Kuchengetwa Kwevagari Vanochengetwa

Zvemukati

• Medicare inovhara hospice
• Rini Medicare inovhara hospice?
• Chaizvoizvo chii chakafukidzwa?
• Ko zvakadii nezvekurapwa kwemamiriro asina hukama nechirwere chinouraya?
• Iye munhu ane dementia anokwanisa here kubatsirwa neMedareare hospice?
• Pachave nekukopa kana kubvisirwa?
• Chii chisina kuvharwa neMedare?
• Medicare haifukidze chero marapirwo ekurapa chirwere
• Medicare haifukidze masevhisi kubva kumubatsiri wehospice anga asina kurongedzwa neboka rako rekuchengetedza varwere
• Medicare haifukidze nzvimbo uye bhodhi
• Medicare haifukidze hanya iwe yaunogamuchira mune chipatara chevanorapa varwere
• Inguva yakareba sei Medicare ichabhadhara mabasa ekurapa varwere?
• Ndezvipi zvikamu zveMedare zvinofukidza kutarisira varwere?
• Chii chinonzi hospice?
• Kuchengeta varwere kwakasiyana papi nekutarisira kunozorodza?
• Marii yekuchengetedza varwere?
• Chinokosha

Kuita sarudzo nezve kuchengetwa kwehospital, kungave kwako pachako kana mumwe munhu waunoda, hazvisi nyore. Kuwana mhinduro dzakananga nezve izvo zvinodhura zvekurapa uye kuti ungabhadhara sei zvinogona kuita sarudzo yakaoma kujeka zvishoma.

Medicare inovhara hospice

Chekutanga Medicare (Medicare Chikamu A uye Medicare Chikamu B) inobhadhara kuchengetwa kwevanochengeta varwere chero bedzi mupi wako wekurapa ari Medicare-akatenderwa.

Medicare inobhadhara kutarisira varwere kana iwe uine chirongwa cheMedicare Advantage (HMO kana PPO) kana imwe chirongwa chehutano cheMedare.

Kana iwe uchida kuziva kana mupi wako wekurapa akabvumidzwa, unogona kubvunza chiremba wako, dhipatimendi rako rezvehutano, sangano rekuchengetedza varwere, kana chirongwa chako manejimendi, kana iwe uine chirongwa cheMedare chinowedzera.

Iwe unogona kunge uchitsvaga mhinduro dzakananga nezvekuti zvivakwa zvipi, vanopa, uye masevhisi akafukidzwa mukutarisira varwere. Ichi chishandiso chinokubatsira iwe kupindura iyo mibvunzo.

Rini Medicare inovhara hospice?

Medicare inovhara hospice nekukurumidza kana chiremba achizivisa kuti mumwe munhu akafukidzwa naMedicare ane chirwere icho, kana chikaramba chisingakanganisike, chinoita kuti zvisaite kuti munhu ararame kwenguva inopfuura mwedzi mitanhatu.

Kuti uwane kufukidzwa uku, unofanirwa kusaina chirevo chinotsigira.

• iwe unoda kutarisirwa
• hauna chinangwa chekuenderera mberi uchitsvaga kurapwa kwekurapa chirwere
• unosarudza kuchengetwa kwehospital pachinzvimbo chevamwe vanobvumirwa neMedare kuti urape chirwere chako

Chaizvoizvo chii chakafukidzwa?

Yekutanga Medicare inobhadhara akasiyana siyana masevhisi, zvekupa, uye zvirevo zvine chekuita nechirwere chakakonzera kuti utsvage kurapwa kwevanorwara. Izvi zvinosanganisira:

• chiremba uye mabasa ekuyamwisa
• epanyama, ekushanda, uye ekutaura ekurapa masevhisi
• zvekurapa zvigadzirwa, kunge vanofamba uye mibhedha
• kuraira kwehutano
• zvekurapa nemidziyo
• mishonga yemishonga iwe yaunofanira kubvisa zviratidzo kana kudzora kurwadziwa
• kwenguva pfupi-inpatient kuchengetedza kukubatsira iwe kubata marwadzo kana zviratidzo
• zvebasa rezvemagariro uye kurairwa kwekusuwa kune vese murwere uye mhuri
• kuchengetwa kwenguva pfupi (kusvika kumazuva mashanu panguva) kubvumidza anokuchengeta kuti azorore, kana uchichengetwa pamba
• mamwe masevhisi, zvekushandisa, uye mishonga inodiwa kubata marwadzo kana kudzora zviratidzo zvine chekuita nechirwere chinouraya

Kuti uwane wekuchengeta varwere munzvimbo yako, edza uyu muwani wekutsvaga kubva kuMedare.

