Kodi mungapeze kuti pamene Medicare sungapereke?
Medicare si sitolo imodzi yokha. Ngakhale zikuphatikizapo kuchuluka kwa misonkhano, zingakupangitseni kudzidalira nokha pazomwe mukufunika kuti muthe kuchipatala mukamakula. Mwachitsanzo, sichikuphimba makilogalamu amodzi (mwachitsanzo, magalasi amodzi kapena magalasi a maso), mano opangira mano, zothandizira kumva, kapena zingwe zoyera za akhungu. Mankhwala ena amachoka patebulo, ngakhale, ngakhale muli ndi dongosolo la mankhwala a D Part D.
Izi ndichifukwa chakuti Medicare silingaganize kuti zinthu izi ziyenera kukhala zofunikira. Mwamwayi, zomwe iwo samaziwona ngati zofunikira za mankhwala ndizo kusamalidwa komanso kusungirako anthu kumudzi kwa nthawi yaitali .
Kodi Kusamalidwa N'chiyani?
Pamaso a Centers for Medicare ndi Medicaid Services (CMS), kusamalira chisamaliro ndi chisamaliro chimene sichiyenera kuchitidwa ndi katswiri wodziwa bwino kapena wothandizira monga dokotala, namwino, kapena wodwala (mwachitsanzo, achipatala a zachipatala, odwala matupi , othandiza anthu ogwira ntchito, komanso othandizira olankhula). Kusamalidwa nthawi zambiri kumaphatikizapo kuthandizidwa ndi kusamba, kuyeretsa, kuphika, kuvala, ukhondo, komanso kuyenda kapena kuyambitsa.
Mwamwayi, ambiri okalamba m'nyumba za okalamba alipo chifukwa cha chitetezo. Iwo sangathe kudzisamalira okha chifukwa cha chifuwa chaumembala kapena matenda ena, ndipo iwo sangakhale nawo abanja kapena okondedwa omwe angawathandize.
Malingana ndi lipoti la 2016 la Vital Health Statistics lipoti la bungwe la US Health and Human Services (HHS) la United States, anthu ambiri omwe ali m'mabanja okalamba amafunikira kusamalidwa.
Peresenti ya anthu osowa thandizo ndi yaikulu:
- Kusamba - 96.4 peresenti
- Kuvala - 91,8 peresenti
- Kudya - 58.0 peresenti
- Kusamba - 87.9 peresenti
- Kutumizidwa kapena kutuluka pabedi - 85.2 peresenti
- Kuyenda - 90.7 peresenti
Kuwonjezeka Kowonjezera Kusamalira Achikulire kunyumba
Malingana ndi lipoti lomwelo la HHS, panali mabedi 1,7 miliyoni ogwiritsidwa ntchito okalamba omwe ali ndi maubwino opezeka mu 2014 komanso anthu 1,4 miliyoni omwe amakhalapo nthawi yaitali m'mabedi awo.
Poyang'ana pafupi, 16.1 peresenti ya anthu okhalamo anali pakati pa 65 ndi 74, 27.2 peresenti pakati pa 75 ndi 84, ndipo 41.6 peresenti 85 ndi zaka.
Akuti ana okwana 10,000 amatha kupitilira 65 tsiku lililonse kupyolera mu 2030, ndipo mwayi wawo, nthawi yokhala ndi moyo imakula. Kwa 2014, nthawi ya moyo ku America inali 78.8 zaka, kuwonjezeka kwa zaka 9.1 kuchokera mu 1960. Vuto lokhalo ndilokuti kukhala ndi moyo wautali kumapangitsa kuti munthu akhale ndi matenda ambiri angapo komanso kuti chiwopsezo chiwonjezeke.
Pofika mu 2016, anthu 54 miliyoni a ku America amapezeka ndi matenda a Alzheimers ndipo chiwerengerochi chikuyembekezeka kuwonjezeka kufika pa 5,8 miliyoni pofika 2020 ndi 8.4 miliyoni mu 2030. Ndipotu matenda a Alzheimer ndi dementia ali kale ndi anthu oposa 50 peresenti ya abambo onse okalamba.
Mukamaganizira zinthu izi, anthu okalamba ambiri amafunikira kusamalidwa pakhomo nthawi yayitali.
Ndalama Yeniyeni ya Care Home Care
Kusamalira kunyumba kwa achikulire sikutsika mtengo. Mtengo wapakatikati pamwezi ku United States kuti chipinda chogawanika ndi $ 6,692 pamwezi. Kwa chipinda chapadera, ndi $ 7,604 pamwezi.
Nyumba yosamalira anthu okalamba imakhala ndi ndalama zokwana $ 80,304 pachaka pa chipinda chogawanika ndi $ 91,248 pa chipinda chapadera.
