VaColorti vhoti vachabvisa pahuwandu hwepasi rose munaNovember
MunaNovember 2016, vatoti veColorado vachapiwa basa nekugadzirisa ramangwana rehutano hwehutano hwehurumende . Hazvishamisi kuti kune mibvunzo yakawanda pamusoro pezviri kuendeswa pasi peColoradoCare - zviri zviviri muColorado uye kubva kune vamwe mune dzimwe nyika vanoona kuti nharo yacho ibudirire.
Iyi nhengo kubva ku Physicians yeNational Health Program (PNHP) inotarisisa kuColorCare's pros and cons.
PNHP inotaura kuti ColoradoCare haisi kuzoita seye-payer system, nokuti vamwe veColorado vagari vacharamba vachifukidzwa nehurongwa hwehutano hwehurumende (Medicare, VA, Tricare, uye Indiana Health Services). Izvozvo zvingava zviripo chero kupi zvako kunze kwekunge imwe-mubhadhari wehurumende aifanira kushandiswa pamwero wenyika, sezvo pasina nzira yehurumende yekushandisa kusunungura kuitira kuwana mari ingadai isina kushandiswa kune iyo mapurogiramu (ikoko nenzira iyo ikoko ndeyeMedicaid, semuenzaniso, nekushandisa 1115 waiver).
Vermont Yakakundikana PaKubhadhara Kwoga
Vermont yakanga iri munzira yekushandisa 1332 waiver kuti iite imwe chete yehutano wehutano hwakatanga muna 2017, asi yakatora ipaki munaDisemba 2014). Colorado State Senator Irene Aguilar iri kutungamira ColoradoCare initiative. Maererano naSene.Aguilar, ColoradoCare ine zvimwe zvinobatsira izvo Vermont aine mubhadharo mumwe chete asina kuita:
- Vermont yakanga yatova nehutano hwakanaka hwehutano hwezvehutano, kusanganisira hupfumi hwehupfumi hwehurumende kuvanhu vose vakuru vane mari kusvika 150% yehurombo huwandu - nguva refu ACA isati yasvika. Nhamba isingasimbiswi muVermont yakanga yakaderera zvikuru kupfuura yevhareji yenyika, uye kukosha kweAACA kwakanga kusina kukosha muVermont sekuve kune dzimwe nyika seColorado. ColoradoCare (uye Vermont yakarasikirwa nemubhadhari wehurumende) inotsigira 1332 waiver kuti iite zvimwe zvekubhadhara zvakakosha kuti zvigadzirire purogiramu - muColoradoCare, hurumende yehurumende ichapa chikamu chinenge chetatu chemari. Iyi mari inouya kubva kune mari yaizodaro yakashandiswa nehurumende yehurumende kuti iwane mari yehutano kuColorado kuburikidza neMedicaid, mari inobhadhara mari, kugovana-kugovana-kudhura, uye zvidhinho zvemari zvemabhizimisi maduku. Mune nyaya yeVermont, zvinoratidzika kuti vangave vakave vachifungidzira kuti vaizoenda zvakadini kubva kuhurumende yehurumende pamwe chete ne1332 waiver yavo. Zvinonyanya kukosha, iyo inonyanya kukosha iyo ACA ine yehurumende, mari yakawanda inobata kuti iwane 1332 waiver.
- Kuwedzera kune ichocho, chikwata cheColoric mubhadharo mumwechete ndeye makore maviri shure kweVermont's (kana yakagamuchirwa nevatori, hurongwa hweColorado hunotangwa kutanga muna 2019, kunze kwe 2017). Izvozvo zvinoreva kuti Colorado yakakwanisa kuunganidza dhiyabhorosi chaiyo maererano nehuwandu hwemari yehurumende inoyerera muhurumende pasi peAACA nenzira yeMedicaid madhora, rubatsiro rwekutanga, kubhadhara mari, uye mari shoma yemari yemari. Yese mari iyo yaizoendeswa kuColoradoCare pasi pe1332 waiver. Nokukambomira kushanda, Colorado inokwanisa kuwana dhenda chaiyo maererano nehurumende yemari inowanika. Vermont's initial countings were all projections, sezvo vakatsanangura purogiramu yavo vasati vanyanyogadziriswa neAACA.
- Aguilar akanyora kuti vaColoradoCare vakasika nevatengo uye vakashandisa izvozvo kuti vaenzanise zvaigona kuitwa muColorado. MuVermont, hurumende inodhura zvikwangwani izvo zvakagadzirwa kumavira kwa2014 (nguva pfupi nyika isati yasiya gwaro rayo risina kubhadharwa) yakasvika kwenguva yakareba mushure mekunge zvinyorwa zvepurogiramu imwe chete yebhadharo yakanga yavakwa. Pakupedzisira, zvakazoitika kuti vakanga vasingakwanisi kubhadhara purogiramu yavakagadzira.
- Aguilar akaratidzawo kuti Colorado ndiyo imwe nzvimbo iri kure kana ichienzaniswa nehurumende seVermont. Colorado yakapoteredzwa nehurumende ine vanhu vashoma. Mumwe munhu ane basa mune rimwe guta mune imwe nyika yakapoteredza haafaniri kuenda kuColorado kunowana rubatsiro rwehutano uye achienderera mberi kuenda kumabasa avo, nokuti pane izvo zvisiri izvo zvizhinji zvevanhu vanogara munzvimbo dzakapoteredza munzvimbo dziri pedyo Muganhu weColorado. Izvo zvinyararire zveColorado vagari zvinoreva kuti nyika ine zvishoma zvekutengeserana kwepamusoro apo inosvika kune utano hwayo hwehutano kunze kwechechi duku kumaodzanyemba kwakadziva kumadokero kwakatarisana nemasvingo makuru evanhu vakaita seNew York neMassachusetts.
ColoradoCare nevakuru
Munhu wose ari muhurumende aizove akafukidzwa pasi peColoradoCare, kunyange vakwegura vacharamba vane Medicare sevanonyanya kugovera. Vatsigiri veMedare vachizove vachikwanisa kubhadhara Medicare Part B (kunze kwekuchengetedzwa) uye Chikamu D (mitemo), kunze kwekuti vari vaviri-vanofanirwa neMedare uye Medicaid (nokuti iye zvino ari maviri akakodzera, Kuverengerwa kweMedicaid kunogona kugoverwa kuwedzera kuMedare, kana, zvichienderana nemari, mari yeMedicaid inogona kushandiswa kubhadhara Medicare Part B uye D purogiramu).
Kutaura kwekuti vakwegura vane mari inobhadhara mari ichabhadhara mari yeColoradoCare premium yakave yakatorwa semashoko ekutaura pamusoro peColoradoCare, asi avo vakwegura havachazofaniri kutenga kuwedzerwa kweMedigap nokuti ColoradoCare inoshanda seMurengeti wavo wekuwedzera.
Ivhareji Medigap premium muColorado muna 2015 yaive $ 181 / mwedzi, saka Medicare yakazara yakawedzera kubhadhara mukutengeserana kweColoradoCare premium tax haisi chinhu chisingabatsiri.
Zvakadini nekunze-kwe-nyika kufamba?
ColoradoCare ingadai yakafanana neHMO maererano nehupfumi kunze kwehurumende; kuchengetedzwa kwekukurumidzira kwaizofukidzwa kunze kwehurumende, asi Colorado vanogara vanozodikanwa kuwana zvigaro zvekuchengeta mukati meColorado kuitira kuti zvibhadzwe neColoradoCare.
Sources:
Colorado Care, Zvichazoshanda Sei.Ichagadzirwa neColoradoCareYes. Yakasvika 12/28/2015.