Kutheni naziphi na iziCwangciso zeNkcazo zezeMpilo zikaZwelonke kufuneka ziKhusele ukunakekelwa koNcedo
Injongo yokunyamekela ukukhusela kukunceda abantu bahlale bephilile.
Iingcamango kukuphelisa izifo kwi-bud ngaphambi kokuba zibe yintlekele. Okugcina unyango lwempilo luphantsi kweendleko. Kwakhona kugcina abantu bevelisa, bebenza bakwazi ukuqhubeka bezuza kakuhle kwiminyaka yabo yobudala. Uninzi lwabantu aluqapheli ukuba iindleko zokunakekelwa kwempilo yiNombolo 1 yokubangela ukuphazamiseka . Akwazanga ukuba iipesenti ezingama-46 zabantu abahlala umhlala phantsi zaphoqelelwa kuyo ngaphambi kokuba zilungele ngenxa yeengxaki zonyango.
Ukunakekelwa koKhuseleko okuNqanda ukuNciphisa iindleko zonyango lwezempilo
Ukunyamekela ukukhusela kunceda iindleko zokunakekelwa kwempilo eMzantsi Melika ngokukhusela izifo phambi kokuba zidinga ukunakekelwa kwegumbi lexakeka. Kutheni le ngxaki? Ukunyamekelwa kwezibhedlele kubiza kakhulu, okwenza i-third-thirti yazo zonke iindleko zonyango eMelika. Inani leendwendwe zamagumbi okongxamiseko landa, ukusuka kwizigidi ezili-115 ngo-2005 ukuya kwizigidi ezili-136 ngo-2011. (Umthombo: iShidi leNkcazo, iZiko leSizwe leeNkcukacha zeMpilo, ngoJulayi 2014.
"Iphepha leNkcazo," iZiko leSizwe leeNkcukacha zezeMpilo, ngoFebruwari 2014.)
Esinye sezizathu kukuba abaninzi bawasebenzisa igumbi lexakeka njengogqirha wabo oyintloko. Phantse isiqingatha sazo (iipesenti ezingama-46,3) zahamba ngenxa yokuba babengenayo enye indawo eya kuyo ukunakekelwa kwempilo. Oku kuyinyani ngokukodwa kwi-uninsured.
Iindleko zokunakekelwa kwegumbi loxakeka ngongxamiseko kwi-uninsured yi-$ 10 yezigidigidi ngonyaka. Eli xabiso liya kutshintshwa kwiimali-mali ze-inshorensi zezempilo kunye neMedicaid. (Umthombo: " Ukusetyenziswa kweGumbi eliPhezulu phakathi kwabakudala abakhulileyo 18-64: Ukukhululwa kwangaphambili kweeMvavanyo ezivela kwi-National Survey Survey Survey, ngoJanuwari-Juni 2011 ," amaziko okuLawula nokuKhusela iMiyo, ngoMeyi ka-2012. " (EMTALA): Yintoni na kwaye kuthetha ntoni ngabagqirha, "iSiko leSizwe lezeMpilo, ngo-Oktobha 2001.)
Esinye isigamu sahamba kuba ugqirha wabo wabathumela. Ngokudabukisayo, ezine ezineziphumo ezibangela ukufa-isifo senhliziyo, umhlaza, i-COPD, kunye ne-stroke-kubangelwa zizifo ezingapheliyo ngokupheleleyo. Isifo senhliziyo kunye nokubethelwa kubangelwa kukutya okungondleki kunye nokukhuluphala. Umdlavuza womlenze (uhlobo oluqhelekileyo) kunye neCOPD kubangelwa ngokutshaya. Ukunyameka kwimeko yengozi kwezinye iindlela eziqhelekileyo zomhlaza. (Imithombo: "I-Cancer kunye neLung Cancer", "phantsi koMthetho wezeMpilo, iiColonoscopies zikhululekile," i-Kaiser Health News, ngo-Ephreli 25, 2011.)
Ngaphambi kokuba bafike kwindawo yokuxakeka kwimeko yexakeka, izifo ezingapheli zibiza kakhulu ukunyanga. Ingxenye yabantu abadala baseMelika banesifo esingapheliyo, kodwa banembopheleleko yeepesenti ezingama-85 zeendleko zonyango.
Bahlawula i $ 7,900 nganye, amahlanu ngaphezu komntu onempilo. Izigulane ezininzi ziyakhathala ngokuthatha amayeza amaninzi, okanye ayikwazi ukuwufumana. Xa bekhawuleza, baqhutyelwa kwigumbi lokuxakeka ngeentliziyo, ukubetha, kunye nezinye iingxaki. (Umthombo: "Impembelelo yezifo ezingapheliyo kwiZonyango," kwiMpilo eseMpilweni, 2014.)
Isibhedlele saseParkland "IsiQonga seFlyer Programme"
Isibhedlele saseParkland sisekwinqanaba eliphantsi lokufumana imali lase Dallas, eTexas. Phantse iipesenti ezingama-85 zezigulane zayo zingenakunikwa inkxaso okanye kwi-Medicaid. Isibhedlele sichitha iiRandi eziyi-871 yezigidi kwiinkathalo ezingapheliyo, ngaphezu kwesiqingatha sesabelo-mali sazo. Kwakhona iipesenti ezi-2 zazo zonke izibhedlele ezingabhatalwa kwi-United States. Esinye isizathu kukuba iibini zantathu zomhlali waseDallas zinomshuwalense wezempilo.
Ngo-2015, iParkland yakha "inkqubo ehamba phambili".
