Zomwe Mungapereke Kuti Mupeze Chithandizo cha Anamwino Odziwa Ntchito (Zosamalira Nthawi Zakale)
Ngakhale kuti odwala amamwino (omwe amatchedwanso nyumba za okalamba, malo ochiritsa odwala, kapena malo osamalirira a nthawi yaitali) ndi okwera mtengo, nthawi zambiri amakhala otsika mtengo kuposa kugwira ntchito yosamalira maola 24 kunyumba. Maofesiwa akhoza kupereka chisamaliro kwa nthawi yaitali, koma ambiri amaperekanso kukonzanso kwa nthawi yayitali ndi cholinga chobwerera kunyumba. Ngati inu kapena wokondedwa wanu mungafunikire kusamalidwa ku nyumba yosungirako anthu okalamba, zimapindulitsa kudziwa zomwe mungasankhe poyambirira.
Zosankha zopezera nyumba yosungirako okalamba (chithandizo cha anamwino) ndizo zotsatirazi:
1) Medicare
Medicare ndi phindu la federal limene lidzalipira mtengo wa masiku angapo a chidziwitso cha odwala matenda opatsirana pogonana pa malo osungirako anzeru. Izi nthawi zambiri zimatchedwa "sub-acute rehab" kapena "kusamalidwa mwachidule." Anthu ambiri amakumana ndi vuto lokhalitsa , lopweteka kwambiri chifukwa cha kupweteka kwa m'chiuno , kupweteka, kapena chikhalidwe cha mtima, ngakhale pali zifukwa zambiri zomwe munthu angafunikire kuthupi, ntchito, kapena kulankhula, ndipo potero amatha kufotokozera.
Kuti muyenerere Medicare, muyenera kukhala ndi zaka zoposa 65, muli ndi zolephereka zolembedwa, kapena muli ndi matenda otchedwa renal disease.
Ngati mukuyenerera, Medicare imapereka chithandizo chabwino cha nyumba zaukhondo, koma ndizofunika kudziwa kuti kufotokozera ndi kanthawi kochepa ndipo kumapezeka pokhapokha. Medicare salipira nthawi zonse kuti azisamalira odwala omwe ali ndi luso.
Mmene Mungapezere Mankhwala Opatsirana
Phindu la ndalama la Medicare si chinthu chomwe muyenera kuikapo kapena kuyika chigamulo chomwe chikufotokozera zosowa zanu. Inu mumangokhalira kulandira mapinduwa ngati muli ndi Medicare Part A ndi Medicare Part B kulengeza. Kawirikawiri, ngati mutalandira chithandizo cha Social Security kapena Railroad Retirement Board phindu, nthawi zambiri mumakhala pansi pa Medicare Part A ndi Part B.
Kodi Mungagwiritse Ntchito Ndalama Ziti?
Medicare idzaphimba mlingo wa tsiku ndi tsiku kuti mupeze mankhwala opatsirana opaleshoni , mankhwala othandizira , ndi / kapena mankhwala othandizira . Medicare imatulutsanso mankhwala, mankhwala, ndi mankhwala pa nthawi ino.
Kodi Ndizifukwa Zotani Momwe Matenda Adzalipiririra Chisamaliro Chino?
Muyenera kukwaniritsa zochitika izi:
Kusamalira Chipatala cha Masiku atatu
Mukuyenera kukhala ndi chipatala cha masiku atatu chomwe chinkaonedwa ngati "wodwala" kukhala ndi chipatala. Izi zikutanthawuza kuti ngati mutangokhala ngati "wotsogola" wodwala, Medicare sichikuphimba ntchito za chidziwitso chothandizira anthu odwala.
Kuonjezera apo, ngati chipatala chanu chimaikidwa ngati odwala matenda opatsirana koma muli oposa awiri (nthawi yomwe amagwiritsira ntchito tsiku lina), Medicare sichisungirako chiwerewere.
Muyenera kufunsa kuchipatala ngati mutakhala kuti mukukhala odwala kapena owonetsetsa, komanso kutsimikizirani kuti mwakumana ndi zofunikira zokhudzana ndi masiku atatu kuti muthe kupeza thandizo la Medicare chifukwa chokonzekera kuchipatala.
