Ndeupi musiyano pakati peMedare uye Medicaid ? Medicare ndeyevanhu vakwegura uye vakwegura, nepo Medicaid ndeyevarombo (vamwe vanhu vakakodzera zvose ), asi kusiyana kweMedare uye Medicaid kwakakura pane izvozvo. Medicare uye Medicaid yakasiyana
- ndiani anogona kunyora
- uyo anovamhanya
- kuti vanoshanda sei
- kuti vanobhadharwa sei
- izvo zvipi zvavanopa ivo vanyoresa
Ndiani Anowana Medicare vs Medicaid?
Vakwegura uye vakwegura vanowana Medicare; Varombo vanowana Medicaid. Kana imi muri vaviri vakwegura uye varombo kana vakaremara uye varombo, munogona kuwana zvose.
Medicare
Vazhinji veMedare vanobatsirwa vane makore 65 kana kupfuura, asi kubva muna 2016, paive nevanhu vanopfuura mamiriyoni 9 (anenge 16 muzana yeMedare yose yevanhu) vari pasi pemakore makumi matanhatu nemashanu ne Medicare. Vanhu ava vakakodzera kupiwa Medicare nokuti vakaremara (kakawanda, iwe unofanirwa kugamuchira mararamiro ekuremara kwe Social Social kwemakore maviri usati wave wakakodzera kuMedare, asi pane zvakasiyana kune vanhu vane kuguma-danho real disease uye amyotrophic lateral sclerosis ).
Iwe unokodzera Medicare kana uri nemakore makumi matanhatu nemakore makumi matanhatu nemashanu uye iwe kana mumwe wako waibhadhara Medicare mitero yemitero kwemakore anenge gumi. Zvingave iwe uri mupfumi kana murombo hauna basa; kana iwe ukabhadhara mitero yako yemitero uye iwe wakwegura zvakakwana, iwe uchawana Medicare.
Muchiitiko ichocho, uchawana Medicare Part A yega. Uye kune vanhu vakawanda, premium premium yeBreatare B inosvika $ 130- $ 134 / mwedzi muna 2018 (iwe uchabhadhara mari yakakwirira yeMedareti B uye chikamu D kana mari yako yakakwirira kupfuura $ 85,000 / gore kune munhu mumwe chete, kana $ 170,000 / gore kune vakaroorana).
Kana uri wepfuura makumi matanhatu nemashanu asi usina kubhadhara mitero yemari yepamusoro yeMedare pawanga uri muduku, unogona kunge uchikwanisa kupiwa Medicare.
Zvisinei, iwe uchabhadhara mari yemarikimari yakawanda, sezvaunofanirwa kubhadhara mubayiro wekugara weChikamu B, kuwedzera kune purogiramu yeChikamu A.
Medicaid
Pasi pemutengo unobhadhara Care Act, unokodzerwa neMedicaid kana mhuri yako mari iri pasi pe 138 muzana ye federal poverty level. Zvisinei, mamwe maitiro akaramba urongwa uhwu , uye akachengetedza Medicaid yavo kukodzera sezvazvakanga zviri pamberi peAACA, iyo inowanzoreva kuti kuwedzera pakuva nemari shoma, iwe unofanirawo kuva mwana, mukadzi ane pamuviri, akwegura, ari bofu , akaremara, kana mubereki ane mari shoma zvikuru yevana vaduku.
Kune mitsuwa 19 iyo Medicaid isina kuwedzerwa kuvhara vanhu kusvika 138 kubva muzana yehurombo huripo, uye mune 18 yavo, pane gwaro rekuvhara (kureva, pasina zvinyorwa zvekugoverana) kwevana vasina vana vane mari pasi pehurombo.
Ichi chati chinoratidza Medicaid kugadziriswa mazinga (nehuwandu hwe federal poverty level) kune vanhu vakasiyana-siyana munharaunda imwe neimwe.
Ndiani Anotanga Medicare vs Medicaid?
