Current Information About the Medicare Program
Medicare chirongwa chehurumende yehurumende inopa inshuwarhu yehutano kuvanhu vane makore 65 nekure, vanhu vari pasi pemakore makumi matanhatu vane humwe hurema, uye vanhu vane kusagadzikana kwetsvo kusingagumi kunoda dialysis kana kuchinja kwepvo. Purogiramu ye Medicare inoumbwa ne "nhengo" dzinoverengeka dzinopa zvikwereti zvakasiyana-siyana, kusanganisira inshuwarisi yechipatara Chikamu A), inshuwarisi yezvehutano yevashandi '(Chikamu B), uye mishonga yemishonga ( Chikamu D ).
The Medicare Support Center ndiyo inowanikwa nehurumende paIndaneti yemibvunzo inowanzobvunzwa pamusoro pechirongwa cheMedare. Mibvunzo inotevera makumi maviri nemakumi maviri ndeyevamwe vanozivikanwa zvikuru:
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Ndiani Anokodzera Kubatsira Kwemishonga?Kana iwe ukawana rubatsiro kubva kune Social Security kana Railroad Retirement Board, iwe unongotenderwa kuMedarere kutanga pazuva rokutanga romwedzi unosvitsa 65.
Kana uri pasi pemakore makumi matanhatu nemashanu iwe unokodzera kugamuchira Chikamu A mazano pasi pemamiriro anotevera:
- Iwe wakanga uchigamuchira Inishuwarenzi yeHuman Security Disability kwemakore anopfuura maviri.
- Iwe une hosha yekusingaperi kusagadzikana (kuguma-danho rechirwere chechirwere chinoda kugara dialysis kana kuchinja kwepvo. Wakaonekwa kuti une amyotrophic lateral sclerosis (chirwere chaLou Gehrig).
Zvidzidzo:
- Chirongwa cheMedzisira Mafaro
- Medicare & Iwe 2010
- Medicare Mibatsiro paunowana Rubatsiro Rurerema
- Medicare Muviri weDein Dialysis neDein Transplant Services
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Chii Chinonzi Medicare Chikamu Chekuvhara?Medicare Chikamu A, inozivikanwawo sePurogiramu yeInishuwarenzi yePirato, inobatsira kubhadhara mari yekutarisira mune zvivako zvinotevera:
- Inpatient kutarisira muzvipatara
- Inpatient kutarisira mukoti unyanzvi hunyanzvi
- Inpatient rehabilitation facility
- Hospice care care services
- Dzimwe hutano hwehutano hwepamusha
- Inpatient utano hwepfungwa uye kuchengetwa kwepfungwa
Kana iwe uchikwanisa kupiwa Medicare iwe haufaniri kubhadhara mari yepamwedzi yeChikamu A kana iwe kana mudzimai wako muchibhadhara Medicare mutero wemitero paunenge uchishanda.
Zvidzidzo:
- Kunzwisisa Medicare Chikamu A
- Medicare & Iwe 2010
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Ndinofanira Kubhadhara Premium yeMedareti A A?Kana iwe uchikwanisa kupiwa Medicare iwe haufaniri kubhadhara mari yepamwedzi yeChikamu A kana iwe kana mudzimai wako muchibhadhara Medicare mutero wemitero paunenge uchishanda. Kana iwe newawakaroorana naye musingashandi kana kuti musingabhadhara mitero yemari yepamusoro yeMedare inogona kunge musingakwanisi kutenga chikamu chekutanga chepachena. Zvisinei, iwe unogona kukwanisa Chikamu A kuburikidza kuripa mwedzi wemwedzi, iyo inosvika $ 461 mu 2010.
Iwe unofanirwa kutaura nehofisi yako yeHarare Social Security 3 mwedzi musati wapera makore makumi matanhatu nemashanu ekuberekwa kwako kuti usayine.
