Kupfuura kweMutengo Wokunetseka Mutevedzeri:
Nebamacare kumusoro uye kumhanya, ikozvino kuchinja kwehutano hutsva kunoita kuti vazhinji vangazvibvunza kuti sei ndichiri kuda kubhadhara nekuda kwekudzivirira kubata pamuviri ? Zvinoratidzika kuti kufamba-famba kuburikidza neAne Affordable Care Act yakasiya vakawanda vane mimwe mibvunzo kupfuura mhinduro. Saka, regai ndiedze kubatsira kubatsira imwe yenyaya iyi.
Iyo itsva yemainishuwarenzi yeAmbamacare inotarisirwa, kunyanya mabasa ekudzivirira kwevakadzi, yakatanga kushanda.
Izvi zvaive nezvakawanda zvei makashamiswa. Pasi pemutengo unochengetedzwa wekutarisira, kwekutanga, makambani einishuwarenzi achadikanwa kuvhara zvimwe zvekuchengetedza hutano hwevakadzi kuti vazadzise zvikwereti mune zvekudzivirira zvino. Aya mazano matsva anowanikwa pasi peNotengeswa Care Act inobvumira vakadzi kuwana ruzivo rwakakwana rwekuchengetedza mabasa pasina kubhadhara chikwereti, coinsurance kana deductible (inonziwo kugoverana mari).
Uye iyo cherry up, Top Affableable Care Act (pamwe nevakadzi vanochengetedza utano hwehutano) inoda hurongwa hwehutano hwehutano uhu huri kuburikidza nemushandirwi wako, hurumende yekutengeserana / kutengesa kana kuzvitenga (kunze kwevaya vanotsigirwa nevashandi vezvitendero) kuti kuvhara, pasina kugovana-kutora mari, zvose zvinogona kuitwa neDAA-inogamuchirwa nekuzvidzivirira kwekuberekwa nekupa mazano ekudzivirira kubata pamuviri. Izvi zvinoreva kuti iwe unofanira kukwanisa kuwana rubatsiro rwako rwemwedzi wekuberekwa kwekuberekwa pasina mari yekunze , sezvo mari yakazara ichafukidzwa nemari yako yepamwedzi.
Iko inshuwarisi yekambani yako haichazokwanisi kubhadhara zvikwereti zvekare zvezvibasa izvi, zvakadai sekubhadharwa kwemari kana kubhadhara.
Kuvhiringidzika Nezvekudzivirira Kunakidza
Zvose izvi zvinonzwika zvakanaka, zvakarurama? Asi pano inoratidzika kuva nekunyanyisa kukuru kunoenderera mberi. Somuenzaniso, ngatitarise Becca, anditumira mauri mazano anotevera:
"Nhasi ndaenda kunotenga NuvaRing yangu uye kambani yangu yveshuwarenzi ichiri kufunga kuti haifaniri kuribhadharira. Ndave ndiri papefoni zuva rose navo uye ndinofungidzira tinongonzwisisa mutemo zvakasiyana."
Saka ... ndiani akakodzera munyaya iyi? Zvinosuruvarisa, ivo vose vari. Iwe unoona, kunyange zvazvo Mutemo Wakatengesa Health Care wakatanga kushanda musi waAugust 1, 2012, izvi hazvirevi kuti muchawana zvikomborero zvinotarisirwa nhasi. Obamacare inongoda zvirongwa zvitsva zvehutano kuti zviite maererano nekudiwa kwekudzivirira kubata pamuviri - saka zvinoshanda chete kune zvirongwa zvakanyorwa kana kutengwa mushure mekutengeswa kwehutano hwakanaka.
Utano hwehutano hwehutano hwakanga huripo Obamacare asati aberekwa mu (kureva, haafaniri kukupa izvozvi kubatsirwa kwepabonde). Izvi zvinoreva kuti chirongwa ichi chinogona kuramba chichishanda sezvazvakaita. Asi, kana kambani yeInishuwarenzi ichiita chero kuchinja kukuru kune chirongwa (zvakadai sekuwedzera mari, kubhadharwa, kana kubvisa zvigaro, kubvisa zvikwereti zvakanyanya, kana kukwidza mitemo yepamusoro nemari yakadaro), urongwa hahuchazove wakaberekerwa. Saka, nhau dzakanaka ndeyokuti zvirongwa izvi hazvizobereki nokusingaperi. Izvo zvirongwa zvakawanda zvatove zarasikirwa nemamiriro aya.
