Chii Chinokonzera Kukwereta?
Kwete chiremba wose anogamuchira Medicare . Kunyange kune avo vanoita, havasi vose vanotamba nemitemo yakafanana. Icho chinosanganisira kuti vachakubhadhara zvakadini nokuda kwebasa ravo. Kuziva chatinofanira kutarisa kana ukasarudza chiremba wako anogona kukuchengetedza mari.
Vanachiremba Vanosarudza-Kubuda kweMedare
Zvinhu zvekutanga kutanga, chiremba wako anotora Medicare here? Kuti uite kudaro, chiremba wako anoda kusarudza-kupinda mune Medicare.
Izvozvo zvinoreva kuti anobvuma kubvuma Medicare se inshuwarisi yako uye anobvumirana nemitemo inoshandiswa nehurumende yehurumende.
Nemhaka yekuwedzera mahofisi nemahofisi ehurumende, vanachiremba vanowedzera vari kusarudza kubva kuMedare . Muna 2010, madzimai chete 130 vakasarudza kubva muMedare asi nhamba yacho yakawedzera zvishoma nezvishoma gore rose, kusvikira yakasvika pakakwirira kupfuura 7 400 muna 2016. Kunyange zvazvo nhamba yakaderera kusvika 3 732 muna 2017, izvi zvingave zvisina kuenzanisira. Yaiva imwe nguva iyo chiremba aifanira kusarudza-kunze kwemakore maviri. Kutanga muna 2015, chikumbiro chokubuda chinogona kugara nokusingaperi. Izvi zvingadaro zvakakanganisa nhamba yezvinyorwa zvekubuda kubva muna 2017.
Kana chiremba wako asingagamuchiri Medicare kubhadhara, iwe unogona kunge uri mumatambudziko. Munyaya yezvokwadi yezvokurapa zvinotarisirwa, iye anosungirwa kukubata iwe. Kunze kweizvozvo, iwe unotarisirwa kubhadhara mabasa ake kunze kwehomwe. Izvi zvinogona kutengesa mari nokukurumidza.
Zviri pachena kuti mune zvaunonyanya kufarira kusarudza chiremba chinopinda-mu Medicare. Izvozvo zvingave zvisingakwanisi kuita nguva dzose kana kune chiremba chiremba munharaunda yako.
Vanachiremba Vanopinda-In uye Vanobvumirana neMedhiyo yeMedare
Kushandisa chiremba uyo anogamuchira inshuwarisi yako ichakuchengetedza mari asi iwe ungawedzera sei mari iyo?
Vanachiremba vanotambira Medicare kubhadhara vanowira mumapoka maviri. Avo avo "vanogamuchira basa" uye avo vasingaiti.
Gore roga roga, Centers for Medicare neMedicaid (CMS) inopa chirongwa chekubhadharwa kwechiremba. Vanachiremba vanobvumirana nemutambo uyu wekubhadhara "gamuchira basa" uye vanonzi vatori vechikamu. Vanobvumirana kuti vasazokubhadhara kupfuura mari yakakurudzirwa chero ipi zvayo inopiwa. Kuchengetedza kuongorora miedzo kunosununguka kwauri kana pavanorayirwa nemupiki anotora.
Vanachiremba Vanosarudza-Vanokutengai Zvimwe
Vanachiremba vasingagamuchiri basa, kune rumwe rutivi, vanotenda kuti mabasa avo anokosha kupfuura izvo zvakarongwa nemutori wemari yekurapa. Ava vasiri vatsigiri vanotora chikwereti vachakubhadhara kupfuura vamwe vanachiremba.
Medicare yakaisa muganhu wekuti vanachiremba vanogona kutenga mari yakawanda sei. Nhamba iyoyo inozivikanwa sehomwe yekudzivirira. Panguva ino yemazuva ano, mutengo wekugadzirisa unogadzirirwa pa15 muzana. Vanachiremba vanobhadhara zvinopfuura mari yekudzivirira vanogona kubviswa kubva purogiramu yeMedare.
Somuenzaniso, kana purogiramu yekubhadhara ikaronga basa re $ 100, chiremba anogona kukubhadhara kusvika $ 115 madhora. Medicare ichabhadhara kusvika ku $ 100 chikamu chebhadharo uye chiremba achakubhadhara iwe pachako nokuda kwe $ 15.
Zvinosuruvarisa, mutengo wokudzivirira unongowedzera kuvarapi vehutano. Vasiri-vanotora vatengesi vemishonga yezvokurapa , zvinoreva kuti "havagoni kuita basa" kana kuti vanobvuma purogiramu yekubhadhara, vanogona kukubhadharai sezvavanoda. Iyi ndiyo mhaka kunyange kana chiremba uyo akarayira kuti mishini yakagamuchira basa. Ndizvo zvaunofarira kutengesa kumakambani emakambani ekupa zvipatara anopa zvakanakisisa mari uye basa revatengi.
