11 Zinthu Zosayembekezereka (komanso Zokwera mtengo) Medicare Simaphimba

Medicare imapereka chithandizo chamankhwala kwa anthu pafupifupi 64 miliyoni ndipo ikuyimira 4.36% ya GDP ya US, yomwe ili ndi $ 917 biliyoni mu 2020. Ndi ndalama zambiri zomwe zimagwiritsidwa ntchito, anthu ambiri amaganiza kuti pulogalamuyi imaphatikizapo ndalama zonse zothandizira zaumoyo Kusamalira okalamba ndi anthu olumala.

Tsoka ilo, sizili choncho. Original Medicare (Magawo A ndi B) amangogwira ntchito ndi njira zapadera, kusiya ndalama zomwe zimagwiritsidwa ntchito pachipatala monga mano, masomphenya, ndi chithandizo chamankhwala kunja kwa United States.

Tengani mafunso aulerewa kuti muwone ngati mungathe kupuma msanga.

Mukayamba kulandira Medicare muzaka 65, mungaganize kuti simuyenera kudandaula za ndalama zothandizira zaumoyo pamene mukukalamba. Kuzindikira kuti zinthu zina sizikuphimbidwa kungakhale kudzutsa mwano. Kudziwa zomwe zili ndi zomwe sizikuphimbidwa n’kofunika chifukwa zimakuthandizani kuti mugwiritse ntchito ndalama zothandizira zaumoyo mutalowa nawo ku Medicare.

Tiyeni tiwone zina mwa zinthu zomwe Medicare sizimaphimba kuti zikuthandizeni kukonzekera kupuma pantchito.

1. Kuchotsera ndi Co-Malipiro

Monga inshuwalansi iliyonse, Medicare Parts A ndi B ali ndi ndalama zomwe zimatengedwa ndi otenga nawo mbali. Gawo A limakhudza nthawi yogona m’chipatala, ndipo mu 2022, mudzakhala ndi udindo wochotsa $1,556 pachipatala chilichonse chisanayambe chithandizo cha Medicare. Ngati mutakhala m’chipatala kwa masiku opitilira 60, mutha kukhalanso ndi gawo la ndalamazo: $ 389 kwa masiku 61-90 okhala m’chipatala. Maphunzirowa amasiku 90 ayambiranso atatulutsidwa kuchipatala, ndipo kubweza kulikonse kudzafunika ndalama zina $1,556.

Medicare imakhalanso ndi masiku “osungira moyo”, omwe amaphatikizapo masiku ena 60 a chisamaliro cha odwala kamodzi pa moyo wanu. Ngati chipatala chanu chikudutsa masiku 90, mudzagwiritsa ntchito masiku osungira moyo wanu kuti muwonjezere chithandizo chanu. Mukamagwiritsa ntchito masiku osungira moyo wanu wonse, mudzalipira ndalama zokwana $778 patsiku patsiku lililonse lomwe mumakhala m’chipatala pakadutsa masiku 90 oyamba.

Gawo B, lomwe limakhudza maulendo a madotolo ndi chithandizo chakunja monga ma laboratories, zida zamankhwala, ndi ma X-ray, limakhala ndi ndalama zokwana $170.10 pamwezi mu 2022 ngati ndalama zonse zomwe mwasintha ndi $91,000 kapena kuchepera. Mutha kulipira ndalamazi molunjika ku Medicare kapena zimachotsedwa pamapindu anu a Social Security mukangofunsira. Gawo B nthawi zambiri limakhudza pafupifupi 80% ya ndalama zanu, zomwe zikutanthauza kuti muyenera kulipira 20% yotsalayo ndi $233 yochotsedwa pachaka.

2. Mankhwala operekedwa

Kupanga bajeti moyenera ndalama zomwe mumalemba pamwezi kutha kutengera zovuta zina pakukonza kwanu pantchito yopuma pantchito. Medicare Yoyamba (Magawo A ndi B) sapereka chithandizo chamankhwala, koma mukhoza kuwonjezera chithandizo chamankhwala pansi pa Gawo D pamtengo wowonjezera mukalembetsa ku Medicare. Mukhozanso kuwonjezera gawo la D mankhwala pambuyo pake, ngakhale mutha kulipira mwezi uliwonse chifukwa chochedwa. Mtengo wa Gawo D umadalira kuchuluka ndi mtundu wa kufalitsa komwe mumasankha.

