Ndili ndi pakati ndipo ndilibe inshuwaransi yazaumoyo ku USA

Ndili ndi pakati ndipo ndilibe inshuwaransi yazaumoyo ku USA, ndizotheka ziti?

Pali njira zingapo zopezera inshuwaransi ya umayi mukakhala ndi pakati.

Komabe, muyenera kuphunzira pamitu iwiri yofunika.

Amayi omwe amalandira ndalama zambiri kuti ayenerere Mankhwala atha kugula dongosolo lachinsinsi popanda nthawi yoyembekezera.

Amayi oyembekezera amatha kuyamba kufalitsa nthawi iliyonse pachaka ngati atakhala ndi moyo wokwanira monga kukwatiwa ndi abambo, kusamukira ku zip code yatsopano, kapena kukhala nzika yaku US.

Mimba: Inshuwaransi yazaumoyo Palibe nthawi yakudikirira

Azimayi ali ndi njira zingapo zopezera inshuwaransi yazaumoyo popanda nthawi yakudikirira. Njira zina zimakhudzira chisamaliro cha amayi oyembekezera komanso madandaulo a anthu ogwira ntchito ndi kubereka chifukwa cha ntchito zomwe zimaperekedwa pambuyo poti lamuloli layambika, ndipo nthawi zina kale.

Medicaid ndiye njira yosankhika chifukwa chotsika mtengo , maubwezeretsedwe obwereza ndi kulembetsa pompopompo. Zolinga zapadera zimathandizanso amayi apakati nthawi yomweyo, koma osati ambiri.

Zomwe zilipo kale

Chinthu choyamba kudziwa ndikuti makampani sangatenge pakati kukhala ndi vuto la inshuwaransi yaumoyo. Pansi pa Affordable Care Act, mapulani azachipatala akuyenera kuthana ndi mavuto aliwonse okhudzana ndi umayi popanda nthawi yakudikirira. Komanso, kampaniyo singakane chinsinsicho chifukwa mukuyembekezera mwana.

Komabe, ngakhale kuti mimba siyomwe idalipo kale, inunso simungalembetse inshuwaransi yazaumoyo nthawi iliyonse yomwe mukufuna. Kuphunzira kumangoyambira nthawi imodzi yolembetsa.

• Kulembetsa kotseguka pachaka kumakhala ndi tsiku loyambira la Januware 1. Mutha kusankha zoyambira Novembala 1 mpaka Disembala 15 chaka chatha.
• Nthawi zolembetsa zapadera zimayamba mwezi uliwonse pachaka. Mumasankha dongosololi pasanathe masiku 60 kuchokera pomwe chochitikacho chikuyenera ndipo kufalitsa kwake kuli kothandiza^choyambatsiku la mwezi wotsatira.

Zachidziwikire, Nyengo Yolembetsa Yapadera imapereka chithandizo chabwino kwambiri cha amayi popanda nthawi yodikirira, pomwe Kulembetsa Kwachaka sikutero, pokhapokha mutapeza nkhaniyi mu Novembala kapena Disembala. Komabe, muyenera kukhala ndi chochitika chofunikira kuti mugwiritse ntchito nthawi yapadera yolembetsa.

Zochitika Zoyenerera Moyo

Mimba sichinthu chofunikira pamoyo wa inshuwaransi yazaumoyo pansi pa Affordable Care Act. Izi zikutanthauza kuti amayi apakati ayenera kukhala ndi chifukwa china choyenera kulandira chithandizo chamankhwala osadikirira kulembetsa chaka chilichonse.

Malamulowa amasiyana pang'ono pakapangidwe kawokha, kufotokozera zamagulu kuntchito, komanso mukakhala ndi mwana wanu.

Zolinga zamunthu aliyense

Pansipa pali zochitika zoyenerera pamoyo zomwe zimakupangitsani kuti mudzakhale olembetsa pamsika uliwonse.

• Kuwonongeka kwadzidzidzi pazofalitsa zina.
• Kukwatira bambo wa mwanayo.
• Kusamukira ku zip code yatsopano
• Kukhala nzika ya U.S.
• Vuto lolembetsa lomwe silinali vuto lanu

Funsani ndalama za inshuwaransi yazaumoyo mukakumana ndi chimodzi kapena zingapo mwazimenezi. Wothandizila amatha kulumikizana nanu kuti mukambirane zosankha.

