Cano Santiago: Thanzi la ophunzira limalephera mwa ophunzira omwe amapeza ndalama zochepa, omwe akudwala kwambiri – The Cavalier Daily

Nthawi zonse ndikapita ku Student Health kukonza nthawi yokumana kapena kukalandira mankhwala, ndakhala ndi zokumana nazo zabwino. Ndiye kuti, mpaka semester iyi, nditatsegula imelo yanga ndikukhala m’modzi mwa 100 miliyoni Anthu aku America omwe ali ndi ngongole zachipatala. Kungopitilira $600, kunena ndendende. Izi zitha kumveka ngati zoseketsa kwa ena, makamaka pomwe aku America 3 miliyoni ali ndi ndalama zopitilira $10,000 zamankhwala chipembedzo. Komabe, kwa ine, $600 ndi gawo limodzi mwa magawo asanu a ndalama zomwe ndimapeza kotala. Ngongole yachipatala yosafunikira kutopa Achimereka komanso ophunzira pano ku yunivesite. Ngakhale kuti ndi zambiri komanso mwadongosolo amasintha Pali chosowa mkati mwa dongosolo lachipatala, njira ziwiri zazifupi ndizowonjezera chithandizo chamankhwala Kusindikiza Kulankhulana mogwira mtima kwa chidziwitso chachipatala ndi kubweza ngongole zachipatala.

Mwamwayi ngongole yanga yachipatala ndi malipiro a nthawi imodzi zomwe sizowona nthawi zonse mwachitsanzo, kwa iwo omwe ali ndi matenda aakulu kudwala. Mkhalidwe wanga waumwini unabwera chifukwa chosafunikira Kuperekedwa kwa wodwala zachipatala Kusindikiza. Wondithandizira adandiuza kuti ndigwire ntchito ya labu, yomwe ndidakhalabe nayo, njirayo inali yosavuta ndipo ndidalandira zotsatira zanga mwachangu. Ngongole yachipatala inabwera patapita masiku angapo ndipo inandisiya nditasokonezeka. Ndawerengapo mfundo za inshuwaransi yanga ndikudziwa kuti ntchito zina za labu zidzakhala ndi mtengo wotuluka m’thumba mwanga. Sindinauzidwe mtengo wake usanayambe ntchito ya labu kapena sindinauzidwe dzina lenileni la ma lab kuti ndiyang’ane. Ndikadadziwa, ndikadavota kuti ndisagwire ntchito ya labu. Kuphatikiza apo, ma lab omwe ndidachita sanaphatikizidwe pamndandanda ma laboratories Zomwe zimafuna mtengo kuchokera m’thumba.

N’zokhumudwitsa kuti aka sikanali koyamba kuti ndilemedwe ndi ngongole yachipatala kuchokera m’thumba mwanga. Popeza Medicaid yakunja kwa boma sikugwira ntchito ku Virginia, ndidayenera kupeza a Aetna Student Health Plan kudzera ku yunivesite. Nditafika kunyumba kukayezetsa maso pachaka, inshuwaransi yanga yoyambira idalembedwa molakwika ngati Aetna pafayilo yanga m’malo mwa Medicaid. Sindinaperekepo chilichonse kuchokera mthumba mwanga ndi Medicaid. Komabe, opereka akadziwa kuti muli ndi fayilo shopu Kuphatikiza pa ndondomeko ya inshuwaransi yoperekedwa ndi boma, adzayang’anira msikawo kuti uwerengere kaye. Ndinayenera kulipira $300 pa ulendo wanga, ndinalandira ngakhale kalata yondiopseza kuti ndikapita kukhoti ngati sindilipira.

