Kunzwisisa Medicare

Medicare ihurumende-inomhanya inishuwarenzi yehutano kune vanhu vane makore makumi matanhatu nemashanu kana kupfuura. Vamwe vamwe vanhu vanogonawo kugamuchira Medicare:

• Vechidiki vanhu vane hurema
• Vanhu vane zvachose itsvo kukuvara (magumo-danho renal chirwere) uye vanoda dialysis kana itsvo kuisirwa

Kuti ugamuchire Medicare, unofanirwa kuve mugari weUnited States kana mugari wepamutemo anogara munyika kwemakore mashanu.

Medicare ine zvikamu zvina. Zvikamu A uye B zvinodaidzwawo kuti "Yekutanga Medicare."

• Chikamu A - Kuchengetwa kwechipatara
• Chikamu B - Kunze kwekuchengetwa
• Chikamu C - Medicare Kubatsira
• Chikamu D - Medicare Prescription Drug Chirongwa

Vanhu vazhinji vanogona kusarudza Yekutanga Medicare (zvikamu A uye B) kana Medicare Kubatsira. Uine Original Medicare, iwe une sarudzo yekusarudzawo Chirongwa D chemishonga yako yekunyorera.

Medicare chikamu A chinovhara masevhisi uye zvekushandisa zvinodiwa kuti ubate chirwere kana mamiriro ekurapa uye izvo zvinoitika panguva ye:

• Kuchengetwa muchipatara.
• Unyanzvi hwekuchengetwa kwekuchengetwa, paunotumirwa kunaya kubva pakurwara kana maitiro. (Kufambira mumisha inochengeterwa vakwegura kana iwe usisakwanise kugara pamba hakuna kufukidzwa neMedicare.)
• Kuchengeta varwere.
• Kushanya kwehutano kumba.

Services uye zvekushandisa zvinopihwa uri muchipatara kana nzvimbo inogona kuiswa ndeiyi:

• Kuchengetwa kunopihwa navanachiremba, manesi, nevamwe vanopa hutano
• Zvinodhaka
• Kuchengeta
• Therapy kubatsira nekutaura, kumedza, kufamba, kugeza, kupfeka uye zvichingodaro
• Lab uye imaging bvunzo
• Kuvhiya uye maitiro
• Mawiricheya, vanofamba, uye mimwe michina

Vazhinji vanhu havabhadhare mari yemwedzi neChikamu A.

Kuchengetwa kwekunze. Medicare Chikamu B inobatsira kubhadhara kurapwa uye masevhisi anopiwa seanorapa kunze. Kuchengetedza kwekunze kunogona kuitika mu:

• Imba yekukurumidzira kana imwe nzvimbo yechipatara, asi kana usati wagamuchirwa
• Mahofisi emupi wezvehutano (kusanganisira mukoti wechiremba, murapi, nevamwe)
• Nzvimbo dzekuvhiya
• Rabhoritari kana nzvimbo yekufungidzira
• Kumba kwako

Services uye vamwe vatapi vezvehutano. Inobhadharirawo mabasa ekudzivirira hutano, akadai se:

• Kushanya kwehutano uye mamwe mabasa ekudzivirira, akadai sefuru uye pneumonia kupfura uye mammograms
• Maitiro ekuvhiya
• Lab miedzo uye x-ray
• Zvinodhaka nemishonga yausingakwanise kuzvipa, semishonga inopihwa kuburikidza netsinga dzako
• Kudyisa machubhu
• Anoshanya nemupi
• Mawiricheya, vanofamba, uye zvimwe zvinhu
• Uye zvimwe zvakawanda

Vazhinji vanhu vanobhadhara mubhadharo wemwedzi nemwedzi weChikamu B. Iwe unobhadharawo diki yegore inobviswa. Kana iyo mari yangosangana, iwe unobhadhara makumi maviri kubva muzana emutengo wemazhinji masevhisi. Izvi zvinonzi coinsurance. Iwe unobhadharawo macopayments ekushanya kwachiremba. Iyi imari diki, kazhinji ingangoita madhora makumi maviri nemashanu kana zvakadaro, kune mumwe nemumwe chiremba kana nyanzvi yekushanya.

Chaizvoizvo zvakavharwa munharaunda yako zvinoenderana ne:

• Federal uye nyika mitemo
• Izvo zvinosarudzwa naMedare zvakavharwa
• Ndeapi makambani emuno anosarudza kuvhara

Izvo zvakakosha kuti ugare uchitarisa kufukidzwa kwako usati washandisa sevhisi kuti uzive izvo Medicare ichabhadhara uye izvo zvaungangoda kubhadhara.

Medicare mukana (MA) zvirongwa zvinopa mabhenefiti akafanana neChikamu A, Chikamu B, uye chikamu D. Izvi zvinoreva kuti iwe unovharidzirwa kurapwa uye kuchipatara pamwe nemishonga yekurapa MA zvirongwa zvinopihwa nemakambani einishuwarenzi akazvimirira akapihwa anoshanda pamwe neMedare.

• Iwe unobhadhara mari yemwedzi pamwedzi yerudzi urwu rwechirongwa.
• Kazhinji unofanirwa kushandisa vanachiremba, zvipatara, nevamwe vanopa vanoshanda nechirongwa chako kana iwe uchizobhadhara imwe mari.
• MA anoronga kufukidza ese masevhisi akafukidzwa neiyo Original Medicare (chikamu A uye chikamu B).
• Ivo zvakare vanopa yekuwedzera kufukidza senge chiono, kunzwa, mazino, uye mushonga mushonga kufukidza. Mune zvimwe zviitiko, ungangoda kubhadhara zvimwe zvekuwedzera mabhenefiti akadai sekuchengetwa kwemazino.