Zvidzidzo:
- Tsvaga Wenyu Rekuchengetedzwa Kwekuchengetedzwa Kwemahofisi
- Kunzwisisa Medicare Chikamu A
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Chii Chinonzi Medicare Chikamu B?Medicare Chikamu B chinonziwo chirongwa cheUnited Insurance. Nenzira yakawanda, Chikamu B inosanganisira maitiro maviri emabasa:
- Huduma dzechiremba - hutano hwehutano hwaunoda kuongorora uye kurapa mamiriro ezvehutano. Medicare ichazobhadhara chete mabasa ayo anotsanangura sechiremba.
- Zvidziviriro zvekuchengetedza - hutano hwehutano hwekudzivirira zvirwere (zvakadai sekurwiswa kupfurikidza ) kana kubatsirwa kuona chirwere chiri mukutanga kwekutanga kuitira kuti inogona kutarisirwa isati yakanyanya kuipa (sekuongorora kuongorora kenza yekoloni ).
Pasi Pakati Chikamu B, Medicare inobhadhara mari yekuchengetedza yehutano yakadai sedhijeni midziyo, maguruvhiri, walkers, uye mamwe mishonga inofanirwa nemishonga iyo chiremba wako anorayira kushandisa mumba mako.
Zvidzidzo:
- Kunzwisisa Medicare Chikamu B
- Medicare & Iwe 2010
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Chii Chinonzi Medicare Chikamu D Chinhu Gap?Wakawanda Mishonga yemishonga yemishonga ine chirongwa chokuvhara, iyo inozivikanwawo se "donut hole." Izvi zvinoreva kuti mushure mekunge iwe uye chirongwa chako chemishonga wakashandisa mari yakawanda yemishonga yakavharwa, unofanirwa kubhadhara mari yose kunze kwehomwe mishonga yako (kusvika pamuganhu). Dhaka yako gore rega rega, yako-inshuwarisi yako kana mapepa, uye izvo iwe unobhadhara muvhareji yekuvharidzira zvose zvinotarisa kumucheto uyu.
Zvidzidzo:
- Medicare Chikamu D Kunyorwa
- Kunzwisisa Chikamu D Donut Hole
- Deredza Mishonga Yako Mishonga muDonut Hole
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Chii Chinonzi Medigap Policy?Pakutanga Medicare ( Chikamu A neChikamu B ) inokweretesa kune vakawanda, asi kwete yose, zvese zvine chokuita nehutano nemishonga. Iwe unogona kutenga inshuwarisi yekuvhara "zvikwereti" zvisingabhadharwi neMedare, zvakadai sekubhadharwa kwemari, kubhadhara mari, uye kubhadhara-izvo zvinogona kuwedzera kusvika kune zvakawanda zvekunze kwemari .
Mimwe mitemo yeMedigap ichabhadharawo humwe hutano huri kunze kweUnited States uye mamwe maitiro ekudzivirira asina kuvharwa neMedare. Medigap yunishuwarenzi (inozivikanwawo seMurengeti Supplement Insurance) ndeyokuzvidira uye iwe uri mutoro wepurogiramu yegore negore kana yekota. Medicare haingabhadhari chero chezvaunotenga kuti utenge mutemo weMedigap.
Zvidzidzo:
- Kunzwisisa Purogiramu Yenyu Medigap
- Kusarudza Sera yeMedigap
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Chii Chirongwa Chirongwa cheMedare?Medicare Chikamu C, inozivikanwawo seProgram yeMagare Advantage , inokubvumira kuti usarudze chirongwa chehutano chinopiwa nekambani yveshuwarisi yega yega inogamuchirwa neMedare. Medicare Inobatsira zvirongwa zvinosanganisira:
- Zvinotarisirwa Nheyo dzekutarisira (dzakadai sePPO kana HMO)
- Private Fee-for-Service Plans
Medicare Makomborero mazano anogamuchira mari kubva kuMedare kuti akupe zvipo zvakafukidzwa neMedare, kusanganisira Chikamu A uye Chikamu B. Mishonga yeMedare Inobatsira yakawanda inosanganisira Chikamu D chekushandisa zvinodhaka uye vazhinji vanopa huwandu hwekuwedzera, zvakadai sekuonekwa uye kutarisirwa, mazano emeno, uye Wellness programs.
