Izinzuzo zemishuwalense ye-Medicare Hospital
I-Medicare Ingxenye A
I-Medicare inezingxenye ezine , noma izinhlelo ezihlinzeka ngokuhlinzekwa ngezinsizakalo ezihlobene nempilo ehlukene. Ukuqonda indlela usebenza ngayo i-Medicare kungakusiza ukhethe ukhetho lweMedarethi olufanele kakhulu izidingo zakho.
I-Medicare Part A, eyaziwa nangokuthi uhlelo lwe-Insurance Insurance, isiza ukumboza izindleko ze:
- Ukunakekelwa kweziguli ezibhedlela
- Ukunakekelwa kwesineke esibhedlela
- Izinsizakalo zokunakekela izibhedlela
Ngubani ovumelekile we-Medicare Part A?
Uma uneminyaka engama-65 noma ngaphezulu, utholakele ngokuzenzakalelayo kwi-Medicare Part A. I-Medicare Ingxenye A ukuqala kokuqala kuqala ngosuku lokuqala lwenyanga uvula iminyaka engama-65. Kufanele futhi uthole ikhadi lakho leMedareri ezinyangeni ezintathu ngaphambi kokuzalwa kwakho okungu-65.
Uma ungaphansi kweminyaka engu-65 uvumelekile ukuthola ingxenye Yenzuzo ngaphansi kwezimo ezilandelayo:
- Uthole Umshuwalense Wokukhubazeka Kwezenhlalakahle iminyaka engaphezu kwengu-2 - kufanele uthole ikhadi lakho leMedare ngeposi ngaphambi kwenyanga yakho yama-25 yokukhubazeka.
- Unesifo esingapheli sezinso (isifo sokuqeda isisindo sokugcina, noma i-ESRD) sidinga ukudayiswa okuqhubekayo noma ukufakelwa kwezinso . Imithetho ekhethekile isebenza kubantu abane-ESRD.
- Utholwe ukuthi une-amyotrophic lateral sclerosis (isifo sikaLou Gehrig). Uma une-ALS, uthola Ingxenye A ngenyanga izinzuzo zakho zokukhubazeka ziqala.
Ingabe Kufanele Ngikhokhele I-Medicare Ingxenye A?
Uma ufanelekile ku-Medicare ngeke ukhokhe intela yanyanga zonke yeNgxenye A uma wena noma oshade naye bakhokhela intela ye-Medicare yokukhokhwa intela ngenkathi usebenza.
Uma wena noshade naye ningasebenzi noma ningakhokhi intela ye-Payroll eyaneleyo , kungenzeka ukuthi ningakwazi ukuthola ingxenye ye-premium-free ye-premium. Kodwa-ke, ungakwazi ukuthenga Ingxenye A ngokukhokha i-premium yenyanga, efika ku-$ 461 2010. Kufanele uxhumane nehhovisi lakho lezokuphepha kwezenhlalakahle izinyanga ezintathu ngaphambi kokuzalwa kwakho kwezinsuku ezingu-65 ukuze ubhalise.
Uma ukhetha ukuthenga i-Medicare Part A, nawe uzodingeka ungene ngemvume bese ukhokhela i-premium ye- Medicare Part B. Uma imali yakho engenayo isinganiselwe futhi awukwazi ukukhokhela amaphrimiyamu yanyangazonke weNgxenye A kanye / noma Ingxenye B, isimo sakho singase sibe nohlelo lokusiza. Ukuze uthole ulwazi bheka incwajana ethi Thola Usizo Ngezindleko Zakho ZeMithi futhi uvakashele isayithi le-State Health Assistance Program (SHIP) ukuze uthole ulwazi mayelana nokululekwa kwamahhala esifundazweni sakho.
Yini i-Medicare Part A Cover?
Ukuhlala Isibhedlela
Izinsizakalo ezihlanganisiwe zihlanganisa igumbi lesigumbi lesigumbi, ukudla, ukunakekelwa okujwayelekile, ukunakekelwa kwemithi, nezinye izinsizakalo ezibhedlela. I-Medicare ayifuni ukuhlinzekwa kwabahlengikazi abazimele, izindleko zocingo noma ithelevishini ekamelweni lakho lesibhedlela, izinto zokunakekela izinto ezifana nezindlu zangasese, noma igumbi elizimele, ngaphandle uma kudingekile ukwelashwa kwakho.
Kuzodingeka ukhokhe ekunakekeleni kwakho kanye ne-Medicare ineminye imikhawulo ekubanjweni esibhedlela.
Ngesikhathi ngasinye sokuhlomula ngo-2010 ukhokha:
- I- deductible ephelele ye $ 1,100 yokuhlala esibhedlela kwezinsuku ezingu-1-60.
- $ 275 ngosuku ngezinsuku 61-90 zokuhlala esibhedlela.
- $ 550 ngosuku ngosuku 91-150 kwezinsuku zokuhlala esibhedlela (Izinsuku Zokuphila Zokuphila).
- Zonke izindleko zosuku ngalunye ezingaphezu kwezinsuku ezingu-150.
