Kodi Medicare Imalipira Moyo Wothandizidwa?

Zamkati

• Kodi Medicare imakhudza liti moyo wothandizidwa?
• Ndi mbali ziti za Medicare zomwe zimaphimba chisamaliro chamoyo?
• Medicare Gawo A
• Medicare Gawo B
• Medicare Gawo C
• Gawo la Medicare D.
• Kusinkhasinkha
• Ndi njira ziti za Medicare zomwe zingakhale zabwino ngati mukudziwa inu kapena wokondedwa wanu angafunike chisamaliro chothandizidwa mu 2020?
• Ganizirani za zosowa zaumoyo
• Kodi chithandizo chothandizidwa ndi chiyani?
• Kodi zothandizira kusamalira amoyo zimawononga ndalama zingati?
• Mfundo yofunika

Pamene tikukula, tingafunikire kuthandizidwa pazomwe timachita tsiku ndi tsiku. Pazochitikazi, moyo wothandizidwa ungakhale mwayi.

Moyo wothandizidwa ndi mtundu wa chisamaliro cha nthawi yayitali chomwe chimathandiza kuwunika thanzi lanu ndikuthandizira pazochitika za tsiku ndi tsiku pomwe mukupitiliza kudziyimira pawokha.

Medicare sikuti imakhudza chisamaliro cha nthawi yayitali ngati moyo wothandizidwa.

Pitirizani kuwerenga pamene tikukambirana za Medicare, moyo wothandizidwa, ndi njira zomwe mungathandizire kulipirira zina mwazithandizozi.

Kodi Medicare imakhudza liti moyo wothandizidwa?

Medicare imangolipira chisamaliro cha nthawi yayitali ngati mukufuna maubwino oyamwitsa kuti muthandizidwe pamoyo watsiku ndi tsiku ndikusowa chithandizo chantchito, chisamaliro cha zilonda, kapena chithandizo chamankhwala, chomwe chimapezeka m'nyumba yosungira anthu okalamba, kutsatira chipatala. Kukhazikika m'malo awa nthawi zambiri kumangophimbidwa kwa kanthawi kochepa (mpaka masiku 100).

Malo okhala othandizira ndiosiyana ndi malo oyamwitsa aluso. Anthu omwe amakhala mothandizidwa nthawi zambiri amakhala odziyimira pawokha kuposa omwe amakhala m'nyumba zosungira anthu okalamba koma amayang'aniridwa kwa maola 24 ndikuthandizidwa ndi zinthu monga kuvala kapena kusamba.

Chisamaliro cha mtundu uwu sichimatchedwa kusamalira. Medicare sikuphimba chisamaliro chosamalira. Komabe, ngati mukukhala pamalo othandizira, pakhoza kukhala zinthu zina zomwe Medicare idzakambirane, kuphatikizapo:

• zina zofunika kapena zodzitetezera kuchipatala kapena ntchito zokhudzana ndiumoyo
• mankhwala anu akuchipatala
• mapulogalamu azaumoyo kapena olimba
• mayendedwe kupita kukaonana ndi dokotala

Ndi mbali ziti za Medicare zomwe zimaphimba chisamaliro chamoyo?

Tiyeni tifufuze pang'ono za magawo amtundu wa Medicare omwe angakhudze ntchito zomwe zingagwirizane ndi kukhalabe kwanu kothandizidwa.

Medicare Gawo A

Gawo A ndi inshuwaransi ya chipatala. Ikufotokoza mitundu iyi ya chisamaliro:

• kugona kuchipatala
• inpatient amakhala kuchipatala
• malo oyamwitsa aluso amakhala
• chisamaliro cha odwala
• chithandizo chamankhwala kunyumba

Gawo A silikunena za ntchito zosamalira omwe akukhudzidwa ndi moyo wothandizidwa.

Medicare Gawo B

Gawo B ndi inshuwaransi yamankhwala. Ikufotokoza:

• chisamaliro cha kuchipatala
• chisamaliro chofunikira chamankhwala
• chisamaliro choteteza

Ngakhale mautumikiwa sangaperekedwe m'malo okhalamo, mudzafunikirabe kuwagwiritsa ntchito. M'malo mwake, malo ena okhala mothandizidwa amatha kuthandiza kuyang'anira ntchito zamankhwala ndi omwe amakuthandizani.

