Makambani eInishuwarenzi anoshandisa mvumo yapamberi yekuchengetedza kurapa kweutano mukutarisa
Imvumo yekutanga ishoko rokuti chiremba wako anowana chibvumirano kubva kune unopa utano wehutano asati agadza mishonga chaiyo iwe kana kuti kuita chimwe chekushanda. Pasina izvi zvinotenderwa kare, mushandi wehutano wehutano wehutano haagoni kugovera, kana kubhadhara, mishonga yako kana kushanda, achikusiya iwe kuti uvhare zvimwe, kana kuti zvose, zvezvinodhura kubva muhomwe.
Nei Utano Bhizimisi Vanoda Kuti Vavimbe Vavabvumirwe?
Pane zvikonzero zvakasiyana siyana zvekuti utano hwehutano hwehutano hunoda hurumende inotanga. Kambani yako yveshuwarhu yehutano inshumo inoshandisa chiremera chinotarisirwa senzira yekuchengetedza mari yekuchengetedza hutano mukuongorora. Inoda kuve nechokwadi chokuti:
- Basa iri kana chirwere chaunenge uchikumbira chinonyatsoda kurapa .
- Basa racho kana kuti zvinodhaka zvinotevera zvinokurudzirwa kusvika kunezvino.
- Iyo mishonga ndiyo inonyanya kukoshesa kurapa nzira inowanika pamamiriro ako. Semuenzaniso, Drug C (inodhura) uye Drug E (inodhura) zvose zvinoshandisa chirwere chako. Kana chiremba wako akaraira Drug E, chirongwa chako chehutano chingada kuziva kuti nei Drug C isingashandisi zvakafanana. Kana uchikwanisa kuratidza kuti Drug E ndiyo nzira yakanakisisa, inogona kunge yakagadzirirwa. Kana pasina chikonzero chekurapa chikonzero nei Drug E yakasarudzwa pamusoro pemiti inodhura Drug C, hurongwa hwako hwehutano hunogona kuramba kugamuchira Drug E.
- Basa racho harisi kudzokororwa. Izvi zvinoshungurudza apo nyanzvi dzakawanda dzinobatanidzwa mukutarisira kwako. Somuenzaniso, chirwere chako chemapapu chinogona kuraira chifukidzo CT scan , kwete kuziva kuti, mavhiki masere apfuura, iwe wakanga uine chifu che CT chakarayirwa nechiremba wako wekenza. Muchiitiko ichi, wako insurer haazogoni kutendera chikamu chechipiri kusvikira ichiita kuti chirwere chepamupa chako chione kuve iwe waive nemavhiki maviri apfuura uye unotenda kuti kumwe kuwedzerwa kunokosha.
- Basa rinopfuurira kana rakadzokorora ririkubatsira iwe chaizvoizvo. Somuenzaniso, kana wakanga uine kurapwa kwemwedzi kwemwedzi mitatu uye uri kukumbira mvumo yeimwe mwedzi mitatu, ingano yekurapa inobatsira zvechokwadi here? Kana uri kuita zvishoma nezvishoma, kufambira mberi kunogona kuenzaniswa, mwedzi mitatu yakawanda inogona kunge yakagadzwa kare. Kana iwe usiri kuita chimwe chinhu mberi, kana kana PT ichikuita kuti uwedzere kunzwa zvakanyanya, urongwa hwako hwehutano hahugoni kupa mimwe zvirongwa zveP PT kusvikira uchitaura nachiremba wako kuti anzwisise kuti nei achifunga imwe mwedzi mitatu PT ichakubatsira.
Muchidimbu, chirevo chekugadzwa kwekutanga kune imwe nzira inzira yekuenzanisa utano hwehutano . Urongwa hwenyu hwehutano kuyananisira kubhadhara kusvika kune mishonga inodhura uye masangano, kuve nechokwadi kuti vanhu chete vanowana mishonga iyi kana masangano ndivo vanhu vane mishonga kana basa rakakodzera.
IAACA (Obamacare) uye mvumo yapamberi
The Affordable Care Act, yakasayirwa mutemo muna 2010 (uye inotarisana kubviswa uye kugadziriswa pasi peHurumende Inotungamirira ) zvikuru inobvumira bhizimisi kuti varambe vachishandisa kushandisa mvumo yekare sekuti nzira yekudzivirira mari uye kuvimbisa kuti varwere vari kuwana mushonga unoshanda.
Asi inorambidza zvirongwa zvehutano zvisiri izvo zvakakura zvisingaiti mvumo yekutanga kuona OB-GYN uye inobvumira varwere kuti vasarudze dhigirii ravo rekuchiremba (kusanganisira vanachiremba vevana kana kuti OB-GYN).
Iro inorambidza zvirongwa zvehutano kubva kune chikonzero chekugoneswa kwekukurumidza kune imwe nzvimbo kuchipatara.
Yakarongwa naLouise Norris.
> Kwakabva:
> Centers for Medicare neMedicaid Services. Nzvimbo yeVatengi Ruzivo uye Inishuwarenzi Kutarisa. The Affordable Care Act's New Patient Bill of Rights.