Nokudaro kudzokera mubvunzo waBacca pamusoro pehushuwarisi yake isina kuvhara NuvaRing, izvi zvingave nokuti chirongwa chake chakaberekwa, uye ndicho chikonzero iye ari kurambwa kuparidzirwa.
Saka Sei Uchinge Uchinge Uchinge Uchinge Uchifanira Kubhadhara Kubhadhara Kuberekwa?
Zvakanaka, pane zvakare inoratidzika kuti kune zvimwe kuvhiringidzika pamusoro pezvipi zvekuvhara kwepabonde zvakavharwa. Kunyangwe zvazvo Affordable Care Act inotaura kuti vakadzi vachave nekwaniso kwekudzivirira kwemishonga yese yaDAA- YOSE mienzaniso haina kuenzana nezvose zvigadzirwa . Pasi peObamacare, zvirongwa zvekare zvinenge zvisingakwanisi kutarisa mari uye kukurudzira kushandiswa kwakanaka kwekutarisira, semuenzaniso, kuramba uchipa mari yekugoverana (co-pays, coinsurance, deductibles) yezviratidzo zvemishonga kana shanduro yemutauro iripo uye inoshanda uye akachengeteka.
Makambani akawanda einishuwarenzi ari kududzira chikamu chemurairo unovabvumira "kushandisa kurapa kwakakodzera kwekurapa kuti vabatsire kudzora mari" kureva kuti vanogona kubhadhara mari yekubhadhara kune dzimwe nzira dzokudzivirira kuberekwa asi kwete vamwe. Ichi ndicho chikonzero iwe unogona kuudzwa kuti iwe unofanirwa kubhadhara mari yekubhadhara kuti uwane NuvaRing, kana kuti mapiritsi chete ekuberekwa ekuberekwa anovharwa kunze kwekubhadhara mari.
Saka, Ndezvipi Zvandiri Kubatsira Zvokudzivirira Pasi pasi paObamacare?
Ndezvipi makambani ekushandiro ehurumende anobvumirwa kuita kana nguva yako inshuwarisi ikambani ichinyanya kusarudza uye kusarudza mishonga ipi yekudzivirira ichave isina mari?
- Kana chirongwa chako chepurogiramu chiine chinangwa chechirongwa, inshuwarisi yako chirongwa chinogona kusarudza kupa chete nzira yakasarudzika yega yega. Vangada izvozvo, kana ukasarudza zita rezita rechirwere (kana pane zvakakwana zvinowanikwa), iwe unobhadhara mutsauko wemutengo pakati pezviviri.
- Kana pasina ruzivo rwechipiri rwekudzivirira kwako, vanofanirwa kuvhara zita-chirwere chemishonga pasina co-pay. Izvi zvinoreva kuti pasi peNotengeswa Care Care Act, zvirongwa zveinishuwarenzi zvinofanira kuvhara, pasina mari kwauri, NuvaRing, Ortho Evra Patch , Depo-Provera , Mirena , ParaGard , uye Nexplanon sezvo pasina maitiro ezvimwe zvezvipembenene izvi.
- Kana pane chirongwa chimwe chete chekuvhara pamuviri kweDAA chinowanikwa muU.S., chirongwa chako chinoda kuifukidza (semuenzaniso NuvaRing ndiyo yega yekuvhara mimba, saka inofanira kuvharwa). Asi sezvo kune marudzi akawanda ekubatanidza kuberekwa kwepiritsi , makambani ezveshuwarisi ehutano anogona kuvhara zvimwe zvacho. Nokudaro mapiritsi anonyatsoputirwa asina mari yekubhadhara inogona kusiyana neurongwa.
- Kana chiremba wako achisarudza kuti zita-chinodhaka chinodhaka "chinotenderwa nemishonga" iwe, ipapo inishuwarenzi yako inofanira kugovera nzira yekuregererwa iyo ichakubvumira kuti uwane zita rako-mararamiro ekuberekwa kwemavara pasina co-pay.
- Zvirongwa zvinofanira kupa zvinopfuura mapiritsi ekuberekwa kwekuberekwa pasina. Vanofanirwa kukupa ruzivo rwakakwana rwehutano hweDAA-hwakavimbiswa-ino inosanganisira nzira dzepamutemo uye zvepamusoro pekudzivirira pamuviri.
