Izvo zvisingafukidzwi nehutano inshuwarisi zvinokosha zvakanyanya sezviri kuvharwa.
Iwe unogona kunge usingazivi kuti zvinhu izvi zvakajairika hazvifukidzwi nehutano inshuwarisi. Kuwana kuti iwe unofanirwa kubhadhara mari yakawanda yehutano iwe waifunga kuti inshuwarano yehutano yako yaizobhadhara inogona kushamisika. Hezvino chaunofanira kutarisa.
1 -
Kutyora mutemoUtano hwehutano hwehutano hwako hungazobhadhara hutano hwehutano uhwu wakaramba uchiita chimwe chinhu chisina kukodzera. Unozivikanwa sechibvumirano chisina mvumo chekuregererwa, kana hutano hwehutano inshuwarisi uine imwe, zvinoreva kuti hauzokwanisi kuvharwa nekuda kwehutano hwehutano hunokonzerwa nekubatanidzwa kwako mune zvisiri pamutemo.
Kutora chikamu chemukana wekutsvaga mukana ye $ 2,000 pawakazvipisa iwe uchivhenekera grill pamhuri picnic? Zvichida yakavharwa.
Tora mari ye $ 200,000 kubva kunotambudza kutarisira kupisa chikwata mushure mekunge makabata bvudzi renyu pamoto usingabhadhari cocaine? Kana hutano hwehutano inshuwarisi uine chisarudzo chisina mvumo chekuregererwa, icho chikwereti chichauya kwauri.
Zvimwe zvinotaura zvisiri pamutemo zvisingabvumirwi nemutemo, uye mazhinji nyika inorambidza vatsigiri vekuchengetedza kushandiswa kwezvinyorwa zvisingabvumirwi zvinobva kune munhu akachengetedzwa ari pasi pesimba remishonga uye / kana doro. Iwe unogona kutarisa nedhipatimendi re inshuwarisi munharaunda yako kuti uwane zvakawanda pamusoro pekuti vaiti vehutukuta vanobvumirwa kuramba kuparidzirwa mumamiriro ezvinhu anosanganisira zvisiri pamutemo.
> Sources:
> Reger, Alex. Connecticut Office of Legislative Research. Mutemo Wisiri Mutemo uye Zvinodhaka uye Doro Zvisina Kuwanikwa muUnited Insurance Policies . August 1, 2016.
2 -
Travel VaccinationsKutora shotsti musati maenda kune imwe nguva yezororo rekune dzimwe nyika? Utano hwehutano hwehutano hwako hungazobhadhara nekuda kwekufambisa kwako. Kunyange zvazvo zvirongwa zvese zvehutano zvehutano zvisingabatsiri zvivhara zvirwere zvinowanzotarisirwa kudzivirira kuchengetedza muU.S., zvirwere zvezvirwere zvekutsvaga izvo zvisiri dambudziko kwaunogara iwe zvichida hazvifukidzwi nehutano hwehutano hwehutano.
Unoda tetanus kupfura nokuti iwe unochera ruoko rwako bindu mumudare wako kumashure? Bhuku iri rinogona kunge rakafukidzwa nehutano inshuwarisi.
Unoda chirwere che yellow yellow kuitira kuti uende rafting pasi muRwizi rwaAmazon? Iva akagadzirira kuripa iwe pachako.
Nzira Yokuwana Nayo Pasi-Inotora Zvirwere zveVakuru
> Sources:
> Centres for Disease Control and Prevention. Yakarongwa Vaccines nezera.
> HealthCare.gov. Health Health Benefits and Coverage. Preventive Health Services.
3 -
Mberi Authorizations Usabvumira Kubhadharwa neUtano InishuwarenziIwe unofunga kutora mvumo yapamberi kubva kune yako yehutano inshuwarisi yekambani yeMRI inodhura, CT scan, kana nzira, inoreva kuti kambani ye inshuwarisi yakabvuma kutsika mutemo? Funga futi.
Makambani mazhinji ehutano hwehutano inshuwarheni anoda kusati apiwa mvumo isati yasvika kana kuongorora kunodhura kana nzira inopera. Asi, nekuda kwekuti kambani yako ye inshuwarisi isati yatendera mvumo haitauri kuti kambani yako ye inshuwarisi ichabhadhara .
