Inshuwalansi ya inshuwalansi ya Medicare Hospital
Medicare Part A
Medicare ili ndi magawo anayi , kapena mapulogalamu omwe amapereka chithandizo cha mautumiki osiyanasiyana okhudzana ndi thanzi. Kumvetsetsa momwe Medicare ikugwirira ntchito kungakuthandizeni kusankha zosankha za Medicare zomwe zingakwaniritse zosowa zanu.
Medicare Part A, yomwe imadziwikanso ngati pulogalamu ya Inshuwalansi ya Chipatala, imathandiza kuti iziphimbe ndalama za:
- Kusamalira odwala m'mzipatala
- Kusamalira ana odwala matenda opatsirana pogwiritsa ntchito unamwino wothandizira
Ndani Ali woyenera ku Medicare Part A?
Ngati muli ndi zaka 65 kapena kupitilira, mumangokhalira kupeza Medicare Part A. Anu Medicare Part A Kuphunzira kumayamba tsiku loyamba la mwezi mutatsala 65. Muyeneranso kulandira khadi lanu la Medicare mumalata 3 miyezi musanafike tsiku lachisanu ndi chimodzi cha kubadwa kwanu.
Ngati muli ndi zaka zosachepera 65 muyenera kulandila Phindu A Pakati pa izi:
- Mutha kulandira inshuwalansi ya Social Security kwa zaka zoposa ziwiri - muyenera kupeza khadi lanu la Medicare mu makalata musanafike mwezi wanu 25 waumalempha.
- Muli ndi matenda a impso osatha (matenda otchedwa renal disease, kapena ESRD) omwe amafunikira dialysis yopitirira kapena kupatsirana kwa impso . Malamulo apadera amagwiritsidwa ntchito kwa anthu omwe ali ndi ESRD.
- Mwapezeka kuti muli ndi amyotrophic lateral sclerosis (matenda a Lou Gehrig). Ngati muli ndi ALS, mumapeza Gawo A mwezi wanu phindu lanu lolemala likuyamba.
Kodi Ndiyenera Kulipira Matenda A Medicare Part A?
Ngati muli oyenerera ku Medicare simudzasowa kulipira malipiro a mwezi wa Gawo A ngati inu kapena mkazi wanu mudalipira msonkho wa Medicare pamene mukugwira ntchito.
Ngati inu ndi mkazi wanu simunagwire ntchito kapena simunalipire msonkho wokwanira wa misonkho ya Medicare yomwe simungayenere gawo laulere laulere A. Komabe, mutha kugula gawo A polipirira malipiro a mwezi uliwonse, omwe ali pa $ 461 2010. Muyenera kulankhulana ndi ofesi ya Social Security ku miyezi itatu isanafike tsiku lachisanu ndi chimodzi kuti mutsegule.
Ngati mutasankha kugula Medicare Part A, mudzafunikanso kulembetsa ndi kulipira mtengo wa Medicare Part B. Ngati malipiro anu ali ochepa ndipo simungakwanitse kulipira malipiro a mwezi wa Part A ndi / kapena Part B, dziko lanu lingakhale ndi pulogalamu yothandizira. Kuti mudziwe zambiri onani kabuku kakuti Fuzani Thandizo ndi Medicare Costs yanu ndipo pitani ku State Health Insurance Assistance Program (SHIP) kuti mudziwe zambiri zokhudza uphungu waulere m'dziko lanu.
Kodi Medicare Part A Kuphimba Chiyani?
Malo Ochipatala
Ntchito zophimbidwa zikuphatikizapo chipinda chapakati payekha, chakudya, chisamaliro chachikulu, mankhwala, ndi zina za chipatala ndi zinthu zina. Medicare sichita unamwino waumwini, udindo wa telefoni kapena wailesi yakanema m'chipinda chanu chachipatala, zinthu zakuthupi monga zipinda zapakhomo, kapena chipinda chapadera, kupatula ngati pakufunika kuchipatala.
Mudzayenera kulipira pa chisamaliro chanu ndi Medicare ali ndi malire pa chithandizo cha kuchipatala.
Pa nthawi iliyonse yopindula mu 2010 mumalipira:
- Chiwerengero cha $ 1,100 chokwanira kuchipatala cha masiku 1-60.
- $ 275 pa tsiku kwa masiku 61-90 a chipatala.
- $ 550 pa tsiku kwa masiku 91-150 a chipatala (Lifetime Reserve Days).
- Ndalama zonse tsiku lililonse kupitirira masiku 150.
Kuonjezera apo, chithandizo chamankhwala odwala matenda opatsirana m'maganizo kuchipatala cha anthu odwala matenda a maganizo kufikira masiku 190 pa moyo wanu wonse.
