Indlela Iinkqubo Zisebenza Ngamanye
Nangona zinokuzwakala ezifanayo, i- Medicare neMedicaid ziinkqubo ezimbini ezihlukileyo. Enye inenjongo yokubonelela ngononophelo kunye / okanye abakhubazekileyo ngempilo xa omnye enikezela ngononophelo impilo.
Izigidi zabantu baseMelika zifanelekile kuzo zombini iiprogram, eziyi-8.3 izigidi ngokwemiGangatho ye-Medicare kunye neeNkonzo zeMedicaid. Aba baxhamli baxelwa ukuba bavumelekile.
Ukuqonda indlela iinkqubo zisebenza ngayo ziya kukunceda wenze uninzi lwamava akho enyango.
Iingqinisiso ezimbini zokufaneleka
Ukufaneleka kwamagciwane kuyafana nokuba uhlala phi. Yabekwa nguRhulumente waseburhulumenteni. Ukuba ufanelekile kwi-Medicare, kufuneka ube neminyaka engama-65 okanye ngaphezulu okanye unokukhubazeka okufanelekileyo . Ukongezelela, kufuneka udibanise ubukumkani base-US okanye iimfuno zokuhlala ngokusemthethweni zomhlali .
Ngakolunye uhlangothi, ukulungelelaniswa kwemilingo, kuyahlukahluka ngokweendawo. Nangona urhulumente wesigqeba ubeka iimfuno zeeprogram ezincinci, inkqubo ngokwayo iqhutywa yilizwe ngalinye. Urhulumente ngamnye unokukhetha ukulungelelanisa imilinganiselo yokufaneleka.
I-Medicaid ihlose ukubonelela ngononophelo lwempilo kubantu abanomvuzo ophantsi kwiindidi ezahlukeneyo: abantwana, abafazi abakhulelwe, abazali, abadala kunye nabantu abakhubazekileyo. Ngenkqutyana yoMthetho woNonophelo olungabonakaliyo, abantu abadala abangenabantwana banokuthi bajongwe ukuba uhulumeni wabo wamkela iMigcaid Extension.
Kungenzeka ukuba unelungelo lokufumana iingeniso ezipheleleyo zeMedicaid okanye ukuba unelungelo lokufumana izibonelelo ezivela kwenye yeeNkqubo zoLondolozo lweMedare ezibonelelwa ngeofisi yakho yaseMedicaid. Ukuba ufanelekile kwi-Medicare kwaye uhlangabezane neenqobo zokufumana iMedicaid okanye enye yeenkqubo ezine ezilandelayo, unakho uvumelekile.
I-Programme ye-Medicine Beneficiary (QMB)
I-Programme ye-Medicine Beneficiary (Income Beneficiary)
I-Individual (QI) Inkqubo
Abafanelekileyo abakhubazekileyo basebenzisane noBuchule be-Individual (QDWI)
Iidakamizwa zeeDisgriji Iindleko
I-Medicaid idinga ukuba ubhalisele i-medication aid nge-Medicare, nokuba ingaba isicwangciso seCandelo D okanye isicwangciso se-Medicare Benevantage kunye nezibonelelo zonyango zonyango, eyaziwa njengecebo le-MA-PD. Ukuba udla kwiNkqubo yoNcedo oluNgezelelweyo, inkxaso-mali engaphantsi-mali yokufumana izibonelelo zonyango, kodwa kufuneka ubhalise kwi-Original Medicare kunye neCandelo D, kungeyiyo isicwangciso se-Medicare Benevantage. Kusenokwenzeka ukuba amanye amayeza angagqitywanga kwisicwangciso sakho seMedareya iya kugqitywa nguMedicaid.
Iindleko zaseKhaya zoLondolozo
Nangona i-Medicare ihlawula ukuhlala kwiziko loongikazi olunempilo emva kokubhedlelelwa esibhedlele , ayiba negalelo ekunakekeleni ngononophelo lwexesha elide. Emva kokufaneleka kwesibhedlele ngo-2018, inzuzo yakho yeCandelo A iya kuhlawula zonke iindleko zekhaya lononophelo ukuya kwiintsuku ezingama-20. Ngeentsuku ezingama-21 ukuya kwi-100, uya kuhlawula i-ikopi ye-$ 167.50 ngosuku, kwaye kwikhaya lononophala lihlala ixesha elide kunelo, uya kuhlawula imali epheleleyo.
Ngezigidi zabantu abadala abachaphazelekayo ngentsholongwane kunye nabakwazi ukuzinyamekela ngokwasemzimbeni, ukunakekelwa kwekhaya lokunonyamekela kuyinzuzo ebalulekileyo kubantu abaninzi.
Iinkonzo zezeMpilo ezingabhalwa ngu-Medicare
I-Medicare ayikho inkqubo equka yonke into. Amazinyo, ukuva, kunye nokubonwa kombono akunikezelwa okanye amazinyo, izixhobo zokuvalelwa, okanye iilensi zokulungisa (ii-lens zoqhagamshelwano okanye iziglasi zelanga) phakathi kwezinye iinkonzo zonyango. Ukuba inkqubo yakho ye-Medicaid ihlinzeka ngezi nkonzo, unokufumana inzuzo engaphezulu.
Ukuhlawula Impilo Yakho
Ngokuqhelekileyo, i-Medicare ihlawula kuqala kwaye iMedicaid ihlawula isibini. Kwabo abafanelekela inkqubo ye-QMB, i-Medicaid iya kuhlawula iindleko zeMedareriya, kubandakanywa iiprayimari zeCandelo A, ii-premium ze-B, ii-deductibles, i-coinsurance kunye ne-copayments .
Le yimeko nokuba i-Medicare inkonzo ayiqhelekanga i-Medicaid okanye xa ubona umboneleli wezempilo ongayamkeli iMedicaid ukuhlawula.
Ukuba awufanelekile kwi-QMB, iMedicaid inokuhlawula ngaphantsi. Amazwe akumele ahlawule ukuba inkonzo ye-Medicare ayikho inkonzo ye-Medicaid okanye ukuba umzuzi wambona umboneleli weMedareri ongekho umboneleli weMediicaid.
ILizwi
Ungacingi ukuba ngenxa ye-Medicare ukuba awufaneleki kwi-Medicaid. Enyanisweni, kwizigidi zabantu abadala, into echasene nayo iyinyani. Ukuba unzima ukufumana iziphumo kwiminyaka yakho yomhlalaphantsi, jonga ukujonga ukuba ufanelekile yini kwi-Medicaid. Oku kunokuba yindlela efanelekileyo kakhulu yokunciphisa iindleko zonyango lwezempilo.
> Umthombo:
> Izilungelo ezimbini. Medicaid.gov. https://www.medicaid.gov/affordable-care-act/dual-eligibles/index.html.
> Abaxhamli ababini abafanelekayo phantsi koMsebenzi weMedare kunye neMicroidal Programme. Amaziko e-Medicare neeNkonzo zeMedicaid IiNkonzo. https://www.cms.gov/Outreach-and-Education/Medicare-Learning-Network-MLN/MLNProducts/downloads/Medicare_Benealeraries_Dual_Eligibles_At_a_Glance.pdf. Epapashwe ngoFebruwari 2016.
> IiNkqubo zoLondolozo lweMpilo. Medicare.gov. https://www.medicare.gov/your-medicare-costs/help-paying-costs/medicare-savings-program/medicare-savings-programs.html.