- Zvose zvinobatsira pakudzivirira kubata pamuviri zvinoda kuisa mishonga yekudzivirira (sezvakaita IUDs ), kurayira kuberekwa, kuchengetedza uye kugadzirisa zvinokonzera kubata pamuviri, kupa mazano okuramba uchiomerera, uye kubviswa kwezvigadzirwa zvinogadziriswa zvinofanira kuvharwa ne $ 0 co-pay.
- Kubata pamuviri kusingaperi, zvakadai seEssure uye tubal ligation , inofanirawo kupiwa pasina kugovana-mari.
Zvimwe Zvokupedzisira Zvokuyeuka Pfungwa:
- Emergency contraception inonzi yakabatanidzwa inobatsira. Zvisinei, yeuka kunze kweChirongwa B Chekutanga- chiito chigadzirwa chechigadzirwa, saka urongwa hwako hwehushuwarisi hunogona kungovhara dzimwe nzira dzaro, Next Choice One Dose , My Way uye Kutora nokuda kwekuda uye kubhadhara kubhadhara kubhadharo kweChirongwa B Chekutanga.
- Kuwedzera-the-counter mishonga yekudzivirira vana yakadai sepermicides , makondomu echikadzi , uye nhasi Sponge anofukidzwa neAne Affordable Care Act. Asi, kuitira kuti idzi dzive dzakafukidzwa pasina kunze kwemari, unofanirwa kuita kuti chiremba wako anyore mishonga yezvipembenene izvi. Saka kunyange zvazvo varipo OTC, kana iwe usingadi kuti ubhadhara, iwe uchada kuwana chiremba kutanga. Zvichipa kuti mapiritsi emangwanani anotevera anewo OTC , unodawo chiremba (pasinei nezera rako) kana iwe uchida kambani yako yveshuwarensi kuribhadhara iyo. Iwe unogona kutenga izvi zvekudzivirira vana pasina mushonga - havangasunungurwi.
- Idziviriro dzekudzivirira dzinobatsira zvinongoshanda kune vakadzi . Saka pasi peCountable Care Act, inishuwarensi yako inogona kukwereta minyorwa yepayimayari kana kuti inokonzerwa nemadziro ekudzivirira kubata pamuviri, sevasectomies kana makondomu .
- Zvokurapa pamuviri nemishonga yakafanana ne RU-486 haisi pasi peChechi chakanaka chekuchengetedzwa kwehutano, saka inshuwarisi hazvidi kutarisirwa kuti ipe zvivako pasina kugovana mari.
Kuda rubatsiro?
Nemhaka yekuvhiringidzika kwose kwakapoteredzwa nekuvhara pamuviri pasi peBobamacare, unogona kubvunzwa kubhadhara kuberekwa kwekuberekwa kunofanira kuva kusununguka. Kana iwe uchifunga kuti kambani yako yveshuwarisi haisi kutevera Affordable Care Act, pane zviito zvaunogona kutora.
- Dana nhengo ye nhengo yemuteereri kumashure kweinishuwarensi yako kana kutaura kumubatsiri wemubatsiri wako kuti aone kana chirongwa chako chave chakaberekerwa uye / kana kuti kubvunzisisa pamusoro pezvipi zvekuvhara maitiro zvakavharwa.
- I National Women's Law Center yakagadzira bhuku rinobatsira kuti rikubatsire kurwira kugoverwa kwaunopiwa iwe pasi peBhuku rinotengeswa Care Act. Iri bhuku rine:
- A flow flow chart kuti ikubatsire kuziva kana chirongwa chako chakavharwa.
- A script yaunoshandisa paunoshevedza inshuwarisi yako yekinyorwa kune mhinduro / ruzivo.
- Nhamba dzemashoko ekutumira kambani yako ye inshuwarheni kana vachibhadhara kubhadhara mari yako yekubata kwako pamwe nekubatanidza kubatanidza izvo zvakadzokorora kodzero dzako.
- Mirayiridzo yekuti iwe ungaisa sei kukwidza.
Sources:
FDA. "Mazano ekuberekwa kwekuzvarwa." Office of Women's Health.
United States Department of Labor. "FAQs pamusoro pekutengeswa kwebasa rekuita basa rekushandiswa Chikamu XII." Bhizimisi Bhizimisi Zvekuchengetedzwa Kwekuchengetedza. February 20, 2013.