Apo Nguva Inopera
Vanhu vazhinji vanobhadhara nekuda kwehutano hwavo. Mari yavanobhadhara inobva pane chirongwa chehutano chavanoshandisa.
Zvingave kuti mumwe munhu ari paMedare , chirongwa cheUrano Insurance Marketplace, inishuwarenzi yakabhadharwa nevashandirwi, kana imwe hurongwa hwehushuwarisi yega yega inofanirwa kubhadhara miriyamisi yemwedzi pamwedzi kuti ishandise chirongwa ichocho. Vachabhadharawo madharai pamwe chete nemapayiniti uye coinsurance nokuda kwebasa ravanowana.
Medicaid , zvisinei, inoshanda zvishoma zvakasiyana. Zvichienderana nehurumende, Medicaid maitiro angave akasununguka kune vamwe vanhu. Zvimwe asi kwete zvese zvese zvinoda premiums; zvimwe zvinoda mapepa. Dzimwe hurumende dzakatotanga kuita basa rinodiwa kuti rione kugona. Ikozvino mazano eMedicaid ndezvekuwedzera zviyero zvehupenyu purogiramu.
Pasinei neurongwa hwehutano hunoshandiswa, zvingave zvinotyisa kudzidza kuti, kunyange kana mumwe munhu achibhadhara mugove wavo, zvavanogona zvinogona kubviswa mushure mekunge imwe nguva yenguva, pasinei noutano kana chidikanwi. Kana chirongwa cheMedicaid chikapfuura, chinotevera rutivi rurefu rwemiganhu yehupenyu yakagadziriswa nevatsigiri vekare.
Zviitiko Zvoupenyu Pamwe Pamusoro PeInishuwarenzi
Pamberi peNotengeswa Care Care Act (ACA) yakapfuura muna 2010, makambani einishuwarenzi ega ega aive neyo nzira yekuwedzera miganhu yeupenyu muupenyu hwavo.
Haisi kungoti vatengesi vawedzera mari yekubhadhara mari yevanhu vakanga vagara varipo , vakamira kubhadhara kuchengetedza mushure mekunge imwe mari yaive yakashandiswa.
Kunyangwe paive nemiganhu yegore negore kana muganhu wehupenyu (chiyero cheumwe munhu akanyoresa muurongwa) inotaridzika kuti mubhadhari aizobhadhara zvakadini, vabatsiri vaizobatanidzwa nezvose zvakasara mari mushure mokunge muganhu wacho wasvika.
Ndinofara, ACA haina kubvisa chete nemamiriro ezvinhu epreexisting asi nemiganhu yegore negore uye yeupenyu, kunyanya kana ine chokuita nehutano hunobatsira .
Vanhu vakanga vachirwara havachazosiyiwa vasina utano hwehutano kana vaida zvikuru.
Zviitiko Zvoupenyu Hwose Pamutara
Medicare ndiyo chirongwa che federal chinopa kutarisira vakwegura uye / kana avo vane uremara hunokodzera. Chikamu A , chimwe chezvikamu zvina zveMedare, inopa kugoverwa kwechipatara chisina kuvharirwa , kugara kwenguva pfupi muzviremba vane unyanzvi , uye hospice .
Kunyange zvazvo vanhu vakawanda vasingabhadhari kubhadhara mari yePaundi A , izvozvo hazvirevi kuti hazvina kusununguka. Deductibles uye coinsurance inofanira kubhadharwa nokuda kwebasa rakapiwa panguva imwe neimwe yekubatsira. Iko kunewo nguva yehupenyu yekuchengetedza mazuva okufungisisa.
Chikamu A chinofukidza mazuva 90 muchipatara chero nguva ipi zvayo inobatsira. Mushure mekubhadhara iyo yakagadzirirwa, mazuva ekutanga makumi matanhatu makumi matanhatu ehurukuro kune avo vanobatsirwa. Muna 2018, mazuva 61 kusvika ku90 achange achida mari ye $ 335 pazuva. Mushure memazuva makumi mapfumbamwe, mubhadhari achabhadhara mari yose kubva muhomwe kana kuti zvimwe zvinopinda muhupenyu hwavo hwekuchengetedza mazuva. Ndizvo izvi, ivo vachabhadhara $ 670 pazuva pazuva rega rega rekuchengetedza zuva. Munhu mumwe nomumwe ane mazuva makumi matanhatu emazuva akadaro avanogona kushandisa pane hupenyu hwavo hwose.
Zuva rekuchengetedzwa kwemazuva rinogona kushandiswa mune imwe chipatara kugara kana kuti kune dzimwe nguva dzinogara. Izvo zvinoenderana nezvinodiwa nemumwe munhu.
Zvisikwa zvehupenyu zveMedicaid
Medicaid inobhadharwa pamwe chete nehurumende nehurumende asi huri kutungamirirwa nehurumende.
Kunyange zvazvo hurumende yehurumende inotarisa zvishoma zvishoma zveMedicaid kugoverwa, hurumende imwe neimwe inogona kurongedza kuchinja kune iyo mitemo kuburikidza ne1115 Medicaid waivers .
Kusvikira iye zvino, Indiana neKentucky vave nemagetsi anogamuchirwa nehurumende yehurumende kusanganisira basa rinodiwa kuMedicaid kukodzera. Pfungwa iyi ndeyekuti "vakakwanisa" vanhu vanofanira kukurudzirwa kushanda. Kuita izvi kwaizowedzera kukanganisa kwavaizoita kuwana mazano ekushandira-mazano, pane kuvimba neMedicaid. Vamwe vasere vanotaura, kusanganisira Arizona neMaine, vane basa rinodiwa rekuchengetedza.
