Muna 1965, kuchinjwa kweSocial Security Act yakagadza Medicare neMedicaid. Medicare neMedicaid zvose zvirongwa zvehurumende.
Medicare uye Medicaid vane mazita akafanana, saka vanhu vanowanzovhiringidzika pamusoro pezvinhu zvese zvepurogiramu inosangana. Mune zvimwe zviitiko, vanhu vanogona kunge vakakodzera kuvharwa nezvirongwa zvose.
Iwewo une zvingasarudzwa muhuwandu, izvo zvinoita kuti kunzwisisa aya mapurogiramu maviri kunyanya kuvhiringidza, asi kunzwisisa kusiyanisa uye kuti mapurogiramu aya maviri anoshanda sei anogona kukuchengetedza mari pamari yako yekutarisira utano .
Heino kuongororwa kweavo vanofanirwa neMurengeti neMedicaid, izvo zvakaputirwa nezvimwe zvekusiyanisa kukuru.
Kusiyana Kunokosha pakati peMedare uye Medicaid
- Chinokosha chakakura pakati peMedare uye Medicaid ndechekuti imwe inonyanya kukwegura, uye imwe yacho inowanikwa mari inobatsira vanhu vasina mari shoma, zvisinei nezera.
Medicare chirongwa chehutano hwehurumende yehurumende inowanikwa kune vanhu vane makore 65 nekure, kana pasi pe65 nehumwe hurema hwehutano kana zvirwere.
vs.
Medicaid inoshanda pamwe chete nehurumende yehurumende yehutano hurongwa hwehutano hwakakosha hunobva pane mari pane zvekukwegura kana kuremara. Medicaid yakagadzirirwa kubatsira vanhu nemhuri dzine mari shoma yekuwana rubatsiro rweutano.
- Medicare inoshanda kumunhu anodiwa, kwete mhuri yose. Medicaid inoshanda kumamiriro ezvinhu emhuri, saka kana imwe nhengo yakavharwa, nhengo dzose dzemhuri dzichakwanisa kupiwa Medicaid.
- Iwe unogona kushanda kuMedicaid chero nguva iyo mamiriro ako achibvumirana nayo, iwe haufaniri kumirira nguva yekunyora yakazaruka. Muzviitiko zvakawanda, vanhu vanofanirwa neMedicaid vangasunungurwa kubva pamutongo mumwe nomumwe. Onai nzira yekugadzirisa iri pasi apa. Iko apo, apo iwe unoshanda kuMedarere kunze kwekunyora kwakasununguka iwe unogona kupiwa chirango.
- Medicaid kugoverwa uye kukodzera kunosiyana kubva kuhurumende kuenda kune imwe nyika nekuda kwekuti zvose zviri zviviri zvehurumende uye zvehurumende zvakagadzirirwa. Mishonga yemishonga inowanikwa.
Kusiyanisa muDental uye Vision Kuchengetedza muna Medicare vs. Medicaid
Medicare inoronga A uye B haaisanganisi mazino akadai sekuchenesa, kuzadza, kuisa mazino, mazino, mazino emazino, kana mamwe mazino emeno, asi Medicaid inogona kuvhara maitiro ekurapa mazino kuvanhu vakuru mune dzimwe nyika, pamwe nekurapa mune vamwe. Izvi zvinopesana nehurumende asi zvinogona kunge zvakanyanyobatsira pane Medicare chete.
- Pasi pemamwe mamiriro ezvinhu chaiwo, Medicare Part A inogona kuvhara mazino kana ichigamuchirwa muchipatara. Izvi hazviwanzorevi kutarisira mazino ako.
- Medicaid inobata vana mazino.
Zviratidzo Kuchengetedza sezvinoitwa maziso, maziso e-optometry kana magirasi angave akafukidzwa neMedicaid munyika dzakawanda, asi Medicare inogona kusanganisira maonero ekuona zviratidzo sechikamu cheMurengeti weChirwere cheBega mu "Welcome to Medicare" kushanyira kudzivirira kana kushanya kwe "Wellness" gore negore .
Zvinyorwa Zvekubatsira Kunzwisisa Medicare uye Medicaid Options
Kuedza kunzwisisa zvose zvese zveMedare kana Medicaid zvinogona kuvhiringidza. Iko kune mapurogiramu akawanda anowanikwa uye kuita sarudzo yakanaka kakawanda kwakaoma.
Pane kune nzvimbo dzakawanda dzekutenderera kuwana ruzivo rwekusununguka kukubatsira kuita zvisarudzo zvakanaka. Panewo mamwe mapurogiramu angave aripo zvichienderana nezvinodiwa iwe.