• Mwakumana ndi chochitika choyenerera m'masiku 60 apitawa.
• Tsopano ndi Novembala kapena Disembala (kulembetsa pachaka)
• Mumakhala kumpoto kwa New York ndipo mumakonda malamulo okhwima

Lamulo la inshuwaransi ku New York amatanthauzira kutenga pakati ngati chochitika chofunikira pamoyo. Komanso, onani malamulowa m'boma lanu ngati malamulo amasintha pafupipafupi. Pezani mndandanda wovomerezeka za zifukwa boma Pano.

Magulu olemba anzawo ntchito ntchito

Mndandanda wa zochitika pamoyo zomwe zimayenererana ndi inshuwaransi yothandizidwa ndi olemba anzawo ntchito ndizofanana, koma ndi kusiyana kwakukulu. Misonkho yatsopano imayenera kulembetsa mwapadera (nthawi iliyonse pachaka) atatumikira nthawi yoyeserera ya olemba anzawo ntchito.

Wolemba ntchito aliyense amasankha nthawi yake yoyeserera. Nthawiyo imatha kukhala masiku 0, masiku 30, masiku 60, masiku 90 kapena kupitilira apo. Chifukwa chake, kupeza ntchito yatsopano yomwe imapereka inshuwaransi yaumoyo ndi njira ina yopezera inshuwaransi ya amayi osadikira.

Kukhala ndi mwana

Kukhala ndi mwana ndichinthu chofunikira pamoyo wa inshuwaransi yazaumoyo. Mukabereka, muli ndi masiku 60 kuti muwonjezere mwana wanu wakhanda ku pulani yomwe ilipo kapena kugula mfundo za mwana wanu.

Komabe, kusinthaku kuyenera kukhala kofanana ndi mwambowu. Uwu si mwayi wofotokozera Amayi. Dongosolo latsopano silingathe kulipira anthu ogwira ntchito kuchipatala ndi kubereka

Medicaid Yapagulu

Medicaid imapereka inshuwaransi yaumayi kwa amayi apakati omwe alibe nthawi yodikirira. M'malo mwake, kufalikira pagulu kumatha kulipira ngongole za miyezi itatu mobwerezabwereza. Fufuzani malamulowo m'dziko lanu mukalembetsa.

Kuphatikiza apo, Medicaid siyikakamiza kulembetsa nthawi yamtundu uliwonse. Mutha kuyamba kufalitsa nthawi yomweyo osadikira mpaka Januware. Komanso, simusowa kuti mukhale ndi moyo woyenera kuyamba pakati pa chaka.

Komabe, boma lililonse limakhazikitsa malire azachuma. Medicaid imatha kukana amayi apakati omwe amapeza ndalama zambiri. Malire ochepera amasinthidwa kukula kwa banja ndipo atha kuphatikizanso ana anu omwe sanabadwe. Onani pansipa zosankha ngati simukuyenerera.

Inshuwaransi ya amayi mukakhala ndi pakati

Palinso zosankha zina zomwe mungaganizire pa inshuwaransi ya umayi mukakhala ndi pakati. Mutha kupeza chithandizo chamankhwala osabereka, ma ultrasound, ntchito, komanso yobereka. Chisamaliro choyenera cha zamankhwala ndi pakamwa ndichofunikira paumoyo wa mayi ndi mwana wake.

Boma limapereka ndalama zothandizira azimayi omwe amalandira ndalama zambiri kuti athe kulandira Medicaid. Komanso, dongosolo la makolo anu limatha kukupatsirani chidziwitso. Komanso, mapulogalamu aboma atha kukuthandizani panthawi yopuma.

Kuphimba kwa makolo

Kodi inshuwaransi ya makolo anu idzagwira mimba yanu? Kutenga pathupi podalira ndi vuto kwa achinyamata komanso achinyamata ochepera zaka 26 omwe amadalira dongosolo la makolo awo. Tsoka ilo, palibe chitsimikizo kuti malingaliro a makolo anu adzakwaniritsa mbali zonse za chisamaliro chanu podikirira.

