Ndeipi kupi iwe unogona kutendeuka kana Medicare isingabhadhara?
Medicare haisi dhizimisi rimwe chete. Kunyange zvazvo inobatanidza upamhi hwakawanda hwemashumiro, inogona kukusiya iwe kuti uzvidzivirire paunouya kune humwe hutano hwezvinokosha apo iwe uchikura. Semuenzaniso, haifaniri kugadzirisa lenzi (semuenzaniso, mashizha emagetsi kana magirazi emaziso), mazino, manzwiro ekunzwa, kana michena michena yemapofu. Mimwe mishonga inobva patafura, zvakare, kunyange kana une chikamu cheD Part D chirongwa chemishonga.
Ichi ndechokuti Medicare haifungi kuti zvinhu izvi zvinoda kurapa. Zvinosuruvarisa, izvo zvavasingaoni sezvinodiwa nemishonga ndezvokuchengetedzwa kwekuchengetedza uye kugara kwenguva refu yekuchengetedza musha pamba .
Chii Chinonzi Kuchengeta Kuchengetedzwa?
Mukuona kweCenter for Medicare neMedicaid Services (CMS), kuchengetedzwa kwekuchengetedzwa kwekuchengetedza ndiko kutarisirwa kusingafaniri kuitwa nemunhu ane unyanzvi kana kuti ane chiremba ane chiremba akadai sachiremba, mukoti, kana mushandi (semuenzaniso, vanachiremba vezvechiremba, vanachiremba , maitiro therapists, uye mazwi therapists). Kunyanya kuchengetedza kunowanzobatanidza rubatsiro nekugeza, kuchenesa, kubika, kupfeka, kuchenesa, uye kunyange kufamba kana kuunganidza.
Zvinosuruvarisa, vazhinji vakwegura mumisha yevakwegura varipo nekuda kwezvikonzero zvekuchengeteka. Havakwanisi kurarama vachizvimiririra nekuda kwedhementi kana zvimwe zvirwere, uye vangave vasina mhuri kana vadikanwa vanogona kuvatsigira.
Maererano ne2016 Vital Health Statistics yakashumwa neDhipatimendi reUnited Health uye Human Services (HHS) yeUnited States, ruzhinji rwevanhu vari mumisha inochengeterwa vakwegura inoda kuchengetedzwa.
Zvikamu zvevanhu vanoda rubatsiro zvakakura:
- Kushamba - 96.4 muzana
- Kupfeka - 91.8 muzana
- Kudya - 58.0 muzana
- Kuchenesa - 87.9 muzana
- Kuchinjwa kana kuti kubva pamubhedha - 85.2 muzana
- Kufamba - 90.7 muzana
Kuwedzera Kudiwa Kwekuchengetwa Kwekuchengetwa Kwemusha Mucheche
Maererano nemushumo iwoyo weHHS, pakange pane mamiririyoni emisha ekuchengetedza vana vane mamiriyoni 1.7 anowanikwa muna 2014 uye 1.4 mamiriyoni evanhu venguva yakazara vari mumabhedha.
Kutarisa zvakanyanya, 16.1 muzana yevagari vemo vakange vari pakati pemakore makumi matanhatu nematanhatu nemakumi manomwe nemakumi manomwe, 27.2 muzana pakati pemakore makumi manomwe nemazana makumi mapfumbamwe nemakumi mapfumbamwe nemana, uye 41.6 kubva kune makore 85 nemakore.
Inofungidzirwa kuti zviuru gumi zvevana vacheche vachabvumira makumi matanhatu nemashanu zuva rose kuburikidza ne2030, uye vane ruvengo kwavari, tarisiro yehupenyu inomuka zvakare. Kwegore ra2014, tarisiro yehupenyu muUnited States yakaenzana nemakore 78.8, kuwedzera kwemakore 9.1 kubva muna 1960. Dambudziko rega nderokuti kurarama kwenguva yakareba kunowedzera mikana yekuve nehuwandu husingaperi hwehutano uye neyo inouya kuwedzerwa ngozi yekuita.
Kubva muna 2016, mamiriyoni 54 eAmerica anoonekwa ane chirwere cheAlzheimer uye nhamba inotarisirwa kuwedzera kusvika mamiriyoni 5,8 kubva muna 2020 uye mamiriyoni 8.4 muna 2030. Kutaura zvazviri, chirwere cheAlzheimer uye dementia chave chiri chikamu chema50 kubva muzana yeimba yose yekuyamatira inodiwa.
Paunofunga nezvezvikonzero izvi, vakawanda vakwegura vangangoda kutarisirwa kwekuchengetedza musha kwenguva refu munguva yemberi.
Ichokwadi Chaicho Chokuchengetwa Kwemhuri Kuchengetedza
Kuchengetwa kwekuchengetwa kwemusha hakusi nyore. Ivhareji yemwedzi pamwedzi inoshandiswa muUnited States kuitira imwe nzvimbo inobhadharwa inosvika $ 6 692 pamwedzi. Kune imwe nzvimbo yega yega, inenge $ 7604 pamwedzi.
