Medicare Medical Insurance Inshuwalansi
Medicare Part B
Medicare ili ndi magawo anai , 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 B, yomwe imadziwikanso ndi pulogalamu ya Medical Inshuwalansi, imathandizira kupereka malipiro osowa mankhwala, monga:
- Ntchito za madokotala
- Chisamaliro chapakati
- Ntchito zina zathanzi, monga mankhwala ndi ntchito
- Ntchito zina zothandizira
Ndani Ali Woyenera Kudwala Medicare Part B?
Ngati muli ndi zaka 65 kapena kupitilira (ndi kupeza phindu kuchokera ku Social Security kapena Railroad Retirement Board), mumangogwira ntchito ya Medicare Part B. Kuphunzira kwanu kwa Medicare Part B kumayamba tsiku loyamba la mwezi mutatsala 65. Muyeneranso kulandira Khadi lanu la Medicare mu imelo miyezi itatu musanafike tsiku lanu lakubadwa kwachisanu ndi chimodzi.
Ngati muli ndi zaka zosachepera 65, ndinu oyenerera kulandira phindu la gawo B potsatira 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 - kuti mudziwe zambiri onani Medicare Coverage ya Impso Dialysis ndi Dipso Transplant Services.
- 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 Choyamba cha Medicare Part B?
Muyenera kulipira malipiro a mwezi wa Gawo B omwe angachotsedwe pazomwe mumaziteteza pamwezi.
Anthu ambiri amapereka malipiro a mwezi uliwonse a Part B, omwe ndi $ 96.40. Kwa 2010, ngati mutapeza ndalama zambiri mu 2008 (kuposa $ 85,000 paokha, $ 170,000 pa banja), mudzayenera kulipiritsa ndalama zapadera pamwezi B, kuyambira $ 154.70 mpaka $ 353.60.
Medicare Part B ndi pulogalamu yodzifunira ndipo mungathe kuchokapo ndipo musamalipire mwezi uliwonse. Ngati simukufuna Medicare Part B, tsatirani malangizo omwe amabwera ndi khadi lanu la Medicare. Muyenera kutumiza khadi. Ngati mukufuna kukhala mu Medicare Part B, khalani ndi khadi ndipo mudzakhala ndi mapepala a Part B omwe achotsedwa pazomwe mumaonera chitetezo.
Ngati malipiro anu ali ochepa ndipo simungathe kulipira malipiro a mwezi uliwonse Gawo 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 B Ndiyani Kodi Ndiyenera Kulipira Chiyani?
Medicare Part B ili ndi deductible pachaka, yomwe mu 2010 ndi $ 155.00. Muyenera kulipira ndalama zonse mpaka mutakumananso ndi deductible chaka chilichonse pamaso pa Medicare akuyamba kulipira gawo lake. Mukatha kukumana ndi ndalama zanu, mukhoza kukhala ndi ndalama zokwanira 20% za ndalama zomwe mulandira mankhwalawa.
Kawirikawiri, Medicare Part B ikuphatikiza mitundu iwiri ya mautumiki:
- Ntchito zamankhwala - ntchito zothandizira zaumoyo (ndi zina zowonjezera) zomwe mungafunikire kupeza ndi kuchiza matenda. Medicare ikhoza kulipiritsa zokhazokha zomwe iwo amazitanthauzira monga zofunikira za mankhwala.
- Ntchito zothandizira - zithandizo zaumoyo kuti zisawononge matenda (monga chimfine) kapena kuthandiza kuthandizira matenda kumayambiriro koyambirira kuti athe kusamalidwa asanayambe kuwonjezereka (monga kuyerekezera khansa yamtunda ).
