Izinsiza Zokunakekela Ukukhulelwa Okungabizi kahle noMshuwalense Wokubeletha
Uma ukhulelwe futhi ungenayo umshuwalense wezempilo, cishe uzizwa usengozini futhi ukhululekile. Nakuba izinhlelo zomshuwalense wezempilo ezifaka phakathi kokubeletha kokubeletha zitholakala ngezingxoxo zomshuwalense wezempilo we-Affordable Care Act, ungabhalisa kuphela kulawo macebo ngesikhathi sokubhalisa okuvulekile .
Uma ukhulelwe ngesikhathi sokubhalisa okuvulekile, ungabhalisela uhlelo oluzosebenza ngonyaka ozayo.
Wonke amacebo amasha adingeka ukuba abe nezinzuzo zokubeletha ngaphansi kwe-ACA, nemibandela ekhona-kuhlanganise nokukhulelwa-ayisona isithiyo.
Kodwa uma uzithola ungaqinisekisiwe futhi ukhulelwe ekuqaleni konyaka, emva kokubhalisa okuvulekile sekuphelile kodwa ezinyangeni eziningi ngaphambi kokuqala kokubhaliswa okuvulekile konyaka ozayo, izimo ezithile zizokunika elinye ithuba lokubhalisa. Bheka: " Nganginakho ukubhaliswa kokubhalisa okuvulekile. Kwenzekani manje? "
Nakuba abanye besifazane abakhulelwe bangase bakwazi ukuthola isikhathi sokubhalisa esikhethekile ngenxa yezenzakalo ezifanelekayo , ukukhulelwa ngokwawo akuyona into efanelekayo . Kodwa kukhona okuhlukile eNew York. Umthetho wenziwa ngo-2015 (osebenza ngoJanuwari 2016) eNew York ukukhulelwa isenzakalo esifanelekayo sezinhlelo ezithengiwe nge-exchange-run exchange, eNew York State Health. Lokhu kusho ukuthi owesifazane okhulelwe eNew York angakwazi ukubhalisa kokuqala okokuqala, noma ushintshele ohlelweni oluhlukile uma ekhulelwa.
I-New York yiyona kuphela yombuso onokuhlinzekwa okunjalo. Kulo lonke izwe, ukukhulelwa akuyona into efanelekayo.
Okulandelayo ngezansi kukhona okunye ongakhetha kukho uma udinga umshuwalense wokubeletha manje, uma ungakufaneleki umshwalense nge- Obamacare , noma uma ulinde kuze kube sekubhaleni okulandelayo okuvulekile ukuze uthole uhlelo lwe-Obamacare, kodwa udinga ukunakekelwa kokubeletha ngaphambi kwalokho.
Umnyango Wezempilo Wendawo
Isitoreji sakho sokuqala kufanele sibe uMnyango Wezempilo Wendawo. Iminyango eminingi yempilo yomphakathi inikeza ukunakekelwa kokubeletha. Ngokujwayelekile, lezi zinsizakalo zikhawulelwe kubantu abaphansi, kepha uma ungahlangabezane nenqubo yokuthola imali, bangakwazi ukuhlinzeka ngolwazi oluthe xaxa kwezinye izinsiza ezitholakala endaweni yakini. Sebenzisa leli thuluzi ukuthola uMnyango Wezempilo Wendawo.
Isikhungo sempilo yomphakathi
Amasevisi ezempilo yomphakathi anikeza ukunakekelwa okungabizi kubantu abanokufinyelela okulinganiselwe ekunakekelweni kwezempilo. Nakuba benganikezeli umshuwalense wokubeletha, banikeza ukunakekelwa okuphelele kokuqala nokubeletha ngezindleko ezixhomeke kwimali engenayo kanye nekhono lokukhokha. Njengoba kungeyona yonke imiphakathi enayo eyodwa, hlola ukuze ubone ukuthi kukhona isikhungo sezempilo somphakathi esiseduze nawe.