Pakati peimba yevanamukoti inotora $ 80,304 yega yega yega yega yega yega uye $ 91,248 yeimba yega.
Nhamba idzodzo dzinogona kusiyana maererano nekugara kwaunogara. Aya mashanu mashanu anonyanya kukosha ndeye Alaska, Connecticut, Massachusetts, New York, neHawaii, mune urongwa uhwu, pamwe nemamwe misha yevanamukoti muAlaska inotora mari inosvika $ 23,451 pamwedzi!
Izvo zvinodhura zvakanyanya zvinodhura zvekuchengetwa kweimba yekuchengetwa kwevana ndeye Oklahoma, Missouri, Louisiana, Kansas, uye Arkansas, pamwe nemavhareji emwedzi inotengesa mu $ 5,000.
Kuisa izvi nenzira yakajeka, mubairo wekubhadhara weSocial Security retirement benefits munaDisemba 2016 waiva $ 1,360.13 pamwedzi wehuwandu we $ 16,321.56 pagore.
Kubva pane nhamba idzi, hazvishamisi kuti vanhu vashomanana vanogona kubhadhara musha wekuchengetedza ivo pachavo.
Ndeipi vanhu vanogona kutendeuka kuti vawane ruzivo rwekuchengetwa kwekuchengetedza musha? Ndezvipi zvaunogona kuita?
Medicare Coverage for Home Nursing Care
Hazvirevi kuti Medicare haibhadhara mari yekuchengetedza mhuri. Inobhadhara kune vamwe, asi chete kana iwe uchangobva kubvumirwa kuchipatara uye kana iwe chete uchida kuchengetedza unyanzvi mazuva masere pavhiki.
Hausi iwe chete unoda kunge wakagara muchipatara kuti ukwanise kuwana iyi Medicare Part A kugoverwa, asi iwe unofanirwa kubvumidzwa sechipatara kwemazuva matatu. Zvinonzwisisika, zuva raunotamirwa kune unyanzvi hwekurapa unyanzvi haritauri, uye kunyanya kunyanya ndechekuti CMS inotsanangura sei kurapwa kwepatient.
Mazuva ano unogona kugara usiku hwose muchipatara, asi izvozvo hazvirevi kuti uri mucheche. Kutenda mutemo wakaiswa muna Gumiguru 2013, unozivikanwa seChiviri-Midnight Rule , iwe unogona kungofungidzirwa kuti uri muchengeti wekusununguka (kutarisirwa ne Medicare Part A) kana kugara kwako kunotarisirwa kupedza nguva yakareba kupfuura miviri miviri uye kana uwandu hwekutarisira inonzi inofanirwa nemishonga. Izvozvo zvinoreva kuti iwe haugoni kuva muchipatara ichigamuchira kutarisirwa kunogona kungoshandiswa nyore nyore kune imwe nzvimbo.
Kana zvisina kudaro, iwe uchaiswa pasi pekucherechedza, kutarisirwa kunofukidzwa neMurengeti Chikamu B.
Munyaya iyo iwe unowana ruzivo rwekuchengetedza vane unyanzvi, Medicare Part A inotanga mazuva makumi maviri ekutanga kwauri. Kwemazuva 21 kusvika ku100, iwe uchabhadhara $ 164.50 pazuva nezuva ra 2017. Mushure memazuva zana, iwe uri woga.
Medicaid Coverage for Nursing Home Care
Medicare inopa chete kutarisira kumusha kwekuchera kwekanguva. Ndicho chikonzero nei vanhu vazhinji vachidzokera kuMedicaid . Maererano nehupfumi hweshoko reVital Health Statistics ra2016, 62.9 muzana vagari mumisha yekuchengetedza vakashandisa Medicaid semutengo wavo wokubhadhara.
Haasi munhu wose anokodzera kuMedicaid. Kukodzera kunopesana nevana, vakadzi vane pamuviri, uye kune vamwe vanhu vakuru. Nyika dzinowedzera Medicaid pasi peChinotengeswa Care Care Act yakazarura kukodzera kune vasina kuroorwa vasina vana, asi dzimwe nyika dzinogona kusabvisa vanhu ivavo kubva pakugovera.
Uyezve, purogiramu yacho inogadzirirwa vanhu vane mari shoma. Kunyangwe paunofunga nezvazvo, vashomanana vakwegura vachava nemari yakawanda vanochengetwa mushure mokunge vatanga kubhadhara kwekuchengetwa kwekuchengetwa kwemusha kwenguva refu.
Maererano nemari yezvaanoda, Medicaid inogadza kukodzera kubva pamari yako yemwedzi nemari yako. Zvinhu izvi zvinosanganisira mabhizimusi, mabhengi emabhengi, motokari (kusabatanidzwa nemotokari yako yepamusoro), zvisungo, mari inodarika $ 2,000, kukosha kwekubhadhara mari yemishuwarenzi yehupenyu (inoshandiswa kune "hupenyu hwose" uye "hupenyu hwehupenyu hwose," kwete mararamiro ehupenyu kwenguva refu) , Keogh zvirongwa, IRAs, mari yemusika mari, mutengo wemari, mari yepensheni, imba yekutengesa (inosanganisira nzvimbo yako yekugara yekugara kusvika kune chimwe chinhu chinoenderana zvichienderana nehurumende), mashizha, uye kusarudzwa kwezvinhu.
