Mafunso Omwe Amagwiritsidwa Ntchito Kawirikawiri pa Medicare

Zomwe Zilipo Panopa Ponena za Medicare Program

Medicare ndi pulogalamu ya boma ya federal yomwe imapereka inshuwalansi ya anthu omwe ali ndi zaka 65 ndi zapakati, anthu osapitirira 65 ali ndi zilema zina, ndi anthu okhala ndi impso zosatha zomwe zimafuna dialysis kapena kusintha kwa impso. Pulogalamu ya Medicare ili ndi "mbali" zingapo zomwe zimapereka ubwino wambiri, kuphatikizapo inshuwalansi ya chipatala Gawo A), inshuwalansi ya zachipatala kwa madokotala (Gawo B), ndi kulandira mankhwala ( Gawo D ).

Medicare Support Center ndi boma la intaneti lomwe likufunsidwa kawirikawiri pulogalamu ya Medicare. Mafunso 20 otsatirawa ndi ena mwa otchuka kwambiri:

1 -

Ndani Ali Woyenera Kupeza Madokotala?

Ngati mutapeza zopindula kuchokera ku Social Security kapena Railroad Retirement Board, mumatha kupeza Medicare kuyambira tsiku loyamba la mwezi mutatsala 65.

Ngati muli ndi zaka zosachepera 65 muyenera kulandila Phindu A Pakati pa izi:

• Wakhala mukulandira inshuwalansi ya Social Security kwa zaka zoposa ziwiri.
• Muli ndi matenda osokonezeka a impso (mapeto a nthenda yotchedwa renal disease) omwe amafunikira dialyse yopitirira kapena kupatsirana kwa impso. Mwapeza kuti muli ndi amyotrophic lateral sclerosis (matenda a Lou Gehrig).

Zida:

• Zachidule za Madalitso a Medicare
• Medicare & Inu 2010
• Madalitso a Medicare pamene Mulandira Mapindu Olemala
• Medicare Coverage of Dialysis ya Impso ndi Mapulogalamu Opatsirana Kukhudza Impso

2 -

Kodi Medicare Chigawo Chophimba N'chiyani?

Medicare Part A, yomwe imadziwikanso ngati ndondomeko ya Inshuwalansi ya Chipatala, imathandiza kuthandizira ndalama za chisamaliro m'zinthu izi:

• Kusamalira odwala m'mzipatala
• Kusamalira ana odwala matenda opatsirana pogwiritsa ntchito unamwino wothandizira
• Malo osungirako anthu odwala matenda opatsirana
• Ntchito zothandizira odwala
• Ntchito zina zothandizira zaumoyo
• Odwala matenda opatsirana maganizo komanso odwala matenda a maganizo

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.

Zida:

• Kumvetsetsa Medicare Part A
• Medicare & Inu 2010

3 -

Kodi Ndiyenera Kubwezera Chithandizo cha 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 yowonongeka kwa miyezi itatu musanafike tsiku lachisanu ndi chimodzi chotsatira kuti mulembe.

Zida:

• Pezani Malo Anu Otetezeka Pakompyuta
• Kumvetsetsa Medicare Part A

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Kodi Medicare Part B Ndi Chiyani?

Medicare Part B imadziwikanso ndi pulogalamu ya Medical Insurance. Kawirikawiri, Gawo B likuphatikiza mitundu iwiri ya mautumiki:

• Ntchito zachipatala - chithandizo chamankhwala chomwe mungafunikire kuchipeza ndi kuchiza matenda. Medicare ikhoza kulipiritsa zokhazokha zomwe iwo amazitanthauzira monga zofunikira za mankhwala.
• Ntchito zothandizira - chithandizo chaumoyo pofuna kupewa matenda (monga chimfine ) kapena kuthandiza kuthandizira matenda kumayambiriro koyambirira kuti athe kusamalidwa asanafike poipa (monga kuyeretsa khansa ya coloni ).

