Kurapa Kwepanyama Kunovharwa Nemishonga Here?

Zvemukati

• Medicare inovhara riini kurapa kwemuviri?
• Kuvhara uye kubhadhara
• Ndezvipi zvikamu zveMedicare zvinovhara muviri kurapwa?
• Chikamu A
• Chikamu B
• Chikamu C
• Chikamu D
• Medigap
• Kurapa kwemuviri kunodhura zvakadii?
• Kufungidzira zvako zvekunze-kwehomwe mari
• Ndeapi marongero eMedicare angave akanakisa kana iwe uchiziva iwe kuti unoda kurapwa kwemuviri?
• Chinokosha

Medicare inogona kubatsira kubhadhara kurapwa kwemuviri (PT) kunoonekwa sekukosha kwachiremba. Mushure mekusangana neChikamu B chako chakabviswa, inova $ 198 ye2020, Medicare ichabhadhara makumi masere muzana emitengo yako yePT.

PT inogona kuve yakakosha chikamu chekurapa kana kupora kune akasiyana mamiriro. Inotarisa pakudzorera mashandiro, kubvisa marwadzo, nekusimudzira kuwedzera kufamba.

Varapi vemuviri vanoshanda padhuze newe kurapa kana kubata akasiyana mamiriro, kusanganisira asi asingagumi kukuvara kwemhasuru, sitiroko, uye chirwere chaParkinson.

Ramba uchiverenga kuti uwane kuti ndezvipi zvikamu zveMedare zvinofukidza PT uye riini.

Medicare inovhara riini kurapa kwemuviri?

Medicare Chikamu B chinobatsira kubhadhara kuchipatara PT izvo zvinodiwa pakurapa. Sevhisi inoonekwa seyakakodzera pakurapwa kana pachidikanwa kuti uongorore zvine mutsigo kana kurapa mamiriro kana chirwere. PT inogona kutorwa seinodiwa ku:

• kunatsiridza mamiriro ako azvino
• chengetedza mamiriro ako azvino
• kunonoka kuwedzera kuora kwemamiriro ako

Kuti PT ivharwe, inofanira kusanganisira hunyanzvi masevhisi kubva kune nyanzvi inokwanisa sechiremba wepanyama kana chiremba. Semuenzaniso, chimwe chinhu sekupa maitiro akawandisa ehutano hwakakwana chisingazofukidzwe sePT pasi peMedicare.

Murapi wako wepanyama anofanira kukupa ziviso yakanyorwa asati akupa chero masevhisi angave asina kuvharwa pasi peMedare. Unogona kusarudza kana uchida masevhisi aya.

Kuvhara uye kubhadhara

Kana uchinge wasangana neChipiri B chako chakabviswa, inova $ 198 ye2020, Medicare ichabhadhara makumi masere muzana emitengo yako yePT. Iwe unenge uine basa rekubhadhara makumi maviri muzana asara. Hapasisina chivharo pane iyo PT inodhura iyo Medicare ichavhara.

Mushure mekunge yako yakazara PT mari ichidarika yakatarwa chikumbaridzo, wako wepanyama murapi anodikanwa kuti asimbise kuti masevhisi akapihwa anoramba ari ekurapa anodikanwa kune ako mamiriro Ye 2020, ichi chikumbaridzo chiri $ 2,080.

Wako wepanyama murapi anoshandisa zvinyorwa kuratidza kuti kurapwa kwako kwakakosha pakurapwa. Izvi zvinosanganisira kuongororwa kwemamiriro ako uye kufambira mberi pamwe nehurongwa hwekurapa neruzivo runotevera:

• kuongorora chirwere
• iyo chaiyo mhando yePT iwe yauchange uchigamuchira
• iyo yakareba-nguva zvibodzwa zve PT kurapwa
• huwandu hwemasangano ePT iwe aunogashira muzuva rimwe chete kana vhiki rimwe chete
• huwandu hwese hwemasangano ePT anodikanwa

Kana yakazara PT inodarika madhora zviuru zvitatu, ongororo yezvokurapa yakanangwa inogona kuitwa. Nekudaro, hazvisi zvese zvirevo zviri pasi peichi chiitiko chekuongorora.