Hurumende imwe neimwe inogadzirisa nzvimbo yayo yezvemari yekukodzera, asi hurumende yehurumende inoisa zvishoma zvido zvehurumende imwe neimwe. Iwe unofanirwa kutarisa zvinodiwa zvehurumende yako kuti uone kana iwe uchikodzera.
Vazhinji vakwegura vanoshandisa pasi pfuma yavo kuti vawane Medicaid. Vamwe vanoedza kuchengetedza zvinhu zvavo kuburikidza nekuvatumira kune vemhuri uye vadikanwa.
Zvisinei, chenjerera! Chero kushandiswa kwezvinhu mukati memwedzi 60 ye Medicaid yako yekushanda ichagadziriswa. Kuchinja kunoitika panguva iyi yekutsvaga kunogona kuunza zvirango kubva kuMedicaid, zvingangoderedza kuchera kwako kutarisirwa kwemwedzi kusvika kumakore. Ichabva pane mari yakawanda yaunoshandisa uye mune mararamiro aunogara. Zvakanakisisa kutaura nemumwe mutongi wemutemo mukuru kuti akurukure zvaunogona kuita usati waronga kuti chero kupi zvako kuendeswe.
Private Coverage for Nursing Home Care
Zvinokwanisika kutenga inshurenzi yenguva refu (LTC) inshurensi kubatsira kubatsira kubhadhara musha weukoti. Izvi zvirongwa zveinishuwarenzi zvinobhadhara 5 muzana yeimba yekuchengetedza dzimba muUnited States.
LTC inishuwarenzi inogona kubatsira kana iwe uchida kutarisirwa, asi mapeamendi anowanzove akadhura uye ari kunze kwevanhu vazhinji. Iyi mihorosiyamu inowanzokwira kune yakwegura yaunowana, kunyanya kana utano hwako huri kuderera. Vanhu vane makore anodarika makumi matanhatu nemashanu uye vane zvirwere zvisingagumi zvehutano vanogona kuona mwedzi yemwedzi miriyoni mumazana emadhora.
Kambani yeInishuwarensi inogona kukuramba iwe kugoverwa kunobva pane zvaitika kare .
Inishuwarenzi yenguva yakareba yekuchengetedza inowanzoshanda nenzira iyi: Unobhadhara miriyamu yemwedzi, uye kana iwe uri nechiitiko chinokonzera, kureva, chimwe chinhu chinoda imba yekuyamwisa kana kugara kwenguva refu yehutano hwemusha, unotanga kuwana mari yekubhadhara inshuwalisi. Izvo zvikwereti zvinogona kuiswa kune avo vane hanya mamwe mabasa, asi mari yezvikwereti izvozvo ichave yakagadzirirwa pane chirongwa chenyu cheUnited Insurance. Zvinogona kana kuti hazvikwanisi kubhadhara mari yakazara yekuchengetedza, uye mari yekubhadhara inogona kungopedza nguva yakati.
Shoko Rinobva
Nhasi tiri kurarama kwenguva yakareba, uye kurarama kwenguva yakareba kunoreva kuronga kwenguva yemberi. Matambudziko iwe unoda kutarisirwa kwenguva yakareba mumakore ako ekukwegura, pasinei nokuti iri mune imwe nzvimbo-inobatsira-nzvimbo yekugara, musha unochengeterwa vakwegura, kana sekutarisira utano hwemusha. Kunzwisisa zvaunogona kuita nekushambadzira kwauchazoita kuchakubatsira kuita zvisarudzo zvakajeka zvinogona kuderedza mutoro kune vaunoda.
> Sources:
> Dambudziko reAlzheimer. Zvirwere Zvisingagumi Kudzivirira uye Kukurudzira Utano, Zvikamu zveDaase Control and Prevention website. https://www.cdc.gov/chronicdisease/resources/publications/aag/alzheimers.htm. Yakabudiswa naOctober 17, 2016.
> Kufa uye Kufa. National Centre for Health Statistics, Zvikamu zveDaase Control and Prevention website. https://www.cdc.gov/nchs/fastats/deaths.htm. Yakabudiswa March 17, 2017.
> Harris-Kojetin L, Sengupta M, Park-Lee E, et al. Vashandi vekuchengetedza kwenguva refu uye vashandi vekushandisa muUnited States: Dheta kubva kuZvinyorwa zveZviso dzeMakore Ekupedzisira, 2013-2014. National Centre for Health Statistics. Vital Health Health Stat. 2016; 3 (38): 1-118. https://www.cdc.gov/nchs/data/series/sr_03/sr03_038.pdf.
> Mhuri yevachengeti Mari dzinoshandiswa neHurumende. SkilledNursingFacilities.org website. https://www.skillednursingfacilities.org/resources/nursing-home-costs/.
> Unyanzvi hwekuchengeta Nursing Facility Care. Medicare.gov website. https://www.medicare.gov/coverage/skilled-nursing-facility-care.html.