Haddii adig ama dadka aad jeceshahay aad haysataan Medicaree, waxaa laga yaabaa inaad la yaabban tahay in Medicare Part A ay bixinayso lacagta daryeelka caafimaadka guriga. Hadday saas tahay, waa kuwee adeegyada daboolan? Hadday saas ahayn,qorshaha Medicare ee Blue Cross gacan ma ka geysanayaa qarashyada daryeelka caafimaadka ee jeebka-ka-baxaaya?
Hel wakaaladaha daryeelka caafimaadka guriga iyo adeegyada caafimaadka kale adigoo adeegsanaaya aaladdayada Takhtar Hel.
HEL DARYEEL CAAFIMAADKA GURIGA
Medicare miyey daboolaysaa daryeelka caafimaadka guriga?
Medicare Part A waxay daboolaysaa booqa-shooyinka daryeelka caafimaadka guriga oo aan xad lahayn, marba haddii adeegyada uu amray takhtar oo ay wakaalad ka shahaadaysan Medicare hawsha fulisay. Si aad ugu qalanto, qofka adeega helaya waa in uu yahay qof guriga jooga oo uu u baahan daryeel kalkaaliye xirfad leh oo wakhti soo gala ama mid wakhti dhiman. Midaan waxaa lagu qeexay wax ka yar toddobo maalmood usbuucii ama wax ka yar siddeed saacadood maalin in ka badan 21-muddo maalina.
Waa maxay adeegyada daryeelka caafimaadka guriga ee Medicare daboosho?
- Adeegyada kalkaalinta waa in laga keena guriga kalkaalisada diiwaangashan (RN) ama kalkaaliye u shatiyeysan fulinta (LPN) ay RN kor joogto. Tusaalooyinka daryeelka kalkaalisada xirfadleyda waxaa ku jira siinta daawooyinka IV-ga, durida beddelaad ama maaraynta daawooyinka.
- Baxnaanin jireedka guriga dhexdiisa, baxnaanin hawleed iyo baxnaaninta xagga hadalka/cudurrada xagga afka waa la daboolay haddii daaweyn loo rabo oo uu fulinaayo baxnaani-yaal aqoolleya.
- Adeegyada caafimaadka ee bulshada iyo cabooshooyinka xagga laxawga waa la daboolay marka uu takhtar jihaynaayo.
- Sahayda caafimaadka waa la daboolay haddii takhtar dalbo. Qalabka caafimaadka ee adkaysiga leh qeyb ahaan waa la daboolay haddii uu takhtar dalbay (ogow: middaan waxaa bixiya Medicare Part B iyo Part A).
Si kastoo ay adeegyadu yihiin, wakaaladda daryeelka caafimaadku guriga waa inay samaysaa qiimayn dhammaystiran oo ah bilawga baahiyaha bukaanka, takhtarkana u la xiriirtaa baahiyahaas oo ay si muddaysan baahiyaha dibu-qiimayn ugu samaysaa si ay u hubiso daboolitaanka Medicare.
Waa maxay adeegyada daryeelka caafimaadka guriga ee aysan Medicare daboolin?
Adeegyada uu fulin karo qof aan xagga caafimaadka u tababaran (ama adiga laftaada) kor-joogtaynta kalkaaliso la'aanteed la ma daboolin. Midaan waxaa ku jirta cuntooyinka, adeegyada hagaajinta guriga iyo adeegyada kalee daryeel qofeedka ee ay fuliyeen gargaara-yaasha caafimaadka guriga.
Ka warran haddii daryeel gaara ama xirfadle loo baahdo?
Medicare Part A waxay si buuxda u dabooshaa daryeelka meesha xannaanaynta xirfadleyda ilaa 20 maalmood (kadib isbitaal-seexin uga yaraana seddex maalmood). Middaas kadib, waxaad adigu bixinaysaa qeyb qarashyada maalin laha ilaa 100 maalmod, iyo sidoo kale qarashyo kasta oo aysan bixin Medicare. Haddii daryeelka bukaan-guri loo baahan yahay, Medicare Part A waxay bixinaysaa daboolitaanka daawooyinka si loo xakameeyo astaamaha loona yareeyo kaarka, iyo sidoo daryeelka caafimaadka guriga.
Qorshe-yaasha Blue Cross Medicare daboolayaan daryeelka caafimaadka guriga/
Qorshe-yaasha Blue Cross Medicare waxay gacan ka geysan karaan buuxinta duleellada qarashyada u qalma kuwaas oo aysan Medicare Part A iyo Part B dabooin. Si kastaba ha ahaatee, adeegyada aan loogu qalmayn Medicare Part A iyo Part B qorshe-yaasha Blue Cross ma daboolayaan. Waxaad u baahan doontaa inaad uga sii hesho oggolaansho takhtarkaaga adeegyada qaarkood. Oggolaansho sii horreeya, ama sii-ansixinta adeegyada caafimaadka, waxay gacan ka geysanayaan xaqiijinta inaad hesho daryeel habboon. Wax ka sii ogow oggolaashoo-yinkaiiyo marka loo baahan yahay .
Sidee baan uga dhex helayaa ilaha waxtarka daryeelka caafimaadka guriga leh bulshadayda?
Ka hubi takhtarkaaga ama ka-shaqeeya arrimaha bulshada ee isbitaal-kaaga, ama onlaynka ka raadi. Iska hubi inaad u tagto wakaaladda daryeelka caafimaadka guriga oo ka shahaadaysna Medicare.
Wax badan oo kale oo kusaabsan qorshe-yaasha Medicare
Muxuu Medicare caymiyaa?
Doorashada qorshaha kaabaha Medicare
Sida loogu biiraa Medicare
Wax ka baro shabakadaha Blue Cross Medicare