Zvinokurudzira kune vanachiremba
Chii chinorega kuti vose veMederal providers vasabatanidzwa? Hazviiti here kuti mhirizhonga iripo inobatsira kuti vawane mari yakawanda? Mhinduro yacho iri nyore. Vanachiremba vanokurudzirwa neMurengeti kuti vatore chikamu mumutengo wemari.
Medicare ichavhara 100 muzana yemutengo wekubhadharwa mutengo wemari yevatapi vemubatanidzwa kunze kwechikamu chezana 95 kubva kune vasiri vatsigiri. Taura zvakajeka, pamatarenda ega ega 100, munhu asingabatsiri anopa mari acharasikirwa ne $ 5 kubva kuMedare.
Kunyange zvazvo chiremba aigona kubhadhara $ 15 zvishoma nemari inokonzera, izvi zvaizova zvakanyanya kuva $ 10. Chiremba anofanira kuongorora kana kana kwete varwere varo vangave vakakwanisa kutenga mari yakawedzerwa kana kana mari yakawanda inogona kurasikirwa mune zvikwereti zvakashata uye mari yekuunganidza.
Zvimwe zvipo zvevatsigiri vanobatanidza zvinosanganisira:
- Free preventive screening. Kunyange zvazvo chiremba achiri kugamuchira kubhadhara kubva kuna Medicare nokuda kwekutarisira kwake, Medicare vanobhadhara vanobhadhara kwete kunze kwehomwe mari.
- Kurumidza kushandiswa kweMurengeti weMedare. Hurumende inonyanya kuzivikanwa nekunonoka kupindura nguva. Kuwedzera kubhadharwa kunobatsira zvikuru kune imwe nzvimbo yehutano.
- Medicare zvinyorwa. Medicare inokurudzira vatori vechikamu vanotora chikamu kune masangano makuru uye kune ani zvake anokumbira kuti awane zvinyorwa.
Iwe Uchabhadhara Zvakawanda Zvakadini
Mamwe maitiro ekudzivirira kuongororwa anosununguka kwauri apo iwe unogamuchira kutarisira kuburikidza nemupiro wekugovera. Mamwe nguva yose, Medicare inopa 80 muzana yemari yakakurudzirwa uye iwe unobhadhara 20 muzana .
Vagadziri Vachitora | Avo Vasingatori Vachiri Kuita | |
| Chiremba Fee Schedule Nyaya | $ 100 | $ 100 |
Kurambidza Charge | N / A | $ 15 (mazana 15 muzana) |
| Kuwanda Kwakaitwa Chiremba | $ 100 | $ 115 |
| Mishonga yakawanda sei Inosvika | $ 80 (80 muzana yemishonga yemari yaMedare) | $ 76 (95 kubva muzana ye80 muzana yemutengo wemari yaMedare) |
| Iwe Uchabhadhara Zvakawanda Zvakadini | $ 20 (20 muzana coinsurance) | $ 34 ($ 19 [95 muzana yehuwandu hwemazana 20 muzana coinsurance] + $ 15 muchengeti wemhosva) |
Kunzwisisa kuti sangano rinoshanda sei richakubatsira iwe kushandisa mari yako yakawanda. Tafura iri pamusoro apa inotaura kudengenyeka kwezvikwereti kana wakagamuchira imwechete $ 100 basa kubva kune mumwe aripo uye kwete uyo anopa chikamu.
Shoko kubva
Utano hwehutano hunodhura zvakakwana kunze kwokunge uchinetseka nezvechiremba wako achikubhadharira zvakawanda. Mishandiro yamunowana kune chero chiremba mune chirongwa cheMedare ndeyechete asi iwe unobatsira pakusununguka kusachengetedzwa kwekuchengetedza uye unogona kutengesa zvishoma kune mamwe mabasa ako kana ukasarudza munhu "anobvuma basa". Tsvaga mupiro weMedicure uye unowedzera zvipo.
Kunobva:
Boccuti, C. Kubhadhara Kushanyirwa Kwachiremba: Ikozvino Kudzivirira Kwemari kweVirwere VeMedare paKubata Mapiyona. Henry J. Kaiser Family Foundation. http://kff.org/medicare/issue-brief/paying-a-visit-to-the-doctor-current-financial-protections-for-medicare-patients-when-receiving-physician-services/. Yakabudiswa musi waApril 7, 2014.
> Dickinson V. Vashoma Madhodari Vari kubuda kunze kweMedare. Modern Healthcare. http://www.modernhealthcare.com/article/20180130/NEWS/180139995. Yakabudiswa musi waJanuary 30, 2018.
Medicare.gov. Mari Yekudhura neVatumwa t. http://www.medicare.gov/your-medicare-costs/part-a-costs/assignment/costs-and-assignment.html.