Zvinyorwa Zvokubhadhara Chirongwa Chekuchengetedza Unyanzvi (Long-Term Care)
Kunyange zvazvo vakwegura vane unyanzvi (inonziwo misha yevanamukoti, nzvimbo dzinoshandiswa kugadziriswa, kana zvivako zvekugara kwenguva refu) inodhura, inowanzosvitsa mari kudarika kutarisira maawa 24 kumba. Izvi zvivako zvinogona kutarisira nguva refu, asi vazhinji vanopawo nguva shomanana yekuvandudza nechinangwa chekudzokera kumusha. Kana iwe kana mudiwa wako angada kutarisirwa mumusha unochengeterwa vakwegura, inobhadhara kuziva mahomwe ako okubhadhara kumusoro.
Zvisarudzo zvekubhadhara musha wevanamukoti (unyanzvi hwokurapa unyanzvi) hunosanganisira zvinotevera:
1) Medicare
Medicare inobatsira yehurumende inobhadhara mari yemazuva mashomanana ekugadziriswa kwepachipatara kune imwe nyanzvi yekurapa vane unyanzvi. Izvi zvinowanzozonzi "sub-acute rehab" kana kuti "kutarisa kwenguva refu." Vanhu vazhinji vanoona kurarama kwenguva refu, kusagadzikana kwepfungwa kunogara semugumisiro kubva pakuputika kwechiuno , chirwere, kana chirwere chemoyo, kunyange pane zvimwe zvikonzero zvizhinji munhu angada chimiro chemuviri, chebasa, kana remutauro, uye nokudaro anokwanisa kuwana chinyorwa ichi.
Kuti uwane chikwereti kune Medicare, unofanira kunge uine makore anopfuura makumi matanhatu, uine hutachiona hwakanyorwa, kana kuti ugova nemagumo-stal renal chirwere.
Kana iwe uchikodzera, Medicare inopa huwandu hwakanaka hwekuchengetedza dzimba dzemari, asi zvakakosha kuziva kuti kugoverwa uku ndekwenguva pfupi uye kunongowanikwa pasi pemamwe mamiriro ezvinhu. Medicare haibhadhara muchengeti ane unyanzvi hwokutarisira nguva dzose.
Nzira Yokuwana nayo Medicare Coverage
Mari yekubhadhara mari yeMedare haisi chimwe chinhu chaunofanira kuisa kana kuisa chirevo chinotsanangura zvaunoda. Iwe unotsvaga kukwanisa kuwana zvikomborero izvi kana une Medicare Part A uye Medicare Part B. Kazhinji, kana ukawana Social Security rubatsiro kana Railroad Retirement Board inobatsira, iwe pachako uchafukidzwa neMurengeti weAA uye chikamu B.
Ndezvipi Zvinoda Kurapa Zvicharapa?
Medicare ichavhara chiyero chezuva nezuva kuti iwe ugamuchire kurapwa kwepachirwere, chirongwa chebasa , uye / kana chirwere chekutaura . Medicare inosanganisirawo mishonga yako, kurapwa, uye zvekurapa munguva ino.
Ndezvipi Zvinodiwa Muchidimbu Mishonga Inobhadhara Mari Iri?
Iwe unofanira kusangana nemamiriro ezvinhu anotevera:
Chipatara chemazuva matatu Gara
Iwe unofanirwa kunge wakave nechipatara chemazuva matatu chakange chichionekwa se "mu-murwere" achigara nechipatara. Izvi zvinorevei kuti kana iwe uchingorongedzerwa se "kurangarira" murwere, Medicare haifaniri kuvhara kushanda kwechiremba unyanzvi hwokugadzirisa.
Uyezve, kana chirwere chako chakarongerwa sechirwere asi iwe wakanga uchingopedza makore maviri (iyo nguva yavanoshandisa kuratidza rimwe zuva), Medicare haifaniri kuvhara chirwere chekugadzirisa zvirwere.
Iwe unofanirwa kukumbira kuchipatara kana kugara kwako kwave kuchionekwa sechirwere chepfungwa kana kutarisa, uyewo chengetedza kuti wakambosangana nemasazuva matatu ekugara kwekuda kuitira kuti uwane Medicare zvakabatsiri zvekurapa kwekurapa.
Zvirongwa zvenguva
Kana iwe ukasangana nezuva remazuva matatu uchigara muzvipatara, iwe unogona kushandisa Medicare kubatsirwa chete mushure mekugara kwechipatara nekutsvaga zvakananga kune unyanzvi hwokurapa unyanzvi hwekuvandudza.