Hurumende yehurumende inoendesa Medicare Program . Hurumende imwe neimwe inotanga chirongwa chayo Medicaid. Ndokusaka Medicare inenge yakafanana munyika yose, asi zvirongwa zveMedicaid zvakasiyana nedzimwe nyika.
Kunyange zvazvo humwe humwe huno hugadzira uye hunoendesa chirongwa cheMedicaid yake, mapurogiramu ose eMedicaid anofanirwa kusangana nemitemo yakagadzwa nehurumende yehurumende kuitira kuti iwane mari yehurumende.
ICenter for Medicare neMedicaid Services, chikamu chehurumende yehurumende, inotanga chirongwa cheMedare. Inotarisirawo imwe nyika chirongwa cheMedicaid kuti ive nechokwadi chokuti inosangana nehurumende yepamusoro. Kuti vaite kugadzirisa kukuru kumapurogiramu avo eMedicaid, nyika inofanirwa kutsvaga mvumo kubva kuhurumende yehurumende kuburikidza nekuregererwa kwematambudziko.
Zvirongwa zveMapurogiramu zvakasiyana sei neMedare vs Medicaid?
Medicare chirongwa che inshuwarisi apo Medicaid inorongwa hwehupfumi hwevanhu .
Vanhu vanogamuchira Medicare vanowana Medicare nokuti vakaribhadhara nokuda kwemitero yemitero pavanenge vachishanda, uye kuburikidza nemishandirapamwe yemwedzi pavanenge vanyoresa.
Vatapi veMedicaid havadi kumbobhadhara mitero uye vazhinji havabhadhari mari yemari yeMedicaid yekuvhara (mamwe masangano anoda kuti Medicaid inyorese pamucheto wepamusoro wekodzero yemari yekukwereta kubhadhara miriyamisi yemazita). Pane kudaro, mutero wemari yehupi anopa Medicaid kuvanhu vanodiwa vakakodzera nenzira yakangofanana nedzimwe sangano rehutano hwehutano hwakadai seMhuri Yenharaunda Yevane Mhuri, Vasikana nevana, uye Supplemental Nutrition Assistance Program.
Ko Medicare uye Medicaid Sarudzo Dzakasiyana Sei?
Purogiramu ye Medicare yakagadzirirwa kupa VaMedare vanogamuchira nzira dzakawanda dzokugadzirisa. Medicare inoumbwa nendima dzakasiyana-siyana dzakasiyana-siyana, imwe neimwe inopa inshuwarisi yehutano hwakasiyana rwehutano hwehutano. Semuenzaniso, Medicare Part A ndiyo hospitalization inshuwarisi, Medicare Part B inishuwarenzi yekunze kwepasipo uye mabasa ezvechiremba, uye Medicare Part D imishonga yemishonga inishuwarenzi.
Vatori vemishonga vanogona kusarudza mhando dzakasiyana-siyana dzeUshuwarisi hweMedare panguva imwechete , kana imwe chete. Vanokwanisa kusarudza Medicare Advantage kana kuti Medicare yepakutanga . Zvakajairika kuva neMedare Parts A, B, uye D panguva imwe chete. Zvisinei, vamwe vanhu vanosarudza chete kuva neMedareti Chikamu A kuitira kuti varege kubhadhara mari yemwedzi miviri yeMedare Parts B uye D (hazvina kuchenjera kuita izvi kunze kwekuti iwe uine zvimwe zvikwereti zvinokweretwa panzvimbo-zvisinei, Uchatarisana nechirango chekunyora kwekupedzisira paunopedzisira uchinyora zvikamu zveB uye D, uye chirango chicharamba chiri panzvimbo yese yehupenyu hwako).
Munguva yakapfuura, zvirongwa zveMedicaid zvaisawanzopa zvakawanda zvakasarudzwa maererano neurongwa hwokugadzira. Asi nhasi, vazhinji vanoshandisa masangano ekuchengetedza maMedicaid (MCOs). Kana pane zvinopfuura rimwechete reMCO mune imwe nzvimbo yehurumende, vanyori vanogona kubvumidzwa kusarudza iyo yavanoda.
