Iyo Medicare Inovhara Kumba Hutano Aides?

Zvemukati

• Ndezvipi zvinobatsira kumba hutano?
• Medicare inovhara riinhi hutano hwepamba?
• Ndezvipi zvinodhura zvevabatsiri vehutano hwepamba?
• Ndeapi marongero eMedicare angave akanakira iwe kana iwe uchiziva iwe kuti unoda mabasa ehutano epamba?
• Chikamu A
• Chikamu B
• Chikamu C
• Medicare yekuwedzera zvirongwa kana Medigap
• Chinokosha

Hutano hwepamba mabasa anotendera munhu kuti agare mumusha mavo ivo vachiwana marapirwo anodiwa kana hunyanzvi hwekuchengetwa. Medicare inovhara zvimwe zveaya masevhisi epamba epamba, anosanganisira epanyama uye ekurapa kwekuita pamwe nehunyanzvi hwekuchengeta.

Nekudaro, Medicare haifukidze ese ehutano epamba mabasa, senge kutenderera-kwewashi-nguva, kupihwa kwekudya, kana kuchengetwa kwekuchengetwa - mazhinji eaya masevhisi anowira pasi peayo emubatsiri wezvemba.

Ramba uchiverenga kuti uwane nezve yakavharwa masevhisi pasi peMedare, uye kuti vabatsiri vehutano hwepamba vangangorega pasi peichi chikamu

Ndezvipi zvinobatsira kumba hutano?

Vabatsiri vehutano hwekumba vashandi vehutano avo vanobatsira vanhu mudzimba dzavo kana vaine hurema, chirwere chisingaperi, kana kuda rubatsiro rwakawedzerwa.

Aides anogona kubatsira nezviitiko zvehupenyu hwezuva nezuva, sekugezesa, kupfeka, kuenda kuchimbuzi, kana zvimwe zviitiko zvekumba-pamba. Kune avo vanoda rubatsiro kumba, vabatsiri vehutano hwepamba vanogona kuve vanokosha.

Zvisinei, ivo vakasiyana nemamwe mabasa epamba epamba, ayo anogona kusanganisira vanamukoti vehutano hwepamba, varapi vemuviri, uye vezvekurapa vanopa rubatsiro rwekurapa nehunyanzvi hunoda kudzidziswa kwakakosha uye zvitupa.

Sekureva kweU.S. Bureau yeVashandi Statistics, iyo yakajairwa nhanho yekudzidzisa yemubatsiri wehutano hwepamba idiploma yechikoro chepamusoro kana zvakaenzana.

Vamwe vanhu vanogona kushandisa izwi rekuti "imba yekurapa mubatsiri" kutsanangura mabasa ese anopa tarisiro kumba, asi mubatsiri wehutano hwepamba zvakanyatsosiyana nemukoti wehutano hwepamba kana murapi.

Iyi misiyano yakakosha kana zvasvika pakunzwisisa izvo Medicare inoda uye zvisingavhare kana zvasvika pakutarisirwa kwemusha. Medicare haibhadhare mazhinji masevhisi anowira pasi pehutano rubatsiro. Izvi zvinosanganisira:

• kutenderera-wachi-wachi
• kuendesa chikafu kumba kana rubatsiro nekudya
• mabasa epamba, akadai sekuwacha, kuchenesa, kana kutenga
• kuchengetwa kwega, sekubatsirwa nekugeza, kupfeka, kana kushandisa imba yekugezera

Kana masevhisi ekuchengetedza wega kubva kumubatsiri wehutano hwepamba ari iwo chete maratidziro aunoda, Medicare haiwanzo kuvhara izvi. Ivo vanovhara mabasa ekurapwa epamba.

Medicare inovhara riinhi hutano hwepamba?

Medicare Chikamu A (chipatara masevhisi) uye Medicare Chikamu B (zvekurapa) zvinofukidza zvimwe zvehutano hwepamba.

Sezvineiwo, hutano hwepamba hunogona kusimudzira hanya yako uye kudzivirira kupindwazve kuchipatara. Pane matanho akati wandei uye mamiriro ekukodzera kurapwa kweimba.

• Iwe unofanirwa kuve uri pasi pekuchengetwa nachiremba akagadzira chirongwa chako chinosanganisira kuchengetwa kwehutano hwepamba. Chiremba wako anofanira kuongorora chirongwa ichi nguva nenguva kuti ave nechokwadi chekuti ichiri kukubatsira.
• Chiremba wako anofanira kupupura kuti iwe unoda hunyanzvi hwekuchengetwa uye ekurapa masevhisi. Kuti ude rubatsiro urwu, chiremba wako anofanira kusarudza kuti mamiriro ako achavandudza kana kuchengetedza kuburikidza nemabasa ehutano epamba.
• Chiremba wako anofanira kuratidza kuti iwe uri kumbabound. Izvi zvinoreva kuti zvakanyanya kuoma kana zvekurapa zvekurapa kuti ubve pamba pako.

Kana iwe ukasangana nezvinodiwa izvi, Medicare zvikamu A uye B zvinogona kubhadhara kune mamwe mabasa ehutano epamba, kusanganisira:

• chikamu-chenguva hunyanzvi hwekuchengetwa kwevanamukoti, uko kunogona kusanganisira kuchengetedza ronda, catheter kutarisirwa, kwakakosha zviratidzo zvekutarisa, kana intravenous kurapwa (senge maantibayoti)
• kurapwa kurapa
• kurapa kwepanyama
• zvekurapa zvemagariro
• kutaura-mutauro pathology

Sekureva kwaMedicare.gov, Medicare inobhadhara "masevhisi-epamhepo kana epakati." Izvi zvinonzwisisika kuvhiringidza.

