The Medicice Benefit Benefit ndi gawo lapadera la Medicare limene limalipira kulandira thandizo lachipatala . Ngati inu kapena wokondedwa wanu muli ndi Medicare ndipo mukuganiza kuti mukulembera ku chipatala, ndizo zomwe mukuyenera kudziwa zokhudza hospice ndi Hospice Medicare Benefit.
Sikuti aliyense akhoza kupeza hospice; muyenera kuyenerera. Kuti muyenere kulandira chipatala, muyenera kukhala ndi nthawi yokhala ndi moyo wosakwana miyezi isanu ndi umodzi.
Kuonjezerapo, muyenera kuvomereza kuti musapitirize kuchiza matenda anu odwala, m'malo mwa kusankha njira zomwe mungachite kuti mukhale osangalala ndi kukhalabe ndi moyo wabwino.
Ngati muli ndi Medicare ndikusankha bungwe lachipatala lodziwika bwino la Medicare kuti mupereke chisamaliro chanu kuchipatala, ndalamazo zilipidwa ndi Hospice Medicare Benefit.
Chimene Chipatala Chakudya Chakupindula Chimawathandiza
The Hospice Medicare Benefit imakhudza chisamaliro chonse chokhudzana ndi matenda anu othetsera ndipo ndikofunikira kuti mukhale omasuka. Zimalipira:
- Madokotala ndi anamwino.
- Mankhwala ofunikira kuti mukhale omasuka komanso oletsa kapena kuteteza zizindikiro zanu.
- Zakudya zathanzi zapakhomo zapakhomo kuti zithandize ndi kusamba ndi bedi kusintha.
- Zipangizo zamankhwala monga chikuku cha olumala kapena kuchipatala chofunikira kuti mukhale omasuka.
- Ogwira ntchito zapamwamba kuti akuthandizeni kukonza zochitika zanu ndikuthandizani inu ndi banja lanu kuthana ndi mavuto ndi maganizo.
- Chisamaliro chokhazikika chiyenera kupatsa wosamalira wanu mpumulo.
- Kulankhula, ntchito, kapena mankhwala akuyenera kuti mukhale omasuka kapena kukuphunzitsani momwe mungagwirire ndi kusintha kwa thupi lanu.
- Maphunziro a zamagetsi ngati kuli kofunikira.
- Uphungu wachisoni kwa inu ndi okondedwa anu.
- Kuloledwa kwa anthu odwala matenda odwala matenda odwala matenda odwala matenda opatsirana, ovomerezedwa ndi gulu la odwala, ndipo adalandira kuchipatala kapena chipatala chomwe chikugwiridwa ndi bungwe lanu lachipatala.
- Zina zilizonse gulu la odwala limamva kuti ndilofunika ndipo likugwirizana ndi kukhala ndi mtendere komanso kuchepetsa zizindikiro za matenda anu.
Zomwe Opaleshoni Amagwiritsira Ntchito Amagulu Sachikuta Silikuphimba
The Medicice Benefit Benefit sichikuphimba chirichonse chochiza kuchiza kwanu. Mwachitsanzo, zikhoza kuwonetsa mtengo wa mankhwala omwe amawathandiza kupwetekedwa ndi vutoli. Koma, sichikuphimba mankhwala opatsirana pogwiritsidwa ntchito pochiza matenda anu. Chinsinsi ndicho ngati chithandizochi ndikuteteza zizindikiro zanu kuti mukhale omasuka (kapena kuphimba), kapena ngati chithandizochi ndicho kuyesa matenda anu odwala (osaphimbidwa).
Silikuphimba mtengo wa chipinda ndi bolodi. Izi sizingakhale vuto ngati muli kunyumba kwanu. Koma, ngati muli mu nyumba yosungirako anthu okalamba, pakhomo pakhomo, pakhomo ndi pakhomo, kapena mukakhala kumalo osungirako odwala, mudzakhala ndi udindo wodula bolodi lanu ndi ndalama zanu. Ngati zikuwonekeratu kuti mukuyenera kukhala m'nyumba yosungirako anthu okalamba, kukhala ndi moyo wathandi, kapena chipatala koma simungathe kupeza chipinda ndi malo ogulitsira, magulu ena ogwira ntchito odwala adzalandira zopereka zothandizira kuti azikuthandizani. Izi zimachitidwa pazochitika-ndi-chifukwa maziko, kotero ngati mulosera izi zingakhale zovuta, funsani za izo pamene mukusankha bungwe lachipatala limene mungagwiritse ntchito.
Chipinda chodzidzimutsa ndi ma ambulansi sizinaphatikizidwe ndi Hospice Medicare Benefit pokhapokha gulu lanu lachipatala likumverera kuti liri lofunikira, lokhudzana ndi matenda anu othetsera, ndipo limakonzekera kuti mugwiritse ntchito kulandira mautumikiwa.
Zimene Muyenera Kulipira
Mudzakhala ndi copay yaing'ono ya madola 5 a mankhwala, ngakhale mabungwe ena ogwira ntchito kuzipatala amadikirira copay. Mudzakhala ndi ndalama zokwanira 5% za mtengo wapadera, koma osapitirira $ 12 patsiku. Mutha kulipira ndalama za Medicare Part B ndi kulimbikitsana kwa madokotala onse omwe mumalandira kuchokera kwa dokotala amene sakugwira ntchito ku bungwe lanu lachipatala.
Muyenera kupitiliza kupereka malipiro aliwonse omwe mumalipira musanayambe kulemba ku hospice. Mwachitsanzo, ngati mutalipira premium Part B premium kapena premium pa ndondomeko ya Medigap , muyenera kupitiriza kulipira premiums.
Kodi Mungatani Kuti Muzipindula ndi Thandizo Labwino?
Odwala okha omwe amalandira mankhwalawa akhoza kupeza Hospice Medicare Benefit. Mukasankha kulembetsa pulogalamu yachipatala, mbali imodzi yolembera ku chipatala ikusintha kuchokera ku pulani yanu ya Medicare kupita ku Hospice Medicare Benefit. Anthu ogwira ntchito kuchipatala omwe akuthandizani kulembetsa pulojekitiyi akuthandizani kuti mulembetse ku Medicice Benefit Benefits.
Momwe Odwala Amathandizira Ntchito Zopindulitsa
The Medicice Benefit Benefit ndi gawo la Medicare Part A. Mukalembetsa kwa hospice, kaya muli pa Medicare Yoyamba kapena Pulogalamu ya Medicare Advantage monga Medicare HMO , mumasinthidwa kuti muyambe ku Medicare. Choyamba Medicare Gawo A lidzalipiritsa gulu la odwala kuti likhale ndi ndalama zokwanira madola tsiku lililonse. Ndalama iyi ya dollar-day-day imadziwika ngati mlingo wokwanira.
Bungwe la anthu odwala limapereka chithandizo chokwanira chokwanira kuchipatala nthawi zonse. Amapeza ndalama izi tsiku ndi tsiku kaya namwino wodwala kuchipatala kapena wothandizira zaumoyo akubwera kudzakuchezerani tsiku limenelo.
Gulu lachipatala tsopano likufanana ndi HMO chifukwa mumaloledwa kupeza chithandizo chamankhwala chokhudzana ndi matenda anu odwala kuchipatalachi , kapena kuchokera kwa wothandizira zaumoyo wina amene akugwirizana nawo. Mwachitsanzo, ngati mukufuna mpweya wokhala kunyumba ndi bedi lachipatala, simungathe kuwapeza kuchokera ku zipangizo zamankhwala zomwe mumasankha. M'malo mwake, muyenera kuwatenga kuchokera ku zipangizo zachipatala zomwe bungwe lanu lachipatala limagwirizana nazo, ndipo adokotala anu ayenera kuvomereza kuti mukufunikira izi.
Mutha kupeza ntchito zothandizira zaumoyo zomwe sizikugwirizana ndi matenda anu odwala omwe sali odwala. Mwachitsanzo, ngati matenda anu ali ndi khansa, mukhoza kupitiriza kuona katswiri wanu wamaphunziro kuti muzitsatira mtima wanu wamaganizo chifukwa simukugwirizana ndi matenda anu. Hospice sidzalipiritsa kwa katswiri wa cardipiti kuchokera pachidziwitso chake chifukwa ulendo wa dokotala uja sunali wokhudzana ndi matenda anu odwala. Komabe, Choyambirira Medicare Part B chidzabwezera kwa katswiri wa zamoyo monga momwe zinaliri kale.
Chitsanzo china, ngati matenda anu ali ndi matenda oopsa kwambiri ndipo muyenera kupita kuchipatala chifukwa munagwidwa ndi kuthyola mchiuno, Choyamba Medicare Part A ikhoza kubwezera kuchipatala chanu, ndipo Original Medicare Part B ikhoza kulipira ngongole yogwirizanitsidwa ndi chiuno chako. Mwanjira iyi, hospice ndi Medicare amagwirira ntchito limodzi kuti apeze ndalama za matenda anu odwala (ndi Hospice Medicare Benefit) komanso ndalama zothandizira zaumoyo zosagwirizana ndi matenda anu odwala (ndi Medicare Parts A ndi B.)
Kodi Chimachitika Bwanji Ngati Mukusintha Maganizo Anu Pambuyo Pambuyo Pambuyo Pomwe Mukuyambira Pachipatala cha Medicare Benefit
Ngati mutasintha maganizo anu ponena za chipatala mutatha kulemba, mutha kubwezeretsa Hospice Medicare Benefit ndikubwerera ku Original Medicare.
Ngati mukufuna kupitiliza kulandira thandizo la alendo, koma musinthe malingaliro anu pokhudza bungwe la odwala limene mwasankha, mukhoza kusinthana ndi bungwe lina lachipatala. Komabe, simungathe kusinthana mabungwe odwala nthawi iliyonse yomwe mukufuna. Mukhoza kusintha nthawi imodzi m'masiku 90 oyang'anira chisamaliro chanu, nthawi imodzi pa masiku achiwiri 90 a chisamaliro chanu, ndipo kamodzi pa masiku makumi asanu ndi limodzi pambuyo pake. Tikuyembekeza, mudzasankha bungwe lachipatala limene mudzakondwera nawo ndipo simukusowa kusintha.