Awa ndi malo oyamba kuwonekera. Komabe, musaganize zakubadwa kwathunthu. Onetsetsani kuti mwafunsa mafunso oyenera m'njira yoyenera kwa anthu abwino.

Magulu olemba anzawo ntchito ntchito

Pafupifupi 70% yamapulogalamu a inshuwaransi azaumoyo omwe salembedwa ndi olemba anzawo ntchito samakhudzana ndi pakati. Izi zikutanthauza kuti atsikana ambiri achinyamata komanso achikulire angafunikire njira zina.

Malamulo awiri aboma amalemetsa kwambiri nkhaniyi ndipo amasiya mipata yayikulu.

1. Lamulo Lakusankhana Mimba limafunikira mapulani azaumoyo am'magulu kuti athe kubisalira ana asanabadwe ndi zina zotero. Komabe, izi sizikupita kwa omwe amadalira.
2. Care Affordable Care Act imafuna kuti magulu azipangira njira zothandizira ana asanabadwe asanabadwe. Komabe, izi sizikupitilira kuchipatala chokwera mtengo kwambiri pantchito yobereka.

Makampani omwe atchulidwa

Samalani kuti mufunse mafunso oyenera okhudzana ndi chithandizo chodalira kutenga pakati. Kampani iliyonse ya inshuwaransi imapereka malingaliro osiyanasiyana mgulu, payekha, komanso pamsika waboma. Dongosolo lililonse limagwira ntchito mosiyanasiyana, ngakhale ataperekedwa ndi kampani yomweyo.

Lumikizanani ndi inshuwaransi ndikufunsani za chithandizo chodalira pamimba pazomwe makolo anu ali nazo. Musaganize kuti malamulowa amagwiranso ntchito mofananira pamakampani onse a inshuwaransi.

• Aetna
• Nyimbo
• Blue Cross Blue Shield (BCBS)
• Cigna
• Anthu
• Kaiser Permanente
• United Healthcare

Osayenerera Medicaid

Amayi ambiri omwe ali ndi pakati popanda inshuwaransi amapanga ndalama zambiri kuti ayenerere Medicaid, kapena kuganiza choncho. Ganizirani izi ngati mukufuna kupita kuchipatala ndipo simungakwanitse kulipira.

1. Mankhwala Ochepetsa Mimba ali ndi malire opitilira ndalama kuposa Medicaid wamba. Musaganize kuti mumapanga ndalama zambiri kuti muyenerere. Mutha kukhala mukuyang'ana malire olakwika kapena kugwiritsa ntchito molakwika kukula kwa nyumba. Mwana aliyense wosabadwa amawerengedwa ngati wowonjezera m'banjamo. Lemberani kuofesi yanu yaku County kuti awapatse kukana.
2. Amayi adakana Medicaid chifukwa amalandira ndalama zochulukirapo, nthawi zambiri amakhalabe oyenerera kulandira inshuwaransi yazaokha. Boma limapereka mitundu iwiri yothandizira ndalama zomwe zimapangitsa kuti zitheke kulipira chithandizo chamankhwala ndikupereka mwana wanu kuchipatala.

Kuchepetsa koyambirira

Amayi omwe amalandira ndalama zochulukirapo kuti akwaniritse Medicaid nthawi zambiri amakwaniritsa zofunikira pakuchepetsa ndalama. Zothandizirazi zimabwera ngati kupititsa patsogolo kapena kubweza ngongole za misonkho ndikuchepetsa kuchuluka kwa ndalama zomwe mumagwiritsa ntchito polipira inshuwaransi yaumoyo. Peresenti imadalira ndalama zomwe zimafanana ndi umphawi wa feduro.

Kuchepetsa mtengo

Azimayi omwe adakanidwa Medicaid amathanso kulandira mwayi wogawana ndalama. Zothandizazi zimachepetsa zomwe muyenera kulipira mthumba pazinthu zasiliva zomwe zimakhudza 70% yazomwe mumagwiritsa ntchito. Apanso, kuchuluka kwakuchepetsa mtengo kumadalira ndalama zomwe zimafanana ndi umphawi wa feduro.