Zimafunika Nthawi
Ngati mwakumana ndi masiku atatuwo kuti mukhalebe kuchipatala, mutha kugwiritsa ntchito Medicare phindu pokhapokha mutatha kuchipatala mwa kutumiza kwa eni ake ogwira ntchito yothandizira odwala.
Komabe, mutha kupezanso Medicare iyi kupindula kwa masiku 30 mutatha kuchipatala choyenerera. Mwachitsanzo, izi zikutanthauza kuti mukhoza kusankha kupita kuchipatala mutatha kuchipatala, ndipo patatha masabata atatu mutha kusankha kuti mulowe ku malo oti mutha kubwereranso ndikupeza mwayi wa Medicare kuti muthe ndi mankhwala operekedwa ndi Medicare. Chifukwa chomwe mumalowetsa unamwino wothandizira odwala ayenera kukhala chimodzimodzi momwe mudapitsidwira kuchipatala.
Zotsatira zachipatala
Kamodzi pa malo osungirako odwala, muyenera kupitiliza kukwaniritsa zofunikira za chithandizo cha Medicare.
Izi ndizochokera kuunika kwa Medicare Data Set (MDS) yomwe antchito amayenera kuchita mobwerezabwereza kuti adziwe momwe mukugwirira ntchito. MDS ndi ndondomeko yowonjezera yomaliza yomwe inakwaniritsidwa ndi ogwira ntchito kuchokera kumadera osiyanasiyana kuphatikizapo unamwino, ntchito zamagulu, ntchito ndi ntchito zamasewera. Zimayesa luso lanu lamakono ndi kupita kwanu ku zolinga zanu.
Ngati mukupitirizabe kufuna chithandizo chamaluso, monga mankhwala, ntchito, kapena mankhwala, kapena chisamaliro choperekedwa kapena kuyang'aniridwa ndi odwala omwe ali ndi chilolezo, Medicare adzalipira kuti mutha kukonzanso odwala. Mukangodalira chisamaliro ichi molingana ndi MDS, mudzalandira kalata yolembedwa yomwe imakuchenjezani kuti Medicare sichidzalipiriranso kutsegula mautumiki awa.
Kodi Medicare Amalipira Phindu Lonse?
Yankho lalifupi: Zimadalira nthawi yayitali yomwe mumalandira chisamaliro pa malo osungirako anzeru.
Yankho lalitali: Medicare idzagwira ntchito 100 peresenti ya masiku 20 oyambiranso kusamalidwa panthawi ya chithandizo cha nthawi yaitali, malinga ngati mukupitiriza kukwaniritsa masiku 20 kuti muyenerere kufalitsa.
Kuyambira pa tsiku 21, mutha kulipira kubwezera tsiku ndi tsiku ndipo Medicare adzalipira malipiro otsala pa tsiku kwa masiku zana limodzi.
Mukhoza kugula inshuwalansi kuti muthe kulipira ngongoleyi pogula ndondomeko yowonjezera (yomwe imatchedwanso inshuwalansi ya Medigap). Makhalidwe ambiri othandizira amalembetsa ndalama zonsezi kuti muthe kulipira ndalama zothandizira anthu omwe akudwala matenda opatsirana.
Kodi Nthawi Zonse Mankhwala Amawaphimba Masiku Oposa 100 Omwe Amatha Kukonzanso Odwala?
Anthu ambiri ali pansi pa lingaliro lachinyengo kuti Medicare idzangopereka masiku 100 a unamwino wodziwa bwino ntchito / chithandizo chokonzanso. Medicare idzapereka phindu limeneli kwa masiku 100, koma chifukwa cha kukhazikitsidwa, anthu ambiri amalandira masiku angapo kapena masabata a chidziwitsochi. Palibe chitsimikizo chokhudzana ndi chiwerengero cha masiku omwe Medicare adzalipire phindu ili; Mmalo mwake, zimadalira zosowa za munthu aliyense komanso kuyesedwa kwa MDS.
Kodi Munthu Angagwiritse Ntchito Bwanji Mankhwalawa?
Medicare adzalipiritsa zolemba zapakhomo kunyumba kwa nthawi imodzi. Kuti mupeze kufotokozera izi ngati mwakhala mukugwiritsa ntchito kale, muyenera kukhala ndi masiku 60 pamene simunagwiritse ntchito, ndipo mutha kulandira kachiwiri. Mwa kuyankhula kwina, Ngati masiku 60 apita popanda inu kugwiritsa ntchito Medicare phindu lanu kuchipatala kapena malo osungirako anamwino, ubwino umabwereranso ndipo umapezeka kachiwiri.
Kodi Ndi Njira Ziti Zochita Mankhwala Zolipira Zolipira Zopereka Opaleshoni?
Malo osungirako anzeru ayenera kutsimikiziridwa ndi Medicare kuti apereke chithandizo cha mtundu uwu. Mukhoza kuyang'ana mndandanda wa nyumba za anthu okalamba ku Medicare.gov, komanso kuona momwe malowa aliri. Kusankha ndi kufufuza malo kungakhale ntchito yovuta, koma pali zinthu zambiri zomwe zingathandize.
2) Mapulani a Medicare Advantage
Anthu ena adasankha ndondomeko ya Medicare ndipo m'malo mwake asankha zomwe zimatchedwa dongosolo la Medicare Advantage. Awa ndi chithandizo cha Medicare chomwe chimayendetsedwa ndi gulu lina mmalo mwa boma la federal. Mankhwala a Medicare Advantage (omwe amatchedwanso Medicare Part C) amapereka chithunzi chofanana poyerekeza ndi ndondomeko ya Medicare yachikhalidwe, ndi zochepa zochepa:
- Zopindulitsa zina sizikusowa chipatala cha masiku atatu osadwala. Iwo angapereke ndalama pa malo osungirako anamwino ngakhale ngati munthuyo aloledwa kunyumba kwake kapena ali ndi chipatala cha masiku osachepera atatu.
- Zopangira Zopindulitsa Zina zimakhala ndi malo ena omwe amalingalira mu-network (kapena osankhidwa) ndi zina zomwe zanenedwa monga zowonongeka . Ngati malo osungirako osowa ofuna kupita kuchipatala sichikupezeka mu intaneti yanu ya Advantage plan, mautumiki anu sangathe kutsekedwa kapena angapangidwe phindu lochepa.
- Mapulani Ambiri Ambiri Amafuna Chilolezo Chadongosolo la Inshuwalansi kuti ntchito yanu ichitike, pamene Medicare yachikhalidwe sichifuna izi. Lamulo limeneli lisanafike kunyumba yosungirako anthu okalamba kapena kuchipatala kutumizira uthenga wanu wa zachipatala ku ndondomeko ya inshuwalansi pamene ikuwunika. Ndondomeko Yopindulitsa imapanga chisankho kuti kaya idzayendetsa kapena kusaphimbitsa chidziwitso chanu pa malo osungirako anzeru. Ngati chilolezo chisanayambe kapena sichivomerezedwa, ndondomeko ya phindu silidzalipira chisamaliro chanu kuchipatala.
3) inshuwalansi ya nthawi yaitali
Inshuwalansi ya nthawi yaitali ndi inshuwalansi yomwe mungathe kugula yomwe imapereka nthawi yambiri ku nyumba yosungirako anthu okalamba . Mtengo ndi kuchuluka kwa kufalitsa kumasiyana kwambiri malinga ndi kutalika kwa kapangidwe komwe mumagula komanso ngati mumasankha kufalitsa kwathunthu kapena pang'ono.
Kuonjezera apo, makampani ambiri a inshuwalansi a nthawi yaitali amakhala ndi mndandanda wa zinthu kapena mankhwala omwe angapangitse munthu kukhala wosayenerera kuti awunike kapena kuonjezera ndalama zambiri. Izi nthawi zambiri zimakhala ndi matenda a Alzheimer kapena matenda ena a dementias , matenda a Parkinson, matenda ena a mtima, komanso kugwiritsa ntchito mankhwala ena a psychotropic .
Ngati mutapempha inshuwalansi ya nthawi yaitali mukakhala wamng'ono komanso wathanzi, mudzabwezera ndalama zambiri kwa nthawi yaitali koma nthawi zambiri mumakhala malire ochepa. Ngati mutagwiritsa ntchito pamene mukulamba pamene mwayi wofuna kusungirako unamwino ukuwonjezeka, mlingo wanu wamwezi uliwonse wa inshuwalansi ya nthawi yaitali udzakhala wapamwamba kwambiri.