Pamberi pemibvumirano inowanzobatanidza chirevo chinoenda kune chimwe chinhu chakadai: "Uyu mvumo haisi chivimbo chekubhadhara. Rubatsiro rwekugoverwa kunoenderana nehutano hwekurapa uye kukodzera kunhengo. "Izvi zvinoreva kana kambani yveshuwarisi ikasarudza mushure mokunge-iyo inodhura muedzo kana nzira yainge isingakoshi, inogona kuramba kubhadhara chikwereti kunyange zvazvo yakatanga kugonesa muedzo kana nzira.
Nzira Yokuwana Pamberi Chikumbiro Chikumbiro Chikubvumirwa
4 -
Mamiriro asina kukodzera Chipatara Chekugamuchira: Chiitiko Chekucherechedza vs. Nechipatara ChimiroUtano hwehutano hwehutano hwako hungazobhadhara chipatara chako kana iwe ukabvumirwa sechipatara asi kambani yako ye inshuwarisi inofunga kuti iwe unofanira kunge uri mune zvekucherechedza .
Paunenge wapinda muchipatara, iwe unopa nzvimbo. Izvo zviviri zvinowanikwa ndezvekushaya chiremera uye chiitiko chekucherechedza.
Kucherechedza varwere ndevaya vari kunze kwepanyama, kunyange vachigara usiku humwe kana kunyange kwenguva yakareba muimba yechipatara sezvinoita varapi. Munowanzo, kana chiremba wako achikutarisira kuti iwe uri muchipatara kumativi maviri kusvika pakati, miviri yako ichagara ichifungidzirwa kuti inpatient. Asi iwe haugoni kuziva kuti chii chawakapiwa kunze kwekunge iwe uchikumbira.
Nzvimbo yako yekugamuchira yakakosha kuhomwe yako . Kana kambani yako ye inshuwarisi kana Medicare inofunga kuti iwe unofanirwa kunge wakanga uri mukucherechedza maitiro apo iwe wakanyatsobvumirwa kuva nechipatara, kambani ye inshuwarusi inogona kuramba kubhadhara chikwereti chechipatara.
Rudzi rwehupenzi hunoshandiswa, kuongorora zvichienderana nezvipembenene zvepfungwa zvinobvumira mashandiro ehutano hwehutano uye Medicare kuti arambe kubhadhara chikwereti. Vachati chipatara chinogara hachifukidzwe nehutano inshuwarisi sezvo chipatara chakavhuna mitemo nekukubvuma iwe kumamiriro asina kunaka.
Pane flip side, kana iwe ukaiswa munzvimbo yekucherechedza, sezvo iwe unyanzvi huri kunze, iwe unogona kunge uine mutoro wehurukuro huru yemutemo kudarika iwe ungadai wakave uri muchipatara. Zvipatara zvemashoko zvinowanzobatanidza kubhadhara pamwe uye hazvizogadziriswi mabasa pamwe chete. Saka, iwe unogona kuzviwana iwe uchibhadhara 20% coinsurance kune imwe neimwe yeropa rekuongorora, x-ray, injection, Band-Aid, uye kurapwa kwawakagamuchira pawakanga uri muchipatara semuongorori wekucherechedza.
Kunyange zvazvo mushumo wehurukuro yako yezvipatara zvekurapa zvingaita sezvisingakoshi zvikuru, funga kaviri usati wapopotedzana nemamiriro ekurapa. Imwe inshuwarisi yehutano inogona kuramba zvachose chipatara chinotapurirwa muzvipatara kana chichitarisa kuti kutarisirwa kunofanira kuve kwakarongedzwa kunze kwekucherechedza chimiro panzvimbo pokuti sepatient.
Kune rumwe rutivi, kana iwe uchida kugara muine unyanzvi hwokurapa mushure mekubva muchipatara, Medicare ichaongororesa kana iwe ukashandisa mazuva matatu muchipatara sechipatara usati watumirwa kune unyanzvi hwokurapa ane unyanzvi . Nguva inopedzerwa muchipatara sezvinoitwa pasi pekucherechedza hazvirevi kumazuva echipatara zvinoda kuvharidzira chirwere cheMedare kune unyanzvi hwokurapa ane unyanzvi.
Dzidza zvakawanda nezvemaonero ekucherechedza, maitiro ekucherechedza mazano ekushanda, uye nei zvichida mari yakawanda.
> Sources:
> Centers for Medicare neMedicaid Services. Chidimbu Chinyorwa: Maviri-Pakati Peusiku Mutongi. July 2015.
> Medicare.gov. Unyanzvi hwekuchengeta Nursing Care Care.
