Kodi ma Veterans amafunikira Medicare?

Zamkati

• Kodi ndiyenera kulembetsa ku Medicare ngati ndili ndi VA?
• VA chithandizo chamankhwala
• Kuphunzira kwa Medicare
• Medicare Gawo A
• Medicare Gawo B
• Medicare Gawo C
• Gawo la Medicare D.
• Mapulani a Medigap
• Kodi VA ndi Medicare zimagwirira ntchito bwanji limodzi?
• Kodi Medicare imagwira ntchito bwanji ndi TRICARE?
• Kodi TRICARE for Life chimakwirira chiyani?
• Mwachitsanzo
• Kodi ndingalembetse bwanji ku Medicare?
• Kodi ndingasankhe bwanji dongosolo lowonjezerera?
• Kodi ndingasunge bwanji ndalama zanga?
• Kutenga

Dziko la maubwino akale lingakhale losokoneza, ndipo zingakhale zovuta kudziwa kuchuluka komwe mulipo. Kuonjezera chithandizo chazachikulire wanu ndi dongosolo la Medicare kungakhale lingaliro labwino, makamaka chifukwa Kuphunzira zaumoyo wa Veteran's (VA) kumatha kusiyanasiyana pakati pamunthu ndi munthu komanso pakapita nthawi.

Apa, tiwona mapulani osiyanasiyana a Medicare, TRICARE, ndi VA Medical Benefits ndi momwe onse amagwirira ntchito limodzi.

Kodi ndiyenera kulembetsa ku Medicare ngati ndili ndi VA?

Zomwe chithandizo chamankhwala chimaperekedwa ndi VA ndi njira ina yothandizira zaumoyo kuposa Medicare. Nthawi zambiri, machitidwewa samalumikizana, chifukwa nthawi zambiri zimakhala kwa omenyerawo kuti amvetsetse kufalitsa komwe kumaperekedwa ndi dongosolo lililonse.

VA chithandizo chamankhwala

VA chisamaliro chamankhwala chimafotokoza ntchito zamankhwala zomwe ndizokhudzana ndi ntchito komanso zosagwirizana ndi ntchito. Kuti mulandire 100%, muyenera kupeza chithandizo kuchipatala cha VA kapena kuchipatala.

Ngati mungalandire chithandizo kuchipatala chomwe si cha VA, mungafunike kulipira copay. Nthawi zina, VA imatha kuloleza chisamaliro m'malo omwe si a VA, koma izi ziyenera kuvomerezedwa musanalandire chithandizo.

Kuphunzira kwa Medicare

Kotero, bwanji ngati mutalandira chisamaliro m'malo omwe si a VA pachikhalidwe chomwe sichikugwirizana ndiutumiki ndipo sichikuphimbidwa ndi VA inshuwaransi yanu? Ngati mudutsa zaka 65, ndipamene Medicare imathandizira.

Mukasankha gawo lililonse la Medicare, mumadzipangira nokha chithandizo chamankhwala chokwanira. Simudzakhalanso ndi ndalama zambiri zotulutsira mthumba.

Chotsatira, tiyeni tiwone magawo osiyanasiyana a Medicare.

Medicare Gawo A

Medicare Part A nthawi zambiri imakhala yaulere ndipo ilibe ndalama zoyambira. Gawoli limakhudza chisamaliro chosakhala cha VA ngati muli ndi vuto ladzidzidzi kapena ngati mumakhala kutali ndi malo a VA.

Medicare Gawo B

Medicare Part B imapereka njira zina zokuthandizira anthu omwe si a VA omwe amakupatsani chithandizo chamankhwala komanso zinthu zina zomwe VA yanu singakambe.

Kuphunzira kwa VA kumatha kusintha pakapita nthawi kutengera ndalama kuchokera ku Congress. Ngati ndalama zimadulidwa kuti athandizidwe ndi a VA, omenyera ufulu wawo amasankhidwa mwapadera malinga ndi zosowa zawo. Izi zikutanthauza kuti chithandizo chamankhwala chokhazikika cha VA sichitsimikizika, zomwe ndikofunikira kukumbukira mukamaganizira njira ina yothandizira zaumoyo ngati chithandizo chowonjezera.

Ndikofunika kudziwa kuti ngati simulembetsa ku Medicare Part B nthawi yomweyo kenako ndikutaya VA yanu, ndalama zolembetsa mochedwa zidzagwira ntchito.

Medicare Gawo C

Medicare Part C, yomwe imadziwikanso kuti Medicare Advantage, imapereka chithandizo chamankhwala chomwe VA ndi Medicare sachita. Izi zikuphatikiza mano, masomphenya, kumva, mankhwala akuchipatala, ndi zina zambiri.

Palinso zifukwa zina zofunika kuziganizira posankha ngati Medicare Advantage ili yoyenera kwa inu. Pamwamba pazabwino zowonjezera, mapulani a Medicare Advantage amapereka chithandizo chamankhwala pazithandizo zonse zamankhwala, njira zingapo zomwe mungasankhe, komanso nthawi zambiri kupulumutsa ndalama kwakanthawi.