I-Medicaid
I-Medicaid wuhlelo lukahulumeni oluhlinzeka umshuwalense wezempilo kubantu abahola imali encane. Amazwe ahluke ngokuthi ubani ofanelekayo njengomuntu ongenayo imali encane. Uma ufaneleka, ukutholakala komshuwalense wokubeletha komama kaMedicaid kungabuyiselwa emuva, kufaka ukunakekelwa kokubeletha okutholile ngisho nangaphambi kokufaka isicelo se-Medicaid. Futhi, uma ufanelekile, ingane yakho izovezwa uma izalwa.
Amazinga okufaneleka okukhulunywa nge-Medicaid aphezulu kwabesifazane abakhulelwe kunabo bonke abantu abadala, ngisho nasezifundeni ezingazange zandise i-Medicaid ngaphansi kwe-ACA , abesifazane abakhulelwe bayakufanelekela iMedicaid ngemali engenayo ngenhla yobumpofu (ukufaneleka okuphakathi kwamaphesenti angu-133 ompofu izinga e-Idaho, eLouisana, nase-Oklahoma, ngamaphesenti angu-375 wezinga lobuphofu e-Iowa).
I-Medicaid ivumela ukubhaliswa unyaka wonke ukuze ungabanjwanga isikhathi sokubhalisa esivulekile.
Uhlelo lwe-Insurance Health yezingane
Uhlelo lweNtshuwalense yezeMpilo lwezingane luhlinzekela umshwalense wezempilo ezinganeni ezingaqinisekisiwe, kodwa emazweni ambalwa (Colorado, Missouri, New Jersey, Rhode Island, naseVirginia), futhi inikeza ukuhlinzekwa kwabesifazane abakhulelwe. Nakuba igxile kubantu abangakwazi ukukhokhela umshuwalense wezempilo, izinhlelo ze-CHIP zivumela imali engenayo ngaphezu kwe-Medicaid. Wonke amahlanu kulawo mazwe anemigomo yokufaneleka yamaphesenti angu-200 ebangeni lobuphofu noma ngaphezulu kwabesifazane abakhulelwe ukuze bafanelekele i-CHIP.
Ngisho noma ungafaneleki, ingane yakho ingafaneleka uma izalwa. Njengo-Medicaid, i-CHIP ivumela ukubhaliswa unyaka wonke.
Isikhungo se-Hill-Burton
Kusukela ngoNovemba 2016, kunezibhedlela ezingu-143 nemitholampilo yezempilo ezweni lonke eliphoqelekile ukuhlinzeka ngokunakekelwa kwamahhala noma okuphansi ngoba bamukela izibonelelo noma izikweletu ngaphansi koMthetho we-Hill-Burton. Yiya ehhovisi le-admissions kwelinye lalezi zakhiwo bese ubatshela ukuthi ufuna ukufaka isicelo sokunakekelwa kwe-Hill-Burton mahhala noma okunciphisa izindleko. Uzodinga ukuhlangabezana nezidingo ezingenayo imali engenayo, kodwa akudingeki ukuba ube yisakhamuzi sase-US.
Isikhungo sibophezelekile kuphela ukuba sisebenzise imali esilinganiselwe minyaka yonke ekunakekeleni kwe-Hill-Burton, ngakho kuzomele usebenzise izinsizakalo zabo ngaphambi kwemali yonyaka. Lokhu kufaka amacala okubhedlela, kodwa hhayi ngempela amacala okudokotela ngoba akuyona umshuwalense wokubeletha ngempela; luhlobo lokunakekelwa kosizo.
Izinhlangano Zokunakekelwa Kwezinsizakalo
Izinhlangano ezinjengezinkonzo zamaKatolika nezinkonzo zamaLuthela zinikeza izinhlelo zokusiza abesifazane ngokunakekelwa kokubeletha. Izinsizakalo ziyahlukahluka ngendawo. Izinsizakalo eziyisisekelo zifaka ukwelulekwa nokudluliselwa. Kodwa, ezinye izindawo zinikeza izinsizakalo ezinzulu njengezindlu zokubeletha ezinikezela ukunakekelwa kokubeletha kwamahhala, ukunakekelwa kokuthutha, ukufundela izingane, namakamelo kanye nebhodi. Okungenani, bazokufundisa ngalokho ezinye izinsiza ezitholakala endaweni yangakini.
