokuqala lubizwa ngokuthi irekhodi elibonakalayo elilodwa , eligxile emakhakheni abo - irekhodi egameni lomuntu, odokotela, abathinteli, ukuxilongwa, ukwelashwa, nokuningi. Lona irekhodi esilicelayo uma sifuna ukubuyekeza amarekhodi ethu ezokwelapha ngabanye .
Uhlobo lwesibili lwerekhodi yezokwelapha luya kufomethi ebizwa ngokuthi ihlanganisiwe. Irekhodi lezokwelapha elihlanganisiwe liyi-database yezimfanelo, kodwa alihambisani nomuntu othile nedatha yakhe ethize.
Esikhundleni salokho, amakhulu noma izinkulungwane zamarekhodi ahlanganiswa izinhlu eziningana zokwenza uhlu olulodwa. Leyo nqubo yokuhlola nokudala uhlu ibizwa ngokuthi "ukumbumbelwa kwedatha." Isibonelo, isibhedlela singase sibe nemayini yedatha kuwo wonke amarekhodi weziguli ezinenhliziyo ehamba ngokuhlinzwa. Leyo mininingwane, irekhodi elihlanganisiwe lingase libe namagama angu-100 weziguli, ahlukaniswe nezinhlobo ezingu-25 ezahlukene zomshuwalense, ezadluliselwa odokotela abangu-17 abahlukahlukene bokunakekelwa okuyinhloko, zahlinzwa ngabahlinzeki abahlinzayo abangu-10, futhi zahanjiswa ezikhungweni eziyishumi nambili zokubuyiselwa emuva ukuhlinzwa kwabo.
Lo mbiko ube "ukhonjisiwe," okusho ukuthi awutshela ukuthi yisiphi isiguli esinayo umshwalense, udokotela ohlinzayo, isikhungo sokuqala noma sokuhlala kabusha.
Ubani Okwazi Ukufinyelela Kwezomthetho Kwakho Ngamanye Amarekhodi Ezokwelapha Zomuntu?
- Unelungelo elingokomthetho lamakhophi akho amarekhodi wezokwelapha.
- Othandekayo wakho noma umnakekeli angase abe nelungelo lokuthola amakhophi amarekhodi akho wezokwelapha, futhi, kungadingeka ukuthi unikeze imvume ebhaliwe.
- Abahlinzeki bakho banelungelo lokubona nokwabelana ngamarekhodi akho nanoma ubani omunye owanikeze imvume. Isibonelo, uma udokotela wakho wokunakekelwa okuyinhloko ekutshela ochwepheshe, uzocelwa ukuba usayine ifomu elithi angabelana ngamarekhodi akho nalowo ochwepheshe. Abahlinzeki babhekwa yi-HIPAA ukuba zihlanganiswe izinhlangano. Izinhlangano ezihlanganisiwe zihlanganisa odokotela noma ezinye izisebenzi zezokwelapha, izikhungo ezifana nezibhedlela noma ama-laboratories, amakhaya asebehlengikazi, izikhungo zokuhlala kabusha, bonke abakhokhisi nabahlinzeki bezobuchwepheshe ezifana nezinkampani zemikhakha yezempilo ye-elektroniki ezigcina amarekhodi ezempilo kagesi . Njengamabhizinisi ahlanganisiwe, banemithetho eqinile kakhulu okumelwe bayilandele, futhi lokhu kuhlanganisa ukuthola imvume ebhaliwe evela kuwe ukuze wabelane ngamarekhodi akho.
- Abakhokha bakho banelungelo lokuthola amakhophi futhi basebenzise amarekhodi akho wezokwelapha njengoba kuchazwe emithethweni ye-HIPAA. Izinkampani zomshuwalense, i-Medicare, i-Medicaid, isinxephezelo sabasebenzi, ukukhubazeka kwezenhlalakahle, uMnyango Wezilwane Zomphakathi - noma iyiphi into ekhokhela noma iyiphi ingxenye yezidingo zakho zokunakekelwa kwezempilo ingabuyekeza amarekhodi akho. Lokhu kungabandakanya nomqashi wakho uma umqashi wakho esekela isikhwama sakho sokunakekelwa kwezokwelapha. (Bona okungaphezulu mayelana nokufinyelela komqashi ngezansi.)
