Kodi Medicare Ikuphimba Nyumba Zachikulire?

Zamkati

• Kodi Medicare imagwira ntchito liti kusamalira nyumba zosamalira okalamba?
• Ndi mbali ziti za Medicare zomwe zimafunikira chisamaliro cha nyumba zosungira okalamba?
• Medicare Gawo A
• Medicare Gawo B
• Kodi mapulani a Advantage amaphimba gawo lililonse la izo?
• Nanga bwanji za Medigap supplements?
• Nanga bwanji mankhwala a Gawo D?
• Ndi njira ziti za Medicare zomwe zingakhale zabwino kwambiri ngati mungafune chisamaliro cha okalamba chaka chamawa?
• Kodi nyumba yosungirako okalamba ndi chiyani?
• Ubwino wosamalira nyumba zosamalira okalamba
• Zimawononga ndalama zingati kusamalira nyumba zosamalira okalamba?
• Mfundo yofunika

Medicare ndi pulogalamu ya inshuwaransi yazaumoyo kwa iwo azaka 65 kapena kupitilira apo (komanso ndi matenda ena) ku United States.

Mapulogalamuwa amakhudza ntchito monga kuchipatala komanso malo ogona odwala komanso chithandizo chodzitetezera. Medicare itha kukhala malo osakhalitsa m'nyumba zosungira okalamba munthu akafuna chisamaliro chaluso.

Komabe, ngati munthu akufuna kupita kumalo osungirako okalamba nthawi yayitali, Medicare amakonzekera nthawi zambiri sangakwanitse kulipira ndalamazi.

Kodi Medicare imagwira ntchito liti kusamalira nyumba zosamalira okalamba?

Kuti mumvetsetse zomwe Medicare imakhudza m'nyumba zosungira anthu okalamba, nthawi zina zimakhala bwino kudziwa zomwe sizikuphimba. Medicare sikuphimba chisamaliro m'nyumba yosamalira okalamba pamene munthu amafunikira chisamaliro chokha. Chisamaliro chosamalira makolo chimaphatikizapo izi:

• kusamba
• kuvala
• kudya
• kupita kuchimbudzi

Monga mwalamulo, ngati munthu amafunikira chisamaliro chomwe sichifuna digirii kuti apereke, Medicare siyikwaniritsa ntchitoyi.

Tsopano tiyeni tiwone zomwe Medicare imaphimba.

Medicare imapereka chithandizo cha unamwino waluso kumalo osungira anthu okalamba, koma muyenera kukwaniritsa zofunikira zingapo. Izi zikuphatikiza:

• Muyenera kukhala ndi Medicare Part A ndikukhala ndi masiku otsala mu nthawi yanu yopindula.
• Muyenera kuti poyamba munakhala kuchipatala choyenerera.
• Dokotala wanu akuyenera kudziwa kuti mukufunikira chisamaliro chamwino tsiku ndi tsiku.
• Muyenera kulandira chisamaliro ku malo osamalira anthu okalamba.
• Malo omwe mumalandila chithandizo chanu ayenera kukhala ovomerezeka ndi Medicare.
• Mumafunikira chithandizo chaukadaulo chamankhwala okhudzana ndi chipatala kapena vuto lomwe lidayamba muli ku malo oyamwitsa aluso kuti mupeze chithandizo chazachipatala choyambirira, chokhudzana ndi chipatala.

Ndikofunikanso kuzindikira kuti chisamaliro ichi ndi cha kanthawi kochepa, osati chisamaliro chanthawi yayitali.

Nthawi zambiri, Medicare Part A imatha kulipira mpaka masiku 100 kumalo osungira anthu aluso. Malo oyamwitsa anthu aluso ayenera kumulandila munthuyu pasanathe masiku 30 atatuluka m'chipatala, ndipo ayenera kumulandila chifukwa cha matenda kapena kuvulala komwe munthuyo amalandila chisamaliro chachipatala.

Ndi mbali ziti za Medicare zomwe zimafunikira chisamaliro cha nyumba zosungira okalamba?

Medicare nthawi zambiri imangokhudza chisamaliro cha nthawi yochepa m'nyumba yosungira anthu okalamba. Pitirizani kuwerenga kuti muwononge zomwe Medicare ingakhudze zokhudzana ndi nyumba zosungira anthu okalamba.

