Kodi pali kusiyana kotani pakati pa Medicare ndi Medicaid ? Medicare ndi ya okalamba ndi olumala, pamene Medicaid ndi yaumphawi (anthu ena ali oyenerera onse ), koma kusiyana pakati pa Medicare ndi Medicaid ndi kwakukulu kuposa izo. Medicare ndi Medicaid zimasiyana
- ndani angathe kulemba
- amene amawayendetsa
- momwe amagwirira ntchito
- momwe iwo amalipiritsidwira
- Kodi amapindula bwanji?
Ndani Amalandira Medicare vs Medicaid?
Okalamba ndi olumala amalandira Medicare; anthu osauka amalandira Medicaid. Ngati inu nonse muli okalamba ndi osauka kapena olumala ndi osauka, mungathe kupeza zonse ziwiri.
Medicare
Ambiri opindula a Medicare ali ndi zaka 65 kapena kuposerapo, koma pofika mu 2016, panali anthu oposa 9 miliyoni (pafupifupi 16 peresenti ya anthu onse a Medicare) omwe ali ndi zaka makumi asanu ndi limodzi ndi zisanu ndi zisanu ndi zisanu ndi ziwiri (65) ndi chithandizo cha Medicare. Anthuwa anali oyenerera ku Medicare chifukwa anali olumala (nthawi zambiri, mumayenera kulandira ubwino wothandizira Social Security kwa zaka ziwiri musanalandire Medicare, koma pali zosiyana kwa anthu omwe ali ndi matenda otchedwa renal disease ndi amyotrophic lateral sclerosis ).
Mwayenera Medicare ngati muli ndi zaka 65 ndipo inu kapena mwamuna kapena mkazi wanu mudalipira msonkho wa Medicare kwa zaka 10. Kaya muli olemera kapena osauka ziribe kanthu; Ngati mutapereka msonkho wanu wa msonkho ndipo mutakalamba, mumalandira Medicare.
Mukatero, mudzalandira Medicare Part A kwaulere. Ndipo kwa anthu ambiri, mapepala a Medicare Part B ali pafupi $ 130- $ 134 / mwezi mu 2018 (mudzalipiritsa ndalama zapadera za Medicare Part B ndi Part D ngati ndalama zanu zoposa $ 85,000 / chaka kwa munthu mmodzi, kapena $ 170,000 / chaka kwa okwatirana).
Ngati muli ndi zaka zoposa 65 koma simunalipire misonkho ya Medicare pamene muli wamng'ono, mukhoza kukhala oyenera ku Medicare.
Komabe, iwe ukhoza kupereka malipiro apamwamba kwambiri, monga momwe iwe uyenera kulipilira payimenti yowonjezera ya Gawo B, kuphatikizapo kuonjezera kwa gawo A.
Medicaid
Pansi pa Ntchito Yodalirika Yothandiza, ndinu oyenerera ku Medicaid ngati ndalama zanu zapakhomo ndi zosakwana 138 peresenti ya mgwirizano wa umphawi. Komabe, zifukwa zina zatsutsa ndondomekoyi , ndipo zasunga Medicaid kukhala yoyenera monga momwe ACA isanakhalire, zomwe zikutanthauza kuti kuwonjezera pa kupeza ndalama zochepa, mumayenera kukhala mwana, amayi oyembekezera, okalamba, akhungu , olumala, kapena kholo lochepetsetsa kwambiri la ana aang'ono.
Pali mayiko 19 omwe Medicaid sanakwanire anthu kufika pa 138 peresenti ya umphawi, ndipo mwa 18 mwa iwo, pali kusiyana kochepa (mwachitsanzo, palibe njira zowunikira) omwe alibe ana omwe ali ndi ndalama zoperewera.
Ndondomekoyi ikuwonetsa mgwirizano wa Medicaid (mwa chiwerengero cha federal poverty level) kwa anthu osiyanasiyana m'mayiko onse.
Ndani Amayambitsa Medicare vs Medicaid?
Boma la federal likuyendetsa Medicare Program . Dziko lirilonse liri ndi pulogalamu yake ya Medicaid. Ndichifukwa chake Medicare imakhala yofananamo m'dziko lonse lapansi, koma mapulogalamu a Medicaid amasiyana ndi boma ndi boma.
Ngakhale kuti boma lirilonse limapanga ndondomeko yake ya Medicaid, mapulogalamu onse a Medicaid ayenera kukwaniritsa mfundo zomwe boma la federal likufuna kuti lipeze ndalama za federal.
Centers for Medicare ndi Medicaid Services, mbali ya boma la federal, ikuyendetsa pulogalamu ya Medicare. Amayang'ananso pulojekiti ya Medicaid iliyonse kuti awonetsetse kuti ikutsatira mfundo za boma. Kuti apange kusintha kwakukulu pa mapulogalamu awo a Medicaid, akuti afunse chilolezo ku boma la federal kudzera mwa njira yotsalira.
Kodi Mapulani Amasiyana Bwanji ndi Medicare vs Medicaid?
Medicare ndi pulogalamu ya inshuwaransi pamene Medicaid ndi pulogalamu ya chithandizo cha chikhalidwe .
Mankhwala a Medicare amalandira Medicare chifukwa iwo amalipira chifukwa cha msonkho wa msonkho pamene iwo akugwira ntchito, komanso kupyolera pamalipiro a mwezi uliwonse atakhala olembetsa.
Omwe akulandira mankhwalawa sasowa kulipira misonkho ndipo ambiri samalipiritsa malipiro awo pa nkhani ya Medicaid (zina zimafuna kuti Medicaid ilembetse pa mapeto apamwamba a oyenerera ndalama kuti apirire malipiro ake). M'malo mwake, ndalama zopereka misonkho zimapereka Medicaid kwa anthu osowa oyenerera mofanana ndi mapulogalamu ena othandizira monga Thandizo Lothandizira Amayi Ovutika, Ana Aang'ono ndi Ana, ndi Supplemental Nutrition Assistance Program.
