Ixesha elidlulileyo kunye nekamva leMpilo ye-Intshumo
Kukho imiba emibini kwingcamango yokuphatheka okubalulekileyo kwincoko yokulungisa impilo. UMthetho we-Inshurensi yokuPhathwa kweeNtsholongwane kunye neNtlawulo (i-HIPAA) ukhusela abasebenzi baseMerika ukuba bafikelele kwi-inshurensi yezempilo xa betshintshe okanye baphulukane nemisebenzi ngokuqinisekisa ukuba izimo ezixhomekeke kwiimeko ezingenakuvimbela ukufikelela komntu kwinshuwalense yezempilo.
Ekubeni i-inshorensi isekelwe kumqeshi, nangona kunjalo, umqeshwa kufuneka enze utshintsho kwinkampani yakhe yomshuwalense kwaye acwangcise xa kwenziwa utshintsho lomsebenzi; iinshorensi yezempilo ayinakunyulwa ukusuka kumqeshi omnye ukuya kwelinye.
Oku kubaluleke kakhulu kuba ngamnye unyaka abaqeshi banikela iinshurensi yezempilo njengenzuzo. Ngoko ke, abaninzi abasebenzi baziva bengenakunyulwa kubaqeshi babo; abanako ukutshintsha imisebenzi ngenxa yokuba abanakho ukukwazi ukulahlekelwa yinshuwalense yabo yezempilo.
Iingcali ezininzi zokuguqulwa kwezempilo zitsho ukuba ukuguquka kufuneka kudluliselwe kumntu, kude nomqeshi. Oku kuya kuthetha ukuba xa umntu esamkelwe kwisicwangciso socwangciso lwempilo kwaye uyaqhubeka nokwenza iintlawulo ze-premium eziyimfuneko, uya kukwazi ukuqhubeka nokufumana iinkonzo zonyango ngelo cwangciso nangona bahamba emsebenzini.
Ukunyameka emva koMthetho wokuNakekelwa ongenakunqunyiwe ka-2010
Umthetho wokuNakekelwa ongenakuncedo (ACA) ufuna abantu bathenge i-inshurensi yezempilo okanye bahlawule isigwebo.
Iyakwandisa ukufikelela kwi-inshorensi yempilo ngokuphelisa ulwaphulo-mthetho kwiimeko ezikhoyo ngaphambili, ukusetyenziswa okuphezulu kwezempilo kunye nolwazi lwezofuzo.
Nangona kunjalo, i-inshurensi isacetywayo okanye ngokusebenzisa izicwangciso zeqela ezibonelelwa ngabaqeshi okanye ngokuthengwa ngezoqoqosho . Ukutshintsha abaqeshi okanye ukufudukela kwimeko ehlukile kuthetha ukuba umntu kufuneka akhethe icebo lempilo elitsha.
Ukutshintshiselana kwempilo kwenza ukuba kube lula ukuyeka amava, kodwa kusadingeka wenze izigqibo ezininzi kwiindleko, ukuxhamla, iintlawulo, ababoneleli, kunye nokunye.
HIPAA kunye no kuPhatha
Ukuba ulahlekelwa ngumyinge phantsi kwesicwangciso sakho sempilo esele sikhona okanye ufuna ukutshintshwa ngokukhawuleza ngenxa yeziganeko ezithile zobomi, unamalungelo obhaliso olulodwa kwisicwangciso esitsha ngaphandle kwexesha eliqhelekileyo lokubhalisa. Iziganeko zobomi ezidweliswe zibandakanya ukulahlekelwa kwenkcazo phantsi kwesicwangciso somlingane okanye isicwangciso somzali ngenxa yokufa, umtshato, ukulahlekelwa ngumqeshwa ngumlingane okanye umzali, ukunciphisa iiyure zokusebenza kunye nokuhamba ngaphandle kwendawo eqhutywa yi-HMO yakho.
Ngaphantsi kwe-HIPAA kunye nokukhuselwa okongeziweyo yi-ACA, izicwangciso zezempilo azikwazi ukukhanyela inkcazo yemeko yezempilo, unyango kunye nengqondo yengqondo, imbali yakho yamabango kunye nokusetyenziswa kwezempilo, ukukhubazeka, imbali yonyango kunye nolwazi lwezofuzo. Akunakukufuna ukuba ube nokuhlolwa ngokomzimba okanye uphendule umbuzo wezebuzo zezempilo uze usebenzise oko ukukushiya ngaphandle. Kwakhona, ukuba unomdla wokuba unobungozi obunjenge-skiing awunakuphikwa ukukhutshwa kwesi sicwangciso, kodwa banokulinganisela izibonelelo zabo xa ulimala wenza loo msebenzi.
Jonga ngakumbi: Iimbuzo ze-FAQ malunga nokuPhathwa kweMpilo kunye ne-HIPAA
Ixesha elizayo loKhuseleko lweNtshuwalense yeMpilo
Ngokutshintshwa kwamandla ezopolitiko kwiNgqungquthela kunye ne-ofisi kaMongameli-Obama, kuya kubakho iinzame ezininzi zokuguqula uMthetho ojongene noKhathalelo.
Abathengi baya kufuneka bahlale bengenakuqhelaniswa neengxoxo kwaye bavumele abameli babo bazi ukuba baxabisa kakhulu ukulawulwa kwinshuwalense yezempilo.