Ukwengeza, ukunakekelwa kwempilo yengqondo engelapheki esibhedlela sengqondo kunomkhawulo ezinsukwini ezingu-190 zokuphila kwakho.
A Dr. Mike incazelo: Isikhathi sokuhlomula (noma isipele sokugula) siqala usuku oya esibhedlela (noma isikhungo sokunakekelwa abanekhono, noma i-SNF) bese siphela lapho ungakutholi ukunakekelwa kwezingane (esibhedlela noma eSNF) izinsuku ezingu-60 zilandelana. Kuzodingeka ukhokhe isifo esibhedlela sokudonswa kuzo zonke izinzuzo.
Isikhungo sosizo lwezokwelapha
Izinsizakalo ezihlanganisiwe zibandakanya igumbi lesigumbi, lesidlo, ukuhlengikaza okunemakhono kanye nezinsizakalo zokuvuselela, nezinto ezihlobene. Ukuhlala kwakho ku-SNF kuzokwenziwa yi-Medicare kuphela emva kokuhlala esibhedlela esibhedlela okungenani kwezinsuku ezintathu ukugula okuhlobene noma ukulimala okuhlobene.
Isibonelo, uma ungene esibhedlela ngesifo sokushaya isonto elilodwa, indawo yokuhlengikaza enekhono ehlala ukuvuselelwa izotholakala.
Awunayo izindleko ezinsukwini ezingu-20 zokuqala kwi-SNF, uzobe ukhokhela (ngo-2010) $ 137.50 izinsuku ezingu-21 kuya ku-100 kanye nazo zonke izindleko ngosuku nosuku 100. Lokhu kusebenza esikhathini ngasinye sokuhlomula.
Usizo lwezeMpilo ekhaya
Ukuze uthole ukuhlinzekwa kwezinsizakalo zezempilo zasekhaya ezivela eMedare, kuzomele ube khona ekhaya (okusho ukuthi ukushiya ekhaya kuyimzamo enkulu), udokotela wakho kumele alawule ukunakekelwa kwakho, futhi izinsizakalo kufanele zinikezwe i-ejensi yezempilo eqinisekisiwe ye-Medicare.
Ukunakekelwa kokunakekelwa kwezempilo ekhaya kubandakanya kuphela ukwelashwa kwempilo, izinsizakalo zesikhathi esithile ezifana nokunakekelwa kwabahlengikazi abanekhono, ukunakekelwa kwezempilo ekhaya, ukwelashwa ngokomzimba noma emsebenzini, i-pathology yolwazi lokukhuluma, kanye nezinsizakalo zezenhlalakahle. Ibuye ifake imishini yokwelapha eqinile (njengezihlalo zabakhubazekile, imibhede yezibhedlela, abahambahamba, i-oxygen) kanye nemithi yokwelapha yokusetshenziswa ekhaya .
Ngeke ube nezindleko ezihlobene nezinsizakalo zangempela ezinikezwe ekhaya lakho. Kodwa-ke, kuzodingeka ukhokhe imali ye- coinsurance ye-20% yemali evunyelwe i-Medicare nganoma yimiphi imishini ehlala njalo yakho oda yakho kadokotela.
Ukunakekelwa kwe-Hospice
Ukunakekelwa kwezibhedlela kunabantu abanesifo esibulalayo okulindeleke ukuba baphile izinyanga eziyisithupha noma ngaphansi. Ukuhlanganisa kuhlanganisa imithi yokukhulula ubuhlungu, nokulawula ezinye izimpawu; ukwelashwa, ukwelashwa, kanye nezinsizakalo zomphakathi; kanye nokululekwa kwesisindo. Izinsizakusebenza kufanele zinikezwe i-hospice elamukelwe yi-Medicare .
I-Medicare izophinde ihlinzekele ukunakekelwa kokuphulukiswa kwesineke, okukhathalelayo othola ngakho ukuze umnakekeli wakho avamile angaphumule. I-Medicare izoqhubeka nokufaka ukunakekelwa kwe-hospice yakho uma nje udokotela wakho we- hospice noma umqondisi wezokwelapha we-hospice eqinisekisa ukuthi uyagula.
Nakuba kungabizo izindleko zokuhlinzekwa kwezibhedlela , uzothola ikhodi ye-$ 5.00 ngayinye yemithi yesiguli futhi uzokhokhiswa imali engu-5% yemali evunyiwe ye-Medicare yokunakekelwa kokuphulukiswa kweziguli.
Kufanele Ngibhalise ku-Plan Medigap?
Ngenkathi i-Medicare Part A izokhokha cishe iningi lesibhedlela sakho kanye nezindleko zokunakekela abahlengikazi abanekhono, uzothola izindleko ezingaphandle kwe-pocket . Ngakho-ke, ungase uthande ukucubungula uhlelo lweMedigap ukuze usize ukukhokha izindleko zakho eziphuma ngaphandle njengezidakamizwa zesibhedlela , izindleko zokukhokhiswa kwemali , kanye nekhophi. Uma ubhalisa ohlelweni lwe- Medicare Advantage , ezinye zezindleko zingase zihlanganiswe.