Mukufuna ultrasound

Amayi omwe ali ndi pakati popanda inshuwaransi ndipo amafunikira ultrasound sayenera kuyang'ana patali. Ultrasound (sonography) imagwiritsa ntchito mafunde akumveka kujambula mwana wakhanda komanso ziwalo zoberekera za mayi kuti azindikire zovuta zomwe zingachitike.

Zipangizo zoyembekezera zokhala ndi pakati zimalowa Padziko lonse lapansi amapereka maulalo aulere kwa amayi apakati. Zotsatira zimachitidwa ndikumasuliridwa ndi akatswiri omwe ali ndi zilolezo kuchipatala chololeza. Amagwira ntchitoyi kwaulere kuti athandize amayi kusankha zosankha moyo wa mwana wawo.

Gwiritsani ntchito chithunzi chaulere cha ultrasound ngati mayeso oyembekezera pofunsira Medicaid.

Ntchito ya mano

Kukhala ndi pakati popanda inshuwaransi ya mano ndikofunikira modabwitsa ndipo kumapereka njira zingapo zothandizira kulipirira chithandizo chamankhwala. Simukufuna kusamalira pakamwa mukamayembekezera mwana.

Mahomoni otenga mimba amachititsa kuti m'kamwa mwanu muzitupa ndi kutuluka magazi. Mafupa otupa amalanda chakudya ndipo amayambitsanso mkamwa. Kukwiya kumatha kubweretsa matenda komanso chiseyeye. Matenda a chingamu amakhudzana ndi kugwira ntchito msanga.

Kuyeretsa pafupipafupi (prophylaxis) kumatha kuchepetsa izi. Izi zitha kuthandiza kulipira ntchito yamano.

• Medicaid imakhudza chisamaliro chonse cha mano m'maiko ambiri
• Inshuwaransi yazaumoyo imakhudza ntchito yofunikira yamankhwala.
• Mapulani amano amakhala ndi nthawi yochepa yoyembekezera chisamaliro chodzitchinjiriza.

Chilolezo cha umayi

Amayi omwe amagwira ntchito m'maiko ena amakhala ndi nkhawa zochepa zokhala ndi pakati osapereka tchuthi chakuyembekezera kapena ntchito zalamulo. Ndikofunika kukhala ndi njira yopezera ndalama munthawi yomwe muyenera kusiya kugwira ntchito musanabereke. Komanso, zimathandiza kwambiri ngati abwana anu akuyenera kukhala otseguka kufikira mutabwerera.

Ndondomeko zothandizidwa ndi boma nthawi zambiri zimathandiza makolo pamavuto antchito.

1. Federal Family Medical Leave Act imagwira ntchito mdziko lonse
   1. Masabata 12 achitetezo osalipidwa
   2. Makampani ogwira ntchito 50+
2. Pali mapulogalamu olipirira mabanja m'maboma anayi
   1. California
   2. New Jersey
   3. New York
   4. Rhode Island
3. Kulemala kwakanthawi kumakhudza tchuthi cha mayi woyembekezera.
   1. California
   2. Hawaii
   3. New Jersey
   4. New York

Makolo atha kutolera maubwino osagwira ntchito pambuyo pa tchuthi cha amayi oyembekezera m'maiko 22 atatha kutha kupezeka kuti abwerere kuntchito. Madera akulu monga Texas, Illinois, Washington, Wisconsin, ndi ena amatulutsa zofunikira kwa anthu omwe asiya banja lovuta kapena chifukwa chabwino.

Zamkatimu

• Mimba: Inshuwaransi yazaumoyo Palibe nthawi yakudikirira
• Zomwe zilipo kale
• Zochitika Zoyenerera Moyo
• Zolinga zamunthu aliyense
• Magulu olemba anzawo ntchito ntchito
• Kukhala ndi mwana
• Medicaid Yapagulu
• Inshuwaransi ya amayi mukakhala ndi pakati
• Kuphimba kwa makolo
• Magulu olemba anzawo ntchito ntchito
• Makampani omwe atchulidwa
• Osayenerera Medicaid
• Kuchepetsa koyambirira
• Kuchepetsa mtengo
• Mukufuna ultrasound
• Ntchito ya mano
• Chilolezo cha umayi

• Momwe mungadziwire ngati NDAKHALA MALO OTHANDIZA Zizindikiro ndi Chithandizo