Kupeza Inshuwaransi Yaumoyo, Kafukufuku Wofunika Kwambiri kwa Anthu Akumidzi – AgriNews

PEOSTA, Iowa – Inshuwaransi yaumoyo ndiyofunikira kubanja lililonse – kuphatikiza alimi ndi oweta ziweto kumidzi, komwe zosankha zitha kukhala zochepa.

Kupereka inshuwaransi ndi kafukufuku akukambidwa pa AgriSafe Talking Total Farmer Health Podcast pa Novembara 1.

Florence Picotte, katswiri wa zachikhalidwe cha anthu akumidzi komanso wasayansi wofufuza wa National Center for Farm Medicine, ndi Maria Bipedes, mphunzitsi wothandizirana nawo pa yunivesite ya Delaware, adagawana zomwe adaziwona pa podcast.

Ndi zochitika ziti zomwe mwawona pazaumoyo wakumidzi?

Pequot: Pali kafukufuku wakumayambiriro kwa zaka za m’ma 2000 kuti mtengo wa inshuwalansi ya umoyo ndi kupeza alimi kunali kovuta. Kuti ndikupatseni lingaliro, m’modzi mwa anzathu, Shoshanna Inwood, adafunsa alimi kuti vuto lalikulu kwambiri lazaulimi ndi chiyani, ndipo taonani, vuto loyamba silinali lokhudzana ndi mtengo wopangira, silinali lokhudzana ndi mtengo wamalonda. nthaka, koma kwa 65% ya alimi, inali mtengo wa inshuwaransi yazaumoyo.

Komanso zomwe tiyenera kukumbukira ndikuti zisanachitike kusintha kwakukulu kwa inshuwaransi ya Medicare kumayambiriro kwa zaka za 2010, panali malamulo enieni okhudza zomwe zinalipo kale zomwe zimapangitsa kuti zikhale zovuta kuti anthu apeze chithandizo.

Chifukwa chake, zomwe tadziwa ndizakuti kuyambira pomwe zosintha zomwe zidabwera ndi lamulo koyambirira kwa zaka za m’ma 2000, anthu sangathenso kusalidwa chifukwa cha zomwe zidalipo kale.

Ndipo zomwe tikudziwanso ndikuti kupeza msika ndi mapulani a inshuwaransi yazaumoyo kudzera mu inshuwaransi yachinsinsi kumakhala kosavuta.

Koma chomaliza chomwe ndinganene ndi chakuti kwa alimi nawonso gwero lofunikira la inshuwaransi yazaumoyo ndi ntchito zawo zakunja kapena ntchito zakunja za anzawo.

Chifukwa chiyani kuli kofunika kupeza chithandizo chamankhwala chakumidzi?

Pequot: Pali zifukwa zambiri. Choyamba, ulimi ndi imodzi mwa ntchito zowopsa kwambiri. Choncho n’zosadabwitsa kuti inshuwalansi ya umoyo ndiyofunika kwambiri kwa alimi.

Ndipo titawafunsa m’mbuyomu, alimi opitilira atatu mwa anayi adati ndi njira yofunika kwambiri yothanirana ndi ngozi.

Zomwe tikudziwanso ndikuti pali kulumikizana kwachindunji pakati pa kuthekera kopereka inshuwaransi yazaumoyo, chisamaliro chaumoyo, ndi mabizinesi aulimi.

Tili ndi umboni wina wosonyeza kuti kuwononga ndalama zambiri pazaumoyo komanso inshuwaransi yapamwamba kungayambitse kubweza ndalama ndipo kungayambitse kutuluka msanga pafamu.

Ndipo kotero tikudziwanso kuti mtengo wa inshuwaransi yazaumoyo ndi chisamaliro chaumoyo zimakhudza mwachindunji zisankho za tsiku ndi tsiku za bizinesi yaulimi.