Ukubambisana Kwabantwana Abasha Ngaphansi Komgomo Weqembu Lomzali
Uma uneminyaka engaphansi kwengu-26 ubudala futhi ungenayo umshuwalense wezempilo ovela emsebenzini wakho, ungase ufanelekele ukukhokhelwa ngaphansi komshuwalense womzali wakho . Ngisho noma ushada noma uhlala wedwa, ungafakwa emshuwalense wezempilo umzali wakho awuthola emsebenzini wakhe. Kungenzeka ukuthi ulinde kuze kufike ukubhaliswa kokuvula komzali wakho ukubhalisa, kodwa uhlelo lungaba nokubhaliswa okuvulekile okungavumelani nonyaka wekhalenda.
Qinisekisa ukuthi uhlelo luhlinzeka ngemali yomshuwalense wokubeletha kwabathembeki, njengoba izinhlelo zezempilo zingadingeki ukwenza kanjalo. Abaxhasi kumele banikezwe ukuhlanganisa okubandakanya izinzuzo zokunakekela izifo, kubandakanya ukunakekelwa kokubeletha. Kodwa asikho isidingo sokuthi izinhlelo zihlanganisa umsebenzi kanye nokulethwa kwabaxhomekile.
Umzali Ohleliwe
Ubuzali Abahleliwe akuyona nje ukulawula ukubeletha nokukhipha isisu. Ezinye, kodwa hhayi zonke, izindawo ezihleliwe ze-Planned Parenthood zihlinzeka ngezinsizakalo zangaphambi kokubeletha. Ezinye, kodwa hhayi zonke, izindawo ezihleliwe ze-Planned Parenthood zisezinkokhelo zabo kumholo wakho. Uma i-Planned Parenthood yangakini inganikezeli ukunakekelwa kokubeletha noma isakhiwo sokukhokha esikhwameni sokuzikhokhela, bazokwazi ukukudlulisela kwezinye izinsiza zomphakathi wangakini.
Xoxa nge-Self-Pay Rate
Uma uqeda ukukhokha ephaketheni, uxoxisane ngamazinga esaphulelo kusengaphambili futhi usethe izinhlelo zokukhokha. Ngokuvamile, izibhedlela zinenani eliphakeme, izinga lokukhokha lokuzikhokhela, kanye nesilinganiso esiphansi sothando. Uma ungaceli ngesilinganiso sosizo, ngeke bazinikele. Ukubuza ukuthi izinga lezinsizakalo zini, kanye nokuthi ungayifanelekela kanjani, kuzokusiza ukuthi uxoxisane ngoba uzokwazi ukuthi ungenzani, ngisho noma ungakufanelekeli.
I-Discount Medical Plan Inhlangano
Uma uxoxisana nesikhokhelo sakho sokukhokha esikukhokhayo, ungasebenza nge-Discount Medical Plan Organisation. Lezi zinkampani zinikeza izaphulelo zangaphambi kokuxoxisana kumalungu azo ngenkokhelo yenyanga. Lokhu akuyona yomshuwalense wokubeletha weqiniso ngoba ukhokha wena udokotela nesibhedlela. Kodwa, isaphulelo sesivele sesetshenziselwe wena yi-DMPO. Ngaphambi kokuba ubhalise, qiniseka ukuthi udokotela wakho nesibhedlela bahlanganyela, njengoba izinhlelo eziningi zinokukhethwa okulinganiselwe kwabahlinzeki benakekeli bezempilo .
Kubuyekezwe nguLouise Norris.
> Imithombo:
> BillTrack50.com, Bill of New York Bill Bill 5972.
> I-Medicaid.gov, i-Medicaid ne-CHIP Amanani Wokufaneleka kusukela ngo-Juni 1, 2016.