Komabe, pali zovuta zina zomwe mungaganizire, kuphatikiza zina zowonjezera mapulani, kukhala munthawi yamaukonde, komanso kusowa kolowera mukamayenda.

Ganizirani zosowa zanu zofunikira komanso bajeti mukamasankha mtundu wamtundu womwe ungakuthandizeni kwambiri.

Gawo la Medicare D.

Medicare Part D ndi dongosolo la mankhwala. Ngakhale imakhala ndi mitengo yokwera kwambiri kuposa njira ya VA, itha kubweza mankhwala omwe sanakwiridwe ndi VA. Gawo D mapulani amakulolani kuti mupite ku malo omwe mumakonda kugulitsa ndi kudzaza mankhwala ochokera kwa omwe si a VA.

Komabe, ngati simulembetsa nawo gawo D nthawi yomweyo, pamakhala chowonjezerapo china mukalembetsa ngati mwapita popanda mankhwala akuchipatala kwa masiku 63 motsatizana.

Ngati mukuvutika ndi ndalama zomwe mumalandira, mwina mungayenerere thandizo la Medicare's Extra Help thandizo. Amadziwikanso kuti Part D Low-Revenue Subsidy, pulogalamuyi imapereka chithandizo chowonjezera chamankhwala kutengera zomwe mumapeza komanso momwe mungafunire ndalama.

Mapulani a Medigap

Zowonjezera, monga Medigap, ndizothandiza kuthana ndi zochitika zadzidzidzi kapena mukamayenda kunja kwa US Zimathandizanso ngati simukukhala pafupi ndi wothandizidwa ndi VA kapena malo azachipatala, kapena ngati mukuyang'ana patsogolo VA gulu lopindulitsa.

Kodi VA ndi Medicare zimagwirira ntchito bwanji limodzi?

Mukakhala ndi chithandizo chamankhwala cha VA, VA imalipira kukaona adotolo, malangizo ochokera kwa omwe amapereka kwa VA, ndikupita ku malo a VA. Medicare imalipira chithandizo chilichonse ndi mankhwala ochokera kwa omwe si VA omwe amapereka chithandizo chamankhwala ndi malo.

Pakhoza kukhala nthawi zomwe VA ndi Medicare amalipira. Izi zitha kuchitika mukapita kuchipatala chomwe si cha VA kukalandira chithandizo kapena chithandizo chovomerezeka ndi VA, koma mukufuna njira zina zomwe sizikukhudzidwa ndi dongosolo la zamankhwala la VA. Medicare itenga zina mwazowonjezera.

Kumbukirani, komabe, muli ndi udindo wopeza gawo lanu la Part B komanso 20% ya copay kapena zolipirira ndalama.

Mukakayikira, mutha kulumikizana ndi VA ndi Medicare nthawi iliyonse pamafunso aliwonse ofunikira.

• Kwa mafunso okhudzana ndi zaumoyo a VA, imbani 844-698-2311
• Kwa mafunso okhudzana ndi Medicare, itanani 800-MEDICARE

Kodi Medicare imagwira ntchito bwanji ndi TRICARE?

TRICARE ndiye wothandizira inshuwaransi ya zamankhwala. Idagawika m'mapulani angapo, kutengera momwe muli usirikali. Mapulani awa ndi awa:

• TRICARE Prime
• TRICARE Kutali Kwambiri
• TRICARE Nyanja Yaikulu
• TRICARE Maiko Akutali Kwambiri
• TRICARE Sankhani
• TRICARE Sankhani Kumayiko Ena
• ZOTHANDIZA Kwa Moyo
• TRICARE Reserve Select
• TRICARE Malo Opuma pantchito
• TRICARE Achinyamata
• Dongosolo Laumoyo Wabanja ku US

Mukapuma pantchito yankhondo ndikukwanitsa zaka 65, mudzakhala woyenera kulandira TRICARE for Life ngati mwalembetsa ku Medicare gawo A ndi B.

Kodi TRICARE for Life chimakwirira chiyani?

Tricare for Life ingaganizireni wolipira wachiwiri. Izi zikutanthauza kuti dongosolo lanu la Medicare limalipilidwa kaye pazithandizo zilizonse zomwe mungalandire. Medicare ikamalipira, Tricare amalipira zotsalazo, ngati ataphimba ntchitozo.

Mwachitsanzo

Mumapita ku thupi lanu lapachaka ndipo mumatumizidwa kwa katswiri wa zamagetsi kwa nthawi yoyamba. Paulendo wapa mtima, mumauzidwa kuti muyenera kukhala ndi echocardiogram ndikuyesa kupsinjika.

Dokotala wanu woyang'anira chisamaliro chachikulu, katswiri wamtima, ndi malo omwe mumalandila mayeso onse adzakonzereni dongosolo lanu la Medicare poyamba. Medicare ikalipira chilichonse chomwe chimakonzedwa malinga ndi dongosolo lanu, ndalama zotsalazo zimangotumizidwa ku TRICARE.

