Medicare Hospital Insurance Inobatsira
Medicare Chikamu A
Medicare ine zvikamu zvina , kana mapurogiramu anopa kugoverwa kwehutano hwakasiyana-siyana hwehutano. Kunzwisisa kuti Medicare inoshanda sei inogona kukubatsira kusarudza nzira dzeMedare dzinonyatsokodzera zvaunoda.
Medicare Chikamu A, iyo inozivikanwawo sehurongwa hweUshuwarisi hwePiratiti, inobatsira kubhadhara mari ye:
- Inpatient kutarisira muzvipatara
- Inpatient kutarisira mukoti unyanzvi hunyanzvi
- Hospice care care services
Ndiani Anokodzera Mushonga weChirwere A?
Kana iwe uri 65 kana kupfuura, iwe unongotanga kupiwa Medicare Chikamu A. Your Medicare Part A Kugoverwa kunotanga pazuva rokutanga romwedzi unosvitsa 65. Iwewo unofanirwa kugamuchira kadhi yako yaMedare inotumira mamita matatu musati wapera makore makumi matanhatu.
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 unofanira kuwana kadhi yako yeMedare inotumire pamberi pemwedzi wako wemwedzi wegumi nemashanu wekuremara.
- Iwe une hosha yekusingaperi kusagadzikana (kuguma-danho retainal disease, kana ESRD) inoda dialysis inopfuurira kana kuchinjwa kwepvo . Mitemo inokosha inoshanda kune vanhu vane ESRD.
- Wakaonekwa kuti une amyotrophic lateral sclerosis (chirwere chaLou Gehrig). Kana iwe uine ALS, unowana Chikamu A mwedzi mishonga yako yekuremara inotanga.
Ndinofanira Kubhadhara Chirwere Chikamu 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. Unofanirwa kutaura nehofisi yako yeSocial Security office mwedzi mitatu usati wapera makore makumi matanhatu ekuberekwa kwako kuti usayine.
Kana ukasarudza kutenga Medicare Chikamu A, iwewo unoda kuve nekuda kunyoresa uye kubhadhara mubayiro we Medicare Part B. Kana zviwanikwa zvako zvisingakwanisi uye iwe haugoni kutenga miriyamisi yemwedzi pamwedzi yeChikamu A uye / kana Chikamu B, nyika yako inogona kuva nechirongwa chekubatsira. Kuti uwane ruzivo ratidza bhurocha rinonzi Batsira Rubatsiro NewaMutori Wako Mari uye ushanyire State Health Insurance Assistance Program (SHIP) nzvimbo kuti uwane ruzivo pamusoro pekupa mazano pasina rusununguko munyika yako.
Chii chinonzi Medicare Chikamu A Kuvhara?
Chipatara Chigara
Mipiro yakavharwa inosanganisira imwe nzvimbo yega-yega, yekudya, hutano hwehutano, mishonga, nezvimwe zvipatara nemishonga. Medicare haifaniri kuchengetedza hutano hwevamwe-basa, mari yefoni kana terevhizheni muimba yako yechipatara, zvinhu zvekuzvitarisira zvakadai semakamuri embudzi, kana muimba yega, kunze kwekunge zvakakosha pakurapa kwako.
Iwe unofanirwa kuribhadharira kutarisira kwako uye Medicare ine mimwe miganhu pane zvekuchengetwa kuchipatara.
Penguva imwe neimwe yekubatsira muna 2010 iwe unobhadhara:
- Chimwe chezvikwereti zve $ 1,100 zvekugara muchipatara kwemazuva 1-60.
- $ 275 pazuva kwemazuva 61-90 echipatara kugara.
- $ 550 pazuva kwemazuva 91-150 echipatara kugara (Lifetime Reserve Days).
- Zvose zvinodhura zuva rimwe nerimwe kupfuura mazuva 150.
Kuwedzeresa, kutapurika kwehutano hwepfungwa mune chipatara chepfungwa chinongopera mazuva makumi mana eupenyu hwako.
A Dr. Mike tsanangudzo: Nguva inobatsira (kana kuti spell of illness) inotanga zuva raunopinda muchipatara (kana unyanzvi hwekuyamwisa unyanzvi, kana SNF) uye inopera apo iwe usina kugamuchira chero muchengeti wepachipatara (muchipatara kana SNF) kwemazuva makumi matanhatu mumutsara. Iwe unofanirwa kubhadhara inpatient deductible nguva dzose dzekubatsira.