Iye zvino, zvishanu zvichitaura nezvehupenyu hunodiwa pane zvinobatsira.
Vana, vakadzi vane pamuviri nevarume vane hurema vanogona kusunungurwa kubva pamiganhu yekuvhara. Zvechokwadi, zvinoratidzika kuti "vakagwinya" veAmerica vari kutarirwa nematongerwo enyika pazvinouya kumiganhu yeupenyu.
Arizona uye Maine vakaenzanidza mararamiro avo emararamiro emabasa ekushanda. Iawa ndiyo inotanga kumira kana vanhu vasingakwanisi kuita basa rinodiwa nehurumende iyoyo. Kansas, Utah, uye Wisconsin vari kutsvaga miganhu yeupenyu hwevana vakuru vasina vana kana kuti kwete ivo vanosangana nebasa rinodiwa. Izvozvi, vazhinji vasina vanhu vasina mwana vakangova vakakodzera purogiramu mushure mokunge Medicaid ikuwedzere.
| State | Basa Rinodiwa | Nguva |
| Arizona | Ehe | Makore mashanu |
| Kansas | Aihwa | 36 mwedzi |
| Maine | Ehe | 36 mwedzi * |
| Utah | Aihwa | Makore mashanu |
| Wisconsin | Aihwa | 48 mwedzi |
* Maine inofanirwa kupedza kuparidzira kwemwedzi mitatu chete panguva ipi neipi yemwedzi 36.
Kunetseka kwakasimudzwa pamusoro pezvirevo izvi.
Chokutanga uye chakakosha, havasi vose vanobhadhara mubhadharo vanopa hutano hwehutano. Kunyangwe kana mumwe munhu achiita zvinodiwa nebasa, vangave vasina kukwanisa kune dzimwe nzira dzehutano. Muganhu weupenyu hwese unogona kupomera vanhu zvichienderana nemitemo yavanoshandira, chimwe chinhu chisiri mukati mavo.
Vamwe vanopikisa kuti Medicaid inotarisirwa kuva sekuchengetedzwa kwemambure, kwete hurongwa hwehutano. Vanhu vanorwara uye vari mumatambudziko vanogona kuve nehutano hwavo huripo huchabviswa kana vachihuda zvikuru. Inosvika panyaya yezvetsika.
Shoko Rinobva
Muna 2010, ACA yakamisa vatsigiri vevamwe vekuchengetedza vasiri vega kubva pakuisa miganhu yehupenyu pamigumisiro yehutano inokosha, kunyange zvazvo vachikwanisa kuisa miganhu pane mamwe mabasa. Medicare inogadzirisa kuti inguva yakawanda yezvipatara iyo ichavhara. Iye zvino Medicaid inogona kurongedza miganhu yeupenyu, zvakare. Zvishanu zvehurumende dzakatumira 1115 waivers kuti dzikumbire kuchinja kune maProjectid yavo. Zvingave zvichipindirana nebasa rekushanda kana kuti kuwedzerwa kweMedicaid, vanhu vangangotarisana nekunonoka kwekuwana kutarisira utano.
> Sources:
> Pamusoro peAACA: Batsirwa Zvikwereti. Dhipatimendi reUnited Health Health and Human Services. https://www.hhs.gov/healthcare/about-the-aca/benefit-limits/index.html. Yakarongwa musi waJanuary 31, 2017.
> Mitemo Yokupedzisira yeMhuri Dzakaberekwa, Preexisting Chirongwa Chisingawaniki, Lifetime uye Zvigaro zvegore negore, Rescissions, Dependent Coverage, Kudaidzwa, uye Mumiriridzi Anochengetedza Pasi Penyu Rinogadziriswa Mutemo. Mitemo yekupedzisira. Internal Revenue Service, Dhipatimendi reMariki; Zvikomborero Zvevashandi Kuchengetedzwa Kwekuchengetedza, Dhipatimendi reVashandi; Nzvimbo dzeMedare & Medicaid Services, Dhipatimendi reHutano neHuman Services.Kubhabhatidzwa. 2015 Nhamba 18; 80 (222): 72191-294. https://www.gpo.gov/fdsys/pkg/FR-2015-11-18/pdf/2015-29294.pdf.
> Haefner M. 5 States Tsvaga Waiver kuti Ipai Muupenyu Mazuva Oupenyu Medicaid Maximum Limits: Zvinhu 6 Kuziva. Becker Hospital Hospital. https://www.beckershospitalreview.com/payer-issues/5-states-seek-waiver-to-impose-lifetime-medicaid-coverage-limits-3-things-to-know.html. Yakavandudzwa February 7, 2018.
> Inpatient Hospital Care. Medicare.gov. https://www.medicare.gov/vhoti/hospital-care-inpatient.html.
> Musumeci M, Rudowitz R, Hinton E, Antonisse L, Hall C. Chikamu 1115 Medicaid Zviratidzo Zviratidzo: Iko Mazuva Ano Akagamuchirwa uye Akamirira Waivers. Henry J. Kaiser Family Foundation. https://www.kff.org/medicaid/issue-brief/section-1115-medicaid-demonstration-waivers-the-current-landscape-of-approved-and-pending-waivers/. Yakabudiswa naFebruary 1, 2018.