Apo Medicare Inoenda Nguva, Kwete Kutarisira
Iwe unogona kutarisira kuti kurwara zvakakwana kuti ugare muchipatara usiku hwose kwaizokwanisa kuwana Medicare kubhadhara chikamu chavo chakanaka. Zvakanaka mumaziso ako uye mumaziso eMedare, zvisinei, zvinogona kunge zvakasiyana chaizvo.
Ne Medicare vaitarisira kupera mari kubva muna 2030 , pakutanga kana GOP ikashanda kupfuudza mutemo wavo wekubhadhara mutero, chirongwa chacho chinangwa chokudhura mari chero ipi zvayo inogona.
Izvo zvinodaro kuburikidza nekugadzirisa mamwe mari kune iwe. Mitemo inotevera inokosha kuti iwe unzwisise, kunyanya sezvo inowanikwa pane izvo zvinhu zvinoitika kupfuura pane hutano hwako.
Iviri-Pakati peusiku Rute Rule
Pamberi paviri-pakati peusiku kutonga , zvipatara zvakagara zvakagadzirwa pane zvekurapa. Zvinyorwa zvishoma, kana iwe wakanga uine chirwere chakakomba chinorapa, iwe wakabvumirwa sechirwere chepfungwa nokuti chipatara ndicho nzvimbo yakakosha yekugamuchira iyo kutarisirwa; kureva miedzo uye nzira dzaisagona kuitika nenzira yakakodzera kuhofisi yechiremba, dhipatimendi rechipatara kunze, mumba mako, kana kunyange mune unyanzvi hwekuyamwisa unyanzvi.
Izvozvo zvose zvakashandurwa muna 2013 apo Mutemo weMidhi-Midnight yapinda. Iye zvino, hazvisizvo chete zvakakosha kuti iwe une chikonzero chekurapa chekurapa kuti ubvumirwe sechipatara, asi kugara kwako kuchipatara kunofanirwa kutarisirwa kutarisa miviri miviri:
Chipatara chinogara kubva pa1: 11: 00 musi waJanuary 23 unoenda kusvika 12: 01 AM musi waJanuary 25 (maawa 24, 1 miniti) inofanana neyokutanga kubva pa12: 00 paJanuary 23 uye kuenda ku12: 00 AM January 25 (maawa 48). Zvose izvi zvinogara zvakapetwa maviri.
Medicare yakarongedza hutongi huri pakati pepakati pane pane nguva chaiyo munhu anoshandisa muchipatara. Izvi hazviiti kuti zvive zvakanaka kune vanobhadhara, uye nokuda kwechikonzero ichi, vanhu vazhinji uye kunyange zvipatara vakatora matanho pamusoro pehurumende mumhosva.
Zvazvinokutadza Iwe: Kana iwe usingabvumirwi sechirwere chepfungwa, unoiswa pasi pekucherechedza.
Anorega kurapwa anokweretwa kuMedareti A , apo chiitiko chekucherechedza chinogara chiri kukweretirwa kuMedareti Chikamu B. Chikamu A unoti iwe chete unotsvitswa nokuda kwekugara kwako kwose, $ 1,316 muna 2017, kuwedzera kune 20 muzana yezvose zvese zvechiremba. Chikamu B, kunyange zvakadaro, inokupa 20 muzana yega yega yebasa rakagamuchirwa, kusanganisira mari yechiremba . Kunyange zvazvo chipatara hachibvumirwi kukubhadhara kupfuura chikamu chegore chegore A deductible yebhadharo chero ipi zvayo inoshanda, mari inowedzera nokukurumidza. Kazhinji kutaura, kugara kwekucherechedza kunowanzosvitsa zvinopfuura kudarika kwepachipatara kwehuwandu hwakafanana, kunyange kana iwe wakagamuchira zvimwe zvakafanana.
Unyanzvi Hwekurapa Unyanzvi Hwokutonga Kwemazuva matatu
Vanhu vangave vachida unyanzvi hwekuchengetedza mushure mokunge vaenda kuchipatara nehosha yakaoma. Vangasave vachida kuti chikwata chepamusoro chekuchengetwa chipatara chinopa, asi chinogona kunge chisina ngozi kuenda kumba. Vangada kutarisirwa kumwe, kutarisa pedyo, uye mabasa anogara achiita, sekurapa kwepanyama uye yebasa . Kugara mune unyanzvi hwekurapa (SNF) kana kuti rehabilitation centre inogona kunge yakakodzera mumatambudziko aya.
Kufanirwa kwekugamuchira chipatara, zvisinei, hazvirevi kuti iwe unokodzero yekugadziriswa kwekugadziriswa mushure mekuchengetwa kwaunogara muchipatara.
Zvose zvinouya pasi peSNF Mazuva Masere.
Mutemo unoti iwe unofanirwa kubvumirwa sewechipatara kwemazuva matatu akaitevera kuti uwane mukana wekuchengetedza unyanzvi hwekurapa. Zvinosuruvarisa, zuva raunotamirwa kunzvimbo yacho haritauri. Muchidimbu, unofanirwa kugoverwa sechipatara kwemazuva mana:
Kana iwe ukaiswa pasi pekucherechedza pazuva rako rokutanga, zuva iro haringaverengi kune zuva rako remazuva matatu.