Ko zvakadii nezvekurapwa kwemamiriro asina hukama nechirwere chinouraya?

Kana iwe uri kugamuchira mabhenefiti ekubatsirwa, Medicare Chikamu A (yekutanga Medicare) icharamba ichibhadhara zvimwe zvirwere nemamiriro aungave iwe. Iyo imwechete co-inishuwarenzi kubhadhara uye zvakabviswa zvinoshanda kune izvo marapirwo sezvingawanzo shanda.

Iwe unogona kuchengeta yako Medicare Advantage chirongwa apo iwe uri kugamuchira hospice mabhenefiti. Iwe unongofanirwa kubhadhara maprimiyamu eiyo kufukidzwa.

Iye munhu ane dementia anokwanisa here kubatsirwa neMedareare hospice?

Chete kana tarisiro yehupenyu iri pasi pemwedzi mitanhatu. Dementia chirwere chinononoka-kufambira mberi. Mumatanho ekupedzisira, munhu ane dementia anogona kurasikirwa nekwaniso yekuita zvakajairika uye anoda kuchengetwa kwemazuva ese. Hospice inongovharwa chete, zvakadaro, apo chiremba anozivisa kuti munhu ane tarisiro yehupenyu yemwedzi mitanhatu kana pasi. Izvi zvinowanzoreva kuti chirwere chechipiri chakafanana nemabayo kana sepsis chaitika.

Pachave nekukopa kana kubvisirwa?

Nhau dzakanaka ndedzekuti hapana zviripo zvekubvisa zvekuchengetedza varwere.

Mimwe mishonga uye masevhisi anogona kunge aine macopay. Zvinyorwa zvemishonga yekurwadziwa kana kusunungurwa kwechiratidzo zvinogona kutakura $ 5 copay. Panogona kunge paine zvikamu zvishanu kubva muzana zvemapayipi ekurapwa kwekurapwa kana iwe uchigamuchirwa kunzvimbo inotenderwa, saka vanokuchengeta vanogona kuzorora. Zvimwe kunze kwezviitiko izvi, haufanire kubhadhara mari yekutarisira varwere.

Chii chisina kuvharwa neMedare?

Medicare haifukidze chero marapirwo ekurapa chirwere

Izvi zvinosanganisira zvese kurapa uye mishonga yemishonga inonyorerwa kuti ikurape. Kana iwe ukafunga kuti iwe unoda kurapwa kuti urape chirwere chako, unogona kumisa kuchengetwa kwehospital uye uteedzere iwo marapirwo.

Medicare haifukidze masevhisi kubva kumubatsiri wehospice anga asina kurongedzwa neboka rako rekuchengetedza varwere

Chero chengetedzo yaunogamuchira inofanirwa kupihwa nemubatsiri wehospice uyo iwe nechikwata chako chawakasarudza. Kunyangwe iwe uri kugamuchira iwo mamwe masevhisi, Medicare haizovhara iyo mutengo kana mupi asiri iye iwe neako timu yehospice yakatumidzwa. Iwe unogona achiri kushanyira chiremba wako wenguva dzose kana mupi wezvehutano kana iwe ukavasarudza ivo kuti vatarise kuchengetwa kwako kwechipatara.

Medicare haifukidze nzvimbo uye bhodhi

Kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchichengeterwa kutarisira varwere kumba, munzvimbo inochengeterwa vakwegura, kana mune inpatient hospice nzvimbo, Medicare haizobhadhare mutengo wemba nebhodhi. Zvichienderana nenzvimbo, iyo mutengo inogona kudarika $ 5,000 pamwedzi.