Zitsanzo za zinthu zomwe zakonzedwa ndi Gawo B ndi izi:

• mayeso ena a labotale
• katemera, monga aja a chimfine ndi hepatitis B
• Kuwonetsa matenda amtima
• chithandizo chamankhwala
• Kuwonetsedwa kwa khansa, monga mawere, khomo lachiberekero, kapena khansa yoyipa
• ntchito za dialysis ya impso ndi zina
• Zipangizo za shuga ndi zina
• chemotherapy

Medicare Gawo C

Mapulani a Part C amatchedwanso mapindu a Advantage. Amaperekedwa ndi makampani a inshuwaransi apadera omwe avomerezedwa ndi Medicare.

Ndondomeko ya Gawo C imaphatikizapo maubwino omwe amapezeka mgawo A ndi B ndipo nthawi zina amafotokozera zina zowonjezera, monga masomphenya, kumva, ndi mano. Mtengo ndi kuphimba kumasiyana pamalingaliro amunthu payekha.

Monga Original Medicare (gawo A ndi B), mapulani a Gawo C samakhudza moyo wothandizidwa. Komabe, atha kulumikizabe ntchito zina ngati mumakhala m'malo omwe simukuwaphatikizira, monga mayendedwe ndi kulimbitsa thupi kapena ntchito zaumoyo.

Gawo la Medicare D.

Gawo D ndikufotokozera zamankhwala. Monga Gawo C, makampani a inshuwaransi achinsinsi amapereka mapulaniwa. Kuphatikiza ndi mtengo kumasiyana pamalingaliro amunthu payekha.

Medicare Part D ikukonzekera mankhwala ovomerezeka ngakhale mutakhala kuti. Ngati mukukhala m'malo omwe mumathandizidwa ndipo mukumwa mankhwala omwe adatchulidwa, Gawo D liziwaphimba.

Kusinkhasinkha

Muthanso kuwona Medigap yotchedwa inshuwaransi yowonjezera. Medigap imathandizira kuphimba zinthu zomwe Original Medicare satero. Komabe, Medigap kawirikawiri sikutanthauza chisamaliro cha nthawi yayitali, monga kuthandizidwa kukhala ndi moyo.

Ndi njira ziti za Medicare zomwe zingakhale zabwino ngati mukudziwa inu kapena wokondedwa wanu angafunike chisamaliro chothandizidwa mu 2020?

Chifukwa chake, mungatani ngati inu kapena wokondedwa wanu angafunike chisamaliro chamoyo chaka chamawa? Pali zina zomwe mungachite kuti muthandize kusankha zoyenera kuchita.

Ganizirani za zosowa zaumoyo

Ngakhale Medicare sikuphimba moyo wothandizidwa wokha, mudzafunikirabe chithandizo chamankhwala ndi ntchito. Onetsetsani kuti mwawunikanso zomwe mungasankhe pansi pa Medicare musanasankhe pulani.

Kumbukirani kuti mapulani a Part C (Advantage) atha kukupatsirani zowonjezera, monga masomphenya, mano, ndi kumva. Zitha kuphatikizanso maubwino ena, monga ziwalo zolimbitsa thupi komanso mayendedwe kupita kukaonana ndi dokotala.

Ngati mukudziwa kuti mufunika kuphimbidwa ndi mankhwala, sankhani dongosolo la Gawo D. Nthawi zambiri, Gawo D limaphatikizidwa ndi mapulani a Gawo C.

Popeza ndalama zomwe zimafotokozedwa ndikufotokozedwa m'magawo C ndi D zitha kukhala zosiyana ndi mapulani, ndikofunikira kufananiza mapulani angapo musanasankhe chimodzi. Izi zitha kuchitika patsamba la Medicare.

Medicare sikuphimba moyo wothandizidwa, chifukwa chake muyenera kudziwa momwe mudzalipire. Pali njira zingapo zomwe mungachite:

• Kuchokera mthumba. Mukasankha kulipira m'thumba, mudzalipira ndalama zonse zothandizidwa posamalira nokha.
• Mankhwala. Ili ndi pulogalamu yolumikizana yaboma ndi boma yomwe imapereka chithandizo chaulere kwaulere kapena chotsika mtengo kwa anthu oyenerera. Mapulogalamu ndi zofunikira pazikhalidwe zitha kusiyanasiyana malinga ndi mayiko. Dziwani zambiri pochezera tsamba la Medicaid.
• Inshuwaransi yanthawi yayitali. Uwu ndi mtundu wa inshuwaransi yomwe imakhudza makamaka chisamaliro cha nthawi yayitali, kuphatikiza chisamaliro chakusunga.

Kodi chithandizo chothandizidwa ndi chiyani?

