Kodi Chithandizo Cha Thupi Chophimbidwa Ndi Medicare?

Zamkati

• Kodi Medicare imakhudza liti chithandizo chamankhwala?
• Kuphunzira ndi zolipira
• Ndi mbali ziti za Medicare zomwe zimaphimba mankhwala?
• Gawo A
• Gawo B
• Gawo C
• Gawo D
• Kusinkhasinkha
• Kodi chithandizo chamankhwala chimalipira ndalama zingati?
• Kuwerengera ndalama zomwe muli nazo mthumba
• Ndi njira ziti za Medicare zomwe zingakhale zabwino kwambiri ngati mukudziwa kuti mukufuna chithandizo chamankhwala?
• Mfundo yofunika

Medicare ikhoza kuthandizira kulipira chithandizo chamankhwala (PT) chomwe chimawerengedwa kuti ndi chofunikira kuchipatala. Mukakumana ndi gawo B deductible, lomwe ndi $ 198 pa 2020, Medicare idzalipira 80% ya ndalama zanu za PT.

PT itha kukhala gawo lofunikira la chithandizo chamankhwala kapena kuchira pazikhalidwe zosiyanasiyana. Ikuyang'ana pakubwezeretsa magwiridwe antchito, kuthetsa ululu, komanso kulimbikitsa kuchuluka kwa kuyenda.

Othandizira athupi amagwirira ntchito limodzi nanu kuchitira kapena kuyang'anira zochitika zosiyanasiyana, kuphatikiza koma osati zokhazokha kuvulala kwaminyewa, mafupa, ndi matenda a Parkinson.

Pitilizani kuwerenga kuti mupeze magawo a Medicare omwe amatenga PT komanso liti.

Kodi Medicare imakhudza liti chithandizo chamankhwala?

Medicare Part B ikuthandizira kulipira PT wodwala yemwe ndizofunikira kuchipatala. Ntchito imawerengedwa kuti ndi yofunikira pamankhwala pakufunika kuti mupeze matenda kapena matenda. PT itha kuonedwa ngati yofunikira kuti:

• sinthani momwe muliri
• sungani momwe muliri pano
• pang'onopang'ono kuwonongeka kwa matenda anu

Kuti PT iphimbidwe, iyenera kukhala ndi ntchito zaluso kuchokera kwa akatswiri odziwa ntchito ngati othandizira. Mwachitsanzo, china chake monga kupereka zochitika zolimbitsa thupi sizingachitike ngati PT pansi pa Medicare.

Wothandizira thupi lanu ayenera kukupatsani chidziwitso asanakupatseni ntchito zilizonse zomwe sizingachitike mu Medicare. Mutha kusankha ngati mukufuna mautumikiwa.

Kuphunzira ndi zolipira

Mukakumana ndi gawo B deductible, lomwe ndi $ 198 la 2020, Medicare imalipira 80% ya ndalama zanu za PT. Mudzakhala ndi udindo wolipira 20% yotsalayo. Palibenso kapu pamitengo ya PT yomwe Medicare idzalipira.

Ndalama zanu zonse za PT zikadutsa malire, wodwalayo amafunika kutsimikizira kuti ntchito zomwe mumapereka zimakhalabe zofunikira kuchipatala. Kwa 2020, malowa ndi $ 2,080.

Wodwala wanu adzagwiritsa ntchito zolemba kuti asonyeze kuti chithandizo chanu ndi chofunikira kuchipatala. Izi zikuphatikiza kuwunika kwa momwe muliri komanso momwe mukuyendera komanso dongosolo lamankhwala ndi izi:

• matenda
• mtundu wa PT womwe mudzalandire
• zolinga zazitali za chithandizo chanu cha PT
• kuchuluka kwa magawo a PT omwe mudzalandire tsiku limodzi kapena sabata limodzi
• Chiwerengero chonse cha magawo a PT amafunikira

Ndalama zonse za PT zikadutsa $ 3,000, kuwunikiranso kwa zamankhwala kumachitika. Komabe, sizinthu zonse zomwe zimayesedwa.