Kana timu yako yehospital ikafunga kuti iwe unoda a pfupi-pfupi gara wakarwara kunzvimbo yekurapa kana munzvimbo yekuzorora, Medicare ichavhara kugara kwenguva pfupi. Iwe unogona kunge uine chikwereti chemari yekusimbiswa kweiyo pfupi-kugara, zvisinei. Muzviitiko zvakawanda, mubhadharo iwo zvikamu zvishanu kubva muzana zvemutengo, kazhinji usapfuure madhora gumi pazuva.

Medicare haifukidze hanya iwe yaunogamuchira mune chipatara chevanorapa varwere

Izvo hazvibhadhare zvekufambisa kwema ambulensi kuenda kuchipatara kana chero masevhisi aunogashira munzvimbo dzechipatara dzekunze, senge imba yekukurumidzira, kutoti iri kwete zvine chekuita nechirwere chako chinouraya kana kunze kwekunge chave kurongedzwa nechikwata chako chekuchengetedza varwere.

Inguva yakareba sei Medicare ichabhadhara mabasa ekurapa varwere?

Kana iwe (kana munhu waunoda) uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchwanda zvikuruAsi vamwe vanhu vanoshora zvinotarisirwa. Pakupera kwemwedzi mitanhatu, Medicare inoramba ichibhadhara kuchengetwa kwevakarwara kana iwe uchida. Mukuru wezvekurapa kana chiremba wako anofanirwa kusangana newe mumunhu, uyezve wozosimbisa kuti tarisiro yeupenyu haisati iri yakareba kupfuura mwedzi mitanhatu.

Medicare inobhadhara kwemazuva maviri makumi mapfumbamwe ekubatsirwa. Mushure meizvozvo, iwe unogonazve kuzvisimbisa kune isina muganho nhamba yemakumi matanhatu-mazuva ebhenefiti nguva. Munguva ipi neipi yekubatsirwa, kana iwe uchida kushandura mupi wekuchengetedza varwere, une mvumo yekuita kudaro.

Ndezvipi zvikamu zveMedare zvinofukidza kutarisira varwere?

• Medicare Chikamu A. Chikamu A chinobhadharira mari yechipatara, kana uchifanira kubvumidzwa kutarisira zviratidzo kana kupa vanochengeta zororo pfupi.
• Medicare Chikamu B. Chikamu B chinofukidza ekurapa nekuyamwisa mabasa, zvekurapa zvishandiso, uye mamwe marapirwo masevhisi.
• Medicare Chikamu C (Kubatsira). Chero zvirongwa zveMedicare Advantage zvaunazvo zvicharamba zvichishanda sekureba iwe uchibhadhara maprimiyamu, asi hauzovade ivo kune yako hospice mari. Original Medicare inobhadhara avo. Yako Medicare Chikamu C zvirongwa zvinogona kushandiswa kubhadhara kurapwa kusingaenderane nechirwere chinouraya.
• Medicare yekuwedzera (Medigap). Chero chero zvirongwa zveMedigap zvaunazvo zvinogona kubatsira nemari inodhura nemamiriro asina hukama nechirwere chinouraya. Iwe hauzodi mabhenefiti aya kuti akubatsire nemari yekuchengetedza varwere, nekuti izvo zvinobhadharwa neMedicare yepakutanga.
• Medicare Chikamu D. Yako Medicare Chikamu D chinyoreso chekuvharirwa chichave chiripo kukubatsira iwe kubhadhara mishonga isingaenderane nechirwere chinouraya. Zvikasadaro, mishonga yekubatsira kurapa zviratidzo kana kugadzirisa marwadzo echirwere chekupedzisira inovharwa kuburikidza neMedicare yako hospice yekubatsirwa.

Chii chinonzi hospice?

