Babu inshorar lafiya? Gwada waɗannan albarkatun 2020
KamfaninA cikin 2018, 9% na Amurkawa ba inshora. Shekaru biyu da annoba daga baya, miliyoyin da’awar rashin aikin yi suna cika teburin ma’aikatar kwadago. Tunda kusan rabin Amurkawa suna da shirin kiwon lafiya wanda mai daukar ma'aikata ke tallafawa, zamu iya tsammanin adadin marasa lafiyar da basu da inshora zai tashi.
Kodayake har yanzu wasu jihohin suna tilasta shi, amma babu sauran harajin haraji daga gwamnatin tarayya saboda rashin inshorar lafiya. Amma haɗarin rashin inshorar kiwon lafiya ya fi matsalar tattalin arziki girma. Yana sanya lafiyarku cikin haɗari, kuma. A cikin 2019, 1 a cikin iyalai 3 a Amurka sun tsallake kulawar likita saboda tsada. Yin jiyya da bin magani suna da mahimmanci wajen magance rashin lafiya kafin ta zama cuta mai tsanani, wanda shine babban abin da ke haifar da mutuwa da nakasa a cikin U.S.
Don haka me za ku yi idan ba ku da inshorar lafiya? Da farko, ya kamata ka yi la'akari zaɓuɓɓukan ɗaukar hoto na gajeren lokaci da shirye-shiryen masu karamin karfi kamar Medicaid ko Shirin Inshorar Kiwan Lafiyar Yara (CHIP). Koyaya, har yanzu yana yiwuwa a sami kiwon lafiya da magunguna a ragi mai ragi ba tare da inshorar lafiya ba. Anan ga albarkatun don samun taimakon da kuke buƙata.
Dangantaka: Abin da za ku yi lokacin da kuka rasa inshorar lafiya
Samun kiwon lafiya ba tare da inshora ba
Abin farin, rashin samun inshorar lafiya baya nufin ba zaku iya karɓar kulawar lafiya ba. Karkashin Maganin Kiwon Lafiya na gaggawa da Dokar Aiki mai Aiki , kusan dukkanin asibitoci dole ne su ba da kulawa ga marasa lafiyar da ke buƙatar maganin gaggawa ba tare da la'akari da matsayin inshorar su ba. Amma idan ba gaggawa bane? Wasu cibiyoyin kulawa da gaggawa da kuma asibitocin tafiya suna da 'yancin juya marasa lafiya daga aiyukan gaggawa ba tare da sun iya ba. Koyaya, yana da mahimmancin mahimmanci don fifita lafiyar ku akan walat ɗin ku. Akwai hanyoyi da yawa don nemo masu rahusa ko cibiyoyin kiwon lafiya kyauta da samun ragi (ko ma kyauta) allurar rigakafi da magunguna.
Dangantaka:
- Yadda ake ganin likita ba tare da inshora ba
- Gaggawa kula vs. gaggawa dakin
- Yadda ake samun rangwamen ko kwayar cutar mura kyauta
- Waɗanne rigakafin zan iya samun ragi a kan su?
Kudin kiwon lafiya (da yadda ake adanawa ba tare da inshora ba)
Tare da ko ba tare da ɗaukar inshorar kiwon lafiya ba, kiwon lafiya yana da tasirin tsadar dusar ƙanƙara. Ziyara ta farko tare da mai ba da lafiya na iya kashe $ 70- $ 250. Bayan haka, kuna da gwaje-gwajen bincike wanda zai iya kaiwa daga $ 15 don gwajin jini zuwa $ 480 don duban dan tayi. Idan kuna da rauni ko raunin rauni ko rashin lafiya, zaku iya zuwa asibitin kulawa da gaggawa. Hakan zai kashe mara lafiyar da ba shi da inshora $ 100- $ 200. Ziyartar ɗakin gaggawa na iya haifar da kuɗin asibiti na $ 3,000 ko fiye.
Wadannan farashin bai kamata su tsoratar da kowa ba daga neman kulawa, kodayake. Akwai hanyoyin da za a iya samun rarar kudi, ragi, ko kuma sabis na kiwon lafiya kyauta. Kuna buƙatar kawai sanin zaɓuɓɓukan da kuke da su. Yi amfani da albarkatun da ke ƙasa don samun taimako game da farashin kiwon lafiya.
Dangantaka:
- Debtididdigar bashin likita
- Taimako da takardar kudi
- Kudin kiwon lafiya zaku iya nema akan dawowar ku na haraji
- Yadda ake samun kayan sikari masu kyauta
Ajiye kan magani
Shin, kun sani, magungunan ku na iya zama mai rahusa ba tare da inshora ba ? Kusan kwata ( 2. 3% ) na takaddun magani sun fi tsada tare da inshora fiye da shi. Bugu da kari, akwai hanyoyi da yawa don samun karamin rashi ba tare da inshora ba, gami da shirye-shiryen ajiyar kantin magani, takardun shaida na kamfani, da katunan rangwamen sayen magani. Binciko jagororin masu zuwa don nemo sabbin hanyoyin adana magunguna - babu inshora mai mahimmanci.
Dangantaka:
- Ta yaya zan iya ajiye magani na?
- Shin zan iya amfani da katin tanadin takardar sayen magani don magungunan kan-kanti?
- Yadda ake samun maganin haihuwa ba tare da inshora ba
- Yadda za a adana kan umarnin Walgreens
- Yadda ake adanawa akan umarnin Walmart
Neman tsarin inshorar lafiya mai sauki
Kodayake akwai hanyoyin adanawa ba tare da inshora ba, samun damar zuwa kiwon lafiya na iya zama mai sauƙin gaske tare da ɗaukar hoto. Medicaid da CHIP su ne tsare-tsaren kiwon lafiya mafi arha a cikin Tarayyar Amurka da gwamnatocin jihohi ke tallafawa dukansu. Medicaid yana tushen tushen kuɗi ne. Matsayin kudin shiga don cancanta ga Medicaid ya bambanta daga jihohi zuwa jihar. Idan kudin shigar ku yayi yawa ga Medicaid, zaku iya rufe yaranku da CHIP. Mata masu juna biyu ma ana iya daukar cutar ta CHIP a wasu jihohin. Hakanan, ka tuna cewa kodayake farashi ko ragi na iya zama tsada a kan tsare-tsaren kasuwa, har yanzu suna iya adana maka kuɗi yayin da ka kwatanta kuɗin ka zuwa sabis na kiwon lafiya ba tare da inshora ba.
GAME: Yadda ake samun inshorar lafiya
Albarkatun kasa
Anan akwai wasu ƙarin albarkatu don saurin saurin kula da lafiyar jiki:
