Medicare Inobhadhara Kwekurarama Kubatsirwa?

Zvemukati

• Medicare inovhara rini kubatsira kurarama?
• Ndezvipi zvikamu zveMedare zvinodzivirira zvakabatsira kuchengetedza hupenyu?
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu C
• Medicare Chikamu D
• Medigap
• Ndeapi marongero eMedicare angave akanakisa kana iwe uchikuziva iwe kana mudiwa angangoda rubatsiro rwekurarama mu2020?
• Funga nezve zvinodiwa zvehutano
• Chii chinobatsirwa kurarama?
• Yakawanda zvakadii rubatsiro rwekurarama kwekugara?
• Chinokosha

Sezvatinokura, tingangoda rubatsiro rwakawanda nezviitwa zvedu zvezuva nezuva. Muzviitiko izvi, hupenyu hwekubatsira hunogona kuve sarudzo.

Kugara uchibatsirwa rudzi rwekuchengetedza kwenguva refu iyo inobatsira kuongorora hutano hwako uye kubatsira nemabasa ezuva nezuva uchiri kusimudzira rusununguko.

Medicare haiwanzo kufukidza kutarisirwa kwenguva refu sekugara kwakabatsirwa.

Verenga pamusoro apo isu tichikurukura Medicare, kurarama kwakabatsirwa, uye sarudzo dzekubatsira kubhadhara mamwe eaya masevhisi.

Medicare inovhara rini kubatsira kurarama?

Medicare inongobhadhara kuchengetwa kwenguva yakareba kana iwe uchida hunyanzvi hwevanamukoti rubatsiro rwekuraramisa muhupenyu hwezuva nezuva uye unoda kurapwa kwehunyanzvi, kurapwa kwemaronda, kana kurapwa kwemuviri, kunowanikwa mumusha wevanotarisira vakwegura, zvichitevera kugamuchirwa kuchipatara. Kugara pazvivakwa izvi zvinongovharwa kwenguva pfupi (kusvika kumazuva zana).

Zvivakwa zvekugara zvakabatsirwa zvakasiyana nenzvimbo dzekuyamwisa dzine hunyanzvi. Vanhu vari muhupenyu hwekubatsirwa vanowanzozvimiririra kupfuura avo vari mumusha unochengeterwa vakwegura asi vachiri kupihwa tarisiro yemaawa makumi maviri nemana uye vanobatsira nezviitiko zvakaita sekupfeka kana kugeza.

Rudzi urwu rwekuchengetwa kusiri kwechiremba runonzi kuchengetwa. Medicare haifukidze kuchengetwa kwekuchengetedza. Nekudaro, kana iwe uchigara kunzvimbo yekubatsira yakabatsirwa, panogona kunge paine zvimwe zvinhu izvo Medicare icharamba ichivhara, kusanganisira:

• mamwe anodikanwa kana ekudzivirira ekurapa kana ehutano-ane hukama masevhisi
• mushonga wako
• hutano kana zvirongwa zvemuviri
• kutakura kuenda kunzvimbo dzachiremba

Ndezvipi zvikamu zveMedare zvinodzivirira zvakabatsira kuchengetedza hupenyu?

Ngatitsvakei zvakadzama mune izvo zvikamu zveMedicare zvinogona kuvhara masevhisi anogona kusangana neako anobatsira kugara kwekugara.

Medicare Chikamu A

Chikamu A inishuwarenzi yechipatara. Inovhara anotevera marudzi ekuchengetedza:

• inpatient hospital kugara
• inpatient inogara panzvimbo yehutano hwepfungwa
• hunyanzvi hwekuchengetedza nzvimbo inogara
• kutarisira varwere
• hutano hwepamba

Chikamu A hachifukidze mabasa ekuchengetedza ane chekuita nehupenyu hwekubatsira.

Medicare Chikamu B

Chikamu B inishuwarenzi yekurapa. Inovhara:

• kutarisirwa kunze kwekurwara
• kurapwa kwakakodzera
• imwe nzira yekudzivirira

Kunyangwe masevhisi aya asingakwanise kupihwa munzvimbo yekubatsira yakabatsirwa, ungangoda kuishandisa. Muchokwadi, mamwe mabhenefiti ehupenyu anobatsira anogona kubatsira kurongedza masevhisi neako mupi wehutano.

