Sebenzisa Amandla Wakho Njengomthengi Wezempilo Ohlakaniphile
Ochwepheshe abaningi bayokutshela ukuthi ukunakekelwa kwempilo yaseMelika kuncane ngempilo noma ukunakekelwa kanye nokunye ngemali. Ukunyuka kwezindleko zezempilo kuthinta zonke izici zokunakekelwa. Iziguli, abaqashi, abahlinzeki, ababhalisi, uhulumeni; akukho mkhokheli omzimba.
Ngokuhambisana nezindleko ezengeziwe zokunakekelwa kwempilo, iziguli eziningi zikholelwa ukuthi kuye kwaba nensizakalo yezinsizakalo ezisezingeni elivela kubahlinzeki babo.
Isibonelo, ngenxa yokuncipha kokubuyisela ukunakekelwa kwezokwelapha, odokotela bakuthola kubalulekile ukubona iziguli eziningi ngosuku lwabo, beshiya isikhathi esingaphansi ngasinye. Iziguli zizwa sengathi abanaso isikhathi sokukhuluma nodokotela babo noma ukubuza imibuzo. Abahlinzeki bayazi ukuthi kumele basheshe baqede ama-aphoyintimenti. Ukukhungatheka kubangela ukunganeliseki kuzo zombili izinhlangothi zomlingani weziguli.
Ngaphezu kwalokho, ngokufinyelela okulula kwi-inthanethi, nokuqonda okuphakeme kokuqwashisa ngezinkinga zokunakekelwa kwezempilo, iziguli ziqala ukuqonda ukuthi zingasebenzisa kanjani ithonya labo, amandla abo abathengi, ukushintsha indawo yokunakekela impilo. Siyazi futhi sinokuthola ulwazi oluningi kunanini ngaphambili.
Iyiphi Amandla Umguli-Umthengi Anezo?
Kusuka kwesineke kuya kwesiguli, inani lomthengi ithonya ngalinye liyehluka. Okulandelayo yizibonelo zokuthengiswa kwempilo:
- Ukunakekelwa Kwezempilo Kwabathengi: I-subset yabathengi bezempilo ephethe igama elifanayo, i-CDH i-Consumer Driven Healthcare (i-CDH.) I-CDH ichaza ngokujwayelekile izici zomshuwalense wezempilo, okubandakanya izinhlobo ezahlukene zemishini yomshuwalense, izithako ezongezwayo, kanye nokusebenzisa ama- akhawunti atholakalayo njengama- Akhawunti Yokulondoloza Impilo .
- Ukukhethwa komshuwalense: Iziguli zingakhetha ukukhokhelwa komshuwalense wabo. Abaningi baseMelika bathola umshwalense wabo ngokusebenzisa abaqashi babo. Unyaka ngamunye, ngokuvamile ngoNovemba noDisemba, abaqashi banikeza isikhathi "sokubhalisa okuvulekile" lapho abasebenzi bengabukeza khona ukukhetha kwabo umshwalense ngonyaka ozayo. Ngokuqhathanisa nezidingo zabo zezokwelashwa, abahlinzeki abatholakalayo kuleso sikhwama, ngezindleko zama-premium, ama-deductibles, kanye nokukhokhela, iziguli zikwazi ukulawula izindleko zabo zokugcina ezempilo.
- Ukukhetha Umhlinzeki: Iziguli zingakhetha abahlinzeki bazo. Nakuba ezinye izinhlelo zomshuwalense zikhawulela ukukhetha, ikhono lokuzikhethela lisekhona kuningi. Iziguli zingase zifunde mayelana neziqinisekiso zomhlinzeki, ukulayisenisa, ngisho nokuphawula ngokumelene nedumela lomhlinzeki besebenzisa lolo lwazi ukukhetha ukuthi yiziphi izinhlinzeko abakhetha ukuzitholela ukunakekelwa kwazo.
- Ukutholakala Kwerekhodi Yezokwelapha: Iziguli zingabuyekeza amarekhodi azokwelapha futhi zilungise amaphutha kanye nolwazi olungalungile. Amaphutha akhona kumarekhodi wesiguli ngezizathu ezihlukahlukene. Ngezinye izikhathi abasebenzi bezokwelapha bayashesha futhi ulwazi alushiywanga. Ngezinye izikhathi ukubhaliselwa akulungile. Ngezinye izikhathi, ulwazi oluhlekisayo olungewona irekhodi lesiguli kumele lususwe.
- Ukuchithwa Kwefayili Yabathengi: I- Medical Information Bureau ingaba nefayela esikhwameni sesiguli nasemlandweni wezokwelapha. Abathengi bezempilo be-Smart bayazi le nhlangano yokubika futhi bazi ukuthi bangaxhumana kanjani nabo ukuqinisekisa ukuthi amarekhodi abo alungile futhi alungile.
- Izinketho ezihambisanayo zokwelapha (CAM), ezifana nezindlela zokwelapha zamakhemikhali, izikhwama zokwelapha noma i-yoga, zande eminyakeni yamuva. Iziguli, ezikhungathekile nge-allopathic yazo (zokwelashwa ezivamile), zikhetha ukwelashwa kwe-CAM kaningi. Lokhu kushintshwa kwesimo sengqondo ngabasebenzi abathengisa isiguli kudala imithi yokwelapha, inhlanganisela ye-allopathic ne-CAM, ethandwa kakhulu.