Kodi Medicare Ingalipire Mpando Wokweza?

Zamkati

• Kodi Medicare imaphimba mipando yokweza?
• Kodi ndine woyenera kulandira maubwino awa?
• Mtengo ndi kubwezera
• Mtengo wa Medicare Part B
• Madokotala ndi omwe amapereka ma Medicare
• Momwe kubwezera ndalama kumagwirira ntchito
• Zina zofunikira
• Kodi mpando wonyamula ndi chiyani kwenikweni?
• Kutenga

• Kwezani mipando imakuthandizani kuti mupite pamalo omwe mwakhala mukuyimirira mosavuta.
• Medicare ikuthandizani kulipira zina mwa zinthu mukamagula mpando wonyamula.
• Dokotala wanu ayenera kukupatsani mpando wonyamula ndipo muyenera kuwagula kuchokera kwa omwe amavomerezedwa ndi Medicare kuti awonetsetse.

Medicare idzalipira zina mwazinthu zofunikira pazachipatala, kuphatikiza mpando wonyamula. Iyi ndi mipando yapadera yomwe imakuthandizani kukweza kuchoka pamalo okhala ndikukhala pamalo oyimirira. Zitha kukhala zothandiza kwambiri mukakhala ndi zovuta kuyenda komanso kuvutika kuyimirira pomwe mwakhala.

Munkhaniyi, tiyankha mafunso anu okhudzana ndi kuphimba kwa Medicare pamipando yonyamula komanso momwe mungatsimikizire kuti mwabwezeredwa ndalama zonse zomwe mwagula.

Kodi Medicare imaphimba mipando yokweza?

Medicare imapereka chithunzithunzi cha mipando yonyamula, bola dokotala atakufunsani chifukwa chazachipatala. Komabe, Medicare siyimalipira zonse pampando. Makina okwezera njinga yamoto amaonedwa kuti ndi zida zachipatala zolimba (DME), zomwe zimaphimbidwa ndi Gawo B. Mbali zina za mpando (chimango, zokutira, zokutira) sizikutidwa ndipo mudzalipira m'thumba gawo ili la mpando mtengo.

Kuti akwaniritse njira yobwezera ya Medicare, DME iyenera kukwaniritsa izi:

• cholimba (mutha kuchigwiritsa ntchito mobwerezabwereza)
• zofunikira pachipatala
• ntchito m'nyumba
• Nthawi zambiri amakhala osachepera zaka zitatu
• Nthawi zambiri amathandiza munthu amene akudwala kapena kuvulala

Zitsanzo zina za DME zimaphatikizapo ndodo, mipando yoyenda, ndi oyenda.

Gawo la mpando wa mpando wonyamulirayo silimawerengedwa kuti ndiofunika kuchipatala, ndichifukwa chake silikuphimbidwa.

Kodi ndine woyenera kulandira maubwino awa?

Mukuyenera kulandira mpando wonyamula ngati mwalembetsa ku Medicare Part B. Kuti muyenerere Medicare, muyenera kukhala osachepera zaka 65 kapena kukhala ndi matenda ena oyenerera. Izi zitha kuphatikizira kulumala kwakukulu, matenda am'magazi, kapena ALS (amyotrophic lateral sclerosis).

Ngati muli ndi Medicare Advantage, mukuyenerabe kulandira mpando wonyamula. Medicare Advantage kapena Medicare Part C ndipamene mumasankha kampani yabizinesi ya inshuwaransi kuti mupeze phindu lanu la Medicare. Chifukwa makampani a Medicare Advantage akuyenera kufotokoza zonse zomwe Medicare yoyambirira imachita, muyenera kupeza chiphaso chofanana, ngati sichopindulitsa.

Muyeneranso kukayezetsa ndi dokotala kuti mupeze mankhwala oyimira mpando. Izi ndi zina mwazomwe dokotala angayese akawona ngati mpando wonyamula uli wofunikira kuchipatala:

• ngati muli ndi nyamakazi yayikulu m'mabondo kapena m'chiuno mwanu
• kuthekera kwanu kuyendetsa mpando
• kuthekera kwanu kuyimirira pampando popanda thandizo
• kutha kuyenda, ngakhale mothandizidwa ndi woyenda, mpando utakunyamulani (ngati mumadalira njinga yamoto yendau kapena woyenda pazomwe mungayende, izi zingakupangitseni kukhala osayenerera)
• mutha kuyenda mukayimirira
• mwayesapo mankhwala ena (monga chithandizo chakuthupi) kukuthandizani kuti musangokhala pansi osayimirira

Ngati ndinu wodwala kuchipatala kapena wokhala kumalo osungirako anthu okalamba, simukuyenera kulandira mpando wonyamula. Muyenera kukhala m'nyumba yokhalamo anthu kuti mupeze mwayiwu.

