Ukudluliswa koMthetho Wokunakekelwa Onganakekelwayo:
Njengoba i-Obamacare iphinde iqhubekele, lolu hlelo olusha lwezokunakekelwa kwempilo lushiya abaningi ukuba bazibuze ukuthi kungani ngisadingeka ukuthi ngikhokhele ukukhulelwa kokukhulelwa ? Kubonakala sengathi ukuhamba nge-Care Affordable Act kushiye abaningi ngemibuzo eminingi kunezimpendulo. Ngakho-ke, ake ngizame ukusiza ukuhlunga okunye kwalokhu kuwe.
Izidingo ezintsha zokufaka umshwalense we-Obamacare, ikakhulukazi izinsizakalo zokuvimbela abesifazane, zaqala ukusebenza.
Lokhu kwakunabantu abaningi kangaka abajabule. Ngaphansi koMthetho Wokunakekelwa Onganakekelwayo, okokuqala ngqa, izinkampani zomshuwalense kuzodingeka zimboze izinzuzo ezengeziwe zokuvimbela ezempilo kubesifazane ukugcwalisa izikhala ezinsizeni zamanje zokuvimbela. Imikhombandlela emisha ehlinzekwe ngaphansi koMthetho Wokunakekelwa Okunganakekelwayo uvumela abesifazane ukuba bathole isethi esiphezulu sezinsizakalo zokuvimbela ngaphandle kokukhokha ikhophi, ukukhokhelwa kwemali noma i-deductible (futhi ebizwa ngokuthi ukwabelana ngezindleko).
Futhi i-cherry phezulu, i-Care Affordable Act (ngezinsizakalo zezempilo zokuvimbela abesifazane) idinga zonke izinhlelo zomshuwalense wezempilo ozithola ngokusebenzisa umqashi wakho, umakethe wezwe / ukushintshaniswa noma uzithenge wena (ngaphandle kwalabo abaxhasiwe abaqashi benkolo) ukuze ukumboza, ngaphandle kokwabiwa kwezindleko, zonke izinketho zokulawulwa kokuzalwa kokubelethwa kuka -FDA nokululekwa kokukhulelwa. Lokhu kusho ukuthi kufanele ukwazi ukuthola ukuthengwa kwakho kokuzalwa kwenyanga ngezindleko ezingaphandle kwezindleko , njengoba izindleko ezigcwele ziyobekwa yi-premium yakho yenyanga.
Inkampani yakho yomshuwalense ngeke ikwazi ukukhokhela izinkokhelo ezengeziwe zalezi zinsizakalo, njengama-copayments noma ama-deductibles.
Ukudideka Ngokuphathelene Nokuvimbela Ukukhulelwa
Konke lokhu kuzwakala kuhle, kulungile? Kodwa kubonakala sengathi kukhona ukudideka okukhulu okuqhubekayo. Isibonelo, ake sibheke eBecca, ngithumelele amazwana alandelayo:
"Namuhla ngaya ukuthenga i- NuvaRing yami kanye nenkampani yami yomshuwalense namanje ucabanga ukuthi akudingeki ukuba bakhokhele. Ngisefonini usuku lonke nabo futhi ngicabanga ukuthi siqonda nje umthetho ngokuhlukile."
Ngakho ... ngubani olungile kule simo? Ngeshwa, bobabili basuke. Uyabona, noma ngabe uMthetho wezeMpilo wezeMpilo ongenakwazi ukusebenza ngo-Agasti 1, 2012, lokhu akusho ukuthi uzothola lezi zinzuzo ezingenakulinganiswa ngalolu suku. I-Obamacare idinga kuphela izinhlelo ezintsha zempilo ukuhambisana nezidingo zokuhlinzeka ngokukhulelwa komzimba - ngakho-ke kusebenza kuphela kumalungiselelo abhalwe noma athengwe emva kokunakekelwa kwezempilo okunganakekelwa.
Izinhlelo zomshuwalense wezeMpilo ezazikhona ngaphambi kokuba u-Obamacare abelethwe (okusho ukuthi akudingeki ukuba akunikeze lezi zinzuzo zokukhulelwa). Lokhu kusho ukuthi uhlelo luyaqhubeka nokusebenza njengoba lukhona. Kodwa-ke, uma inkampani yomshuwalense yenza noma yiziphi izinguquko eziphawulekayo ohlelweni (njengokwenyuka kwezimali, ukukhokha imali, noma ukukhipha imali, izinzuzo ezithile zokusika, noma ukukhulisa umkhawulo wamaphesenti ngamanani athile), lolu hlelo ngeke lusabalwa. Ngakho, izindaba ezinhle ukuthi lezi zinhlelo ngeke zizalwe kuze kube phakade. Izinhlelo eziningi sezilahlekile kakade lesi simo.