Pansi pa Gawo B, Medicare imathandiza kulipira zipangizo zamankhwala zolimba monga oxygen zipangizo, ma wheelchairs, walkers, ndi zipangizo zina zamankhwala zomwe dokotala wanu akulamula kuti muzigwiritsa ntchito panyumba panu.

Zida:

• Kumvetsetsa Medicare Part B
• Medicare & Inu 2010

5 -

Kodi Medicare Part D Gap Gap Ndi Chiyani?

Ambiri amagwiritsira ntchito mankhwala osokoneza bongo omwe amadziwika kuti ndi "dzenje". Izi zikutanthauza kuti pambuyo pa inu ndi dongosolo lanu la mankhwala mwakhala mukugwiritsa ntchito mankhwala enaake, mumayenera kulipira ndalama zonse zomwe mumakhala nazo. mankhwala anu (mpaka malire). Zomwe mumapereka chaka chilichonse, inshuwalansi yanu kapena mapepala, ndipo zomwe mukulipira mugawanika zonse zikuyang'ana malire awa.

Zida:

• Medicare Part D Kulembetsa
• Kumvetsa gawo D Donut Hole
• Lembetsani Mankhwala Anu Osokoneza Bongo mu Donut Hole

6 -

Kodi Lingaliro la Medigap N'chiyani?

Choyamba Medicare ( Gawo A ndi Gawo B ) amalipira ambiri, koma osati onse, ntchito zokhudzana ndi thanzi komanso mankhwala. Mukhoza kugula inshuwalansi kuti mupeze "malire" omwe salipidwa ndi Medicare, monga mapepala, ndalama zothandizira ndalama, komanso zoperekera ndalama zomwe zingawonjezere ndalama zambiri .

Ndondomeko zina za Medigap zidzalipiranso zithandizo zamankhwala kunja kwa United States ndi zina zothandizira zowonjezera zomwe sizinapangidwe ndi Medicare. Inshuwalansi ya Medigap (yomwe imatchedwanso Medicare Supplement Inshuwalansi) ndi yodzipereka ndipo muli ndi udindo pa premium kapena pachaka premium. Medicare salipira malipiro anu kuligula ndondomeko ya Medigap.

Zida:

• Kumvetsa Malamulo Anu a Medigap
• Kusankha ndondomeko ya Medigap

7 -

Ndondomeko Yabwino ya Medicare Ndi Chiyani?

Medicare Part C, yomwe imadziwikanso ngati pulogalamu ya Medicare Advantage , imakulolani kuti musankhe dongosolo laumoyo operekedwa ndi kampani ya inshuwalansi yapadera yomwe imavomerezedwa ndi Medicare. Medicare Zopindulitsa mapulani ndi awa:

• Mabungwe Othandiza Omwe Amasamalira (monga PPO kapena HMO)
• Ndondomeko zapadera zapadera

Mankhwala a Medicare Advantage amalandira malipiro kuchokera kwa Medicare kuti akupatseni madalitso omwe akugwiritsidwa ntchito ndi Medicare, kuphatikizapo Gawo A ndi Gawo B. Mapulani ambiri a Medicare Advantage ali ndi gawo lachidakwa cha D Dokotala ndipo ambiri amapereka chithandizo chowonjezera, monga masomphenya ndi chisamaliro, mazinyo, ndi mapulogalamu abwino.

Zida:

• Kumvetsetsa Thandizo Lanu la Medicare
• Medicare & Inu 2010

8 -

Kodi N'chiyani Chimachitika ndi Mankhwala Omwe Amasintha Pamoyo?

