Medicaid - The Payer of Last Resort

Chikonzero nei Medicaid Inobhadharwa Pakupedzisira

Medicaid iyo inobhadharwa pamwe chete nepurogiramu yehurumende iyo inobatsira pamwe nemari yekurapa yevanhu vane mari shoma. Vagashiri veMedicaid vanosanganisira vanhu vakuru vane mari shoma, vana, uye vanhu vane mamwe marudzi ekuremara. Kunyange zvazvo vanhu vakawanda vanowana Medicaid zvikwereti vasina chero inshuwarisi, pane avo vane imwe yveshuwarisi, iyo yakashanda-inotsigirwa inshuwarisi kana Medicare , kunze kweMedicaid.

Kana mumwe mubhadhari aripo, ipapo Medicaid inogara iri mubhadharo wekupedzisira kusarudza. Izvi zvinongoreva kuti Medicaid inogara ichibhadhara pakupedzisira apo imwe inshuwarisi iripo. Izvi zvinonziwo chikwereti chetatu (TPL), pamwe chete nemumwe mubhadhari ari wechitatu wekodzero yekugoverwa. Mamwe maviri mapato ndiwo murwere uye Medicaid.

Primary Inishuwarenzi - Chechitatu Chekuita Mutemo uye Medicaid

Imwe hofisi yezvokurapa kana mumwe mupi wehutano anogona kupa Bill Medicaid kubhadharwa kwebasa. Izvi zvinogona kuguma mukuramba kunodzokera kumubatsiri achivakurudzira kuti vape mari inonyanya inshuwalisi. Izvi zvinoitika nokuti Medicaid iri pane faira kuti mupiro ane mamwe inshuwarisi.

Vakagamuchirwa vanodikanwa kuchengetedza Medicaid kuziviswa nezvehupi hwehutano hwehutano hwehutano. Vapiro vanewo basa rekuzivisa Medicaid yekambani yehushuwarenzi ivo vanoziva pamusoro, uyewo nekuzivisa Medicaid yemari ipi neipi yezvemari iyo inogamuchira nokuda kweiye anogamuchira.

Somuenzaniso, hofisi yechiremba inokumbira murwere pane imwe nguva kushanyira kunyoresa vashandi vehutano vehutano avo vanogona kuvhara kuda kwavo. Kana murwere achipindura kuti vakanyoresa Acme Health Care, izvi zvinoshushwa kuMedicaid. Hofisi yechiremba inofanira kutumira kuda kune Acme uye kwete kuMedicaid.

State Medicaid masangano anoshandirwa kuramba zvikwereti chero chikwereti chechitatu chikwereti chiripo kana vakagamuchira chibvumirano pasina zvinyorwa zvebhadharo rekubhadharwa yveshuwarenzi. Kuwedzera inshuwarisi inovharidzirwa haisi kungogumira kuMedare uye nehutano inshuwarisi. Inoreva zvakare inshuwarisi yemhosva nekuda kwezviitiko zvemotokari uye kukuvadzwa kwepabasa kana chirwere.

Medicaid Kubhadharwa neDare Rechitatu Chikwereti

Mune mamiriro ekuti mutoro wechitatu uripo, kana Medicaid inobvumira mari yehupi hupi hupi hupi hupi hupi hupi huri nani kupfuura hutatu hwekubhadhara, Medicaid ichabhadhara musiyano kusvika kuMedicaid yemari yakabvumirwa. Zvisinei, mumamiriro ekuti kubhadhara mari yechitatu kunopfuura izvo Medicaid inobvumira, Medicaid inopa "kubhadhara zero". Izvi zvinoreva kuti mubatsiri anofanira kubvuma chikwereti chikuru chekushuwarenzi sekubhadhara kwakakwana uye haigone kuenzanisa mari yevarwere.

Semuenzaniso, Medicaid yakabvumira chikamu chekugadzira $ 500. Kana mukana wechitatu we insurer achibhadhara $ 400, Medicaid ichabhadhara $ 100. Zvisinei, kana munhu wechitatu achibhadhara $ 500 kana kupfuura, Medicaid inobhadhara zero. Iyi mari yaizofanira kubuda muhomwe yemurwere.

Kuramba Kunogona Kuitika

Zvakakosha kuchengeta mupfungwa kuti Medicaid haisi inshuwarisi.

Medicaid chirongwa chinoita kuti kurapwa kwechiremba kuvepo kune uyo anogamuchira. Kana mubatsiri kana mupiririri akakundikana kutevera chero hupi hwehutano hwehutano huripo hunoita kuti uwane kubhadhara, Medicaid inogonawo kuramba nekuda kwekusateerera.

Medicaid inotongwa nehurumende. Saka, humwe hurumende ine zvido zvayo zvekubhadhara. VaBillers vanofanira kutora chirongwa cheMedicaid munzvimbo yavo pachavo kuti vawane ruzivo rwakakwana rwekubhadhara.

Cherechedza kuti Medicaid yakawedzerwa pasi peChinotengeswa Care Act , kuchinja kugadziriswa zvinoda uye mari yehurumende yega yega inogamuchira. Zvisinei, kubva muna 2016, pakanga paine magwaro makumi mana nemasere akasarudza kunze kwekuwedzera uku.