Izinsiza Zokukhokha Ukuhlinzeka Ngezokwelapha Abanolwazi (Ukwelashwa Kwesikhathi Eside)
Ngenkathi izindawo zokuhlengikaza abanekhono (ezibizwa nangokuthi izindlu zokunakekela izingane, izikhungo zokuvuselela ezincane, noma izindawo zokunakekelwa kwesikhathi eside) ziyabiza, zivame ukubiza izindleko ezingaphezu kwamahora angu-24 ekhaya. Lezi zakhiwo zinganikeza ukunakekelwa kwesikhashana, kepha abaningi banikeza nokuvuselelwa isikhathi esifushane ngenhloso yokubuyela ekhaya. Uma wena noma othandekayo wakho angadinga ukunakekelwa ekhaya elikhulile, likhokhela ukwazi izinketho zakho zokukhokha ngaphambili.
Izinketho zokukhokhela ikhaya lokuhlengikaza (ukunakekelwa kwezingane ezinamakhono) kunakekelwa okulandelayo:
1) Medicare
I-Medicare iyinzuzo ehambisana nezimali ezokhokha izindleko zenani elilinganiselwe lezinsuku zokuvuselela iziguli endaweni yokuhlengikaza enekhono. Lokhu kuvame ukubizwa ngokuthi "i-sub-acute rehab" noma "ukunakekelwa kokuthutha okumangalisayo." Abantu abaningi bathola ukuvuselelwa okwesikhathi esifushane, ngenxa yokuphuluka kwe-hip , ukushaya isifo noma isifo senhliziyo, nakuba kunezinye izizathu eziningi umuntu angadinga ukwelashwa ngokomzimba, emsebenzini, noma ukukhuluma, futhi ngaleyo ndlela angene kulokhu kukhishwa.
Ukuze ufaneleke ku-Medicare, kumele ube neminyaka engaphezu kwengu-65 ubudala, ube nokukhubazeka okulotshiwe, noma ube nesifo sokuqeda isiteleka sokuphela.
Uma ufaneleka, i-Medicare inikeza ukwaziswa okuhle kakhulu kwezindleko zasekhaya zokuhlengikaza, kodwa kubalulekile ukwazi ukuthi lokhu kunikwa isikhathi esifushane futhi kuyatholakala ngaphansi kwezimo ezithile. I-Medicare ayikhokhisi ukunakekelwa kwezikhungo zabanakekeli abanamakhono ngokuqhubekayo.
Indlela Yokufinyelela Umuthi Wokuhlinzeka Ngokwemithi
Inzuzo yezezimali ye-Medicare akuyona into okumele uyifake isicelo noma ufake isimangalo esichaza isidingo sakho. Uzilungele ngokuzenzakalelayo lezi zinzuzo uma unemikhakha ye-Medicare Part A ne-Medicare Part B. Ngokuvamile, uma uthola inzuzo ye-Social Security noma inzuzo yeBrother Retirement Board, uzovame ukugujwa ngaphansi kwe-Medicare Part A neNgxenye B.
Iziphi Izindleko Ezizokwelapha?
I-Medicare izokhipha izinga lansuku zonke ukuze uthole ukwelashwa ngokomzimba ongagulayo , ukwelapha emsebenzini , kanye / noma ukwelashwa kwenkulumo . I-Medicare ihlanganisa nemithi yakho, ukwelashwa, kanye nemithi yokwelashwa ngalesi sikhathi.
Yiziphi Izimo Ngaphansi Kweziphi Imithi Ezokhokha Lo Msebenzi?
Kufanele uhlangabezane nalezi zimo ezilandelayo:
I-3-Day Hospital Hospital
Kumele ukuba ube nokuhlala esibhedlela izinsuku ezintathu okubhekwa njengesikuthi "osesiguli" uhlala esibhedlela. Lokho kusho ukuthi uma uhlukaniswa nje njengesiguli "sokubheka," iMedare ngeke ihlanganise izinsizakalo zokuvuselelwa kwezikhungo zokuhlengikaza.