Zvisinei, iwe unogonawo kuwana iyi Medicare inobatsira kusvikira mazuva makumi matatu mushure mekufanirwa kugarirwa kuchipatara. Somuenzaniso, izvi zvinoreva kuti iwe unogona kusarudza kuenda kumba kubva kuchipatara mushure mekunge uine chirwere chokuputika, uye vhiki nhatu mushure meizvi, unogona kusarudza kugoverwa kune imwe nzvimbo yekugarisa uye kugamuchira Medicare rubatsiro kuti uwane kugara kwako uye kurapa kwakabhadharwa neMedare. Chikonzero iwe unopinda unyanzvi hwekurapa unyanzvi unofanira kunge wakafanana nemamiriro ezvinhu awakagara muchipatara.
Zvirwere Zvokurapa
Pane imwe nguva kune unyanzvi hwekuyamwisa, iwe unofanirawo kuramba uchitsvaga maitiro ekurapa kwaMedare.
Iyi nzira inobva kuMedareti Data Set (MDS) kuongororwa iyo vashandi vanofanira kuenderera mberi vachiitisa panguva dzakatarwa kuti vaone kushanda kwako. MDS inongororo yakazara yakazadzirwa nevashandi vanobva munzvimbo dzakasiyana dzakasiyana-siyana kusanganisira vanachiremba, mabasa ezvokudya, mabasa uye zvekugarisana nevamwe. Inoyera maitiro ako ezvino uye kufambira mberi kwako kune zvinangwa zvako.
Kana iwe uchiramba uchitsvaga kutarisira unyanzvi, zvakadai sepanyama, basa, kana chirongwa chekutaura, kana kuti kutarisirwa kwakapiwa kana kutarisirwa nevanamukoti vane chiremba, Medicare ichabhadhara kuti chirwere chako chekugadzirisa zvirwere chigare. Kana uchinge usingadi kutarisirwa kunoenderana neMDC, iwe uchagamuchira chiziviso chakanyorwa chinokuyambira kuti Medicare haichazobhadhara kuvhara mazano aya.
Murepa Anobhadhara Mari Yose Here?
Mhinduro mhomanana: Izvo zvinoenderana nekureba kwei iwe uri kugamuchira kutarisira kune unyanzvi hwekuyamwisa unyanzvi.
Mhinduro yakareba: Medicare ichavhara 100 muzana yemazuva makumi maviri ekutanga ekugadziriswa mune imwe nzvimbo yekuchengetedza kwenguva refu, chero bedzi iwe uchiramba uchisangana nematambudziko mukati memazuva makumi maviri kuti uwane chikamu ichocho.
Kutanga pazuva re21, iwe uchava nemhosva yekubhadhara pamwe chete pazuva uye ipapo Medicare ichabhadhara zvakasara zvebhadharo zuva nezuva kwemazuva zana.
Iwe unogona kutenga inshuwalisi yekugadzirisa kubhadhara ikoku kubhadharwa kwekubhadhara nekutenga supplemental mutemo (inonziwo Medigap inshuwarisi). Mazano akawanda ekuwedzera mamwe mazano anovhara iyo kubhadhara kubhadharwa kuitira kuti zvizoguma zvive pasina chekuita zvekubhadhara mari yako yekugadzirisa zvirwere.
Mushonga Unogara Uchifukidza Mazuva 100 Evanhu Vasingagoni Kurapa Kuvandudzwa Here?
Vanhu vazhinji vari pasi pekufungidzira kwenhema kuti Medicare ichakurumidza kupa mazuva zana emukoti unyanzvi hwekuchengetedza / kugoverwa zvakare. Medicare ichapa izvi kubatsiro kwemazuva zana, asi nekuda kwetsika yakagadzwa, vanhu vazhinji vanongogamuchira mazuva mashomanana kana vhiki dzekugovera. Hapana chivimbo chekuwanda kwemazuva ayo Medicare ichabhadhara nekuda kwebatsiro iri; pane kudaro, zvinoenderana nezvinodiwa nomunhu mumwe nomumwe uye kuongorora kwavo MDS.
Ndeipi Kazhinji Munhu Angashandisa Iyi Medicare Benefit?
Medicare ichabhadhara kubasa rekuchengetedza kumba kune kamwe chete. Kuti uwane ruzivo urwu kana wave watoishandisa kare, iwe unofanirwa kuva nemazuva 60 apo iwe usina kushandisa, uye iwe uchazokodzera zvakare. Mune mamwe mazwi, Kana mazuva makumi matanhatu apfuura pasina iwe kushandisa Medicare yako kubatsira muchipatara kana unyanzvi hwokurapa ane unyanzvi, kubatsirwa kunovandudza uye kunowanikwa zvakare.