Nambala zimenezo zingasinthe malinga ndi kumene mukukhala. Madera asanu okwera mtengo kwambiri ndi Alaska, Connecticut, Massachusetts, New York, ndi Hawaii, mwa dongosolo limenelo, ndi nyumba zina zokopa ku Alaska zimadya ndalama zokwana $ 23,451 pamwezi!
Maofesi osungirako okalamba omwe amawonongeka kwambiri ndi Oklahoma, Missouri, Louisiana, Kansas, ndi Arkansas, omwe amawononga ndalama zambiri pamwezi madola 5,000.
Pofotokoza izi, ambiri omwe amapereka ndalama zothandizira pantchito yopuma pantchito mu December 2016 anali $ 1,360.13 pamwezi pa $ 16,321.56 pachaka.
Pogwiritsa ntchito manambalawa, n'zosadabwitsa kuti anthu ochepa okha amatha kulipira okha kusamalirako kunyumba.
Kodi anthu angapeze kuti kuti apeze chithandizo cha kusamalirako? Kodi mungasankhe chiyani?
Medicare Coverage for Care Nursing Home
Sikuti Medicare salipira ndalama iliyonse yosamalira anthu okalamba. Zimalipira ena, koma ngati mwangobwera kuchipatala pokhapokha ngati mukufunikira kusamalira akatswiri masiku asanu pa sabata.
Sikuti mukufunikira kupita kuchipatala kuti mukalandire gawo la Medicare Part A , koma muyenera kuvomerezedwa ngati osachiritsika kwa masiku osachepera atatu. Mwachidwi, tsiku limene mumasamutsira kumwino wosungirako anamwino silinganene, ndipo movuta kwambiri ndi momwe CMS imatanthawuzira chisamaliro cha odwala.
Masiku ano mungathe kugona m'chipatala, koma izi sizikutanthauza kuti ndinu odwala. Chifukwa cha lamulo lomwe linakhazikitsidwa mu October 2013, lodziwika kuti Two-Midnight Rule , mukhoza kungoganiziridwa kuti ndinu osamalidwa bwino (mankhwala okhudzidwa ndi Medicare Part A) ngati nthawi yanu ikuyembekezerani kukhala nthawi yaitali kuposa zaka ziwiri komanso ngati mukusamalira amaonedwa kuti ndizofunikira mankhwala. Izi zikutanthauza kuti simungakhale m'chipatala chomwe mukusamalidwa chomwe chingaperekedwe kwina kulikonse.
Apo ayi, mudzayikidwa pansi pa kuwonetseredwa, kusamala komwe kuli ndi Medicare Part B.
Ngati mulandira chivomerezo cha unamwino wothandizira, Medicare Part A ili ndi masiku 20 oyambirira. Kwa masiku 21 mpaka 100, mudzalipira madola 164.50 patsiku mu 2017. Pambuyo masiku 100, muli nokha.
Zolemba za Medicaid for Care Nursing Home
Medicare imangopereka chithandizo chapakhomo panthaŵi yochepa chabe. Ndicho chifukwa chake anthu ambiri amapita ku Medicaid . Malinga ndi lipoti la 2016 la Vital Health Statistics, anthu 62.9 peresenti ogwira ntchito m'mabanja okalamba amagwiritsa ntchito Medicaid monga chitsimikizo chawo cholipira.
Si onse omwe amayenerera ku Medicaid. Kuyenerera kumasiyana ndi ana, amayi apakati, ndi ena akuluakulu. Mayiko omwe adalimbikitsa Medicaid pansi pa Chithandizo Chachidwi Chachidwi chinatsegulira anthu omwe alibe ana, pamene mayiko ena amaletsa anthuwa kuti asawafotokoze.
Komanso, pulogalamuyi imapangidwa kwa anthu omwe ali ndi ndalama zochepa. Ngakhale mutaganizira za izi, anthu okalamba amatha kukhala ndi ndalama zambiri atangoyamba kulipira nyumba yosamalirako nthawi yaitali.
Malingana ndi zofuna zake zachuma, Medicaid imatsimikiza kulandira malinga ndi ndalama zanu zamwezi ndi katundu wanu. Ndalamazi zikuphatikizapo annuities, mabanki akaunti, magalimoto (kuphatikizapo galimoto yanu yaikulu), mabungwe, ndalama ndalama zochulukira $ 2,000, ndalama kupereka kudzipereka inshuwalansi ya moyo (ntchito "moyo wonse" ndi "chilengedwe chonse" ndondomeko, osati ndondomeko moyo moyo) , Keogh ndondomeko, IRAs, ndalama zogulitsa ndalama, ndalama zothandizira ndalama, ndalama zapenshoni, nyumba zamalonda (osati nyumba yanu yoyamba mpaka mtengo wina malinga ndi boma), masitolo, ndi zinthu zomwe mungasankhe.