Ukwengeza, uma izifo zakho zokuhlala esibhedlela zihlukaniswa njengesiguli kodwa uke uhambe ngaphezu kwezinyanga ezimbili (isikhathi esisebenzisayo ukubeka olunye usuku), i-Medicare ngeke ihlanganise ukuhlala kokuvuselelwa iziguli.
Kumele ubuze esibhedlela ukuthi ukuhlala kwakho kuthathwa njengesiguli noma ukubonwa, futhi uqinisekise ukuthi uhlangabezane nemfuneko yokuhlala yosuku olulandelayo ukuze ufinyelele izinzuzo zeMederal for the rehabitation rehabilitation.
Izidingo Zesikhathi
Uma uhlangabezane nalezi zinsuku ezintathu uhlala ezikhungweni zokuhlala esibhedlela, ungasebenzisa i-Medicare inzuzo ngokushesha emva kokuhlala esibhedlela ngokudlulisela ngqo kulesi sikhungo sokuhlengikaza esikwazi ukuvuselelwa.
Kodwa-ke, ungakwazi ukufinyelela le Medicare inzuzo kuze kube yizinsuku ezingama-30 ngemuva kokuthola izihambi ezifanelekile. Isibonelo, lokhu kusho ukuthi unganquma ukuya ekhaya ngokusuka esibhedlela ngemuva kokuba uhlinzeke ngokuhlinzwa, futhi ngemva kwamasonto amathathu, ungase ukhethe ukuvunyelwa esikhungweni sokuthola kabusha futhi ufinyelele ku-Medicare inzuzo ukuze uthole ukuhlala kwakho kanye nokwelashwa okukhokhelwa yi-Medicare. Isizathu sokungena esikhungweni sokunakekela abanamakhono kufanele sibe isimo esifanayo esibhedlela.
Imithi yokwelapha
Ngesinye isikhathi endaweni yokuhlengikaza enekhono, kufanele uqhubeke nokuhlangabezana nemigomo yokuhlinzeka nge-Medicare.
Le nqubo isekelwe ekuhloleni kwe-Medicare Data Set (MDS) okumele abasebenzi basebenze ngokuphindaphindiwe ngezikhathi ezibekiwe ukucacisa ukusebenza kwakho. I-MDS inguhlolo oluningiliziwe oluqedwe ngabasebenzi basezindaweni eziningana ezibandakanya uhlengikazi, izinsizakalo zokudla, imisebenzi kanye nomsebenzi womphakathi. Ilinganisa amakhono akho wamanje nokuthuthuka kwakho ekufinyeleleni imigomo yakho.
Uma uqhubeka nokudinga ukunakekelwa okunemakhono, njengokwelashwa ngokomzimba, emsebenzini, noma ukukhuluma, noma ukunakekelwa okuhlinzekwayo noma okuqondiswa ngabanikazi abanelayisense, uMedare uzokhokha ukuhlala kwakho ukuvuselelwa iziguli. Uma nje ungadingi lokhu ukunakekelwa ngokwe-MDS, uzothola isaziso esibhaliwe esikuxwayisa ukuthi iMedare ngeke isakwazi ukukhokha ukumboza lezi zinsizakalo.
Ingabe Imithi Ikhokhela Inkokhelo Yonke?
Impendulo emfushane: Kuncike ekutheni uthola isikhathi esingakanani ukunakekelwa esikhungweni sobuhlengikazi abanekhono.
Impendulo ende: I-Medicare izofaka amaphesenti angu-100 ezinsukwini zokuqala ezingu-20 zokuvuselelwa esikhungweni sokunakekelwa isikhathi eside, uma nje uqhubeka nokuhlangabezana nezinqubo phakathi nalezi zinsuku ezingu-20 ukuze ufanelekele lokho.
