Inishuwarenzi yehutano ndiyo inishuwarenzi inobhadhara mari yakatarwa yemari yekuvhara mari yekurapa kana kurapwa. Mushandi-anopa inshuwarisi yehutano yehutano, inozivikanwawo sehurongwa hwehutano hwehutano hwehutano, kupa vashandi nzira dzakawanda dzakasiyana dzekushandira inshuwarisi
Vashandi-mazano akapiwa vanosiyana mune nzira dzavo dzekugovera
Maererano neHealthinsurance.org, yevaAmerica vane hutano hwehutano, vanenge 60% vanowana kugoverwa kuburikidza nepurogiramu inoshandiswa nevashandi. Muzvikamu izvi zvirongwa zvehutano, mubhadhari aripa mubayiro wekutanga, kana mugove weshumba wepamberi, iyo inobata zvakasiyana-siyana zvehutano hwemari dzinoshandiswa nemitemo.
Kazhinji, zvirongwa zvehutano hwehutano hwehutano dzinobhadhara mari yekurapa hofisi yekushanyira kurwara uye kuongorora, kugadziriswa, kugadziriswa, nzvimbo dzekukurumidzira, maitirance anotakura, maitiro, chirwere chepanyama, uye kunyange mishonga yemishonga, kupa mienzaniso yakawanda yezvingangove zvakachengetwa mabasa ehutano. Asi, chirongwa chimwe nechimwe chakasiyana uye chinoita kuti mushandi azive nemashoko ezvesarudzo yake yevashandi vasati vabatsirwe.
Mumakore achangopfuura, nekuda kwehutano hunoita mari inowedzera, vashandi vari kubhadhara kuwedzera kwezana remari yemishonga yavo yemainishuwarenzi yehutano, kazhinji kuburikidza nekubhadharwa kwemitero.
Zvimwe zvirongwa zvinovhara mushandi uyo anofanira kubhadhara mari yekusimudzira nhengo dzemhuri. Uyezve, inenge imwe sarudzo imwe neimwe inobhadhara (co-pay) mutoro umo mushandi anobhadhara mari yezita rokutora chikamu chehutano hwehutano hwakapiwa, kazhinji kubva pa $ 10-40.00.
Mukuwedzera pakuderedza mari yekuchengetwa kwehutano kune vashandi, chikamu chechipiri cherongwa hwevanoshandira-chinotsigirwa ndechekuti vanopa hutano hwakachengetedzwa; kambani yeInishuwarenzi inofanira kuvhara vose vanoita basa iro vane basa rinovakodzera kuti vagoverenge.
Kazhinji, zvirongwa zvinoshandiswa nevanoshandira zvinogona kusanganisira mararamiro ezvimwe zvirongwa. Kubva mune zvehutano masangano (HMOs) uye inofanirwa kupa masangano (PPOs) kune zvirongwa zvinopa huwandu hwehuwandu hwakafanana nehutano inshuwarano, inshuwarisi yehupenyu , inshuwalense yenguva pfupi yehurema , uye inshurensi yekuremara kwenguva refu , zvirongwa zvehutano zvakabhadharwa zvinogona kuva zvakakwana ku kusangana nehurumende yehushuga yevashandi.
Kuchinja Kunouya muHealth Insurance Coverage
Muna 2010, Mutungamiriri weBarack Obama akapinda mutemo kuMurwere Kudzivirira uye Affordable Care Act. Zvinotarisirwa kuti kuchinja kukuru kuhutano hwehutano hwehutano, maitiro, uye mari zvichaitika semugumisiro wemutemo uyu.
Zvimwe zvikamu zvehutano hwehutano hwehutano hwehutano hwakagadzirwa kubva muna 2010 kusvika pakati pemakore gumi. Zvimwe zvinoshandurwa zvine chokuita nekugoverwa kwevana kusvika kune makore makumi maviri nemaviri uye vanhu vane mamiriro akambovapo uye zvimwe zvave zvatoitika. Zvimwe zvinofanotaurwa.
Vazhinji vashandi vari kutarisira inshuwalhu yehutano inowedzera kuwedzera uye zvinokonzerwa nevashandi vehutano hwehutano. Izvi zvinogadzirisa, zvakanakisisa, kuchinja uye kuwedzera huripo huripo uye huripo, uye pakuipisisa, zvinogona kuita kuti vashandi vasachakwanise kugovera mushandi-anopa utano hwehutano inshumo.
Hapana munhu iye zvino anoziva zvakakwana zvinoshandiswa kana kuti zvinokonzerwa nekuchinja uku kwakanyanya kusvika kuhutano hwehutano huripo uye utano hwehutano muUnited States.
Inishuwarenzi yehutano ishamwari inofanirwa kubatsirwa. Kutsvaga mushure mevashandi havazofungi kugamuchira basa risina kupa utano hwehutano inshuwarheni semubatsiro webasa.
Zvinonzwisisika - Tapota Onai:
Susan Heathfield anoita zvose zvaanogona kupa zvinonyatsojeka, zvinowanzogadziriswa, maitiro eHuman Resources management, mushandirwi, uye mazano evashandi pamwe chete pawebsite ino, uye akabatanidzwa kubva pawebsite ino, asi haasi gweta, uye zvinyorwa zviri pawebsite, panguva ane mvumo, haisimbiswi kuti yakarurama uye yakarurama, uye haifaniri kutorwa semazano epamutemo.
Nzvimbo iyi ine mitemo yevanhu munyika yose uye mitemo nemitemo inoshandiswa yakasiyana kubva kune imwe nyika kuenda kunyika uye nyika kune imwe nyika, saka nzvimbo yacho haigone kujekesa kune vose panzvimbo yebasa rako.
Paunenge usina chokwadi, nguva dzose utsvake mazano emutemo kana rubatsiro runobva kuHurumende, Federal, kana International International resourceal, kuti uone kuti kududzira kwako kwepamutemo uye zvisarudzo zvakarurama. Idzi ruzivo rwepaiti ino nderokutungamira, pfungwa, uye rubatsiro chete.