Kodi Mankhwala ndi Opaleshoni Amasiyana Bwanji?
Pulogalamu ya Medicare yapangidwa kuti ipatse odwala Medicare zosankha zambiri. Medicare ili ndi zigawo zingapo zosiyana, zomwe zimapereka inshuwaransi za mtundu wina wa chithandizo chamankhwala. Mwachitsanzo, Medicare Part A ndi inshuwalansi ya inshuwalansi, Medicare Part B ndi inshuwalansi yothandiza anthu odwala matenda opatsirana komanso madokotala, ndipo Medicare Part D ndi inshuwalansi ya mankhwala.
Mankhwalawa amatha kusankha mitundu yambiri ya inshuwalansi ya Medicare kamodzi , kapena mtundu umodzi wokha. Amatha kusankha Medicare Advantage kapena original Medicare . Zili zachilendo kukhala ndi Medicare Parts A, B, ndi D panthawi yomweyo. Komabe, anthu ena amasankha okha kukhala ndi Medicare Part A kufalitsa kotero kuti sayenera kulipira malipiro apakompyuta a Medicare Parts B ndi D (ndizopanda nzeru kuti muchite izi pokhapokha mutakhala ndi zina zowonjezera zowonjezera m'malo mwake, Adzakhala ndi chilango cholembera pakapita nthawi pamene mudzalembetsa zigawo B ndi D, ndipo chilango chidzakhalabe m'malo mwa moyo wanu wonse).
M'mbuyomu, mapulogalamu a Medicaid sanapange zosankha zambiri motsatira ndondomeko ya mapulani. Koma lero, mabungwe ambiri amagwiritsa ntchito mabungwe othandizira a Medicaid (MCOs). Ngati pali njira imodzi yokha ya MCO kudera linalake la boma, olembetsa angaloledwe kusankha chomwe akufuna.
Kodi Medicare ndi Medicaid Zimapeza Ndalama Zake?
Medicare imadalitsidwa ndi gawo la msonkho wa Medicare, mbali imodzi ndi malipiro omwe amalandira Medicare, ndipo mbali imodzi ndi msonkho wadziko lonse. Mankhwala a Medicare a msonkho komanso malipiro amapita ku Medicare Trust Funds. Ngongole zothandizira zaumoyo kwa odwala omwe amalandira amalandira kuchokera ku Medicare Trust Funds.
Medicaid imapereka ndalama zothandizira ndi boma la federal komanso kulipiritsidwa pang'ono ndi boma. Kodi boma la federal limapereka ndalama zochuluka bwanji kuti lipereke ndalama za boma la Medicaid? Boma la federal limalipira pafupifupi 63 peresenti ya ndalama zonse za Medicaid, koma kuchuluka kwake kumakhala 50 peresenti kufika pa 75 peresenti, malinga ndi boma (mayiko olemera amapereka ndalama zambiri za Medicaid, pamene mayiko osauka amalandira thandizo lina boma la federal).
Koma pansi pa kukula kwa ACA ya Medicaid, boma la boma likulipira gawo lalikulu kwambiri. Kwa anthu omwe angoyamba kumene ku Medicaid chifukwa cha ACA (ie, akuluakulu omwe ali ndi ndalama zokwana 138 peresenti ya umphawi), boma la federal linalipira 100 peresenti ya ndalama kuyambira 2014 mpaka 2016. Mayiko anayamba kulipira 5% ndalama mu 2017, ndipo zomwezo zawonjezeka kufika pa 6 peresenti mu 2018, ndipo zidzakula kufika pa 7 peresenti mu 2019. Pambuyo pake, kuyambira 2020 kupita patsogolo, dziko lidzalipira 10 peresenti ya mtengo ndipo boma lidzalipira 90 peresenti.
Kodi Madokotala Amapindula Bwanji ndi Madokotala?
Medicare ndi Medicaid sizikutanthauza ntchito zothandizira zaumoyo zomwezo. Mwachitsanzo, Medicare salipira chifukwa cha kusungidwa kwa nthawi yaitali ngati kukhala mu nyumba yosungirako okalamba, koma Medicaid imalipira nthawi yaitali. Medicaid amapindula amasiyana kuchokera ku boma kupita ku boma, koma ndondomeko iliyonse ya Medicaid imapereka zopindulitsa zazing'ono. Madalitso a Medicare ali ofanana kudutsa dziko lonse lapansi.
Mungaphunzire zambiri zokhudza madalitso omwe Medicare amapereka, komanso zomwe muyenera kuyembekezera kuti mutenge ndalama zopezeka mumabuku awa .
Phunzirani zambiri za mauthenga ambiri a Medicaid apa, kapena pitani ku webusaiti yanu ya Medicaid kuti mudziwe za madalitso a Medicaid m'dera lanu.
Pitani ku gawo lathu la Medicare & Medicaid kuti mudziwe zambiri, zakuya zokhudza Medicare ndi Medicaid.
> Zotsatira:
> Cubanski, Juliette; Neuman, Tricia; Damico, Anthony. Kaiser Family Foundation. Udindo wa Medicare kwa Anthu Akalamba 65 Ndi Olemala. August 2016.
> Kaiser Family Foundation. Gawo la Federal and State la Medicaid Kuwononga. 2016.
> Medicaid.gov. Mankhwala a Medicaid ndi CHIP Oyenerera.
> Medicare.gov. Gawo A Ndalama.
> Social Security Administration, Medicare Pulezidenti: Malamulo a Opeza Mapindu Aakulu , 2018.