Izi zikugwirizana ndi mtundu wa ndalama zaulimi zomwe ndingathe kupanga pa famuyo kapena zomwe ndimapanga pafamuyo, kuphatikizapo kuzungulira mlingo wa ndalama – zomwe zimakhudza mwachindunji osati pa chitukuko cha bizinesi yaulimi, mphamvu ya famuyo. , komanso m’kupita kwa nthawi pa ndalama zomwe zingatheke popuma pantchito.

Choncho, nthawi ndi nthawi, inshuwalansi ya umoyo ndi nkhani yomwe imakhudza osati alimi okha omwe amatha kuonana ndi dokotala, komanso chitukuko cha bizinesi yawo yaulimi.

Kodi kafukufuku wina wasonyeza chiyani?

Pequot: Chifukwa chake, zomwe tikudziwa kuchokera ku kafukufuku wa alimi, ndikuti pafupifupi komanso ngakhale isanachitike kusintha kwa inshuwaransi yazaumoyo ya 2010, alimi anali ndi inshuwaransi pamlingo wapamwamba kuposa anthu wamba.

Zomwe tikudziwa, kuchokera ku kafukufuku wathu komanso kuchokera ku USDA, ndikuti tikuyang’ana otsika 90s, 92%.

Komabe, zomwe tikudziwanso kuchokera ku kafukufuku wathu ndikuti kukhala ndi inshuwaransi yazaumoyo sikutanthauza kuti chithandizocho ndi chokwanira komanso sizikutanthauza kuti anthu akumva kutetezedwa ngati angafunikire.

Tinapeza kuti alimi ambiri ndi omwe timawatcha “osatetezedwa.” Ndipo ndi izi, tinayang’ana zomwe anthu adanena ngati ali ndi chidaliro kuti akhoza kulipira ndalama zazikulu zothandizira zaumoyo, ndi kulipiritsa ndalama zowonongeka pakagwa vuto lalikulu la thanzi, theka la alimi adatiuza kuti sanatero. Tili ndi chidaliro kuti atha kulipira – ndipo zili choncho ngakhale ataperekedwa.

Ndipo zomwe tidapeza ndikuti kusiyana kwakukulu kunali kokhudzana ndi khalidwe lachidziwitso. Chifukwa chake, kuchuluka kwa ndalama zotuluka m’thumba, mulingo wa momwe dongosolo lawo limakhudzira.

Kodi alimi angalembetse bwanji chithandizo chamankhwala, pali nthawi yomaliza?

Pippidis: Chifukwa chake, ena aiwo amapeza inshuwaransi yazaumoyo chifukwa mnzawo amagwira ntchito kwa owalemba ntchito omwe amapereka inshuwaransi kudzera pamalowo. Ndiye kuti muyankhe funso lanu liti mulembetse? Chabwino, izo zidzalipidwa ndi abwana anu ndi nthawi yolembetsa.

Ndiye pali Medicare, chabwino? Chifukwa chake, pakhoza kukhala alimi okalamba, 65 kapena kupitilira apo ndipo ali ndi mwayi wopeza Medicare. Choncho nthawi yolembetsa ndi miyezi isanu ndi iwiri yozungulira mwezi wa kubadwa kwawo.

Chifukwa chake, mwachitsanzo, ngati tsiku langa lobadwa liri mu Marichi, ndili ndi miyezi itatu isanafike tsiku langa lobadwa la 65 ndi miyezi itatu pambuyo pake kuti ndilembetse ku Medicare.

Ndiyeno kumapeto kwa chaka, pali nthawi yolembetsa ya Medicare yomwe anthu angasankhe kapena kusintha ndondomeko ya Medicare yomwe ali nayo kapena zowonjezera zomwe angasankhe.

Pali pulogalamu m’chigawo chilichonse yotchedwa SHIP mwachidule. Ndi odzipereka ophunzitsidwa bwino omwe angakhale nanu ndikukuthandizani kumvetsetsa Medicare bwino.