Ntchito Zamankhwala
Zitsanzo zina zothandizira zachipatala ndizo:
- Mapulogalamu a Ambulance - pokhapokha ngati kuli koyenera komanso ku malo oyenerera odwala omwe ali pafupi
- Maphunziro a Laboratory Laboratory - kuyesa magazi, kuyesa mkodzo, ndi mayesero ena oyesera
- Zowononga shuga - masewera a shuga a magazi, mapulogalamu oyesa, ndi ma lancets
- Mapulogalamu a Dokotala - ntchito zothandizira ndi zothandizira zomwe mumalandira kuchokera kwa madokotala anu ku ofesi ndi zina zomwe zimaperekedwa kuchipatala
- Zida Zamankhwala Zosatha - zinthu zomwe madokotala anu amalemba kuti zigwiritsidwe ntchito m'nyumba, monga zipangizo za oxygen, mipando ya olumala, oyenda, ndi mabedi a kuchipatala
- Maofesi Achipatala Chodzidzimutsa - kuchiza kuvulazidwa koopsa kapena matenda odzidzimutsa
- Mental Health Care - matenda ndi matenda a matenda a maganizo monga kuvutika maganizo, nkhawa, kapena kumwa mankhwala osokoneza bongo
- Ntchito zachipatala, Mankhwala opatsirana, ndi Mauthenga-Mapulogalamu a Pathology - kukuthandizani kuti mubwererenso kuntchito pambuyo pa matenda kapena kuvulala
- Zithandizo zachipatala - zimaphatikizapo ntchito zachipatala kuchipatala chachipatala komanso ntchito zina monga X-ray, EKGs, scans, cast, kapena bala)
- Mankhwala Osokoneza Bongo - nthawi zambiri amangoikidwa ku ofesi ya dokotala, mankhwala ena a khansa ya m'kamwa, ndi mankhwala ena omwe amagwiritsidwa ntchito ndi zipangizo monga nebulizer kapena kulowetsedwa.
Ntchito Zothandizira
Zitsanzo zina za misonkhano yothandizira ndizo:
- Mimba ya m'mimba Aortic Aneurysm Screening - kufufuza nthawi imodzi kwa anthu omwe ali pangozi
- Kuyeza Kwambiri kwa Matenda - Zowonongeka za matenda a mitsempha kuti muwone ngati muli pachiopsezo cha mafupa osweka
- Kuyeza kansa - mayesero angapo amathandizidwa kuti athandize khansa zina, monga khansa yoyipa, khansa ya m'mawere, khansara ya chiberekero ndi khansa ya prostate
- Kuyeza kwa shuga - kuyesera magazi kwa anthu omwe ali pachiopsezo cha shuga
- Mayeso a Glaucoma - anthu omwe ali pangozi yaikulu ya glaucoma, matenda aakulu a maso
- Kuyezetsa Matenda a Mtima - Kuyezetsa magazi, monga kolesterolini, kuti muthe kudziwa momwe mungapezere matenda a mtima
- Kuwombera - kufotokozera kumaphatikizapo chimfine, kuwopsa kwa hepatitis B, ndi kuwombera pneumococcal
- Kusiyiratu Kusuta - uphungu wokuthandizani kusiya kusuta
Zindikirani: Mndandanda umene uli pamwambawu ndindandanda wazinthu zomwe zili pansi pa Medicare Part B. Kwa mndandanda wonse, zomwe zimaphatikizapo ndi mautumiki omwe akugwiritsidwa ntchito pokhapokha ndikupatsidwa ndalama, onani Medicare & You 2010, zomwe muyenera kulandira imelo. Mukhozanso kuyang'ana ma tsamba atsopano pa webusaiti ya Medicare.
Kodi ndiyenera kulembetsa ndondomeko ya Medigap?
Ngakhale kuti Medicare Part B idzapeza ndalama zochuluka zopezera ndalama zachipatala, mumakhalabe ndi ndalama zambiri. Choncho, mungafunike kulingalira dongosolo la Medigap kuti muthe kulipira ndalama zomwe zimachokera mu gawo B pachaka, ndalama zothandizira ndalama komanso zolipilira. Ngati mwalembera mu dongosolo la Medicare Advantage, zina mwa ndalamazi zingakonzedwenso.