Inshuwalansi ya umoyo ndi inshuwalansi yomwe idzapereke ndalama zowonjezera ndalama kuti mupeze ndalama za mankhwala kapena mankhwala. Olemba ntchito-omwe amapatsidwa inshuwalansi ya umoyo, omwe amadziwikanso ndi inshuwalansi ya inshuwalansi, amapereka antchito osiyanasiyana njira zowonjezera inshuwalansi.
Malangizo omwe amapatsidwa ndi ogwira ntchito amasiyana ndi njira zawo zopezera
Malingana ndi Healthinsurance.org, a ku America omwe ali ndi chithandizo chamankhwala, pafupifupi 60% amapeza chithandizo chawo kudzera mu dongosolo lomwe amalandira. Mu magulu awa mapulani azaumoyo, abwana amalipira malipiro awo, kapena gawo la mkango, lomwe limapereka ndalama zambiri zothandizira zaumoyo zomwe zimasiyana ndi ndondomeko.
Kawirikawiri, mapulani a inshuwalansi a magulu a zaumoyo amayendera mtengo wa maofesi azachipatala kukayendera matenda ndi kuyang'anira, kuchipatala, kuzipatala zam'chipatala, kayendedwe ka ambulansi, ntchito, mankhwala, komanso mankhwala osokoneza bongo, kupereka zitsanzo zingapo za ntchito zothandizira zaumoyo. Koma, ndondomeko iliyonse ndi yosiyana ndipo izi zimapangitsa wogwira ntchito kuti azidziwe zambiri za ndondomeko ya bwana wakeyo asanapindule.
M'zaka zaposachedwapa, chifukwa cha mtengo wa chithandizo chamankhwala ukuwonjezeka, antchito akulipira kuchulukitsa kuchuluka kwa mtengo wa inshuwalansi yawo ya inshuwalansi, kawirikawiri kupyolera mu kuchotsera malipiro.
Zolinga zina zimaphimba antchito omwe ayenera kulipira mtengo wa anthu ogwira ntchito ku inshuwalansi. Kuonjezerapo, pafupifupi ndondomeko iliyonse ili ndi udindo wolipirira (wogulitsa) omwe wogwira ntchitoyo amapereka malipiro oyenera kuti adziwe gawo lina la chithandizo chachipatala chomwe chimaperekedwa, kawirikawiri kuyambira $ 10-40.00.
Kuwonjezera pa kuchepetsa mtengo wa chithandizo cha zaumoyo kwa antchito, chithandizo chachiwiri cha ndondomeko yomwe amathandizidwa ndi abwana ndikuti amapereka chitsimikizo chotsimikizika; kampani ya inshuwaransi iyenera kufunsa onse ofuna ntchito kuti ayenerere kugwira ntchito.
Kawirikawiri, ndondomeko zogwiritsidwa ntchito ndi ogwira ntchito zingathe kuphatikizapo zosankha zambiri. Kuchokera ku mabungwe okonza zaumoyo (HMOs) ndi mabungwe omwe amapatsa opaleshoni (PPOs) kumapulani omwe amapereka chithandizo choonjezera monga inshuwalansi ya mano, inshuwalansi ya moyo , inshuwalansi yalemale , ndi inshuwalansi yanthaŵi yaitali , malingaliro a zaumoyo omwe angathandizidwe angagwiritsidwe ntchito kukwaniritsa zosowa za inshuwalansi za ogwira ntchito.
Kusintha Kudzafika ku Health Insurance Coverage
Mu 2010, Pulezidenti Barack Obama adasintha lamulo loti Wodwala Chitetezo ndi Wodalirika Wothandizidwa. Zikuyembekezeredwa kuti kusintha kwakukulu kwa malonda, inshuwalansi, ndi ndalama zomwe zidzawonongeke zidzachitika chifukwa cha lamuloli.
Malamulo osiyanasiyana a inshuwalansi yothetsera inshuwalansi adachotsedwa kuyambira mu 2010 mpaka zaka khumi ndi ziwiri. Zosintha zina zokhudzana ndi kufalitsa ana kwa zaka 26 ndi anthu omwe alipo kale ndi zina zomwe zachitika kale. Zambiri zinanenedweratu.
Olemba ntchito ambiri akuyembekeza ndalama za inshuwalansi kuwonjezereka komanso zotsatira za ntchito yathanzi. Zotsatirazi, zabwino, kusintha ndikulongosola zomwe zikupezekapo komanso zopindulitsa, ndipo poipa kwambiri, zingapangitse olemba ntchito kuti asakwanitse kupereka chithandizo cha inshuwalansi chokhudzana ndi ntchito.
Palibe amene akudziŵa zofunikira zonse kapena zotsatira za kusintha kwakukulu kwa inshuwalansi ya umoyo ndi chisamaliro ku US.
Inshuwalansi ya umoyo ndizopindula ndi ogwira ntchito. Kufunafuna antchito sikungaganize kulandira ntchito yomwe siipereka chithandizo cha inshuwalansi monga wogwira ntchito.
Chodziletsa - Chonde Dziwani:
Susan Heathfield amayesetsa kupereka zolondola, zowonongeka, zowonongeka kwa anthu, ogwira ntchito, ndi malangizo a malo ogwirira ntchito pa webusaitiyi, ndipo akugwirizanitsidwa ndi webusaitiyi, koma sali woyimira mlandu, ndi zomwe zili pa tsambali, pomwe ovomerezeka, satsimikiziridwa kuti ndi olondola komanso ovomerezeka, ndipo sayenera kutengedwa ngati uphungu walamulo.
Malowa ali ndi malamulo padziko lonse lapansi komanso malamulo ndi ntchito zimasiyana kuchokera ku mayiko ndi mayiko kupita kudziko, choncho malo sangathe kukhala otsimikizika pa onse ogwira ntchito.
Pamene mukukayikira, nthawi zonse funani uphungu kapena thandizo lovomerezeka ndi boma, Federal, kapena International boma, kuti muzitha kuwamasulira movomerezeka ndi zisankho. Zomwe zili pa tsamba lino ndizo zitsogozo, malingaliro, ndi chithandizo chokha.