Ndezvipi zvikamu zveMedicare zvinovhara muviri kurapwa?

Ngatirambei tichipaza zvikamu zvakasiyana zveMedare uye kuti kufukidzwa kunopihwa kunoenderana sei nePN.

Chikamu A

Medicare Chikamu A inishuwarenzi yechipatara. Inovhara zvinhu zvakaita se:

• inpatient inogara pazvivakwa zvakaita sezvipatara, nzvimbo dzehutano hwepfungwa, nzvimbo dzekuvandudza, kana zvivakwa zvevanamukoti vane hunyanzvi
• kutarisira varwere
• kuchengetwa kwehutano hwepamba

Chikamu A chinogona kuvhara inpatient rehabilitation uye PT masevhisi pavanotariswa semushonga anodikanwa kuti uvandudze mamiriro ako mushure mekurapwa.

Chikamu B

Medicare Chikamu B inishuwarenzi yekurapa. Iyo inovhara mishonga inodiwa inodiwa vekunze. Chikamu B chinogona zvakare kuvhara mamwe masevhisi ekudzivirira.

Medicare Chikamu B inovhara mishonga inodiwa PT. Izvi zvinosanganisira zvese kuongororwa uye kurapwa kwemamiriro kana zvirwere zvinokanganisa kugona kwako kushanda.

Unogona kugashira rudzi urwu rwekuchengetwa pane aya anotevera mafomu.

• mahofisi ekurapa
• muchivande muchiita varapi vemuviri
• zvipatara zvekurapa madhipatimendi
• outpatient rehabilitation nzvimbo
• hunyanzvi hwekuyamwisa (kana Medicare Chikamu A chisinga shande)
• kumba (uchishandisa Medicare-inogamuchirwa mupi)

Chikamu C

Medicare Chikamu C zvirongwa zvinozivikanwawo seMedicare Advantage zvirongwa. Kusiyana nezvikamu A neB, zvinopihwa nemakambani akazvimirira ayo akabvumidzwa neMedare.

Zvirongwa zveChikamu C zvinosanganisira kufukidzwa kunopihwa nezvikamu A na B. Izvi zvinosanganisira pakurapa PT. Kana iwe uine chikamu Chikamu C, iwe unofanirwa kutarisa kuti uwane ruzivo nezve chero marongero-akasarudzika mitemo yekurapa masevhisi.

Chikamu Chikamu C zvirongwa zvinogona zvakare kusanganisira mamwe masevhisi asina kuverengerwa muzvikamu A neB, senge mazino, chiono, uye mishonga yemishonga inovhara (Chikamu D). Izvo zvinosanganisirwa muchirongwa cheChikamu C zvinogona kusiyana.

Chikamu D

Medicare Chikamu D inorayirwa kunyorera zvinodhaka. Zvakafanana neChikamu C, makambani akazvimirira anotenderwa neMedare anopa zvirongwa zveChikamu D. Iyo mishonga yakavharwa inogona kusiyana nehurongwa.

Chikamu D zvirongwa hazvivhare PT. Zvisinei, kana mishonga yemishonga iri chikamu chekurapa kwako kana chirongwa chekudzorera, Chikamu D chinogona kuzvifukidza.

Medigap

Medigap inonziwo Medicare yekuwedzera inishuwarenzi. Aya marongero anotengeswa nemakambani akazvimirira uye anogona kubhadhara zvimwe zvinodhura zvisina kuvharwa nezvikamu A uye B. Izvi zvinogona kusanganisira:

• kubviswa
• copayments
• coinsurance
• kurapwa paunenge uchifamba kunze kweUnited States

Kunyangwe Medigap isingakwanise kuvhara PT, mamwe marongero anogona kubatsira kuvhara macopayments kana zvaderedzwa.

Kurapa kwemuviri kunodhura zvakadii?