Zvidzidzo:
- Kunzwisisa Mishonga Yenyu Inobatsira Purogiramu
- Medicare & Iwe 2010
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Chii Chinoitika Kumagetsi Muhutano Hwakachinja?Iko inogadziriswa Care Act inounza kuchinja kwakasiyana kuMedare iyo inogona kunge ichivandudza mararamiro ako uye kuwanikwa kwako kune hukuru hwekuchengeta rubatsiro. Zvimwe kuchinja kukuru zvinosanganisira:
- Coverage Gap Savings: Kana iwe ukasvika musiyano wekuvharidza muna 2010 uchawana chenguva yekutora rebate ye $ 250 kubva kuMedare. Muna 2011, iwe uchakwanisa kuwana tsananguro ye50% pamishonga yezita remishonga uye 7% kubhadhara pamishonga inowanzo muvharo yekuvhara. Pachava nekuwedzerwa mari mune gwaro rekuvhara gore rimwechete kusvikira ravharwa zvachose ne2020.
- Kuchengetedza Kuchengetedza: Kutanga muna 2011, Medicare ichabhadhara kuongororwa kwegore negore, kusanganisira kuongorora kwepanyama uye kubvisa zvachose mari yekugoverana kune zvakakodzera kudzivirira maitiro uye kuongorora.
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Ndichakurumidza Kuva 65, Chii Chiri Mushonga Wangu?Iwe une zvisarudzo zviviri zvekuti unowana sei Medicare - Original Medicare kana chirongwa che Medicare Advantage. Kana iwe ukasarudza Original Medicare (iyo inosanganisira Chikamu A A Chipatara Chechipatara uye Chikamu B Inishuwarenzi yeUrape), iwe uchavawo nesarudzo yekunyora muChirongwa cheDhandiro yePiritsi. Iwe uchazofanirawo kusarudza kana iwe uchida kutenga Medicare Supplement Insurance (Medigap) kuti ubhadhara nokuda kwe "zvipembenene" muMureza wekuvhara.
Kana ukasarudza Medicare Advantage Plan, iwe uchava nechisarudzo chekusarudza chirongwa chinosanganisira chirongwa chechirongwa chechirwere. Kana uine chirongwa cheMedare Advantage, haudi Medigap.
Zvidzidzo:
- Chirongwa cheMedzisira Mafaro
- Medicare & Iwe 2010
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Chii Chinonzi "Mishonga Inodiwa" Inorevei?Medicare ichabhadhara chete mabasa anobatwa seanodiwa mune zvekurapa. Maererano neMedarere, mazvipatara kana zvigadzirwa zvinonzi zvinodiwa mune zvemishonga kana:
- Zvakakodzera uye zvinoda kuongororwa, kana kurapwa kwehutano hwako.
- Yakagadzirirwa kurapwa, kutarisa zvakananga, uye kurapa kwehutano hwako.
- Garai nemitemo yezvakanaka zvekurapa munharaunda yezvokurapa yeunharaunda yako.
- Hausi kunyanya kuitira kuti iwe kana chiremba wako uwane.
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Sei Kuchengetedza Kwemabasa Kunokosha?Medicare inokweretesa humwe hutano hwehutano hwekuchengetedza zvirwere (zvakadai sechirwere kupfurikidza) kana kubatsirwa kuona chirwere chiri mukutanga kwekutanga kuitira kuti igone kutarisirwa isati yakanyanya kuipa (zvakadai sekuongorora kenza yekoloni ). Chiremba wako anogona kukuudza kuti ndeyepi miedzo yaunoda uye kuti unowanzoda sei.
Zvidzidzo:
- Kutungamira kuMitambo Yekudzivirira yeMedare
- Preventive Services chikamu paMedare.gov
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Chii Chirwere Cheshuga Chinopa Mushonga?Medicare inosanganisira zvimwe zvekudya zveshuga, kusanganisira:
- ropa glucose test strips
- blood glucose monitor
- lancet michina uye lancet, uye
- glucose kudzora matanho ekucherechedza kururamisa kwekuedza mavara uye vatariri.
