Kodi wondipatsa inshuwaransi angandilipire ndalama zosamalira?

Lamulo la Federal limafunikira mapulani ambiri a inshuwaransi yazaumoyo kuti athe kubweza zolipirira pamavuto azachipatala pazinthu zina. Zinthu monga:

• Muyenera kukhala woyenera kuyesedwa.
• Kuyesaku kuyenera kukhala kuyesedwa kwachipatala kovomerezeka.
• Mlanduwo sukuphatikiza madotolo kapena zipatala zakunja kwa intaneti, ngati chisamaliro cha kunja kwa netiweki sichili mbali ya pulani yanu.

Komanso, ngati mutalowa nawo mayeso ovomerezeka azachipatala, mapulani ambiri azaumoyo sangakane kuti mutenge nawo gawo kapena kuchepetsa phindu lanu.

Kodi mayesero azachipatala ovomerezeka ndi ati?

Mayeso ovomerezeka azachipatala ndi kafukufuku yemwe:

• yesani njira zopewera, kuzindikira, kapena kuchiza khansa kapena matenda ena owopsa
• Amalandiridwa kapena kuvomerezedwa ndi boma la feduro, adapereka fomu ya IND ku FDA, kapena sakhululukidwa pazofunikira za IND. IND imayimira Investigational New Drug. Nthawi zambiri, mankhwala atsopano amayenera kukhala ndi fomu yofunsira IND kwa FDA kuti iperekedwe kwa anthu pazoyeserera zamankhwala

Ndi ndalama ziti zomwe sizikuphimbidwa?

Mapulani azaumoyo safunika kuti azilipira mtengo wofufuzira woyeserera. Zitsanzo za ndalamazi zimaphatikizapo kuyesa magazi kapena ma scan ena omwe amangochitika kuti akafufuze. Nthawi zambiri, woyeserera woyeserera amalipira ndalamazo.

Madongosolo safunikiranso kubweza ndalama zamankhwala kapena zipatala, ngati dongosololi silimatero nthawi zambiri. Koma ngati pulani yanu ikukhudza madotolo kapena zipatala za kunja kwa netiweki, akuyenera kulipira ndalamazi mukamayesedwa.

Ndi mapulani ati azaumoyo omwe safunika kuti aphimbe zoyeserera zamankhwala?

Ndondomeko zaumoyo wa agogo sizifunikira kulipirira ndalama zowasamalira odwala m'mayesero azachipatala. Awa ndi mapulani azaumoyo omwe adakhalapo mu Marichi 2010, pomwe mtengo wa Care Act udakhala lamulo. Koma, dongosololi likasintha munjira zina, monga kuchepetsa phindu lake kapena kukweza mtengo wake, silidzakhalanso dongosolo la agogo. Kenako, adzafunika kutsatira malamulo aboma.

Lamulo la federoli silifunanso kuti mayiko azilipira ndalama zowasamalira odwala pamayeso azachipatala kudzera m'madongosolo awo a Medicaid.

Kodi ndingadziwe bwanji ndalama, ngati zilipo, dongosolo langa lazaumoyo lomwe ndingalipire ndikatenga nawo mbali pakuyesedwa?

Inu, adotolo anu, kapena membala wa gulu lofufuziralo muyenera kufunsa zaumoyo wanu kuti mupeze ndalama zomwe zingakwaniritse.

Wopangidwa ndi chilolezo kuchokera ku. NIH sivomereza kapena kuvomereza chilichonse chazogulitsa, ntchito, kapena zidziwitso zomwe zafotokozedwa pano ndi Healthline. Tsamba lomaliza lawunikiridwa pa June 22, 2016.