Ii-inshurensi zezeMpilo zibingelela amaMerika ngenzuzo
http://prwatch.org/news/2011/08/10929/health-insurers-sacrifice-americans-profit
I-PR Watch
Abathathu kwiinshorensi ezinkulu zezempilo babhengeze umvuzo wekota kwezi ntsuku zimbalwa zidlulileyo. Ukuba abantu baseMelika bebekwazi ukuphulaphula ukuba ngaba abaphathi abavela kwezi mizi-mveliso baxelela iinkosi zabo zaseWall Street rhoqo emva kweenyanga ezintathu, baya kuba nokuqonda ngcono ukuba kutheni iipremiyamu ziqhubeka zinyuka ngelixa inani labantu abanonyango lonyango lihlala lisihla.
Kuthatha kuphela amagama amathathu, xa ufika ezantsi kuyo, ukuchaza eyona nyani yabo bantu: inzuzo phezu kwabantu.
CIGNA kwaye Abantu zicwangciselwe ukunika ingxelo ngengeniso kule veki. Iinkampani ezintathu esele zithethile - UnitedHealth, WellPoint kunye Aetna - ifumene i-2.51 yeebhiliyoni ezidibeneyo ukusuka ngo-Epreli ukuya ekupheleni kukaJuni, ngaphezu kokuba abahlalutyi bebelindele. Ngokwesiseko sesabelo ngasinye, imivuzo yabo inyuke ngaphezu kwe-17 lepesenti kumndilili xa kuthelekiswa nekota yesibini ka-2010.
Ezo ziphumo bezingekho ngqiqweni. Iinshorensi ezinkulu zezempilo zengeniso ziye zavuthuza ulindelo lwabahlalutyi emanzini kangangeekota ezininzi ngokulandelelana, nanjengoko ilizwe lizama ukubuyisela ukudodobala koqoqosho kunye nenani labantu baseMelika ngaphandle kokhuseleko - omnye kwabathandathu kuthi - iyaqhubeka nokunyuka.
Ngokusekelwe ekusebenzeni kwabo okuqinileyo ngexesha lesiqingatha sokuqala salo nyaka, i-UnitedHealth, i-WellPoint kunye ne-Aetna bonke baye baphakamisa uqikelelo lwabo lwenzuzo ye-2011. Ngamanye amazwi, balindele ukufumana imali eninzi kakhulu kulo nyaka kunonyaka odlulileyo kwaye ingaphezulu kakhulu kuneyona nto ininzi. abatyali-mali abanethemba kunye nabahlalutyi bebelindele.
Oku kwenze iWall Street yonwaba kakhulu, njengoko kubonakaliswe kukonyuka okumangalisayo kwamaxabiso ezabelo zeenkampani kulo nyaka uphelileyo. Ukususela ekupheleni kukaJulayi ka-2010, abatyali-mali baye babiza i-stock ngaphezu kwe-50 ekhulwini kwi-35 enkulu. I-WellPoint, i-laggard, yabona ixabiso layo lentengo lenyuka nge-XNUMX ekhulwini.
Enye yeemfihlelo zokufezekisa ezi ziphumo yinto abanini-inshurensi abayibiza ngokunyanisekileyo "ulawulo lwezonyango." Oko kuhlala kuguqulela kumabango akhanyelwayo kwaye kwaliwe ukhuseleko oluyalelwe ngugqirha. Amabango ambalwa owahlawulayo kunye neenkqubo ezininzi owalayo ukuzihlawulela, imali eninzi eseleyo ukuze abatyali-mali bayifake kwiipokotho zabo.
Enye indlela ebalulekileyo abaye bakwazi ngayo ukugcina uluhlu olunjalo lweziphumo ezincumisayo zemivuzo kukutshintsha ngakumbi nangakumbi iindleko zokhathalelo kubanini-polisi zabo. Ipesenti eyonyukayo yabanini-migaqo-nkqubo yezi nkampani babhaliswa kwizicwangciso ezifuna ukwabelana ngeendleko ezinkulu. Abo banini-polisi bahlawula ngakumbi ukhathalelo kwiipokotho zabo kunanini na ngaphambili ngelixa ii-inshurensi zabo zihlawula kancinci kakhulu.