State Health Insurance Assistance Programs (SHIP)
State Health Insurance Assistance Programs (SHIP) inopa rusununguko, zvakadzika, isingasaruri, ruzivo kuti rubatsire vanhu kunzwisisa kugoverwa kwavo uye zvirongwa zvehurumende zvinogona kubatsira kuchengetedza mari. Unogona kuziva kana pane hofisi yeSNS iko pedyo newe, kana kuwana ruzivo rwekutsvaga kubva paSNS website.
Kunzwisisa Medicaid Coverage
Medicaid inogona kupa hutano hwakasununguka kana husingabhadhari kuhutano kune vanhu vanotora mari shoma uye mhuri, vakadzi vane pamuviri, vakwegura uye vanhu vane hurema.
Maererano neKaiser Family Foundation, 20 muzana yevanhu muUnited States vakafukidzwa naMedicaid / CHIP muna 2015:
Medicaid neIndaneti Health Insurance Program (CHIP) inopa hutano nekuchengetedza kwenguva refu kune vanhu vanopfuura mamiriyoni 74 muUnited States
Medicaid mitemo yezvematongerwo enyika inotaura zvakajeka zvikonzero zvinotarisirwa uye humwe hurumende inogona kusarudza kupa zvipo zvingasarudzwa kunze kwezvakakosha. Nemhaka yokuti Medicaid inogadziriswa nehurumende imwe neimwe, hurumende inogona kutarisa kuwanda kwezvipo zvinosarudzwa pamwe chete nekodzero yekufanirwa.
Nzira Yokufananidza nayo Medicaid
Medicaid coverage yakasiyana neyeMedare nokuti inowanikwa mune zvekubhadhara mari uye kwete yezera. Izvi zvinotevera zvinotariswa pakufunga pazvinotarisa kukodzera kuMedicaid:
- mari
- imba yemhuri
- kuremara
- mamiriro emhuri
Vanhu vangave vakakodzera kuMedicaid vangasanganisira vakadzi vane pamuviri, vechidiki vanogara vari voga, vabereki vevana vanorwara, vanhu vane mari yepamusoro yehutano, mapofu kana vakaremara, kana mhuri dzisingabatsiri yepamusoro kana vanhu.
Nzira iyo kukodzera kwemari kunotarirwa kunopesana nehurumende. Vamwe vanoti kune "Expanded Medicaid" inosanganisira yakakwirira mari yepamusoro pane yekufanirwa kwayo kunyorera kune avo vasina kuwedzera Medicaid.
Izvi zvinokubatsira kuti uzive kana nyika yako iri kuwedzera Medicaid, uye ona kana iwe uchifanirwa neMedicaid zvichienderana nemari inowanikwa kana kuti iwe unokodzera kuwana mari yakawedzerwa pane zvehutano.
Mienzaniso yeChechi kana "Inotenderwa" Medicaid Benefits
Heano mimwe mienzaniso yezvinhu zvinokosha zvinokosha zvinogona kuiswa muMedicaid:
- Hospitalization uye kuchipatara mushonga
- Laboratory uye x-ray mazano
- Chiremba mabasa, vanachiremba mazano, zvechiremba uye zvokuvhiya mazino emeno
- Zvirongwa zvekuronga mhuri nekuyamwisa
- Nursing kituo chekuitira vanhu vane makore 21 kana kupfuura
- Musha wehutano hwehutano hwevanhu vanofanirwa kune vanamukoti mazano
- Vanachiremba uye vana vemhuri vanoita mabasa
- Kuongorora, kuongororwa uye kurapwa kwevamwe vanhu vari pasi pemakore 21
"Zvinowanikwa Chechipiri" Unogona Kuva neMishonga uye Kufungidzira Here?
Vanhu vane Medicare vanogonawo kukodzera Medicaid uye vanoshandisa Medicaid kuti vabatsire kubhadhara miriyamisi yemwedzi uye kunze kwemari yezvokudya zvakadai sekudzikinurwa kweprogram yavo yeMedare. Kana iwe uchikodzera zvose iwe "Dual Eligible"
Medigap imwe imwe nzira yekuwedzera chirongwa chehutano hweMedare inogona kubatsira kubhadhara mari yekubhadhara uye kubhadharwa kana iwe usingakodzeri Medicaid.
Kunzwisisa Medicare Coverage Options
Medicare inopa kugoverwa mu "nhengo" dzinoverengeka, uye ine zvirongwa zvakasiyana-siyana . Iwe unogona kuva neChirwere cheMedare kana chirongwa chekubatsira .
