Medicare Mishonga yeUrapa Inobatsira
Medicare Chikamu B
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 B, iyo inozivikanwawo seProject Medical Insurance, inobatsira kubhadhara mabasa emishonga anodiwa, akadai se:
- Vanachiremba 'mazano
- Outpatient care
- Dzimwe hutano hwehutano hwemhuri, dzakadai semishonga yepanyama uye yebasa
- Zvimwe zvekudzivirira mabasa
Ndiani Anokodzerwa neMedare Chikamu B?
Kana uine makore 65 kana kupfuura (uye uwane rubatsiro kubva kune Social Security kana Railroad Retirement Board), iwe unowanzogadzirira Medicare Chikamu B. Mushonga wako we Medicare Part B unotanga pazuva rokutanga romwedzi unosvitsa 65. Unofanirawo kugamuchira kadhi rako reMedicare mumishumo mwedzi mitatu usati waberekwa kwema 65.
Kana uri pasi pemakore makumi matanhatu nemashanu, unokodzera kugamuchira zvikamu zveB B 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 - kuti uwane mamwe maonero kuona Medicare Coverage yeDiyo Dialysis uye Kidney Transplant Services.
- Wakaonekwa kuti une amyotrophic lateral sclerosis (chirwere chaLou Gehrig). Kana iwe uine ALS, unowana Chikamu A mwedzi mishonga yako yekuremara inotanga.
Ndinofanira Kubhadhara Premium yeMedare Chikamu B?
Iwe uchada kubhadharira mwero wemwedzi weChikamu B unogona kuderedzwa kubva kune chekuchengetedza kwekuchengetedzwa kwemagariro evanhu pamwedzi.
Vanhu vazhinji vanobhadhara mubayiro wepamwedzi weChikamu B, iyo iri $ 96.40. Kwegore ra2010, kana uine mari yakawanda muna 2008 (inopfuura $ 85,000 pamunhu mumwechete; $ 170,000 pamunhu mumwe nomumwe), uchafanira kubhadhara mari yepamwedzi yepamusoro yeChikamu B, kubva pa $ 154.70 kusvika $ 353.60.
Medicare Chikamu B chirongwa chekuzvidira uye iwe unogona kusarudza kubva mairi uye usabhadhara mubayiro wemwedzi wega wega. Kana iwe usingadi Medicare Part B, tevera mirayiridzo inouya nekadhi rako reMedicare. Iwe uchada kutumira kadhi zvakare. Kana iwe uchida kugara muMedareti Chikamu B, chengetedza kadhi uye iwe uchange uine zvikamu zvepurogiramu B zvakabviswa kubva kune chekuchengetedzwa kwehutano hwevanhu.
Kana mari yako yakakwana uye iwe haugoni kutenga mwedzi wekutanga wePaundi B, nyika yako inogona kuva nepurogiramu yekukubatsira. 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 Part B Chinovhara uye Chii Chandinofanira Kubhadhara?
Medicare Chikamu B chine gore rinotengeswa, iyo muna 2010 i $ 155.00. Iwe unofanirwa kubhadhara mari yose kusvikira usangana negore rino redu deductible pamberi peMedicare inotanga kuripa chikamu chayo. Mushure mokunge musangana nehurukuro yenyu, munogona kunge mune mutoro wekubhadhara mari ye20% yemari yaMedare-inogamuchirwa yebasa.
Muzvizhinji, Medicare Chikamu B inosangana nemhando mbiri dzebasa:
- Mishonga yehutano - hutano hwehutano (nezvimwewo zvakagadzirwa) zvaungada kuongorora uye kurapa mamiriro ekurapa. Medicare ichazobhadhara chete mabasa ayo anotsanangura sechiremba.
- Zvidziviriro zvekuchengetedza - hutano hwehutano hwekudzivirira zvirwere (zvakadai sekurwiswa kupfurikidza) kana kuti kubatsirwa kuona chirwere chiri mukutanga kwekutanga kuitira kuti itange kugadziriswa isati iwedzere kuipa (sekuongorora kuve nekenza yekoloni ).