Dziko lirilonse limapereka ndalama zokwanira kuti likhale loyenerera, koma boma limapereka chofunikira kwambiri pa dziko lililonse. Muyenera kuyang'ana zofuna zanu kuti muwone ngati mukuyenerera.
Okalamba ambiri amataya katundu wawo kuti athe kupeza Medicaid. Ena amayesetsa kuteteza katundu wawo powapititsa ku mabanja ndi okondedwa awo.
Komabe, samalani! Kusamutsidwa kwa katundu mkati mwa miyezi 60 ya Medicaid yanu ikugwiritsidwa ntchito. Zosintha zomwe zikuchitika panthawi yam'mbuyoyi zingabweretse chilango kuchokera ku Medicaid, zomwe zingachititse kuchepetsa kusamalidwa kwanu kwa miyezi ndi zaka. Zimadalira ndalama zomwe mumasamalira komanso momwe mumakhalira. Ndi bwino kulankhula ndi loya wamkulu walamulo kuti akambirane zomwe mungasankhe musanapangire kusamutsidwa kulikonse.
Chiwerengero Chosamalira Chakuyamwitsa Kwawo
N'zotheka kugula inshuwalansi ya nthawi yaitali (LTC) kuti ikuthandizeni kulipira nyumba yosungirako anthu okalamba. Mapulani a inshuwaransi amalipira 5 peresenti ya chiwerengero cha anthu okalamba ku United States.
Inshuwalansi ya LTC ingakhale yothandiza kukhala nayo ngati mukusowa chisamaliro, koma ndalama zowonjezera zimakhala zodula komanso zosawerengeka kwa anthu ambiri. Zomwe zimayambira pafupipafupi zimakhala zikukwera kwambiri zomwe mumapeza, makamaka ngati thanzi lanu likuchepa. Anthu omwe ali ndi zaka zoposa 65 ndipo omwe ali ndi matenda aakulu nthawi zonse amatha kuwona ndalama zapadera pamwezi zikwi zambiri.
Kampani ya inshuwalansi ingakane kuti mumayambira pazomwe zilipo kale .
Inshuwalansi yodalirika nthawi zambiri imachita motere: Mumalipiritsa malipiro apakompyuta, ndipo ngati muli ndi zochitika zoyambitsa, mwachitsanzo, chinachake chomwe chimafuna kuti anthu azisamalidwa kunyumba kapena chithandizo chamankhwala a pakhomo nthawi yayitali, mumayamba kulandira malipiro a inshuwalansi. Zoperekazo zikhoza kuikidwa pazinthu zothandizira, koma kuchuluka kwa ndalamazo zidzakhazikitsidwa pa dongosolo lanu la inshuwalansi la LTC. Iwo akhoza kapena sangayambe kulipira mtengo wathunthu wa chisamaliro, ndipo malipiro amatha kungotenga nthawi yaitali.
Mawu Ochokera
Lero tikukhala motalika, ndipo kukhala ndi moyo wautali kumatanthauza kukonzekera zam'tsogolo. Zovuta ndizofunikira kuti muzisamalire nthawi yaitali mumsinkhu wanu, kaya ndi malo ogwira ntchito, nyumba yosungirako okalamba, kapena chithandizo chaumoyo. Kumvetsetsa zomwe mungasankhe komanso momwe angagwiritsire ntchito ndalama zingakuthandizeni kupanga zisankho zolinga zomwe zingachepetse mtolo wawo kwa okondedwa anu.
> Zotsatira:
> Matenda a Alzheimer. Matenda Achilombo Kupewa ndi Kukulitsa Zaumoyo, Malo Othandizira Kudzitetezera ndi Kupewa Matenda. https://www.cdc.gov/chronicdisease/resources/publications/aag/alzheimers.htm. Lofalitsidwa pa October 17, 2016.
> Imfa ndi Imfa. Pulogalamu ya National Health Statistics, Malo Othandizira Kuletsa ndi Kupewa Matenda. https://www.cdc.gov/nchs/fastats/deaths.htm. Lofalitsidwa pa March 17, 2017.
> Harris-Kojetin L, Sengupta M, Park-Lee E, ndi al. Omwe amasamalira nthawi yaitali ndi ogwiritsa ntchito ku United States: Deta kuchokera ku National Study of Long-Care Providers, 2013-2014. National Center for Statistics Statistics. Vital Health Stat. 2016; 3 (38): 1-118. https://www.cdc.gov/nchs/data/series/sr_03/sr03_038.pdf.
> Home Nursing Ndalama ndi State. SkilledNursingFacilities.org webusaitiyi. https://www.skillednursingfacilities.org/resources/nursing-home-costs/.
> Thandizo Labwino la Odwala. Webusaiti ya Medicare.gov. https://www.medicare.gov/kofunika/skilled-nursing-facility-care.html.