Hospice kurapwa, masevhisi, uye kuchengetwa kwevanhu vane chirwere uye vasingatarisirwe kurarama kwenguva inopfuura mwedzi mitanhatu.

kurudzira vanhu vane chirwere chekupedzisira kuti vafunge nezvekupinda muhospital pakutanga kwehwindo remwedzi mitanhatu. Hospice inopa bhenefiti yakajeka uye rutsigiro rwakakosha, kwete kune varwere chete asiwo kumhuri dzavo. Mimwe yemabhenefiti ndeiyi:

• kushomeka kwekuratidzwa kwehutachiona uye dzimwe njodzi dzine chekuita nekushanya kuchipatara
• kudzikisa zvakazara mari inosanganisirwa nechirwere chiri pasi
• zviwanikwa zvekuvandudza kuchengetedza uye kutsigira vachengeti
• kuwana kune nyanzvi yekuchengetedza mabasa

Kuchengeta varwere kwakasiyana papi nekutarisira kunozorodza?

Chinangwa chekuchengetedzwa kwekuchengetedza ndechekusimudzira hupenyu hwako paunenge uchitarisana nechirwere. Kuchengetedza kwepamoyo kunogona kutanga nguva yaunobatwa nechirwere, kunyangwe iwe uchitarisirwa kuti uwane kupora kuzere. Iwe unozonyanya kuenderera uchigamuchira kurapwa kwekunyaradza kusvika iwe usisina kuchizoda futi.

Sekureva kweNational Institute on Aging, musiyano mukuru pakati pekuchengetedza varwere uye wekurapa ndewokuti kutarisira kunobatsira kunoita kuti urambe uchiwana kurapwa kurapa chirwere chako. Mukuchengetedza varwere, zviratidzo zvako uye kurwadziwa kucharamba kuchirapwa, asi kurapwa kunoitirwa kuporesa chirwere kuchamira.

Kana zvikava pachena kuchikwata chekurapa kuti kurapwa hakusi kushanda uye chirwere chako ndechekupedzisira, unogona kuchinja kubva pakurapa kwepamoyo mune imwe yenzira mbiri. Kana chiremba wako achitenda kuti haungararame mwedzi inopfuura mitanhatu, iwe nevatariri vako vanogona kusarudza kuchinjira kuchipatara. Imwe sarudzo ndeyekuenderera mberi nekuchengetedzwa (kusanganisira kurapwa kunoitirwa kurapa chirwere) asi nechinotarisisa chinotarisisa kunyaradzo (kana kupera-kwe-hupenyu) kutarisirwa.

Marii yekuchengetedza varwere?

Marii yekuchengeta varwere yakawanda zvinoenderana nerudzi rwehurwere uye kuti varwere vekutanga vanopinda sei muhospital. Muna 2018, Sosaiti yeActuaries yakafungidzira kuti varwere vekurwara nekenza vakagamuchira Medicare Chikamu A uye Chikamu B mabhenefiti anosvika madhora 44,030 mukati memwedzi mitanhatu yekupedzisira yehupenyu hwavo.

Iyo nhamba inosanganisira mutengo weanorapwa kuchipatara kurapwa, kuwedzera kune-kumba-kutarisira varwere. Chimwe chidzidzo chakaratidza kuti avhareji yeMedhia mari yevanorapa varwere mukati memazuva makumi mapfumbamwe ehupenyu hwaingova $ 1,075 chete.

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Chinokosha

Kana iwe uine yekutanga Medicare kufukidza uye iwe uri kufunga nezvehospital care, iyo Medicare hospice inobatsira inobhadhara iyo mari yekuchengetwa kwehospital.

Iwe uchazoda chiremba kuti asimbise kuti tarisiro yako yehupenyu haina kureba kupfuura mwedzi mitanhatu, uye uchafanirwa kusaina gwaro rekugamuchira kuchengetwa kwevanochengeta varwere nekumisa kurapwa kunoitirwa kurapa chirwere. Kana iwe wakazadzisa izvo zvinodikanwa, chiremba wako uye kuchengetwa kwevanamukoti, zvirevo, uye huwandu hwakazara hwemamwe masevhisi ekutsigira achafukidzwa.

Chinhu chakakosha kunze kwekucherechedza: Yekutanga Medicare haibhadhare nzvimbo uye bhodhi yevarwere vekurapa, saka kugara kwenguva refu mumusha wevanotarisira kana nzvimbo yevanamukoti vane hunyanzvi hakuzovharwa sechikamu chekubatsira varwere.

Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.