Mari yePT inogona kusiyana zvakanyanya uye zvinhu zvakawanda zvinogona kukanganisa mutengo, kusanganisira:

• hurongwa hwako hweinishuwarenzi
• iyo chaiyo mhando yePT masevhisi aunoda
• iyo nguva kana nhamba yezvikamu zvinobatanidzwa mukurapa kwako PT
• murapi wako wepanyama anobhadharisa zvakadii
• nzvimbo yako
• mhando yenzvimbo yauri kushandisa

Copay inogona zvakare kuve chinhu chakakura mumitengo yePT. Mune zvimwe zviitiko, iyo copay yechikamu chimwe chete inogona kuve. Kana iwe uchida kuve nezvikamu zvakawanda zvePN, mutengo uyu unogona kukurumidza kuwedzera.

Chidzidzo kubva ku2019 chakawana kuti avhareji PT mashandisiro emubatanidzwa aive $ 1,488 pagore. Izvi zvakasiyana nekuongororwa, iine mamiriro etsinga uye mubatanidzwa wekutsiva mari dzave pamusoro nepo genitourinary mamiriro uye vertigo yaive yakaderera.

Kufungidzira zvako zvekunze-kwehomwe mari

Kunyangwe iwe ungasazive chaizvo kuti ingani PT inokubhadhara iwe, zvinokwanisika kuti uwane fungidziro. Edza zvinotevera:

1. Taura nachiremba wako wepanyama kuti uwane pfungwa yekuti kurapwa kwako kuchadhura zvakadii.
2. Tarisa nehurongwa hwako hweinishuwarenzi kuti uone kuti imarii iyi inobhadharwa.
3. Enzanisa nhamba mbiri idzi kuti ufungidzire mari yaunoda kubhadhara kunze-kwehomwe. Rangarira kuisa zvinhu zvakaita secopay uye zvakabviswa mune yako fungidziro.

Ndeapi marongero eMedicare angave akanakisa kana iwe uchiziva iwe kuti unoda kurapwa kwemuviri?

Medicare zvikamu A uye B (yekutanga Medicare) inovhara mishonga inodiwa PT. Kana iwe uchiziva kuti iwe uchazoda kurapwa kwemuviri mugore rinouya, kuva nezvikamu izvi chete zvinogona kusangana nezvaunoda.

Kana iwe uine hanya nemari yekuwedzera iyo isina kuvharwa nezvikamu A uye B, ungangoda kufunga nezvekuwedzera chirongwa cheMedigap. Izvi zvinogona kubatsira kubhadhara zvinhu zvakaita semapopay, izvo zvinogona kuwedzera panguva yePT.

Zvirongwa zveChikamu C zvinosanganisira izvo zvakafukidzwa muzvikamu A na B. Zvisinei, vanogona zvakare kuvhara masevhisi asina kuvharwa nezvikamu izvi. Kana iwe uchizoda kufukidzwa kwemazino, chiratidzo, kana zvirongwa zvemuviri mukuwedzera kune PT, funga nezve Chikamu Chikamu C.

Chikamu D chinosanganisira kunyorerwa kwemishonga yekunyorera. Inogona kuwedzerwa muzvikamu A uye B uye inowanzo kuverengerwa muzvikamu zveChechi C. Kana iwe uchitotora mishonga yekunyorera kana uchiziva kuti inogona kuve chikamu chehurongwa hwako hwekurapa, tarisa muchikamu cheDanho D.

Chinokosha

Medicare Chikamu B inovhara kunze kwechipatara PT pazvinenge zvichidikanwa pakurapa. Zvinodikanwa pakurapwa zvinoreva kuti PT yauri kugamuchira inodikanwa kuti uongorore zvine mutsigo kana kurapa mamiriro ako.

Iko hakuna kapu pane iyo PT inodhura iyo Medicare ichavhara. Nekudaro, mushure meimwe chikumbaridzo murapi wako wepanyama anozoda kusimbisa kuti masevhisi auri kugashira ari ekurapa anodikanwa.

Zvimwe zvirongwa zveMedare, senge Chikamu C uye Medigap, zvinogona zvakare kubhadhara mari inosanganisirwa nePN. Kana iwe uri kutarisa kune imwe yeizvi, yeuka kuenzanisa akati wandei marongero usati wasarudza imwe nekuti kufukidza kunogona kusiyane nehurongwa.

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.