Ukupasa komThetho wokuNakekelwa ongenakuncedo:
Ngo-Obamacare kwaye uphumelele, olu lungiso lwezempilo olutsha luye lwashiya abaninzi ukuba bazibuze ukuba kutheni ndisadingeka ukuhlawula ngokukhulelwa kwe- contraception ? Kubonakala sengathi ukuhamba nge-Care Affordable Act kuye kwashiya abaninzi imibuzo eninzi kunezimpendulo. Ngoko, makhe ndizame ukukunceda ukuhlenga ezinye zezi zinto.
Iimfuno ezintsha zokubambisa iinshorensi ze-Obamacare, ngokukodwa iinkonzo zokuthintela abafazi, zasebenza.
Oku bekubaninzi kakhulu kuwe. Ngaphantsi koMthetho woNonophelo ongenakuncedo, ngokokuqala ngqa, iinkampani ze-inshorensi ziya kufunwa ukuba zibandakanye iingeniso ezongezelelweyo zempilo yabasetyhini ukuzalisa izikhelo kwiinkonzo zokukhusela zangoku. Izikhokelo ezintsha ezinikezelwe phantsi koMthetho wezoKhathalelo ongenakuncedisa zivumela abafazi ukuba bafumane isethi epheleleyo yeenkonzo zokukhusela ngaphandle kokuhlawula i-copayment, i-coinsurance okanye i-deductible (ekwabizwa ngokuba yi-share sharing cost).
Yaye i-cherry phezulu, uMthetho ojongene noNonophelo olungabonakaliyo (kunye neenkonzo zezempilo zokuthintela ezempilo) uthatha zonke izicwangciso ze-inshorensi zempilo ozifumana kumqeshi wakho, umrhweba womhlaba / utshintshiselwano okanye uzithenge ngokwakho (ngaphandle kwabaxhaswa ngabaqeshi benkolo) ukuba isembozo, ngaphandle kokwabelana ngeendleko, zonke iinketho zokulawulwa kokuzalwa kwe -FDA kunye nokucebisa ngokukhusela. Oku kuthetha ukuba kufuneka ufumane ukubonelelwa kwakho kwinyanga yonke ngexabiso lokuphuma ngaphandle kweendleko , njengoko iindleko ezipheleleyo ziya kugutywa kwiprimiyamu yakho yenyanga.
Inkampani yakho yomshuwalense ayikwazi ukuhlawula iintlawulo ezongezelelweyo kule nkonzo, njengemali-mali okanye i-deductibles.
Ukudideka Ngomyinge Wokukhusela
Konke oku kuvakala kuhle, kunene? Kodwa kubonakala ngathi kukho ukudideka okuqhubekayo. Ngokomzekelo, makhe sijonge eBacca, ndithumele nge-imeyili la mazwi alandelayo:
"Namhlanje ndaya kuthenga iNuvaRing yam kunye nenkampani yam inshorensi isacinga ukuba ayifuni ukuyihlawula. Ndiye efonini yonke imini kunye nabo kwaye ndicinga ukuba siyayiqonda ngokucacileyo umthetho ngokwahlukileyo."
Ngoko ... ngubani ofanelekileyo kule meko? Ngelishwa, bobabini. Uyabona, nangona umthetho ojongene noNonophelo lwezeMpilo ungene ukusebenza ngomhla ka-Agasti 1, 2012, oku akuthethi ukuba uya kufumana ezi zinzuzo UNGQULUNKULU kule mini. I-Obamacare idinga kuphela iiplani zempilo ezintsha ukuba zihambelane neemfuno zokukhulelwa kwe-contraception - ngoko kusebenza kuphela kwizicwangciso ezibhaliweyo okanye zithengwa emva koNonophelo lwezeMpilo eziHlanganisiweyo.
Izicwangciso ze-inshurensi yezempilo ebezikho ngaphambi kokuba u-Obamacare azalwe ngokubanzi (inentsingiselo, akudingeki ukuba anikezele ngezibonelelo zokukhulelwa). Oku kuthetha ukuba isicwangciso sinokuqhubeka siqhuba njengoko sinakho. KANYE, ukuba inkampani yomshuwalense yenza nayiphi na inguqu ebalulekileyo kwisicwangciso (njengokunyuka kwee-coinsurance, i-copayments, okanye i-deductibles, i-benefit cut cutting, okanye ukuphakamisa umda we-pocket ngamanani athile), isicwangciso asiyi kuphinda sizalwe. Ngoko, iindaba ezilungileyo kukuba ezi zicwangciso aziyi kuzala ngonaphakade. Uninzi lwezicwangciso sele lulahlekile le meko.
