Medicare Inovhara Misha Yevanamukoti Here?

Zvemukati

• Medicare inovhara rini kuchengetwa kwemusha wekuchengeta?
• Ndezvipi zvikamu zveMedare zvinofukidza kuchengetwa kwemusha wekuchengeta?
• Medicare Chikamu A
• Medicare Chikamu B
• Zvirongwa zveAdvantage zvinofukidza chero chikamu chayo?
• Ko zvakadii nezveMedigap zvinowedzera?
• Zvakadiniko nezve Chikamu D mishonga?
• Ndeapi marongero eMedicare angave akanakisa kana iwe uchida kuchengetwa kwemusha wevanotarisira mugore rinotevera?
• Chii chinonzi musha unochengeterwa vakwegura?
• Zvakanakira kuchengetwa kwemusha unochengeterwa vakwegura
• Marii inochengeterwa imba inochengeterwa vakwegura?
• Chinokosha

Medicare chirongwa cheinishuwarenzi chehutano cheavo vane makore makumi matanhatu nemashanu zvichikwira (uye nemamwe mamiriro ekurapa) muUnited States.

Iwo mapurogiramu anovhara masevhisi senge kugara kwechipatara uye zvekurapa zvevarwere uye kuchengetedza kwekudzivirira. Medicare inogona kuvhara kugara-kwenguva pfupi mumusha unochengeterwa vakwegura kana munhu achida kutarisirwa zvine hunyanzvi.

Zvisinei, kana munhu achida kuenda kumusha unochengeterwa vakwegura kwenguva refu, zvirongwa zveMedare hazviwanzo kubhadhara mutengo uyu.

Medicare inovhara rini kuchengetwa kwemusha wekuchengeta?

Kuti unzwisise zvinovharwa neMedare mumusha unochengeterwa vakwegura, dzimwe nguva zvakanaka kuti vazive zvavasina kuvhara. Medicare haifukidze kuchengetwa mumusha unochengeterwa vakwegura kana munhu achida kuchengetwa chete. Kuchengetwa kunosanganisira anotevera masevhisi:

• kugeza
• kupfeka
• kudya
• kuenda kuchimbuzi

Semutemo wenguva dzose, kana munhu achida kuchengetwa izvo zvisingade degree rekupa, Medicare haifukidze sevhisi.

Iye zvino ngatitarisei zvinovhara Medicare.

Medicare inovhara hunyanzvi hwekuchengeta munzvimbo inochengetwa vakwegura, asi iwe unofanirwa kusangana nezvinodiwa zvakawanda Izvi zvinosanganisira:

• Iwe unofanirwa kuve neMedicare Chikamu A uye uine mazuva asara munguva yako yekubatsirwa.
• Unofanirwa kutanga watove nekukodzera kugara muchipatara.
• Chiremba wako anofanira kuona kuti iwe unoda zuva nezuva, hunyanzvi hwekuchengetwa.
• Iwe unofanirwa kupihwa kutarisirwa kunzvimbo ine hunyanzvi yevanamukoti.
• Iyo nzvimbo iyo iwe yaunogamuchira masevhisi ako inofanirwa kuve Medicare-yakasimbiswa.
• Iwe unoda mabasa ehunyanzvi ehutano hwakanangana nechipatara kana mamiriro akatanga apo iwe paive mune hunyanzvi nzvimbo yekuyamwisa uchiwana rubatsiro rweiyo yekutanga, chipatara-chine hukama nemamiriro ekurapa.

Zvakakoshawo kucherechedza kuchengetwa uku ndekwenguva pfupi, kwete kwekutarisira kwenguva refu.

Kazhinji, Medicare Chikamu A chinogona kubhadhara kusvika mazuva zana munzvimbo ine hunyanzvi yekuyamwisa. Nzvimbo yevanamukoti vane hunyanzvi inofanira kubvuma munhu mukati memazuva makumi matatu vabuda muchipatara, uye vanofanirwa kuvabvuma kurwara kana kukuvara munhu anga achiitirwa kuchengetwa muchipatara.

Ndezvipi zvikamu zveMedare zvinofukidza kuchengetwa kwemusha wekuchengeta?

Medicare kazhinji inongovhara yenguva pfupi-yehunyanzvi huremu hwekuchengeta mumusha wevanotarisira. Ramba uchiverenga zvekuparara kweizvo Medicare inogona kuvhara zvine chekuita nedzimba dzevanotarisira.