Moyo wothandizidwa ndi mtundu wa chisamaliro cha nthawi yayitali kwa anthu omwe amafuna thandizo pazantchito zawo za tsiku ndi tsiku koma safuna thandizo lochuluka kapena chithandizo chamankhwala monga zomwe zimaperekedwa kumalo osamalira anthu okalamba (nyumba yosamalira okalamba).

Malo okhala mothandizidwa amatha kupezeka ngati malo okhala okha kapena ngati gawo la nyumba yosungira anthu okalamba kapena malo opumira pantchito. Nzika nthawi zambiri zimakhala m'nyumba zawo kapena zipinda zawo ndipo zimakhala ndi malo osiyanasiyana wamba.

Moyo wothandizidwa uli ngati mlatho pakati pokhala pakhomo ndikukhala m'nyumba yosamalira okalamba. Amayang'ana kuphatikiza nyumba, kuwunika zaumoyo, ndi kuthandizidwa ndi chisamaliro chaumwini, pomwe nzika zimakhala ndi ufulu wambiri momwe zingathere.

Ntchito zoperekedwa kumalo okhala anthu nthawi zambiri zimaphatikizapo zinthu monga:

• Kuyang'anira ndi kuwunikira maola 24
• kuthandizidwa ndi zochitika za tsiku ndi tsiku, monga kuvala, kusamba, kapena kudya
• chakudya choperekedwa pagulu lodyera limodzi
• makonzedwe azachipatala kapena azaumoyo okhalamo
• kasamalidwe ka mankhwala kapena zikumbutso
• ntchito zosesa m'nyumba ndi zochapa zovala
• zosangalatsa ndi thanzi
• kayendedwe ka mayendedwe

Kodi zothandizira kusamalira amoyo zimawononga ndalama zingati?

Akuyerekeza kuti mtengo wapakatikati wapakatikati wothandizidwa ndi. Mtengo ukhoza kukhala wapamwamba kapena wotsika kuposa uwu. Itha kudalira pazinthu zosiyanasiyana, kuphatikiza:

• malo a malowa
• malo osankhidwa
• mulingo wautumiki kapena kuyang'anira komwe kumafunikira

Popeza Medicare sikuphimba moyo wothandizidwa, ndalamazo nthawi zambiri zimalipidwa mthumba, kudzera mu Medicaid, kapena kudzera mu inshuwaransi ya chisamaliro cha nthawi yayitali.

Ngati wokondedwa akulembetsa ku Medicare chaka chamawa, tsatirani malangizo awa asanu owathandiza kulembetsa:

• Lowani. Anthu omwe sanatengere phindu la Social Security adzafunika kulembetsa.
• Dziwani za kulembetsa poyera. Izi zikuchokera pa Okutobala 15 mpaka Disembala 7 chaka chilichonse. Wokondedwa wanu amatha kulembetsa kapena kusintha mapulani awo munthawi imeneyi.
• Kambiranani zosowa zawo. Zaumoyo wa aliyense ndi zosowa zamankhwala ndizosiyana. Khalani ndi zokambirana ndi wokondedwa wanu za zosowazi musanapange dongosolo.
• Yerekezerani. Ngati wokondedwa wanu akuyang'ana ku Medicare magawo C kapena D, yerekezerani mapulani angapo omwe amaperekedwa mdera lawo. Izi zitha kuwathandiza kupeza maubwino omwe amakwaniritsa zosowa zawo zamankhwala komanso zachuma.
• Perekani zambiri. Social Security Administration ingapemphe kuti mupereke chidziwitso chokhudza ubale wanu ndi wokondedwa wanu. Kuphatikiza apo, wokondedwa wanu ayenera kusaina fomu ya Medicare iwowo.

Mfundo yofunika

Kukhala mothandizidwa ndi gawo limodzi pakati pokhala kunyumba ndikukhala m'nyumba yosamalira okalamba. Imaphatikiza kuwunika kwachipatala ndikuthandizira pazochitika za tsiku ndi tsiku ndikupereka ufulu wambiri momwe zingathere.

Medicare sikuphimba moyo wothandizidwa. Komabe, ndikofunikira kukumbukira kuti Medicare itha kupitilirabe ntchito zina zamankhwala zomwe mungafune, monga chithandizo chamankhwala akunja, mankhwala akuchipatala, ndi zinthu monga mano ndi masomphenya.

Mtengo wa moyo wothandizirana umasiyana malinga ndi komwe muli komanso kuchuluka kwa chisamaliro chomwe mukufuna. Kusamalidwa kothandizidwa nthawi zambiri kumalipira mthumba, kudzera ku Medicaid, kapena kudzera mu inshuwaransi yayitali yothandizira.

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.

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