Zvinoreva kuti mushandi wezvemba anogona kupa rubatsiro rwekuzviriritira rwunopihwa nemubatsiri wezvemba. Musiyano uripo ndewekuti, pakubhadharisa, unofanirwa kunge uchiwana mabasa eukoti ane hunyanzvi zvakare.

Ndezvipi zvinodhura zvevabatsiri vehutano hwepamba?

Kana chiremba wako atora nhanho dzekukubatsira iwe kuti uwane rubatsiro rwekumba mabasa, vangango batsira iwe kuti ubate kune vehutano imba.

Aya masangano anofanirwa kukupa iwe tsananguro yezvinoitwa neMedicare uye isingavhare kuburikidza neAdvance Yemubatsiri. Sezvineiwo, izvi zvinobatsira kudzikisira kushamisika mari kwauri.

Kana Medicare ichibvumidza mabasa ehutano epamba, iwe haugone kubhadhara chero hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hunotarisirwa huripo hwamabasa ehutano hwepamba, iwe haugoni kubhadhara chero mari yehutano hwepamba, kunyange iwe unogona kunge uine chikamu chemakumi maviri kubva muzana emari inogamuchirwa neMedare yemidziyo yezvokurapa yakasimba (DME), iyo inogona kusanganisira mishonga yekurapa, maronda ekupa , nemidziyo yekubatsira.

Iko kunowanzo kuve nemazuva makumi maviri nemasere-nguva muganhu wekuti inguvai yaunogona kuwana isingabhadhari masevhisi. Nekudaro, chiremba wako anokwanisa kuwedzera muganho uyu kana vachigona kufungidzira kuti kuda kwako kwehutano hwepamba kunogona kupera riini.

Ndeapi marongero eMedicare angave akanakira iwe kana iwe uchiziva iwe kuti unoda mabasa ehutano epamba?

Medicare inopatsanura masevhisi ayo kuita akasiyana tsamba mapoka, anosanganisira Medicare zvikamu A, B, C (Medicare Advantage), uye D (inonyorwa mishonga yekuvhara mishonga).

Chikamu A

Medicare Chikamu A ndicho chikamu chinopa kufukidzwa muchipatara. Medicare Chikamu A chakasununguka kune vanhu vazhinji kana ivo kana murume / mukadzi wavo vakashanda kweinosvika makumi mana makota vachibhadhara Mitero yemitero.

Kunyangwe Chikamu A chiri "kufukidzwa kwechipatara," ichiri kufukidza hunyanzvi mabasa ehutano epamba nekuti anogona kuve kuenderera kwekutarisira kwawanga uchiwana kuchipatara uye kwakakosha pakuzorora kwako kwese.

Chikamu B

Medicare Chikamu B ndicho chikamu chinofukidza mabasa ekurapa. Wese munhu muChikamu B anobhadhara mari yeinishuwarenzi, uye vamwe vanhu vanogona kubhadhara yakawanda zvichibva pamari yavo. Chikamu B chinobhadhara zvimwe zvezvinhu zvehutano hwepamba, kusanganisira zvekurapa.

Chikamu C

Medicare Chikamu C chinonziwo Medicare Advantage. Izvo zvakasiyana neyechinyakare Medicare mune iyo inosanganisa zvikamu A, B, dzimwe nguva D (inonyorwa mishonga kufukidza), uye dzimwe nguva mamwe masevhisi, zvinoenderana nechirongwa chako.

Mienzaniso yeMedicare Advantage Plans inosanganisira sangano rekuchengetedza hutano (HMO) kana inodiwa musangano wesangano (PPO). Kana iwe uine aya marudzi ehurongwa, iwe ungangoda kuti utore ako epamba masevhisi ehutano kubva kune agency chirongwa chako chakanyatso kubvumirana nacho.

Mamwe marongero eMedicare Advantage anopa kumwe kufukidza kwehutano hwepamba, uye ruzivo urwu runofanira kuverengerwa mukutsanangura kwako mabhenefiti.

Medicare yekuwedzera zvirongwa kana Medigap

Kana iwe uine Medicare yekutanga (zvikamu A neB, kwete Medicare Advantage), unogona kutenga chirongwa cheMedare chinowedzera, chinonziwo Medigap.

Mamwe marongero eMedigap anobhadhara mari yemubhadharo weChechi B, iyo inogona kukubatsira iwe kubhadhara mabasa ehutano epamba. Nekudaro, izvi zvirongwa hazvipi zvinowedzerwa zvehutano hwepamusha hwebasa rehutano.

Vamwe vanhu vanosarudza kutenga yakaparadzaniswa-refu inishuwarenzi yekuchengetedza, iyo isiri chikamu cheMedicare. Aya marongero anogona kubatsira kuvhara mamwe mabasa epamba ekuchengetedza hutano uye kwenguva yakareba kupfuura Medicare. Nekudaro, marongero aya anosiyana uye anomiririra imwe mari kune vakuru.

Chinokosha

Medicare haibhadhare epamba pekubatsira mabasa mukushaikwa kwehunyanzvi hwekuchengetedzwa. Kana chiremba wako achiti iwe unoda kutarisirwa zvine hunyanzvi, iwe unogona kunge uchikwanisa kupihwa masevhisi ekuchengetedza iwe uchinge uchinge uchinge uine hunyanzvi

Nzira yakanakisa ndeyekutaurirana nachiremba wako uye neanotarisira imba yehutano agency kuti unzwisise kuti ndezvipi zvinodhura uye zvisina kuvharwa uye kwenguva yakareba sei.

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.