Medicare Chikamu A

Mamwe masevhisi Medicare Chikamu A anogona kuvhara munzvimbo inochengeterwa vakwegura inosanganisira:

• kudya kuraira uye zvekudya zvinovaka muviri
• zvekurapa nemidziyo
• mishonga
• kudya
• kurapwa kurapa
• kurapa kwepanyama
• semi-yakavanzika imba
• kutarisirwa kwehunyanzvi, sekuchinja maronda
• mabasa ebasa rezvemagariro ane chekuita nezve kurapwa kunodiwa
• kutaura-mutauro pathology

Medicare inogona zvakare kuvhara chimwe chinonzi "swing bed services." Apa ndipo apo munhu paanogashira hunyanzvi huremu hwekuchengetwa muchipatara chinotyisa.

Medicare Chikamu B

Medicare Chikamu B ndicho chikamu cheMedare chinobhadhara kunze kwekurapwa, sekushanya kwachiremba uye kuongororwa kwehutano. Ichi chikamu cheMedicare hachiwanzo kuvhara pekugara dzimba dzekuchengetedza.

Zvirongwa zveAdvantage zvinofukidza chero chikamu chayo?

Medicare Advantage mapurani (anonziwo Medicare Chikamu C) haawanzo kufukidza kuchengetwa kwemusha wevanotarisirwa kunoonekwa sekuchengetwa. Kunze kwekushomeka kuripo, kusanganisira kana chirongwa chemunhu chiine chibvumirano neimwe yakatarwa imba yekuchengetedza kana sangano rinoshanda dzimba dzekuchengetedza.

Gara uchibata wako mupi wezano usati waenda kune imwe imba yevanotarisira vakwegura kuti unzwisise kuti ndeapi masevhisi uye haana kuvharwa pasi pechirongwa chako cheMedicare Advantage.

Ko zvakadii nezveMedigap zvinowedzera?

Zvirongwa zveMedigap zvekuwedzera zvinotengeswa nemakambani einishuwarenzi akazvimirira uye anobatsira kubhadhara mari yekuwedzera, yakadai sekubviswa.

Mamwe marongero eMedigap anogona kubatsira kubhadhara kune vane hunyanzvi nzvimbo yekuyamwisa co-inishuwarenzi. Izvi zvinosanganisira zvirongwa C, D, F, G, M, uye N. Chirongwa K chinobhadhara makumi mashanu kubva muzana ezvemari yekusimbisa uye Chirongwa L chinobhadhara makumi manomwe neshanu muzana yemari yemari.

Zvisinei, zvirongwa zveMedigap zvinowedzera hazvibhadhare kwenguva yakareba yekuchengetwa kwekuchengetwa kwemusha.

Zvakadiniko nezve Chikamu D mishonga?

Medicare Chikamu D inonyorerwa mishonga inovhara iyo inobatsira kubhadhara kune ese kana chikamu chemishonga yemunhu.

Kana munhu achigara mumusha unochengeterwa vakwegura, ivo vanowanzo gashira matsamba avo kubva kukiriniki yekutarisira kwenguva refu iyo inopa mishonga kune avo vari munzvimbo dzekuchengetedza kwenguva refu senge imba inochengetwa vakwegura.

Nekudaro, kana iwe uri mune ine hunyanzvi nzvimbo inowana hunyanzvi hwekuchengetwa, Medicare Chikamu A chinowanzovhara zvirevo zvako panguva ino.

Ndeapi marongero eMedicare angave akanakisa kana iwe uchida kuchengetwa kwemusha wevanotarisira mugore rinotevera?

Mazhinji zvirongwa zveMedare hazvingafukidze kuchengetwa kwemusha unochengeterwa vakwegura. Kusiyanisa kunogona kusanganisira kana iwe ukatenga chirongwa cheMedare Kubatsira nechimwe chibvumirano neimba inochengeterwa vakwegura. Zvekare, izvi zvinowanzove izvo zvinosarudzika, kwete mutemo, uye sarudzo dziripo dzinosiyana nenzvimbo.

Kana iwe kana munhu waunoda angangoda kuchinjira kune kwenguva refu yekuchengetwa kwekuchengetwa kwemusha, pane sarudzo kunze kweMedicare iyo inogona kubatsira kudzikisira zvimwe zvinodhura. Izvi zvinosanganisira:

• Yenguva refu-inishuwarenzi yekuchengetedza. Izvi zvinogona kubatsira kubhadhara zvese kana chikamu chemari yemusha wevanotarisira. Vanhu vazhinji vanozotenga aya marongero pazera diki, senge muma50s avo, sezvo maprimiyamu anowanzo wedzera mumutengo semunhu zera.
• Medicaid. Medicaid, chirongwa cheinishuwarenzi chinobatsira kubhadhara mari kune avo vari mudzimba dzinowana mari shoma, ine zvirongwa zvehurumende uye zvepasirese zvinobatsira kubhadhara kuchengetwa kwemisha yekuchengetedza.
• Veterans Kutungamira. Vaya vakashanda muchiuto vanogona kuwana rubatsiro rwemari kune ekuchengetedza kwenguva refu masevhisi kuburikidza neUnited States department reVeterans Affairs.

