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Palibe inshuwaransi yazaumoyo? Yesani izi zothandizira 2020

Palibe inshuwaransi yazaumoyo? Yesani izi zothandizira 2020Kampani

Mu 2018, 9% a ku America anali osatetezedwa. Zaka ziwiri komanso mliri pambuyo pake, mamiliyoni azinthu zosowa ntchito akusefukira paofesi ya department of Labor. Popeza pafupifupi theka la anthu aku America anali ndi ndondomeko yathanzi yothandizidwa ndi olemba anzawo ntchito, titha kuyembekeza kuti odwala omwe alibe inshuwaransi adzawonjezeka.





Ngakhale mayiko ena amawagwiritsirabe ntchito, kulibenso chindapusa chaboma chifukwa chokhala opanda inshuwaransi yazaumoyo. Koma kuopsa kokhala ndi inshuwaransi yazaumoyo ndikokulirapo kuposa mavuto azachuma. Zimayikanso thanzi lanu pachiwopsezo. Mu 2019, 1 m'mabanja atatu ku United States kunadumpha chithandizo chamankhwala chifukwa cha mtengo wake. Chithandizo chamankhwala komanso kutsatira mankhwala ndikofunikira pochiza matenda asanakhale matenda osachiritsika, omwe ndi zomwe zimayambitsa kufa ndi kulumala ku U.S.



Ndiye mumatani ngati mulibe inshuwaransi yazaumoyo? Choyamba, muyenera kulingalira zosankha zazifupi zaumoyo ndi mapulogalamu opeza ndalama zochepa monga Medicaid kapena Children's Health Insurance Program (CHIP). Komabe, ndizotheka kupeza chithandizo chamankhwala ndi mankhwala pamtengo wotsika popanda inshuwaransi yazaumoyo. Nazi zinthu zofunika kuti muthandizidwe.

ZOKHUDZA: Zomwe muyenera kuchita mukataya inshuwaransi yazaumoyo

Kupeza chithandizo chamankhwala popanda inshuwaransi

Mwamwayi, kusakhala ndi inshuwaransi yaumoyo sikutanthauza kuti simungalandire chithandizo chamankhwala. Pansi pa Chithandizo Chamankhwala Chodzidzimutsa ndi Lamulo Lantchito , pafupifupi zipatala zonse ziyenera kupereka chisamaliro kwa odwala omwe amafunikira chithandizo chadzidzidzi mosatengera kuti ali ndi inshuwaransi yotani. Koma bwanji ngati sizadzidzidzi? Malo ena osamalirako mwachangu komanso zipatala zoyenda ali ndi ufulu wokana odwala kuchokera kuzithandizo zomwe sizingachitike ngati sangakwanitse. Komabe, ndikofunikira kwambiri kuyika thanzi lanu patsogolo pachikwama chanu. Pali njira zambiri zopezera malo azachipatala otsika mtengo kapena aulere ndikutemera (kapena ngakhale kwaulere) katemera ndi mankhwala.



ZOKHUDZA:

Ndalama zothandizira zaumoyo (ndi momwe mungasungire popanda inshuwaransi)

Ngati mulibe inshuwaransi yazaumoyo kapena mulibe, chithandizo chamankhwala chimakhala ndi mtengo wamtali wa chipale chofewa. Kuyendera koyamba ndi wothandizira zaumoyo kumatha kutenga $ 70- $ 250. Kenako, mumayesedwa matenda omwe amatha kuchokera pa $ 15 kukayezetsa magazi mpaka $ 480 ya ultrasound. Ngati mwavulala pang'ono kapena pang'ono, mwina mutha kupita kuchipatala chachipatala. Izi zidzawononga wodwala wopanda inshuwaransi $ 100- $ 200. Kupita kuchipinda chadzidzidzi kumatha kubweza ngongole yapa $ 3,000 kapena kuposa kuchipatala.

Mitengoyi siyenera kuopseza aliyense kufunafuna chisamaliro, ngakhale. Pali njira zobwezera, kuchotsera, kapena ntchito zaulere zaulere. Mukungofunika kudziwa zomwe mungapeze. Gwiritsani ntchito zomwe zili pansipa kuti muthandizidwe ndi ndalama zothandizira.



ZOKHUDZA:

Kusunga mankhwala

Kodi mumadziwa, mankhwala anu akhoza kukhala otsika mtengo popanda inshuwaransi ? Pafupifupi kotala ( 2. 3% ) zamankhwala zimadula kwambiri ndi inshuwaransi kuposa popanda izo. Kuphatikiza apo, pali njira zambiri zopezera mtengo wotsika mtengo popanda inshuwaransi, kuphatikiza mapulogalamu osungira mankhwala, makuponi opanga, ndi makhadi ochotsera. Sakatulani maupangiri otsatirawa kuti mupeze njira zatsopano zosungira ndalama pamankhwala — palibe inshuwaransi yofunikira.

ZOKHUDZA:



Kupeza dongosolo la inshuwaransi yotsika mtengo

Ngakhale pali njira zosungira popanda inshuwaransi, kupeza mwayi wopeza chithandizo chamankhwala kumatha kukhala kosavuta ndi Kuphunzira. Medicaid ndi CHIP Ndiwo mapulani okwera mtengo kwambiri ku US Federal ndi maboma am'maboma kulipira zonse ziwiri. Medicaid ndizopezera ndalama. Ndalama zomwe angapezere Medicaid zimasiyanasiyana malinga ndi mayiko. Ngati ndalama zanu ndizokwera kwambiri ku Medicaid, mutha kuphimba ana anu ndi CHIP. Amayi apakati amathanso kuphimbidwa ndi CHIP m'maiko ena. Komanso, kumbukirani kuti ngakhale ndalama zoyendetsedwa kapena zochotseredwa zingawoneke kukhala zazikulu pamsika, zitha kukupulumutsirani ndalama mukamayerekezera ndalama zanu zamalonda ndi zamankhwala opanda inshuwaransi.

ZOKHUDZA: Momwe mungapezere inshuwaransi yazaumoyo



Zothandizira

Nazi zina zowonjezera zowonjezera njira zofulumirira kuchipatala: