Imirhumo ye-Medicare yeThythrapi yezoPhilisa kunye neCandelo loPhando lwezeMpilo

Unyango kwiziko okanye kwiKhaya Lakho

Ukuba unjengamaMerika amaninzi, kuza kufika ixesha apho unokufumana inzuzo yonyango, yomsebenzi okanye yokuthetha. Ngombulelo, i-Medicare inikeza ezi nkonzo kubo bonke ababhalisile. Ngo-2012, i-Medicaid yafaka ingeniso kwiingxelo ezingama-39.

Ulwaphulo lwezonyango kunye nonyango lwezakhono zihlala zitshintshana ekukhululeni. Inyaniso ayenjalo.

Iyeza lonyango lijolise ekuphatheni okanye ubuncinci ukuphucula ukuphazamiseka njengoko unyango lootitshala lusefundisa indlela yokusebenza kunye naloo monakalo. Ngokomzekelo, unyango lomzimba luqinisa ukulimala kwegxalaba kodwa ukulimala kokusebenza kukunceda ukuba usebenzise igalelo kwimisebenzi yemihla ngemihla. Ulwaphulo lwentetho luwela phantsi kweenkonzo zonyango kwaye lunokunceda ngokukhethekileyo emva kwesifo .

Ingaba unyango luyimfuneko?

Awukwazi ukufumana unyango nje ngokuba ufuna. Kufuneka kubekho isizathu esicacisiweyo nesiqinisekisiweyo sezonyango se-Medicare okanye iMedicaid ukuyihlawula. Oku kuthetha umniki-nkonzo wakho wezempilo kufuneka abeke ikhowudi efanelekileyo yokuxilongwa ecacisa umyalelo wokunyanga.

Ukuba i-Medicare okanye i-Medicaid iphika isicelo sokonyango, mhlawumbi ukuba ikhowudi yokuxilongwa engalunganga ikhethiwe. Umele uqhagamshelane nomboneleli wakho wezempilo ukuze ubone ukuba enye ikhowudi ingasetyenziselwa ukwengeza inkxaso kwimeko yakho.

Unokufumana unyango ekhaya?

Uninzi lwabantu luya kuqhubela iofisi okanye isibonelelo ukugqiba iiseshoni zabo zonyango kodwa abanye abantu abanakho ukufumana indlela yokuphuma endlwini.

Kule meko, unyango lwekhaya lugqitywa yi- Medicare okanye iMedicaid .

Imfuno yokuqala kukuba ufumaneke ekhaya ukufumana iinkonzo zezempilo zasekhaya . Ngokutsho kwe-Medicare, oku kuthetha ukuba awukwazi ukushiya ikhaya lakho ngaphandle koluncedo, ukushiya ikhaya lakho lihlawule kakhulu okanye imeko yakho yonyango inzima kakhulu ukucebisa ukuba ushiye ikhaya.

Imfuno yesibini kukuba ukuba unyango lwenziwa ngumqeqeshi oqeqeshiweyo oya kuthi "ngokukhuselekileyo nangempumelelo" useke inkqubo eya kuphucula okanye ubuncinane igcine imeko yakho. Ngokuqhelekileyo, iinkonzo azenzelwe ukuba zihlale ngonaphakade kodwa kufuneka zithathe ixesha elifanelekileyo lokuba lifezekise injongo.

Unokufumana Uncedo Kangakanani Unyango?

Akukho nombolo ethile yokutyelela ovumelekileyo. Kunoko, iiseshoni zonyango ziyancitshiswa ngeendleko ezipheleleyo. Ngokuxhomekeke kwiiphi iiprogram ozenzayo kwaye ukuba zamkela isabelo , unokuhlawulwa ngaphezulu okanye ngaphantsi. Njengoko kunye nezinye iinkonzo ezikhuselekileyo zeMedare, uya kuhlawula i- 20% ye-coinsurance yeseshoni nganye.

Ngo-2016, i-Medicare ivumela i-$ 1,960 yezixhobo zonyango kunye nolwaphulo lwentetho oludibeneyo kunye ne-$ 1,960 eyahlukeneyo yokwelapha emsebenzini, ukunyuka kwe-$ 40 kwindleko ezivela kwi-2015. I-cap yonyango ayizange isetyenziswe kwizibhedlele zaseMaldinke kude kube ngo-2016.

Ukuqonda iCape Treat Cap

Ukufikelela kwi-cap cap akuthethi ukuba unyango lwakho lufanele luyeke. Wena kunye nomthandi wakho unokubhenela ukunakekelwa okongeziweyo. Ingcali yakho kufuneka ibhale phantsi kwitshathi kwaye uchaze ukuba kutheni iiseshoni ezongezelelweyo ziyimfuneko. Akukho siqinisekiso seMediareya siya kuvuma kunye nesinconywa sabo.

Unokuvunyelwa ukuba unyango olongezelelweyo. Nangona kunjalo, emva kokuba uchithe i-$ 3,700 yezixhobo zonyango kunye neyonyango yokuthetha kunye okanye i-$ 3,700 malunga neyeza lokunyanga, i-Medicare iya kuhlola ityala lakho. Oku kunokukhokelela ekukhanyeleni ukhathalelo olongezelelweyo.

_Imithombo:

_{Amaziko e-Medicare neeNkonzo zeMedicaid. Iinkonzo Zonyango. https://www.cms.gov/Medicare/Billing/TherapyServices/index.html? uhanjiswe = / Ulwaphulo lweeNkonzo /. Ukuhlaziywa ngoFebruwari 16, 2016.}

_{I-Henry J. Kaiser Family Foundation. IiNzuzo zeMilicaid: IiNkonzo zoLwazi lweZonyango. http://kff.org/medicaid/state-indicator/physical-therapy-services/.}

_{Medicaid.gov. Izinzuzo. https://www.medicaid.gov/medicaid-chip-program-information/by-topics/benefits/medicaid-benefits.html.}

_{Medicare.gov. Iimpawu zeMedareriya kwiiNkonzo zoNyango. https://www.medicare.gov/Pubs/pdf/10988.pdf. UJanuwari uhlaziywe ngo-2016.}