Kana uine Original Medicare (zvikamu A uye B) uye uchida kunyorerwa mishonga, unofanira kusarudza Medicare Prescription Drug Plan (Plan D). Uku kufukidza kunopihwa nemakambani einishuwarenzi akazvimirira anotenderwa neMedicare.

Iwe haugone kusarudza Plan D kana iwe uine Medicare Advantage chirongwa nekuti kufukidzwa kwemishonga kunopihwa neaya marongero.

Medigap ndeye Medicare yekuwedzera inishuwarenzi mutemo inotengeswa nemakambani akazvimirira. Izvo zvinobatsira kubhadhara mutengo senge copayments, coinsurance, uye zvakaderedzwa. Kuti utore mutemo weMedigap unofanirwa kuve uine Original Medicare (chikamu A uye chikamu B). Iwe unobhadhara yakazvimiririra inishuwarenzi kambani mari yepamwedzi yemutemo wako weMedigap mukuwedzera kune yemwedzi wega Chikamu B premium iwe yaunobhadhara kuMedare.

Iwe unofanirwa kujoina Medicare Chikamu A pakati pemwedzi mitatu pamberi pemwedzi wako wekuzvarwa (kutendeuka 65) uye mwedzi mitatu mushure memwedzi wako wekuzvarwa. Unopihwa hwindo remwedzi minomwe kuti ubatane.

Kana iwe ukasaina kusaina Chikamu A mukati meiyo hwindo, iwe uchabhadhara mari yechirango kuti ubatanidze chirongwa ichi, uye iwe unogona kubhadhara maprimiyamu epamusoro emwedzi. Kunyangwe iwe uchiri kushanda uye uchizovharwa neinishuwarenzi yako yebasa, unofanirwa kunyoresa Medicare Chikamu A. Saka usamirira kujoina Medicare.

Unogona kusainira Medicare Chikamu B pawakatanga kusaina chikamu A, kana iwe unogona kumirira kusvikira iwe uchida iyo mhando yekuvhara.

Unogona kusarudza pakati pekutanga Medicare (Chikamu A uye Chikamu B) kana Medicare Advantage Plan (Chikamu C). Kazhinji yenguva, iwe unogona kuchinjika neshure pakati pemhando idzi dzekufukidza kamwechete pagore.

Sarudza kana iwe uchida kunyoreswa kwemishonga yekunyorera kana Chikamu D. Kana iwe uchida mushonga wekutora mishonga unofanirwa kuenzanisa zvirongwa zvinotungamirwa nemakambani einishuwarenzi. Usango fananidza iwo maprimiyamu uchienzanisa zvirongwa. Ita shuwa kuti mishonga yako yakavharwa nechirongwa chauri kutarisa.

Funga nezve pazasi zvinhu paunosarudza yako chirongwa:

• Kuvhara - Chirongwa chako chinofanirwa kuvhara masevhisi nemishonga yaunoda.
• Mariro - Enzanisa mutengo waunoda kubhadhara muzvirongwa zvakasiyana. Enzanisa mutengo wemaprimiyamu ako, zvakabviswa, uye zvimwe zvinodhura pakati pesarudzo dzako.
• Mishonga yekunyorera - Tarisa uone kuti mishonga yako yese yakafukidzwa pasi pechirongwa chemazano.
• Chiremba uye chipatara sarudzo - Tarisa uone kana uchigona kushandisa chiremba uye chipatara chesarudzo yako.
• Hunhu hwekuchengeta - Tarisa wongororo uye ratidziro dzezvirongwa nemasevhisi anopiwa nezvirongwa munzvimbo yako.
• Kufamba - Tsvaga kana chirongwa ichi chakakufukidza kana iwe uchienda kune imwe nyika kana kunze kweUnited States.

Kuti udzidze zvakawanda nezve Medicare, dzidza nezve zvirongwa zveMedicare Advantage zviripo munharaunda yako, uye enzanisa vanachiremba, zvipatara, nevamwe vanopa munzvimbo yako, enda ku Medicare.gov - www.medicare.gov.

Nzvimbo dzeMedare uye Medicaid Services webhusaiti. Chii chinonzi Medicare? www.medicare.gov/what-medicare-covers/your-medicare-coverage-choices/whats-medicare. Yakasvika munaFebruary 2, 2021.

Nzvimbo dzeMedare uye Medicaid Services webhusaiti. Zvirongwa zvehutano zveMedare zvinovhara. www.kuparts.com/ www.kuparts.com Yakasvika munaFebruary 2, 2021.

Nzvimbo dzeMedare uye Medicaid Services webhusaiti. Supplements uye imwe inishuwarenzi. www.kuparts-shoes.ru Yakasvika munaFebruary 2, 2021.

Stefanacci RG, Cantelmo JL. Kutarisira kutarisira kune vakwegura veAmerica. Mune: Zadza HM, Rockwood K, Mudiki J, eds. Brocklehurst's Textbook yeGeriatric Mishonga uye Gerontology. 8th ed. Philadelphia, PA: Elsevier; 2017: chitsiko 129.

• Medicare
• Medicare Prescription Mishonga Inovhara