Mukhoza kugula ndondomeko ya Medicare Advantage, yomwe nthawi zambiri imatchedwa Part C, monga momwe mankhwala amachitira nthawi zambiri amaphatikizidwa ndi Gawo A ndi B. Ndondomeko zina za Advantage zimaperekanso inshuwaransi yowonjezera yowonjezera kuti ithandize kutseka mipata mu Medicare yoyambirira. Malipiro a Gawo C amadalira kuchuluka kwa chithandizo chomwe mwasankha, choncho onetsetsani kuti mwamvetsetsa zomwe zachitika musanalembetse.

3. Udokotala wamano

Medicare simakhudza ntchito zambiri zamano, monga kuyeretsa, kudzaza, ma X-ray, kapena mano. Ngakhale Medicare Part A ikulipira chithandizo cha mano chomwe mumalandira mukakhala m’chipatala, anthu ambiri amakhala paokha kuti akalandire chithandizo chamankhwala nthawi zonse. Mapulani ambiri a Medicare Advantage amapereka chithandizo cha mano chomwe chingaphatikizepo njira zodzitetezera komanso zowunikira, monga kuyesa, ma X-ray, ndi kuyeretsa mwachizolowezi. Ena amaperekanso chithandizo chokwanira, kuphatikizapo zodzitetezera ndi njira zamano monga kudzazidwa, korona, ngalande za mizu, ndi mano kapena implants.

Malangizo omveka: Ngati muli ndi mapulani azaumoyo omwe amachotsa ndalama zambiri, fufuzani ngati muli ndi Akaunti Yosunga Zaumoyo (HSA). Ma HSA amakulolani kuti musunge ndalama zogulira zokhudzana ndi chipatala mukapuma pantchito, kuphatikiza ntchito zamano, ndipo ndalamazo zitha kuchotsedwa popanda msonkho kuti mugwiritse ntchito. Dziwani kuti simungathandizire ku akaunti yosungira thanzi mutafunsira Medicare, ndiye ndibwino kuti muyambe msanga.

4. Kumva

Medicare Yoyamba siyimayesa mayeso akumva kapena zothandizira kumva, koma mapulani a Medicare Advantage angapereke chithandizo chochepa cha zinthu izi kuti zithandizire kuchepetsa mtengo. Monga momwe anthu omwe ali ndi vuto lakumva akudziwa, zothandizira kumva zimatha kukhala zodula, pomwe mayunitsi ena amawononga $6000 ndikukwera m’makutu onse, kuphatikiza mtengo wa zopangira, mayeso, ndi ntchito zina zokhudzana nazo.

Ngakhale kudziwa ndi kuchiza zinthu monga tinnitus (kulira m’makutu) nthawi zambiri sikukuphimbidwa ndi Medicare ndipo sikungaphimbidwe ndi mapulani a Medicare Advantage. Gawo B likhoza kuphimba mayesero akumva kapena kuyesa bwino ngati dokotala akuwafunsa kuti awone ngati mukufunikira chithandizo chamankhwala.

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5. Masomphenya

Mofanana ndi chithandizo cha mano ndi kumva, Medicare yoyambirira sichiphimba ntchito zamasomphenya. Ngakhale pali zosiyana-monga mayeso a maso apachaka ngati muli ndi matenda a shuga kapena magalasi owongolera pambuyo pa mitundu ina ya opaleshoni ya cataract-nthawi zambiri, Medicare sichiphimba magalasi, mayeso, ndi ntchito zina zamasomphenya. Muyenera kuyika 100% ya mtengo wa zinthuzi mu bajeti yanu kapena kugula dongosolo la Medicare Advantage ndi mlingo woyenera wa ntchito zamasomphenya.

6. Chisamaliro cha nthawi yayitali kapena chisamaliro chosungira

Medicare simakhudza chisamaliro chanthawi yayitali kapena chisamaliro cha ana, chomwe chimaphatikizapo ntchito zatsiku ndi tsiku monga kusamba, kuvala, kapena kugwiritsa ntchito chimbudzi. Medicare Part A imakhudza unamwino waluso pakafunika thandizo lachipatala, koma chisamaliro cha ana m’malo osungira okalamba kapena malo ogona othandizira ndi chofala. Ndalama zosamalira zimatha kukwera mwachangu: nyumba zosungira anthu okalamba zimawononga pafupifupi $253 patsiku, $7,698 pamwezi m’chipinda chayekha, $225 patsiku kapena $6,844 pamwezi m’chipinda chapadera.