Ndeipi kupi Medicare neMedicaid Inowana Mari Yadzo?
Medicare inobhadharwa mune chikamu nemutero weMedarere wemitero, pamwe chete nemishandirapiriti yeVagare, uye mune chikamu nehurumende yemitero. Iyo Medicare yemitero yemitero uye mihorosiyamu inopinda mu Medicare Trust Funds. Mishonga yehutano hwehutano kuvanhu vanogamuchira Medicare vari kubhadhara kubva kuMedare Trust Trust.
Medicaid inotsigirwa chikamu nehurumende yehurumende uye inobhadhara mari imwe neimwe nehurumende. Zvakawanda sei hurumende yehurumende inobatsira pakubhadhara mari yehurumende yehurongwa hweMedicaid hunoenderana nehuwandu hwemari yevagari venyika iyoyo. Hurumende yehurumende inopa chikamu chemadhora makumi mapfumbamwe nezana makumi matanhatu emadhora eMedicaid, asi chikamu chinobva kubva ku50 kusvika kune 75 kubva muzana, zvichienderana nehurumende (nyika dzakashata dzinobhadhara zvakawanda zveMedicaid mari, asi nyika dzine urombo dzinogamuchira rubatsiro rwakanyanya kubva hurumende yehurumende).
Asi pasi pekuwedzera kweAACA yeMedicaid, hurumende yehurumende inopa chikamu chikuru kwazvo. Kune vanhu vanenge vachangobva kukodzera kuMedicaid nekuda kweAACA (kureva, vanhu vakuru vane mari kusvika 138 kubva muzana yehurombo), hurumende yehurumende yakabhadhara 100 muzana yemari kubva muna 2014 kusvika muna 2016. Nyika dzakatanga kubhadhara 5 muzana mari inowanikwa muna 2017, uye yakawedzera kusvika 6 muzana muna 2018, uye ichawedzera kusvika 7 muzana muna 2019. Pashure pacho, kubva muna 2020 zvichienda mberi, nyika ichabhadhara 10 kubva muzana yemari uye hurumende yehurumende ichabhadhara 90 muzana.
Kurapa uye Kuchengetedza Kunobatsira Zvakasiyana sei?
Medicare neMedicaid hazvirevi kuti inobata humwe hutano hwehutano. Semuenzaniso, Medicare haibhadhara kwenguva refu yekuchengetedzwa kwekuchengetedzwa sekugara zvachose mumusha unotarisira vakwegura, asi Medicaid inobhadhara kwenguva refu. Medicaid zvinobatsira zvinosiyana kubva munharaunda kuenda kune imwe nyika, asi humwe hurumende yeProject Medicaid inofanirwa kupa humwe huwandu hunobatsira. Medicare inobatsira inofanana nenyika yose.
Iwe unogona kudzidza zvakawanda pamusoro pezvipi zvinobatsira Medicare, uyewo izvo zvaunotarisira kuti kunze kwemari yekushandisa mune mubhuku rino .
Dzidza zvakawanda pamusoro peMedicaid's general coverage benefits pano, kana enda kune imwe nzvimbo yako Medicaid webhusaiti kuti udzidze nezveMedicaid inobatsira munharaunda yako.
Enda kunzvimbo yedu yeMedare & Medicaid kuti uwane zvakawanda, zvakadzidza ruzivo nezveMedare uye Medicaid.
> Sources:
> Cubanski, Juliette; Neuman, Tricia; Damico, Anthony. Kaiser Family Foundation. Basa reMedare kune vanhu vari pasi pemakore 65 Nehurema. August 2016.
> Kaiser Family Foundation. Federal and State Share of Medicaid Kudhura. 2016.
> Medicaid.gov. Medicaid uye CHIP Zvigadziriswa Nhamba.
> Medicare.gov. Chikamu A Zvinotarisirwa.
> Social Security Administration, Premium Premium: Mitemo yeVatori veHurumende , 2018.