Chirongwa cheMurengeti Kukodzera uye Kubatsirwa
Medicare chirongwa chehurumende chinopa hutano kuvaridzi vakuru uye vanhu vane hutachiona hunokodzera. Vagari vomumatare eUnited States avo vanosangana nemakore uye / kana kuremara zvinogonawo kukodzera. Iyi purogiramu inosangana nezvido zveva mamiriyoni 56 eMamerica. Nekafungidzirwa 10 000 vana vacheche vanoshandura makore makumi matanhatu nemaviri zuva nezuva kusvika muna 2030, nhamba yevanhu vari muMedare inoramba ichikura.
Zvichinyorerwa mutemo neMutungamiri Lyndon Johnson muna 1965, Medicare pakutanga yakanga ine zvikamu zviviri. Yakatumidzwa kuChechi yeMutare, Chikamu A uye Chikamu B chakachengetedza zvipatara zvekuchengetwa kwepachipatara uye chirwere chekurapa mari inotevera. Kubvira panguva iyo, purogiramu yakawedzerwa kuisa mamwe "zvikamu" uye, pamwe chete nazvo, mamwe mazano. Kunzwisisa zvikamu zveMedare uye maitiro avanoshanda pamwe chete kuchakubatsira kuti usayine Medicare nenzira iyo ichaita kuti utarisire waunowana uwedzere.
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Chirwere Chipi Chinoita Uye Hachifukidze Mwoyo Wako
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Kuvhura Kuzarura uye Kunyorwa Kunokosha Rega Kuchinja Medicare Plans
Medicare Chikamu A: Hospital Hospital
Chipatara chinogara chinogona kutengesa. Muna 2011, zviyero zvekugara muchipatara zvinodhura madhora 12 600 kune vanhu vari pakati pezera remakore makumi matanhatu nemakumi matanhatu nemakumi mana. Kuonga Medicare, hurumende yakabhadhara madhora 11,900 kune avo vanogara.
Chikamu A ndicho chipurara chako chechipatara. Inobhadhara mari yezvipatara, kuchengetwa kwezvipatara, unyanzvi hwokurapa unyanzvi hunogara , nzvimbo yekuvandudza inogara, uye kunyange humwe hutano hwehutano hwemusha. Usafungidzira izvi zvinoreva kuti zvose zvichabhadharwa munguva refu. Medicare ine mitemo yakaoma iyo inogadzirisa kuti ichavhara sei masangano aya, kana zvachose.
Medicare Chikamu B: Mushonga Wezvokurapa
Chizhinji chekuchengetwa kwehutano waunogamuchira kuchave kuchigadziriswa kwenguva refu, zvinoreva chipatara.
Izvi zvinogona kuva pahofisi yechiremba, laboratori, nzvimbo ye radiology kana chero nhamba yenzvimbo . Kunyangwe kana basa rakanyatsogadziriswa kuchipatara, sekuwana X-ray kuchipatara chemharapara yehupatara, Medicare haifungi kuti ndiyo yekuchengetwa kuchipatara kunze kwekuti iwe unobvumirwa sechiremba.
Chikamu B ndeyehutano yveshuwarisi. Inosanganisira mabasa akasiyana-siyana ekurapa, kusanganisira kushanyira kwachiremba, kukwira kwemaambumba , kenza uye zvimwe zvinodzivirira zvirwere, chirwere cheshuga, zvigadzirwa zvehutano zvakagadzikana, zvidzidzo zvekufungidzira, maongorori ekurapa , mishonga isina kukwana , zvirwere , kutarisana zvakanaka , nezvimwewo.
Medicare Chikamu C: Medicare Advantage
Medicare Inobatsira , iyo yaimbozivikanwa seMedare + Choice, ndiyo imwe nzira yeChirwere yeMedare iyo yakawedzerwa purogiramu muna 1997. Unogona kusarudza Original Medicare (Zvikamu A uye B) kana Chikamu C. Hurumende haibvumiri kuti muve nezvose .
Medicare Inobatsira zvirongwa zvinopiwa nemakambani einishuwarenzi ega ega akasaina zvibvumirano nehurumende yehurumende.
Zvirongwa izvi zvinobvumirana kuvhara zvinhu zvose Original Medicare inoita asi inogona kupawo mamwe mavhisi.
Muna 2016, vanopfuura mamiriyoni gumi nemakumi mana veAmerica vakasarudza Medicare Advantage zvirongwa pamusoro peMutambo weMutare kuti vaone kuti vakanga vawedzera kuparidzirwa kwemashoko aidiwa. Medicare Makomborero mazano anouya pamutengo wakawedzerwa kune vanobatsira avo vanowanzobhadhara miriyamisi yepamwedzi yakapfuura kupfuura ivo vangave paMutambo weMutambo.