Medicare inogona kugadzirisa kuti iwe unowana zvakadini kana kuti kakawanda sei izvi zvinopa. Nguva dzose Medicare haina kuvhara insulini. Iwe unofanira kubhadhara 100% ye insulin (kunze kwekushandiswa mu insulin pump), seringiri, uye nenyuchi, kunze kwekuti iwe wakanyoresa chirongwa cheMedare reD Medicare Part D kana kuti uve neMurongwa we Medicare Advantage nehuwandu hwezvinodhaka.
Zvidzidzo:
- Kuvhara kweSaetet Supplies uye Services
- Medicare & Iwe 2010
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Medicare Inobvisa Dental Services?Medicare haifaniri kuchengetedza chirwere chemazino nguva dzose kana mazino akawanda emishonga akadai sekuchenesa, kuzadza, kuiswa mazino kana mazinyo. Medicare Chikamu A inogona kubhadhara mamwe mazino emishonga anowanikwa paunenge uri muchipatara. Zvimwe zvirongwa zveMederal Medicine zvinogona kusanganisira mazino emaricho sechimwe chinhu chinobatsira. Tarisa neMedarereji Inobatsira chirongwa chako zvakananga kuti uone kuti mazino emazino akavharwa, kana aripo.
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Medicare Inovhara Ziso Rezvokurapa Utano Here?Medicare inoshongedza maitiro ekuongororwa uye kurapwa kwezvirwere zveziso mumahofisi echipatara uye kuchipatara. Izvi zvinosanganisira kurapa kwe glaucoma uye kubviswa kwehutachiona.
Medicare haifaniri kuvhara mari yekugadziriswa kwemaziso nguva dzose kana kudiwa kwemagirazi emaziso kana kuti mavara lenzi. Zvisinei, kutevera chirwere checataract ne-intraocular lens, Medicare inobatsira kubhadhara cataract magirasi, contact lenses, kana intraocular lenses inopiwa ne ophthalmologist.
Zvidzidzo:
- Medicare Muviri weKucherechedza Kwameso uye Magirazi
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Ndakatadza Medicare yangu Kadhi. Ndingawana Sei Itsva?Kana uine Chirwere Chekutanga (Chikamu A uye Chikamu B), shandisa Social Security pa1-800-772-1213, kana enda kune www.socialsecurity.gov/medicarecard. Paunokumbira kadhi yemuMareji inowanikwa paIndaneti kana pafoni, unoda:
- Zita rako sezvarinoratidzika pakodhi yako yekare Social Security card
- Nhamba Yenyu Yakachengeteka
- Zuva rako rokuberekwa
Iwe unofanirwa kugamuchira kadhi rako reMedare repamusoro mune tsamba iyo inenge mazuva makumi matatu. Iwe unogonawo kushanyira nzvimbo yako yeHuman Social Security. Kana iwe wakanyoresa muDhipare Advantage Plan uye wakarasikirwa nekadhi rako, tumira nhamba yako yebasa revarimi kuti ive imwe nzvimbo.
Zvidzidzo:
- Tsvaga Yenyu Yekuchengetedzwa Kwemagariro Eko
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Ko Kana Ndichitsvaga Mishonga Isingakanganisi Murairiro Kana Kuti Zvinodhura Zvakanyanya?Maererano neMedarere, kana iwe uchida mushonga usingatori chikamu cheD Part D, kana kuti chiri pane urongwa asi iwe unofunga kuti chinofanira kuvharwa kune chikwereti chepasi, unogona kuita zvinotevera:
- Taura neurongwa ugobvunza chimwe chinhu. Iwe pachako unofanira kunge uchipa ruzivo kubva kunachiremba wako nezvekuda kwaunoita mushonga wako chirongwa hachizofukidzi.
- Kana hurongwa hwako huchiramba kunze, unogona kukwidza. Chikamu Chako D chirongwa chinofanira kukupa ruzivo pamusoro pekukumbira.
Zvidzidzo:
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Chikamu Changu D Dhidhiro yePiritsi ine Drug Formulary neTiers. Zvinorevei?Zvinodhaka pane Chikamu D chekugadzirisa zvinowanzowananidzwa mumatare, uye kubhadharwa kwako kunotsanangurwa nehutano iyo mushonga wako uripo. Chimwe chikamu Chikamu D chemishonga chemishonga chinosanganisira zvitatu zvitatu.
