Ukusebenza okuchasene noMthetho woNonophelo ongenakunqunyaniswa No-Rescsions Clause
Kwihlabathi lezomthetho, ukuchithwa kuthetha ukuba inkontileka phakathi kwamaqela amabini ayifuni, ithatha amacandelo amabini enkontileka apho ayekho ngaphambi kokuba enze isivumelwano okanye ukuthengiselana.
Ukukhutshwa lixesha elisetyenziswe xa umgaqo-nkqubo we-inshorensi yempilo ukhutshwe ngokukhawuleza yinkampani yinshuwalense. Banokukwenza kuphela ngokusemthethweni phantsi koMthetho woNonophelo olungabonakaliyo xa isigulane senze ubuqhetseba okanye ukuba isiguli sithembele ngamabomu malunga nezinto eziphathekayo ngendlela engavunyelwe ngokwemiqathango yesicwangciso se-inshurensi yezempilo.
Kwezinye iimeko, akukho mthethweni kwiinkampani zomshuwalense ukuba zenze i-inscission.
Ekugqibeleni, ukukhutshwa kususwe kwasekuqaleni komgaqo-nkqubo, ukushiya isigulane sinesibophelelo seendleko zabo. Ngokuqhelekileyo, babuyiselwa imali yeeprayimari zabo.
I-No-Rescission yoPhulo lwe-ACA
Ukuchaswa akuvumelekile (ngaphandle kobuqhetseba kunye nokunyaniswa okungafunekiyo kwenyaniso) phantsi koMthetho woNonophelo ongenakuncedwa ngumthetho wezemfundo 45 CFR 147.128: Imithetho Ngokubhekiselele kwiiNgxelo. Kwaqalisa ukusebenza kwisicwangciso seeminyaka esiqala okanye emva kweSeptemba 23, 2010.
Ngokwenza oko, imfuno yokubonelela ngeengxelo ngaphandle kweemeko zangaphambili ezikhoyo phantsi koMthetho woNonophelo ongenakunqunyulwa ziphelile ininzi yenkxaso yeenkampani zomshuwalense ukwenza imigaqo-nkqubo yezigulane eziphezulu. Ngaphambi kokuba imigaqo yenkonzo ingadinga ukudalulwa kwimeko engaphikiswanga phambi kokuba ikhutshwe kwaye banakho ukukhanyela ukukhutshwa okanye ukuhlawula imali ephezulu, abanakukwazi ukwenza oku.
Ngaphambili, izigulane zazinomtsalane wokuqamba amanga kwaye zange zichaze iimeko zonyango, kwaye iinkampani zomshuwalense zineenkuthazo zokujongisisa ngokungekho ukuchazwa kwaye zibize ubuqhetseba.
Iinkampani zomshuwalense ziyakwazi ukwenza ezinye iinkcukacha ngokungahambi kakuhle, ezifana nokuhluleka ukutyhawula umtshato kunye nomlingane owayengumnye uqhubeka nokufumana izibonelelo phantsi kwesi cwangciso.
Umshuwalense kufuneka aqinisekise ukuba ufuna ukukhohlisa.
Ukusetyenziswa kakubi kweengxelo phambi kwe-ACA
Iziganeko zazivame ukuxutyushwa ekuphuculweni kokunakekelwa kwempilo, kunye neendlela ezininzi eziza kukhanya. Iinkampani ze-inshurensi yezempilo, ekuzame ukudibanisa iindleko, ziya kuthatha isigqibo sokuhlawula isigulane kwisigulane esikhuselweyo esinexabiso elininzi kunokuba lifuna ukuhlawula.
Emva kokuba isiguli sigula, umgcini-mali uya kuhlolisisa ngokukhawuleza isicelo sakhe sokuqala sokufumana inkxaso, fumana (oko kucinga ukuba kukho) ukungahambelani, ngoko ummangalelwa ukuba umgulana ogqirhayo uxoxe ngesicelo sakhe. Oko kwanikezela umgcini-mali umyalelo wemvume wokuyeka ibango. Ezinye iinkampani ze-inshorensi zavelisa iprojekti eyenziwa uphando ngokukhwabanisa kwezigulane ezifumene ukuxilongwa kwiimeko eza kuba yindleko ephezulu.
Iingxaki ezenzelwe izigulane ezingazange zikhohlise ngamabango kwizicelo zazo, kwaye ngubani umgcini-mali onokufumana ukungahambisani nawo. Ngokomzekelo, kwimeko yaseTexas, ukukhuselwa komfazi kwatshitshiswa emva kokuba unomdlavuza webele . Umshuwalense wavala ukufumana ingqalelo ngokumangalela ukubonakalisa ukutyelela kwidermatologist ye-acne, eyayingaboniswanga ngokucacileyo.
Iingxaki eziqhubekayo zenzelwe izigulane ezihlawula iiprayimari kwithuba elithile kodwa emva kokuba zigule.
Umshuwalense akazange akhathazeke ngokuqwalasela umgaqo-nkqubo emva kokuba umntu ehlawule kwinkqubo. Baqokelela imali, kodwa ke bebengayi kubonelela ngeenkonzo zabo ezithembisiwe. Oku "kwehla xa ugula" ngoku kuyaxhomekeke kwisiqendu sokungabikho kwe-Care Act.
Ixesha liza kuxela ukuba ezo zixhaso ziya kuqhubeka kunye nokuba ngaba kufunwa imithetho eminye ukuphelisa umkhuba.