Ijolise kwizigulane ezazivakatye esibhedlele ubuncinane ngamaxesha angange-10 kwinyanga edlulileyo. Abanye babo babenemali ehlawulwa yonyaka engama-100,000. Phantse bonke babengenamakhaya ngexesha elithile kunyaka odlulileyo. Ngokomzekelo, indoda enye yayisegumbini lezongxamiseko ezilihlandlo ezili-12 kwiintsuku ezingama-30 ezedlulileyo.
I-Parkland Centre ye-Clinical Innovation ibhekisela kwiiproferensi eziqhelekileyo ezikhuselekileyo zokungenamakhaya kunye nokutya. Iminikelo yangasese ehlawulwa yinkqubo yekhomputha eyenza ukunyamekelwa kwezi gulane zifumana ngaphandle kwesibhedlele. Idibanisa isebe lomlilo, inkqubo yesikolo kunye neekholeji zasekuhlaleni. Ngokomzekelo, inkqubo yesikolo inokuqinisekisa ukuba abazali bazalisa amayeza e-asthma.
I-Obamacare yayiyingxenye yesizathu sokuba iParkland inqume ukuthatha inyathelo. Ihlawulise iintlawulo ze-Medicare kwizibhedlele ezinokufunda ezininzi. Yenza isizathu sezimali seParkland ukusebenzisana namaqela asekuhlaleni ukugcina izigulane zayo ezingenamakhaya ziphilile.
I-ACA ixhomekeke ekuKhuselweni koKhusela ukuCoca iindleko
UMthetho woNonophelo ongenakunqwenela unesicwangciso sokunyamekela sokukhusela. Kufuneka ilandelwe yiphina inkqubo yokuphucula impilo yoncedo efuna ukunciphisa iindleko. Ifuna iinkampani zomshuwalense, i-Medicare, kunye neMedicaid ukubonelela ngeenkonzo zokunyamekela ngokukhusela. Kuchanekile, zonke iinkqubo ezingama-50 eziphakanyiswe yi-US Preventive Services Task Force azikho i-copay. I-Obamacare idinga ukuba bafakwe njengenxalenye yezibonelelo ezi- 10 ezibalulekileyo . Ezi nkonzo zibandakanya:
- Ukunakekelwa kweMaternity kunye nosana olusandul 'umntwana olutsha - Oku kuthathwa njengenyango lokukhusela ngenxa yokunciphisa ukutya okunomsoco kunye nokunxiliswa kobisi / izidakamizwa kunina kunokuba uphathe ukuzalwa kwangaphambi kokuzalwa kunye nesifo sengqondo sokusela. Ezi zibandakanya ukutyelela ngokufanelekileyo kwindoda, ukunyanzeliswa kwindlobongela yasekhaya, kunye nenkxaso yokusetyenziswa kokuncelisa nokukhulelwa. Ukufumana okungakumbi, jonga ukuNikwa kweNkxaso yoKhuselo.
- Ukwelashwa Kwempilo Neengqondo - Iingaphezu kwe-40 ekhulwini zee-610,000 ezingenamakhaya eMelika ziye zazingatshatanga iingxaki zempilo yengqondo kunye neyokuziphatha. Ekhohlo engaphendulwanga, ixabisa abantu abaninzi kwiindawo eziphuthumayo, amanyathelo amapolisa kunye neentolongo. Ngokomzekelo, umntu ongenamakhaya usesikhungweni sesineentsuku ezine ukuvakatyelela ngokuqhelekileyo kunokuqhelekileyo, abahlawuli berhafu abanokuhlawula i-$ 2,414 ngaphezulu. Xa bevalelwa entolongweni, batyala abahlawuli berhafu i-14,480 ngemali nje kuphela ngenxa yokuhlala ubusuku.
- IiNkonzo kunye nezixhobo zokunceda abantu abanokulimala, abakhubazekileyo okanye izimo ezingapheliyo-ezininzi izicwangciso zibandakanya iinkonzo kunye nezixhobo zokukunceda ukuba uphinde ufumane ukulimala okwethutyana, njengomlenze ophukileyo. I- ACA idinga ukuthengiswa kweempahla kunye neenkonzo ukunceda ugcine umgangatho wokuphila xa ufumana isifo esingapheliyo, njenge-multiple sclerosis.
- Iimvavanyo zebhabhu - Ezi zimele zifunyenwe iipesenti ezingama-100 ukuba i-diagnostic njengoko ithathwa njengolukhuseleko. Ukuba sele usufumene ukuba unesifo, ii-copay yakho rhoqo kunye needucucbles ziya kusebenza.
- Ukunyamekela kwezilwanyana - Ukunyamekelwa kwamazinyo kunye nombono kufuneka kugqitywe.
- Iziyobisi zamachiza - Zonke izicwangciso ezidweliswe kwiintengiselwano ziya kubandakanya ukuhanjiswa ubuncinane kwezilwanyana kuwo onke amacandelo kwi-US Pharmacopeia. Nantoni na oya kuhlawula ngayo i-pocket yezilwanyana ziya kubalwa ngokubhekiselele kwi-deductible yakho, engeyinyaniso kuzo zonke izicwangciso ze-inshorensi phambi kwe-ACA. Kananjalo bahlala benika le nto ngeendleko.
Ukuba Ufuna Ukufumana Ukuzinyamekela Kwe-Obamacare
I-Obamacare Isebenza Kanjani? | I-Obamacare Iqala nini? | Ingakanani i-Obamacare Iya kuxabisa? | Indlela yokufumana i-Obamacare | Iinkonzo kunye neNgcaciso | Iinyaniso Ngokuphathelele U-Obamacare | Iindleko Zinyaniso kwiSizwe