Dongosolo lanu la TRICARE lilipira ndalama zotsala zomwe Medicare sanalipire, komanso ndalama zilizonse zomwe mungakhale nazo.

Mutha kulembetsa ku Tricare for Life munthawi yotseguka ya TRICARE, yomwe imayamba mu Novembala. Mutha kulembetsanso kunja kwa nyengo yotseguka ngati muli ndi zochitika pamoyo woyenera monga kupuma pantchito, ukwati, kapena kumwalira kwa wachibale. Muli ndi masiku 90 mutakwaniritsa chochitika chamoyo kuti musinthe momwe mukulembera kapena kulembetsa.

Kodi ndingalembetse bwanji ku Medicare?

Mutha kulembetsa ku Medicare mosavuta. Pali zinthu zochepa chabe zofunika kukumbukira:

• Ngati mukuyandikira zaka 65, mutha kulembetsa nthawi yoyamba kulembetsa. Kulembetsa mu gawo la Medicare A ndi B kumayamba miyezi itatu musanakwanitse zaka 65, mwezi wokumbukira kubadwa kwanu, ndi miyezi itatu mutakwanitsa zaka 65.
• Ngati simunalembetse, mukufuna kusintha gawo la Medicare lomwe lidalipo A kapena B, kapena muli ndi zaka zopitilira 65 koma mukuyang'ana kuti mulembetse, nthawi yolembetsa ndi Januware 1 - Marichi 31 chaka chilichonse.

Kuti muyambe ndi kulembetsa, pitani patsamba lolembetsa la Medicare ndikutsatira zomwe akukulangizani.

Kodi ndingasankhe bwanji dongosolo lowonjezerera?

Ngati mukufuna kuwonjezera chithandizo cha Medicare ndi VA ndi mapulani ena, muli ndi njira zingapo:

• Phindu la Medicare (Gawo C)
• Gawo la Medicare D.
• Kusinkhasinkha

Mapulaniwa amapezeka kudzera m'makampani a inshuwaransi apadera ndipo amatha kulipira ndalama zowonjezerapo zomwe sizilipidwa ndi mapulani azaumoyo a VA kapena Medicare. Izi zitha kuphatikizira izi:

• coinsurance, copays, kapena premiums kuchokera ku Medicare Part B
• Mtengo wa mankhwala
• zipangizo zamankhwala
• ntchito zamasomphenya zothandizira kulipira magalasi ndi olumikizana nawo
• mano, kuphatikizapo kuteteza ndikuthandizira chithandizo
• Kuphunzira mankhwala osokoneza bongo
• ntchito zakumva zothandizira kulipira zothandizira kumva ndi mayeso
• mapulogalamu olimbitsa thupi kapena azaumoyo, kuphatikiza mamembala a masewera olimbitsa thupi

Mukamaganizira zowonjezera, fufuzani kuti ndi ntchito ziti zomwe zakonzedwa kale ndi zomwe mudakonza kale. Ngati mukuganiza kuti mudzafunika kufotokozeredwa zambiri mtsogolo kapena mwapezeka kuti muli ndi matenda osachiritsika, mungafune kuganizira kugula mapulani owonjezera.

Nawa mafunso ochepa omwe mungadzifunse mukamaganizira njira yoyenera yomwe mungafotokozere:

• Kodi mankhwala omwe mumakonda komanso madotolo anu akuphatikizidwa muzolemba zanu?
• Kodi pali kuthekera komwe mungafune zida zamankhwala kapena zingapo zamankhwala posachedwa?
• Ngati mulibe matenda aliwonse achilendo, kodi mumafotokoza zambiri? Kodi mungagwiritse ntchito?

Kodi ndingasunge bwanji ndalama zanga?

Ngati mtengo uli vuto, pali mapulani a $ 0 premium Medicare Advantage. Kumbukirani, pakhoza kukhala zolephereka pakufotokozera komanso omwe angakupatseni mwayi wowona.Muthanso kugwiritsa ntchito mapulogalamu ena othandizira monga Medicaid ndi Thandizo lowonjezera, mukakwaniritsa zofunikira.

Kutenga

Ngati ndinu msirikali wakale wokhala ndi chithandizo chamankhwala cha VA ndipo muli ndi zaka zopitilira 65, kulembetsa dongosolo la Medicare kumatha kukupatsirani chidziwitso chokwanira.

Ndondomeko za VA ndi TRICARE zitha kuphatikizidwa ndi mapulani a Medicare. Zowonjezera mapulani owonjezera amapezeka kudzera mu Medicare, ndipo mutha kusankha imodzi yomwe ingakwaniritse zosowa zanu ndi phindu lanu.

Pali zosankha zambiri zokuthandizani kuti mukhale ndi pulogalamu yazaumoyo wathanzi mutakwanitsa zaka 65.