Maitiro Ekuti Mapurogiramu Anoshanda Pamwe Chete
Kunyange zvazvo zvingave zvakafanana, Medicare neMedicaid mapurogiramu maviri akasiyana kwazvo. Imwe inotarisirwa kupa hutano hwakanaka kune vakwegura uye / kana vakaremara apo imwe inopa hutano kuvarombo.
Mamiriyoni eAmerica akakodzera kumapurogiramu ose, 8.3 mamiriyoni maererano neCenters for Medicare neMedicaid Services. Ava vanobhadhara vanonzi vari vaviri vanobvumirwa.
Kunzwisisa kuti mapurogiramu aya anoshanda pamwe chete achakubatsira sei kunyanya kushandisa ruzivo rwehutano hwako.
Dual Eligibility Criteria
Medicare kukodzera kune imwe chete pasinei nokuti unogara kupi. Inogadzwa nehurumende yehurumende. Kuti uve akakodzera kuMedare, iwe unofanirwa kuva nemakore makumi matanhatu nemashanu kana kupfuura kana uine urema hunokodzera . Mukuwedzera, iwe unofanirwa kusangana nehukama hweUnited States kana kuti hurumende yekugara kwepamutemo inoda .
Medicaid kukodzera, kune rumwe rutivi, inoparadzanisa geographically. Kunyange zvazvo hurumende yehurumende inogadzirisa zvishoma zvigadziro zvepurogiramu, purogiramu yacho pachayo inotungamirirwa nemunhu oga. Hurumende imwe neimwe ine sarudzo yekugadzirisa mitemo yavo yekufanirwa.
Medicaid inotarisirwa kupa hutano kuvanhu vane mari shoma dzakasiyana-siyana mumapoka akasiyana-siyana: vana, vakadzi vane pamuviri, vabereki, vakuru, uye vanhu vane hurema. Nekufambisa kweAgorded Care Care Act, vanhu vakuru vasina vana vanogonawo kuvharwa kana nyika yavo yakagamuchira mitemo yeMedicaid Kuwedzera.
Zvinogona kuva mhaka yokuti iwe unokodzera kuwana madhirabha akazara eMedicaid kana kuti iwe unokodzera rubatsiro kubva kune rimwe remitambo yeMedare Savings inopiwa kuburikidza nehofisi yako ye Medicaid. Kana iwe uchikodzera kuMedareji uye unosangana nemirairo yeMedicaid kana imwe yezvirongwa zvina, zvinogona kunge zvakakodzerwa.
Anokodzera Medicare Bene Beneary (QMB) Program
Kunyatsojekesa Kunyorera-Kuwana Medicare Mupiro (SLMB) Program
Kufanirwa Mumwe Nomumwe (QI) Program
Vakakodzera Vakwegura Vakashanda Purogiramu Yega (QDWI)
Zvirongwa Zvinodhaka Zvinodhura
Medicaid inoda kuti iwe usayine kunyoresa mishonga yemishonga kuburikidza neMedare, ingave iyo ine chikamu cheD Part D kana chirongwa cheMedricare Advantage nemishonga yemishonga inobatsira, inozivikanwa seurongwa hweMa-PD. Kana iwe uchinge waita purogiramu Yechimwe Chekubatsira, rubatsiro rwekubhadhara mari yakaderera kune mishonga yemishonga yemishonga, zvisinei, unofanirwa kunyoresa kuMutambo weMedare uye Chikamu D, kwete chirongwa che Medicare Advantage. Zvinogona kunge zvakadaro kuti mamwe mishonga isina kuvharwa neurongwa hwako hweMedare ichave yakafukidzwa neMedicaid.
Mhuri yekurapa Mariko
Kunyange zvazvo Medicare inobhadhara mari yekugara muzviremba vane unyanzvi mushure mekurapwa , haibatsiri pakuchengetedza kwenguva refu. Mushure mokunge zvikwereti zvakakodzera zvekugara muchipatara muna 2018, chikamu chako A chikamu chichabhadhara mari yose yekuchengetedza misha kusvika mazuva makumi maviri. Kwemazuva 21 kusvika ku100, iwe uchabhadhara chikwereti che $ 167.50 pazuva, uye kumusha wakwegura unogara kwenguva refu kupfuura iyo, iwe uchabhadhara mari yakazara.
Ne mamiriyoni evanhu vakuru vakagadzikana nehutano hwemweya uye vasingakwanisi kuzvitarisira pacheche, kumusha kwekuchengetedza vakwegura ibatsiro rinodiwa kuvanhu vazhinji.
Vaya vanobvumirwa pamwe chete vanogona kushandisa Medicaid kuti vabhadhara mari yekuchengetedza musha kwenguva refu .
Utano Hwehutano Hwakachengetedzwa neMedare
Medicare haisi chirongwa chose chinosanganisira. Mazino, kunzwa, uye kuongorora kuonekwa hazvipi uye hazvina kupiwa mazino, kunzwa zvinobatsira, kana kugadzirisa lens (mavarai emagetsi kana magirazi emaziso) pakati pehupi hwehutano hwehutano. Kana chirongwa chako chehurumende Medicaid chichipa iyo mazano, iwe unogona kubatsirwa kubva pane zvinyorwa zvakawedzerwa.
Kubhadhara Utano Hwako
Kazhinji kutaura, Medicare inotanga kutanga uye Medicaid inopa chikamu. Kune avo vanokodzera chirongwa cheQMB, Medicaid ichabhadhara Medicare yako mari, kusanganisira Chikamu A premium, Chikamu cheP premium, kubhadharwa, kubhadhara, uye kubhadharwa .
Iyi ndiyo mhaka kunyange kana mushandi weMederalid isingawanzofukidzirwa neMedicaid kana kana ukaona mupi wehutano uyo asingagamuchiri Medicaid kubhadhara.
Kana iwe usina kukodzera kuQMB, Medicaid inogona kubhadhara zvishomanana. Nyika haifaniri kubhadhara kana iyo Medicare service isiriwo basa reMedicaid kana kana muwani akaona mushandi we Medicare uyo asiriwo mupiki weMedicaid.
Shoko kubva
Usafungidzira kuti iwe uri paMedarere kuti hauna kukodzera kuMedicaid. Muzvokwadi, kune mamiriyoni evanhu vakuru, zvakanyatsopesana ndezvechokwadi. Kana uri kutambura kuti uwane zvigaro mumakore ako ekurega, tarisa kuona kana iwe uri kukodzerwa neMedicaid. Iyi inogona kuva nzira yakanakisisa yekuchera mari yako yehutano.
> Kwakabva:
> Dual Eligible. Medicaid.gov. https://www.medicaid.gov/affordable-care-act/dual-eligibles/index.html.
> Dual Eligible Beneficiaries Under the Medicare and Medicaid Programs. The Centers for Medicare and Medicaid Services website. https://www.cms.gov/Outreach-and-Education/Medicare-Learning-Network-MLN/MLNProducts/downloads/Medicare_Beneficiaries_Dual_Eligibles_At_a_Glance.pdf. Yakabudiswa muna February 2016.
> Medicare Zvirongwa Zvokuchengetedza. Medicare.gov. https://www.medicare.gov/your-medicare-costs/help-paying-costs/medicare-savings-program/medicare-savings-programs.html.