Kusintha Kwaumoyo: Zomwe Amayi Ayenera Kudziwa

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Pambuyo pazazaka zambiri, Care Affordable Care Act idadutsa mu 2010. Tsoka ilo padakali chisokonezo chambiri pazomwe izi zikutanthauza kwa inu. Ndipo popeza kuti zinthu zina zinayamba kale pa August 1, 2012, ndipo zina zonse zikuyembekezeka kuyamba pa January 1, 2014, ino ndiyo nthawi yoti tiganizire. Mwamwayi ndizambiri zabwino zonse.

Kusinthana Kwa Inshuwaransi

Zomwe muyenera kudziwa: Boma likuti "kusinthana kwa inshuwaransi" kwa boma kuyenera kukhala kotseguka kwa bizinesi pofika Okutobala 1, 2013. Amadziwikanso kuti ndi misika yaboma, kusinthanaku ndi komwe anthu omwe alibe inshuwaransi kudzera pantchito zawo kapena boma lingagule zotsika mtengo kusamalira. Mayiko atha kukhazikitsa kusinthana kwawo ndi kukhazikitsa malamulo kwa omwe akutenga nawo mbali ma inshuwaransi, kapena kuloleza boma kuti lisinthe malondawo ndikuyendetsa malinga ndi mfundo zaboma. Izi zitha kubweretsa kusiyana pakati pa mayiko ndi mayiko pazinthu zosiyanasiyana monga ngati kuchotsa mimba kungachitike ndi inshuwaransi. Kuphunzira kwatsopano kumeneku kudzayamba pa 1 Januware 2014, ndipo sikungakhudze anthu omwe ali ndi inshuwaransi yabizinesi.

Zoyenera kuchita: Mayiko ambiri asankha kale ngati apanga kusinthana kwawo, chifukwa chake ngati mulibe inshuwaransi, fufuzani momwe mumakhalira. Yambani ndikuwona mapu aboma osavuta kugwiritsa ntchito, omwe amasinthidwa sabata iliyonse, omwe amawonetsa zambiri zamapulogalamu adziko lililonse. Kuti mumve zambiri, onani mndandanda wazithandizo zomwe boma lililonse limapereka.

Misonkho Yogawana Udindo Wogawana (Udindo Waumwini)

Zomwe muyenera kudziwa: Kuyambira ndi misonkho yanu ya 2013, muyenera kulengeza pama fomu anu amisonkho komwe mumalandila inshuwaransi yazaumoyo, kuphatikiza kampani ndi nambala yanu yatsimikizidwe. Kuyambira mu 2014, anthu opanda inshuwaransi amayenera kulipira chindapusa chomwe chimatchedwa "shared responsibility payment" kuti anthu asadikire mpaka atadwala kuti akapeze inshuwaransi kapena kudalira anthu omwe amalipira ndalama zawo zadzidzidzi. Poyamba chindapusa chimayamba pang'ono, pa $ 95, ndikukwera mpaka $ 695 kapena 2.5% ya ndalama zonse zapakhomo (zilizonse zazikulu) pofika 2016. Ngakhale msonkho umayesedwa pachaka, mutha kulipira mwezi uliwonse pachaka chonse.

Zoyenera kuchita: Olemba malamulo ambiri amanena kuti pali zotsalira zambiri pa gawo lotsutsana la Care Care Act, kotero ngati mulibe inshuwalansi yaumoyo, yambani kufufuza zomwe mungachite. (Mayiko ambiri ali ndi zambiri zomwe zilipo kale patsamba lawo.) Ngati mukumva kuti simungakwanitse kulipira msonkho, yambani kulembetsa kuti musaperekedwe ndalama kuti muwone ngati mukuyenera kulandira chithandizo chazaumoyo (anthu ambiri khalani). Ndipo ngati simukufuna kugula inshuwaransi, yambani kusunga ndalama kuti mulipire chindapusa kotero sizingakudabwitseni kubwera nthawi yamisonkho.