Kusukela ngosuku lwe-21, uzoba nomthwalo wemali yokukhokha ngokubambisana ngosuku bese uMedarela akhokhela insalela yosuku ngalunye kuze kube yizinsuku eziyi-100.
Ungathenga ukukhokhelwa komshuwalense ukukhokha lokhu kukhokha ngokubambisana ngokuthenga inqubomgomo yokufaka isicelo (futhi ebizwa ngokuthi umshuwalense waseMedigap). Izinqubomgomo eziningi zokwengeza zimboza ukukhokha okuphelele ukuze kube nokuphela kokungekho izindleko ezingaphandle kwamaphesenti okuhlala ekuvuseleleni iziguli.
Ngabe I-Medicare Ihlale Imboza Izinsuku Ezingu-100 Zokuguqulwa Kwezifo Eziphuthumayo?
Abantu abaningi bangaphansi kokucabanga okungamanga ukuthi i-Medicare izohlinzeka ngokuzenzekelayo ngezinsuku eziyi-100 zesikhungo sokunakekela abanekhono / ukubhuka kabusha. I-Medicare izohlinzeka ngale nzuzo kuze kube yizinsuku eziyi-100, kodwa ngenxa yezinqubo ezisungulwe, abantu abaningi bathola kuphela izinsuku ezimbalwa noma amasonto alokhu kutholakala. Asikho isiqinisekiso sokuthi inani lezinsuku uM Medicare azokhokha ngalo mhlomulo; Kunalokho, kuxhomeke ezidingo zomuntu ngamunye kanye nokuhlola kwabo kwe-MDS.
Kanjani Othile Angasebenzisa Le Mhlomulo Yezokwelapha?
I-Medicare izokhokhela ukuhlinzekwa kwekhaya lokuhlengikaza okungaphezu kwesisodwa. Ukuze ufinyelele lokhu kukhishwa uma usuvele usisebenzisa ngaphambili, udinga ukuba nezinsuku ezingu-60 lapho ungawusebenzisi khona, bese uzophinde uvumeleke futhi. Ngamanye amazwi, Uma izinsuku ezingu-60 zidlula ngaphandle kokuthi usebenzise i-Medicare inzuzo esibhedlela noma isikhungo sokunakekelwa abanekhono, inzuzo ivuselela futhi iyatholakala futhi.
Iziphi Izikhungo Ezizokwelapha Ezizokhokhela Ukuvuselelwa Kwezingane Eziphuthumayo?
Isikhungo sokunakekela abanekhono kufanele siqinisekiswe yiMedricare ukunikeza lolu hlobo lwezempilo. Ungabukeza uhlu lwamakhaya asebekhulile eMedare.gov, futhi ubone ukuthi isakhiwo ngasinye silinganisiwe. Ukukhetha nokucwaninga isikhungo kungaba umsebenzi okhuni, kodwa kunezinsiza eziningana ezitholakala ukusiza.
2) Izinhlelo ze-Medicare Advantage
Abanye abantu baye bakhetha uhlelo lweMederal Medicine futhi esikhundleni salokho bakhetha lokho okubizwa ngokuthi i-Medicare Advantage plan. Lokhu kuhlinzekwa kweMedareri okulawulwa elinye iqembu esikhundleni sikahulumeni wesifundazwe. Izinhlelo ze-Medicare Advantage (ebizwa nangokuthi i-Medicare Part C) inikezela ngokufanayo uma kuqhathaniswa nohlelo lwendabuko lweMedare, ngezinye izinto ezimbalwa:
- Amanye amapulani ama-Advantage awadingi ukuhlala esibhedlela sesinezinsuku ezintathu. Bangase bahlinzeke ngemali yezokwelapha esikhungweni sokunakekelwa abanekhono ngisho noma lowo muntu angeniswe ekhaya lakhe noma uhlala esibhedlela esingaphansi kwezinsuku ezintathu.