The Affordable Care Act imapanga kusintha kwa Medicare zomwe zikuwoneka kuti zidzakuthandizani phindu lanu komanso mwayi wanu wopita kuchipatala. Zina kusintha kwakukulu ndi:

• Kuwonjezera Kusungidwa kwa Gap: Ngati mufika pachithunzi chodziwika mu 2010 mudzalandira nthawi yowonjezera kubwereza kwa $ 250 kuchokera ku Medicare. Mu 2011, mudzatha kupeza mphotho ya 50% pa mankhwala osokoneza bongo komanso kuchotsera mankhwala osokoneza bongo pa 7% pazokha. Padzakhala ndalama zowonjezera mugawanika chaka chonse kufikira mutatsekedwa chaka cha 2020.
• Care Preventive: Kuyambira mu 2011, Medicare ikhoza kulipiritsa chaka ndi chaka, kuphatikizapo kufufuza thupi ndi kuthetsa ndalama zokwanira kugawira ntchito zothandizira komanso zowonetsera zoyenera.

9 -

Posachedwapa Ndidzakhala 65, Kodi Mankhwala Anga Ndi Otani?

Muli ndi zisankho ziwiri zomwe mungachite kuti mupeze Medicare - Original Medicare kapena Planare Advantage Plan. Ngati mutasankha Choyamba Medicare (chomwe chimaphatikizapo Gawo la A Inshuwalansi ya Chipatala ndi Part B Bungwe la Inshuwalansi), mudzakhalanso ndi mwayi wolembera Pulogalamu ya Ma ARV. Mudzafunikanso kusankha ngati mukufuna kugula Medicare Supplement Inshuwalansi (Medigap) kuti mulipire "malire" omwe akupezeka ku Medicare.

Ngati musankha Pulogalamu ya Medicare Advantage, mudzakhala ndi mwayi wosankha ndondomeko yomwe ikuphatikizapo kulandira mankhwala osokoneza bongo. Ngati muli ndi Mapulani a Medicare Advantage, simukusowa kufotokoza kwa Medigap.

Zida:

• Zachidule za Madalitso a Medicare
• Medicare & Inu 2010

10 -

Kodi "Zofunikira M'maganizo" Zimatanthauza Chiyani?

Medicare imangopereka ndalama zokhazokha zothandizira zomwe zikuwoneka kuti ndizofunika kuchipatala. Malingana ndi Medicare, mautumiki kapena zoperekera amaonedwa ngati ndizofunikira ngati mankhwala:

• Ndizoyenera komanso zofunikira kuti mudziwe, kapena chithandizo cha matenda anu.
• Amaperekedwanso kuti apeze matenda, kusamalidwa, komanso chithandizo cha matenda anu.
• Pezani miyezo ya mankhwala abwino kuchipatala chakudera lanu.
• Sitikufuna kuti inu kapena dokotala wanu mukhale bwino.

11 -

Nchifukwa chiyani Ntchito Zothandizira Ndizofunika Kwambiri?

Medicare amapereka chithandizo chamankhwala ena pofuna kupewa matenda (monga chimfine) kapena kuthandiza kuthandizira matenda kumayambiriro oyambirira kotero kuti akhoza kuyang'aniridwa asanayambe kuwonjezereka (monga kuyang'ana khansa ya coloni ). Dokotala wanu angakuuzeni mayesero omwe mumawafuna komanso nthawi zambiri mumawafuna.

Zida:

• Zitsogoleredwe ku Mapulogalamu Oteteza a Medicare
• Ntchito Zothandizira pa Medicare.gov

12 -

Kodi Zakudya Zamatenda Zimakhudza Bwanji Mankhwala?

Medicare imapereka zakudya zina za shuga, kuphatikizapo:

• mayendedwe a magazi a shuga
• kusamala kwa shuga
• zipangizo za lancet ndi lancets, ndi
• glucose njira zothetsera kuyang'ana kulondola kwa mayesero oyesa ndi oyang'anitsitsa.

Medicare ikhoza kuchepetsa kuchuluka kwa momwe mumapezera zimenezi kapena nthawi zambiri. Nthawi zonse Medicare sichitha insulini. Muyenera kulipira 100% kwa insulini (kupatula ngati mumagwiritsira ntchito mpweya wa insulini), siringi, ndi singano, pokhapokha ngati mwalembera dongosolo la mankhwala la Medicare Part D kapena muli ndi dongosolo la Medicare Advantage ndi kulandira mankhwala.

