Imitholampilo ye-STD yilabo abahlinzeki bezokuphepha. Banikeza ukunakekelwa okudingekile, kaningi mahhala, emiphakathini eminingi ngaphesheya kwe-United States. (Uma udinga usizo lokuthola eyodwa ... ) Banikeza ukunakekelwa kochwepheshe endaweni yezokwelapha lapho odokotela abaningi bengakhululekile khona. Yingakho abanye abantu bekukhathazeka ukuthi indima yesitholampilo se-STD ingashintsha ngesikhathi sokuguqula impilo.
Umthetho Wokunakekelwa Okuncintisayo, owaziwa nangokuthi ObamaCare noma i-ACA, ushintshile indima yomtholampilo we-STD. Kodwa-ke, indima edlalwa emitholampilo ye-STD ayizange ishintshe abantu abaningi abangalindela. Kuyiqiniso ukuthi, ngaphansi kwe-ACA, abantu abaningi banomshwalense wezempilo. Kuyiqiniso futhi ukuthi ukuhlolwa kwe-STD yamahhala nokwebiwa kwemithi kunikwe amandla kubantu abathile . Ngeshwa, ukuthunyelwa akugunyaziwe kuwo wonke umuntu. Ngaphezu kwalokho, kukhona abantu abangeke basebenzise umshwalense wabo wezinsizakalo ze-STD ngisho nalapho bengakwazi. Yingakho kunokungabazeki ukuthi kusekhona indima emitholampilo ye-STD ekunakekelweni kwezempilo ngokobulili.
Okwenza iziguli ziqhubeke nokukhetha imitholampilo yesifo sofuba emva komthetho wokunakekelwa okunganakekeli
Abacwaningi abaningi baphenye ukuthi kungani iziguli ziqhubeka nokuvakashela imitholampilo ye-STD, noma ngabe zinamanye okukhethwa kukho ukunakekelwa. Esinye isifundo esikhulu sathola ukuthi kunezizathu eziningana zokuthi kungani abantu bekhetha ukuvakashela umtholampilo we-STD. Nakuba abantu abangamaphesenti angama-60 kuleso sifundo banokufinyelela kwezinye izinto zokunakekelwa, basakhetha ukliniki we-STD ekunakekelweni kwabo kwezocansi.
Izizathu zabo zibandakanya ukufinyeleleka kwezinsuku ezifanayo, ikhono lokuhamba-ekunakekelwa, ubuchwepheshe bezokwelapha, kanye nezindleko eziphansi. Ngamanye amazwi, amitholampilo e-STD azizwa njengendawo ephephile, elula, futhi engabizi kakhulu ukuze anakekele.
Iningi labantu abaya emitholampilo ye-STD bavame ukuba abancane, abesilisa nabangewona abamhlophe.
Cishe ingxenye ingavunyelwe. Abaningi ngamadoda alala nobulili namadoda . Mhlawumbe kungenakuqhathanisa ukuthi lawa onke amaqembu avame ukukhathazeka ngawo, noma abenqikazi ukufinyelela, ukunakekelwa kwendabuko yokuvimbela. Kwabaningi babo, umtholampilo we-STD yindawo lapho ukunakekelwa kwezempilo ngokocansi kuhambisana nengozi ephansi yokwahlulela. Imitholampilo ye-STD nayo yindawo lapho bengakwazi khona ngokushesha futhi kalula ukuthola usizo oluphuthumayo, izidingo ezingakhazi kahle.
Umshuwalense, Ubumfihlo, nokufinyelela kweminye imitholampilo ye-STD
Esinye sezizathu ezinkulu abantu abakhetha ukuya emtholampilo we-STD kunokuba babone udokotela wabo ukuthi bayazibona lezi mitholampilo njengendawo eyimfihlo ukuze banakekele. Akudingeki bakhathazeke ngodokotela wabo abahlulele ukuziphatha kwabo ngokocansi noma abalingani babo bocansi. Bazi ukuthi wonke umuntu egumbini lokulinda likhona ngesizathu esifanayo. Bangakwazi ukuhlala bengaziwa noma abangaziwa, uma kudingeka. Kukhona umphumela othakazelisayo wesifiso salokhu wobumfihlo lapho ukhuluma ngempilo yezocansi. Abantu abaningi banqika ukusebenzisa umshwalense wezempilo emitholampilo ye-STD.
Ucwaningo oluthile luye lwabona ukuthi kuphela abantu abangaphansi kwesigamu abanomshwalense bazimisele ukusebenzisa leyo inshuwalense emtholampilo we-STD. Lokhu kuyiqiniso noma ngabe kufanele bakhokhe imali yokunakekela .
Nakuba isizathu esiyinhloko sokungafuni ukusebenzisa umshuwalense ngokuvamile ukukhathazeka mayelana nobumfihlo, izizathu ezithile zihlukahluka. Bangase bakhathazeke ngamarekhodi athunyelwa emakhaya abo. Bangase bangathandi inkampani yabo yomshuwalense ukwazi ukuthi bahlolwa. Uma benomshwalense wezempilo oqashiwe ngumqashi, kungenzeka ukuthi (ngokungaqondile) abathintekayo ukuthi abaqashi bazo bazokwazi ukufinyelela kumarekhodi abo. Labo abathola ukuhanjiswa ngomzali noma oshade naye bangakhathazeka ukuthi lowo muntu angase abone izikweletu zabo.
Noma kunjalo, ukukhathazeka kwangasese akuwona nje isizathu abantu abafuni ukusebenzisa umshwalense kumitholampilo ye-STD.