Medicare Chikamu D: Chirongwa Chekushandisa Drug Coverage
Iko US Census Bureau yakashuma mavhareji eAmerica akazadzwa nemitemo 12.2 muna 2013. Nhamba iyoyo yakawedzera kusvika pamitemo 27.8 pagore kune avo vanopfuura makore makumi matanhatu. Zviri nyore kuona kuti nokukurumidza zvinodhaka zvinodhaka zvinodhaka zvinogona kuwedzera sei.
Chikamu D ndiyo inoshandiswa mishonga yemishonga inoshandiswa mutemo muna 2003 pasi peMutungamiri George W. Bush asi yakatanga kushanda muna 2006. Sezvakaita Medicare Advantage, zvirongwa izvi zvinotungamirirwa nekambani yveshuwarisi yega yega asi inofanira kusangana nemitemo yakarongwa nehurumende yehurumende. Chirongwa chimwe nechimwe chichava nemishonga yakasiyana yakasiyana-siyana uye mumwe mushandi weMedare anofanirwa kusarudza chirongwa chipi chinonyatsoenderana nezvavanoda.
Hapana urongwa hunofukidza mishonga yose.
Medicare Supplement Plans: Medigap
Kune avo vanoda kuwedzera kugoverwa, Medicare Supplement Plan, inozivikanwawo seMedigap chirongwa , inogona kuva chimwe chinhu chokufunga. Aya mazano haasi chikamu chepamutemo chepurogiramu yeMedare, kunyange zvazvo Centers for Medicare neMedicaid Services (CMS) inomiririra zvavanopfeka. Medigap zvirongwa zvakafanana kune dzimwe nyika pamwe chete neMassachusetts, Minnesota, uye Wisconsin.
Medigap zvirongwa hazvidi kuwedzerwa zvimwe zvekubatsira kune Medicare yako. Zvavari kuita ndeyekubhadhara pasi mari iyo Medicare inobva patafura, sekuderedza, kubhadhara, uye kubhadharwa. Vangatowedzera kuwedzerwa kana uchifamba mhiri kwemahombekombe. Zvirongwa izvi zvinopiwa nevatsigiri vehupfumi uye zvinogona kushandiswa chete pamwe chete neAsia yeMedare, kwete zvirongwa zveMederal Advantage.
Nguva Yokunyora muMedare
Iko Kunyoresa Period Nguva (IEP) yeMedare inotanga mwedzi mitatu isati yasvika uye inopera mwedzi mitatu mushure mekuzvarwa kwako kwema 65. Vanhu vari muhutano hwehutano hwehutano hwehupfumi (SSDI) vanove vakakodzera kuMurengeti mumwedzi we25 weSIDDI uye vanozongonyorwa muzvirongwa neSocial Security.
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Kunzwisisa Chii Chakafukidzwa Pasi PeMedicare nokuda kwechirwere cheshuga
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Trump's 2019 FY Chirongwa cheBhujititi: Mazano uye Kuda kweMedare
Vamwe vanhu vangave vakakodzera kuwana nguva dzekunyora dzakapiwa zvichienderana nemabasa avo emabasa kana kuti humwe hutano hwehutano hwavanako.
Kune nguva yekunyora yakazaruka gore rega rega kune vanhu vanoda kuchinja Medicare yavo. Iwe unoda kuchinja kubva kuChechi yeMedare kusvika kune chirongwa cheMedare Advantage kana zvimwewo? Kana unoda kuchinja kubva pane imwe chirongwa cheMedare yega yega kune imwe? Ino ndiyo nguva yekuzviita. Nguva yekunyora yakasununguka inoitika gore negore kubva Kubvumbi 15 kusvika December 7.
Haasi munhu wose anofanira kutumira chikamu cheMedare yose, asi kusina kupinda paawa kunogona kutora bundle mumari yekupedzisira kana ukasarudza kunyoresa gare gare. Imari yekupedzisira yeChikamu A inogona kupedza makore, asi Chikamu B neChikamu D chirango chakatarisa chinogona kupera chero bedzi une Medicare. Nokuda kwenhoroondo, kusarudza chirongwa cheMedare Advantage panzvimbo yeChirwere cheMutambo hachizokugoni kubhadhara chikamu A uye chikamu chechikamu B.
Mishonga yakawanda yei?
Medicare inowanzotumidzwa semishonga inofambidzana nevanhu, asi haisi yekusununguka. Kunyangwe zvingave zvisingakwanisi kudarika mamwe mapurisa ehurumende yega yega, vazhinji veAmerica vanonetseka kuti vawane rubatsiro rweutano. Kune avo vanosangana nedzimwe nhengo dzemari uye zvekuwana mari, pane mapurogiramu eMederal savings anogona kubatsira kuchengetedza mari pasi.