Ndeapi Muzvivako Zvichapa Mishonga Kubhadharira Kurapa Kurapa?
Nyanzvi yekurapa ane unyanzvi inofanira kubudiswa ne Medicare kuti ipe chirongwa ichi chekurapa. Iwe unogona kuongorora runyoro rwemisha yevanamukoti paMedareare.gov, uyewo kuona kuti imwe nhandare yakarongwa sei. Kusarudza nekutsvakurudza nzvimbo kunogona kuva basa rinotyisa, asi pane zvakawanda zvingashandiswa kubatsira.
2) Medicare Advantage Plans
Vamwe vanhu vakasarudza kubva kune chirongwa cheMedare chirongwa uye panzvimbo iyo vakasarudza izvo zvinonzi chirongwa cheMedare Advantage. Ichi ndicho chirwere cheMedare chinotungamirirwa nerimwe boka kunze kwehurumende yehurumende. Medicare Advantage plans (iyo inonziwo Medicare Part C) inopa ruzivo rwakafanana nekuenzanisa urongwa hweMedare hwemagariro, nezvimwe zvishoma:
- Mamwe mazano anobatsira haadi kuti mazuva matatu ari muchipatara anogara muzvipatara. Vanogona kugovera mari mune imwe nyanzvi yekurapa vane unyanzvi kunyange kana munhu wacho achibvumirwa kubva kumba kwake kana kuti ane chipatara chisati chidarika chemazuva matatu.
- Mamwe mazano ane mazano ane zvimwe zvivako zvavanofunga mu-network (kana kuti zvinoshandiswa) uye nezvimwe zvinotaurwa sekunze. Kana muchengeti ane unyanzvi waunoda kuenda kune yekurapa chirwere chekushaya hutachiona hausi muhutano hwako hweAdvantage urongwa, maitiro ako haagoni kuvharwa kana kuti angave akafukidzirwa nemutengo wakaderera.
- Mazano mazhinji Anobatsira anoda kutanga kugoneswa neurongwa hwehushuwarisi hwebasa rako rinofanira kuvharwa, asi Medicare yemagariro haifaniri izvi. Iyi mvumo yapamberi inosanganisira imba yekuyamwisa kana chipatara kutumira ruzivo rwezvechirwere kune chirongwa che inshuwarisi iyo inodzokororwa. Purogiramu Inobatsira iyo inoita chisarudzo pamusoro pokuti ingazoita here kana kuti haifaniri kuvhara kudzorera kwako kune unyanzvi hwekuyamwisa unyanzvi. Kana mvumo yapamberi isati yamboitwa kana kugara kwako kusagamuchirwa, chirongwa cheAdvantage hachikwanisi kubhadhara kutarisira kwako pane imwe nzvimbo inpatient.
3) Yenguva refu yekuchengetedza Inishuwarenzi
Inishuwarenzi yekuchengetedza kwenguva refu ndiyo inshurensi iwe unogona kutenga iyo inobhadhara imwe nguva yenguva muimba yekuchengetedza vakwegura / nyanzvi yekurapa vane unyanzvi . Mutengo uye chiyero chekugoverana chinowirirana zvikuru maererano nehurefu hwehuwandu hwaunotenga uye kana iwe ukasarudza kuzadza zvizere kana zvishoma.
Uyezve, mazhinji makambani einishuwarensi ekuchengetedza ane hurongwa hwemamiriro kana mishonga inogona kuita kuti munhu haakwanisi kubhadhara kana kuwedzera mari yakawanda. Izvo zvinowanzobatanidza mamiriro ezvinhu ehutano sezvakaita chirwere cheAlzheimer kana zvimwe zvinodhaka , chirwere chePasinson, mamwe mamiriro emwoyo, uye kushandiswa kweimwe mishonga yemapfungwa .
Kana iwe ukakumbira inshuwarisi yekugara kwenguva yakareba iwe uchiri muduku uye kazhinji uine utano hwakanaka, iwe uchabhadhara miriyamu kwenguva yakareba asi kazhinji kazhinji muzinga wakaderera. Kana iwe ukashandisa kana iwe wakwegura apo mukana wekuda chiremba inowedzera, mwero wako wegore negore we inshurensi yekuchengetedza kwenguva refu ichave yakakwirira zvikuru.
