I-Medicare kunye neMedicaid: Yintoni eyahlukileyo?

Indlela Abasebenzisana Ngayo

I-Medicare neMedicaid isandi kakhulu. Baye bajonge ngokufanayo, banciphise iileta ezimbini zokugqibela ngamagama abo. Akumangalisi ukuba iiprogram zihlala zididekile kuluntu. Ukwenza uninzi lwale nkqubo, kufuneka uqonde oko kwenza i-Medicare neMedicaid ifane.

Iindlela ezi-3 zeMedare neeMedicaid zifana

1. Zomibini iinkqubo zomshuwalense wezempilo. Impilo kuyimfuneko eyisisiseko, kodwa akusiyo wonke umntu onokukwazi ukufumana i-inshurensi yempilo yabucala ukuze athathwe ngoncedo. NgoJulayi 30, 1965, uLyndon B. Johnson wasayina i-Medicare ne-Medicaid ukuba ibe ngumthetho wokunikezela ukunika ingxelo kubantu abanesidingo esikhulu.

1. Bobabini baqhutywa ngu rhu lumente. Amaziko e-Medicare kunye neeNkonzo zeMedicaid (i-CMS) yinkampani ngaphakathi kwiSebe lezeMpilo lase-United States kunye neenkonzo zoLuntu ezijongene nale nkqubo. I-CMS isetha izikhokelo zokufaneleka kwaye zeziphi iinkonzo zonyango kufuneka zifakwe.
2. Bobabini banikezela ukukhutshwa kwezonyango kubantu abakhubazekileyo. I-Medicare ijoliswe kulabo abangaphezu kweminyaka engama-65 ubudala kunye neMedicaid ukuya kumaMerika aneemali eziphantsi. Nangona kunjalo, zombini iinkqubo zandisa ukufaneleka kwabantu abakhubazekileyo. I-Medicare ineemfuno zokufaneleka zokukhubazeka ezisetyenziswe kuwo wonke amazwe, kodwa i-state nganye inokuba neempendulo ezahlukeneyo xa kuziwa kulungelo lweMedicaid.

Iindlela ezine zeMedare neeMedicaid zihlukile

1. I-Medicaid yinkqubo ye-state-run, kodwa i-Medicare ayikho. Urhulumente wezepolisi ubeka izikhokelo zeMedicaid, kodwa elowo urhulumente uqhuba inkqubo yakhe. Ngenxa yesi sizathu, ukufikelela kwiMedicaid kuyahluka ukusuka kummandla ukuya kwilizwe . Ngakolunye uhlangothi, i-Medicare ilawulwa yirhulumente karhulumente. Oku kukhokelela ekuncedeni ukufikelela kwi-Medicare ngokungafani nokuba uhlala phi ilizwe.

1. I-Medicaid ivulelekile kuwo onke amabini, kodwa i-Medicare ayikho. I-Medicaid iquka abantu abanomvuzo ophantsi kwabo bonke ubudala-iintsana, abantwana, abadala, abadala-kungakhathaliseki ukuba yiyiphi na imeko yokukhubazeka. Kodwa i-Medicare, iyanqanda ukufaneleka kwiminyaka engama-65 nangaphezulu ngaphandle kokuba kukho ukukhubazeka okuhlangabezana neendlela ezifanelekileyo zokufaneleka.

1. I-Medicare inezinxalenye ezahlukeneyo, kodwa i-Medicaid ayikho. I-Medicare idilizwe kwiindawo ezine: A, B, C, kunye noD . Icandelo ngalinye libandakanya umbandela ohlukeneyo wokunakekelwa kwezonyango (ukugula, ukugula, kunye neendleko zonyango) kwaye unemithetho kunye neendleko zazo . Kumele ubhalisele isahlulo ngasinye. I-Medicaid iyilula kwaye ayiphuli phantsi kwiindawo ezahlukeneyo. Ufaka isicelo senkqubo enye ukufumana zonke iinzuzo.
2. I-Medicaid inceda ukuhlawula i-Medicare, kodwa kungekudala. Ukuba ungomnye wezigidi ezingama-8.3 ​​zamaMerika ezifanelekileyo kwi-Medicare kunye neMedicaid, ukufaneleka kwakho okubini kunokukubeka inzuzo. I-Medicaid inokukunceda ukuba uhlawule ama-premium, ama-deductibles, kunye neendleko zemali ye-Coordare. I-Medicare ayiyi kwenza okufanayo kwiindleko zeMedicaid. I-Medicare ihlawula kuphela i-Medicare.

Ngokubambisana, i-Medicare kunye neMedicaid kunceda izigidi zabantu baseMelika ukuba bafikelele kwiinkonzo zempilo ezifikelelekayo. Iiprogram zineenkqubo ezahlukeneyo zokufaneleka kodwa zibonelela ngenkonzo efunekayo kulabo abanesidingo. Khangela ezinye ukuze ubone indlela ezi nkqubo zinokukunceda ngayo.

> Umthombo:

> Abadala kunye ne-Medicare ne-Medicaid Enrollees. Website Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/medicaid-enrollees/index.html.