Services Medical
Mimwe mienzaniso yehutano hwakabatanidzwa inosanganisira:
- Ambulance Services - chete kana zvichidikanwa uye chete kune imwe nzvimbo yakakodzera yezvokurapa yakakodzera
- Clinical Laboratory Services - dzimwe kuongororwa kweropa, kuongorora urini, uye kumwe kuongorora kuongororwa
- Chirwere cheshuga Zvokudya - shuga dzevatongi veropa, test strips, uye lancets
- Chiremba Services - kuchengetedza uye kudzivirira mabasa ako aunowana kubva kuvarapi vako muhofisi yavo uye mamwe mabasa anopiwa muchipatara
- Zvinhu Zvokurapa Zvisingagoneki - zvinhu zvinorayira vanachiremba kuti vashandise mumba, zvakadai semidziyo yeokisijeni, zvikwata zvevasimbe, vanofamba, nemibhedha yezvipatara
- Emergency Room Services - kurapa kwekukuvara kwakakomba kana kurwara kamwe kamwe
- Mental Health Care - kuongororwa uye kurapwa kwemamiriro ehutano hwepfungwa zvakadai sokuora mwoyo, kuzvidya mwoyo, kana kushandisa zvinodhaka
- Occupational Therapy, Physical Therapy, uye Speech-Pathology Services - kuti ikubatsire kudzokera kune rimwe remaitiro mushure mekurwara kana kukuvara
- Zvipatara Zvirwere Zvepachipatara - zvinosanganisira zvipatara zvipatara mune dhipatimendi rekuchengetwa kwezvipatara uye mamwe mabasa akadai seX-rays, EKGs, kuongorora, kutukwa, kana kurapa mavanga)
- Zvinyorwa zvinodhaka - zvinowanzogadzirirwa majekiseni iwe unopinda muhofisi yechiremba wako, mamwe mishonga yekenza yemuromo, uye zvimwe zvinodhaka zvinoshandiswa nemidziyo yakadai seye nebulizer kana kuvharirwa kwepombi
Prevention Services
Mimwe mienzaniso yebasa rekudzivirira yakavharwa inosanganisira:
- Pamuviri Aortic Aneurysm Kuchengeta - kuongorora kamwechete kwevanhu vari pangozi
- Utachiona hweHurumende Kuedza - zviratidzo zvehutano hwehutano kuti uone kana uri pangozi yemapfupa akaputsika
- Kanzura Kuongorora - miedzo yakawanda yakafukidzirwa kuti ibatsire kuona dzimwe kenza, dzakadai sekrarectal kenza, kenza yemazamu, kenza yemukomana uye kenza yeprotate
- Chirwere cheshuga Kuongorora - kuongorora ropa kune vanhu vari pangozi yehuga cheshuga
- Glaucoma Miedzo - kune vanhu vari pangozi ye glaucoma, chirwere chakakomba cheziso
- Dambudziko reMwoyo Kuongorora - kuongorora ropa, zvakadai seku cholesterol, kuti ubatsire kuongorora njodzi yekurwadziwa kwepfungwa
- Shots - kugoverana kunosanganisira furo kuputika, hepatitis B kupfura, uye pneumococcal shot
- Kusvuta Kupedza - kupa mazano kukubatsira kuti usiye kusvuta
Cherechedza: Mazita ari pamusoro apa anongororesa zvikamu zvehutano hunoiswa pasi peMedarereti B. Kuti uwane ruzivo rwakakwana, iyo inosanganisirawo mapiyona ari pasi pegore negore rinobviswa uye kubhadhara mari, ona Medicare & You 2010, yaunofanira kunge wakagamuchira mu mail. Iwe unogonawo kuona shanduro yakatsvaga pawebsite yeMedare.
Ndinofanira kunyoresa muchirongwa cheMedigap?
Kunyange zvazvo Medicare Chikamu B ichizoita kuti iwe uwane mari yakawanda yekurapa mari yako, iwe unogona kunge uine mari yekunze. Saka, iwe unogona kuongorora chirongwa cheMedigap kuti ubatsire kubhadhara mari iyi kunze kwepasitori yakadai seChitatu B gore roga roga, kubhadhara mari uye kubhadhara mari. Kana iwe ukanyoresa mune chirongwa cheMedare Advantage, zvimwe zvezvinhu izvi zvinogonawo kuvharwa.