Zida:

• Kulimbana ndi Zakudya ndi Matenda a Shuga
• Medicare & Inu 2010

13 -

Kodi Medicare Amaphimba Dental Services?

Mankhwalawa samaphimba kawirikawiri machitidwe a mano monga kuyeretsa, kudzaza, kuchotsa dzino kapena mazira. Medicare Part A akhoza kulipira ntchito zina zamano zomwe mumapeza mukakhala kuchipatala. Mapulani ena a Medicare Advantage angaphatikizepo phindu la mano ngati phindu lina. Fufuzani ndi dongosolo lanu la Medicare Advantage kuti muwone zomwe mazinyo a mano amaphimbidwa, ngati alipo.

14 -

Kodi Mankhwala Amagetsi Amagwira Ntchito?

Medicare imaphatikizapo chithandizo cha matenda ndi maso pa ofesi ya dokotala komanso kuchipatala. Izi zimaphatikizapo chithandizo cha glaucoma ndi kuchotsa nthendayi.

Medicare sichikuphimba mtengo wa kachitidwe ka maso kawirikawiri kapena mtengo wa magalasi a maso kapena ma lens. Komabe, pakutsata opaleshoni ya cataract ndi diso la m'mimba, Medicare imathandizira kulipira magalasi ogonana, ma lens, kapena majekeseni operekedwa ndi ophthalmologist.

Zida:

• Medicare Coverage for Eye Care ndi Magalasi

15 -

Ndinasiya Medicare Card. Ndingapeze Bwanji Watsopano?

Ngati muli ndi Medicare (Part A ndi Part B), pitani Social Security pa 1-800-772-1213, kapena pitani ku www.socialsecurity.gov/medicarecard. Mukapempha kope la Medicare m'malo kapena pa foni, muyenera:

• Dzina lanu momwe ilo likuwonekera pa khadi lanu laposachedwa la Social Security
• Nambala Yanu Yopereka Chitetezo
• Tsiku lanu lobadwa

Muyenera kulandira makalata anu a Medicare m'malo mwa makalata pafupifupi masiku 30. Mukhozanso kuyendera ofesi ya Social Security. Ngati mwalembedwera mu Mapulani a Medicare Advantage ndipo munataya khadi lanu, dinani nambala ya utumiki wa makasitomala yanu kuti mulowe m'malo.

Zida:

• Pezani Ofesi Yanu Yogwirizanitsa Ntchito Yanu

16 -

Kodi Ndingatani Ngati Ndikufuna Mankhwala Osagwiritsidwa Ntchito Moyenera?

Malingana ndi Medicare, ngati mukusowa mankhwala omwe sali pa gawo lanu D gawo D, kapena ndilo m'ndandanda koma mukuganiza kuti ziyenera kubisika kwa ndalama zochepa, mungachite izi:

• Lumikizani ndondomekoyi ndipo funsani zosiyana. Mwinamwake muyenera kupereka chithandizo kwa dokotala wanu chifukwa chake mukufunikira mankhwala anu mapulani sadzaphimba.
• Ngati ndondomeko yanu ikukana chokha, mukhoza kupempha. Gawo lanu la Gawo D liyenera kukupatsani inu momwe mungapempherere.

Zida:

• Njira 10 Zopulumutsa Ndalama pa Mankhwala

17 -

Gawo langa D Ndondomeko ya Mavitamini Ali ndi Mankhwala Osokoneza Bongo ndi Otsatira. Zikutanthauza chiyani?

Mankhwala pa Gawo la D formulary kawirikawiri amagawidwa mu magawo atatu, ndipo ndalama zomwe mumalandira zimaperekedwa ndi mankhwala omwe mankhwala anu ali nawo. Dongosolo lachigawo cha D D mankhwalawa limaphatikizapo magawo atatu.

Gawo 1 liri ndi mgwirizano wotsika kwambiri ndipo kawirikawiri umaphatikizapo mankhwala ochiritsira.

