Health Maintenance Organization (HMO) Basics

Nzira Iyo Inotarisirwa Kuchengetwa Inotsigira Kutengeswa Kwezvinhu Zvehutano Mazano

Sezvoutano hwevatano, iwe hapana mubvunzo wakanzwa izwi rokuti HMO kare. Zvechokwadi, iyi ndiyo inonyanyozivikanwa yezvirongwa zvehutano hwehutano huri mumusika. Iko kupi kwaHMO kunobva? Pano pane imwe nhoroondo yemhando iyi yevashandi vanobatsirwa. Muna 1973, The Health Maintenance Organisation Act yakarongedza yekare yeHurumende yeHurumende yeParamende Mutemo we1944, uye yakashandura nzira yehutano inofanira kutarisirwa muAmerica uye kumativi ose enyika.

Chii chinonzi Health Maintenance Organization?

HMO haisi iyo yakaoma chaizvo. Pasi pemutemo wekuAmerica wezvino, HMO inotsanangurwa sehurumende yevanhu kana yega yega inosangana nezvose zvinotevera:

1. inopa hutano uye humwe hutano hwehutano kune nhengo dzayo
2. yakarongeka uye inoshandiswa nenzira yakagamuchirwa nenyika

Nokudaro, HMO isangano rine chinangwa chega chekupa kuenzana kwehutano hwehutano hwehutano mukutsinhana kune nhengo dzinobvumirana nemamwe mazwi. Muzviitiko zvakawanda, ichi chibvumirano chekugara mukati mevhenekeri yakavharwa yevanopa avo vakambotaurirana nezvematengo emadhora, asi vachiri kuchengetedza hutano hwekutarisira. Vaya vanopa basa vanofanira kusangana nehutano hwepamusoro kuitira kuti vabatanidze mutevedzeri uye vanofanira kuchengetedza zvakanakisisa kutarisirwa, saka ihwina-kukunda vatengi. Muzviitiko zvakawanda, HMO inotsigira kuchengetedza utano hwakanaka, izvo ndizvo zvinotarisirwa nevatsigiri vehutano.

Izvi zvinoshanda zvakanaka nehurongwa hwehutano hwakanaka uye yakakurudzira nguva dzose chirwere chekurapa kune vamwe vanhu vanoverengeka vevanhu.

HMO dzose dzinoongororwa zvakanyanya nehurumende dzakawanda dzehurumende, kusanganisira rimwe reDhipatimendi reHurumende ravanoita. HMO dzakauya mumoto mukati mekupedzisira kwema1990 apo yakawanikwa kuti nhengo dzeurongwa dzakanga dzisiri kutora mhinduro panguva yakakodzera uye kutarisirwa kwavaifanirwa.

Kubva panguva iyoyo, hurumende yeHMO yakavandudza kuvonga kwehupfumi hwemashoko ehurumende iyo inotarisa kutungamira kwehuwandu nekunyorwa kwenzira.

HMO inobatsira sei?

HMO isati iri imwe yezvinhu zvakakurumbira zvinoshandiswa mune zveutano zvinoshandiswa nevashandi, nekuda kwezvikonzero zvakawanda.

• Zvinenge zviri nyore kutarisa nekuda kwepabhesi yepamusoro yepurogiramu yegadziriro yemutevedzeri wemarudzi.
• Zvitemo hazvivhiringidziki nhengo dzemagadziro nokuti vanoziva kuti chikamu chavo chiri chei, kusanganisira ofisi inobhadharwa.
• HMO inowanzodhura zvirongwa zvekuchengetedza utano hwevashandi uye nhengo pamusoro pehupenyu hwezvirongwa.
• Unhu hwechiremba uye hutano hwekuchengetedza hutano hunonyatsoongororwa kusvika kune zvakakosha, saka varonga vanoziva kuti vari kuwana zvakanakisisa kutarisirwa.
• Zvinodhura zvinodhaka zvekurapa zvinodzorwa nehurongwa hweHMO hwokubvumirana zvisati zvaitika, uye izvi zvinodzivirirawo vatengi kubva pakubiridzira.

Ndezvipi zviratidzo muHealth Care Market nezveHMO?

Maererano nenyanzvi muhutano hwehutano, hunobva kunze kwemaitiro ehutano hwehutano hwehutano hwehutano hwakaramba huchiwedzera pamakore makumi maviri apfuura. Dhipatimendi reUnited States of Labor rinopa zano rekuti mari yekubhadharira mapurogiramu yakaita 96 muzana yezvirongwa zvehutano hwehutano hupihwa nevanowirirana uye vashandirwi vashandi vehurumende muna 1984 uye makore makumi maviri gare gare ivo vanodarika pasi pe15 muzana yevanoshandira-vakapa inshuwalhu yehutano.

Kutungamirirwa kwehutano hwehutano hunoenderera mberi kunotsiva zvekare mapurogiramu ezvehutano zvemari.

Makambani akawanda anopa zvisungo zvitatu zvemashandiro emagadziro ehurumende, pamwe chete kana akawanda ari chikamu cheHMO network. Iyi inzira inobhadhara yekugadzirisa inshuwalano yehutano nekuchengetedza hutano hwekutarisira. HMO inopfuurira kuva musimboti ane simba wekutarisira muhutano hwehutano inshuwarheni nhasi.