Ndine nhumbu uye handina inishuwarenzi yehutano muUSA

Ndine nhumbu uye handina inishuwarenzi yehutano muUSA, ndedzipi sarudzo dzangu?

Pane zvakawanda zvingasarudzwa zvekutsvaga inishuwarenzi yekuberekwa kana uchinge wava nepamuviri.

Nekudaro, iwe unofanirwa kudzidza nezve maviri akakosha misoro.

Vakadzi vanowana mari yakawandisa kuti vakwanise Medicaid ivo vanogona kutenga zvakavanzika chirongwa vasina nguva dzekumirira.

Vanotarisira vanaamai vanogona kutanga kufukidza chero nguva yegore kana vakawana chiitiko chinokodzera cheupenyu sekuroora baba, kutamira kuzip code nyowani, kana kuve mugari weUS.

Kubata: Inishuwarenzi yehutano Hapana nguva yekumirira

Vakadzi vane pamuviri vane mikana yakawanda yekuwana nhumbu yeinishuwarenzi yehutano pasina nguva yekumirira. Dzimwe nzira dzinofukidza kuchengetwa kwepamuviri uye zvekubata pamwe nekutakura zvikumbiro zvemasevhisi akapihwa nekukurumidza mushure menguva yekushanda kwemutemo, uye dzimwe nguva kumberi.

Medicaid ndiyo sarudzo inosarudzwa nekuda kwemutengo wakaderera , retroactive mabhenefiti uye nekukurumidza kunyoresa. Zvirongwa zvakavanzika zvinobatsirawo vamwe vakadzi vane nhumbu ipapo, asi kwete zvakanyanya.

Mamiriro ekugara aripo

Chinhu chekutanga kuziva ndechekuti makambani haakwanise kufunga nezve nhumbu mamiriro akambovapo einishuwarenzi yehutano. Pasi pemutengo unodhura weCare Act, zvirongwa zvehutano zvakavanzika zvinofanirwa kufukidza mamiriro ese anehukama pasina nguva yekumirira. Zvakare, iyo kambani haigone kuramba kufukidzwa nekuti iwe uri kutotarisira mwana.

Nekudaro, nepo nhumbu isiri iyo yakatovepo mamiriro, iwe zvakare haugone kunyoresa mune yakazvimiririra hutano inishuwarenzi chero nguva iwe yaunoda. Kuvhara kunogona kungotanga panguva imwe chete yekunyora nguva.

• Kunyoresa kwegore negore kune zuva rinoshanda raNdira 1. Unogona kusarudza kufukidza kubva munaNovember 1 kusvika Zvita 15 wegore rapfuura.
• Nguva dzakakosha dzekunyora dzinotanga chero mwedzi wegore. Iwe unosarudza chirongwa mukati memazuva makumi matanhatu echiitiko chinokodzera uye kufukidzwa kunoshanda pane^chekutangazuva remwedzi unotevera.

Zviripachena, iyo Yakakosha Kunyoresa Period inopa yakanakisa maternity kufukidza pasina nguva yekumirira, nepo Kunyoresa kwegore kusingaite, kunze kwekunge iwe wawana chinyorwa ichi munaNovember kana Zvita. Nekudaro, iwe unofanirwa kuona chinokodzera chiitiko cheupenyu kutora mukana wenguva yakakosha yekunyora.

Inokodzera Hupenyu Zviitiko

Kubata haisi chiitiko chinokodzera chehupenyu hweinishuwarenzi yehutano hwepachivande pasi peiyo Affordable Care Act. Izvi zvinoreva kuti vakadzi vane nhumbu vanofanirwa kuve nechimwe chikonzero chakasiyana chekuti vakwanise kufukidza maternity vasina kumirira kunyoreswa pagore.

Mitemo yacho inosiyana zvishoma pakuronga kweumwe neumwe, kufukidzwa kweboka kubasa, uye mushure mekunge iwe uine mwana wako.

Zvirongwa zvemunhu mumwe nemumwe

Pazasi pane zviitiko zvehupenyu zvinokodzera zvinoita kuti iwe ukodzere kunyoresa nguva yakatarwa mumusika wega.

• Kusazvipira kurasikirwa kwekumwe kufukidzwa.
• Roora baba vemwana.
• Kutamira kune nyowani zip kodhi
• Kuva mugari weU.S.
• Iko kukanganisa kwekunyoresa iyo yanga isiri mhosva yako

Kumbira nhumbu yeinishuwarenzi yehutano kota kana ukasangana neimwe kana yakawanda yeaya mamiriro. Mumiriri anogona kutaura newe kuti utaure nezve sarudzo.