- Uhulumeni angaba nelungelo kumarekhodi akho ezokwelapha. Njengoba kukhonjisiwe ngenhla, noma iyiphi inhlangano kahulumeni ekhokhela noma iyiphi ingxenye yezidingo zakho zokunakekelwa kwezempilo ingase ibe nokufinyelela komthetho kumarekhodi akho. Kodwa ezinye izinhlangano zikahulumeni zingase zibe nokufinyelela, futhi. Uma ngabe uhilelekile kunoma yimiphi imisebenzi yomthetho njengomenzi wobugebengu noma isisulu, amarekhodi akho ngabanye angacelwa uma engathinta noma yiziphi izenzo zomthetho. Uma ngabe usengozini yomsebenzi, i-federal Occupational Safety and Health Administration ingabandakanyeka. Uma ukunakekelwa kwakho kwezingane zakho kubuzwa, izinsizakalo zokuvikela izingane zendawo zingase zifune ukubona amarekhodi wezokwelapha wengane yakho.
- Umqashi wakho angase afinyelele amanye amarekhodi akho ezokwelapha, kodwa lokho kufinyeleleka endaweni ethile. Ezimweni eziningi, uzobe unikeze imvume, noma ngabe awuboni.
Imibuzo eminingi mayelana nabaqashi namarekhodi wezokwelapha iqondiswa yiMnyango Wezabasebenzi wase-US noma ngomnyango wezisebenzi zombuso, hhayi ngemithetho ye-HIPAA. Isibonelo, Umthetho WezeMndeni Nezokwelapha ungadinga ukuthi amanye amarekhodi abelwe. Ukufakwa koMthetho Wokukhubazeka KweMelika kungase kusho ukuthi amarekhodi akho angabonwa ngumqashi wakho noma ngumqashi ongase akwazi ukukunikeza umsebenzi. Amacala abasebenza abasebenza angavumela abaqashi ukuba bazi okungaphezu kwalokho ufisa ukuthi bakwenzile. Ukuhluleka ukudlulisa ukuhlolwa kwezidakamizwa kungavumela ukufinyelela komqashi. Uma ugula isikhathi eside, umqashi wakho angakubuza isizathu sokudokotela, okuyinto irekhodi. Izinhlelo zokusiza zabasebenzi zingathinta nokunakekela impilo yakho; kulabo abaqashi abazixhaswa ngemali (okusho ukuthi bankulu kakhulu ukuthi baphathe yonke umshuwalense wezempilo ngokwabo), imigqa ingase ihlukane phakathi komqashi wakho njengomkhokhi wakho nomqashi wakho njengomqashi wakho.
- I- Medical Information Bureau ingaba nerekhodi elilodwa kuwe futhi ayihambisani nemithetho ye-HIPAA.
- Idatha yolwazi olunemininingwane efana ne-IntelliScript (Milliman) ne-MedPoint (Ingenix) cishe izoba namarekhodi agciniwe yedatha kuzo zonke izidakamizwa zemithi oyithengile eminyakeni emihlanu noma ngaphezulu eyedlule. Lolu lwazi luvame ukusetshenziswa ngumshuwalense wokuphila noma izinkampani zomshuwalense wokukhubazeka ukuze unqume noma ngabe ngeke zikuthengise umshwalense.
Indlela Amarekhodi Ezokwelapha Zakho Angatholakala Ngayo Iphutha
- Abaqaphi: Sifunda ezindabeni cishe nsuku zonke mayelana nabaduni abaye bathola ukufinyelela ezinkulungwaneni zamarekhodi ezizimele, kungakhathaliseki ukuthi amarekhodi ezempilo, amarekhodi ekhadi lesikweletu noma eminye imithombo yolwazi. Ulwazi lwezokwelapha luyisisekelo esiyinhloko ngoba amasela enza imali eningi kusuka ekutshontsheni kwezokwelapha . Ababheki amarekhodi womuntu othile; Esikhundleni salokho, bafuna amarekhodi amaningi ngangokunokwenzeka, nakuba kungabalwa. Kuyinto engekho emthethweni, yebo, kodwa kwenzeka njalo njalo.
- Ukufinyelela okungekho emthethweni okufinyelelekile : Olunye uhlobo olungekho emthethweni lokufinyelela lungase luhloswe kumarekhodi womuntu othile. Ibhizinisi lingakhokha umuntu ngaphansi kwetafula ukuze athole irekhodi lezokwelapha lomsebenzi, noma oshade naye oshade naye ngokushesha angase afune ulwazi kulowo ahlukanisa naye. Sizwa ezindabeni mayelana nabadumile abarekhodi babo bezokwelapha ababiwe njalo.
- Ukuvuza okungavamile : Kunezinye izindlela ulwazi lwethu lwezokwelapha oluzimele lungase lube ngumphakathi ngaphandle kokuziqhenya, nakuba lokho kungenza kube kubi kakhulu. Umshini wokukopisha oqashisiwe ehhovisi likadokotela ubuyiselwa enkampanini yokuqashisa ngezinkulungwane zamarekhodi wezokwelapha ephepheni ememori yayo. Into efanayo ingenzeka ngezinkinobho ezinzima zekhompuyutha ezihlulekile. Kodwa ngenxa yokuthi amashayela asebenzi naleyo khompiyutha asisasho ukuthi umuntu akakwazi ukubuyisa idatha.