Vamwe vanhu vanogona kuwana vachida Medicaid masevhisi mushure mekunge vapedza yavo yemari zviwanikwa mukubhadhara kwenguva refu kutarisirwa. Kuti uwane zvimwe pamusoro pekuti ungakwanise sei, shanyira iyo State Health Insurance Assistance Programs network.

Chii chinonzi musha unochengeterwa vakwegura?

Imba inochengeterwa vakwegura inzvimbo iyo munhu anogona kuwana mamwe mabasa ekuchengeta kubva kuna vanamukoti kana vabatsiri vevanamukoti.

Mazhinji ezvivakwa izvi anogona kunge ari dzimba kana mafurati evanhu vanoda kutarisirwa zvakanyanya kune kwavo kwezuva nezuva zviitiko kana vasingachadi kugara vega. Mamwe akafanana nezvipatara kana mahotera ane makamuri ane mibhedha nemabhati uye nzvimbo dzakajairika dzemakirasi, kutandara, kudya, uye kutandara.

Mazhinji dzimba dzekuchengetedza dzinopa kutenderera-kwewachi-kutarisira. Masevhisi anogona kusiyana, asi anogona kusanganisira rubatsiro kuenda kuchimbuzi, rubatsiro kuwana mishonga, uye masevhisi ekudya.

Zvakanakira kuchengetwa kwemusha unochengeterwa vakwegura

• Kuchengetwa kwekuchengetwa kwemumba kunowanzo tendera munhu kuti agare akazvimiririra pasina kuita zviitiko zvekuchengetedza imba, sekucheka uswa kana kuchengetedza imba.
• Dzimba zhinji dzevanotarisira vanhu dzinopawo zviitiko zvekudyidzana zvinobvumidza vanhu kubatana nevamwe uye kuchengetedza hushamwari uye zvimwe zviitiko.
• Kuva nekwaniso yekugamuchira anodiwa mabasa evanamukoti uye kuve nevashandi vakarovedzwa paruoko-kutarisa munhu kunogona kupa pfungwa yekunyaradzwa kune munhu nemhuri yake.

Marii inochengeterwa imba inochengeterwa vakwegura?

Sangano rezvemari Genworth rakateedzera mutengo wekuchengetwa munzvimbo dzine hunyanzvi dzine hunyanzvi uye dzimba dzekuchengetedza kubva 2004 kusvika 2019.

Vakawana avhareji mutengo we2019 weimwe imba yekutandarira mumusha unochengeterwa vakwegura iri $ 102,200 pagore, chinova chikamu che56.78 muzana kubva muna 2004. Kuchengetwa kwenzvimbo yekubatsira yakabatsirwa kunodhura paavhareji $ 48,612 pagore, 68.79 muzana kuwedzera kubva ku2004.

Kuchengetwa kwemisha yevanamukoti kunodhura - izvi zvinodhura zvinosanganisira kuchengetwa kwevarwere vari kuramba vachirwara, kushomeka kwevashandi, uye mirau mikuru inowedzera mari zvese nhoroondo yekukwira kwemitengo

Kana iwe uine mudiwa ari kusvika makore makumi matanhatu nemashanu, heano mamwe matipi ekuti ungavabatsira sei kunyoresa:

• Unogona kutanga maitiro mwedzi mitatu mudiwa wako asati asvitsa makore makumi matanhatu nemashanu. Kutanga kutanga kunogona kukubatsira kuti uwane mibvunzo inodiwa kupindurwa uye kubvisa kunetseka muchiitiko ichi.
• Bata yako yemunharaunda Social Security Administration kana tsvaga nzvimbo nekushanyira yavo yepamutemo webhusaiti.
• Shanyira Medicare.gov kuti uone nezve hutano huripo uye zvirongwa zvemishonga.
• Taura neshamwari dzako uye nedzimwe nhengo dzemhuri dzinogona kunge dzakapfuura nenzira yakafanana. Ivo vanogona kukupa iwe matipi pane izvo ivo zvavakadzidza kuburikidza nenzira yekusaina kusaina Medicare uye kusarudza ekuwedzera zvirongwa, kana zvichibvira.

Chinokosha

Medicare Chikamu A chinogona kufukidza hunyanzvi hwekuchengeta munzvimbo inochengeterwa vakwegura, ichipa munhu kusangana nezvinodiwa.

Kana iwe kana munhu waunoda achishuvira kana kuda kugara mumusha unochengeterwa vakwegura kwenguva yakareba kuti ugamuchire kuchengetwa uye mamwe masevhisi, iwe ungangodaro uchizofanira kubhadhara kunze-kwehomwe kana kushandisa masevhisi senge inishuwarenzi yekuchengetedza-kwenguva refu kana Medicaid .

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.