• Iwe wakasangana nehupenyu hunokodzera mumazuva makumi matanhatu apfuura.
• Ikozvino ndiNovember kana Zvita (kunyoreswa kwegore)
• Iwe unogara kuchamhembe kweNew York uye unonakidzwa nemitemo yakapfava

Mutemo weinishuwarenzi weNew York inotsanangura kubata sechiitiko cheupenyu chinokodzera. Zvakare, tarisa iyo mitemo mudunhu rako semitemo inoshanduka kazhinji. Tsvaga iyo yepamutemo runyorwa yezvikonzero hurumende yemubatanidzwa pano.

Vashandirwi mapoka

Rondedzero yezviitiko zvehupenyu zvinokodzera mushandirwi-based boka reinishuwarenzi hutano hwakafanana, asi iine musiyano wakakosha. Mitsva mitsva inokodzera kunyoreswa kwakasarudzika (chero nguva yegore) mushure mekushandira nguva yekuedzwa kwemushandirwi.

Wese mushandirwi anosarudza yake nguva yekuyedza. Nguva yacho inogona kuva mazuva 0, mazuva makumi matatu, mazuva makumi matanhatu, mazuva makumi mapfumbamwe kana kudarika. Naizvozvo, kutsvaga basa idzva rinopa inishuwarenzi yehutano imwe sarudzo yekuwana maternity inishuwarenzi pasina nguva yekumirira.

Kuva nemwana

Kuve nemwana zvakare chiitiko cheupenyu chinokodzera yeinishuwarenzi yehutano. Mushure mekusununguka, une mazuva makumi matanhatu ekuwedzera mwana wako achangozvarwa kuchirongwa chiripo kana kutenga mutemo wega wega kumwana wako.

Nekudaro, iyo shanduko inofanirwa kunge ichienderana nechiitiko. Uyu hausi mukana wekutora kufukidzwa kwaAmai. Urongwa hutsva haufanire kubhadhara basa rechipatara nekutakura

Veruzhinji Medicaid

Medicaid inopa inishuwarenzi yekuzvitakura kune vakadzi vatove nepamuviri vasina nguva yekumirira. Muchokwadi, iko kufukidzwa neruzhinji kunogona kunyange kubhadhara 3-mwedzi mwedzi zvirevo zvichidzoka. Tarisa mitemo mudunhu rako kana uchinyoresa.

Pamusoro pezvo, Medicaid haimanikidze chero mhando yekunyoreswa kwenguva. Unogona kutanga kufukidza ipapo ipapo pasina kumirira kusvika Ndira. Uyezve, haufanire kuona chiitiko cheupenyu chinokodzera kuti utange pakati pegore.

Nekudaro, nyika yega yega inoisa miganho yemari. Medicaid inogona kuramba vanaamai vane nhumbu vanowana mari yakawandisa. Chikamu chemubhadharo chinogadziridzwa pakukura kwemhuri uye chinogona kusanganisira vana vako vasati vaberekwa. Ona pazasi pane sarudzo kana iwe usingakwanise.

Maternity inishuwarenzi kana iwe watove nepamuviri

Pane zvimwe zvingasarudzika zvekutarisa kune inishuwarenzi yematernity kana iwe uchitova nepamuviri. Iwe unogona kukwanisa kuwana rubatsiro nekutarisirwa kwepamuviri, kuwedzerwa, basa, uye kuendesa kwekutakura. Kuchengetwa kwakakodzera uye kwekunwa nemuromo kwakakosha kuhutano hwaamai nemwana wavo.

Hurumende yemubatanidzwa inopa rubatsiro rwemari-kubva kune vakadzi vanowana mari yakawandisa kuti vakwanise kuwana Medicaid. Zvakare, chirongwa chevabereki vako chinogona kukupa kufukidza. Zvakare, mapurogiramu ehurumende anogona kukubatsira iwe panguva yako yekuberekwa.

Kuvhara kwevabereki

Inishuwarenzi yevabereki vako ichavhara nhumbu yako here? Kuvimba nepamuviri kuvhara idambudziko kune vechidiki uye vechidiki vezera pasi pemakore makumi maviri nematanhatu vanovimba nezano revabereki vavo. Nehurombo, hapana vimbiso yekuti chirongwa chevabereki vako chichafukidza ese matarisiro ako paunenge wakamirira.

