Icho Chimbichimbi! Medicare Chikamu Chikamu Chakafukidza Emergency Kamuri Kushanya?

Zvemukati

• Medicare Chikamu Chikamu chekuvhara ER kushanyira?
• Chii chinonzi MOON fomu?
• Ndeupi musiyano uripo pakati pemakopi uye kuvimbiswa kwemari?
• Ndezvipi zvikamu zveMedicare zvinovhara ER kuchengetedza kana iwe usina kubvumirwa kuchipatara?
• Medicare Chikamu B
• Medicare Chikamu C
• Medigap
• Medicare Chikamu D
• Nhare dzaungagamuchire kuE ER
• Yakawanda sei iyo yepakati kushanya kune iyo ER inodhura?
• Ko kana amburenzi ikandiunza kuEER?
• Ndinofanira kuenda riini kuEER?
• Kutora

Medicare Chikamu A dzimwe nguva chinonzi "chipatara inishuwarenzi," asi inongovhara chete mari yekushanya kuchipatara (ER) kushanya kana ukabvumirwa kuchipatara kuti urape chirwere kana kukuvara kwakakuunza kuE ER.

Kana yako ER kushanya isina kuvharwa pasi peMedare Chikamu A, unogona kuwana kufukidzwa kuburikidza neMedare Chikamu B, C, D, kana Medigap, zvinoenderana nechirongwa chako chaicho.

Verenga pamusoro kuti udzidze zvakawanda nezve Chikamu A kufukidzwa kwekushanya kweEER, kusanganisira izvo zvingave kana zvisinga vharike, uye dzimwe sarudzo dzekuvhara dzaungave nadzo.

Medicare Chikamu Chikamu chekuvhara ER kushanyira?

Kana iwe ukarapwa uye ukasunungurwa kubva kune dhipatimendi rekukurumidzira usina kubvumirwa kuchipatara seanorwara, mikana Medicare Chikamu A haifukidze kushanya kwako ER.

Kunyangwe iwe ukagara muEER husiku hwese, Medicare Chikamu A inokuona semurwere kunze kwekunge chiremba anonyora rairo yekukubvuma iwe kuchipatara sekurapwa.

Kazhinji yenguva, iwe unofanirwa kubvumidzwa seanorwara kwemasikati maviri akateedzana eMedicare Chikamu A kuvhara kushanya kwako.

Chii chinonzi MOON fomu?

Fomu rako reMONYU rinozotsanangura kuti sei urikugara muchipatara semunhu anorwara kunze uye kurapwa kwaungade kana waenda kumba. Kuwana MOON ndiyo imwe nzira yekuudza kuti chikamu chei cheMedare chinogona kubhadhara chikamu cheE ER bhiri.

Kana chiremba akakugamuchira kuchipatara uchitevera kushanya kweEER uye iwe ukagara muchipatara kwemasikati maviri kana kupfuura, Medicare Chikamu A chinobhadharira chipatara chako chepachipatara pamwe chete nemubhadharo wekunze kubva kushanya kwako ER.

Iwe unenge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchingoita Kana iwe usina chokwadi kana uri kurapwa seanorwara kunze kana wemuzvipatara, bvunza chiremba achikurapa. Kana iwe uine chirongwa cheMedigap, inogona kubhadhara chikamu cheyako copay kana coinsurance.

Ndeupi musiyano uripo pakati pemakopi uye kuvimbiswa kwemari?

• Copayments zviyero zvakatarwa iwe zvaunobhadhara zvekurapa kana kushanyira hofisi Paunoshanyira ER, unogona kunge uine macopay akati wandei zvichienderana nenhamba yemasevhisi aunogashira. Zvichienderana nemabatiro anoita chipatara, iwe unogona kunge usine chikwereti chemapopayera kusvikira imwe nguva mushure mekushanya kwako.
• Coinsurance ndiyo chikamu chebhiri rauri kutarisira. Kazhinji, Medicare inoda kuti iwe ubvise makumi maviri muzana emitengo yekutarisirwa kwako.

Ndezvipi zvikamu zveMedicare zvinovhara ER kuchengetedza kana iwe usina kubvumirwa kuchipatara?

Medicare Chikamu B

Nhau dzakanaka ndedzekuti Medicare Chikamu B (inishuwarenzi yekurapa) inowanzobhadhara kune yako ER kushanya kana iwe wakakuvadzwa, iwe unotanga kurwara kamwe kamwe, kana chirwere chinotora mukana wekushata.

Medicare Chikamu B chinowanzobhadhara makumi masere muzana emitengo yako. Iwe ndiwe une mutoro wezasara makumi maviri muzana. Muna 2021, chikamu chegore B chinobviswa i $ 203.