Mienzaniso yezvinhu zvakafukidzwa neChikamu B zvinosanganisira:

• mimwe miedzo yemarabhoritari
• majekiseni, akadai seaya echirwere uye hepatitis B
• kuongororwa kwechirwere chemoyo
• kurapa kwepanyama
• kuongororwa gomarara, senge iya yemazamu, yemuromo wechibereko, kana yekenza yakajeka
• itsvo dialysis masevhisi uye zvekushandisa
• chirwere cheshuga nemidziyo
• chemotherapy

Medicare Chikamu C

Chikamu C zvirongwa zvacho zvinonziwo zvirongwa zveAdvantage. Ivo vanopihwa nemakambani einishuwarenzi akazvimiririra ayo akatenderwa neMedicare.

Chikamu cheC zvirongwa C chinosanganisira mabhenefiti anopiwa muzvikamu A neB uye dzimwe nguva kufukidzwa kwemamwe masevhisi, senge chiono, kunzwa, uye mazino. Mutengo uye kufukidzwa zvinogona kusiyana nehurongwa hwega.

Kunge Original Medicare (zvikamu A neB), Chikamu C zvirongwa hazvivhare kurarama kwakabatsirwa. Nekudaro, ivo vanogona vachiri kufukidza mamwe masevhisi kana iwe uchigara mune yekubatsira yekugara nzvimbo isingasanganisi ivo, sekufambisa uye kugwinya kana mabasa ehutano.

Medicare Chikamu D

Chikamu D ndeyekunyorerwa zvinodhaka. Kunge Chikamu C, makambani einishuwarenzi akazvimirira anopa izvi zvirongwa. Kuvhara uye mutengo zvinogona kusiyana nehurongwa hwega.

Medicare Chikamu D inoronga kufukidza mishonga yakatenderwa zvisinei nekwaunogara. Kana iwe uri kugara munzvimbo yekubatsira yakabatsirwa uye uri kutora yakanyorwa mishonga yemishonga, Chikamu D chichavafukidza.

Medigap

Iwe unogona zvakare kuona Medigap inonzi seinishuwarenzi yekuwedzera. Medigap inobatsira kuvhara zvinhu izvo Original Medicare isingaiti. Zvisinei, Medigap kazhinji haifukidzi kutarisira kwenguva refu, kwakadai sekubatsirwa kurarama.

Ndeapi marongero eMedicare angave akanakisa kana iwe uchikuziva iwe kana mudiwa angangoda rubatsiro rwekurarama mu2020?

Saka, chii iwe chaungaite kana iwe kana mudiwa angangoda rubatsiro rwekurarama hupenyu mugore rinouya? Pane mamwe matanho aunotora kuti ubatsire kusarudza zvekuita.

Funga nezve zvinodiwa zvehutano

Kunyangwe hazvo Medicare isingavhare kurarama kwakabatsirwa pachako, iwe unenge uchiri kuda kurapwa uye mabasa. Ive neshuwa yekuongorora yako sarudzo sarudzo pasi peMedare usati wasarudza chirongwa.

Rangarira kuti Chikamu C (Chakanakira) zvirongwa zvinogona kupa kuwedzera kufukidzwa, senge chiono, mazino, uye kunzwa. Vanogona zvakare kusanganisira mamwe mabhenefiti, sejimendi nhengo uye kutakura kuenda kunzvimbo dzachiremba.

Kana iwe uchiziva kuti iwe uchazoda inonyorwa yekuvhara mishonga, sarudza Chikamu Chikamu D chirongwa. Muzviitiko zvakawanda, Chikamu D chinosanganisirwa nezvirongwa zveChikamu C.

Sezvo izvo zvakatarwa mutengo uye kufukidzwa muzvikamu C uye D zvinogona kunge zvakasiyana kubva pakuronga kuronga, zvakakosha kuenzanisa zvirongwa zvakawanda usati wasarudza imwe. Izvi zvinogona kuitwa pane saiti yeMedicare.

Medicare haifukidze kurarama kwakabatsirwa, saka iwe uchafanirwa kuona kuti uchaibhadhara sei. Pane zvakawanda zvingasarudzwa:

• Kubva muhomwe. Paunosarudza kubhadhara muhomwe, iwe unobhadhara iyo yese mutengo wekubatsirwa wekurarama wekuchengetedza iwe pachako.
• Medicaid. Ichi chirongwa chakabatana chehurumende nehurumende chinopa zvemahara kana zvakachipa zvehutano kune vanhu vanokodzera. Zvirongwa uye zvinodiwa kukodzera zvinogona kusiyana nehurumende. Dzidza zvimwe nekushanyira iyo Medicaid webhusaiti.
• Yenguva refu-inishuwarenzi yekuchengetedza. Urwu ndirwo rudzi rweinishuwarenzi inovhara zvakanyanya kutarisirwa kwenguva refu, kusanganisira kuchengetwa kwekuchengetwa.

Chii chinobatsirwa kurarama?

