Pamene Medicare Imayendera Nthaŵi, Osasamala
Mutha kuyembekezera kuti kukhala odwala mokwanira kuti mukhale m'chipatala usiku wonse kudzakhala kokwanira kuti Medicare azilipira gawo lawo labwino. Zokongola pamaso panu ndi pamaso pa Medicare, komabe, zikhoza kukhala zosiyana kwambiri.
Ndi Medicare ankayembekeza kuthetsa ndalama pofika chaka cha 2030 , poyambirira ngati GOP amatha kupereka lamulo lawo loperekera msonkho, pulogalamuyi ikufuna kuchepetsa ndalama kulikonse kumene angathe.
Imachita izi pochepetsa ndalama zina kwa inu. Malamulo otsatirawa ndi ofunikira kuti muwamvetsetse, makamaka pamene akuwongolera kwambiri pamene zinthu zikuchitika kusiyana ndi thanzi lanu.
Ulamuliro wa pakati pa usiku ndi usiku
Asanafike Pakati pa Usiku-Usiku , malo okhala kuchipatala anali okhudzana ndi zosowa zachipatala. Mwachidule, ngati mutakhala ndi matenda aakulu, inu munaloledwa kukhala odwala matenda opatsirana chifukwa chipatala chinali malo oyenerera kulandira chisamaliro chimenecho; Mwachitsanzo, mayesero ndi ndondomeko sizingatheke ku ofesi ya dokotala, dipatimenti ya chipatala chapachipatala, m'nyumba mwako, kapena ngakhale kumwino wosungirako unamwino.
Zonsezi zinasintha mu 2013 pamene malamulo awiri a Midnight anagwiritsidwa ntchito. Tsopano, sikofunikira kokha kuti mukhale ndi chifukwa chomveka chachipatala chovomerezedwa ngati odwala, koma chipatala chanu chiyeneranso kuyembekezera nthawi ziwiri:
Malo osungirako chipatala kuyambira kuyambira 11:59 pa 23 January mpaka 12:00 AM pa January 25 (24 hours, 1 min) amafanana chimodzimodzi kuyambira pa 12:01 AM pa 23 January mpaka 12:01 AM January 25 (maola 48). Zonsezi zimakhala zaka ziwiri.
Medicare amatsutsana mwachilungamo kulamulira mmalo mwathu kusiyana ndi nthawi yomwe munthu amakhala m'chipatala. Izi sizinapangitse kuti zikhale zabwino kwa opindula, ndipo chifukwa cha ichi, anthu ambiri komanso zipatala achita kanthu motsutsana ndi boma pa milandu.
Zomwe Zimakukhudzani: Ngati simukuvomerezedwa ngati odwala, mumayikidwa pansi pa zochitika.
Munthu wodwala kuchipatala amalembedwa ku Medicare Part A , pamene kuyembekezera kumakhala kulipira kwa Medicare Part B. Gawo A akutsutsa kuti mulibe ndalama imodzi yokhazikika pakhomo lanu lonse, $ 1,316 mu 2017, kuphatikizapo 20 peresenti ya ndalama zonse za dokotala. Gawo B, komabe, imakuwuzani 20 peresenti pa msonkhano uliwonse womwe umalandira, kuphatikizapo ndalama za dokotala . Ngakhale chipatala sichiloledwa kubweza iwe kuposa ndalama zonse za Pakati A padera pa ntchito iliyonse, ndalama zimaphatikizapo mwamsanga. Kawirikawiri, kafukufuku amakhala kawirikawiri kuposa ndalama zovomerezeka za nthawi yochepa, ngakhale mutalandira thandizo lenileni lomwelo.
Unamwino Wodziwa Amuna Ulamuliro Wachitatu
Anthu amafunika kusamalidwa bwino atakhala kuchipatala ali ndi matenda aakulu. Iwo sangathenso kufuna kuti msinkhu wa chisamaliro wapatsidwe chipatala, koma zingakhale zosavuta kupita kunyumba. Angathe kusamalidwa kwina, kuyang'anitsitsa, ndi ntchito zambiri, monga chithandizo chamthupi ndi ntchito . Kukhala mu malo osungirako odwala (SNF) kapena malo obwezeretsanso zikhoza kukhala zoyenera pazochitikazi.
Kuyenerera kwa kuvomereza kwa odwala, sizitanthawuza kuti mukuyenera kulandira chisamaliro mutatha kuchipatala.
Zonse zimatsikira ku SNF Malamulo a Masiku atatu.
Lamuloli likuti mukuyenera kuvomerezedwa ngati wodwala m'mimba mwa masiku atatu otsatira kuti muyenerere kukhala mu malo osungirako anzeru. Tsoka ilo, tsiku limene mumasamutsira ku chipinda sichiwerengera. Mwachidziwikire, muyenera kugawidwa ngati munthu wodwala matenda opatsirana kwa masiku anayi:
Ngati mutayikidwa pansi pa zochitika pa tsiku lanu loyamba, tsikulo silidzawerengera kufunikira kwa masiku atatu.