Nhamba yekutanga ine chikwereti chekubhadhara zvakaderera uye kazhinji inosanganisira mishonga yemishonga.
Nhamba yepiri inobhadhara mari yakawanda kupfuura yetiyeri 1 uye kazhinji inosanganisira zvinoshandiswa zita remishonga yemishonga.
Nhamba yechitatu ine chikwereti chikuru chekubhadhara pamwe uye inowanzobatanidza mazita emishonga asingasarirwi. Chirongwa chako chinogona kuisa mishonga mumusungo wechitatu nokuti kune mishonga yakafanana nechepakati chechechi ye formulary iyo inogona kukupa iwe kubhadhara kumwechete kune mari shoma.
Zvidzidzo:
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Medicare Inondifukidza Here Kana Ndichifamba Kunze kweUnited States?Yekutanga Medicare Plan inowanzoti haifaniri kuchengetedza utano paunenge uchifamba kunze kweU.S. uye nharaunda dzayo. Mamwe Medigap mazano eSport Travel Emergency ekuchengetwa kwehutano paunofamba kunze kweU.S.
Zvimwe zvirongwa zveMederal Medicine zvinogona kugovera pasi rose kubatsira kwezvido zvehutano paunenge uchienda kunze kweUnited States. Usati waenda kunze kwenyika, chengetedza ne Medicare Advantage plan pamusoro pekufambisa.
Kana iwe uchiziva kuti hauzove neHedare-kufambidzana kwakafanana kana iwe uchifamba, ungada kufungidzira kutenga nguva yehutano yehutano inshuwarisi.
Zvidzidzo:
- Medicare Coverage kunze kweUnited States
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Ini Handigoni Kupa Mishonga Yangu yeMedare uye Mishonga Yezvokurapa. Ndingaitei?Iwe une zvisarudzo zvakawanda kana iwe uchida rubatsiro nemari yezvokurapa uye zvinodhaka, zvakadai sepayumu, zvinodhevedzwa, uye nezvimwe zvekunze mari. Izvi zvinosanganisira:
- Medicaid
- Medicare Purogiramu Yokuchengetedza
- Rubatsiro Rwokuwedzera uye Rubatsiro Rurefu-Kuwana Mari
- State Pharmaceutical Assistance Program
- Pharmaceutical Assistance Program
Zvidzidzo:
- Medicare Mutsigiro: Kubatsira neMariro uye Mishonga Inodhaka
- Zvisungo kune State State Medicaid Agencies
- Kubatana Nezvivako zveMunharaunda: Kukurukurwa Kwekugara
- Kubatsira Kwakawedzerwa Nemishonga Kurapa Mishonga Wezvinodhaka Zvinodhura
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Ndekupi Kwandingawana Mhinduro Mibvunzo Yangu Pamusoro peMedare?Ndichafara kupindura mibvunzo pamusoro peMedare. Kana ini ndisina mhinduro, ini ndichakutsvakurudza iwe kana kukupa zvinhu zvinotendwa uye zvakasununguka. Kana mhinduro kumubvunzo wako inofadza kune vamwe vaverengi, ini ndinogona kuitumira se FAQ kana muBlog yangu kana tsamba.
Kunyange zvazvo ini ndisingakwanisi kukupa mazano pamusoro pehutano hwehutano hwehutano hwako, ndinogona kukuudza zvimwe zvekusarudza kwako uye kuti ungawana sei ruzivo rwaunoda.
Iwe unogonawo kuwana mamwe emibvunzo yako yeMedare inopindurwa zvakananga kubva "mumuromo wemabhiza" kuMedareti Support Center.
Zvidzidzo:
Une mibvunzo pamusoro peMedare? Iwe uri nechinetso neMhijero yeMedare kana kuti Medicare claim? Hazvive nechokwadi kuti ndeipi?
Medicare Mibvunzo Nematambudziko: Kwokuwana Rubatsiro runokuratidzai zvitanhatu zvakanakisisa zvese zvekupindura mibvunzo yako yeMedare uye kugadzirisa matambudziko ako e Medicare.