Kaya inshuwalansi yaitali yodalirika ikuthandizani pazifukwa zambiri, kotero mufuna kulankhula ndi wothandizira inshuwalansi za mtengo ndi zolemba zomwe mungasankhe.
4) Medicaid
Anthu ambiri amapatula ndalama kuti aziwasamalira pakapita nthawi, koma nthawi zina ndalama zomwe amazisamalira zimagwiritsira ntchito ndalama mofulumira, ngakhale atayesa kukonzekera bwino ndikusunga ndalama zawo. Ngati ndalama zanu zakutha, mukhoza kuitanitsa Medicaid .
Medicaid ndi thandizo la boma la federal lomwe limaperekedwa ndi boma lililonse kwa iwo omwe ndalama zawo zatha. Munthu ayenera kukhala woyenera ndalama (pokhala ndi ndalama zosachepera $ 2,000 mu chuma chowerengeka) ndikuyenerera kuchipatala (mwakumaliza kafukufuku wa chisamaliro chomwe chikusonyeza kuti iye akusowa chithandizo choyamwitsa kunyumba, mmalo mothandizira kumakhala kapena kusamalira kunyumba .)
Medicaid imakhalanso ndi njira zina zothandizira kuchepetsa kusowa kwa amayi omwe ali ndi nyumba yosungirako anthu okalamba omwe adzakhalabe kunyumba kwawo kapena kumalo ena (monga malo ogona okhaokha kapena malo ogona).
5) Veterans Administration Aid ndi kupezeka
Ngati inu ndi mnzanuyo muli msilikali, mukhoza kulandira chithandizo chachuma kudzera mu Boma la Veterans. Muyenera kutumiza mapulogalamu omwe angatenge pafupifupi miyezi itatu kuti agwiritsidwe ntchito. Pambuyo kuvomerezedwa, mutha kulandira phindu pamwezi pa munthu amene adatumikira. Ndalamayi ikhoza kugwiritsidwa ntchito kuthandizira kulipira kusamalirako kunyumba.
6) Pay Pay (Kuchokera mu Pocket)
Njira ina yomwe mungapereke pofuna kusamalirako mu malo ndi kubweza ngongole, kapena zomwe zimatchulidwa ngati malipiro apadera . Kulipira nokha ku malo osamalirako nthawi zambiri kumatanthauza kuti muli ndi njira zambiri zomwe mungasankhire, chifukwa malo ambiri amasankha ndalama zapadera kapena Medicare makasitomala, osati Medicaid.
Kulipira mwachinsinsi kwa malo osungirako okalamba ndi okwera mtengo, ndi ndalama zomwe zingayende ponseponse kuchokera $ 250- $ 350 patsiku (ndi zina) za chisamaliro. Izi zikhoza kuyendera pakati pa $ 80,000 mpaka $ 125,000 / chaka, ndipo izi zingakhale za chipinda chimodzi chokha. Maofesi ena amapereka zipinda zapadera pazowonjezera tsiku lililonse.
Mawu Ochokera
Kukonzekera patsogolo ndi kudziwa zomwe mungasankhe kungakhale kothandiza kwambiri ngati muli ndi mwayi wopereka chithandizo cha anamwino odziwa bwino ntchito. Kuwonjezera apo, mabungwe ena ammudzi ndi nyumba za okalamba ali ndi antchito omwe akupezeka kuti akuthandizeni kupeza mapinduwa.
Ngakhale kuti ndalama zowonongera kunyumba ndizofunika kwambiri, tikuyembekeza kuti zimakhala zolimbikitsa kudziwa kuti pali njira zosiyanasiyana zomwe zingathandize kuthandizira ndalamazo ngati, ngati ambiri, simungathe kulipira ndalama zonsezi.
> Zotsatira:
> Medicare.gov. Home Nursing Compare. https://www.medicare.gov/nursinghomecompare/search.html?
> Medicare.gov. Kodi ndingalipire bwanji chithandizo chakumayi? https://www.medicare.gov/what-medicare-covers/part-a/paying-for-nursing-home-care.html
> US Department of Health and Human Services. LongTermCare.gov. Ndani amapereka chithandizo cha nthawi yaitali? https://longtermcare.acl.gov/the-basics/who-pays-for-long-term-care.html
> US Department of Health and Human Services. LongTermCare.gov. Medicare. \ https://longtermcare.acl.gov/medicare-medicaid-more/medicare.html