A Dr. Mike kutanthauzira: Nthawi yopindula (kapena spell of illness) imayamba tsiku lopita kuchipatala (kapena chipatala chodziwitsa anthu, kapena SNF) ndipo chimathera pamene simunalandire chithandizo chilichonse chachipatala (kuchipatala kapena SNF) kwa masiku 60 motsatira. Mudzayenera kulipira dedptible inpatient phindu lililonse.
Chidziwitso cha Nursing
Ntchito zowonjezereka zikuphatikizapo chipinda chapakati payekha, chakudya, unamwino wodziwa bwino ndi ntchito zothandizira, ndi zina zowonjezera. Kukhala kwanu mu SNF kudzagwiritsidwa ntchito ndi Medicare pokhapokha patatha masiku atatu omwe chipatala cha odwala ali ndi matenda odwala kapena ovulala.
Mwachitsanzo, ngati mutapititsidwa kuchipatala chifukwa chodwala sabata imodzi, malo osungirako anamwino amatha kukonzanso.
Mulibe malipiro kwa masiku 20 oyambirira mu SNF, mudzayenera kulipira (mu 2010) $ 137.50 masiku 21 mpaka 100 komanso ndalama zonse tsiku ndi tsiku 100. Izi zimagwiritsidwa ntchito nthawi iliyonse yopindula.
Huduma Zaumoyo Zakanyumba
Pofuna kulandira chithandizo chamankhwala kuchokera kunyumba kuchokera ku Medicare, muyenera kukhala pakhomo (kutanthauza kuti kuchoka panyumba ndi ntchito yaikulu), dokotala wanu ayenera kuonetsetsa kuti mukusamalira, ndipo maofesiwa ayenera kuperekedwa ndi bungwe la zaumoyo lovomerezeka kunyumba la Medicare.
Kuwonjezera pa chithandizo chamankhwala a pakhomo kumaphatikizapo zofunikira zachipatala, mautumiki a nthawi yochepa monga asamalidwe odziwa bwino, othandizira zaumoyo, ntchito zakuthupi, matenda a chilankhulo, ndi ntchito zachipatala. Zimaphatikizapo zipangizo zamankhwala zotsalira (monga zikopa za anthu olumala, mabedi a chipatala, oyendayenda, oksijeni) ndi mankhwala omwe angagwiritsidwe ntchito kunyumba .
Simudzakhala ndi malipiro okhudzana ndi ntchito zomwe zimaperekedwa kunyumba kwanu. Komabe, uyenera kulipira ndalama zokwanira 20 peresenti ya ndalama zomwe amavomerezedwa ndi Medicare kwa zipangizo zilizonse zogwira ntchito zadokotala.
Care Hospice
Thandizo lachipatala ndilo anthu omwe ali ndi matenda othetsera matenda omwe amayembekezere kukhala miyezi isanu ndi umodzi kapena osachepera. Kuphatikizapo mankhwala kumaphatikizapo mankhwala opumula ululu, ndi kulamulira zizindikiro zina; zachipatala, unesi, ndi maubwenzi; ndi uphungu wachisoni. Mapulogalamuwa ayenera kuperekedwa ndi odwala omwe amagwiritsidwa ntchito ndi Medicare .
Medicare idzapatsanso chisamaliro cha kuchipatala , chomwe ndi chisamaliro chomwe mumalandira kotero kuti wothandizira wanu nthawi zonse akhoza kupuma. Medicare adzapitiriza kufalitsa chisamaliro chanu chachipatala malinga ngati dokotala wanu wa kuchipatala kapena mkulu wa zamankhwala wa chipatala akutsimikiziranso kuti mukudwala.
Ngakhale kulibe ndalama zothandizira anthu ogwira ntchito kuchipatala , mudzakhala ndi ndalama zokwana madola 5.00 pazolembedwa zonse zapachipatala ndipo mudzalipiritsa 5 peresenti ya ndalama zomwe mulandira mankhwala omwe mumalandira.
Kodi ndiyenera kulembetsa ndondomeko ya Medigap?
Ngakhale Medicare Part A idzapereke ndalama zambiri pa chipatala chanu komanso malo osungirako ogwira ntchito okhwima, mumakhalabe ndi ndalama zambiri . Kotero, mungafunike kulingalira dongosolo la Medigap kuti muthe kulipira ndalama zanu zomwe simukuzigwiritsa ntchito monga chipatala cha ndalama , ndalama zothandizira ndalama , komanso mapepala. Ngati mwalembera mu dongosolo la Medicare Advantage , zina mwa ndalamazi zingakonzedwenso.