Palibenso Chilango "Chachikazi"

Zomwe muyenera kudziwa: M'mbuyomu, ndalama za inshuwaransi ya amayi zakhala zokwera mtengo kwambiri kuposa za amuna, koma chifukwa cha kusintha kwaumoyo, tsopano dongosolo lililonse lomwe lagulidwa pamsika wotseguka (werengani: kudzera mukusinthana kwa boma kapena boma la federal) likuyenera kulipiritsa. mlingo wofanana kwa amuna ndi akazi onse.

Zoyenera kuchita: Funsani ndi inshuwaransi wanu wapano kuti muwone ngati akukupatsani ndalama zambiri chifukwa cha ma lady anu. Yang'anani pa mfundo zanu kuti muwone ngati mukulipira zowonjezera pantchito monga chisamaliro cha amayi ndi maulendo a OBGYN kuposa zomwe boma likupereka. Ngati ndi choncho, zingakhale bwino kusinthana ndi imodzi mwazinthu zatsopano zotseguka.

Ulangizi Wokhudza Umayi ndi Kusamalira Ana Obadwa

Zomwe muyenera kudziwa: Kusamalira amayi ku America kwakhala kosintha kwanthawi yayitali komanso kukhumudwitsa pankhani ya inshuwaransi, zomwe zimapangitsa amayi ambiri kukhala osangalala kuwona mizere iwiri pamayeso oyembekezera kuti ayambe kuchita mantha kuti azilipira bwanji posamalira mwana. Azimayi atha kukhala opanda nkhawa pano popeza malingaliro onse ogulitsira malonda ayenera kukwaniritsa "maubwino 10 ofunikira azaumoyo" kwa munthu aliyense, kuphatikiza umayi ndi chisamaliro chatsopano, komanso kufotokozera ana.

Zoyenera kuchita: Ngati mukukonzekera kukhala ndi mwana posachedwa, yerekezerani mtengo wamtengo wapatali ndi mapindu anu ndi omwe boma lanu lipereka. Zolinga zamisika yotseguka zimapereka magawo osiyanasiyana owunikira, ndipo pomwe zinthu zina (monga zakulera) zimayikidwa kuti ziziphimbidwa ndi 100%, sizinthu zonse (monga kuyendera maofesi) ndizo. Sankhani ndondomeko yomwe idzakhudze zinthu zomwe mumagwiritsa ntchito kwambiri. Ngakhale simukukonzekera mwana koma muli pachimake pazaka zanu zoberekera, zitha kukhala zotsika mtengo kugula dongosolo lotsegulira.

Kulera Kwaulere

Zomwe muyenera kudziwa: Purezidenti Obama adalamula chaka chatha kuti njira zonse zakulera zovomerezedwa ndi Food and Drug Administration-kuphatikiza mapiritsi, zigamba, ma IUD, ngakhale njira zina zotsekemera-ziyenera kulipidwa ndi mapulani onse a inshuwaransi popanda mtengo kwa iwo omwe ali ndi inshuwaransi. Ndipo chifukwa cha kusinthidwa kwaposachedwa kwamalamulo, ngati mumagwirira ntchito olemba anzawo zachipembedzo kapena kupita kusukulu yachipembedzo yomwe imaletsa kulera, mutha kulandira njira zakulera kwaulere kuboma la boma.

Zoyenera kuchita: Tsopano mutha kusankha njira ya kulera yomwe imagwira ntchito bwino kwa thupi lanu popanda kudandaula za kuswa banki. Mwachitsanzo, ma IUD (zida zam'mimba monga Mirena kapena Paraguard) amatengedwa kuti ndi njira yabwino kwambiri yolerera yosinthika, koma amayi ambiri amachotsedwa chifukwa cha kukwera mtengo kowayika. Pomwe izi zidayamba kugwira ntchito pa Ogasiti 1, 2012, mpaka 2014, zimangogwira ntchito kwa azimayi omwe ali ndi inshuwaransi omwe malingaliro awo adayamba pambuyo pa tsikuli. Ngati dongosolo la kampani yanu lidayamba asanadulidwe, mungafunike kudikirira mpaka chaka chimodzi kuti mupindule nawo. Mkazi aliyense ayenera kuyamba kulandira njira zakulera popanda copay pofika Januware 1, 2014.

