Kodi Medicare Imakwirira Maulendo A Dotolo?

Zamkati

• Kodi Medicare imakhudza liti maulendo a dokotala?
• Ndi mbali ziti za Medicare zomwe zimakhudza maulendo a dokotala?
• Kodi Medicare sikhala nthawi yayitali iti?
• Kutenga

Medicare Part B imakhudza maulendo ochuluka a maulendo a dokotala, kuphatikiza maimidwe oyenera azachipatala ndi chisamaliro chodzitetezera. Komabe, zomwe sizikuphimbidwa zingakudabwitseni, ndipo zodabwitsazo zimatha kubwera ndi ndalama zambiri.

Izi ndi zomwe muyenera kudziwa pokhudzana ndi kufalitsa ndi mtengo - musanalembetse ulendo wanu wotsatira wa dokotala.

Kodi Medicare imakhudza liti maulendo a dokotala?

Medicare Part B imakhudza 80 peresenti ya mtengo wovomerezeka ndi Medicare wa maulendo oyenera azachipatala.

Izi zimaphatikizapo ntchito zothandizira odwala omwe mumalandira kuofesi yanu kapena kuchipatala. Zimaphatikizaponso othandizira odwala kuchipatala. Kuti mudziwe zambiri, dokotala wanu kapena wothandizira zachipatala ayenera kukhala wovomerezeka ndi Medicare ndikuvomera ntchito.

Medicare Part B imaphatikizaponso 80 peresenti ya mtengo wovomerezeka ndi Medicare wazithandizo zothandizila zomwe mumalandira kuchokera kwa dokotala kapena wothandizira ena. Izi zikuphatikiza maimidwe azaumoyo, monga kuyesa kwapachaka kapena kwa miyezi 6.

Deductible yanu yapachaka iyenera kukumana Medicare isanakwaniritse 80 peresenti ya maulendo ofunikira azachipatala. Mu 2020, deductible ya Part B ndi $ 198. Izi zikuyimira kuwonjezeka kwa $ 13 kuchokera kuchotseredwa pachaka cha $ 185 mu 2019.

Ntchito zodzitchinjiriza zidzaperekedwa mokwanira ndi Medicare, ngakhale deductible yanu isanakwaniritsidwe.

Medicare idzafotokozera maulendo a dokotala ngati dokotala ndi dokotala (MD) kapena dokotala wa osteopathic (DO). Nthawi zambiri, amakambirananso za chithandizo chamankhwala chofunikira kapena chodzitetezera choperekedwa ndi:

• akatswiri azachipatala
• ogwira ntchito zachipatala
• othandizira pantchito
• zilankhulo zolankhula zamatenda
• madokotala
• akatswiri azamwino azachipatala
• othandizira adotolo
• othandizira thupi

Ndi mbali ziti za Medicare zomwe zimakhudza maulendo a dokotala?

Medicare Part B imafotokoza maulendo a dokotala. Momwemonso mapulani a Medicare Advantage, omwe amadziwikanso kuti Medicare Part C.

Medigap inshuwaransi yowonjezera imathandizira ena, koma osati onse, maulendo a dokotala omwe sanatchulidwe ndi Gawo B kapena Gawo C. Mwachitsanzo, Medigap idzalipira ndalama zomwe zimakhudzana ndi chiropractor kapena dokotala wa zamankhwala, koma sizingakwaniritse nthawi yochiritsira kapena mano.

Kodi Medicare sikhala nthawi yayitali iti?

Medicare sikuphimba ntchito zina zamankhwala zomwe mungaganizire zodzitchinjiriza kapena zamankhwala. Komabe, nthawi zina pamakhala kusiyanasiyana ndi lamuloli.

Kuti mumve mafunso okhudza momwe mungapezere Medicare, lemberani kwa makasitomala a Medicare ku 800-633-4227, kapena pitani patsamba la State Health inshuwaransi (SHIP) kapena muwayimbire foni ku 800-677-1116.

Ngati dokotala wanu amuuza Medicare kuti mankhwalawa ndi ofunika kuchipatala, akhoza kulipidwa pang'ono kapena mokwanira. Nthawi zina, mutha kulipira ndalama zowonjezera, zotuluka m'thumba. Nthawi zonse yang'anani musanaganize kuti Medicare idzalipira kapena siyilipira.