- Chikamu A: Zvikomborero zveMwedzi zveChitatu A hazvina zvekuda kune vanhu vakashanda makore anopfuura makumi mana (gumi nemakore) emutoro weMedare-taxed. Vakaroorana navo , uye dzimwe nguva avo vekare vakaroorana nechirikadzi, vanokodzerwawo nemishandirapamu dzisina kubhadhara. Vaya vakashanda vashoma kupfuura iyo vachabhadhara mazana emadhora mwedzi mumwe nomumwe. Kwegore ra2016, iyo inodarika $ 226 pamwedzi kwe30-39 kubva kune $ 411 pamwedzi pasi pemakumi matatu emagetsi emabasa. Zvimwe Zvokuwedzera A mari inosanganisira $ 1,288 inokonzerwa muna 2016 kuitira chimwe nechipatara kugara, zvikwereti zvechipatara zvinogara kwenguva refu kupfuura mazuva makumi matanhatu, uye zvipo zvekuchengetedza vane unyanzvi zvinogara kwenguva refu kupfuura mazuva makumi maviri.
- Chikamu B: Munhu wose anotora miriyamisi yemwedzi pamwedzi yeChikamu B, uye apo iwe unowedzera mari yaunowana iwe. Medicare inotarisa kumitero yako yemari inowanikwa kubva kumakore maviri apfuura kuti uone mari yaunotora mari yako. Panewo nguva imwechete yakabhadharwa kubhadhara gore roga roga kusati kwave kubatsirwe kubhadhara ($ 166 muna 2016). Kunze kwekudzivirira kuongorora kuongororwa, kugamuchirwa kumushanyi weMedare uye kutaridzika kwehupfumi hwegore negore kwakasununguka kana chiremba wako achibvumirana nemutambo wemishonga waMedarere . Iwe unofanirwa kutarisira kubhadhara chikamu chemazana makumi maviri ekubvumirana kune chero zvipi zveBato B maunowana.
- Chikamu C (Medicare Advantage) uye Chikamu D: Zvikwereti, zvakakodzwa, uye zvikwereti zveMedare Advantage uye Zvigadziro zveChikamu D zvichasiyana zvichienderana nekambani yveshuwarisi yega yega inopa urongwa. Zvisinei, kana mari yako inodarika imwe chiyero, CMS inoda kuti iwe ubhadhe mari inonzi inozivikanwa seInvest-Related Related Monthly Adjustment Imari (IRMAA) kuwedzera kune yako yepurogiramu yePuro D yemwedzi. Uyu mutero uchawedzerwawo kana iwe uri pamushonga we Medicare Advantage unosanganisira chirongwa chekushandisa zvinodhaka. I IRMAA inobhadharwa zvakananga kune hurumende, kwete kune yega yega inshuwarisi yekambani inogadzirisa hurongwa hwako.
Kwokuwana Rubatsiro
Medicare chirongwa chakakomba nemitemo inogara ichichinja uye mitemo. Izvozvo zvakati, zvinogona kuve zvakanyangadza kuziva nzira yekuenderera mberi. Iwe unogona kutsvaga rubatsiro rwehutano hwehutano hwehutano hwehutano huripo kana iwe uine mibvunzo kana kuti zvinetseka pamusoro pehuwandu hweHIV. Iyi ndiyo mapurogiramu ekuzvipira ekuzvipira anogamuchira mari kubva kuhurumende yehurumende kuti ikutungamirire. Zvimwe, iwe unogona kuhaya vadzidzisi vega vega kuti vakubatsire nemibvunzo ipi zvayo yaungave nayo.
> Sources:
> Medicare Kubatsira. Nhare yeHenry J. Kaiser Family Foundation. http://kff.org/medicare/fact-sheet/medicare-abatsire/. Yakabudiswa naJune 29, 2015.
> Medicare Kuverengwa Dashboard. Zvikamu zveMedhareid uye Medicaid Services website. https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/CMSProgramStatistics/Dashboard.html. Yakavandudzwa muna June 2016.
> Mishonga Kushandisa uye Kushandura Kwemari Yehutano. IMS Institute for Healthcare Informatics website. http://www.imshealth.com/en/thought-leadership/ims-institute/reports/use-of-medicines-in-the-us-2013. Yakabudiswa muna April 2014.
> Pfuntner A, Wier LM, Steiner C. Zvinokonzerwa Nezvipatara Zvigaro muUnited States, 2011. HCUP Nyaya Yechidzidzo # 168. Sangano reEalthcare Research uye Quality . http://www.hcup-us.ahrq.gov/reports/statbriefs/sb168-Hospital-Costs-United-States-2011.pdf. Yakabudiswa muna December 2013.
> Chii chinonzi Medicare Supplement Insurance (Medigap)? Medicare.gov website. https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html.