Iwe unogona kuwana Medicare kubva hurumende, kana kuburikidza ne inshuwarisi yega. Kutora Medicare kuburikidza ne inshuwarisi yega yega, yakadai munyaya yeAdvantage Plan, inogona kukubvumira zvisarudzo zvakakura mukutarisira kwako, somuenzaniso, dzidza zvakawanda nezvehutano hwehutano hwehutano hwakasiyana pano .
- Medicare Chikamu A inosanganisira mabasa echipatara uye inowanzosununguka. Zvisinei, iwe unogona kubhadhara Medicare chikamu A mune dzimwe mamiriro ezvinhu, somuenzaniso, kana iwe usina kushanda kwenguva yakakwana.
- Medicare Chikamu B inotaura nezvehutano hwehutano, kune mari inobatanidzwa neChikamu cheB.
Medicare Zvikamu A uye B hazvirevi kutarisira mazino, izvi zvingave zvakaputirwa nehuwandu hwezvehutano hwehutano hwehutano .
- Medicare Chikamu C, inogona kunge ichivhiringidza zvishoma nekuti inofukidza zvikamu A uye B, uye inogona kusanganisira zvinodhaka zvinodhaka zvinodhaka. Medicare chikamu C ndiyo inozivikanwa seChirongwa cheAdvantage. Iwe unogona kukwanisa kuwana chirongwa cheAdvantage Plan chinogona kupawo zviratidzo uye kuchengetwa kwemeno. Iva nechokwadi uye chengetedza zvese zvaunogona pakutsvakurudza urongwa huri nani.
- Medicare Chikamu D chinoshandisa mishonga inorayira
Kana iwe uchida kuwana mazita eMedare inogona kuvhara, unogona kutarisa urongwa hweMedare test, service or item coverages for details info.
Nzira Yekufanirwa Nemishonga: Kubvumirwa Kwezvikamu A, B, uye C
Medicare Chikamu A Kukodzera: Unofanira kuva nemakore 65 kana kupfuura. Iwe unogona kukodzera Medicare kana iwe uri pasi pemakore makumi matanhatu nemashanu uye uine humwe hurema kana mamiriro ezvinhu, kuguma-danho-real renal kana chirwere chaLo Gehrig. Kana iwe wakagadzikana uye uchiwana rubatsiro rwemagariro evanhu kwemwedzi inopfuura 24, unogona kunge wakanyoresa Medicare Part A zvisiri nyore.
Medicare Chikamu B Kugadziriswa: Kana iwe uchikodzera chikamu A, iwe kazhinji unosangana nemirairo yakafanana yeChite for Part B.
ZANO: Medicare Chikamu B inofanirwa kuitira kuti uve nechokwadi uye uinyore iyo panguva kana iwe unogona kubhadhara chirango chokuimba shure mushure mekunyora.
Medicare Chikamu C (Medicare Advantage Plans) Kubvumirwa: Kuti uve akakodzera Chikamu C, unofanirwa kusangana nemirairo yeA uye B, zvisinei, iwe unogona kunge usina: kuguma-danho real renal kana kuti unoda kutarisirwa kwekuchengetwa. Iwe unogona kuchinja kubva Purogiramu A uye B kusvika kune C C panguva yekunyora . Kana uchida kuchinja kubva panguva yekunyora, iwe unogona kuvharirwa.
Zvimwe Zvinyorwa:
Verenga zvakawanda pamusoro peMedare muIndangariro Yokutumira Medicare Zvikamu A, B, C, uye D kana tsanangudzo pamusoro peFederal Poverty Level - Zvinyorwa nematare pano .
Medicare Zvirongwa Zvokuchengetedza uye Medicare Extra Help Program
Kune marudzi akawanda emishonga yeAradio Savings iyo inogona kubatsira kana iwe usingakodzeri Medicaid. Zvakakodzera kutarisa mune izvi kuti uone kana iwe uchikodzera. Iwe unogonawo kuva nehanya nekutsvaga mu Medicare Part D Low Income Kubhadhara Inotsigiro yeMishonga Inodhaka: Medicare Extra Help program.
Medicaid Facts uye Information
Kaiser Family Foundation yaMedicaid Pocket Primer inopa ruzivo rwakakura uye yakanyatsonongedza kukosha kwehurongwa hweMedicaid muUnited States uye nedzimwe nharaunda pamusoro pevanhu vakasiyana-siyana vanobatsirwa nekugoverwa.