Kusamalira Amishonale ndi Mankhwala Opaleshoni

Zimene Ophunzira Anakuuzani Pankhani Yothandiza Amishonale

Ndalama zamankhwala ndi zamano ndi inshuwalansi ndalama zimakhudza anthu ambiri, koma mumapeza chiyani mukalowa usilikali? Ngati wothandizira akulonjeza kuti umasamaliranso moyo wathanzi, si choonadi chonse.

Mpaka pakati pa zaka za m'ma 1980, olemba ntchito adalemba "ubwino wothandizira moyo wathanzi" pothandiza anthu. Thandizo lanu lachipatala linkaphimbidwa pamene mukugwira ntchito mwakhama komanso phindu lopuma pantchito.

Msilikali aliyense wa usilikali komanso banja lawo angasamalire (kuchipatala) kuchipatala chilichonse cha zamankhwala. Lamulo limenelo silinasinthe kwenikweni. Chimene chasintha ndi kupezeka kwa danga la chisamaliro.

Chifukwa cha kuchepetsa, pali zipatala zochepa zankhondo ku United States kusiyana ndi zomwe zinalipo kale. Pang'onopang'ono, koma mofulumira, othawa usilikali, mabanja awo, ndi anthu ambiri ogwira ntchito, mamembala awo adakakamizika kupita kuchipatala, ndikubwezeredwa pang'onopang'ono kuchokera ku pulogalamu yotchedwa CHAMPUS (Civil Society and Medical Programme ya Uniformed Services). Anthu omwe adatha kulandira chisamaliro kupyolera mu chipatala cha usilikali adapeza kuti ngakhale anthu omwe ali ndi udindo wotsogola mwachangu adatenga nthawi yaitali kuti apeze.

TRICARE Pluses ndi Minuses

TRICARE, ndondomeko yamakono yaumoyo wamasewera ndizovuta poyerekeza ndi ndondomeko zambiri zothandizira zaumoyo. TRICARE ndi imodzi mwa ndondomeko zochepa kwambiri zomwe zilipo kulikonse.

Komabe, zida zambiri zankhondo ndi olowa usilikali zimakhumudwitsidwa ndi zolemba za TRICARE pa zifukwa zingapo:

1. Amamva kuti adalonjezedwa kuti sadzakhala ndi moyo wathanzi kwa moyo wawo wonse pokhapokha atakhala odzipereka kwa zaka 20. Ankhondo omenyera nkhondo adakhulupirira lonjezoli ndikupirira zovuta zogwira ntchito / ndalama komanso ndalama zochepa kuti athe kupindula. Ambiri omwe amapuma pantchito komanso asilikali omenyera nkhondo akuganiza kuti boma lawo linama.

1. Kwa zaka zambiri, anthu othawa kwawo amasiya ndalama zawo zonse zomwe amapeza pokhapokha ngati akuyenera kuwapatsa Medicare. Lamulo tsopano likulola Medicare-oyenerera kuchoka ntchito kuti agwiritse ntchito Tricare kuti azilipirira ndalama zomwe sizinaphimbedwe ndi Medicare. Kuti agwiritse ntchito phinduli, othawa kwawo ayenera kulembedwa mu dongosolo la Medicare Part B.
2. Malingana ndi ndondomeko ya TRICARE yomwe mumasankha pantchito, mudzawona kuwonjezeka kwa ndalama zolembetsa, mapepala a mapulogalamu, ndi kuwonjezeka kwa kapu yoopsa.

TRICARE Musanagwire Ntchito

Ogwira ntchito za asilikali ogwira ntchito ndi ogonjera awo amalandira chithandizo chamankhwala kwaufulu, pogwiritsa ntchito TRICARE wotchedwa Tricare Prime. Izi zimagwira ntchito ngati HMO. Wogwirizanitsa (ndi omwe amadalira) amapatsidwa thandizo loyang'anira chisamaliro, omwe nthawi zambiri (koma osati nthawi zonse) chipatala choyambirira. Wotsogolera wamkulu amasamalira zosowa zawo zachipatala ndipo amapereka chilolezo kwa odziwa ngati alibe mphamvu yothetsera vutoli.

TRICARE kwa Alonda ndi Malo osungira

Alonda ndi Reserve (ndi omwe amadalira) angagwiritse ntchito njira iliyonse ya TRICARE nthawi iliyonse yomwe wothandizirayo akuitanidwa kukagwira ntchito kwa masiku opitirira 30. Kugwiritsidwa ntchito kwa TRICARE Prime ndi ufulu, monga momwe ziliri ndi ogwira ntchito a m'banja. Kuwongolera zaumoyo kumaperekedwanso kwa masiku 90 isanayambe kukhazikitsidwa kwa antchito omwe amalandira kalata yothandizira nthawi.

Kufikira kumafikira mpaka masiku 180 atangotsegulira. Pambuyo pa nthawi ya kusintha kwa masiku 180, chitetezo, asilikali, ndi anthu osungira ndalama angathe kugula chithandizo chapadera chaumoyo pansi pa TRICARE Reserve Select pulogalamu, ngati atsegulidwa kuti achite ntchitoyi kwa masiku 90 kapena kuposa.

Kusamalira Mankhwala

Kusamalira mano ndi ufulu kwa ogwira ntchito komanso mamembala a alonda omwe ali pantchito , koma osati omasuka kwa anthu osatetezedwa kapena osungira asilikali. Komabe, misonkhanoyi ili ndi ndondomeko ya mano ya banja yomwe - yokhala ndi ndalama zochepa pamwezi - imapereka inshuwalansi ya mano kumabanja achimuna ndi osagwirizanitsa a Guard / Reserves (ndi mabanja awo).

Kuti mumve zambiri zokhudza dongosolo la chisamaliro cha usilikali, onani Medical Care Care, Explained .

Mbali Zina M'buku Lino

• Zimene Wogwiritsira Ntchito Zachimuna Anakuuzani Sindinakuuzeni
• Kusankha Msilikali
• Kukumana ndi Wolemba Ntchito
• Ndondomeko yolembera ndi kusankha ntchito
• Kulembetsa Makalata ndi Zowonjezera Zolemba
• Msilikali Azipereka
• Nyumba, Nyumba Yokonzera Nyumba, ndi Nyumba Zogwirira Ntchito
• Nyumba za Chow ndi Chakudya Chakudya
• Maphunziro a Maphunziro
• Siyani (Zolinga) ndi Maphunziro a Job
• Ntchito
• Kutsatsa
• Amayi ndi Mabungwe
• Ntchito za Makhalidwe, Zabwino, ndi Zosangalatsa (MWR)