Kodi Medicare Amaphimba Othandizira Zaumoyo Panyumba?

Zamkati

• Kodi othandizira kunyumba ndi ati?
• Kodi Medicare imakhudza liti chisamaliro chanyumba?
• Kodi mitengo ya othandizira kunyumba ndi yotani?
• Ndi njira ziti za Medicare zomwe zingakhale zabwino kwa inu ngati mukudziwa kuti mukufuna chithandizo chamankhwala kunyumba?
• Gawo A
• Gawo B
• Gawo C
• Mapulani owonjezera a Medicare kapena Medigap
• Mfundo yofunika

Ntchito zantchito zanyumba zimalola kuti munthu akhalebe m'nyumba mwake akamalandira chithandizo chofunikira kapena chisamaliro chamwino. Medicare imafotokoza zina mwazithandizo zanyumba, kuphatikiza chithandizo chakuthupi ndi ntchito komanso chisamaliro chaumwino.

Komabe, Medicare siimagwira ntchito zonse zantchito zanyumba, monga chisamaliro cha usana ndi usiku, kubweretsa chakudya, kapena chisamaliro chakusunga - zambiri mwantchitozi zimakhala pansi pawo za othandizira kunyumba.

Pitirizani kuwerenga kuti mudziwe za ntchito zothandizidwa ndi Medicare, ndi momwe othandizira azaumoyo wanyumba angathere kapena sangagwere m'gululi.

Kodi othandizira kunyumba ndi ati?

Othandizira azaumoyo kunyumba ndi akatswiri azaumoyo omwe amathandiza anthu m'nyumba zawo akakhala olumala, ali ndi matenda osachiritsika, kapena akafuna thandizo lina.

Aides atha kuthandiza pazinthu zatsiku ndi tsiku, monga kusamba, kuvala, kupita kubafa, kapena zina zapakhomo. Kwa iwo omwe amafunikira thandizo kunyumba, othandizira azaumoyo wanyumba atha kukhala othandiza kwambiri.

Komabe, ndi osiyana ndi ntchito zina zanyumba, zomwe zitha kuphatikizira anamwino azachipatala kunyumba, othandizira olimbitsa thupi, komanso othandizira pantchito omwe amapereka chisamaliro chazachipatala komanso luso lomwe limafunikira maphunziro apadera komanso ziphaso.

Malinga ndi US Bureau of Labor Statistics, mulingo wophunzitsira wothandizira azaumoyo wanyumba ndi dipuloma ya sekondale kapena yofanana.

Anthu ena atha kugwiritsa ntchito mawu oti "wothandizira zaumoyo wanyumba" pofotokoza ntchito zonse zomwe zimapereka chisamaliro kunyumba, koma wothandizira wathanzi kunyumba ndiwosiyana kwenikweni ndi namwino wapanyumba kapena wothandizira.

Kusiyanaku ndikofunikira pankhani yakumvetsetsa zomwe Medicare ingafune ndipo sizingaphimbe pankhani yosamalira kunyumba. Medicare salipira ntchito zambiri zomwe zimakhala pansi pa othandizira othandizira azaumoyo. Izi zikuphatikiza:

• chisamaliro cha nthawi ndi nthawi
• kubweretsa chakudya kunyumba kapena kuthandizira pakudya
• ntchito zokonza nyumba, monga kuchapa zovala, kuyeretsa, kapena kugula zinthu
• chisamaliro chaumwini, monga kuthandiza kusamba, kuvala, kapena kuchimbudzi

Ngati chisamaliro chaumwini kuchokera kwa wothandizira azaumoyo wanyumba ndicho chisamaliro chokha chomwe mukusowa, Medicare nthawi zambiri sichiphimba izi. Amapereka chithandizo chamankhwala kunyumba.

Kodi Medicare imakhudza liti chisamaliro chanyumba?

Medicare Part A (ntchito zakuchipatala) ndi Medicare Part B (ntchito zamankhwala) zimafotokoza zina mwazazaumoyo wanyumba.

Mwakutero, thanzi lakunyumba limatha kukulitsa chisamaliro chanu ndikupewa kulowanso kuchipatala. Pali zinthu zingapo zomwe zingakuthandizeni kuti mudzalandire chithandizo chamankhwala kunyumba:

• Muyenera kukhala pansi pa chisamaliro cha dokotala yemwe wakulemberani dongosolo lomwe limakhudza chisamaliro chanyumba. Dokotala wanu amayenera kuwunikanso dongosololi pafupipafupi kuti awonetsetse kuti likukuthandizanibe.
• Dokotala wanu ayenera kutsimikizira kuti mukusowa unamwino waluso komanso ntchito zamankhwala. Kuti musowe chisamaliro ichi, dokotala ayenera kusankha kuti matenda anu azikulirakulira kapena kupitiliza kulandira chithandizo chamankhwala kunyumba.
• Dokotala wanu ayenera kutsimikizira kuti mukupita kunyumba. Izi zikutanthauza kuti ndizovuta kapena zovuta zamankhwala kuti mutuluke kunyumba kwanu.

Mukakwaniritsa zofunikirazi, Medicare magawo A ndi B atha kulipira ndalama zothandizira kunyumba, kuphatikizapo:

• chisamaliro chamwino chanthawi yochepa, chomwe chingaphatikizepo chisamaliro cha zilonda, chisamaliro cha catheter, kuwunika zizindikilo zofunika, kapena mankhwala amitsempha (monga maantibayotiki)
• chithandizo pantchito
• chithandizo chamankhwala
• chithandizo chamankhwala
• matenda olankhula

Malinga ndi Medicare.gov, Medicare imalipira "chithandizo chanthawi yayitali kapena chapakatikati chazithandizo zanyumba." Izi ndizosokoneza.