Ndi mbali ziti za Medicare zomwe zimaphimba mankhwala?

Tiyeni tiwunikenso magawo osiyanasiyana a Medicare ndi momwe kufotokozera komwe kumaperekedwa kumakhudzana ndi PT.

Gawo A

Medicare Part A ndi inshuwaransi ya chipatala. Ikulemba zinthu monga:

• inpatient amakhala kuzipatala monga zipatala, malo azaumoyo, malo othandizira, kapena malo oyamwitsa aluso
• chisamaliro cha odwala
• chithandizo chamankhwala kunyumba

Gawo A likhoza kupereka chithandizo chamankhwala opatsirana mwachipatala ndi ma PT akawona ngati ofunikira azamankhwala kuti athetse vuto lanu mutagonekedwa mchipatala.

Gawo B

Medicare Part B ndi inshuwaransi yamankhwala. Ikufotokoza zamankhwala zofunika kuchipatala. Gawo B likhoza kufotokozeranso zina zodzitetezera.

Medicare Part B imafunikira PT yofunikira yamankhwala. Izi zimaphatikizapo kuzindikira komanso kuchiza mikhalidwe kapena matenda omwe amakhudza kuthekera kwanu kugwira ntchito.

Mutha kulandira chisamaliro chamtunduwu m'malo awa:

• maofesi azachipatala
• kuchitira patokha othandizira azakuthupi
• madipatimenti opitilira kuchipatala
• malo othandizira odwala
• malo oyamwitsa aluso (pamene Medicare Part A sigwira ntchito)
• kunyumba (kugwiritsa ntchito wothandizidwa ndi Medicare)

Gawo C

Mapulani a Medicare Part C amadziwikanso kuti mapulani a Medicare Advantage. Mosiyana ndi magawo A ndi B, amaperekedwa ndi makampani wamba omwe avomerezedwa ndi Medicare.

Ndondomeko ya Gawo C ikuphatikizira kufotokozedwa komwe kumaperekedwa ndi magawo A ndi B. Izi zikuphatikiza PT yofunikira pamankhwala. Ngati muli ndi gawo la Gawo C, muyenera kuwunika zambiri zokhudzana ndi malamulo amtundu uliwonse wamankhwala.

Ndondomeko ya Gawo C itha kuphatikizaponso ntchito zina zomwe sizinaphatikizidwe mgawo A ndi B, monga mano, masomphenya, komanso mankhwala opangira mankhwala (Gawo D). Zomwe zikuphatikizidwa mu gawo la Gawo C zimatha kusiyanasiyana.

Gawo D

Medicare Part D ndikulemba mankhwala. Zofanana ndi Gawo C, makampani azabizinesi omwe amavomerezedwa ndi Medicare amapereka magawo a Part D. Mankhwala omwe amaphimbidwa amasiyana malinga ndi dongosolo.

Mapulani a Part D saphimba PT. Komabe, ngati mankhwala akuchipatala ndi gawo la chithandizo chanu kapena kuchira, Gawo D lingawaphimbe.

Kusinkhasinkha

Medigap amatchedwanso Medicare othandizira inshuwaransi. Ndondomekozi zimagulitsidwa ndi makampani wamba ndipo zitha kulipira ndalama zina zomwe sizilipidwa ndi gawo A ndi B. Izi zitha kuphatikiza:

• kuchotsedwa
• zokopa
• chitsimikizo
• chithandizo chamankhwala mukamapita kunja kwa United States

Ngakhale kuti Medigap sangakwaniritse PT, mfundo zina zitha kuthandizira kubweza zolipira kapena zotulutsidwa.

Kodi chithandizo chamankhwala chimalipira ndalama zingati?

