I-Medicare ne-Medicaid: Uyini Umehluko?

Indlela Abasebenza Ngayo Ngamanye

I-Medicare ne-Medicaid izwakala okuningi ngokufanayo. Zibukeka ngendlela efanayo, zithinte izinhlamvu ezimbili zokugcina ngamagama abo. Akumangazi ukuthi izinhlelo zivame ukudideka emehlweni omphakathi. Ukuze usebenzise kakhulu lezi zinhlelo, udinga ukuqonda ukuthi yini eyenza i-Medicare ne-Medicaid ifane.

Izindlela ezintathu ze-Medicare ne-Medicaid Ziyinto efanayo

1. Bobabili yizinhlelo zomshuwalense wezempilo. Impilo yisidingo esiyisisekelo, kodwa akuwona wonke umuntu ongakwazi ukukhokhela umshuwalense wezempilo wangasese ukuze athole ukunakekelwa abayidingayo. Ngomhla ka-30 kuJulayi 1965, uLyndon B. Johnson wasayina iMediare neMedicaid ukuba yinikeze ukuhlinzekwa kulabo abanesidingo esikhulu.

1. Bobabili baqhutshwa uhulumeni wesifundazwe. Amasevisi weMediare and Medicaid Services (CMS) yi-ejensi ngaphakathi eMnyangweni wezeMpilo noMnyango wezeMisebenzi waseMelika olawula lezi zinhlelo. I-CMS isetha iziqondiso zokufaneleka nokuthi yiziphi izinsizakalo zezokwelapha okufanele zifakwe.
2. Bobabili banikeza usizo lwezokwelapha kwabakhubazekile. I-Medicare ihloselwe kulabo abangaphezu kweminyaka engama-65 ubudala kanye ne-Medicaid eya kumaMelika anemali ephansi. Nokho, zombili izinhlelo zandisa ukufaneleka kubantu abakhubazekile. I-Medicare inezidingo zokufaneleka zokukhubazeka ezisetshenziswe kuwo wonke amazwe, kepha umbuso ngamunye ungaba nemigomo ehlukile uma kuziwa ekufanelekeni kweMedicaid.

Izindlela ezi-4 ze-Medicare ne-Medicaid zihlukile

1. I-medicaid uhlelo lwe-state, kepha i-Medicare ayikho. Uhulumeni wesifundazwe usungula iziqondiso zeMedicaid, kodwa uhulumeni ngamunye uqhuba uhlelo lwakhe. Ngenxa yalesi sizathu, ukungena ku-Medicaid kuyahluka kusuka esimweni kuya kwesimo . Ngakolunye uhlangothi, i-Medicare iqhutshwa uhulumeni wesifundazwe kuphela. Lokhu kuholela ekufinyeleleni okunye okufanayo kwe-Medicare kungakhathaliseki ukuthi uhlala kuphi ezweni.

1. I-medicaid ivulekile kuwo wonke umuntu, kodwa uMedarey akuyona. I-Medicaid ihlanganisa abantu abahola imali engenayo yonke iminyaka - izingane ezisanda kuzalwa, izingane, abadala, abadala - kungakhathaliseki ukuthi yikuphi ukukhubazeka okuyisisekelo. Kodwa-ke, i-Medicare ibeka umkhawulo wokufaneleka kulabo abaneminyaka engama-65 nangaphezulu ngaphandle kokuthi kukhona nokukhubazeka okuhlangabezana nemigomo ethile yokufaneleka.

1. I-Medicare inezingxenye ezihlukene, kodwa i-Medicaid ayikho. I-Medicare ihlelwe phansi zibe izingxenye ezine: A, B, C, noD . Ingxenye ngayinye ihlanganisa isici esihlukile sokunakekelwa kwezempilo (isifo sokugula, isiguli, noma izidakamizwa zemithi kadokotela) futhi inezinqumo zayo nezindleko zayo . Kufanele ubhalisele ingxenye ngayinye ngokwehlukana. I-medicaid ilula futhi ayiphunduli zibe izingxenye ezihlukene. Ufaka isicelo sohlelo olulodwa ukuthola zonke izinzuzo.
2. I-Medicaid ikusiza ukuba ukhokhele iMedare, kodwa hhayi ngokufanayo. Uma ungomunye wezigidi ezingu-8.3 zaseMelika ezifanelekile kokubili i-Medicare ne-Medicaid, ukufaneleka kwakho okubili kungakubeka inzuzo. I-medicaid ingakusiza ukuthi ukhokhe ama-premium, ama-deductibles, kanye nezindleko zemali ezikhokhelwa yi-Medicare ekhokhelwe kuwe. I-Medicare ngeke yenze okufanayo kunoma yiziphi izindleko zeMedicaid. I-Medicare ikhokha kuphela i-Medicare.

Kanye, Medicare kanye neMedicaid kusiza izigidi zabantu baseMelika ukuba bathole ukunakekelwa kwezempilo okungabizi. Lezi zinhlelo zinezimo ezihlukile zokufaneleka kodwa zinikeza isevisi edingekayo kulabo abaswele. Thola okuningi ukuze ubone ukuthi lezi zinhlelo zingakuzuzisa kanjani.

> Umthombo:

> Abadala & Medicare kanye nabakwa-Medicaid Enrollees. Iwebhusayithi yakwaMedicaid.gov. https://www.medicaid.gov/medicaid/eligibility/medicaid-enrollees/index.html.