Txoj kev sib koom siab ntawm kev puas siab puas ntsws yog kev lees paub txog kev mob hlwb hauv kev mob nkeeg zoo li qhov sib piv rau kev mob nkeeg ntawm cev nqaij daim tawv.
Keebkwm, ntau lub tuam txhab fajseeb khomob tau txwv cov kev pab rau kev mob hlwb rau qis qis dua li cov uas muaj rau lub cev. Yog li, ntau tus neeg xaiv tsis mus nrhiav kev kho mob, thiab kev kho me ntsis yog qhov kev xaiv rau cov neeg xaiv uas tau txais kev pab.
Txoj Cai Kev Nyab Xeeb Kev Nyuaj Siab thiab Txoj Cai Tswjfwm Kev Khwv Nyiaj
Raws li kev cai lij choj cov kev cai ntawm kev puas hlwb, phobias thiab lwm yam kev mob hlwb yuav tsum raug kho tib yam nkaus li caj npab los yog lwm yam mob.
Txoj Cai Kev Nyab Xeeb Kev Nyuaj Siab thiab Txoj Cai Tswjfwm Kev Ua Haujlwm ntawm 2008 tau ua kom paub meej tias cov tuav pov hwm yuav tsis muaj kev sib cais rau cov neeg mob hlwb, nrog rau cov teeb meem kev quav yeeb tshuaj . MHPAEA samfwm kom cov pabcuam hauv pawg kho mob thiab cov chaw pabcuam kho mob them rau cov teeb meem kev mob hlwb xws li lwm yam kev mob. Tshwj xeeb, txoj cai tswjfwm pom zoo tias cov kev cai thiab kev kho mob yuav tsum tsis muaj kev txwv ntau dua li cov tsis muaj kev mob hlwb.
Tsab cai tau hais tias cov kev pabcuam teebmeem kev mob hlwb thiab kev quav yeeb tshuaj yuav tsum tau muaj nyob rau theem sib luag rau koj cov kev kho mob thiab kev phais mob. Deductibles, co-pays, thiab tag nrho lwm cov nqi tawm hauv hnab tshos tawm yuav tsum ncaj ncaj rau koj them rau kev kho mob.
Ntxiv rau, cov kev txwv ntawm cov kev mus ntsib, cov kev kho mob ntau npaum li cas, thiab tag nrho lwm cov kev pabcuam yuav tsum yog sib piv.
Txoj Cai Kho Mob Nqis
Thawj Tswj Hwm Barack Obama txoj Cai Saib Xyuas Kev Nqes Peev Nyiaj Txiag tau ua raws li Mental Health Parity and Add Equity Act of 2008.
Feem ntau cov kev pab them nqi kho mob yuav tsum tau them tam sim no tiv thaiv cov kev pab tiv thaiv, xws li kev txhawj xeeb ntawm kev nyuaj siab, rau cov neeg laus thiab kev ntsuam xyuas tus cwj pwm rau cov me nyuam yaus tib yam li lwm cov kev pabcuam tiv thaiv hauv kev npaj khomob.
Txij li thaum xyoo 2014, cov ntawv kho mob tsis tuaj yeem tsis kam lees koj txoj kev pab them nqi kho mob rau "kev mob ua ntej."
Thaum mus yuav kev pov hwm kho mob nkeeg hauv Health Care Marketplace koj xaiv tau los ntawm ntau cov kev npaj khomob uas tau raws li koj tus kheej xav tau. HMOs, PPOs, cov kev pabcuam them nqi-rau-kev pabcuam thiab lwm yam kev xaiv muaj nyob hauv cov tuam txhab fajseeb khomob tshwjxeeb. Koj tuaj yeem xaiv ib lub tswv yim nrog cov nqi ntau dua thiab cov nqi them tsawg dua, tab sis tsawg dua cov nqi them, los yog cov phiaj xwm nqi siab dua nrog cov nqi them tsawg. Koj tuaj yeem mus ntsib kws kho mob uas koj nyiam, nrog rau cov kws kho mob tshwj xeeb. Cov khoom tshwj xeeb yuav txawv raws li lub hom phiaj koj xaiv, tab sis koj yuav tsis raug tsis kam lees daim ntawv pov hwm, fim ntau dua los yog poob ntawm koj txoj kev npaj vim muaj kev mob ua ntej, kev hloov hauj lwm los yog pib mob.
Kev Puas Siab Puas Ntsws
Tam sim no hais tias Txoj Cai Tswj Xyuas Txoj Kev Txiav Txim Siab tau pab txhawb nqa kev kho mob hlwb, koj yuav tau txais kev pab kho mob hlwb uas koj xav tau raws li koj tus kws kho mob cov lus pom zoo. Cov tshuaj kho mob hlwb yuav tsum them los ntawm cov tuam txhab muag kev pov hwm 'formularies. Qhov tseeb, cov txiaj ntsim kev pab thiab cov nqi ntawm cov hnab tshos tawm yuav txawv raws lub hom phiaj uas koj xaiv.
Source:
Teb Chaws Asmeskas Tuam Tsev Ua Haujlwm