Ikusasa Nekusasa Lokungena Emshuwalense Wezempilo
Kunezici ezimbili kumqondo wokubaluleka okubalulekile kwingxoxo yokulungisa impilo. Umthetho we-Health Insurance Portability and Accountability Act (HIPAA) uvikela abasebenzi baseMelika ukuba bathole ukufinyelela kumshuwalense wezempilo uma beguqula noma belahlekelwa imisebenzi yabo ngokuqinisekisa ukuthi izimo ze-preexisting azivimbeli ukufinyelela komuntu umshuwalense wezempilo.
Njengoba umshuwalense ungumqashi-based, noma kunjalo, isisebenzi kumele senze ushintsho kwinkampani yakhe yomshuwalense futhi uhlele lapho kwenziwa izinguquko zomsebenzi; umshuwalense wezempilo awukwazi ukukhishwa kusuka kumqashi omunye kuya kwenye.
Lokhu kuba yinkinga ikakhulukazi ngoba unyaka ngamunye abaqashi banganikeza umshuwalense wezempilo njengenzuzo. Ngakho-ke, izisebenzi eziningi zizizwa zingenakunyakaziswa kubaqashi babo; abakwazi ukushintsha imisebenzi ngoba abakwazi ukukhokhela umshwalense wabo wezempilo.
Ochwepheshe abaningi bezinguquko zokunakekelwa kwempilo bathi ukuguquka kudinga ukushintshela kumuntu, kude nomqashi. Lokhu kungasho ukuthi uma umuntu emukelwa ohlelweni lokunakekelwa kwezempilo futhi eqhubeka nokwenza izinkokhelo ze-premium ezidingekayo, uzokwazi ukuqhubeka nokuthola izinsizakalo zokunakekelwa kwezempilo ngalolu hlelo ngisho noma bephuma emsebenzini.
Ukunakekelwa Emva kokunakekelwa kokunakekelwa okungenakusiza ka 2010
I-Affordable Care Act (ACA) idinga ukuthi abantu bathenge umshwalense wezempilo noma bakhokhele inhlawulo.
Yandisa ukufinyelela kumshuwalense wezempilo ngokuqeda ukubandlululwa kwezimo ezikhona ngaphambili, ukusetshenziswa okuphezulu kokunakekelwa kwezempilo kanye nokwaziswa kofuzo.
Noma kunjalo, umshuwalense usawuthola ngokusebenzisa izinhlelo zeqembu ezihlinzekwa abaqashi noma ngokuthenga ngezohwebo . Ukushintsha abaqashi noma ukuthuthela emazweni ahlukene kusho ukuthi umuntu kumele akhethe uhlelo olusha lwezempilo.
Ukuhwebelana kwezempilo kwenza lokhu kube lula okuhlangenwe nakho okulula, kodwa kusadingeka wenze izinqumo eziningi zezindleko, ukukhokhelwa, izinzuzo, abahlinzeki, ukuxhaswa nokunye okuningi.
I-HIPAA ne-Portability
Uma ulahlekelwe ukukhokhelwa ngaphansi kohlelo lwakho lwezempilo olukhona noma udinga ukuguqulwa ngenxa yemicimbi ethile yokuphila, unamalungelo okubhalisa okukhethekile ohlelweni olusha ngaphandle kwesikhathi sokubhalisa esivamile. Imicimbi yezokuphila ibalwe ihlanganisa ukulahlekelwa ukukhokhelwa ngaphansi kohlelo lomlingani wakho noma uhlelo lomzali ngenxa yokufa, isehlukaniso, ukulahlekelwa umsebenzi oshade naye noma umzali, ukunciphisa amahora okusebenza nokuhamba endaweni eyayihlinzekwa yi-HMO yakho.
Ngaphansi kwe-HIPAA kanye nokuvikela okungeziwe yi-ACA, izinhlelo zezempilo azikwazi ukuphika ukuhlinzekwa ngesimo sezempilo, ukugula kwezokwelapha nokugula, umlando wakho wezimangalo kanye nokusetshenziswa kwezempilo, ukukhubazeka, umlando wezokwelapha kanye nokwaziswa kofuzo. Ngeke bakudinge ukuthi uhlolwe ngokomzimba noma uphendule uhlu lwemibuzo yezempilo bese usebenzisa lokho ukukukhipha. Futhi, uma ujabulela umsebenzi obungozi obunjenge-skiing awukwazi ukunqatshwa ukuhlinzekwa nguhlelo, kodwa banganciphisa izinzuzo zabo uma ulimala wenza lo msebenzi.
Bheka okuningi: Imibuzo mayelana ne-Portability of Health and HIPAA
Ikusasa Lokungena Emshwalense Wezempilo
Ngezinguquko emandleni ezombusazwe e-Congress nasehhovisi likaMongameli we-Obama, kuyoba nemizamo eminingi yokushintsha uMthetho Wokunakekelwa Onganakekelwayo.
Abathengi bazodinga ukuhlala bengavumelani nempikiswano futhi bavumele abameleli babo ukuthi bayabaluleka kakhulu ekulawulweni komshuwalense wezempilo.