Kunyange zvazvo muvhareji weAmerica kutya kutarisirwa kwehutano, vazhinji veAmerica havazive kuti kutarisirwa kwehutano kwehutano kwave kuri kuitika zvakanyarara muUnited States kwemakore. Ichi hachisi chinhu chitsva, chinounzwa neChechi chakanaka Care Act . Haisi chikonzero cheBobamacare . Haisi urongwa hunofanirwa kutinyengedza kuti tive nehutano hwemagariro evanhu kana huwandu hwepasi rose .
Pane zvinopesana, hutungamiri hwehurumende huri zvishoma nezvishoma uye hwakanyarara huchitungamirira United States pasi nenzira yehutano hwekuratidzira.
Nzira yei? Capitalism Yakurudzirwa Utano Hwekugadziriswa kuUnited States?
Sezvo mari yekuchengetedza utano muUnited States yakawedzera, mari yekupa inshurensi yehutano kune vashandi uye mhuri dzavo yakawedzera kuwedzera kumabhizimusi eSU. Kunyange hurumende yehurumende yainzwa kuwedzera kwehutano hwehutano hwekurapa sezvo yakaona kuwedzera kwemari yeMedare.
Mabhizimisi aitsvaga mushandi akadhura mari yehutano inshuwo. Inishuwarenzi yehutano makambani anovandudzwa kuti azadze chido chehutano hwehutano hunochengetedza utano hwehutano huripo mukutarisa paunenge uchipa kutarisira kwakanaka Vashandi vezvehutano vakashandisa nzira dzakasiyana siyana dzekutarisa mari, kuumba rudzi rwose rutsva rwehutano inshuwarheni uye utano hwekutarisira nzira dzinozivikanwa pamwe chete sekutarisirwa kwekutarisira .
Pfungwa iyi yaiva iyo, kuburikidza nekutarisira kuchengetwa kwakapiwa, mubhadhadziro aizotarisirawo mari yekutarisira.
Kana iyo inshurensi inogona kuchengetedza mari yekupa utano hwakanaka pasi, inogona kutengesa hutano hwehutano huri mutengo wemutengo wakaderera kupfuura kukwikwidza. Vaiti vehupfumi vakakwanisa kupa hutano hwehutano inshuwarheni inoshandiswa pamusana pekurima kwema premium rates yakabudirira.
Vatengi (munyaya iyi, mabhizinesi, hurumende, uye vagari vomunyika imwechete) vakakumbira chigadzirwa pamutengo wakakodzera.
America yehutano inshuwarisi makambani akapindurwa ne innovation uye kukwikwidzana. Ndiyo hurumende mukuita. Asi, hutsva hunhu hwehutano hwehutano hunoshandiswa kuchengetedza mari mukutarisa kwaiva nekunyarara kuisa maitiro ekugadzirisa mararamiro ehutano mukati mehutano hwehutano hweUnited States.
Nzira yehutano yekushandiswa kwehutano inokubata sei
Vanhu vakawanda vanochengetedzwa muUnited States vane chirongwa chekutarisira utano hwakachengetwa seHMO , EPO , kana PPO , saka vanhu vazhinji vakawana imwe nzira yekuratidza. Kurapa kwehutano muUnited States hakusi kufanana nekutaura kuti "Kwete, haubvumirwi kuva nehutano hwehutano hwebasa." Pane kudaro, kugoverwa kwehutano hweUnited States kwakanyanyisa uye kunowanzopa mune imwe yemhando mbiri:
- Kupedza kukwanisa kune mamwe marudzi ehutano hwehutano kana vatapi vezvoutano .
- Kuwedzera zvipingamupinyi kuhutano hwehutano kuitira kuti udzivise kushandiswa kwakanyanya, kuchengetedza mari, kana kutarisirwa izvo zvisingabatsiri pakurapa .
Mienzaniso yekuchengetwa kwehutano kuUnited States kuburikidza nekudzikisa kukwanisa kune mamwe marudzi ekutarisira kana vateresi kunosanganisira:
- Pre-authorization requirements. Munyaya iyi, wako wehutano wehutano acharamba kubhadhara kurapa kwehutano kana iwe usina kuwana mvumo yehutano wehutano asati agamuchira rubatsiro. Iyi nzira inowanikwa muPPOs.
- Kuda kutumirwa kubva kuchipatara chako chekutanga usati waona nyanzvi. Munyaya iyi, wako wehutano wehutano acharamba kubhadhara mari yacho kune imwe nyanzvi kana PCP yako isingakutauri kune unyanzvi. Izvi zvakajairika muHMOs.
- Drug formularies . Zvizhinji zvekutarisira zvirongwa zvehutano zvinogadziriswa zvinorega kugoverwa kune rumwe rutivi rwemimwe mishonga. Kana chiremba wako anorayira mishonga isiri pane chirongwa chako chehutano chemishonga , chirongwa chako chehutano hachizobhadhara.
- Zvinodzvinyirira mupirogiramu maitiro anoda kuti iwe ushandise chete mu-network providers nekuda kwehutano hwako kana iwe uchida kuti kambani yako yehutano inshuwarheni ibhadharire kutarisira kwako. Izvi zvakajairika muHMO uye EPOs.
