Fahmida Original Medicare
Baro sida Medicare Part A iyo Part B ay u shaqeeyaan iyo waxa mid kasta uu daboolayo.
Original Medicare
Medicare waa barnaamij caymis caafimaad oo ay dowladdu bixiso, looguna talagalay dadka Mareykanka ah ee da'doodu tahay 65 sano ama ka weyn, iyo dadka da'doodu ka yar tahay 65 sano ee qaba naafooyin gaar ah oo qaata faa'iidooyinka Social Security.
Medicare markii ugu horraysay loo sameeyay laba qaybood, Part A iyo Part B. Wadajir ah, waxaa loogu yeeraa Original Medicare.
iska diiwaangelinta Original Medicare
Baro wax ku saabsan shuuradaha u qalmista Medicare iyo sida la iska diiwaangeliyo Original Medicare.
Caymis
Medicare Part A: Caymiska isbitaalka
Sida ay u shaqayso Medicare Part A
Medicare Part A waxay ka caawineysa inaad bixiso lacagta daryeelka aad heshay sida adigoo ah bukaan jiifka isbitaalka ama xarunta kalkaalisada aqoonta leh (SNF).
Maxay Part A ka caawisaa daboolida
- Bukaan jiifka Joogitaanka isbitaalka
- Daryeelka ku jira xarunta kalkaalida aqoonta leh
- Booqashooyinka aan xididnayn ee daryeelka caafimaadka guriga waxaa amraya dhakhtarka
- Daryeelka hospice, waxaa ku jiraa daawooyinka xanuun baabi'yaha
Maxaa ku bixineysa Part A
Ma bixin doontid khidmada caymiska ee Part A haddii adiga ama lamanahaaga uu bixinayay lacagta Social Securty ugu yaraan 10 sanadood.
Waa inaad bixisa lacag bixinta caymiska ee lagaa rabo isbitaal walba ama mudada faa'iidada SNE. Mudada faa'iidada waxay bilaabanaysa marka lagu seexiyo isbitaalka ama SNF waxayna dhammmaanaysa marka aad ka baxdo xarunta ilaa 60 oo isku xigta.
Kadib marka aad bixiso dhammaan lacag bixinta caymiska ee lagaa rabo, Original Medicare waxay bilaabi doontaa bixinta lacagta oo dhan ama qaar ka mid ah kharashaadka.
Medicare Part B: Caymiska caafimaadka
Sida ay u shaqayso Medicare Part B
Medicare Part B waxay ka caawinaysa inay bixiso caafimaad ahaan adeegyada lagama marmaanka ah iyo saadka loo baahan yahay ee loogu talo galay baaritaanka ama daawaynta xaaladda caafimaadkaaga.
Waxaad dooran kartaa inaad iska diiwaangelinin Part B, laakiin haddii aad go'aansatay inaad dib iska diiwaangeliso, waxaa laga yabaa inaad bixiso lacagta ganaaxa dib u dhaca isdiiwaangelinta inta aad heysto caymiska Part B.
Maxay Part B ka caawisaa daboolida
- Baaritaanada kansarka, sida naasaha
- Xafiiska adeegyada dhakhtarka, rugta caafimaadka, ama isbitaalka
- Baaritaanada cudurka, Raajooyinka, baaritaanada shaybarka
- Saadka caafimaadka iyo qalabka
- Daryeelka bukaan socodka iyo adeegyada dayactirka
- Gaadiidka ambalasta dhulka
- Adeegyada waaxda degdeg ah
Maxaa ku bixineysa Part B
Waa inaad bixisa khimada lacata bilaha ee caymiska Part B Haddii aad u qalanto caymiska caafimaadka, sida kan badrooniga, khidmada caymiska waxay ka duwan tahay khidmada caymiska bilaha, wadaaga lacag bixinta ama wadaaga lacag bixinta caymiska waa inaad bixisa qorshaha gaarka ah ee Medicare.
Khidmada caymiska bilaha ah waxay ku bilaabanaysa qiimo degsan iyo kordhinta seexinta miisaanka oo ku saleysan dakhliga Hal qof o oleh dakhliga sanadlaha ee qiidma gaarka ah iyo lamaanaha isqaba ee dakhliga sanadlaha in ka badan khimada gaarka ah ayaa bixin doona wax badan.
khidmada caymiska waxaa inta badan laga qaada jeegaaga Social Security. Kadib marka aad la kulanto lacag bixinta caymiska ee lagaa rabo sanadlaha, Part B gabi ahaan 80 kharashka adeegyada ugu badan ee aad heshay waxaad masuul ka tahay bixinta haraadiga 20%wadaaga lacag bixinta caymiska
Kharashyada
kharashaadka caafimaadka Medicare asalka ah
Kharashyada caafimaadka ee aad u baahan karto in aad jeebka ka bixiso haddii aad kaliya haysato Medicare Qaybaha A iyo B.
- Baaritaanka sanadlaha ah ee jirka
- Daryeelka joogtada ah ee arraga
- Qalabka maqalka
- Inta badan warqada dawada ee dhakhtar qoray
- Daryeelka joogtada ah ee ilkaha
- Daryeelka wakhtiga dheer
Kharashaadka caafimaad ee aan lagu daboolin Medicare Parts A iyo B
- Xaaladda degdeg ah ee aduunka oo dhan
- Daryeelka degdegga ah
- Gaadiidka
- Barnaamijka jimicsiga
Ilo-waxtareedka Medicare
Fahamka Medicare
Isticmaal hagahan bilaashka ah ee tallaabo-tallaabada ah si aad u barato waxyaabaha aasaasiga ah ee Medicare. Waxa uu sharrxayaa afarta qaybood ee Medicare, goorta la isdiiwaangelinayo, sida looga fogaado ganaaxyada, iyo waxyaabo kale oo badan.
Ma aha in ay adkaato.
La taliyaasheena Blue Cross waa kuwaan:
- Waxay ka caawineysa inaad barato wax ku saabsan aasaasida Medicare iyo qorshayaasheena
- Ka caawinaysa helida qorshaha buuxiya baahiyahaaga
- Ka caawinaya inaad iska diiwaangeliso qorshaha
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