Ngakho ebuyela kumbuzo kaBecca mayelana nomshuwalense wakhe ongafaki iNuvaRing, lokhu kungenxa yokuthi icebo lakhe lihlelwe, futhi yingakho ephikisana nokuqashwa.
Ngakho-ke kungani ungasadingeki ukukhokhela ukubeletha?
Yebo, kubonakala sengathi kukhona ukudideka mayelana nokuthi yiziphi izakhi zokuvimbela imithi ezihlanganisiwe. Ngisho noma uMthetho Wokunakekelwa Onganakekelwayo uthi abesifazane bazokwazi ukufinyelela kuzo zonke izinhlobo zokuvimbela i-FDA ezivunyelwe - Zonke izinhlobo azilingani nazo zonke izinhlobo . Ngaphansi kwe-Obamacare, izinhlelo zisazokwazi ukulawula izindleko futhi zithuthukise ukuhlinzekwa ngendlela efanele, ngokwesibonelo, ukuqhubeka nokukhokhisa izindleko (ukukhokhela imali, ukukhokhela imali, ukukhipha imali) ukuze uthole izidakamizwa ezinamabala uma ngabe i-generic version iyatholakala futhi iphumelela futhi ephephile.
Izinkampani eziningi zomshuwalense zihumusha isigaba somthetho esibavumela ukuba "basebenzise ukuphathwa okunengqondo kwezokwelapha ukuze basize ukulawula izindleko" ukusho ukuthi bangakwazi ukukhokhela ikhodi yokukhokhela ngezinhlobo ezithile zokulawulwa kokuzalwa kodwa hhayi abanye. Yingakho ungatshelwa ukuthi udinga ukukhokha ikhodi yokukhokhela ukuze uthole i-NuvaRing, noma leyo philisi yokulawulwa kokuzalwa kuphela ehlanganiswa ngaphandle kokukhokha.
Ngakho, Yiziphi Izinzuzo Zami Zokukhulelwa Ngaphansi Kwe-Obamacare?
Yiziphi izinkampani zomshuwalense ezivunyelwe ukuba zenze noma nini inkampani yakho yomshuwalense ikhetha futhi ikhetha ukuthi iyiphi imithi yokuvimbela imithi izoba mahhala?
- Uma ngabe ukukhulelwa kwakho kunesimo esijwayelekile, uhlelo lwakho lomshuwalense lungakhetha ukuhlinzeka kuphela nge-generic alternative mahhala. Bangase badinge lokho, uma ukhetha umuthi wegama lomkhiqizo (uma i-generic efana nayo iyatholakala), ukhokhe umehluko wamanani phakathi kokubili.
- Uma kungekho inguqulo yesizukulwane yemithi yakho yokukhulelwa, kufanele ihlanganise igama lomuthi wegama ngaphandle kwe-pay-co-pay. Lokhu kusho ukuthi ngaphansi koMthetho Wokunakekelwa Onganakekelwayo, izinhlelo zomshuwalense kumele zimboze, ngaphandle kwakho izindleko, NuvaRing, Ortho Evra Patch , Depo-Provera , iMirena , ParaGard , ne- Nexplanon njengoba kungekho ndlela ehlukile yokukhiqiza.
- Uma kukhona ukhetho olulodwa lwe-FDA oluvunyelwe ukuvimbela ukwelapha olutholakalayo e-US, uhlelo lwakho luyadingeka ukuba lumboze (isib. I-NuvaRing yiyona kuphela indandatho yokukhulelwa, ngakho kufanele ihlanganiswe). Kodwa njengoba kunezinhlobo eziningi zamaphilisi okulawula ukuzalwa , izinkampani zomshuwalense wezempilo zingase zihlanganise ezinye zazo. Ngakho yiziphi amaphilisi ahlanganiswe ngokuqondile ngaphandle kokukhokhelwa kwama-co-ahlukahluka ngecebo.
- Uma udokotela wakho enquma ukuthi igama le-brand-brand "lifanelekile ngokwezokwelapha" kuwe, inkampani yakho yomshuwalense kufanele inikeze inqubo yokuyeka ukuthi izokuvumela ukuba uthole ukulawulwa kokuzalwa kwegama lakho ngaphandle kokukhokha.
- Amacebo kufanele anikele ngaphezu kwamaphilisi okulawula ukuzalwa mahhala. Kudingeka ukuthi bakunikeze uhla olugcwele lwezindlela zokwelapha ezivunyelwe i-FDA - lokhu kuhlanganisa izindlela zokugqoka kanye nokukhulelwa kokukhulelwa ngaphezulu.