Zimatanthawuza kuti wogwira ntchito zazaumoyo wapanyumba atha kupereka chithandizo chaumwini chomwe wothandizira wathanzi amapereka. Kusiyana kwake ndikuti, pakubweza, muyenera kukhala kuti mukupezanso ntchito zaunamwino waluso.

Kodi mitengo ya othandizira kunyumba ndi yotani?

Ngati dokotala watenga njira zokuthandizani kuti muyenerere kulandira chithandizo chamankhwala kunyumba, atha kukuthandizani kulumikizana ndi bungwe lazachipatala kunyumba.

Mabungwewa akuyenera kukufotokozerani zomwe Medicare amachita ndipo sizikuphimba kudzera mu Zidziwitso za Opindula. Momwemo, izi zimathandiza kuchepetsa ndalama zomwe mumadabwa nazo.

Medicare ikavomereza chithandizo chanyumba yanu, simulipira chilichonse chazithandizo zanyumba, ngakhale mutakhala ndi gawo la 20% ya ndalama zovomerezeka ndi Medicare pazida zolimbitsa thupi (DME), zomwe zingaphatikizepo chithandizo chamankhwala, zoperekera zilonda , ndi zida zothandizira.

Nthawi zambiri pamakhala malire azaka 21 za kutalika kwakanthawi komwe mungalandire ntchito zaulere. Komabe, dokotala wanu atha kukulitsa malire awa ngati atha kuwerengera nthawi yomwe kufunikira kwanu kwakuthandizira azaumoyo wanyumba kutha.

Ndi njira ziti za Medicare zomwe zingakhale zabwino kwa inu ngati mukudziwa kuti mukufuna chithandizo chamankhwala kunyumba?

Medicare imagawana ntchito zake m'magulu osiyanasiyana, kuphatikiza mbali za Medicare A, B, C (Medicare Advantage), ndi D (kufalitsa mankhwala).

Gawo A

Medicare Part A ndiye gawo lomwe limapereka chithandizo kuchipatala. Medicare Part A ndi yaulere kwa anthu ambiri pomwe iwo kapena anzawo amagwirira ntchito malo osachepera 40 kulipira misonkho ya Medicare.

Ngakhale gawo A ndi "chophimba kuchipatala," limakhudzabe ntchito zantchito zantchito zapakhomo chifukwa zitha kukhala kupitiliza kwa chisamaliro chomwe mumalandira kuchipatala ndikofunikira kuti muchiritse.

Gawo B

Medicare Part B ndiye gawo lomwe limakhudza ntchito zamankhwala. Aliyense mu Gawo B amalipira inshuwaransi, ndipo anthu ena amalipira zochuluka kutengera zomwe amapeza. Gawo B limalipira zina mwazithandizo zanyumba, kuphatikiza zida zamankhwala.

Gawo C

Medicare Part C imadziwikanso kuti Medicare Advantage. Ndizosiyana ndi Medicare yachikhalidwe chifukwa imaphatikiza magawo A, B, nthawi zina D (kuphimbidwa ndi mankhwala), ndipo nthawi zina ntchito zowonjezera, kutengera dongosolo lanu.

Zitsanzo za Mapulani a Medicare Advantage akuphatikiza bungwe lokonza zaumoyo (HMO) kapena bungwe lomwe limakonda (PPO). Ngati muli ndi mitundu iyi, mungafunikire kupeza chithandizo chamankhwala kunyumba kwanu kuchokera ku bungwe lomwe mapulani anu amagwirizana nawo.

Madongosolo ena a Medicare Advantage amaperekanso kufotokozeranso zaumoyo wanyumba, ndipo izi ziyenera kuphatikizidwa pofotokozera zaubwino.

Mapulani owonjezera a Medicare kapena Medigap

Ngati muli ndi Medicare yoyambirira (magawo A ndi B, osati Medicare Advantage), mutha kugula dongosolo lowonjezera la Medicare, lotchedwanso Medigap.

Madongosolo ena a Medigap amalipira ndalama zothandizidwa ndi Gawo B, zomwe zingakuthandizeni kulipira chithandizo chamankhwala kunyumba. Komabe, mapulaniwa samapereka chithandizo chowonjezera chazithandizo zanyumba.

Anthu ena amasankha kugula inshuwaransi yapadera yosamalira nthawi yayitali, yomwe siili mbali ya Medicare. Ndondomekozi zitha kuthandiza kuthandizira chithandizo chamankhwala chanyumba chochulukirapo komanso kwanthawi yayitali kuposa Medicare. Komabe, ndalamazi zimasiyanasiyana ndipo zimaimira ndalama zowonjezera kwa achikulire.

Mfundo yofunika

Medicare salipira chithandizo chazithandizo zapakhomo pakalibe dzina lakusamalira akatswiri. Ngati dokotala wanena kuti mukufuna chisamaliro chaumisiri, mutha kulandira chithandizo chaumwini mukalandira chithandizo chaukadaulo.

Njira yabwino ndikulumikizana ndi adotolo komanso omwe akuyembekezere zaumoyo kunyumba kuti mumvetsetse zomwe mtengo wake ulipo ndipo sanalipiridwe komanso kwa nthawi yayitali bwanji.

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.