Ngowe-1965, ukulungiswa koMthetho woKhuseleko loLuntu owasungula i-Medicare kunye neMedicaid. I-Medicare kunye neMedicaid zombini iiprogram zokuqhuba urhulumente.
I-Medicare kunye neMedicaid banamagama afanayo, ngoko ke abantu badla ngokudideka malunga nokuba yintoni inkqubo nganye. Kwezinye iimeko, abantu banokukwazi ukugqitywa yizo zombini iinkqubo.
Kananjalo unakho ukhetho kwi-coverage, eyenza ukuqonda ezi zimbini zidideke ngakumbi, kodwa ukuqonda ukungafani kunye nendlela ezi nkqubo zisebenza ngayo zinokusindisa imali kwiindleko zonyango lwakho .
Nantsi ukuhlaziywa kwabani abafanelekayo kwi- Medicare kunye neMedicaid, oko kuhlanganiswe ngenye iimeko ezingundoqo.
Ulwahlulo oluphambili phakathi kwe-Medicare kunye neMedicaid
- Ukholo oluphambili phakathi kwe-Medicare ne-Medicaid kukuba ngowona-siseko ngokusekelwe kwiminyaka yobudala, kwaye enye enye ingeniso ekuxhaseni abantu abanemithombo encinci yemali, kungakhathaliseki ubudala.
I-Medicare yiprogram yempilo karhulumente karhulumente efumanekayo kubantu abaneminyaka engama-65 nangaphezulu ubudala, okanye ngaphantsi kwe-65 abanokukhubazeka okanye izifo ezithile.
ngokuchasene
I-Medicaid yinkqubo yezempilo yemibutho karhulumente kunye neseburhulumenteni ekufanele ukufaneleka kwayo kusekelwe kwingeniso kunokuba ubudala okanye ukukhubazeka. Uxilongo lwaphuhliswa ukunceda abantu kunye neentsapho ezinemithombo encinci yemali zifumana unyango lwempilo.
- I-Medicare isebenza kumntu ofanelekileyo, kungekhona yonke intsapho. I-Medicaid isebenza kwimeko yentsapho, ngoko ke ukuba ilungu elinye lihlanganisiwe, onke amalungu entsapho aya kulungela iMedicaid.
- Unokufaka isicelo seMedicaid nanini na ukuba imeko yakho iyimfuneko, akudingeki ukuba ulinde ixesha lokubhalisa elivulekile. Kwiimeko ezininzi, abantu abafanelekayo kwiMedicaid banokukhululwa kwisigwebo ngasinye. Bona inkcazo yokufaneleka kwizantsi. Nangona, xa ufaka isicelo se-Medicare ngaphandle kwexesha lokubhalisa elivulekile unokuhlawulwa.
- Ukuxhaswa kwemilingo kunye nokufaneleka kuyahluka ukusuka kurhulumente ukuya kummandla ngenxa yokuba ilawulwa ngumbuso kunye negunya. Iziseko ezisisiseko zeMedare.
Ulwahlukileyo kwiMental kunye neMiboniso Yokunakekelwa kweMedare kunye neMedicaid
Izicwangciso zeMedare ne-B azibandakanyi ukunakekelwa kwamazinyo njengokuhlambuluka, ukuzaliswa, ukuchithwa kwezinyo, amazinyo omzimba, amacwecwe angamazinyo, okanye ezinye iifayili zamazinyo, ngoxa i-Medicaid ingabandakanya ukunakekelwa kwamazinyo okukhusela abantu abadala kumazwe athile, kunye nokunyangwa kwabanye. Oku kuyahluka ngobuso kodwa kungaba yinzuzo ecacileyo kwi-Medicare yodwa.
- Ngaphantsi kweemeko ezithile ezikhethekileyo, i-Medicare Part A ingabandakanya ukunakekelwa kwamazinyo xa ifunyenwe esibhedlele. Oku akuyi kubakho ukunyamekela kwamazinyo akho.
- I-Medicaid ibandakanya ukunakekelwa kwamazinyo kubantwana.
Ukunyamekela okunjengokuhlolwa kwamehlo, ukunakekelwa kwe-optometry okanye iiglasi kungabhekiswa nguMedicaid kumazwe amaninzi, kanti i-Medicare ingaquka ukuhlolwa kobomi okuyisiseko njengenxalenye ye-Medicare Part B ebonakalayo kwi-"Welcome to Medicare". .
Imithombo Yokunceda Ukuqonda I-Medicare ne-Medicaid Options
Ukuzama ukuqonda yonke ingcaciso malunga ne-Medicare okanye iMedicaid inokudideka kakhulu. Kukho iinkqubo ezininzi ezifumanekayo kwaye ukhetho olufanelekileyo luhlala lukhuni.
Kukho indawo ezininzi zokubulela ukufumana ulwazi olukhululekile ukukunceda wenze izigqibo ezintle. Kukho iinkqubo ezongezelelweyo ezinokufumaneka ngokuxhomekeke kwizinto ezifunekayo.