Ramba uchifunga kuti Medicare haibvumiri chiremba wako kana chipatara kuti achinje mitemo. Kunyange kana chipatara chako chikaramba chakareba kupfuura miviri miviri, mazuva iwayo haagoni kutendeuka kuva nechirwere chisina kumira shure mushure mezvo.
Izvi zvinoreva kuti iwe uchada kwenguva yakareba yekugara muchipatara kuti uwane ruzivo rwekuchengetwa kwekuchengetedza musha.
Zvinokutakurei: Kana ukasangana neSNF Mazuva matatu, Mutemo waAA unotarisa zvinhu zvose zvekuchengetedza unyanzvi hwako unyanzvi kugara kwemazuva makumi maviri. Iwe uchabhadhara chikwereti che $ 164.50 pazuva mu 2017 kwemazuva 21 kusvika ku100. Shure kwaizvozvo, iwe uri woga. Kana iwe usingabvumirwi sechirwere chemazuva matatu akatevedzana, zvisinei, mari yose yekudzorera ichakweretwa kwauri zvakananga. Muchiitiko ichocho, kana Medicare Part A kana Chikamu B haichafukidzi mazano aya.
Kusiyanisa neMitemo Yakatarwa Nguva
Mitemo inoshandura zvishoma kana iwe uvhiyiwa. Imwe nzira dzakarongeka dziri pane inpatient-chete runyorwa, zvinoreva kuti Centers for Medicare neMedicaid Services (CMS) inoona kusanzwisisika kwekuvhiya kwakananga uye inozvibvumidza ivo kuti vabvumirwe kupinda muchipatara. Iro-Midhi-Rusiku Rute Rute haruwani munyaya iyi:
Kana iwe uri muDhipatimendi reMedare Shared Savings, unogona kukodzera kubhadhara kuSNF Mazuva matatu.
Zvinyorwa izvi zvisiri izvo, tsika yemutambo (Chikamu A uye Chikamu B) inoteerera kuviri-pakati peusiku Mutongi uye neZuva Ramazuva Masere Rinorwara. Medicare Inobatsira (Chikamu C) zvirongwa , kune rumwe rutivi, zvinogona kupa zvakawanda kuchinja. Izvozvo zvinogona kuva chinhu chakanaka uye chakaipa.
Zvakanaka: chirongwa cheMederal Benefitage chine sarudzo yekuderedza SNF Mazuva matatu Rute. Pasinei nehurefu hwehutano hwako huripo, unogona kukwanisa kutariswa kwekuvandudza iwe unoda.
Zvakashata: Medicare Advantage zvirongwa zvinogona kusarura kubva kuvhidhiyo kune chirwere chepatient-chete, zvinoreva kuti hazvifaniri kuvabvumira kuti vawane chirwere chepfungwa. Vaizogona kuvabhadhara sevanorapwa kunze. Izvozvo zvinogona kutungamirira kune dzimwe nzira dzekuvhiya dzinokubhadhara zvakanyanya mune zvehomwe mari.
Izvozvi: Kazhinji, zvirongwa zveMedricare Advantage zvinotevera Iviri-Midhi Mutongiwo zvakare.
Shoko Rinobva
Nguva ndeyezvose. Medicare inogadzirisa kuti chikamu A chachabhadhara chikamu chei nekuisa mitemo panguva yako. Iro-Mid Midnight Rule uye SNF Mitambo yeZuva rechitatu inowedzera kutarisira kune Medicare Part B, apo iwe unowanzobhadhara zvakawanda kubva muhomwe yezvibvumirano zvakafanana. Zvinosuruvarisa, unogona kuwana zvakaoma kuwana hutano hwako hunoda pamutengo unofanirwa.
> Sources:
> Christina Alexander, et al., Plaintiffs, vs. Thomas E. Mutengo, Munyori weHurumende neHuman Services, Mutsigiri . United States District District, District of Connecticut. http://www.medicareadvocacy.org/wp-content/uploads/2017/08/Order-on-Class-Certification.pdf. Yakabudiswa musi waJuly 31, 2017.
> Utano Hwepfupi Muchidimbu: Iviri-Pakati peusiku Mutongi. Health Health , January 22, 2015. http://www.healthaffairs.org/do/10.1377/hpb20150122.963736/full/.
> Medicare Coverage of Skilled Nursing Facility Care . Nzvimbo dzeMedare uye Medicaid Services. https://www.medicare.gov/Pubs/pdf/10153.pdf. Yakarongwa naJanuary 2015.
> Unyanzvi Hwekuchengetedza Unotonga Kwemazuva matatu Waiver. Nzvimbo dzeMedare uye Medicaid Services. https://www.cms.gov/Medicare/Medicare-Fee-for-Service-Payment/sharedsavingsprogram/Downloads/SNF-Waiver-Guidance.pdf. Yakabudiswa muna August 2017.