Kunyangwe kushandiswa kwenguva refu yuri inshuwarisi yakakodzera iwe kunobva pane zvinhu zvakawanda, saka iwe unoda kutaura neinishuwarenzi yako yehushuga pamusoro pekutengesa uye kusarudzwa kwarudzo.
4) Medicaid
Vanhu vazhinji vanoisa mari yekuchengetedza kwavo gare gare muupenyu, asi dzimwe nguva mari yekutarisira kwavo inoshandisa mari iyo nokukurumidza zvikuru, kunyange kana vakaedza kuronga zvakanaka uye kuchengetedza mari yavo. Kana mari yako yemari yakapera, iwe unogona kushanda kuMedicaid .
Medicaid inobatsira hurumende yehurumende inotungamirirwa nehurumende imwe neimwe yevaya vane mari yakapera. Mumwe munhu anofanira kukodzera kuwana mari (nekuita zvishoma kudarika $ 2,000 muzvinhu zvinoverengeka) uye akafanirwa nemishonga (kuburikidza nehuwandu hwehutano hwekuchengetedza hunoratidza kuti iye zvechokwadi anoda rubatsiro rwekuchengetedza musha, panzvimbo yekubatsira kurarama kana kumusha .)
Medicaid inewo zvimwe zvigadziro zvekudzivirira kusuruvara kune mumwe mukadzi weimba yevanamwisa vanogara avo vacharamba vachigara mumusha wavo kana mune imwe nzvimbo (yakadai sedare rekuzvimirira kana nzvimbo inobatsira inobatsira).
5) Veterans Administration Aid uye Pamberi
Kana iwe uye / kana wako kana mukomana wako mhare, unogona kukodzera rubatsiro rwemari kuburikidza neVeterans Administration. Iwe unofanirwa kutumira shanduro inogona kutora anenge mwedzi mitatu kuti iongororwe. Mushure mokubvumirwa, iwe uchakwanisa kubhadhara mwedzi mumwe nomumwe munhu wese wakashanda. Iyi mari inogona kushandiswa kubatsira kubatsira kubhadhara muimba yevanamukoti.
6) Pay Pay (Kubva muPocket)
Imwe nzira yekubhadhara kuchengetwa mune imwe nzvimbo ndeyekubhadhara muhomwe, kana izvo zvinowanzotumidzwa sehomwe yega . Kubhadhara uri oga kune nzvimbo yekuchengetedza nzvimbo kunowanzoreva kuti une zvakawanda zvingasarudzwa pamusoro pekushanyira nzvimbo iyo, sezvo zvivako zvakawanda zvinoda kubhadhara mari yega kana Medicare vatengi, pane Medicaid.
Kubhadhara pamba pekuchengetedza zvivako kunodhura, pamwe nemari inogona kuwanika chero kupi zvako kubva pa $ 250- $ 350 pazuva (nezvimwe) zvekutarisira. Izvozvo zvinogona kusvika kumadhora e $ 80,000 kusvika ku $ 125,000 / gore, uye izvo zvingangodaro kune imwe nzvimbo yega-yega (yakagoverwa). Zvimwe zvivako zvinopa dzimba dzoga yega mari yekuwedzera pazuva.
Shoko Rinobva
Kuronga mberi uye kuziva zvaunogona kusarudza zvinogona kubatsira zvikuru kana iwe unotarisana nemukana wekubhadhara kuchengetwa kwechiremba vane unyanzvi. Uyezve, mamwe masangano emunharaunda nemisha yevanamukoti vane nhengo dzevashandi dzinowanikwa kuti dzikubatsire kuwana izvi.
Kunyange zvazvo mari yekuchengetwa kwekuchengetedza musha yakakosha, tinotarisira kuti zvinokurudzira kuziva kuti kune zvakasiyana siyana zvinogona kuwanikwa kubatsira kubhadhara mari iyo kana, sevakawanda, haugoni kubhadhara mari yakazara yekuchengetwa.
> Sources:
> Medicare.gov. Home Nursing Compare. https://www.medicare.gov/nursinghomecompare/search.html?
> Medicare.gov. Ndingabhadhara sei mari yekuchengetedza musha wevanamukoti? https://www.medicare.gov/what-medicare-covers/part-a/paying-for-nursing-home-care.html
> Dhipatimendi reUnited Health yeHurumende neHuman Services. LongTermCare.gov. Ndiani anokweretesa kwenguva refu? https://longtermcare.acl.gov/the-basics/who-pays-for-long-term-care.html
> Dhipatimendi reUnited Health yeHurumende neHuman Services. LongTermCare.gov. Medicare. \ https://longtermcare.acl.gov/medicare-medicaid-more/medicare.html