Komanso mapulani a Medicare Advantage komanso njira za Supplemental Health Insurance Plan zomwe zikupezeka mdera lanu.

Kwa msika wa anthu ochepera zaka 65, omwe akufuna mwayi wopeza mapulani amsika operekedwa ndi boma lawo kapena msika wa federal. Nthawi yolembetsa iyi ndi kuyambira pa Novembara 1 mpaka Januware 15.

Palinso mapulogalamu monga Medicaid ndi CHIP. Chifukwa chake, Medicaid ndi ya mabanja omwe amapeza ndalama zochepa. Ndipo CHIP ndi chithandizo cha ana omwe ali m’mabanja omwe ali ndi ndalama zochepa. Zowonadi, nthawi yolembetsa iyi ndi nthawi iliyonse.

Ndipo mutanena zonsezi, ngati muli ndi ndondomeko ya inshuwalansi ndipo chinachake chikusintha, mwinamwake mwataya ntchito kapena kukwatiwa kapena kukhala ndi mwana kapena pali zochitika zamtundu wina – zomwe zimatsegula zenera kuti musinthe dongosolo lanu.

Kodi mungapatse anthu malangizo otani?

Pippidis: Ndikulimbikitsa anthu kuti ayang’ane chaka chatha kapena zomwe umayenera kuchita, chifukwa pali anthu ambiri omwe samapita chifukwa cha mtengo wake. Koma inu mukanapita. Chifukwa chake, chitani masamu ndikuyerekeza ndi mapulani anu.

Ndipo pali zina zabwino kwambiri patsamba la University of Maryland Extension’s Health Insurance Literacy zomwe zingakuthandizeni kupeza manambala awa.

Tili ndi positi yabwino kwambiri yotchedwa Estimating Your Healthcare Costs, ndipo ikupatsani mtundu wamalo ogulitsira. Pangani mapulani awiri. Tiyeni tidutse manambala, ndikuwona yomwe ikugwira ntchito. Izi zidzakuthandizani kusankha ndondomeko yoyenera.

Ndi zinthu ziti zomwe zingathandize anthu azaumoyo?

Pippidis: Healthcare.gov yachita ntchito yabwino kwambiri yothandiza anthu kumvetsetsa zaumoyo ndi inshuwaransi yazaumoyo komanso kulumikizana ndi msika.

N’chifukwa chiyani kuli kofunika kupitiriza kukambirana motere pakati pa alimi?

Pequot: Ndikuganiza kuti pali zifukwa zingapo. Choyamba, kuyendetsa malo a inshuwaransi yazaumoyo ndizovuta komanso zosokoneza. Talankhula ndi alimi angapo omwe afotokoza kukhumudwa kwawo posamvetsetsa momwe zimagwirira ntchito.

Ndipo kotero ndikofunikira kuti zokambirana zipitilize zomwe zingachitike kuti anthu azitha kutenga inshuwaransi yazaumoyo mosavuta.

Chinthu chinanso ndichakuti zomwe tapeza kudzera mu kafukufuku wathu ndi kulumikizana pakati pa inshuwaransi yazaumoyo ndi agribusiness.

Talankhula ndi alimi osawerengeka omwe atiuza zomwe zingapangitse kusiyana kwakukulu ndikuti sindiyenera kuwononga $20,000 pa inshuwaransi yaumoyo pachaka.

Ndipo chifukwa chake ndikuganiza kuti inshuwaransi yazaumoyo ndi imodzi mwazinthu zomwe, monga aliyense payekhapayekha, palibe zambiri zomwe tingachite. Koma kuyankhula ndi mabungwe aulimi, magulu ogulitsa – kukambirana kwenikweni za njira zothetsera zomwe zingagwiritsidwe ntchito, komanso kufikira ndikulankhula ndi opanga mfundo zomwe zingathandize kukhala ndi bizinesi yaulimi yokhazikika komanso yokhazikika.

Leave a Comment

Your email address will not be published. Required fields are marked *