- Zonke izinsizakalo ezihlobene nokuvimbela ukukhulelwa kuyadingeka ukuthi zifake izisu zokubeletha (njenge- IUDs ), zinqume ukulawulwa kokuzalwa, ukulandelela nokulawula imiphumela emibi yokukhulelwa, ukwelulekwa kokunamathela okuqhubekayo, nokukhishwa kwamadivaysi asetshenzisiwe kumele kuhlanganiswe ne-$ 0 co-pay.
- Ukuvimbela ukukhulelwa okungapheli , njenge- Essure kanye ne- tubal ligation , kufanele futhi kunikelwe ngaphandle kokwabelana ngezindleko.
Ezinye Izinto Zokugcina Okufanele Uzikhumbule:
- Ukukhulelwa kokuphuthumayo kubhekwa njengenzuzo ehlanganisiwe. Kodwa-ke, khumbula ukuthi uhlelo lwe-B B One-Step ngumkhiqizo ongenwe uphawu, ngakho-ke uhlelo lwakho lomshuwalense lungase luhlanganise kuphela izindlela zalo ezijwayelekile, i- Next Choice One Dose , i- My Way kanye ne- Action Action mahhala futhi ukhokhise ikhodi yokukhokhela i-Plan B One Step.
- Izisu zokubeletha ezingaphezu kwamakhondomu ezinjenge- spermicides , ikhondomu yabesifazane , ne- Today Sponge zihlanganiswa noMthetho Wokunakekelwa Okunganakwa. Kodwa, ukuze lezi zindleko zihlanganiswe nezindleko ezingaphandle kwamapokhethi, kumele udokotela wakho abhale phansi imithi yezokwelapha. Ngakho-ke nakuba zikhona i-OTC, uma ungafuni ukuba ukhokhele, kuzodingeka uthole kuqala imithi. Njengoba kunikezwe ukuthi i -pillow ekuseni ilandela i-OTC isimo , uzodinga nemithi (kungakhathaliseki ukuthi uneminyaka yakho) uma ufuna inkampani yakho yomshuwalense ukuyikhokhela. Usengakwazi ukuthenga le mithi yokwelapha ngaphandle kwemithi - ngeke nje ikhululeke.
- Izinzuzo zezinsizakalo zokuvimbela zisebenza kuphela kubantu besifazane . Ngakho ngaphansi koMthetho Wokunakekelwa Onganakekelwayo, inkampani yakho yomshuwalense ingakwazi ukukhokhisa ama-copayments noma ama-deductibles ngezinqubo zokuvimbela abesifazane, njengama- vasectomies noma amakhondomu .
- Ukukhipha isisu kanye nezidakamizwa ezifana ne- RU-486 azifakiwe ngaphansi kwezinsizakalo zokuvimbela ezempilo ze-Affordable Health, ngakho-ke izinkampani zomshuwalense azidingeki ukuba zinikeze lezi zinsizakalo ngaphandle kokwabelana ngezindleko.
Dinga usizo?
Ngenxa yazo zonke ukudideka ezithinta ukuvimbela ukubeletha ngaphansi kwe-Obamacare, ungase ucelwe ukukhokhela ukulawulwa kokuzalwa okufanele kube mahhala. Uma ucabanga ukuthi inkampani yakho yomshuwalense ayihambisani ne-Care Affordable Act, kunezenzo ongayithatha.
- Shayela inombolo yesevisi yelungu ngemuva kwekhadi lakho lesikhuwalense noma ukhulume nomqondisi wezinzuzo zomqashi wakho ukuze unqume uma uhlelo lwakho luzalwa futhi / noma ukubuza ukuthi yiziphi izinkinga zokukhulelwa ezihlanganisiwe.
- I-National Women's Law Centre idale i- toolkit ewusizo ekusizeni ukulwa nokuhlinzekwa okunikezwe ngaphansi koMthetho Wokunakekelwa Onganakekelwayo. Lezi zihluthulelo ziqukethe:
- Ishadi lokugeleza ukukusiza ukuthi uthole ukuthi ngabe ukukhulelwa kwakho kuhlanganisiwe.
- Isikripthi ongasisebenzisa uma ufonela inkampani yakho yomshuwalense izimpendulo / ulwazi.
- Izinhlamvu zesampula zokuthumela inkampani yakho yomshuwalense uma bekhokha ikhodi yokukhokhela uhlobo oluthile lokulawulwa kokuzalwa kanye nezixhumanisi zokufaka lokho okusekelayo amalungelo akho.
- Imiyalo yokuthi ungafaka kanjani isikhalazo.
Imithombo:
I-FDA. "Umhlahlandlela Wokulawula Ukuzalwa." Ihhovisi Lempilo Yabesifazane.
UMnyango WezeMisebenzi waseMelika. "Imibuzo mayelana noMthetho Wokunakekelwa Kwezokunakekelwa Ongathintekiyo Ingxenye XII." Ukuphathwa Kwezokuphepha Ezokuphepha kwabasebenzi. Februwari 20, 2013.