Ngoko kubuyela kumbuzo kaBicca malunga ne-inshurensi yakhe engayifaki iNuvaRing, oku kungenzeka kukuba icebo lakhe lizalwe, kwaye yingakho ephikisiwe.
Ngako-ke Kutheni Ubungasayi Kufuneka Ukuhlawula Ukukhulelwa?
Ewe, kukho nakubakho ukudideka malunga naluphi na iipilisi ezikhuselekileyo. Nangona u-Care Affordable Act uthi abafazi baya kufumaneka kuzo zonke izicwangciso zokukhulelwa kwe-FDA ezivunyiweyo- ZONKE iintlobo azilingani nazo zonke iimpawu . Ngaphantsi kwe-Obamacare, izicwangciso zinobuchule bokulawula iindleko kwaye zikhuthaze ukuhanjiswa ngokufanelekileyo kwenkathalo, ngokomzekelo, ukuqhubeka nokuhlawula ixabiso lentengo (ukuhlawula imali, uhlalutyo, ukuchithwa kwemali) kwizidakamizwa zogqirha ukuba i-generic version ifumaneke kwaye iphumelele kwaye khu selekile.
Iinkampani ezininzi ze-inshorensi ziguqulela icandelo lomthetho ovumela ukuba "basebenzise ulawulo olufanelekileyo lwezonyango ukuze bancede ukulawula iindleko" ukuba bathetha ukuhlawula i-co-pay for some forms of birth birth but not others. Yingakho unokuxelelwa ukuba kufuneka uhlawule umvuzo wokubambisana ukuze ufumane i-NuvaRing, okanye ukuba kuphela iipilisi zolawulo lokuzalwa ngokuzalwa ngaphandle kokuhlawula i-co-co.
Ngoko, Ziziphi iingenelo zam inzala phantsi kwe-Obamacare?
Ziziphi iinkampani ze-inshorensi ezivunyelwe ukuba zenze okanye nini ikhampani yakho yomshuwalense ikhetha kunye nokukhetha ukuba yeyiphi i-contraceptive iya kuba yindleko?
- Ukuba ulwaphulo lwenu luhlobo oluthile, isicwangciso sakho se-inshorensi sinokukhetha ukunikezela kuphela enye indlela yokufumana inkululeko. Basenokufuna ukuba, ukuba ukhetha igama lomenzi wegama-mveliso (xa i-generic efanayo ikhona), uhlawule umlinganiselo wexabiso phakathi kwezi zibini.
- Ukuba akukho luhlobo lwe-generic lwe-contraceptive yakho, kufuneka lufake i-brand-brand name ngaphandle kokuhlawulwa kwekhowudi. Oku kuthetha ukuba phantsi koMthetho woNonophelo ongenakunqwenelekayo, izicwangciso ze-inshorensi kufuneka zigubungele, ngaphandle kweendleko kuwe, iNuvaRing, i- Ortho Evra Patch , i- Depo-Provera , i- Mirena , i- ParaGard , ne- Nexplanon kuba akukho zindlela ezingezantsi zolu hlobo.
- Ukuba kukho kuphela ukhetho lokukhulelwa kwe-FDA oluvunyiwe olufumaneka e-US, kufuneka uyiqulunqe icebo lakho (umzekelo, iNuvaRing yindoda yokukhulelwa kuphela, ngoko kufuneka ihlanganiswe). Kodwa ekubeni kukho iintlobo ezininzi zokudibanisa iipilisi zokulawula ukuzalwa , iinkampani ze-inshorensi zempilo zingabhalela ezinye zazo. Ngoko ke iziphi iipilisi ezigqityiweyo ngokukodwa ngaphandle kokuhlawulwa kwemvumelwano-mali kungahlukahluka ngesicwangciso.
- Ukuba ugqirha wakho ugqiba ukuba igama le-brand-brand "lilungele imithi" kuwe, ikhampani yakho yomshuwalense kufuneka inikezele inkqubo yokukhupha okuza kukuvumela ukuba ufumane ukulawulwa kokuzalwa kwegama lakho ngaphandle kokuhlawula i-co-pay.
- Izicwangciso kufuneka zinikeze ngaphezu kweepilisi zolawulo lokuzalwa mahhala. Bakufuneka ukuba banikeze ufikelelo olupheleleyo lweendlela ze-FDA ezivunyiweyo zokukhulelwa komzimba - oku kuquka iindlela zokugada kunye nokukhulelwa kwe-contra-counter.
