Mzere wa alendo: Ma inshuwaransi akuyenera kuchulukitsa chithandizo chamankhwala amisala

Ndi kukhazikitsidwa kwa nthawi yolembetsa yotseguka pachaka ndipo a Michiganders akufufuza njira zabwino kwambiri za inshuwaransi yazaumoyo mu 2023, mutu umodzi waukulu ukupitilizabe kuwongolera zokambirana zaumoyo: chisamaliro chaumoyo.

Malinga ndi National Council on Mental Health, 1 mwa 5 akuluakulu (52.9 miliyoni) ku United States adadwala matenda amisala mu 2020, kuphatikiza 1 mwa akulu atatu aliwonse azaka 18-25. Kudzipha ndi chinthu chachiwiri chomwe chimapha anthu azaka zapakati pa 10 ndi 34.

Ku Michigan, a Pafupifupi 1.3 miliyoni Anthu ali ndi mtundu wina wa matenda amisala.

Kusowa mankhwala

Tikukumana ndi vuto lomwe likukula m’dziko lathu la matenda amisala. Anthu ochulukirapo akufunafuna chithandizo, koma ambiri sakuyenera kulandira chithandizo chaulere kapena chotsika mtengo, alibe chithandizo chomwe amafunikira kapena sangathe kulipira mtengo wokwera wa chisamaliro. 54% ya akuluakulu omwe ali ndi matenda amisala salandira chithandizo.

Vuto lalikulu limakhala la inshuwaransi yosakwanira pankhani ya chisamaliro chamankhwala.

Ngakhale kusintha kungapangidwe pazaumoyo wa anthu onse komanso wamba, mapulani a inshuwaransi achinsinsi nthawi zambiri amakhala ndi chithandizo chosowa, kubweza ndalama zochepa kwa osamalira, komanso chithandizo chamankhwala chochepa kwambiri. Zotsatira zake n’zakuti mazana masauzande a anzathu aku Michigan sakulandira chithandizo chamankhwala chamisala chomwe amafunikira komanso choyenera, ndipo ena sakulandira chithandizo chilichonse.

Anthu omwe ali ndi nkhawa komanso kupsinjika maganizo nthawi zambiri amakanidwa chithandizo, zomwe zimapangitsa kuti pakhale zosokoneza komanso zotsatirapo za nthawi yayitali pa ntchito yawo, miyoyo yawo, ndi mabanja awo, kuphatikizapo bankirapuse.

Okhala ku Michigan amathandizira magawo otsika mtengo komanso ofikirika azaumoyo: kafukufuku wofalitsidwa m’chilimwe ndi Consumers for Quality Care. Onetsani kuti 89% ya ovota aku Michigan Amakhulupirira kuti inshuwaransi iyenera kubweretsa chisamaliro chochulukirapo chamankhwala ammutu komanso malangizo ogwirizana nawo.

Chitani thanzi ngati ofanana

Thanzi la m’maganizo liyenera kuwonedwa mofanana ndi chisamaliro chakuthupi – koma izi siziri choncho.

Mwachitsanzo, mungafunike kuyendera kamodzi pachaka kwa dokotala wanu wamkulu wa chisamaliro, koma njira yapakati yothandizira odwala psychotherapy ndi magawo asanu ndi limodzi. Malamulo apano a parity, omwe amakhazikitsa zolipirirana zofananira paulendo uliwonse waumoyo wamaganizidwe ndi thanzi lakuthupi, angapangitse wodwala kulipira kasanu ndi kasanu ndi ndalama zolipirira njira yokhazikika yachipatala motsutsana ndi chisamaliro chathupi.

Kuphatikiza apo, odwala matenda amisala angafunike mitundu ingapo, yovomerezeka kwa nthawi yayitali, komanso maumboni, kuyambira pampumulo kupita ku ntchito zapakhomo, kasamalidwe ka milandu, nyumba zamavuto, malo olandirira alendo, kapena thandizo lopeza nyumba ndi ntchito. Izi ndi zopindulitsa zomwe ambiri aku Michiganders amalandira kudzera m’mapulogalamu aboma ngati Medicaid, komabe nthawi zambiri samakhala pamalingaliro achinsinsi.

Ngakhale pamene chithandizo chikuperekedwa, kupeza wothandizira zaumoyo nthawi zambiri kumakhala kozizwitsa – chifukwa cha malipiro ochepa kwambiri omwe makampani a inshuwalansi amapereka kwa osamalira. M’malo mwake, anthu omwe amayesa kupeza chithandizo chamankhwala amisala nthawi zambiri amapeza kuti mndandanda wa opereka chithandizo chamankhwala ndi “ukonde wachinyengo,” kutanthauza kuti opereka chithandizo samavomereza inshuwaransi ya wodwalayo kapena kukhala ndi mindandanda yayitali yodikirira.

Chinanso n’chakuti m’zaka zaposachedwapa anthu okonda kumwa mowa ndi mankhwala osokoneza bongo akuchulukirachulukira. Kufalikira kwa nkhaniyi kumasiyanasiyana kwambiri, chifukwa mankhwala ofunikira nthawi zambiri amasiyidwa, zomwe zimapangitsa kuti zikhale zovuta kupeza chithandizo. Thandizo lokhazikika lomwe nthawi zonse liyenera kukhala losankhidwira nthawi zambiri silipezeka, ndipo chifukwa chakusalidwa, anthu nthawi zambiri amaopa kumenyera ufulu wawo wosamalira.

Ndiye pali chinsinsi chomwe ambiri samazindikira: Othandizira ambiri azamisala satenga ngakhale inshuwaransi ndikungogwiritsa ntchito ndalama zokha. Pafupifupi theka la asing’anga amisala mdziko muno alibe inshuwaransi konse chifukwa cha kubweza ndalama zochepa.

Ngati muli ndi mwayi wopeza imodzi yomwe ingavomereze inshuwalansi yanu, ikhoza kusungidwa kwa miyezi ingapo. Chifukwa chake ngati muli ndi zosowa zamaganizidwe mwachangu, muli nokha. Ndi vuto losakhazikika kwa iwo omwe akulimbana ndikuyesera kuthana ndi mavuto amisala komanso kugwiritsa ntchito mankhwala osokoneza bongo.

chilungamo chenicheni

Kwa okhala ku Michigan omwe akuyang’ana inshuwaransi yawo yotsatira pomwe akulembetsa momasuka, kuwerenga zolemba zabwino zokhudzana ndi matenda amisala kumatha kukhala kotsegula maso. Makampani omwe amayambitsa mfundozi akuyenera kudzipereka kuti asinthe zomwe zikufunika kuti awonetsetse kuwonekera ndikukwaniritsa “kufanana kwenikweni” kwaumoyo wamaganizidwe. Kwa parity:

  • Kulipira kophatikizana kwa chithandizo chamankhwala amisala kuyenera kuchepetsedwa
  • Ma network ayenera kukulitsidwa kuti awonjezere kuvomereza kwa odwala atsopano
  • Mitengo yobweza kwa opereka chithandizo iyenera kuonjezedwa kuti athe kuwona makasitomala omwe ali ndi inshuwaransi
  • Odwala ayenera kupatsidwa chithandizo chamankhwala chokhazikika komanso chovomerezeka kwa nthawi yayitali

Izi zikachitika, anthu onse aku Michigan adzakhala ndi chisamaliro choyenera, mwayi wolimbana ndi kuchira, komanso mwayi wokhala ndi moyo wathanzi komanso wathanzi.

Robert Sheehan ndi CEO wa Michigan Community Mental Health Association.

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