Medicare Chikamu C

Medicare Chikamu C (Medicare Advantage) zvirongwa zvinobhadharawo ER uye nekukurumidza mari yekuchengetedza. Kunyangwe hazvo Medicare zvikamu B uye C zvinowanzo bhadharira kushanya kweE ER, iwe unenge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchirimo kune rako remwedzi remwedzi kune izvi zvirongwa.

Medigap

Kana iwe uine Medigap (Medicare yekuwedzera inishuwarenzi) kuwedzera kune yako Chikamu Chikamu B, zvinogona kukubatsira iwe kubhadhara yako makumi maviri muzana emutengo wekushanya kweEER.

Medicare Chikamu D

Medicare Chikamu D inorayirwa kunyorera zvinodhaka. Kana iwe ukapihwa chero mishonga yeVIV uchiri muEER, Medicare chikamu B kana C chinowanzovafukidza.

Zvisinei, kana iwe uchida mishonga yaunowanzotora kumba uye inopihwa nechipatara iwe uri muEER, izvo zvinoonekwa semushonga unozviitira wega. Kana iyo mishonga yaunopihwa iri pane yako Medicare Chikamu D chinonyorwa runyorwa, Chikamu D chinogona kubhadhara iwo mushonga.

Nhare dzaungagamuchire kuE ER

Unogona kugashira akasiyana siyana masevhisi aungade panguva yekushanya kweEER, kusanganisira:

• kuongororwa kwechimbichimbi nachiremba mumwe kana vanopfuura
• lab miedzo
• X-ray
• kuongorora kana kuongorora
• nzira dzekurapa kana dzekuvhiya
• zvekurapa nemidziyo, semadondoro
• mishonga

Aya masevhisi uye zvekushandisa zvinogona kubhadhariswa pamwechete kana zvakasiyana, zvichienderana nechipatara chaunoshanyira.

Yakawanda sei iyo yepakati kushanya kune iyo ER inodhura?

Fungidziro yekuti vanhu vanosvika mamirioni zana nemakumi masere nemashanu vanoshanyira imba yekukurumidzira gore rega rega, vaine vanopfuura mamirioni gumi nemazana mashanu ezviuru zvavo vachigamuchirwa muchipatara nekuda kwekuchengetwa kwevarwere semugumisiro.

Bazi rezvehutano neHuman Services (HHS) rinoti mari yepakati nepakati yakabhadharwa nevanhu pakushanya kweEER muna2017 yaive $ 776. Mari yaunofanira kubhadhara ichasiyana zvichienderana nekwaunogara, mamiriro auri kurapwa, uye kufukidzwa kwehurongwa hwako.

Ko kana amburenzi ikandiunza kuEER?

Medicare Chikamu B ichabhadhara ambulensi kutasva kuenda kuE ER kana hutano hwako hungaiswa panjodzi nekufamba neimwe nzira.

Semuenzaniso, kana iwe ukakuvara uye uine hanya muambulensi inogona kuponesa hupenyu hwako, Medicare yaizobhadhara kuti iwe uendeswe neamburenzi kuenda kunzvimbo iri pedyo yekurapa.

Kana iwe ukasarudza kurapwa kune imwe nzvimbo iri kure, iwe unogona kuve nemhosva yemusiyano mumutengo wekufambisa pakati pezvivakwa zviviri izvi.

Ndinofanira kuenda riini kuEER?

Kana iwe kana munhu waunoda uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchisangana nezviratidzo nezviratidzo, unofanirwa kutsvaga rubatsiro kuE ER nekukasira.

• zviratidzo zvekurohwa, sekutaura kusinganzwisisike, kushaya simba kune rimwe divi, kana kudzikira kwechiso
• zviratidzo zvekurwadziwa kwemoyo, sekurwadziwa pachipfuva, kufema kufema, dzungu, kudikitira, kana kurutsa
• zviratidzo zvekushaya mvura, kusanganisira nekukurumidza kurova kwemoyo, dzungu, mhasuru, uye nyota yakanyanya

Paunoenda kuE ER, ita shuwa kuti iwe unotora chero ruzivo rweinishuwarenzi, pamwe nerunyorwa rwemimwe mishonga yazvino.

Kutora

Kana iwe kana mudiwa achida kuenda kuE ER, zvakakosha kuti uzive kuti Medicare Chikamu A hachiwanzo kuvhara kushanya kweEE kutoti murwere apinzwa muchipatara kunorapwa.

Medicare Chikamu B uye zvirongwa zveMedicare Advantage (Medicare Chikamu C) zvinowanzovhara 80 muzana yemutengo weE ER masevhisi, asi varwere vane chekuita nemari yemubhadharo, macopayments, uye zvakaderedzwa.

Chinyorwa ichi chakagadziridzwa munaNovember 13, 2020, kuratidza 2021 Medicare ruzivo.

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.