- Amanye ama-Advantage amapulani anezikhungo ezithile abazicabangela ku-inethiwekhi (noma ezikhethiwe) nezinye ezichazwe njengenethiwekhi . Uma isikhungo sokunakekelwa abanekhono ongathanda ukuya kuso sokuvuselela iziguli akusikho inethiwekhi yakho ye-Advantage plan, amasevisi akho angeke afakwe noma angase ahlanganiswe ngenani elincishisiwe.
- Amasu amaningi Ahlomage adinga ukugunyazwa ngaphambi kwenqubo yomshuwalense yezinsizakalo zakho okufanele zifakwe, kuyilapho iMederal yendabuko ingadingi lokhu. Lokhu kugunyazwa kwangaphambili kuhilela ikhaya labahlengikazi noma esibhedlela ukuthumela ulwazi lwakho lwezokwelapha ohlelweni lomshuwalense lapho lubuyekezwa khona. Uhlelo lwe-Advantage lube selenza isinqumo mayelana nokuthi luzokwenza yini noma ngeke lumboze ukuvuselelwa kwakho endaweni yokuhlengikaza enekhono. Uma ukugunyazwa kwangaphambili kungenziwa noma ukuhlala kwakho akuvunyelwe, uhlelo lwe-Advantage ngeke lukhokhise ukunakekelwa kwakho esikhungweni sokugula.
3) Umshuwalense Wesikhathi Eside
Umshuwalense wokunakekelwa yesikhathi eside ngumshwalense ongayithengayo okhokhela isikhathi esithile ekhaya elikhulisayo / indawo yokuhlengikaza enekhono . Izindleko kanye nenani lokwaziswa lihluka kakhulu ngokuya ngobude bokuthengwa kwakho nokuthi ngabe ukhetha ukuhlinzeka ngokugcwele noma okuyingxenye.
Ukwengeza, izinkampani eziningi zomshuwalense wezinsuku zesikhathi eside zinezinkinga zemithi noma imithi engenza umuntu angafaneleki ukukhokhelwa noma ukwandisa izindleko kakhulu. Labo ngokuvamile bahlanganisa izimo zezinzwa ezifana nesifo se-Alzheimer noma esinye isifo se- dementias , isifo sika-Parkinson, izimo ezithile zenhliziyo, nokusetshenziswa kwemithi ethile ye- psychotropic .
Uma ufaka umshwalense wokunakekelwa isikhathi eside uma usemncane futhi ngokuvamile unempilo, uzokhokha ama-premium esikhathini eside kodwa ngokuvamile ngesilinganiso esincane kakhulu. Uma ufaka isicelo uma usukhulile uma amathuba okudinga isikhungo sokunakekela abantu besakhulayo, inani lakho lenyanga yomshuwalense wokunakekelwa kwesikhashana uzobe liphakeme kakhulu.
Kungakhathaliseki ukuthi umshwalense wokunakekelwa isikhathi eside kunini kuncike ezintweni eziningi, ngakho-ke uzofuna ukukhuluma ne-agent yakho yomshuwalense mayelana nezinketho zokubiza nezindleko.
4) Ukucabangela
Abantu abaningi babeka eceleni imali yokunakekela kwabo kamuva, kodwa ngezinye izikhathi izindleko zokunakekelwa kwazo zisebenzisa imali ngokushesha, ngisho noma bezama ukuhlela kahle futhi balondoloze imali yabo. Uma izinsiza zakho zezimali seziphelile, ungafaka isicelo se-Medicaid .
I-Medicaid iyisizo sikahulumeni esisezingeni likahulumeni esilawulwa yilowo nalowo mhlaba kulabo abanomali ophelile. Umuntu kufanele afaneleke ngokwezimali (ngokuthola imali engaphansi kuka-$ 2,000 kumafa angenakubalwa) futhi afaneleke ngokwemithi (ngokuhlangabezana nezinga lokuhlola ukunakekelwa okubonisa ukuthi empeleni udinga ukunakekelwa kwezingane ekhaya, esikhundleni sokunakekelwa kokuhlala noma ukunakekelwa ekhaya .)