5 -
Home Nursing CareFunga inshuwarhu yako yehutano kana Medicare ichabhadhara yeukoti hwekuchengetedza musha kana iwe usingagoni kuzvitarisira iwe? Funga futi.
Hapana Medicare kana makambani ehurumende yehutano yehutano yehutano ari kubhadhara kwenguva refu. Iwe unofanirwa kubhadhara imba yako yeukoti, kubatsirwa nzvimbo yekugara, kana kuchengetwa kwehutano hwemusha iwe pachako kana usina hurumende yekuchengetedza kwenguva refu .
Izvi hazvirevi kuti Medicare nekambani yehutano inshuwarisi haichazombobhadhara imba yevanotarisira kugara. Ichokwadi, Medicare inogona kubhadhara mari shomanana, inyanzvi yekugadzirisa mishonga muimba yekuchengetedza vakwegura (vachifunga kuti wakapedza mazuva matatu muchipatara sechipatara usati waendeswa kune unyanzvi hwekurapa unyanzvi). Asi, hazvizobhadhara kwenguva refu yekuchengetedza mabasa.
Chinokosha apa ndechikonzero nei iwe uchida imba yekuyamwisa. Kana chinangwa chekuchengetwa kweimba yevanamucherechedza kugadziriswa, mune mamwe mazwi, kana uri kuedza kuwanazve unyanzvi iwe une mukana unonzwisisika wekuwanazve, ipapo kambani yako yehutano inshuwarheni inogona kubhadhara imba yevanotarisira kwenguva pfupi. Semuenzaniso, unogona kubvumidzwa kumusha wakwegura uchigara mushure mekurwadziwa kwepakati paunenge uchishanda zvakasimba mumuviri, kushanda, uye kutaura kwekutaura kuti akubatsirezve kudzidza kuti ungamira sei panzvimbo yakagara, zvipe iwe pachako, uye shandura mazino ako.
Kana chinangwa chemusha wakwegura chichigara chiri chekuchengetedza kuchengetedza (kureva, rubatsiro nemabasa ehupenyu hwezuva nezuva, panzvimbo pekuedza kudzokerazve unyanzvi uye kudzokera kumba kwako), ipapo imba yako yekuyamwisa haigari isina kuvharwa nehutano hwehutano.
Kune zvidimbu zviviri zvinokosha. Medicaid, chirongwa chehurumende yehurumende yehurumende yehurumende yevanhu vanoita mari shoma, inotarisira musha wekuchengetedza musha kwenguva refu kune vanhu vasina mari yakawanda vasina mari yekubhadhara ivo pachavo. Uyewo, mapurogiramu akawanda ekuchengetedza varwere anopa sarudzo yeimba yevanamukoti kana kuti inpatient hospice centre. Asi, sezvo hutano hwekuchengetedza huri kune avo vanorwara vanoparara vane tarisiro yeupenyu pasi pemwedzi mitanhatu, haungambodi kubatsirwa neizvi kwenguva yakareba kana iwe uchikwanisa kuchiita.
Yakatengeswa Care Care Act yaisanganisira chirongwa chinonzi CLASS Act (Community Living Assistance Services) uye chirongwa cheRubatsiro), izvo zvaizoita kuti vanhu vabatanidze purogiramu yevanhu iyo yaizopa zvikomborero kuvhara zvimwe zvezvigaro zvekuchengetedza kwenguva refu. Zvisinei, nokuwa kwegore ra2011, gore nehafu hazvo ACA yakagadzwa, hurumende yehurumende yakanga yabvisa CLASS Mutemo pakati pezvinetso zvaisazova nehupfumi hurefu kwenguva refu.
Nokuti nguva iripo, vanhu vanonyanya kuita zvinhu zvitatu zvekuchengetedza kwenguva refu: Vanogona kushandisa zvinhu zvavo zvose, panguva iyo vangave vakakodzera kugoverwa neMedicaid, kana kuti vanogona kutenga mutemo wekuchengetedza kwenguva yakareba, kana kuti vanogona kuvimba nemari yavo pachavo kuti vawane mari yekuchengetedza mabheji kwenguva refu. Achivimba nehutano inshuwarhu (kunze kweMedicaid), zvisinei, hazvizoshandi.
> Sources:
> Kaiser Family Foundation. Health Care Reform uye CLASS Mutemo . April 2010.
> Medicare.gov. Your Medicare Coverage-Kuchengetedza Nguva refu.
> Medicare.gov. Your Medicare Coverage-Skilled Nursing Facility.