IiNkqubo zoNcedo lweNkxaso ye-inshurensi yezeMpilo (SHIP)
IiNkqubo zoNcedo lweNkxaso ye-inshurensi yezeMpilo (SHIP) zibonelela ngokukhululekileyo, ngokujulile, ngokungenabucala, ulwazi ukuze kuncede abantu baqonde ukufikelela kwabo kunye neenkqubo zorhulumente ezinokukunceda ukugcina imali. Unokufumana ukuba kukho i-ofisi ye-SHIP yangasese kufuphi nawe, okanye fumana ulwazi loqhagamshelwano kwi-website ye-SHIP.
Ukuqonda Umyinge weMedicaid
I-Medicaid inokubonelela ngononophelo lwamahhala okanye oluphantsi kweendleko zempilo kubantu abanomvuzo ophantsi kunye neentsapho, abafazi abakhulelweyo, abadala kunye nabantu abakhubazekileyo.
Ngokwe-Kaiser Family Foundation, i-20 ekhulwini labantu base-United States baxutywe nguMedicaid / CHIP ngo-2015:
I-Medicaid kunye neNkqubo ye-Intshuwalense yezeMpilo (Children's Health Programme) (CHIP) inikezela ngoncedo lwezempilo kunye nexesha elide kubantu abangaphezu kwezigidi ezingama-74 e-United States
Imimiselo ye-federalid federal ichaza iinkonzo ezithile ezinyanzelekileyo kwaye urhulumente ngamnye unokukhetha ukunikela ngeenzuzo ezikhethiweyo ukongeza kwizinto ezisiseko. Ngenxa yokuba iMedicaid ilawulwa yiphondo ngalinye, urhulumente anganquma ubungakanani beenzuzo zokuzikhethela kunye neendlela zokufaneleka.
Indlela yokulingana neMicicaid
Inkcazo yokuxilongwa kwemilingo eyahlukileyo iyahlukileyo kuneMegaire ngenxa yokuba isekelwe ukufaneleka kwemali kwaye ayikho iminyaka. Ezi nkqubo zilandelayo ziqwalaselwa xa zikhangela ukufaneleka kwiMedicaid:
- ngeniso
- ubungakanani bomzi
- ukukhubazeka
- isimo seentsapho
Abantu abafanelekile ukufumana iMedicaid bangaquka abafazi abakhulelweyo, abatsha abahlala bodwa, abazali bezingane ezigulayo, abantu abaneendleko eziphezulu zonyango, abantu abangaboniyo okanye abakhubazekileyo, okanye iintsapho eziphantsi kwemali engenayo.
Indlela yokufaneleka kwemali echongiweyo iyahluka ngoburhulumente. Abanye bathi "Ukwandisa iMedicaid" kufaka amanqanaba aphezulu okufumana umvuzo kwiinkqubo zabo zokufaneleka kunezo zizwe ezingazange zandise iMedicaid.
Lekhonkco iya kunceda ukuba ufumane ukuba urhulumente wakho ukwandisa iMedicaid, kwaye ubone ukuba ufanelekile yini kwiMediicaid ngokusekelwe kwingeniso okanye ukuba unelungelo lokulondoloza okongeziweyo kwiinkonzo zempilo.
Imizekelo yeZiseko eziPhambili okanye "eziQinisekisiweyo" zeMedicaid Benefits
Nantsi imimiselo yeenkonzo eziphambili ezingundoqo ezifakwe kwiMedicaid:
- Izibhedlele kunye neyeza zonyango
- ILebhu neenkonzo ze-x-ray
- Iinkonzo zoogqirha, iinkonzo zononophala, iinkonzo zonyango kunye neenkonzo zonyango
- Iinkonzo zocwangciso lwezentlalo kunye neentombi
- Iinkonzo zeziko lokukhusela abantu abaneminyaka engama-21 okanye ngaphezulu
- Unonophelo lwezempilo lwasekhaya kubantu abafanelekileyo kwiinkonzo zoncedo lwabongikazi
- Iinkonzo zonyango kunye neentsapho zonyango
- Ukucoca, ukuxilongwa kunye neenkonzo zonyango kubantu abangaphantsi kweminyaka engama-21
"Ulungelelwaniso oluBini" Ngaba unayo iMicare and Medicaid?
Abantu abane-Medicare banokufanelekela ukufumana iMedicaid kwaye basebenzise iMedicaid ukukunceda ukuhlawula iiprayimari zenyanga kunye nezindleko zokuphuma ngaphandle kwezinto ezifana nokunciphisa iprogram ye-Medicare. Ukuba ufanelekile kokubili "Ulungeleleneyo"
I-Medigap yenye enye ifomu yesicwangciso sempilo esongezelelweyo se-Medicare esinokukunceda ukuhlawula i-co-payers kunye neengxowankulu ukuba awufaneleki kwiMedicaid.