Iinshorensi ziyakucekisa ukukuvuma oku, kwaye bebesenza intaphane yezizathu ezivakalayo zokuchaza ukuba kutheni behlawula imali encinci kakhulu yokhathalelo kunokuba abatyali-mali kunye nabahlalutyi bebelindele kwaye ngaphantsi kakhulu ngokwepesenti kuneminyaka edlulileyo.
Izizathu ezingapheliyo zokukhohlisa iNyaniso
Ekupheleni kwe-2010, abaphathi baxelele iWall Street ukuba "ukusetyenziswa" kweenkonzo zonyango kwakungaphantsi kwe-2009 kuba ixesha lomkhuhlane kunyaka odlulileyo lalingaphantsi. Baqinisekise ukusetyenziswa kwabatyali-mali kuya kubuyela kumanqanaba aqhelekileyo kwikota yokuqala ka-2011.
Xa kungenzeki oko, imozulu embi yasebusika yayibekekโ ityala. Abaphathi beinshorensi babefuna sikholelwe ukuba abantu abalufumani ukhathalelo abalufunayo kuba kwakubanda kwaye kunekhephu kunesiqhelo. Basiqinisekisa ukuba inkcitho yezonyango iya kuphinda ixhumeke ngokukhawuleza nje ukuba imozulu iphucule kwaye umkhenkce nekhephu zinyibilike.
Ummangaliso! Yinyanga ka-Agasti abantu abasayi kwagqirha okanye bathathe imiyalelo yabo okanye bayojonga esibhedlele njengoko beqhele ukwenza.
Kwaye yintoni isizathu ngeli xesha? Luqoqosho, bathi - nangona ukudodobala koqoqosho kuphele ngokusesikweni kwisithuba esingangonyaka odlulileyo. Ubuncinci abaphathi be-UnitedHealth bavuma ukuba, njengoko i-AP ibike, "izicwangciso zempilo ezenza izigulane ziqonde ngakumbi iindleko zokunyamekela zinokuba nefuthe."
Ingayiyo? Ndinike isithuna. Kwaye yeka ukuthetha kabini. Into esiyaziyo kukuba asikwazi ukufumana ukhathalelo esiludingayo ngenxa yokutsalwa kwexabiso eliphakamileyo kwizicwangciso zezempilo zanamhlanje, abathi i-inshurensi ibhale kakubi "iqhutywa ngabathengi."
Amagama eKhowudi ye-inshorensi
Abaphathi beshishini le-inshorensi ziingcali ekuthetheni ngekhowudi, nto leyo eyenza kube nzima ukuqonda ukuba bayixabisa kangakanani na inzuzo ngaphezu kwabantu. Ngamanye amaxesha, nangona kunjalo, bahamba, njengoko umphathi-mali oyintloko we-Aetna, uJoseph Zubretsky, wenza ngoLwesithathu odlulileyo ngexesha lenkomfa yenkampani yakhe kunye nabahlalutyi.
Ngokucacileyo ixhala lokuba abatyali-mali banokucinga ukuba u-Aetna wayezimisele ukukhula ngokongeza abantu kwimiqulu yabo abanokuba nezidingo zonyango, uZubretsky wachitha iWall Street yaloo mbono.
"Singathanda ukuba nenzuzo kunye nokukhula, kodwa ukuba kufuneka ukhethe phakathi kwenye okanye enye, uthatha umda kunye nenzuzo kwaye uncama umgca wokukhula," utshilo uZubretsky.
Nokuba wayeyazi okanye wayengazi, wayesasaza i-CEO yeWellPoint u-Angela Braley. Kwinkomfa yenkomfa ye-2008 kunye nabahlalutyi bezemali, uBraley kwafuneka avume ukuba inkampani yakhe ichithe ngaphezulu kukhathalelo lwezonyango kwiinyanga ezintathu ezidlulileyo kunokuba yena noWall Street babelindele.
Kwixesha elizayo, wathembisa, "Asiyi kuncama inzuzo yobulungu."
Yiloo nto kanye iWall Street eyayifuna ukuyiva.
I-WellPoint kunye ne-Aetna kunye nabanye abakhuseli be-inshurensi baye babonisa ngokuphindaphindiweyo ukuba ngelixa beza kwenza konke okusemandleni abo ukuphepha ukunikela ngenzuzo yobulungu, bakulungele ukuncama amalungu abo - kunye noluntu lwaseMelika - ngenxa yenzuzo.
I-ZNetwork ixhaswa ngemali kuphela ngesisa sabafundi bayo.
Nikela