Kodi Medicare Amaphimba Thupi?

Zamkati

• Kodi Medicare imakhudza liti kutema mphini?
• Kodi ndalama zochulukira pamtengo ndindalama zingati?
• Kodi Medicare imaphimba chisamaliro china kapena chothandizira?
• Kuchulukitsa mankhwala
• Chithandizo cha chiropractic
• Thandizo lakuthupi
• Kodi pali njira yodziwira njira zochiritsira zosagwiritsidwa ntchito masiku onse?
• Mfundo yofunika

• Kuyambira pa Januware 21, 2020, Medicare Part B imakhudza magawo 12 a kutema mphini mkati mwa nthawi ya 90 kuti athetse ululu wopweteka kwambiri wamankhwala.
• Mankhwala othandizira kutema mphini ayenera kuchitidwa ndi akatswiri, ovomerezeka omwe ali ndi zilolezo.
• Medicare Part B itha kubisa magawo 20 otema mphini pachaka.

Kutema mphini ndi mankhwala ochiritsira omwe akhala akuchita kwa zaka masauzande ambiri. Mabuku azachipatala akuwonetsa kuti, kutengera momwe zinthu zilili, kutema mphini kungakhale mankhwala othandiza opweteka kwambiri.

Mwa kuyankha kwamavuto a opioid, pa Januware 21, 2020, Centers for Medicare & Medicaid Services (CMS) idapereka malamulo atsopano okhudzana ndi kufalitsa kwa Medicare pochiritsira. Medicare tsopano imakhudza magawo 12 otema mkati mwa masiku 90 pochiza kupweteka kwakumbuyo kwakanthawi komanso magawo 20 obowola kutema mphini pachaka.

Kodi Medicare imakhudza liti kutema mphini?

Kuyambira pa Januwale 2020, Medicare Part B imakhudza chithandizo chothandizira pakhosi pochiza kupweteka kwakumbuyo. Mankhwalawa ayenera kuchitidwa ndi dokotala kapena akatswiri ena azaumoyo monga namwino kapena wothandizira omwe ali nawo zonse ziyeneretso izi:

• digiri ya masters kapena digiri yaukadaulo pocheketsa matope kapena ku Oriental Medicine kuchokera kusukulu yovomerezeka ndi Accreditation Commission on Acupuncture and Oriental Medicine (ACAOM)
• chiphaso chamakono, chokwanira, chogwira ntchito, komanso chopanda malire choti azichita kutema mphini m'boma lomwe akusamaliridwa

Medicare Part B imakhudza magawo 12 otema mkati mwa masiku 90 mpaka magawo 20 pachaka. Magawo ena asanu ndi atatu atha kuphimbidwa ngati mukuwonetsa bwino mukamalandira chithandizo.

Mukuyenera kulandira chithandizo chothandizira kutsekemera ngati:

• Mukudziwa zowawa zam'munsi zomwe zatha masabata 12 kapena kupitilira apo.
• Ululu wanu wam'mbuyo ulibe chifukwa chazomwe zimayambitsa kapena sichigwirizana ndi matenda am'mimba, otupa, kapena opatsirana.
• Kupweteka kwanu kumbuyo sikumakhudzana ndi opaleshoni kapena mimba.

Medicare imangotenga chithandizo cha kutema mphini kumankhwala omwe amapezeka ngati opweteka kwambiri.

Kodi ndalama zochulukira pamtengo ndindalama zingati?

Ndalama zamatenda amtundu zimasiyana malinga ndi omwe amakupatsani komanso komwe mumakhala. Kusankhidwa kwanu koyamba kungakhale kokwera mtengo kwambiri, chifukwa muyenera kulipira ndalama zolipirira komanso chithandizo chilichonse.

Medicare sanaperekebe ndalama zomwe amalipira kuchiritsa. Malipiro ovomerezekawa akakhazikitsidwa, ngati muli ndi Medicare Part B, mudzakhala ndi gawo la 20% ya ndalamazo ndipo Gawo B lanu limachotsedwa.

Popanda Medicare, mungayembekezere kulipira $ 100 kapena kupitilira chithandizo choyamba ndi pakati pa $ 50 ndi $ 75 pazachipatala pambuyo pake. Zomwe zidachitika mu 2015 zidawononga mtengo wapamwezi wa anthu omwe amagwiritsa ntchito kutema mphini m'munsi mwa kupweteka kwakanthawi mwezi umodzi ndikuyerekeza kuti ndi $ 146.

Chifukwa mitengo imatha kusiyanasiyana, funsani dokotala wanu zomwe gawo lanu liziwonongeke. Pezani chiyerekezo polemba, ngati mungathe, musanavomere kuchitiridwa chithandizo ndi omwe amakupatsani mphamvu yakutemera. Kuti atetezedwe ndi Medicare, dokotala aliyense wogwiritsira ntchito mankhwalawa ayenera kukwaniritsa zofunikira za Medicare ndikuvomera kulandira kulipira kwa Medicare.

Kodi Medicare imaphimba chisamaliro china kapena chothandizira?

