Indlela Izinhlelo Zisebenza Ngamanye Ngayo
Nakuba zingase zizwakale zifana, i- Medicare ne-Medicaid yizinhlelo ezimbili ezihluke kakhulu. Omunye uhloselwe ukuhlinzeka ngempilo kulabo asebekhulile kanye / noma abakhubazekile ngenkathi omunye enikeza ukunakekelwa kwezempilo kwabampofu.
Izigidi zaseMelika zifanelekile kokubili izinhlelo, izigidi ezingu-8.3 ngokusho kwamaCenter for Medicare neMediicaid Services. Laba bahlomuliwa kuthiwa bafanelekile kabili.
Ukuqonda ukuthi izinhlelo zizosebenzisana kanjani kuzokusiza ukuba usebenzise kakhulu ulwazi lwakho lwezempilo.
Izinyathelo Zesibili Zokufaneleka
Ukufaneleka kwamagciwane kuyafana noma ngabe uhlalaphi. Isethwe uhulumeni wesifundazwe. Ukuze ufaneleke ku-Medicare, udinga ukuba neminyaka engama-65 noma ngaphezulu noma ube nokukhubazeka okufanelekayo . Ngaphezu kwalokho, kumele uhlangabezane nesakhamuzi sase-US noma izidingo zokuhlala ngokusemthethweni zomthetho .
Ngakolunye uhlangothi, ukufaneleka kwemithi ye-Medicaid, kuyahlukahluka ngokwezwe. Nakuba uhulumeni wesifundazwe ebeka izidingo zohlelo oluphansi, uhlelo ngokwayo luqhutshwa yizizwe ezizimele. Umbuso ngamunye unenketho yokulungisa amazinga abo okufaneleka.
I-Medicaid ihloselwe ukunikeza ukunakekelwa kwezempilo kubantu abanomholo ophansi ngaphansi kwezigaba ezahlukene: izingane, abesifazane abakhulelwe, abazali, abadala, nabantu abakhubazekile. Ngokwemibandela ye-Care Affordable Act, abantu abadala abangenabantwana nabo bangaphakanyiswa uma isimo sabo samukela imigomo yokukhulisa iMedicaid.
Kungenzeka ukuthi ufanelekele izinzuzo ezigcwele ze-Medicaid noma ukuthi ufanele ukuthola izinzuzo ezivela kuhlelo olulodwa lwe-Medicare Savings olunikezwa ngehhovisi lakho laseMedicaid. Uma ufanelekile ku-Medicare futhi uhlangabezana nezidingo zeMedicaid noma enye izinhlelo ezine ezilandelayo, ungase uvumeleke kabili.
Uhlelo olufanelekayo lwezeMithi (Beneficiary Beneficiary (QMB)
Uhlelo olucacisiwe lwe-Medicare Beneficiary (SLMB) lwe-Low-Income
Uhlelo olufanelekayo lwe-Individual (QI)
Ukukhubazeka Okufanelekile Ukusebenza Uhlelo Olulodwa (QDWI) Uhlelo
Izindleko zokudakwa kwezidakamizwa
I-Medicaid idinga ukuba ubhalisele ukuhlinzekwa kwezidakamizwa zemithi ngokusebenzisa i-Medicare, ngabe ngabe kube necebo leNgxenye D noma uhlelo lweMedricare Advantage ngezibonelelo zemithi kadokotela, owaziwa njengeluhlelo lwe-MA-PD. Uma uhlanganyela ohlelweni olwengeziwe losizo, insizakalo ephansi engenayo yokuthola imithi yezidakamizwa, kodwa kufanele ubhalise ku-Original Medicare ne-Part D, hhayi uhlelo lweMederal Benevantage. Kungenzeka ukuthi iminye imithi engazange ihlanganiswe uhlelo lwakho lweMedricare izokwenziwa yi-Medicaid.