Zina zomwe Medicare silingalipire kuti mupite kuchipatala ndi izi:

• Medicare sichiphimba nthawi yoikidwiratu ndi wodwala matenda odziwitsa ena za ntchito zanthawi zonse monga chimanga kapena kuchotsedwa mwamphamvu kapena kudula zala.
• Nthawi zina Medicare imagwira ntchito zoperekedwa ndi dokotala wa zamagetsi. Ngati muli ndi matenda ashuga, glaucoma, kapena matenda ena omwe amafunikira mayeso amaso apachaka, Medicare imakhudza nthawi zonse. Medicare sikuphimba ulendo wa optometrist chifukwa chakusintha kwa mankhwala ozindikiritsa magalasi amaso.
• Medicare Yoyambirira (magawo A ndi B) saphimba ntchito zamano, ngakhale malingaliro ena a Medicare Advantage amatero. Ngati mwalandira chithandizo chamankhwala kuchipatala, Gawo A likhoza kulipira zina mwa ndalamazi.
• Medicare sikuphimba mankhwala a naturopathic, monga kutema mphini. Zina mwa mapulani a Medicare Advantage zimapereka chithandizo chokwanira.
• Medicare imangokhudza ntchito za chiropractic, monga kugwiritsidwa ntchito kwa msana, chifukwa cha vuto lotchedwa subluxation ya msana. Kuti muwonetsetse kuti mukuphimbidwa, mungafunike kupeza chithandizo chovomerezeka kuchokera kwa chiropractor yemwe ali ndi zilolezo komanso woyenerera. Madongosolo a Medicare Advantage atha kukhala ndi ntchito zina za chiropractic.

Pakhoza kukhala maulendo ena azachipatala ndi mautumiki omwe Medicare sangakwanitse. Mukakayikira, nthawi zonse onani zomwe mukuwerenga kapena kulembetsa.

• Kulembetsa koyamba: miyezi 3 musanabadwe komanso mutatha zaka 65. Muyenera kulembetsa ku Medicare m'miyezi 7 iyi. Ngati mwalembedwa ntchito, mutha kulembetsa ku Medicare mkati mwa miyezi 8 mutapuma pantchito kapena kusiya dongosolo la inshuwaransi ya kampani yanu ndikupewanso zilango. Pansi pa malamulo aboma, mutha kulembetsanso dongosolo la Medigap nthawi iliyonse mkati mwa miyezi isanu ndi umodzi kuyambira 65 yanu^th tsiku lobadwa.
• Kulembetsa wamba: Januware 1 - Marichi 31. Ngati mwaphonya nthawi yoyamba kulembetsa, mutha kulembetsabe Medicare nthawi iliyonse panthawiyi. Komabe, mutha kulipidwa chindapusa cholembetsa pakapita nthawi phindu lanu likayamba kugwira ntchito. Munthawi imeneyi, mutha kusintha kapena kusiya dongosolo lanu la Medicare Advantage ndikusankha Medicare yoyambirira m'malo mwake. Muthanso kupeza dongosolo la Medigap panthawi yolembetsa ambiri.
• Kulembetsa kwapachaka kwapachaka: Okutobala 15 - Disembala 7. Mutha kusintha zosintha zanu zomwe zilipo chaka chilichonse panthawiyi.
• Kulembetsa ku zowonjezera za Medicare: Epulo 1 - Juni 30. Mutha kuwonjezera Medicare Part D kapena dongosolo la Medicare Advantage pazomwe mungapeze ku Medicare.

Kutenga

Medicare Part B imakhudza 80 peresenti ya mtengo wa maulendo a dokotala kukawona chithandizo chodzitetezera ndi ntchito zofunikira zamankhwala.

Si mitundu yonse ya madokotala yomwe imaphimbidwa. Pofuna kuonetsetsa kuti mukufalitsa, dokotala wanu ayenera kukhala wovomerezeka ndi Medicare. Onetsetsani dongosolo lanu kapena imbani foni yothandizira makasitomala a Medicare pa 800-633-4227 ngati mungafune kudziwa zambiri.

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.