Kuphi Ukufumana Umthombo Oya kuwufuna
Ukuba wena okanye umntwana wakho une- cystic fibrosis (CF) , kufuneka ube ne-inshorensi yempilo. Akukho ndlela ejikelezileyo. Iindleko zonyango zomntu onomdla we-CF zinokudibanisa lula kumawaka eedola ngenyanga. Ngaphandle kolunye uhlobo lwe-inshorensi yezempilo, izibonelelo zakho ziza kupheliswa ngokukhawuleza kwaye awukwazi ukufumana unyango . Musa ukuvumela ukuba kwenzeke kuwe.
Kunokuba nzima ukufumana i-inshorensi xa unesifo sokunciphisa ubomi, kodwa ungenathemba njengoko kubonakala ngathi, kukho ezinye iindlela ozikhethayo.
Umshuwalense wezeMpilo yabucala - wakho wokuqala woLondolozo
Ukuba wena okanye umntwana wakho ukhuselwe phantsi kwe- inshurensi yempilo yomshuwalense yangasese ngaphambi kokuba ufumane i-cystic fibrosis, yenza konke okusemandleni akho ukuwugcina. Ngaphandle koko, unokungena kwiingxaki ngeemeko zangaphambili ezikhoyo ngaphandle kokufumana umgaqo-nkqubo omtsha.
Umthetho we-Federal unikezela ukhuseleko kulabo abaguqula imisebenzi okanye mhlawumbi banokuphuka kwi-insurance coverage ngokuvumela ixesha eli-63 lobabalo ukufumana ukufumana entsha. Ukuba ufumene i-new coverage kwisithuba sosuku lwangama-63, i-insurer yakho entsha ayikwazi ukukhuphela ngaphandle iimeko ezikhoyo ngaphambili ukuba unganikezela isitifiketi sokuqinisekiswa okuthenjisiweyo kwi-insurer yakho yangaphambili. Nangona kunjalo, ukuba unesiphakamiso esiphezulu kwimihla engaphezulu kweentsuku ezingama-63, i-insurer yakho entsha ingabandakanyi i-coverage ukuya kunyaka nawuphi na umqathango owamkele unyango kwiinyanga ezi-6 ezedlulileyo.
Ukuba awunayo i-inshorensi yonyango yangasese ngexesha le-CF lifunyaniswa, mhlawumbi unokuba neengxaki zokufumana i-private coverage. Ukuba unako ukufumana umgaqo-nkqubo, unokufumanisa ukuba iindleko ezihambelana neyonyango lweCF aziyi kubanjelwa kunyaka wokuqala.
Inkonzo Yomshuwalense wezeMpilo
Kwabo abanako ukufumana i-inshorensi yempilo yabucala, kukho iinkqubo ezininzi zorhulumente ezinokufumaneka.
Izinketho kunye neemfuno ziya kuhluka ukusuka kummandla ukuya kwilizwe, kodwa ilizwe ngalinye linenkqubo yeentsapho ezifumana ingeniso phantsi kwezikhokelo ezithile, ezinokuthi zibe ngama-200% kwinqanaba lezobuhlwempu.
Ukuba awukwazi ukufikelela kwi-inshurensi yempilo yabucala okanye i-inshurensi yakho ayifaki ngokwaneleyo indleko yonyango lwakho lwe-CF, faka izicelo kule nkqubo nangona ucinga ukuba ingeniso yakho iphakamileyo. Uninzi lweeprogram zivumela abo abanempilo engapheliyo ukuba bahlawule imali yabo ngenzuzo ngokunciphisa iindleko zonyango okanye basebenzise amanye amafomula anokunciphisa inani lemali engenayo.
- Uxilongo
I-Medicaid yinkqubo ye-inshorensi yempilo exhaswa ngemali efumanekayo kulabo abakwi-bracket engenayo imali engenako ukufumana i-inshorensi yempilo yabucala. Urhulumente wesigqeba ufuna ukuba onke amazwe awanikeze iMedicaid , kodwa elo lizwe liqhuba le nkqubo ngokuhlukileyo. Kukho ezininzi iintlobo ezahlukeneyo kunye namanqanaba okubhalwa. Xhumana neofisi yakho ye-Medicaid ye-state ngolwazi olungakumbi kunye nemiyalelo yesicelo.
- Ukhuseleko lasekuhlaleni
Abantu abadala kunye nabantwana abane-cystic fibrosis banokukwazi ukufumana izibonelelo zokukhubazeka zentlalo kubandakanya uncedo lwemali, umshuwalense wezempilo, okanye zombini. Kubantwana kunye nabantu abadala abangazange basebenze, ukufaneleka kuya kusekelwe kwingeniso kunye nemeko yonyango. Abantu abadala abaye basebenza kwaye bafumana iziqinisekiso zokhuseleko lwezenhlalakahle banakho ukufumana iimali zentengo ngaphandle kwemali yabo ngeniso xa behlangabezana neemfuno zonyango.
I-Medicaid inikeza uncedo lwe-inshorensi yezempilo kubantu abanokukhubazeka. Kwiindawo ezininzi, abantu abafanelekile ukufumana inkxaso-mali yokukhubazeka ngokuzenzekelayo bayakufumana ngokufanelekileyo ngokufumana iMedicaid, kodwa abanye bathi bafuna isicelo esisodwa seMedicaid. Ukutyelela iWebhusayithi yoLawulo loKhuseleko loLuntu ukuze ufunde ngakumbi okanye ufake izicelo ze-intanethi.
Igama malunga nezibheno: Ukuba ufaka isicelo seenzuzo zokukhubazeka kwezentlalo, ungadikibala xa isicelo sakho siphihliwe. Kuqhelekileyo ukuba izicelo zichaswe okokuqala ngethuba zingeniswe, kwaye akuthethi ukuba awunelungelo lokufumana izibonelelo. Ngamanye amaxesha, uLawulo loKhuselo loLuntu lufuna kuphela ulwazi oluninzi ukuba lukwazi ukuvuma isicelo. Ukuba ufumana ileta yokukhanyela, iya kuquka imiyalelo yokufakela isibheno. Uya kuba neentsuku ezingama-60 ukufakela isikhalazo phambi kokuba ukuphika kube sesikweni. Qinisekisa ukulandela imiyalelo ngokucokisekileyo kwaye uthumele isibheno sakho kwisithuba seentsuku ezingama-60.
- SCHIP
Wonke urhulumente kufuneka ukuba abe neNkqubo ye-Intshuwalense yezeMpilo yabantwana (i-SCHIP) enika i-inshorensi ehlawulwa yinkxaso-mali kubantwana abangaqinisekanga. Izidingo zokufaneleka zihluka ukusuka kummandla ukuya kwilizwe, kodwa inkqubo yenzelwe ukuzalisa i-gap kwaye inikezele ukuxhamla kubantwana abazali babo abanokwenza imali eninzi kuMedicaid kodwa abanako ukufumana inshuwalense yangasese. Biza umnxeba we-federal kwi-877-543-7669 okanye u tyelele i-Insure Kids Now ukuze ufunde kabanzi malunga neprogram ye-SCHIP yesimo sakho.