Izindleko Zasekhaya Zokuhlengikazi
Nakuba i-Medicare ikhokhela ukuhlala ezindaweni zokuhlengikaza ezinekhono ngemuva kokubhedlela , ayinalo ekunakekeleni ukunakekelwa kwesikhashana eside. Ngemuva kokuhlala esibhedlela esifanele ngo-2018, izinzuzo zakho zeNgxenye A zizokhokhela zonke izindleko zasekhaya zokwelapha kuze kube yizinsuku ezingu-20. Ngemuva kwezinsuku ezingu-21 ukuya ku-100, uzokhokha ikhodi ye-$ 167.50 ngosuku, futhi ekhaya lomhlengikazi lihlala isikhathi eside kunalokho, uzokhokha inani eligcwele.
Njengoba izigidi zabantu abadala abathintekayo ngenxa yokugula komzimba futhi abangakwazi ukuzinakekela ngokwenyama, ukunakekelwa kwekhaya lokuhlengikaza kuyinzuzo ebalulekile kubantu abaningi.
Labo abafanelekile ababili bangasebenzisa iMedicaid ukukhokhela ukunakekelwa kwekhaya lokuhlala isikhathi eside .
Usizo lwezeMpilo alugciniwe yi-Medicare
I-Medicare ayiyona uhlelo oluhlanganisa konke. Ukuhlolwa kwamazinyo, ukuzwa nokubonwa kombono akuhlinzekiwe noma amazinyo, ukuzwa ama-lens, noma amalayisensi okulungisa phakathi kwamanye amasevisi wezempilo. Uma uhlelo lwakho lwe-Medicaid lunikeza lezi zinsizakalo, ungase uzuze ekubanjweni okungeziwe.
Ukukhokhela Ukunakekelwa Kwempilo Yakho
Ngokuvamile, i-Medicare ikhokha kuqala futhi i-Medicaid ikhokha okwesibili. Kulabo abafanelekela uhlelo lwe-QMB, i-Medicaid izokhokha izindleko zeMedare, kufaka phakathi amaphrimiyamu A-Part A, ama-premiums premium B, ama-deductibles, u-coinsurance, nama-copayments .
Yilokho okwenzekayo ngisho noma isevisi ye-Medicare ingavame ukumbozwa nge-Medicaid noma uma ubona umhlinzeki wezempilo ongamukeli i-Medicaid ukuze akhokhe.
Uma ungafanelekile ku-QMB, i-Medicaid ingakhokha kancane. Amazwe akudingeki akhokhe uma isevisi ye-Medicare ingeyona insizakalo ye-Medicaid noma uma umzuzi ebona umhlinzeki weMediare ongesiye umhlinzeki we-Medicaid.
Izwi kusuka
Ungacabangi ukuthi ngoba useMedarethi ukuthi awufanelekeli i-Medicaid. Eqinisweni, ngezigidi zabantu abadala, okuphambene ngqo kuyiqiniso. Uma unzima ukuthola izidingo eminyakeni yakho yokuthatha umhlalaphansi, bheka ukuthi ufanelekile yini ku-Medicaid. Lokhu kungaba yindlela enengqondo kakhulu yokunciphisa izindleko zezempilo.
> Umthombo:
> Ukutholwa Okubili. I-Medicaid.gov. https://www.medicaid.gov/affordable-care-act/dual-eligibles/index.html.
> Abahlomuli ababili abafanelekayo ngaphansi kweMidiyo ye-Medicare neMedicaid Programs. Amasevisi we-website ye-Medicare ne-Medicaid Services. https://www.cms.gov/Outreach-and-Education/Medicare-Learning-Network-MLN/MLNProducts/downloads/Medicare_Izinzuzo_Dual_Eligibles_At_a_Glance.pdf. Kushicilelwe ngo-February 2016.
> Izinhlelo ze-Medicare Savings. Medicare.gov. https://www.medicare.gov/your-medicare-costs/help-paying-costs/medicare-savings-program/medicare-savings-programs.html.