Ino inzvimbo yekutanga yekutaridzika. Nekudaro, usafunge zvakakwana kusangana kwevakadzi. Ita shuwa iwe unobvunza iyo chaiyo mibvunzo munzira kwayo kune vanhu chaivo.

Vashandirwi mapoka

Vanoda kusvika makumi manomwe kubva muzana (70%) evashandirwi-based group inishuwarenzi yehutano zvirongwa hazvifukidze vanovimba nepamuviri. Izvi zvinoreva kuti vazhinji vanasikana vari kuyaruka uye vechidiki vakura vanogona kufunga dzimwe nzira.

Mitemo miviri yemubatanidzwa inorema kwazvo pamusoro penyaya uye inosiya zvakakosha.

1. Mutemo wePregnancy Discrimination Act unoda zvirongwa zvehutano zveboka zvekuchengetedza kuchengetwa kwepamuviri uye mamwe mabasa anoenderana. Nekudaro, ichi chinodikanwa hachiwedzeri kune vanovimba.
2. Iyo Inotengeka Care Act inoda zvirongwa zveboka kufukidza kudzivirira kwekuzvitarisira pasikarudzi kune nhumbu dzinotarisirwa. Zvisinei, izvi hazviwedzeri kuchipatara chinodhura zvakanyanya chevashandi nekutakura.

Makambani ane mazita

Ive nekuchengera kubvunza iyo chaiyo mibvunzo nezve inovimba nepamuviri kufukidza. Yese kambani yeinishuwarenzi inopa akasiyana siyana zvirongwa muboka, munhu, uye musika weveruzhinji. Zano rega rega rinoshanda zvakasiyana, kunyangwe kana rakapihwa nekambani imwe chete.

Bata neinishuwarenzi uye ubvunze nezve inotarisirwa kubata nhumbu yekuvharira kune yakasarudzika chirongwa chako vabereki vako. Usafunge kuti iyo mitemo inoshanda zvakaenzana pane zvese zvirongwa zvakapihwa nechero ipi inonzi makambani einishuwarenzi.

• Aetna
• Nziyo
• Bhuruu Muchinjikwa Bhuruu Shield (BCBS)
• Cigna
• Munhu
• Kaiser Permanente
• United Hutano

Usakwanise kuwana Medicaid

Vakadzi vazhinji vane nhumbu vasina inishuwarenzi vanoita mari yakawandisa kuti vakwanise kuwana Medicaid, kana kufunga kudaro. Funga nezve idzi sarudzo kana iwe uchida kuona chiremba uye usingakwanise kubhadhara mari yacho.

1. Yakatemerwa Kubata Medicaid ine yakakwira mibairo yemari pane yakajairwa Medicaid. Usafunge kuti unoita mari yakawandisa kuti ukwanise. Iwe unogona kunge uri kutarisa zvisirizvo seti yemiganhu kana kushandisa imba saizi mitemo zvisirizvo. Mwana mumwe nemumwe asati azvarwa anoita senhengo yekuwedzera yemhuri. Nyorera kuhofisi yako yedunhu uye uite kuti vaburitse kuramba.
2. Vakadzi vakaramba Medicaid nekuti ivo vanowana mari yakawandisa, ivo kazhinji vanokodzera kupihwa rubatsiro rwakazvimirira rweinishuwarenzi yehutano. Hurumende yemubatanidzwa inopa maviri mafomu erutsigiro rwemari zvinoita kuti zvikwanisike kubhadhara kuchengetwa kwepamuviri uye kuendesa mwana wako muchipatara.

Premium kuderedzwa

Vakadzi vanowana mari yakawandisa kuti vakwanise kuwana Medicaid vanowanzo sangana nezvinodikanwa zvekuderedza mari. Izvi zvinotsigirwa zvinouya nenzira yekumberi kana kubhadhara mutero zvikwereti uye kudzikamisa muzana yemari yaunofanira kushandisa pane wega wega hutano inishuwarenzi yehutano. Iyo muzana inoenderana nemari inowanikwa maererano nehurombo hurombo.

Mari yekugovana kudzikisira

Vakadzi vakarambidzwa Medicaid vanogona zvakare kukodzera kudzikisira-kugovana kuderedzwa. Idzi rubatsiro dzinodzora zvaunofanirwa kubhadhara muhomwe yehurongwa-hwesirivheri hurongwa hunowanzo kufukidza 70% yemavhareji emari. Zvekare, iro danho rekudzikiswa kwemutengo rinoenderana nemari inowanikwa nehurombo hurombo.