Zonsezi ndi mbali ya chisokonezo chachikulu vuto m’dziko muno. Tsoka ilo, pamene ine ndi anthu ena ambiri aku America amawona chisamaliro chaumoyo ngati moonapali aphungu ofanana wa National Ndipo the chikhalidwe Kuvota motsutsa kuchepetsa kulemetsa kwa ndalama zachipatala. Mwachitsanzo, pamene akuluakulu a congressional akukangana ngati angachepetse mtengo wa mankhwala monga mankhwala osokoneza bongo. Insulin kuopera kuti zingabweretse chilema zachipatala Innovation – anthu imfa. Mwamwayi kwa ena, ngongole yachipatala ndi malipiro anthawi imodzi. Komabe, kwa iwo omwe ali ndi matenda osachiritsika, izi zimachitika pafupipafupi wotsutsa. Pomwe ngongole yachipatala mopanda malire Zimakhudza odwala matenda osachiritsika, ngakhale 41 peresenti aku America ali ndi ngongole zachipatala. Ngakhale magawo awiri mwa atatu aliwonse aku America amatchula ngongole yachipatala ngati chifukwa chachikulu cholembera kusowa ndalama. Kuphatikiza pa mtengo wamankhwala, ngongole yachipatala Itha kuphatikizirapo zinthu zambiri kuchokera pakuchulukirachulukira kwa maulendo azachipatala, kuyezetsa, ndi katemera. Ngakhale mtengo wa ntchito chizolowezi magazi – umene uli Basic Medical kuchita pa chaka thupi mayeso – kwambiri kutupandi makampani a inshuwaransi phindu kuposa kusunga choncho.

Ndiye n’chifukwa chiyani ili buku lachipatala? Zofunika? Eya, zipatala zimalankhula ndi makampani a inshuwaransi ndipo wodwalayo amatayika pakati, koma ali ndi ndalama zambiri. Zipatala ndi opereka inshuwaransi okha ndi omwe amayembekezera odwala kuti amvetsetse chilichonse mwamalamulo pamakonzedwe awo a inshuwaransi-ndipo nthawi zambiri awo. Ayi Zalembedwa kuti anthu wamba amvetse. Ndipotu, makampani a inshuwalansi amafuna Amakana Phimbani anthu mpaka momwe angathere mwalamulo, ndipo adzalemba mapulani awo Pindulani zamalamulo Mipata. Kwa anthu omwe ali ndi matenda omwe analipo kale, izi zimakhala zovuta kwambiri. Amakhala olemedwa ndi mtengo wa mayeso ndi mankhwala okha, koma inshuwaransi imatha kukanidwa ngakhale akuyenera kuti Affordable Care Act. Kuthetsa Izi malire.

yo. Zaumoyo zimagwiranso ntchito pansi pa dongosolo lachipongweli. Ophunzira omwe amapeza ndalama zochepa kapena omwe ali ndi mikhalidwe yomwe inalipo kale sangathe kudalira U.Va. Kuti thanzi likhale chipatala chawo chachikulu. Chifukwa chimodzi ndi chakuti dongosololi liyenera kutulutsa zida ndi ntchito zomwe sizingachitike pakati. Izi zikutanthauza kuti pamene thanzi maulendo KwaulereNtchito ya labu, mankhwala, katemera, ndi ntchito zina nthawi zambiri zimabwera ndi chindapusa. Kuphatikiza apo, inshuwaransi yazaumoyo ya ophunzira kuchokera ku Aetna kuchepa Poyerekeza ndi ntchito zoperekedwa ndi Medicaid ndi Medicare. Chowonjezera chokhumudwitsa ndichakuti ophunzira akusukulu, omwe inshuwaransi yawo yayikulu inali Medicaid kapena Medicare, sangakhale. Oyenera za utumiki umenewo ku Virginia.

Pakalipano, chidwi cha dziko chimayang’ana pa mtengo wa ngongole ya ophunzira a federal chipembedzo, zomwe zimakhudzanso mwangozi ophunzira omwe amapeza ndalama zochepa. Padziko lonse, boma likonzenso ndondomeko yothetsa ngongole zachipatala. Ku yunivesite, ntchito zonse zachipatala za ophunzira ziyenera kukhala zaulere, kapena ndondomeko ya inshuwaransi yamphamvu iyenera kuperekedwa. Kwa nthawi yayitali kuti yunivesite ndi boma ladziko lizindikire ndikuthandizira kuchepetsa m’malo mothandizira kulemetsa kwamankhwala. chipembedzo.

Yásís Cano Santiago ndi wolemba malingaliro a The Cavalier Daily. Atha kulumikizidwa kudzera pa imelo View Viewcavalierdaily.com.

Malingaliro omwe afotokozedwa m’gawoli sikuti ndi a The Cavalier Daily. Mizatiyi ikuyimira maganizo a olemba okha.

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