Kugara uchibatsirwa imhando yekuchengetwa kwenguva refu kune vanhu vanoda rubatsiro nezviitwa zvavo zvezuva nezuva asi vasingade rubatsiro rwakawanda kana kurapwa sezvakapihwa munzvimbo ine hunyanzvi yevanamukoti (imba inochengeterwa vakwegura).

Zvivakwa zvekugara zvakabatsirwa zvinogona kuwanikwa senzvimbo yekumira-yega kana sechikamu chemusha unochengeterwa vakwegura kana nharaunda yemudyandigere. Vagari vanowanzo gara mumafurati kana mumakamuri avo uye vanowana nzvimbo dzakasiyana dzinojairika.

Kugara uchibatsirwa wakaita sezambuko pakati pekugara pamba nekugara mumusha unochengeterwa vakwegura. Inotarisa pakubatanidza dzimba, kuongorora zvehutano, uye rubatsiro nechengeto wega, nepo vagari vachiramba vaine rusununguko rwakawanda sezvinobvira.

Sevhisi inopihwa munzvimbo yekubatsira yakabatsirwa inowanzo sanganisira zvinhu zvakaita se:

• Kutarisa kwemaawa makumi maviri nemana uye kuongorora
• kubatsirwa nezviitwa zvezuva nezuva, sekushongedza, kugeza, kana kudya
• chikafu chinopihwa munzvimbo yekudyira yeboka
• kurongeka kwezvekurapa kana hutano mabasa evagari
• manejimendi manejimendi kana zviyeuchidzo
• dzimba dzekuchenesa uye kuwacha
• mabasa ekuvaraidza uye ehutano
• gadziriro dzekufambisa

Yakawanda zvakadii rubatsiro rwekurarama kwekugara?

Zvinofungidzirwa kuti wepakati nepakati mutengo wekubatsira kurarama uri. Mari yacho inogona kuve yakakwira kana kudzikira pane iyi. Inogona kutsamira pane zvakasiyana zvinhu, zvinosanganisira:

• nzvimbo yenzvimbo
• yakatarwa nzvimbo yakasarudzwa
• padanho rebasa kana manejimendi izvo zvinodiwa

Sezvo Medicare isingavhare kurarama kwakabatsirwa, mitengo yacho inowanzobhadharwa muhomwe, kuburikidza neMedicaid, kana kuburikidza neinishuwarenzi yekuchengetedza kwenguva refu.

Kana mudiwa ari kunyoresa muMedare kwegore rinouya, tevera aya matipi mashanu ekuvabatsira kunyoresa:

• Nyorera. Vanhu avo vasati vatora Social Security mabhenefiti vachada kusaina.
• Ziva kunyoresa pachena. Izvi zvinobva muna Gumiguru 15 kusvika Zvita 7 gore rega. Wako mudiwa anogona kunyoresa kana kuita shanduko kuzvirongwa zvavo panguva iyi.
• Kurukurai zvavanoda. Hutano hwemunhu wese uye zvekurapa zvakasiyana. Ita hurukuro nemudiwa wako nezve izvo izvo zvinodiwa usati watora zano.
• Ita kuenzanisa. Kana mudiwa wako akatarisa Medicare zvikamu C kana D, enzanisa akati wandei zvirongwa zvinopihwa munzvimbo yavo. Izvi zvinogona kuvabatsira kuti vawane mabhenefiti anosangana zvese zvavanoda zvekurapa uye zvemari.
• Ipa ruzivo. Iyo Social Security Administration inogona kukumbira kuti iwe upe ruzivo nezvehukama hwako newaunoda. Uyezve, mudiwa wako anoda kusaina iwo Medicare kunyorera ivo pachavo.

Chinokosha

Kugara uchibatsirwa idanho pakati pekugara pamba nekugara mumusha wevanotarisira vakwegura. Inobatanidza kuongorora kwechiremba uye kubatsira nezviitiko zvezuva nezuva uchipa rusununguko rwakawanda sezvinobvira.

Medicare haifukidze kurarama kwakabatsirwa. Zvisinei, zvakakosha kuti urangarire kuti Medicare inogona kuramba ichifukidza mamwe marapirwo aunoda, akadai sekurapa varwere, mishonga yekunyorera, uye zvinhu zvakaita semazino uye kuona.

Mari dzekubatsira kurarama dzinogona kusiyana zvichienderana nenzvimbo yako uye padanho rekutarisira raunoda. Kubatsirwa kwekuchengetwa kwehupenyu kunowanzobhadharwa kunze kwehomwe, kuburikidza neMedicaid, kana kuburikidza neyakareba-inshuwarisi yekuchengetedza inishuwarenzi.

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.

Verenga chinyorwa ichi muchiSpanish