Medicare Gawo A

Ntchito zina za Medicare Part A zitha kukhala m'malo osamalira okalamba ndi awa:

• upangiri wazakudya ndi ntchito zopatsa thanzi
• mankhwala ndi zida
• mankhwala
• chakudya
• chithandizo pantchito
• chithandizo chamankhwala
• chipinda chayekha
• unamwino waluso, monga kusintha kwa mabala
• ntchito zantchito zokhudzana ndi chithandizo chofunikira chamankhwala
• matenda olankhula

Medicare ikhozanso kutchula china chotchedwa "swing bed services." Apa ndipamene munthu amalandila chisamaliro chaumwino kuchipatala chamankhwala ovuta.

Medicare Gawo B

Medicare Part B ndi gawo la Medicare lomwe limalipira othandizira kuchipatala, monga maulendo a dokotala komanso kuwunika zaumoyo. Gawo ili la Medicare nthawi zambiri silikuphimba nyumba zosamalira okalamba.

Kodi mapulani a Advantage amaphimba gawo lililonse la izo?

Mapulani a Medicare Advantage (omwe amatchedwanso Medicare Part C) samakonda kusamalira nyumba zosamalira okalamba zomwe zimawerengedwa kuti ndizosamalira. Zina zochepa zimakhalapo, kuphatikiza ngati mapulani a munthu ali ndi mgwirizano ndi nyumba yosungira okalamba kapena bungwe lomwe limagwira nyumba zosungira okalamba.

Nthawi zonse kambiranani ndi omwe amakupatsani mapulani musanapite ku nyumba yosungirako anthu okalamba kuti mumvetsetse kuti ndi ntchito ziti zomwe sizikupezeka mu dongosolo lanu la Medicare Advantage.

Nanga bwanji za Medigap supplements?

Mapulani owonjezera a Medigap amagulitsidwa ndi makampani azinsinsi za inshuwaransi ndipo amathandizira kulipirira ndalama zowonjezera, monga zochotseredwa.

Madongosolo ena a Medigap atha kuthandiza kulipira ma inshuwaransi aluso aluso. Izi zikuphatikiza mapulani C, D, F, G, M, ndi N. Plan K amalipira pafupifupi 50% ya chitsimikizo cha ndalama ndipo Plan L imalipira 75% ya chitsimikizo.

Komabe, mapulani owonjezera a Medigap samalipira chisamaliro cha nyumba zosamalira okalamba kwakanthawi.

Nanga bwanji mankhwala a Gawo D?

Medicare Part D ndikulemba mankhwala omwe amathandizira kulipira zonse kapena gawo la mankhwala amunthu.

Ngati munthu amakhala m'nyumba yosungirako anthu okalamba, amalandila mankhwala awo kuchokera ku pharmacy yanthawi yayitali yomwe imapereka mankhwala kwa iwo omwe ali m'malo osamalira anthu ngati nthawi yayitali ngati nyumba yosungira okalamba.

Komabe, ngati muli ndi malo aluso omwe alandila unamwino waluso, Medicare Part A nthawi zambiri imalemba zomwe mwalandira panthawiyi.

Ndi njira ziti za Medicare zomwe zingakhale zabwino kwambiri ngati mungafune chisamaliro cha okalamba chaka chamawa?

Madongosolo ambiri a Medicare sangakwaniritse chisamaliro cha nyumba zosamalira okalamba. Kupatula kumeneku kungaphatikizepo ngati mutagula dongosolo la Medicare Advantage ndi mgwirizano wapadera ndi nyumba yosungira okalamba. Apanso, nthawi zambiri zimasiyanitsidwa, osati malamulo, ndipo zosankha zomwe zilipo zimasiyanasiyana malinga ndi malo.

Ngati inu kapena wokondedwa wanu mungafunikire kusamukira kuchipatala chosamalira anthu okalamba, pali zosankha zina kunja kwa Medicare zomwe zingakuthandizeni kuchepetsa zolipira zina. Izi zikuphatikiza:

• Inshuwaransi yanthawi yayitali. Izi zitha kuthandiza kulipira zonse kapena gawo la ndalama za nyumba zosamalirako okalamba. Anthu ambiri adzagula malamulowa ali achichepere, monga azaka za m'ma 50, chifukwa ndalama zomwe amapeza nthawi zambiri zimakulira mtengo mukamakula.
• Mankhwala. Medicaid, pulogalamu ya inshuwaransi yomwe imathandizira kuphimba ndalama kwa omwe ali m'mabanja ochepa, ili ndi mapulogalamu aboma komanso mayiko omwe amathandizira kulipira kusamalira nyumba zosamalira okalamba.
• Ankhondo Oyang'anira. Omwe adagwira ntchito yankhondo atha kulandira thandizo lazachuma pantchito yanthawi yayitali kudzera ku United States department of Veterans Affairs.