Kumbukirani kuti Medicare salola dokotala wanu kapena chipatala kuti asinthe malamulo. Ngakhale ngati chipatala chanu chikhala chotalika kuposa miyezi iŵiri, masiku amenewo sangasinthe kukhala odwala matenda osachiritsika.
Izi zikutanthauza kuti mufunika kukhala ndi chipatala chachikulu kuti muyenere kusamalidwa kunyumba.
Zomwe Zimakukhudzani: Ngati mukukumana ndi SNF Patsiku Lachitatu, Medicare Part A idzapeza ndalama zonse kuti malo osungirako anamwino azikhala masiku 20. Mulipira ngongole ya $ 164.50 patsiku mu 2017 kwa masiku 21 mpaka 100. Pambuyo pake, muli nokha. Ngati simukuvomerezedwa ngati wodwala matendawa kwa masiku atatu otsatizana, komabe ndalama zonse zowonetsera zidzakonzedwa kwa inu mwachindunji. Zikatero, ngakhale Medicare Part A kapena Part B sizingawononge mautumikiwa.
Kupatulapo Malamulo Omwe Amalipidwa Nthawi Zomwe Amagwiritsa Ntchito
Malamulo amasintha pang'ono mukachitidwa opaleshoni. Njira zina zili pa mndandanda wokhawokha, womwe umatanthauza kuti Centers for Medicare ndi Medicaid Services (CMS) amadziwa zovuta za opaleshoni yeniyeni ndipo amavomereza kuti abvomereze. Malamulo awiri-pakati pa usiku sakugwira ntchitoyi:
Ngati mwaphatikizidwa mu Dipatimenti ya Medicare Shared Savings, mukhoza kulandira chilolezo ku SNF Malamulo a Masiku atatu.
Kuchepetsa izi, Medicare yachikhalidwe (Gawo A ndi Gawo B) limamatira kuulamuliro wa awiri-pakati pa usiku ndi lamulo la masiku atatu lopanda matenda. Medicare Advantage (Gawo C) , ndondomeko, akhoza kupereka zambiri kusintha. Icho chingakhale chinthu chabwino ndi choipa.
Zabwino: Ndondomeko ya Medicare Advantage ili ndi mwayi wosankha SNF Malamulo a Masiku atatu. Mosasamala kanthu kwa kutalika kwa chipatala chanu, mungathe kupeza chisamaliro chomwe mukufunikira.
Zoipa: Mankhwala a Medicare Advantage angachoke pa opaleshoni pa mndandanda wokhawokha wokhawokha, kutanthauza kuti sakusowa kuti avomereze nawo chifukwa cha kulandira mankhwala. Amatha kuwapereka ngati njira zakuchipatala. Izi zingayambitse opaleshoni ina yomwe imakupatsani ndalama zambiri.
Wokondedwa: Kawirikawiri, mapulani a Medicare Advantage amatsatira malamulo awiri a pakati pa usiku.
Mawu Ochokera
Nthawi ndi nthawi. Medicare amaletsa kuchuluka kwa Gawo A kulipira poika malire pa nthawi yanu. Ulamuliro wa awiri-pakati pa usiku ndi SNF Malamulo a Masiku atatu amatha kuyang'anira madera a Medicare Part B, komwe mumapereka ndalama zambiri kunja kwa thumba. Tsoka ilo, mukhoza kupeza zovuta kupeza chisamaliro chomwe mukuchifuna pamtengo womwe mukuyenera.
> Zotsatira:
> Christina Alexander, et al., Wopondereza, vs. Thomas E. Price, Mlembi wa Zaumoyo ndi Zaumunthu, Wotsutsa . Khoti Lachigawo la United States, District of Connecticut. http://www.medicareadvocacy.org/wp-content/uploads/2017/08/Order-on-Class-Certification.pdf. Idasindikizidwa pa July 31, 2017.
> Pulogalamu yaumoyo Mwachidule: Malamulo awiri-pakati pa usiku. Health Affairs , January 22, 2015. http://www.healthaffairs.org/do/10.1377/hpb20150122.963736/full/.
> Medicare Coverage of Care Skilled Nursing Care Care . Maofesi a Medicare ndi Medicaid Services. https://www.medicare.gov/Pubs/pdf/10153.pdf. Kusinthidwa kwa January 2015.
> Unamwino Wodziwa Zopereka Udindo Wowonjezera Masiku atatu. Maofesi a Medicare ndi Medicaid Services. https://www.cms.gov/Medicare/Medicare-Fee-for-Service-Payment/sharedsavingsprogram/Downloads/SNF-Waiver-Guidance.pdf. Inasindikizidwa mu August 2017.