Mtengo wa PT umatha kusiyanasiyana ndipo zinthu zambiri zimatha kukhudza mtengo, kuphatikizapo:

• ndondomeko yanu ya inshuwaransi
• mtundu wa mautumiki a PT omwe mukufuna
• Kutalika kapena kuchuluka kwa magawo omwe akukhudzidwa ndi chithandizo chanu cha PT
• kuchuluka kwa omwe amakuthandizani
• malo anu
• mtundu wa malo omwe mukugwiritsa ntchito

Copay itha kukhalanso gawo lalikulu pamitengo ya PT. Nthawi zina, kutengera gawo limodzi kumatha kukhala. Ngati mukufuna kukhala ndi magawo ambiri a PT, ndalamazi zitha kuwonjezera mwachangu.

Kafukufuku wochokera ku 2019 adapeza kuti pafupifupi ndalama zomwe PT amagwiritsira ntchito kwa aliyense amatenga $ 1,488 pachaka. Izi zimasiyanasiyana pakudziwika, ndimatenda amitsempha komanso zochotsera m'malo ophatikizika zimakhala zazikulu pomwe ma genitourinary ndi ma vertigo anali otsika.

Kuwerengera ndalama zomwe muli nazo mthumba

Ngakhale simukudziwa kuti PT idzakulipirani ndalama zingati, ndizotheka kupeza lingaliro. Yesani kutsatira izi:

1. Lankhulani ndi othandizira anu kuti mudziwe momwe mankhwala anu angathere.
2. Funsani ndi inshuwaransi yanu kuti mudziwe kuchuluka kwa ndalamazi.
3. Yerekezerani manambala awiriwo kuti muwerengere ndalama zomwe muyenera kulipira muthumba. Kumbukirani kuphatikiza zinthu monga zopopera ndi zoperekedwa mukuyerekeza kwanu.

Ndi njira ziti za Medicare zomwe zingakhale zabwino kwambiri ngati mukudziwa kuti mukufuna chithandizo chamankhwala?

Gawo la Medicare A ndi B (choyambirira cha Medicare) limafotokoza PT yofunikira pamankhwala. Ngati mukudziwa kuti mufunika chithandizo chakuthupi chaka chamawa, kukhala ndi magawo awa kungakwaniritse zosowa zanu.

Ngati mukuda nkhawa ndi ndalama zowonjezera zomwe sizikukhudzidwa ndi gawo A ndi B, mungafune kuganizira zowonjezera dongosolo la Medigap. Izi zitha kuthandiza kulipira zinthu monga ma copays, omwe amatha kuwonjezera pa PT.

Mapulani a Gawo C akuphatikizira zomwe zidafotokozedwa mgawo A ndi B. Komabe, atha kutenganso ntchito zomwe sizikukhudzana ndi magawo amenewa. Ngati mungafune kufotokozedwa pamano, masomphenya, kapena mapulogalamu olimbitsa thupi kuphatikiza pa PT, ganizirani dongosolo la Gawo C.

Gawo D limaphatikizira kuphimba kwa mankhwala. Itha kuwonjezedwa m'magawo A ndi B ndipo imaphatikizidwa m'mapulani a Gawo C. Ngati mumamwa kale mankhwala akuchipatala kapena mukudziwa kuti atha kukhala gawo la mapulani anu, yang'anani mu gawo D.

Mfundo yofunika

Medicare Part B imafotokozera odwala akuchipatala PT pakafunika thandizo la zamankhwala. Zofunikira zamankhwala zikutanthauza kuti PT yomwe mukulandira ndiyofunika kuti muzindikire kapena kuti muzitha kuchiza matenda anu.

Palibe kapu pamitengo ya PT yomwe Medicare imalipira. Komabe, pambuyo poti wina wodwalayo adzafunika kutsimikizira kuti ntchito zomwe mumalandira ndizofunikira kuchipatala.

Madongosolo ena a Medicare, monga Gawo C ndi Medigap, amathanso kulipira ndalama zokhudzana ndi PT. Ngati mukuyang'ana chimodzi mwazimenezi, kumbukirani kufananiza mapulani angapo musanasankhe chimodzi popeza kufalitsa kumatha kusiyanasiyana ndi dongosolo.

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.