Njira Zodzitetezera Zamankhwala Makamaka Kwa Akazi

Zomwe muyenera kudziwa: Pakadali pano ma inshuwaransi amasiyanasiyana pa kuchuluka kwa chisamaliro chodzitetezera (ndiye kuti, chithandizo chamankhwala chomwe amapatsidwa kuti athane ndi matenda m'malo mongomuchiritsa) chophimbidwa ndi kuchuluka kwa zomwe zaphimbidwa chifukwa akatswiri azachipatala amavomereza kuti kuchitapo kanthu moyenera kungakhale kofunikira kwambiri chinthu chomwe tingachite kuti tikhale ndi thanzi. Kusintha kwatsopano kwa zamankhwala kumalimbikitsa kuti njira zisanu ndi zitatu zodzitetezera zisungidwe kwaulere kwa amayi onse:

• Kuyendera kwa amayi abwino (kuyambira ndi ulendo wapachaka kwa dokotala wanu wamkulu kapena OB-GYN ndiyeno maulendo owonjezera ngati dokotala akuwona kuti ndi kofunikira)
• Kuwunika kwa matenda ashuga
• Kuyesa kwa HPV DNA
• Uphungu wa matenda opatsirana pogonana
• Kuyezetsa magazi ndi uphungu
• Uphungu wa kulera ndi kulera
• Thandizo loyamwitsa, kupereka, ndi upangiri
• Kuwunika ndi uphungu wa nkhanza pakati pa anthu ndi mbanja

Zinthu monga mammograms, kuwerengetsa khansa ya pachibelekero, komanso kuwunika matenda ena omwe sikupezeka pamndandanda kudzakambidwa pansi pazambiri koma osati mapulani onse. Kuwunika kwaumoyo wamalingaliro ndi kugwiritsa ntchito mankhwala osokoneza bongo sikutanthauza amayi komanso ndi zaulere malinga ndi zomwe zaperekedwa.

Zoyenera kuchita: Gwiritsani ntchito mwayi uwu ndikuonetsetsa kuti mukupitiliza kuwunika kwanu pachaka ndi maulendo ena. Monga momwe zimakhalira ndi kulera kwaulere, muyeso uwu udayamba pa Ogasiti 1, 2012, koma pokhapokha mutakhala ndi inshuwaransi yapadera yomwe idayamba pambuyo pa tsikulo, simudzawona zabwino mpaka mutakhala ndi dongosolo la chaka chimodzi kapena kuyambira Januware 1, 2014.

Ngati Mungathe Kulipira, Mwaphimbidwa

Zomwe muyenera kudziwa: Zinthu zomwe zidalipo kale monga chilema kapena matenda osachiritsika kwapangitsa kuti azimayi ambiri asakhale ndi inshuwaransi yoyenera. Chifukwa cha chinachake chomwe simunachilamulire (koma chomwe chinakupangitsani kukhala okwera mtengo kuphimba), mwina munaletsedwa kutenga nawo mbali pamapulani a olemba ntchito kapena kukakamizidwa kugula ndondomeko yotsika mtengo kwambiri. Ndipo kumwamba kukuthandizani ngati mwataya inshuwaransi pazifukwa zina. Tsopano ili vuto, monga kusintha kwatsopano kumalamulira kuti aliyense amene angathe kulipira mfundo pamsika wotseguka akuyenera. Kuonjezera apo palibenso malire a moyo wonse pa inshuwalansi, kotero simungathe "kutha" ngati mukufunikira chisamaliro chachikulu, komanso simukusowa kudandaula kuti mudzachotsedwa inshuwalansi ngati mukufuna chisamaliro chamtengo wapatali (aka recisions) .

Zoyenera kuchita: Ngati panopa muli ndi vuto lomwe limapangitsa kuti chithandizo chamankhwala chikhale chokwera mtengo kapena choletsedwa kwa inu, yang'anani kuti muwone ngati mukuyenerera pulogalamu yothandizira boma chifukwa ndalama zambiri zikutsegulidwa kuti zithetse vutoli. Kenako onani zomwe zilipo kwa inu pamlingo wa boma.

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