I-Medicaid nayo inezinhlinzeko ezithile zokuvimbela ukuphulukiswa komuntu oshade naye ohlala ekhaya lokuhlengikaza ozoqhubeka nokuhlala ekhaya lakhe noma kwenye indawo (njengezikhungo zokuzimela ezizimele noma isikhungo sokuhlala esisize).
5) Usizo lwezokuVeteran Administration and Attendance
Uma wena kanye / noma oshade naye engumdala, ungase ufanelekele usizo lwezezimali ngoHlelo Lwase-Veterans. Udinga ukuhambisa isicelo esingathatha cishe izinyanga ezintathu ukucutshungulwa. Ngemuva kokuvunywa, uzokwazi ukuthola inzuzo yanyanga zonke ngomuntu owakhonza. Le mali ingasetshenziselwa ukusiza ukukhokhela ukunakekelwa kwezingane ekhaya.
6) Inkokhelo yangasese (ngaphandle kwePokhethi)
Enye indlela yokukhokha ukunakekelwa kwesikhungo ukukhokha ephaketheni, noma lokho okuvame ukubhekwa njengekhokhelo yangasese . Ukukhokha ngasese ekunakekelweni kwesikhungo ngokuvamile kusho ukuthi unezinketho eziningi mayelana nokuthi iyiphi indawo oyikhethayo, ngoba iningi lezikhungo likhetha ukukhokha okuzimele noma amaklayenti akwaMedare, kunokuba i-Medicaid.
Ukukhokha ngasese ezindaweni zokuhlengikaza kuyabiza, ngezindleko ezingakwazi ukuhamba noma yikuphi kusuka ku-$ 250- $ 350 ngosuku (nokunye) ukunakekelwa. Lokho kungafinyelela emabaleni ama-$ 80,000 kuya ku-$ 125,000 / ngonyaka, futhi lokho kungase kube yikamelo elilodwa elingasese (elibiwe). Ezinye izakhiwo zinikeza amakamelo angasese ukuze uthole imali eyengeziwe ngosuku.
Izwi elivela
Ukuhlela phambili nokwazi okukhethwa kukho kungasiza kakhulu uma ubhekana nokukhokha ukunakekelwa kwezinsiza zokunakekela izingane. Ukwengeza, amanye ama-ejensi omphakathi namakhaya asebekhulile anamalungu abasebenzi abathola ukukusiza ukuba ufinyelele lezi zinzuzo.
Ngenkathi izindleko zokunakekelwa kwezingane ezihlengikazi zibalulekile, sithemba ukuthi kuyakhuthaza ukwazi ukuthi kunezinketho ezehlukene ezitholakala ukusiza ukumboza lezo izindleko uma, njengabaningi, ungakwazi ukukhokhela izindleko ezigcwele zalokhu ukunakekelwa.
> Imithombo:
> Medicare.gov. Ikhaya Lamahlengikazi Qhathanisa. https://www.medicare.gov/nursinghomecompare/search.html?
> Medicare.gov. Ngingazikhokhela kanjani ukunakekelwa kwezingane ekhaya? https://www.medicare.gov/what-medicare-covers/part-a/paying-for-nursing-home-care.html
> UMnyango wezeMpilo waseMelika kanye nezinsizakalo zabasebenzi. LongTermCare.gov. Ngubani okhokhela ukunakekelwa kwesikhathi eside? https://longtermcare.acl.gov/the-basics/who-pays-for-long-term-care.html
> UMnyango wezeMpilo waseMelika kanye nezinsizakalo zabasebenzi. LongTermCare.gov. Medicare. \ https://longtermcare.acl.gov/medicare-medicaid-more/medicare.html