Unoda ultrasound

Vakadzi vane nhumbu vasina inishuwarenzi uye vanoda iyo ultrasound havafanirwe kutarisa kure. Ultrasound (sonography) inoshandisa mafungu eruzha kutora mifananidzo yemwana ari kukura nenhengo dzokubereka dzaamai kuti vaone zvingangoitika zvisina kumira zvakanaka.

Iyo yekutenda-yakavakirwa nhumbu yekushandisa inowanikwa mukati Munyika yese vanopa mahara mahara emadzimai akazvitakura. Mhedzisiro inoitwa uye ichidudzirwa nevakapihwa marezinesi kunzvimbo inochengetedzwa yezvokurapa. Vanoita basa iri mahara kubatsira madzimai kusarudza kusarudza hupenyu hwemwana wavo.

Shandisa yemahara ultrasound mufananidzo seyakanaka nhumbu yekuyedza kana uchinyorera Medicaid.

Basa remazino

Kuva nepamuviri usina inishuwarenzi yemeno kunoshamisa zvakakosha uye kunopa sarudzo dzinoverengeka kubatsira kubhadhara kurapwa. Iwe hausi kuda skimp pamuromo kutarisirwa uchitarisira mwana.

Mahormone epamuviri anoita kuti matadza azvimbe uye abude ropa. Matadza akazvimba anoteya chikafu uye anokonzeresa kutsamwa mumuromo. Kushatirwa kunogona kutungamira kuzvirwere uye chirwere chemazino. Gum chirwere chinosanganisirwa nebasa risati rasvika.

Kugara uchichenesa (prophylaxis) kunogona kudzikisira njodzi idzi. Idzi sarudzo dzinogona kubatsira kubhadhara basa remazino.

• Medicaid inovhara yakakwana yekuchengeta mazino mumatunhu mazhinji
• Inishuwarenzi yehutano inovhara basa rinodikanwa remazino.
• Zvirongwa zvemazino zvine nguva pfupi yekumirira kuchengetedza kwekudzivirira.

Rezinesi reMaternity

Vakadzi vanoshanda mune dzimwe nyika vane zvishoma zvinonetsekana nezve kuve nepamuviri vasina kubhadhara maternity zororo kana zviri pamutemo basa rekudzivirira. Izvo zvakakosha kuve neyekuchengetedza sosi yemari panguva iyo yaunofanirwa kumira kushanda usati uye mushure mekubereka. Zvakare, zvinobatsira zvakanyanya kana waunoshandira achifanira kuchengeta chinzvimbo chako chakavhurika kusvikira iwe wadzoka.

Hurumende-yakavakirwa rubatsiro rwemari zvirongwa zvinowanzo batsira vabereki vane matambudziko ekushanda.

1. Iyo federal Family Medical Kusiya Act inoshanda pasirese
   1. Mavhiki gumi nemaviri ekudzivirira kusabhadharwa kwevashandi
   2. Makambani makumi mashanu evashandi
2. Kune akabhadharwa mapurogiramu emhuri ekusiya mumatunhu mana
   1. California
   2. New Jersey
   3. New York
   4. Rhode Island
3. Kuremara kwenguva pfupi kunovhara zororo ramai rekuzvitakura.
   1. California
   2. Hawaii
   3. New Jersey
   4. New York

Vabereki vanogona kutora mari dzekushaya basa mushure mekubereka zororo mumatunhu makumi maviri nemaviri mushure mekunge vagona uye varipo kuti vadzokere kubasa. Matunhu makuru akaita seTexas, Illinois, Washington, Wisconsin, uye nevamwe vanozorodza zvinodiwa kune vanhu vanosiya mhuri inomanikidza kana chikonzero chakanaka.

Zviri Mukati

• Kubata: Inishuwarenzi yehutano Hapana nguva yekumirira
• Mamiriro ekugara aripo
• Inokodzera Hupenyu Zviitiko
• Zvirongwa zvemunhu mumwe nemumwe
• Vashandirwi mapoka
• Kuva nemwana
• Veruzhinji Medicaid
• Maternity inishuwarenzi kana iwe watove nepamuviri
• Kuvhara kwevabereki
• Vashandirwi mapoka
• Makambani ane mazita
• Usakwanise kuwana Medicaid
• Premium kuderedzwa
• Mari yekugovana kudzikisira
• Unoda ultrasound
• Basa remazino
• Rezinesi reMaternity

• Maitiro ekuziva kana ini ndadonhedza OVARIES Zviratidzo uye Kurapa