Esinye isizathu abantu abangase bangakhetha ukungasebenzisi umshwalense wabo ukukhathazeka ngezindleko zezimpahla. Abantu bangase babe nokukhathazeka ukuthi uma inkampani yabo yomshuwalense iyayazi nge-STD ukuthi ingathinta ama-premium awo noma ukufinyelela ekunakekeleni. Nakuba isenzo sokunakekelwa okungabizi kahle sinqabela ukwenqaba ukukhishwa ngenxa yesimo esiphezulu, leyo ngozi yayiyiqiniso iminyaka eminingi. Ngeshwa, ukususa ukuvikeleka kwemibandela ye-preexisting kubuyela etafuleni emibhikishweni yokuguquguquka kwempilo ka-2017. Naphezu kokuvunywa okuvame kakhulu, akukho isiqinisekiso sokuthi sizohlala yingxenye yomthetho wezempilo wase-US.
Indlela Ukuguqulwa Kwezempilo KwezeMpilo Kushintshile Imali Yomtholampilo Ye-STD
Izindlela zokuguqulwa kwezempilo eziye zagunyaza ukukhokhelwa kwe-inshuwalense zithinte indlela yonke ukunakekelwa kwezempilo, kuhlanganise nokwamukelwa emtholampilo we-STD, ixhaswa ngemali. Imali esetshenziselwa ukwandisa iMedicaid nokwandisa izinketho zomshuwalense kwakudingeka zivela endaweni ethile. Eminye yayo ishintshwe kusukela kuzikhwama ezazisetshenziswa ngaphambili ukukhokhela ezinye ukunakekelwa kwesiguli-njengemitholampilo ye-STD yomphakathi. Ezinye imitholampilo zivale noma zinciphisa amahora. Abanye baye bafaka imali ephathekayo yokunakekelwa.
EMassachusetts kwakuyisimo sokuqala sokugunyaza umshuwalense wezempilo. Lokhu kunikeze abacwaningi ithuba eliyingqayizivele lokubheka ukuthi lokho kuthinteka kanjani emitholampilo ye-STD esifundazweni. Lokho abakutholile bakhulume ekuxhumaneni phakathi kobumfihlo nemali ebangela ukunakekelwa okungaka kakhulu kwe-STD.
Ngakolunye uhlangothi, lapho abantu abaningi benesithakazelo somshwalense, abaningi babo basebenzise. Kwakukhona ushintsho lapho ingxenye ephawulekayo yeziguli yaqala ukuya kudokotela wabo wokunakekela oyinhloko ukwelashwa. Ngakolunye uhlangothi, abantu abaningi baqhubeka beya emtholampilo we-STD. Ngaphezu kwalokho, ngisho noma ngabe imali eyi-dollar engu-75 yenzeke, isigamu sabo bonke abagulayo bemitholampilo bakhetha ukuyikhokhela kunokusebenzisa umshwalense. Njengoba kunikezwe amazinga aphezulu okufakaza kuhulumeni, kungenzeka ukuthi iningi lawo linomshwalense njengendlela yokukhetha. Bakhetha nje ukungayisebenzisi.
Isidingo semitholampilo ye-STD Asisuki
Ukwandiswa kokushuwalulwa komshuwalense ngokuvamile kucatshangwa ukuthi kuthuthukiswe ukufinyelela kokunakekelwa. Noma kunjalo, ukukhathazeka kwangasese okuyingqayizivele okuhlobene nokunakekelwa kwezempilo ngokocansi kungenza kube okungafani nokubusa. Kukhona ngokungangabazeki ukunyuka kokusetshenziswa komshuwalense wokuhlolwa kwe- STD, ukwelashwa nokuvimbela . Kodwa-ke, kubonakala sengathi ukwesaba okubhekene nesithunzi se-STD kanye nobumfihlo kungase kusho ukuthi kuyohlale kube nezikhala lapho abantu bebheka khona ukunakekelwa okungaphezulu okuyimfihlo.
Eziningi zalezi zikhala zingcono kakhulu zigcwala imitholampilo ye-STD exhaswa umphakathi. Abantu bangase bangathandi ukusebenzisa umshwalense wabo ukuze bahlolwe. Kungenzeka bangathandi ukuvakashela odokotela babo ukukhuluma ngesifo. Kodwa basadingeka indawo yokuya ekunakekelweni kwezempilo kwezocansi.
> Imithombo:
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> Hoover KW, Parsell BW, Leichliter JS, Habel MA, Tao G, Pearson WS, Gift TL. Isidingo Esiqhubekayo Emitholampilo Yezifo Zesandulela Ngculazi Emva koMthetho Wokunakekelwa Okunganakekelwa. Am J Impilo Yomphakathi. 2015 Nov; 105 Ukusekela 5: S690-5. i-doi: 10.2105 / AJPH.2015.302839.
> Pathela P, Klingler EJ, Guerry SL, Bernstein KT, Kerani RP, Llata L, Mark HD, Tabidze I, CA Rietmeijer; I-SSuN Iqembu Elisebenzayo. Imitholampilo yokutheleleka ngokocansi njengabahlinzeki bezokuphepha: ukuhlola indima yemitholampilo yokutheleleka ngocansi ngesikhathi esisodwa. I-Dis Trans Trans Dis. 2015 Meyi; 42 (5): 286-93. i-doi: 10.1097 / OLQ.0000000000000255.
> Pearson WS, Cramer R, Tao G, Leichliter JS, Gift TL, Hoover KW. Ukuzimisela Ukusebenzisa Umshuwalense Wezempilo Emtholampilo Wezifo Zesandulela Ngculazi: Ucwaningo Lweziguli Emitholampilo E-US. Am J Impilo Yomphakathi. Ngo-2016 Aug; 106 (8): 1511-3. i-doi: 10.2105 / AJPH.2016.303263.