Medicare Chikamu B Haisi Kusununguka, uye Hazvifukidze Zvinhu Zvose
Chimwe chikamu chekurapa kwaMedare , Chikamu A, yakasununguka kune vazhinji veAmerica vakashanda muUnited States uye naizvozvo vakabhadhara mitero yebhasiro yemitero kwemakore akawanda.
Chikamu A chinonzi "inshuwarisi yezvipatara." Kana iwe uchikodzera Social Security, iwe uchakodzera Chikamu A.
Chikamu B, chinonzi inishuwarenzi yezvokurapa, haisi kusununguka. Iwe unobhadhara premium yemwedzi weMedareti B. Chikamu B chikamu cheMedarere icho chinonyanya kufanana nezvaunofunga nezvehutano hwehutano inshuwarisi. Ngatitarisei kuti Medicare Part B inopi.
Iro Mishonga Ipi Inhengo B Inosangana
Chengetedza Medicare uye Iwe bhuku rekushandisa uye uchawana mapeji 25 anotsanangura maitiro akavharwa aripo pasi peMedareti Chikamu B. Zvizhinji zvebasa rinovharwa zvinowanikwa pasi pekubhadhara uye kubhadhara mari.
Muzhinji, Medicare Chikamu B inobata mishonga inobatsira yemishonga uye zvigadzirwa zvinodiwa kuti uongorore uye kurapa mamiriro ezvehutano. Medicare Chikamu B chinosanganisira mamwe marudzi ekuchengetedza kuchengetedza. Ngatitange nekutarisa zvimwe zvekudzivirira mabasa akavharwa.
Preventative Services
Iwe kazhinji hauzokwanisi kubhadhara zvimwe zvekudzivirira mabasa.
Pasi pane muenzaniso wezvidziviriro zvekuchengetedza zvakabatwa neMedare Chikamu B. Zvimwe zvebasa risina kunyorwa apa zvinogonawo kuwanikwa.
Zvimwe zvezvibvumirano zvekudzivirira zvakaputirwa ndezvi: kunwa doro zvisina kuongororwa, kuwedzera kwepfupa zviyero, moyo wehutano zvirwere zvekuongorora, mammograms, kenza kuongorora (zvakadai semucheche, colorectal, prostate, nezvimwewo) chirwere cheshuga kuongorora, kuora mwoyo kuongorora, chirwere cheshuga, screening, chirwere chechirwere, glaucoma miedzo (kana iwe uchifunga kuti uri pangozi yakakura yechirwere ichi), pneumococcal shot, uye kushanya kwegore negore "zvakanaka".
Zvimwe zveMutungamiri Zvinodiwa Zvemabasa
Pane zvimwe zvinhu zvakafukidzwa neChikamu B mune zvekudzivirira maitiro ekudzivirira. Kune zvakawanda zvezvinhu izvi, deductible inogona kushanda, uye iwe unogona kubhadhara 20 muzana yemari ye Medicare-yakagamuchirwa. Nokuda kwechikonzero ichi, vanhu vazhinji vanewo chirongwa cheMederal Supplement, dzimwe nguva chinonzi chirongwa cheMedigap, kuti vabatsire kuvhara "zvipembenene" muhuwandu.
Pano pane zvimwe zvinhu zvakafukidzwa neChikamu B chingave chichiisa pasi pezvakabhadharwa uye kubhadharwa: maambulance services, kugadziriswa kwemoyo, chikamu chekurapa chemotherapy, kuiswa mishonga yezvokudya, chirwere cheshuga, mishonga yekurapa yakasimba (yakadai semidhijhini midziyo, maguruvhiri, vanofamba ), mamwe maitiro ehutano hunodiwa hutano hwehutano hwehutano, hopi dialysis uye zvipo, kurapa kwepanyama, maonero ekupedzisira ekuongorora, miedzo yakadai seMRIs, CT scans, EKG / ECGs, uye chirongwa che CPAP (kwemwedzi mitatu) kana wakambove vanorwara vane chirwere chisingaoneki chokurara.
Cherechedza: mamwe mabasa asina kunyorwa anogonawo kuvharwa.
Lab Services
Medicare Chikamu B chinosanganisira maitiro akawanda emabato akadai sekuongororwa kweropa, urinalysis, uye kuongororwa pamashizha emhando. Kazhinji, haungabhadhara mari yakawanda nokuda kwebasa iri.
Izvo Zvisingawanikwi NaMedare Chikamu B
Kunyanya kutarisirwa kwamazino, kusanganisira mazino, hausi pasi pevamwe chikamu cheMedare.
Mavhenekeri emaziso ane chokuita nekuraira magirazi (vs. yakabatana nechirwere kana kukonzera), kuvhiyiwa kwekuzora, kugadziriswa, kunzwa kunobatsira, kuongororwa kwakakodzera kwakabatana nekunzwa rubatsiro, uye mazano ekugadzirisa maitiro haafaniri kuvharwa neMurepa weB B kana nechimwe chikamu cheMedare.
Uyezve, vanhu vazhinji havazivi kuti Medicare haingabatsiri kwenguva refu. Kutarisira kwenguva refu hakusi kwekurapa kunoenderana nemabasa matanhatu ekugara kwezuva nezuva . Somuenzaniso, vanhu vazhinji vanoda rubatsiro gare gare muupenyu nemabasa akaita sekushambidza, kupfeka, kugadzirira kudya, nekushandisa imba yekugara. Urwu hutarisiro haruna kufukidzwa pasi peMedare.
Medicare Chikamu A chinovhara chikamu chemari yevashandi vekuchengetwa kwevana vane unyanzvi, asi mushure mekunge mushure memazuva matatu muchipatara chipatara chiripo. Vanhu vazhinji vanoda unyanzvi hwekuchengetedza musha unoziva nezvekuremara kana chirwere asi hausangane nechepakati pekugara kwechipatara zvinodiwa.
Izvi zvinoreva kuti haukwanise kuverenga Medicare Chikamu A kana Chikamu B kuti uwane musha wevanotarisira kana mari yekuchengetedza kwenguva refu.
Zvisinei, kana mari yako uye mari yako yakaderera zvakakwana, unogona kuve wakakodzera kuMedicaid. Kana iwe uchikodzera kuMedicaid uye musha wako wekuyamwisa kana kutarisira kwenguva yakareba kunoonekwa semuviri unodiwa, ipapo Medicaid (kwete Medicare) inogona kuvhara mari.