- Zonke iinkonzo ezinxulumene nokukhulelwa komzimba zifunekayo ukufaka i- contraceptive (njenge- IUDs ), umyalelo wokulawulwa kokuzalwa, ukulandelelana nokulawula imiphumo yecala lokukhusela, ukululekwa ngokuqhubekayo kunye nokukhutshwa kwezixhobo ezifakekayo kufuneka kuhlanganiswe ne-$ 0 yokuhlawula i-co-pay pay.
- Ukuqhawula ngokusisigxina, njenge- Essure kunye ne- tubal ligation , kufuneka kwakhona unikezwe ngaphandle kokwabelana ngeendleko.
Ezinye Izinto Zokugqibela Ukugcina Ingqondo:
- Ukukhulelwa kwexesha eliphuculweyo kuthathwa njengenzuzo. Nangona kunjalo, khumbula ukuba iPlani B I-One Step is a branded brand, ngoko icebo lakho le-inshorensi liyakwazi ukukhawulela ezinye iindlela ezikhoyo, i- Next Choice One Dose , Indlela yam kwaye uthathe isenzo ngokukhululeka kwaye uhlawule umvuzo wokubambisana kwiCwangciso B.
- Izithintelo zokukhulelwa kwezilwanyana ezingaphezu kwamanqaku afana ne- spermicides , iikhondom zamabhinqa , kunye neNday sponge zixutywe nguMthetho woNonophelo ongenakunciphisa. Kodwa, ukwenzela ukuba ezi zikhutshwe ngaphandle kweendleko ze-out-of-pocket, kufuneka ukuba ugqirha wakho abhale umyalelo wale mithi yokukhulelwa. Ngoko nangona zikhona i-OTC, ukuba awufuni ukuba uhlawulele, uya kufuneka ufumane umyalelo wokuqala. Njengoko iipilisi ezisemva kwemva nazo zinesimo se-OTC , uya kufuneka kwakhona umyalelo (kungakhathaliseki ukuba uneminyaka yakho) ukuba ufuna inkampani yakho yomshuwalense ukuba uyihlawule. Unako ukuthenga le mithi yokukhusela ngaphandle kwemithi - abayi kukhululeka.
- Izinzuzo zokukhusela iinkonzo zisebenza kuphela kubafazi . Ngoko phantsi koMthetho woNonophelo ongenakunciphisa, inkampani yakho yomshuwalense inokuhlawula iipayayenti okanye iinqununu kwiindlela zesisombululo esithatha amadoda, njenge- vasectomies okanye iikhondom .
- Ukukhupha izisu kunye neziyobisi ezifana ne- RU-486 azibandakanyi phantsi kweenkonzo ezingathintekiyo zeNkxaso yezeMpilo, ngoko ke iinkampani ze-inshorensi ayifuni ukubonelela ngeenkonzo ngaphandle kokwabelana ngeendleko.
Dinga uncedo?
Ngenxa yokudideka kwe-contraception under Obamacare, unokucelwa ukuba uhlawule umyalelo wokuzalwa omele ukhululeke. Ukuba ucinga ukuba inkampani yakho ye-inshorensi ayilandeli uMthetho woNonophelo ongenakunqwenelekayo, kukho izenzo onokuzithatha.
- Shayela inamba yesevisi yelungu emva kwekhadi lakho le-inshurensi okanye uthethe umxhasi womncedisi wakho ukuba aqinisekise ukuba isicwangciso sakho sizalwe kakhulu kunye / okanye ukubuza malunga naluphi na iipilisi ezikhuselekileyo.
- I-National Women's Law Centre idale i- toolkit eyincedo ekuncedeni ukulwa nesigxina esinikwe kuwe phantsi koMthetho wokuNakekelwa ongenakuncedo. Esi sixhobo siquka:
- Isatidi yokugeleza ukukunceda ukuba ufumane ukuba ukhuseleko lwakho lukhutshwe.
- Iskripthi esisetyenziswayo xa ufowuna inkampani yakho yomshuwalense iimpendulo / ulwazi.
- Iileta zempendulo zokuthumela inkampani yakho yenkampani yomshuwalense ukuba ihlawule umvuzo wokuhlawula ngokukhethekileyo uhlobo lwenu lokulawula ukuzalwa kunye nezixhumanisi zokubandakanya ukubuyisela amalungelo akho.
- Imiyalelo malunga nendlela yokufaka isibheno.
Imithombo:
FDA. "Isikhokelo soLawulo lokuzalwa." I-Ofisi yezeMpilo yabasetyhini.
United States Isebe Lemisebenzi. "Imibuzo malunga noMthetho ojongene noNonophelo ojongene noNonophelo lweCandelo loLondolozo lweNtlonipho." Ulawulo lwezoKhuseleko lwaBasebenzi. NgoFebruwari 20, 2013.