Maonero ehutano hwepfungwa ndekuzivikanwa kwehutano hwepfungwa sezvinofanana nezvirwere zvepanyama.
Nhoroondo yekare, makambani mazhinji ehutano inshuwarisi aiva nemigumisiro shoma yehutano hwepfungwa kusvika kune imwe nzvimbo yakaderera pane iyo inowanikwa mumamiriro ezvinhu epanyama. Somugumisiro, vanhu vazhinji vanosarudza kusatsvaga kurapwa, uye hurongwa hwechipatara hwakava sarudzo chete kune avo vanosarudza kuwana rubatsiro.
Iyo Mental Health Parity uye Inodhaka Equity Act
Pasi pemitemo yemafungiro ehutano hwepfungwa, phobias nedzimwe pfungwa dzepfungwa dzinofanirwa kutarisirwa zvakafanana nemaviri akaputsika kana zvimwe zvirwere zvepanyama.
Iyo Mental Health Parity uye Inodhaka Equity Act ya2008 yakaita chokwadi chokuti insurers haigoni kusarura varwere vane chirwere chepfungwa, kusanganisira avo vane zvinetso zvekushandisa zvinodhaka . MHPAEA inoda hurongwa hwehutano hwemapoka uye vashandi ve inshuwarisi vanobatanidza hutano hwepfungwa sezvimwe zvirwere. Kunyanya, chiito chinovimbisa kuti mari dzinodiwa uye mishonga yehutano hwemamiriro ehupenyu hahudziviriri kune avo vasina zvirwere zvehutano husina pfungwa.
Icho chiito chakaraira kuti hutano hwepfungwa uye kushandiswa kwezvinoshandiswa kwezvinodhaka zvigoverwe pane imwe yenhamba yakaenzana nehutano hwako nehutano. Deductibles, co-pays, nemamwe ose kunze kwemahomwe mari inofanirwa kunge yakaenzana kune iwe unobhadhara kurapwa.
Mukuwedzera, kuregererwa kwehuwandu hwekushanyira, huwandu hwehurapa, uye humwe humwe hupi hupi hupi hwakapiwa hunofanira kuenzaniswa.
Affordable Care Act
Mutungamiri weBack Obama Obama akatengesa basa rakagadzirwa paMental Health Parity uye Addiction Equity Act ya2008.
Zvizhinji zvirongwa zvehutano zvino zvinofanira kuvhara maitiro ekudzivirira, zvakadai sekuora mwoyo kuongorora, kuvanhu vakuru uye kuongororwa kwevana kune imwe chete mari inoita semamwe mabasa ekudzivirira muurongwa hwehushuwarenzi.
Kubvira muna 2014, zvirongwa zvehushuga hazvigoni kukuramba iwe kugoverwa kwe "mamiriro ezvinhu akambovapo."
Paunenge uchitenga inshuwalhu yehutano kuburikidza neHealth Care Marketplace unogona kusarudza kubva kune zvirongwa zvakasiyana-siyana zvehutano hwehutano zvinosangana nezvido zvako. HMOs, PPOs, zvirongwa zvekubhadhara-zve-basa uye zvimwe zvasarudzo zvinowanikwa kuburikidza nemakambani ehurumende yveshuwarisi. Iwe unogona kusarudza chirongwa nebhadharo yakakwirira uye unobhadhara mari asi mapurisa ari pasi, kana kuti yepamusoro purogiramu yebhadharo nechepamusoro pezviitiko zvemhosva. Iwe unogona kushanyira chero chiremba iwe waunoda, kusanganisira nyanzvi. Izvo zvaunofanirwa zvichasiyana maererano neurongwa waunosarudza, asi iwe hausi kuzorambidzwa inshuwarisi, kutarisana nezvikwereti zvakakwirira kana kubviswa kubva purogiramu yako nekuda kwemamiriro akambovapo, basa rekuchinja kana kutanga kwezvirwere.
Mental Health Care
Iye zvino kuti Affordable Care Act inotsigira hutano hwepfungwa, iwe uchakwanisa kuwana hutano hwepfungwa hwehutano hwaunoda maererano nezvinodiwa nemupi wako. Mishonga yepfungwa inofanira kuvharwa nemakambani einishuwarenzi 'formularies. Zvechokwadi, zvakanakira zvikwereti uye kunze kwemari yehomwe zvichasiyana maererano neurongwa waunosarudza.
Kunobva:
US Department of Labor.