Ukufanelekela Izinketho Ezikhethekile Zokunakekela
Izigidi zaseMelika zingenawo umshuwalense wezempilo minyaka yonke. Eqinisweni, ngokusho kweKaiser Family Foundation, abantu abayizigidi ezingama-27.6 baseMelika abangaphansi kweminyaka engama-65 babengenabasebenzi bokunakekelwa kwezempilo ngo-2016. Nakuba le nombolo ingaphansi kwezigidi ezingu-44 ezingabanjwanga ukuqinisekiswa ngaphambi kokuba kutholakale uMthetho Wokunakekelwa Ongenakusiza ngo-2014, namanje inombolo ebalulekile.
Ukungaqinisekisiwe kusho ukunakekelwa kwezempilo okungaphansi
Ngeshwa, labo abangenawo umshuwalense wezempilo bayoba nesikhathi esinzima kakhulu ukuthola ukwelashwa okufika ngesikhathi futhi okungabizi kakhulu ezindabeni zezempilo kanye nokunakekelwa kwezempilo jikelele. Ngokusho kweKaiser Family Foundation, labo abangenawo umshuwalense bathambekele ekutholeni ukunakekelwa kokuvimbela okubandakanya ukuhlolwa okubalulekile kwezifo. Eqinisweni, amaphesenti angama-49 abantu abadala abangatholakali abangaphansi kweminyaka engama-65 bathi babengenalo umthombo ababewusebenzisa njalo ekunakekelweni kwezempilo. Kodwa-ke, uma ungaqinisekisiwe, usenayo izinketho eziningana uma udinga ukwelashwa.
Izinketho ze-Uninsured
Uma ungaqinisekisiwe, nakhu okunye okukhethwa kukho:
- Amagumbi okuphuthumayo: Kwadlula ngo-1986, i-Emergency Medical Treatment and Labor Act idinga amakamelo aphuthumayo kuwo wonke ama-United States ukuba aphathe noma yilowo nalowo ohamba emnyango, kungakhathaliseki ukuthi bayaphila noma bayakwazi ukukhokha. Ngakho-ke, i-ER ingavakashelwa ukunakekelwa kwezempilo kwamahhala, nakuba ukuvakashelwa okunjalo kufanele kugcinwe ngezimo eziphuthumayo kuphela.
- Imitholampilo yamahhala: Imitholampilo yamahhala inikeza ukunakekelwa kwempilo kubahlali bendawo abahola kancane nabaswele. Zitholakala emiphakathini nasemizaneni kulo lonke elase-United States. Le mitholampilo ingakhokhisa amanani anciphisa noma unikeze ukunakekelwa mahhala kweziguli ezinezimo ezithile ezincane. Izimali emtholampilo wamahhala zixhomeke emholweni wakho. Ukutholakala komshuwalense wezempilo akucatshangelwa emitholampilo yamahhala, ngakho-ke kuyindlela eqinile uma ungaqinisekisiwe.
- Ukunakekelwa kosizo: Njengoba igama liphakamisa, ukunakekelwa kosizo kungukuthi; uthando. Ukunakekelwa kosizo, okuvame ukubizwa ngokuthi ukunakekelwa kwezempilo okunganakekelwa, ukunakekelwa kwezempilo kunikezwa mahhala, noma ngezindleko ezincishisiwe. Abantu abaningi abathola ukunakekelwa kosizo abanalo imali. Ukunakekelwa kosizo kufanele kusetshenziswe, futhi kuyatholakala kuphela ezibhedlela ezibandakanyekayo nezindawo zokunakekela ezempilo ezifanayo.
Indlela Yokuthola Ukunakekelwa Kwezinsizakalo
Enye yezinketho ezingcono kakhulu ezitholakalayo, uma ungaqinisekisiwe, ukunakekelwa kosizo. Kwezinye iziguli, lokhu kungaba yindlela kuphela yokuthola ukunakekelwa abayidingayo, kodwa ukuthola ukunakekelwa kosizo kungaba inselelo yangempela.
Iningi lamazwe, njengeNew Jersey, linenhlangano kahulumeni ephethe ukunakekelwa kosizo, kepha iziguli ngokuvamile aziwa. Ukubheja kwakho okuhle kokuthola ukunakekelwa kosizo ukuxhumana nesibhedlela sakho. Izibhedlela ngokuvamile zinolwazi oludinga ukufaka isicelo futhi uthole ukunakekelwa kosizo, kufaka phakathi ulwazi lokufaneleka kanye namafomu afanele.
Izinhlelo zokunakekelwa kosizo zifuna ukuthi lowo ofake isicelo angafaneleki kunoma yiluphi uhlobo lwempilo yomshwalense wezempilo, kuhlanganise neMedicaid . Iziguli zingadinga ukuhlinzeka ngolwazi lwezezimali olubonisa ukuthi abakwazi ukukhokha.
> Imithombo:
> I-American College of Emergency Physicians. I-EMTALA. Ishicilelwe ngo-2016.
> I-Foutz J, i-Damico A, i-Squires E, i-Garfield R. I-Uninsured: I-Primer - Amaqiniso Okuyinhloko Ngomshwalense Wezempilo kanye no-Uninsured Ngaphansi Komthetho Wokunakekelwa Okunenzuzo. I-Henry J. Kaiser Family Foundation. Ishicilelwe ngo-December 14, 2017.