Ngakhale Medicare siyikunena za njira zochiritsira zosagwiritsidwa ntchito masiku ambiri, mutha kupezedwa ndi njira zina zochiritsira m'malo ena.

Kuchulukitsa mankhwala

Pakadali pano, Medicare siyikhudza kutikita minofu, ngakhale nthawi yomwe dokotala wanu wakupatsani.

Chithandizo cha chiropractic

Medicare Part B imakhudza kusintha kwa msana wanu kochitidwa ndi chiropractor. Ngati mukudwala kuti mumapezeka fupa mumsana, mutha kukhala oyenera kulandira chithandizo chamankhwala.

Malinga ndi malingaliro a Medicare, mudzakhalabe ndi udindo wa 20 peresenti ya mtengo wamankhwala, komanso Medicare Part B yanu yochotseredwa pachaka.

Medicare siimagwira ntchito zina zomwe chiropractor angakupatseni kapena kupereka, monga kutema mphini ndi kutikita minofu, ndipo Medicare siyikhudza mayeso omwe adalamulidwa ndi chiropractor monga X-ray.

Thandizo lakuthupi

Medicare Part B imakhudza chithandizo chamankhwala chofunikira. Mankhwalawa ayenera kuchitidwa ndi wochiritsa yemwe amatenga nawo mbali ku Medicare ndikulamulidwa ndi dokotala yemwe amapereka zikalata zosonyeza kuti mukufuna mankhwalawo.

Mudzakhalabe ndi udindo wa 20 peresenti ya mtengo wamankhwala, komanso Medicare Part B yanu yochotseredwa pachaka.

Kodi pali njira yodziwira njira zochiritsira zosagwiritsidwa ntchito masiku onse?

Kuphatikiza pa Medicare Part A ndi Medicare Part B, pali mapulani ena omwe mungagule kuti muwonjezere kufalitsa kwanu.

Madongosolo a Medicare Part C (Medicare Advantage) ndi mapulani a inshuwaransi achinsinsi omwe amapereka zabwino za Medicare zoyambirira kuphatikiza zosankha kuchokera kumakampani a inshuwaransi. Mapulani othandizira ayenera kugwira ntchito zomwe Medicare Part B imakhudza, kotero dongosolo lililonse la Medicare Advantage liyenera kuphimba pobowola mofanana ndi Medicare Part B.

Gawo C lingakane zithandizo zina. Ngati muli ndi dongosolo la Medicare Advantage, funsani omwe akukuthandizaniwo mfundo zawo pazithandizo zina zamankhwala.

Ndondomeko zowonjezera za Medigap zitha kugulidwa kuti ziwonjezere phindu la kufalitsa kwachikhalidwe cha Medicare. Ndondomeko zowonjezerazi zimaphimba zinthu monga kuchotsera ndalama ndi zina zomwe mumalandira m'thumba.

Mapulani a inshuwaransi yawokha ndi omwe angakwaniritse njira zochiritsira zina. Ngakhale mtengo woyamba wa inshuwaransi yawokha ukhoza kukhala wokwera, mapulaniwa amatha kuchepetsa mtengo wa njira zochiritsira zina.

Medicare imatha kukhala yosokoneza komanso yovuta kuyendetsa. Kaya mukulembetsa nokha kapena kuthandiza wokondedwa wanu, nazi malangizo othandiza panthawiyi:

• Lembani mndandanda wazomwe mukudwala komanso mankhwala omwe mumamwa. Kudziwa zosowa zanu zamankhwala kukuthandizani mukamafufuza Medicare.gov kapena mukalankhula ndi Social Security Administration.
• Sakani ku Medicare.gov kuti mumve zambiri zamapulani onse a Medicare. Medicare.gov ili ndi zida zokuthandizani kuti mufufuze zochokera pazinthu zambiri, monga msinkhu wanu, malo, ndalama, komanso mbiri yazachipatala.
• Lumikizanani ndi Social Security Administration kuti mupeze mafunso aliwonse. Kulembetsa kwa Medicare kumayang'aniridwa ndi Social Security Administration. Lumikizanani nawo kale mumalembetsa. Mutha kuyimba foni, kuyang'ana pa intaneti, kapena kukonza msonkhano wokambirana ndi anthu.
• Lembani manambala pakuyimba kulikonse kapena pamisonkhano yokonzekera kulembetsa. Zolemba izi zitha kuthandizira kufotokoza zambiri zamankhwala komanso kufotokozera.
• Pangani bajeti. Ndikofunika kudziwa ndendende momwe mungakwaniritsire kulipira phindu lanu la Medicare.

Mfundo yofunika

Kutema mphini kungakhale mankhwala othandiza pazinthu zina zaumoyo zomwe zimakhudza okalamba, monga nyamakazi ya nyamakazi kapena kupweteka kwakumbuyo kwakanthawi.

Kuyambira pa Januware 21, 2020, Medicare Part B imakhudza kutsekeka kwamatenda opweteka kwakanthawi kochepa mpaka magawo 12 m'masiku 90 mpaka magawo 20 pachaka.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.