Sebenzisa amandla akho njengoMthengi wezeMpilo oBulumko
Iingcali ezininzi ziya kukuxelela ukuba unyango lwempilo yaseMerika lincinci malunga nempilo okanye ukunakekelwa kunye nemali ngemali. Ukunyuka kweendleko zonyango kuthintela zonke iinkalo zokunyamekela. Izigulane, abaqashi, ababoneleli, abatshutshisi, urhulumente; akukho mvuzo okhuselweyo.
Ngokuhambelana nezindleko zonyango lwezempilo, izigulane ezininzi zikholelwa ukuba kuye kwaba nenqanaba leenkonzo ezincitshiswe kubaboneleli babo.
Ngokomzekelo, ngenxa yokunciphisa ukubuyiswa kweentlawulo zonyango, oogqirha bakubona kubalulekile ukubona izigulane ezininzi ngosuku lwabo, beshiya ixesha elingaphantsi ngalinye. Izigulane zivakalelwa ngathi azinaso ixesha lokuthetha noogqirha okanye ukubuza imibuzo. Ababoneleli bayazi ukuba kufuneka baqhutywe ngokuqeshwa. Iintlungu zikhokelela ekungoneleleni kumacala omabili wesigulane-umniki-mlinganiso.
Ukuqhubela phambili, ngokufikelela lula kwi-intanethi, kunye nokuqonda okuphakamileyo malunga nokukhathalela ngempilo, izigulane ziqala ukuqonda indlela yokusebenzisa impembelelo yabo, amandla abo abathengi, ukutshintsha indawo yokunakekelwa kwezempilo. Siyazi kwaye sinokufumana ulwazi oluninzi kunanini ngaphambili.
Yintoni Amandla Ngaba Umonde-Umthengi Unayo?
Ukususela kwisigulane ukuya kwisigulane, umlinganiselo wabathengi ngamnye uphelele. Ezi zilandelayo ziyimimiselo yonyango lomthengi:
- Ukunakekelwa kwezeMpilo eziThengiweyo: I-subset ye-consumer careism inegama elifanayo, i-CDH idla ngokubhekiselele kwiinkalo ze-inshorensi zempilo kuphela, kubandakanywa iintlobo ezahlukeneyo zezicwangciso ze-inshorensi, izongezelelo kunye neefomferensi ezikhoyo njengama- Akhawunti ye-Savings Health .
- Ukhetho lwe-inshurensi: Izigulana zingakhetha ukwenziwa kwazo kwe-inshorensi. Abaninzi baseMelika bafumana i-inshurensi yabo ngabaqeshi babo. Unyaka ngamnye, ngokuqhelekileyo ngoNovemba noDisemba, abaqeshi banikezela "ixesha lokubhalisa elivulekile" apho abasebenzi bahlaziya i-insurer yabo kunyaka ozayo. Ngokuthelekisa iimfuno zabo zeenkonzo zonyango, kunye nabanikezeli banikezwa ngolu bhoksi, kunye neendleko zeeprimiyamu, ukuxothwa, kunye nokuhlawula imali, izigulane zinokulawula ezinye iindleko zonyango.
- Ukunyulwa koMboneleli: Izigulana zinokukhetha ababoneleli babo. Nangona ezinye iinjongo ze-inshorensi zinciphisa ukhetho, ukukwazi ukwenza ukhetho kusekho kwiindawo ezininzi. Izigulana ziyakwazi ukufumana iinkcukacha zokubonelela, ukunikezelwa kweelayisenisi, kunye nokuphawula ngokuchasene nomnikezeli kunye nokusebenzisa olo lwazi ukukhetha ukuba ngubani na onikezelayo ukuba abone ukunyamekela.
- Ukufikelela kwiRekhodi yezoLonyango: Izigulane ziyakwazi ukuphonononga iirekhodi zabo zonyango kwaye zilungise iimpazamo kunye neengcaciso ezingengcaciso Iimpazamo zenzeka kwiirekhodi zegulane ngezizathu ezahlukeneyo. Ngamanye amaxesha abasebenzi bezonyango bayakhawuleza kwaye ulwazi alushiywanga. Ngamanye amaxesha ukubhalwa kwee-transcript akulungile. Ngamanye amaxesha, ulwazi oluhlekisayo olungengowesigxina sesigulana kufuneka lususwe.
- Ukuchaneka kweefayile zabathengi: I- Medical Information Bureau ingaba nefayile kwisikwere somguli kunye nembali yonyango. Abasebenzisi bokunakekelwa kwempilo be-Smart bayazi ukuba i-arhente yokunika ingxelo kwaye bayazi njani ukuba baqhagamshelane nabo ukuqinisekisa ukuba irekhodi zabo zifanelekileyo kwaye zichanekile.
- Izinketho zonyango kunye nolunye uhlobo lwezokwelapha (CAM), njengezonyango zamagalelo, utywala okanye i-yoga, zandisiwe kwiminyaka yamuva. Izigulane, ziphazamisekile nge-allopathic (ezona zonyango), zikhetha unyango lweCAM rhoqo. Olu tshintsho kwisimo sengqondo kubantu abasebenzisa isigulane senza iyeza ezidibeneyo, inhlanganisela ye-allopathic ne-CAM, ethandwa kakhulu.