Xa ndacela umhlobo wam waseKhanada ukuba aqikelele ukuba yimalini elityala lentombi yam 3-ubusuku hlala kwisibhedlele esikhulu saseBoston, wayejonge phezulu. Akakho dummy. Uyayazi indlela ebiza ngayo inkqubo yokhathalelo lwempilo yaseU.S. "$2000?" uthe.
โIyahlekisa loo nto,โ ndaphendula. "Zama kwakhona."
"$5000?" waqikelela engakholelekiyo. Andikwazanga ukumenza aqhubeke eqikelela. Bekuya kuba yinto ekruqulayo ukulinda de afikelele kwisixa esichanekileyo, esasiyi-$71,000.
Usapho lwethu lunethamsanqa lokuba ne-inshurensi yezempilo elungileyo kunye nomvuzo ondilisekileyo, ngoko ke ukwenzakala kwentombi yam akuzange kubangele umonakalo wemali njengoko iziqendu zempilo zenza kwiintsapho ezininzi e-US (Ngo-2014, inkampani yeengcebiso zemali, I-NerdWallet, yafumanisa ukuba amatyala ezonyango ayengoyena nobangela wokutshona kwabantu eU.S.)
Nangona i-inshurensi efanelekileyo, nangona kunjalo, ayikukhuseli ngokungekho ngqiqweni kwinkqubo yokhathalelo lwempilo yase-US. Phambi kokuba intombi yam iye kwisibhedlele saseBoston, yenze iihambo ezintathu - kabini kwi-ambulensi kwaye kanye ngeteksi - kwigumbi likaxakeka kwisibhedlele sasekhaya entshona Massachusetts. Kwisihlandlo sokuqala, waba โneyona ntloko imbi ebomini bakhe.โ Bambuyisela esikolweni kwaye bamxelela ukuba athathe u-Advil kwaye abone ugqirha wakhe kwikliniki yezempilo yaseyunivesithi. Kwiintsuku ezimbalwa emva koko, weva ukuba ndindisholo komzimba kwicala lasekhohlo kwaye wakhwela iteksi eya e-ER. Ngesi sihlandlo bamthumela ekhaya benemiyalelo yokuba aye kubona ugqirha wemithambo-luvo, yaye bamnika iinombolo zemfonomfono zababini ababeqhelisela uqheliselo kufutshane. Enye yezi ngcali zemithambo-luvo yayinomyalezo osisigxina โwokuphuma ukuya kwisidlo saseminiโ kumatshini. Noko yilento ibithethwa ngumyalezo qho xa ndifowuna. Enye ikuthumele ngokuthe ngqo kwi-voicemail labyrinth, isiphumo sayo yayikukuba ukuba ubusisigulana esitsha kufuneka ufekse malunga namaxwebhu ali-10 awohlukeneyo kwaye bazakufowunela ukwenza idinga.
Ingaba le nkqubo yokhathalelo lwempilo kufanele ukuba isebenze njani okanye ikwazi nokuhamba ngenqanawa kumntu oqhelekileyo?
Kwisihlandlo sesithathu esiya kwi-ER, wafowunela u-911 kuba icala lasekhohlo lomzimba wakhe lalibuthathaka. Umphenduli wokuqala wayelijoni likarhulumente elangena kwigumbi lakhe elincinane lokulala laza kwangoko lacela ukukhangela ibhegi yesithandwa sakhe. โNdive ivumba lembiza kwilifti,โ watsho, engabalulekanga. Emva koko wamkhupha ngenkani inkwenkwe yakhe egumbini, emsusa intuthuzelo enye ngelo xesha.
Akufanelanga ukuba ukhusele amapolisa axhobileyo kwigumbi lakho lokulala xa ukwimeko engxamisekileyo yezonyango, kodwa ngokudityaniswa kokuhlala uzolile kwaye umhlophe, intombi yam kunye nesithandwa sayo banyamezele / basinda kwibutho likarhulumente de kwaba yi-EMTs. yafika. Ndithethe nee-EMTs emnxebeni: โNceda ungambuyiseli kwakweso sibhedlele. Baye bamkhulula kabini ngaphandle kokwenza umfanekiso. Nceda umse kwesinye isibhedlele esixhobele ngakumbi ukumnyamekela.โ
โUxolo,โ batsho. โUbonakalisa iimpawu zestroke. Kufunwa ngumthetho ukuba simse kwesona sibhedlele sikufutshane.โ
Esibhedlele, washukunyiswa. Oonesi noogqirha bafumanise ukuba akanastroke baza bamxelela ukuba ahlale alinde. Zathi zakubuya iimpawu zokuxhuzula ezingaqhelekanga, waphakama wabaxelela. "Ngaba unengxaki yokukhathazeka?" babuza. โZama ukuba ungabi neemvakalelo kangako.โ
Ngengcebiso kagqirha wakhe wokuqala, iqabane lam kunye nam sakhawuleza saya entshona Massachusetts, samlanda e-ER apho babeza kumkhulula khona kwakhona, samthatha samsa kwisibhedlele esikhulu saseBoston, apho bafumanisa ukuba wopha. kwingqondo yakhe kwaye wamngenisa kwi-neuro ICU.