- Mutsara wokumirira wechimiro chekugadzirwa. Utano hwehutano inshuwarisi haisi iyo inokonzera kurapwa kwehutano muUnited States. Semuenzaniso, nhengo dzakapiwa chinhu chinokosha uye chakakosha; kwete munhu wose anoda imwe anogona kusvika paanorindira mutsara kuti muwane mukana wokugamuchira nhengo. Nhengo dzakarongwa.
Mienzaniso yekuti kutarisirwa kwehutano kwakarongwa sei muUnited States nekuwedzera zvipingamupinyi zvekutarisira kunosanganisira:
- Kugovana-kudhura . Kuwedzerwa kuderedza , kubhadhara mari, uye kubhadhara mari yose zvinowedzera zvakaoma kuti vashandi vehutano vakwanise kuwana rubatsiro nokuti mutengi anofanira kutanga kuuya nemari. Kugovana-kugoverwa zvinodikanwa kuri kuwedzera kune mwedzi wepamwedzi vatengi vanobhadhara kuti vatenge inshuwarhu yehutano. Dhora roga roga munhu anenge achibhadhara kuti atarisire inowedzera mukana wekuti iye haazokwanisi kukwanisa kutarisira. Saizvozvowo, dhora rega rega yekugovana mari inoderedza huwandu hwevanhu vanozowana hutano hwehutano hwakadaro.
- Kubhadhara kwehutano inshuwarisi uye utano hwakanaka ndiyo inenge yakanyanya muenzaniso wekutarisira kurapwa kwehutano. Mukutaura, kubhadhara utano hwehutano uye utano hwehutano inshuwarano inokosha pakugovera kurapwa kwehutano kunobva kana kana munhu asingagoni kubhadhara kana kuti kwete. Avo vanogona kuripa nokuda kwaro vanotarisira; avo vasingakwanisi kuripa havatarisiri. Iko kugadzirisa kwezvemari.
Cherechedza kuti rubatsiro rwehutano huripo rweCountordable Care Act hunosanganisa kuderedza iyi yekupedzisira yekugadzirisa nekupa rubatsiro rwemari kune avo vasingakwanisi kutenga inshuwalhu yehutano ivo pachavo.
Iro Utano Hwakanaka Kuratidzira Zvakaipa, Zvakanaka, Kana Zvakaipa Zvakakosha Here?
Kunyange zvazvo takaita rutsigiro rwehutano muUnited States kwemakore, pfungwa yehutano hwekuchengetwa kwezvoutano ichiri kusakanganiswa muUnited States. Sarah Palin akafuridzirwa mupfungwa iyo apo akati "Affordable Care Act" yaizogadzira "kufa mapeji" aizotarisa kuti ndiani aizotarisira uye achazosiyiwa afe asina hanya.
Zvaizova zvakanaka kudai nyika yakanga ine zvigaro zvisingagumi uye munhu wose aigona kuva nezvose zvavanoda. Zvisinei, iyo haisi nyika yatiri kurarama nayo. Chokwadi chakasimba ndechokuti kutarisira utano ndiko chinhu; mari inowanikwa.
Vanachiremba uye vanamukoti vanopa utano hwakanaka senzira yekuwana mari, kutsigira mhuri dzavo, kubhadhara zvikwereti zvavo. Makambani emishonga anoita zvinodhaka zvavanogona kutengesa pane purofiti. Kana kambani ikasaita purofiti, ichabuda kunze kwebhizimisi uye haichazovipo kuti iite chero yemishonga gore rinouya.
Vanhu vazhinji vanofunga kuti hutano hwakanaka hunofanira kunge huri kunze kwehutungamiri hwevanhu, hunofanirwa kunge huri hwomunhu hwekodzero yakapiwa kuvanhu vose nokuti vanhu havagoni kurarama pasina utano hwehutano. Zvisinei, muUnited States zvinhu zvakawanda vanhu havagoni kurarama kunze kwezviyero zvinowanikwa mune zvehupfumi.
Vanhu havagoni kurarama pasina zvokudya, asi isu tinofanira kubhadhara zvokudya muchitoro. Vaya vari pamatampu ezvokudya vanofanira kunyatsotarisa mari iyo hurumende inopa kuitira kuti irege kupedza zvokudya. Vanhu havagoni kurarama vasina pokugara kubva kune zvinhu, asi tinofanira kubhadhara dzimba uye zvekufuka. Avo vasingakwanisi kubhadhara vanotambura.
Kunyatsotarisana kwehutano kwakaipa here? Mune dzimwe nzira, hongu. Vanhu vanotambura pavanodzokazve kutarisira ivo vasingagoni kuwana kana kana vachienda pasina utano hwakanaka.
Kutarisira kurapa kwehutano kwakanaka here? Mune dzimwe nzira, hongu. Kugovera kuchengetedza kunotibatsira kushandisa zvishoma zvatinowana zvisizvo nekuchenjera, kutora uye kusarudza pakati pekusarudza uye kuedza kuwana kungova nehanya chete kunonyatsodiwa.
Pakupedzisira, kurariswa kwehutano ndiko kuipa kwakakosha. Tagara tichirarama nazvo sezvo madzitateguru edu aibhadhara chiremba weguta nehoku. Tinorarama nayo iko zvino kana tichifanira kuwana MRI scan yedu isati yatenderwa neurongwa hwehutano hwedu. Tichararama naro mune ramangwana chero bedzi nguva nemari zvipera zviwanikwa.