Skilled Nursing Facility
Zvakavigwa zvinosanganisira nzvimbo imwe yega-yega, yekudya, unyanzvi ane unyanzvi uye mabasa ekugadzirisa, uye zvimwe zvinoenderana. Kugara kwako muSNF kuchafukidzwa neMedare chete mushure memakore matatu-mashoma chipatara chepachipatara chekugara kwechirwere chakafanana kana kukuvara.
Somuenzaniso, kana iwe uri muchipatara nokuda kwekurohwa kwevhiki imwe chete, unyanzvi hwekurapa unyanzvi huripo hwekugadzirisa hupenyu huchavharwa.
Iwe hauna mari yemazuva makumi maviri ekutanga muSNF, iwe uchazofanira kubhadhara (muna 2010) $ 137.50 kwemazuva 21 kusvika ku100 uye mari yose yezuva nezuva mushure mezuva 100. Izvi zvinoshanda panguva imwe neimwe yekubatsira.
Home Health Services
Kuti uwane kugoverwa kwemishonga yehutano hwemusha kubva kuMedare, iwe unofanirwa kunge uchienda kumba (zvinoreva kuti kusiya musha ndicho chiito chikuru), chiremba wako anofanira kuraira kutarisira kwako, uye maitirwo anofanira kugoverwa nehurumende yehutano hwehutano hweMedare.
Chikamu chekuchengetwa kwehutano hwemusha chinosanganisira kungofanana nemishonga inokosha, kushandiswa kwemaawa mashoma akadai sekuchengetedza vane unyanzvi, rubatsiro rwehutano hwemusha, chirwere chepanyama kana chebasa, chirwere chemutauro wekutaura, uye mararamiro emagariro evanhu. Inosanganisirawo zvigadzirwa zvechiremba zvinogara kwenguva refu (zvakadai semaguruvhiri, mabhedha echipatara, walkers, okisijeni) uye zvinhu zvekurapa zvinoshandiswa pamba .
Iwe hauzove nemari inofanana neyo chaiyo maitirwo emba yako. Zvisinei, iwe unofanirwa kubhadhara coinsurance ye 20% yemari yaMedare-inogamuchirwa chero ipi zvayo yakagadzirirwa midziyo yako chiremba.
Hospice Care
Kuchengetwa kwekuchengetwa kwevarwere kune vanhu vane chirwere chisingaperi chinotarisirwa kurarama mwedzi mitanhatu kana kudarika. Coverage inosanganisira mishonga yekununurwa kwekutambudzika, uye kutarisa zvimwe zviratidzo; kurapwa, kuyamura, uye zvekugarisana; uye kuchema kurayira. Iyo maitiro inofanirwa kupiwa ne Medicare-inogamuchirwa hospice .
Medicare zvakare ichavhara chirwere chekudzivirira kurapwa , izvo zvinotarisirwa kuti uwane kuitira kuti mutarisiri wako wenguva dzose awane zororo. Medicare ichaenderera mberi kuvhara kutarisira kwako kutarisira nguva chero bedzi chiremba wako wekurapa kana mutungamiri wezvechiremba wekuchengetedza anotsigira kuti iwe unorwara zvachose.
Kunyange zvazvo pasina mari yekutarisira mahara , iwe uchange uine mari ye $ 5.00 pamutemo wega wega wega uye iwe uchabhadharwa 5% yemari yaMedare-inogamuchirwa yekurapa kurapa.
Ndinofanira kunyoresa muchirongwa cheMedigap?
Kunyange zvazvo Medicare Chikamu A ichizove ichibhadhara vazhinji vezvipatara uye vane unyanzvi hwekuchengetedza zvikwereti, unenge uchinge uine mari yekunze . Saka, iwe unogona kuongorora chirongwa cheMedigap kuti ubatsire kubhadhara mari yako yekunze - yakadai sezvipfeko zvechipatara , kubhadhara mari yekubhadhara, nekubhadhara mari . Kana iwe ukanyoresa mune chirongwa cheMedare Advantage , zvimwe zvezvinhu izvi zvinogonawo kuvharwa.