Ukuqonda okukhethwa kukho kwi-Medicare Coverage Options
I-Medicare inikezela ngokukhawuleza "kwiindawo" ezininzi, ngeendlela ezahlukeneyo zokucwangcisa . Unokufumana iiMveli zoMdala okanye iSicwangciso soNcedo .
Unokufumana i-Medicare kurhulumente, okanye nge-inshurensi yabucala. Ukuthatha i-Medicare ngokusebenzisa i-inshurensi yabucala, njengokuba kunjalo kwisiCwangciso seNzuzo, inokukuvumela ukhetho olungakumbi ekunyamekeleni kwakho, umzekelo, funda ngakumbi malunga neentlobo ze-inshorensi zempilo ezahlukeneyo apha .
- I-Medicare Ingxenye A ibandakanya iinkonzo zesibhedlele kwaye ihlala ikhululekile. Nangona kunjalo, unakho ukuhlawula i-Medicare inxenye A kwezinye iimeko, umzekelo, ukuba awuzange usebenze ixesha elide.
- I-Medicare Ingxenye B ibandakanya iinkonzo zonyango, kukho iindleko ezihambelana neCandelo B.
Iingxenye ze-Medicare A kunye no-B azigubungeli ngononophelo lwamazinyo, oku kungabhekiswa kwiprogram yomshuwalense eyongezelelweyo yonyango .
- I-Medicare Part C, ingaba yinto edidekayo kuba ihlanganisa iingxenye ze-A kunye ne-B, kwaye zi no kuquka neendleko zonyango. I-Medicare inxenye C yinto eyaziwa njengeSicwangciso soNcedo. Uyakwazi ukufumana iSicwangciso seNzuzo esiza kunika umbono kunye nokunakekelwa kwamazinyo. Qinisekisa kwaye ujonge zonke iinketho zakho xa uphando ngecebo elihle.
- I-Medicare Ingxenye D ibandakanya iziyobisi zonyango
Ukuba ufuna ukufikelela uluhlu lweMagare angayibhalela, ungakhangela olu luhlu lweemvavanyo ze-Medicare, inkonzo okanye imiba yecandelo leenkcukacha zokufumana ulwazi olunzulu.
Indlela yokufaneleka kwi-Medicare: Ukufaneleka kweengxenye A, B, no-C
I-Medicare Icandelo A Ukufaneleka: Kufuneka ube neminyaka engama-65 okanye ngaphezulu. Unokufanelekela kwi-Medicare ukuba uneminyaka engaphantsi kwe-65 kunye nokukhubazeka okanye izimo ezithile, isifo sesifo sokuqhawula isisu okanye isifo sikaLou Gehrig. Ukuba ukhubazekile kwaye ufumana inzuzo yezokhuseleko loluntu kwiinyanga ezingaphezu kwe-24, ungabhaliswa kwi-Medicare Part A ngokuzenzekelayo.
I-Medicare Icandelo B Ukufaneleka: Ukuba ufanelekile kwiCandelo A, ngoko ngoku sele udibene neendlela ezifanayo ukufaneleka kwiCandelo B.
I-TIP: I-Medicare Ingxenye B ikhethekileyo ngoko ke qinisekisa kwaye ubhalisele yona ngexesha okanye unokuhlawula isigwebo sokucula emva kokubhalisa.
I-Medicare Ingxenye C (I-Medicare Advantage Plans) Ilungelo: Ukuze ufaneleke kwiCandelo C, kufuneka uhlangabezane nemigangatho ye-A ne-B, nangona kunjalo, unganakho: isifo se-renal sokugqibela okanye ufune ukunakekelwa kwe-hospice. Unokutshintshwa kwiCwangciso A no-B ukuya kwisiCwangciso C ngexesha lokubhalisa . Ukuba unqwenela ukutshintsha ixesha lokubhalisa, unokuhlawulwa.
Iinkonzo ezongezelelweyo:
Funda kabanzi malunga neMicrotheri kwiNcwadana yokuSetyula kwiiNgxelo ze-Medicare, i-A, i-C, kunye no-D okanye iinkcukacha malunga neNqanaba leNtu leNtlupheko-Izikhokelo kunye namatshathi apha .
IiNkqubo zoLondolozo lweMagare kunye neProgram yoNcedo lweMedare
Kukho iintlobo ezininzi zeeNkqubo zoLondolozo lweMeditri ezingakunceda ukuba awufanelekanga kwiMedicaid. Kufanelekile ukujonge kwezi zinto ukuze ubone ukuba ufanelekile. Unokuba unomdla wokujonga kwi-Medicare Part D Low Income Income ye-Adcription Drugs: Iprogram ye-Medicare Extra Help.
Iinkcukacha zeMedicaid kunye neNkcukacha
I-Kaiser Family Foundation ye-Medicaid Pocket Primer inikeza ulwazi oluthe xaxa kunye nesicatshulwa esiphezulu sokubaluleka kweprogram yeMedicaid e-United States kunye nedatha malunga nabantu abahlukahlukeneyo abazuza kwi-coverage.