Mtengo ndi kubwezera

Mtengo wa Medicare Part B

Medicare Part B ndiye gawo la Medicare lomwe limalipira njira yokwezera mpando wonyamula. Ndi Gawo B, muyenera koyamba kukumana ndi deductible yanu, yomwe ndi $ 198 mu 2020. Mukakumana ndi deductible, mudzalipira 20% ya ndalama zovomerezeka ndi Medicare pamakina okweza. Mulipiranso 100% ya zotsalira za mpando.

Madokotala ndi omwe amapereka ma Medicare

Medicare imangolipira mpando wonyamula ngati dokotala yemwe amamuuza kuti ndi Medicare. Medicare imafunanso kuti woperekayo alembetsedwe ku Medicare. Mukasaka mipando yonyamula, ndikofunikira kufunsa kampaniyo ngati adalembetsa ku Medicare ndikuvomera ntchito. Ngati kampani yampando satenga nawo mbali ku Medicare, mutha kulipidwa ndalama zoposa zomwe amalandira Medicare ndipo zidzakhala kwa inu kuti muthe kusiyanako.

Momwe kubwezera ndalama kumagwirira ntchito

Ngati mutagula mpando wanu wonyamula kuchokera kwa wogulitsa Medicare, mudzalipira mtengo wonse wa mpando patsogolo pake kenako mutha kufunsa kubweza pang'ono kuchokera ku Medicare. Malingana ngati wogulitsayo akutenga nawo mbali ku Medicare, nthawi zambiri amakupatsirani milandu. Ngati, pazifukwa zilizonse, wogulitsayo sapereka pempholi, mutha kulemba fomu yapaintaneti. Kuti mupereke pempholi, mufunika zinthu izi:

• fomu yofunsira
• ngongole yolembedwa
• kalata yofotokoza chifukwa chomwe mwapereka pempholi
• zikalata zothandizira zokhudzana ndi zomwe akunenazo, monga chilolezo cha dokotala wanu

Wogulitsayo kapena muyenera kulembetsa pempholi mkati mwa miyezi 12 mutagula mpando wonyamula.

Zina zofunikira

Makampani ena amathanso kukulolani kubwereka mpando wonyamula. Izi zingakhudze ndalama zanu pansi pa Medicare. Poterepa, ndibwino kufunsa kampani yomwe mukubwereka kuti ikufotokozereni zolipira zanu pamwezi pansi pa Medicare.

Ngati muli ndi ndondomeko ya Medigap (yomwe imadziwikanso kuti Medicare supplement inshuwaransi), lamuloli lingakuthandizeni kulipira ndalama zolipirira pampando. Fufuzani ndi dongosolo lanu kuti mudziwe zambiri.

Kodi mpando wonyamula ndi chiyani kwenikweni?

Mpando wonyamula umamuthandiza munthu kuchoka pampando kupita poyimirira. Mpando nthawi zambiri umawoneka ngati mpando wopendekera, koma umatha kukwera kapena kukweza pamtunda ukakankha batani.

Nthawi zina, mipando yokweza imakhala ndi zina zowonjezera, monga kutentha kapena kutikita. Mipando ina imatha kusandulika kukhala malo athyathyathya, zomwe zingakupangitseninso kugona pampando.

Ndi zina zambiri zowonjezera kapena zida zakukweza zomwe zilipo, mitengo yamipando yakukweza ndiyosinthasintha kwambiri. Mipando yambiri imakhala kuyambira madola mazana angapo mpaka madola chikwi.

Ndikofunika kuzindikira kuti mpando wonyamula siwofanana ndi kukweza masitepe, womwe ndi mpando womwe umakutengani kuchokera pansi mpaka pamwamba pa masitepe podina batani. Komanso sikumunyamula wodwala, komwe kumathandiza osamalira kukusunthirani kuchoka pa njinga ya olumala kupita pabedi kapena mosemphanitsa.

Kutenga

• Medicare amawona mpando wonyamula ngati zida zolimba zachipatala (DME) ndipo amalipira zina mwazomwe zimafunikira pampando.
• Muyenera kukhala ndi chilolezo cha dokotala pampando ndi kugula kuchokera kwa wogulitsa wovomerezeka ndi Medicare.
• Mulipira ndalama zonse zampando panthawi yogula, kenako Medicare idzakubwezerani 80% ya mtengo wovomerezeka wa gawo lokweza yamagalimoto pampando; mudzalipira 100% ya mtengo wotsalira mpando wonsewo.