Zimene Mumalipira Ngati Wodwala
Kusamalira odwala amasonyeza mankhwala omwe amaperekedwa kuchipatala kapena malo ena ndipo amafunika osachepera kamodzi.
Mwachitsanzo, odwala chipatala ndi madokotala omwe amangokhala osamalidwa, ndipo palibe ofesi kapena osowa chithandizo.
Kusamalidwa kwa anthu odwala matenda opatsirana kumaphatikizapo kulumala ku matenda akuluakulu ndi zoopsa zomwe zimafuna masiku amodzi kapena kupitilira usiku kuchipatala.
Pofuna kulandira chithandizo chamankhwala, inshuwalansi ya umoyo imayenera kuti mulowe kuchipatala kuti mupitirize kukhala ndi chithandizo chamaganizo. Izi zikutanthauza kuti dokotala ayenera kulemba kalata kuti apereke chilolezo kuti avomereze, kotero ngati mutakhala m'chipinda chodzidzimutsa ndipo mukufunsidwa kuti mukhalebe "Kuwonetsa zachipatala", sizikuchititsani kuti mukhale odwala.
Oposa theka la onse odwala matenda opatsirana opaleshoni amatha kupyolera mu dipatimenti ya chipatala. Mapulani a inshuwalansi a zaumoyo amachititsa chipinda chodzidzimutsa ndikusamalira anthu odwala matenda okhudzidwa ndi matenda okhudzidwa. Muzinthu zina, ma copays ku chipinda cham'chipinda chodzidzimutsa amasiyidwa ngati wodwalayo amaloledwa kuchipatala.
Chisamaliro cha matenda osapatsirana chimasweka mu magawo awiri: malo omwe amalipirako komanso omwe akugwirizana ndi opaleshoni / dokotala. Kawirikawiri, zopereka zothandizira anthu odwala matenda opatsirana mwachisawawa zimapangidwa pa nthawi yokhala kapena patsiku la malowa.
Zolinga zina, copays kawirikawiri ndi mazana angapo madola pakulandila ndi mpaka $ 1,000. Muzochitika zingapo, kugawana mtengo kumaphatikizapo ndalama zowonjezera madola mazana asanu ndi limodzi ndi ndalama zowonjezera pamwamba pake.
Medicare: Wodwala Vs. Wodwala
Ngati muli ndi Medicare , mufunse ngati mukuganiza kuti mukudwala kapena mukudwala matenda opatsirana.
Malo anu a chipatala (ngati chipatala chikukuonani kuti ndinu "odwala" kapena "odwala") zimakhudza momwe mumalipiritsira ntchito zachipatala (monga X-ray, mankhwala, ndi ma laboni) komanso zingakhudzire ngati Medicare idzayang'aniranso chithandizo malo osungirako anamwino (SNF) pambuyo pa chipatala chanu.
Ndinu odwala matenda opatsirana kuyambira pamene mumaloledwa kuchipatala ndi dokotala. Tsiku lomwe musanachotsedwe ndi tsiku lanu lomaliza lachipatala.
Ndiwe wodwalayo ngati ukupeza thandizo la dipatimenti yozizwitsa, ntchito zowonera, opaleshoni yapadera, ma laboratory, ma X-ray, kapena ma chipatala ena onse, ndipo adokotala sanalembere kalata kuti akuloleni kuchipatala monga odwala. Pazochitikazi, ndiwe wochiritsira kunja ngakhale mutagona usiku kuchipatala.
Chigamulo chovomerezeka kuchipatala ndi chipatala chogwiritsidwa ntchito ndichipatala chifukwa cha chigamulo cha dokotala wanu ndi kusowa kwanu kwa kuchipatala koyenera kuchipatala. Kuloledwa kwa odwala nthawi zambiri kumakhala koyenerera pamene mukuyembekezeredwa kuti mupeze thandizo lachipatala 2 kapena kuposerapo, koma dokotala wanu ayenera kuitanitsa kulandira kotero kuti chipatala chiyenera kukuvomerezani kuti mukhale odwala.
Medicare: Zimene Mukulipira Monga Wodwala
Kodi mumalipira chiyani ngati odwala?
- Medicare Part A (Inshuwalansi ya Chipatala) imapereka chithandizo cha chipatala chapachipatala. Kawirikawiri, izi zikutanthawuza kuti mumalipira nthawi imodzi pokhapokha ngati mumagwira ntchito m'chipatala kwa masiku 60 oyambirira omwe muli m'chipatala.
- Medicare Part B (Inshuwalansi ya Zamankhwala) imapereka ntchito zambiri za dokotala mukakhala odwala. Mukulipira ndalama zokwana 20 peresenti ya ndalama za Medicare zovomerezeka kwa madokotala atatha kulipira gawo la B.