Gawo 2 liri ndi malipiro apamwamba kwambiri kusiyana ndi gawo la 1 ndipo kawirikawiri limaphatikizapo mankhwala opangira dzina la mankhwala.

Gawo 3 liri ndi malipiro apamwamba kwambiri ndipo nthawi zambiri imaphatikizapo mankhwala osakondera omwe sali okondedwa. Ndondomeko yanu ikhoza kuika mankhwala m'zigawo zitatu chifukwa pali mankhwala omwewo omwe ali pamunsi wapangidwe wa formulary omwe angakupatseni phindu lomwelo pamtengo wotsika.

Zida:

• Kumvetsetsa Thanzi Lanu Lothandizira Mankhwala Osokoneza Bongo

18 -

Kodi Medicare Ndikundiphimba Pamene Ndimapita Kunja kwa United States?

The Original Medicare Plan zambiri sichisamalira zaumoyo pamene mukuyenda kunja kwa US ndi madera ake. Malingaliro ena a Medigap Otsata Odzidzimutsa Odwala Odzidzidzidwa mwamsangamsanga pamene mukuyenda kunja kwa US

Mapulani ena a Medicare Advantage angapereke madalitso ochuluka padziko lonse pa zosowa zaumoyo pamene mukuyenda kunja kwa United States. Musanapite kunja kwa dziko, fufuzani ndi dongosolo lanu la Medicare Advantage ponena za mapindu oyendera.

Ngati mukudziwa kuti simudzakhala ndi chithandizo chokhudza Medicare pamene mukuyenda, mungafunike kuganizira kugula inshuwalansi yaulendo wathanzi.

Zida:

• Medicare Coverage kunja kwa United States

19 -

Sindingathe Kugwiritsa Ntchito mankhwala ndi mankhwala oyenera. Ndingatani?

Muli ndi njira zingapo ngati mukufuna thandizo la mankhwala ndi mankhwala, monga premium, deductibles, ndi zina kunja-pocket ndalama. Zosankha izi ndizo:

• Medicaid
• Pulogalamu Yowonetsera Medicare
• Thandizo Lowonjezera ndi Ngongole Yapang'ono-Kuchokera
• Ndondomeko Yothandizira Amayi a State
• Pulogalamu Yothandizira Mankhwala

Zida:

• Thandizo la Medicare: Thandizo kwa Zamankhwala ndi Zamankhwala
• Zolumikiza ku Ma bungwe a State Medicaid
• Kulumikizana ndi Mautumiki a Pagulu: Malo Opeza Malo
• Thandizo Lowonjezereka ndi Mankhwala Ogwiritsa Ntchito Mankhwala Ogwiritsa Ntchito Mankhwala Owononga Madokotala

20 -

Kodi Ndingapeze Kuti Mayankho a Mafunso Anga Ponena za Medicare?

Ndidzakhala wokondwa kuyankha mafunso okhudza Medicare. Ngati ndilibe yankho, ndikukufunsani kapena kukupatsani zinthu zowonjezereka komanso zosakwanira. Ngati yankho la funso lanu liri lothandiza kwa owerenga ena, ndikhoza kulilemba ngati FAQ kapena mu Blog kapena tsamba langa.

Ngakhale kuti sindingathe kukulangizani za inshuwalansi yeniyeni, ndingakuuzeni zomwe mungasankhe komanso momwe mungapezere chidziwitso chomwe mukufuna.

Mukhozanso kupeza ena mwa mafunso anu a Medicare omwe mwachindunji mumayankhidwa kuchokera "pakamwa pa kavalo" ku Medicare Support Center.

Zida:

Kodi muli ndi mafunso okhudza Medicare? Kodi mukukhala ndi vuto ndi chithandizo cha Medicare kapena chiwerengero cha Medicare? Simudziwa komwe mungatembenuke?

Mafunso ndi Mavuto a Medicare: Kumene Mungapeze Thandizo kukuwonetsani zinthu zisanu ndi chimodzi zofunika kwambiri poyankha mafunso anu a Medicare ndi kuthetsa mavuto anu a Medicare.