Malunga neveki emva kokuba ekhululwe, iqabane lam lawa elorini emsebenzini laza laphuka ukakayi, yaye sasibuyele kanye kwi- neuroICU yesibhedlele esinye. Le yayiyiCompment yoMsebenzi. ibango, ngoko zonke iindleko zakhe ziya kuhlawulwa, kodwa phantsi komthetho waseMassachusetts, wayehlawulwa kuphela kwi-60% yomvuzo wakhe ngelixa engasebenzi. Indawo yam yokusebenza inephakheji yeenzuzo zesisa ngokwemigangatho emininzi, kodwa kwafuneka ndithathe ixesha lekhefu ukuze ndimnyamekele. Nje ukuba oko kuphelile, ndingathatha ikhefu elingahlawulelwayo (phantsi kwe UMthetho weKhefu loNyango loSapho).
Kubantu abakwamanye amazwe aphuhlileyo, oku kuvakala ngathi kukuphambana, kodwa e-U.S., oku kubeka usapho lwethu phezulu kwimfumba ngokubhekisele kumnatha wokhuseleko loluntu. Abasebenzi abaninzi banokhuseleko olumbalwa kunathi. Ikota enye yabasebenzi baseU.S akafumani xesha leholide elihlawulelwayo. Phantse I-40% yabasebenzi becandelo labucala abafumani ntlawulo ngexesha lokugula. Kwaye kuphela I-41% ikulungele ukufumana ikhefu phantsi kwe-FMLA.
Ke, silapha - elinye ilungu losapho liphuma esibhedlele kwaye libuyela ekhaya, kwaye elinye ilungu losapho lijongene neentlungu ezigqithisileyo kunye nokuchacha kweenyanga ezininzi. Unokucinga, ngemisebenzi yethu yobuchwephesha, ehlawulwayo, i-inshurensi yezempilo elungileyo, kunye nezibonelelo zethu, singakwazi ukugxila ekuphiliseni. Kodwa, hayi. Yonke into ibingumlo.
Baye bakhulula umlingane wam esibhedlele emva kweentsuku ezimbini nangona intlungu yakhe yayisenzima kakhulu. โBiza into yokuqala ngomso ntseni,โ bathi, โkwaye ufumane idinga kwikliniki yeentlungu.โ
Kuvakala ngathi licebo elihle, kodwa kwakungekho dinga kwikliniki yeentlungu kangangeeveki ezi-6. Ndingumququzeleli oqeqeshiweyo onomlomo omkhulu kunye nomgangatho ophakathi omhlophe wokuba nelungelo, kwaye ndichithe iiyure kwifowuni ndisebenza kuyo yonke ikona, kwaye andizange ndifumane idinga elinye kwikliniki yeentlungu naphi na eBoston. indawo yemetropolitan. Ngoko xa iintlungu zakhe zazingenakunyamezeleka, sabuyela kwi-E.R., ekwakufuneka siyenze izihlandlo ezibini ezingakumbi.
Ngalo lonke ixesha ndandisithi, โJonga, asiyontloko yakhe nje ebuhlungu. Kwakhona wakruneka umqolo wakhe ngexesha lokuwa. Ke ukwiintlobo ezimbini zeentlungu eziqatha. โ Ngalo lonke ixesha ndiphakamisa le nkxalabo, bathi, "Sigxile entlokweni yakhe ngoku."
Kulungile, ndiyayifumana. Intloko yakhe ibekwe phezulu kwi-inkxalabo-imitha kunokulimala kwezicubu ezithambileyo ngasemva, kodwa iintlungu zibuhlungu, kwaye xa ukuyo amaxesha amabini, kwaye usesibhedlele ngenxa yechrissakes, kunye neengcali zonyango kulo lonke icala, kutheni ungamniki isiqabu kumonzakalo okwindawo yesibini?
Ngoba? Ewe, kuba kuninzi kakhulu ukubuza. Ingcaphephe ephethe ukhathalelo lwakhe yayiyi-neuro-surgeon, owakha, kwaye andizange ndinikhulise, yatsho kum ngokucothayo: โN-e-u-r-o,โ wachaza ngononophelo. "Oko kuthetha ukuba i-b-r-a-i-n."
โEwe,โ bendifuna ukuphendula, โKwaye le yi p-e-r-s-o-n.โ
Kodwa inkqubo yezempilo yase-US ayimiselwanga ngokwenene ukujongana ne-p-e-r-s-o-n-s. Yenzelwe ukuguqula inzuzo. Njengoko ngakumbi nangakumbi ukhathalelo zithunyelwe kwiingcali kunye iinkqubo ezinengeniso ukuthatha indawo yokuqala ngaphezu kokuqeshwa kwezigulane ezineemeko ezingapheliyo, oogqirha kunye nezibhedlele yenza ingeniso enkulu ngelixa izigulane zihlupheka ngenxa yokungakhathalelwa.
Kwaye umnatha wethu wokhuseleko loluntu awenzelwanga ukusigcina sikhuselekile. Yenzelwe ukusigcina siqeqeshekile kwaye sisemphethweni - siyabonga ngeemvuthuluka kwaye sikhululekile ukuba singayi-bankrupt.
I-ZNetwork ixhaswa ngemali kuphela ngesisa sabafundi bayo.
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