- Ukunikeza Ulwazi Ngokuphathelene Nethu : Futhi ngezinye izikhathi empeleni sinikeza zonke izinhlobo zolwazi ngathi ngokwethu ngaphandle kokuqaphela lokho esikwenzayo. Uma sibheka ku-intanethi, amawebhusayithi amaningi atshale izingcezu zekhodi kumakhompyutha ethu, okuthiwa "amakhukhi," bese usebenzisa leyo datha ukubasiza ukuba benze imali. Noma mhlawumbe uyala amadivaysi ezokwelapha (njenge-cuff blood pressure noma i-pair of crutches) noma izidakamizwa ezingaphezu kwamakhompiyutha noma ngisho nolwazi (bona uJohn Hopkins White Papers ) esivumela izinhlangano ukuba zikwazi ukuthi ziyini izinkinga zakho zezokwelapha nokuthi usetshenzisweni ngolwazi lwezokwelapha.
- Imininingwane Yakho Yokuthenga: Ingabe usebenzisa ikhadi lomvuzo wokuthembeka ? Lokhu kunikeza ulwazi oluthe xaxa kunokuba ungacabange, hhayi kuphela ngokudla oyidlayo - noma ungadli - kodwa futhi nangomunye ukuthenga okwenzayo kuleso sitolo, ikakhulukazi uma benomshini wokwelapha izidakamizwa.
Ubani Ofinyeleleka Nokusebenzisa Amarekhodi Ezokwelapha Ezihlukene?
Uma amarekhodi ethu ehlanganiswa ngendlela ehlanganisiwe, angasetshenziswa ngezizathu ezihlukahlukene. Kungakhathaliseki ukuthi, lezi zinhlangano zinelungelo lokuhlanganisa imininingwane futhi yabelane noma zithengise, uma nje zihlonziwe.
- Ucwaningo: Idatha ehlanganisiwe ingasetshenziswa ekucwaningweni. Iziphetho ezifinyelelwe ngokusebenzisa idatha zingasiza iziguli zesikhathi esizayo.
- Ukuthengisa Idatha : Ngezinye izikhathi izibhedlela kanye nezinye izinto ezihlanganisiwe zizodayisa idatha yabo ehlanganisiwe. Isibhedlela sithengisa idatha yayo mayelana neziguli eziyinkulungwane ezahlinzwa ngemuva kwenkampani edayisa izihlalo zabakhubazekile. Ikhemisi lidayisa idatha yalo mayelana namakhasimende ayo angu-5 000 agcwalisa imithi ye-cholesterol yezidakamizwa esikhungweni senhliziyo yasendaweni. Idatha ehlanganisiwe isetshenziselwa izinjongo zokumaketha ngezindlela eziningi kakhulu ukuba zingabhaliswa, futhi ingumthombo omkhulu wenzuzo yezinhlangano eziningi ezisebenza neziguli.
- Ukwehlisa nokuxhaswa kwezimali: Izinhlangano ezingenzi nzuzo nezinzuzo zingasebenzisa idatha ehlanganisiwe ukuze ibasize ekufinyeleleni imali ekuxhaseni imali. Izinhlangano zendawo zingenza ithimba nezibhedlela noma ezinye izikhungo ezihlanganisa imininingwane yazo. Izinhlangano zombuso, zikazwelonke noma zomhlaba wonke zithola ezinye izindlela zokufinyelela le datha ehlangene, futhi. Yiqiniso, sithola ezincwadini zabo zokuqoqa imali lapho sithatha isithakazelo esiyimbangela yabo, okusho ukuthi bangahlanganisa idatha yabo siqu ukuze bathengise kwenye inhlangano efuna ukwazi ukuthi sithande isithakazelo.
- I-FICO, inkampani eveza izikolo zesikolodo, isiqalile ukukhiqiza iziqu zokunamathela kwezidakamizwa. Bathi akulona irekhodi elilodwa, ukuthi liyisabelo nje senombolo. Inombolo yabo empeleni isahlulelo esakhiwe ngokusebenzisa enye idatha ehlanganisiwe njengendawo ohlala kuyo nemoto oyidonselayo (phakathi kwezinye izici) ukunquma ukuthi kufanele uthathe kanjani imithi oyimisiwe.
Akungabazeki ukuthi kunezindlela eziningi zokusebenzisa idatha yezokwelapha ezihlanganisiwe. Lolu hlu olufushane luyisiqalo sokukunika umqondo wezindlela izindlela ezihlanganisiwe ezingasetshenziswa.