Indlela Ukuguqulwa kwezeMpilo kwatshintsha njani umdlalo kwiimeko eziPhambi kwexesha
Enye yeengxenye zomthetho wokuphucula ukunakekelwa kwempilo (uMyalelo woKhuseleko kwabaPhepheli kunye noMthetho wokuNakekelwa ngeNtengo ka-2010, ngamanye amaxesha ubizwa ngokuthi yi-Obamacare) ngumtshintsho kwindlela zenkampani zomshuwalense ezivunyelwe ngokomthetho ukuba ziphathe abhalise kunye nabangabhalisa abanakho abaneemeko ezikhoyo ngaphambili. Kwiimeko ezininzi, iinkampani ze-inshorensi zempilo aziyi kukhanyela okanye zikhansele umrhumo wobhaliso ngesiseko semeko esele ikhona.
Oku kunokukunceda wena njengomntu onesifo sesifo se-blad (IBD) , njengoko unokuba uhlangabezane nemingcipheko yokubambisa i-inshorensi ngaphambili, ngakumbi xa ushintsha imisebenzi okanye xa ungena emsebenzini emva kokugqiba isikolo esiphakamileyo okanye ikholeji.
Yiyiphi imeko ekhoyo ngaphambili?
Isimo esanduleleko sisiphi na isifo okanye imeko yempilo efunyenwe phambi kwesigulane esenza umgaqo-nkqubo we-inshorensi entsha. Kwixesha elidlulileyo, isigulane esasifumene sinesifo esingasigxina kwaye ngubani na ophazamiseka kwi-inshorensi yempilo, okanye eguqula abantu abathwala i-inshorensi, inokuthi ingavunyelwa umgaqo-nkqubo ngenxa yeyona nto ebizwa ngokuba yimeko ekhoyo ngaphambili.
Kwimeko yokufaka isicelo se-inshurensi yempilo ngomqeshi, isigatya somhlathi esasikhona silinganiselwe kuyo nayiphi na imeko eyayiphathwe ngeenyanga ezintandathu. Oku kuthetha ukuba nantoni na isigulane sinokunyamekela kwiinyanga ezintandathu ngaphambi kokuba ufumane umsebenzi omtsha ungeke uhlanganiswe.
Nawuphi na umntu ogulayo angadinga unyango ngelo xesha, ngoko ke nabani na obenayo i-IBD okanye inkathazo ye-IBD inokuthi iphikiswe ingxelo yomshuwalense xa ushintsha imisebenzi.
Ukukhutshwa kwimeko ekhoyo ngaphambili kwakungeke isetyenziswe nje nje isigulane siphepha iminyaka yonke ngaphambi kokuba sitshintshe imisebenzi kwaye ayizange ilahlekelwe yinkcazo eyadlula iintsuku ezingama-63.
Oko kwakuthetha ukuba ukuba ubuqeshwe kwaye unqatshelwe ngaphandle kokuba usebenza emnyakeni, okanye usebenze ngaphandle kweentsuku ezingaphezu kwama-63, unokuthi unqatshelwe i-inshorensi yemeko yakho xa unempilo yomshuwalense entsha kwimisebenzi yakho. .
Ukuba umntu obhalisiweyo wanikwa umgaqo-nkqubo nangona imeko ekhona ngaphambili, ixesha apho inkampani yomshuwalense ingafuni ukufihla nayiphi na indleko ehambelana nemeko ekhoyo ngaphambili, kodwa ingaba zide neenyanga ezili-18. Kuthetha ukuba unyaka kunye nesiqingatha emva kokufumana i-inshorensi entsha, unokwenyulwa ingqalelo kwonyango lwakho lwe-IBD okanye enye imeko.
Oko konke oku kuguqulela ukuba yimeko enzima kunoma ubani onenkinga yezempilo engapheliyo, omele aphephe umngcipheko wokungena ngaphandle kokubhengezwa ukuba ayengazi nenye yale "mithetho" eyinkimbinkimbi.
Yintoni ejongene noNonophelo loNonophelo loMnxeba
Kubantu abaneempawu ezingapheliyo ezifana ne-IBD, amandla ekhampani zomshuwalense ukuba angabandakanyi i-coverage esekelwe kwimeko esele ikhona ingxaki enkulu. I-IBD ayikwazi ukuphiliswa , kwaye ngenxa yokuba eso sifo sihlala nesigulane kulo lonke ixesha lokuphila kwakhe, lifuna ukubeka iliso rhoqo kwaye unyango oluqhubekayo. Ubunako ukuphika ukukhutshwa, kwaye kunjalo, ukukhathazeka rhoqo kwabaninzi.
ISebe lezeMpilo laseMelika kunye neeNkonzo zeNtlalo (HHS) lithetha oku malunga nendlela i-ACA ejongene ngayo nemeko ekhoyo ngaphambili:
"Ngaphantsi koMthetho wokuNakekelwa ongenakunqwenelekayo, iinkampani ze-inshorensi yezempilo ayinakukunqanda ukukugubungela okanye ukuhlawula ngaphezulu ngenxa yokuba unayo" imeko esele ikhona "- oko kukuthi, ingxaki yempilo owaye nayo ngaphambi komhla wokuqala kwezempilo. Kananjalo abakwazi ukuhlawula abafazi ngaphezu kwamadoda. "
Kukho ke, ngaphandle kweyodwa. I-HHS iphinda ibonise le ngqungquthela:
Umgaqo wokubhengezwa kwangaphambili okhoyo awusebenzi kumgaqo-nkqubo we-inshorensi yempilo.
Isicwangciso esikhulu esithengiweyo kwaye senziwa ngaphambi kukaMatshi 23, 2010.
Isikhundla esinobukhulu kufuneka sichazwe kwisixhobo sokucwangcisa. Ukuba ucinga ukuba isicwangciso sakho sinokuzalwa, qhagamshelana nenkampani elawula isicwangciso, kwaye kufuneka ikuxelele.
Ithini Le Njongo Kulabo Bano-IBD
Ukuqala emva kweenyanga ezintandathu emva koMatshi 23, 2010 - umhla wokulungiswa kwempilo yononophelo lwempilo uthathe ukusebenza - iinkampani ze-inshorensi zempilo zithintele ukukhanyela ukuhanjiswa kwabantwana abanemeko esele ikhona. Ngo-2014, oku kwasetyenziswa nakwabantu abadala abaneemeko zangaphambili.
Ukuqala kwakhona emva kweenyanga ezintandathu emva kokumiselwa komthetho, iinkampani ze-inshorensi zempilo aziyi kukwazi ukucima ukukhawulelwa kwangoku ngenxa yemeko esele ikhona. Umlinganiselo unokukhanselwa kuphela kwimeko yobuqhetseba, njengokuba ulala ngokungazi malunga nemeko yempilo yakho. Ukuba i-coverage iya kucinywa, inkampani yomshuwalense mayixelele ukubhalisa.
Imithombo:
IKomiti yeDemocratic Party. " Isishwankathelo seMpilo kunye neNgeniso yeMali. " Matshi 2010.
IKomiti yeDemocratic Party. " Umbhalo opheleleyo woKhuseleko loMonde kunye noMthetho ononophelo ojongene noThathaka (PL 111-148). " 24 Disemba 2009.