Anthu ena atha kupeza kuti akufuna chithandizo cha Medicaid akamaliza ndalama zawo kulipirira chisamaliro cha nthawi yayitali. Kuti mudziwe zambiri zamomwe mungakwaniritsire, pitani pa netiweki ya State Health Insurance Assistance Programs.

Kodi nyumba yosungirako okalamba ndi chiyani?

Nyumba yosungirako okalamba ndi malo omwe munthu amatha kulandira thandizo lowonjezera kuchokera kwa anamwino kapena othandizira anamwino.

Zambiri mwa nyumbazi zitha kukhala nyumba kapena nyumba za anthu omwe amafunikira chisamaliro chowonjezera pazochita zawo za tsiku ndi tsiku kapena omwe sakufunanso kukhala okha. Ena amafanana ndi zipatala kapena mahotela okhala ndi zipinda zokhala ndi mabedi ndi mabafa komanso malo wamba ophunzirira, kusangalala, kudya, komanso kupumula.

Nyumba zambiri zosungira okalamba zimasamalira usana ndi usiku. Mapulogalamu amatha kusiyanasiyana, koma atha kuphatikizanso kuthandizidwa kupita kuchimbudzi, kuthandizidwa kupeza mankhwala, ndi chakudya.

Ubwino wosamalira nyumba zosamalira okalamba

• Ntchito yosamalira okalamba nthawi zambiri imalola kuti munthu azikhala payekha popanda kuchita nawo ntchito zokonza nyumba, monga kutchetcha kapinga kapena kukonza nyumba.
• Nyumba zambiri zosungira okalamba zimaperekanso zochitika zina zomwe zimalola anthu kulumikizana ndi ena ndikusungabe mabwenzi ndi zochitika zina.
• Kukhala ndi luso lolandila unamwino wofunikira komanso kukhala ndi ogwira ntchito ophunzitsidwa kuti athe kuwunika munthu kumatha kupereka chitonthozo kwa munthu ndi banja lake.

Zimawononga ndalama zingati kusamalira nyumba zosamalira okalamba?

Bungwe lazachuma Genworth linatsata mtengo wa chisamaliro m'malo osamalira anthu okalamba ndi nyumba zosamalira okalamba kuyambira 2004 mpaka 2019.

Adapeza kuti pafupifupi mtengo wa 2019 wachipinda chazinyumba yosungira anthu okalamba ndi $ 102,200 pachaka, zomwe zikuwonjezeka ndi 56.78% kuyambira 2004. Kusamalira malo okhalamo kumawononga $ 48,612 pachaka, kuchuluka kwa 68.79% kuchokera ku 2004.

Ntchito yosamalira okalamba ndiokwera mtengo - ndalamazi zimaphatikizapo kusamalira odwala omwe akudwala kwambiri, kusowa kwa ogwira ntchito, ndi malamulo akulu omwe amathandizira ndalama zonse zomwe zimakweza mitengo.

Ngati muli ndi wokondedwa wanu yemwe wafika zaka 65, nazi malangizo a momwe mungawathandizire kulembetsa:

• Mutha kuyamba ntchitoyi miyezi itatu wokondedwa wanu asanakwanitse zaka 65. Kuyamba molawirira kungakuthandizeni kuyankhidwa mafunso ndikuthetsa nkhawa.
• Lumikizanani ndi a Social Security Administration kwanuko kapena pezani malo poyendera tsamba lawo lovomerezeka.
• Pitani ku Medicare.gov kuti mudziwe zamankhwala omwe alipo.
• Lankhulani ndi anzanu ndi abale anu ena omwe mwina adakumana ndi zotere. Amatha kukupatsirani malangizo pazomwe aphunzira polembetsa ku Medicare ndikusankha mapulani owonjezera, ngati zingachitike.

Mfundo yofunika

Medicare Part A imatha kupereka chisamaliro chaubwino kumalo osamalira okalamba, kupatsa munthu kukwaniritsa zofunikira zake.

Ngati inu kapena wokondedwa wanu mukufuna kapena mukufunika kukhala m'nyumba yosungirako anthu okalamba kwa nthawi yayitali kuti mulandire chisamaliro ndi ntchito zina, mudzafunika kulipira kapena kugwiritsa ntchito ntchito monga inshuwaransi yanthawi yayitali kapena Medicaid .

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.