Malangizo a Pro: Ganizirani za inshuwaransi yanthawi yayitali pamapulani anu opuma pantchito, ndipo gwirani ntchito ndi mlangizi wazachuma kuti akuthandizeni kuonetsetsa kuti mukulipira ndalama zomwe zingakhale zazikulu.

7. Chithandizo chamankhwala kunja

Kungoganiza kuti kufalikira kwa Medicare kumafikira maulendo apadziko lonse lapansi ndi chimodzi mwazolakwitsa zotsika mtengo zolembetsa za Medicare zomwe anthu angachite. Ngakhale chithandizo cha Medicare chikugwira ntchito kumadera onse a US ndi US (komanso mpaka maola asanu ndi limodzi kuchokera ku doko pa sitima yapamadzi ngati muli ku US), nthawi zambiri simumathandizidwa ndi chithandizo chilichonse chamankhwala chomwe mumalandira mukamapita kumayiko ena.

Mapulani ena a Medicare Advantage amapereka mitundu yosiyanasiyana ya maulendo apadziko lonse, koma onetsetsani kuti mukumvetsa zomwe zikuphatikizidwa musanaganize kuti ndalama zanu zachipatala zimaperekedwa mukamayenda. Ngati mukuda nkhawa ndi ndalama zomwe zingatuluke m’thumba muli kunja, ganizirani za inshuwalansi yaulendo yomwe imapereka chithandizo chamankhwala ndi chithandizo chamankhwala othawa mwadzidzidzi panthawi yonse ya ulendo wanu.

8. Kusamalira mapazi nthawi zonse

Ngati muli ndi kuwonongeka kwa mitsempha ya m’miyendo yokhudzana ndi matenda a shuga, Medicare nthawi zambiri imaphimba mayeso anu apapazi apachaka. Koma chisamaliro chanthawi zonse cha phazi—kuphatikiza kuchotsa chimanga ndi zing’onozing’ono, kudula zikhadabo, kuchiza zikhadabo zoloŵera m’miyendo, kapena kusamalira zinthu zina zaukhondo—sikukuphimbidwa. Ngati Medicare ikuphimba zowunikira zanu, mudzalipira Part B yanu yochotsera 20% ya mtengo wovomerezedwa ndi Medicare wamankhwala aliwonse ndi zolipirira zina zilizonse.

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9. Chiropractic kapena acupuncture services

Medicare idzagwira ntchito za chiropractic pazochitika zina, kawirikawiri pofuna kuchiza kugwedeza kwa msana (kupanikizika kwa mitsempha). Apo ayi, ntchito za chiropractic sizikuphimbidwa. N’chimodzimodzinso ndi acupuncture, yomwe imangokhala ngati chithandizo cha ululu wopweteka kwambiri, ndipo ntchito ziyenera kulamulidwa ndi kuyang’aniridwa ndi dokotala. Ngati Medicare ivomereza acupuncture, imangotenga magawo a 12 m’masiku a 90 kapena maulendo a 20 pachaka, ndipo kupweteka kwapang’onopang’ono kwapang’onopang’ono ndiko kokha kovomerezeka.

10. Opaleshoni ya pulasitiki

Medicare sangabise njira zopangira opaleshoni zomwe zili zodzikongoletsera. Ngati opaleshoniyo yachitika chifukwa cha kuvulala mwangozi kapena kusintha ntchito ya mbali yopunduka ya thupi, ikhoza kuvomerezedwa koma imafuna chilolezo choyambirira kuchokera ku Medicare. Ngati mwavulazidwa ndipo mwachitidwa opaleshoni yokonzanso kapena mukusowa mawere a m’mawere pambuyo pa mastectomy, njirazi zikhoza kutsekedwa popanda chilolezo choyambirira, ngakhale mungakhalebe pansi pa Gawo A lochotserapo $ 1,556 ndi kulipira kulikonse komwe kulipo.

11. Zothandizira m’chipinda chachipatala

Ngati mwagonekedwa m’chipatala ndi Medicare Part A, pali malire pazomwe pulogalamuyo idzagwire mukakhala. Medicare nthawi zambiri imakhudza zipinda zachinsinsi, chakudya, unamwino wamba, ndi zinthu zina zokhudzana ndi kukhala kwanu kuchipatala. Sichidzaphimba chipinda chapadera (pokhapokha ngati n’kofunikira kuchipatala), foni kapena TV ngati ili ndi ndalama zosiyana, zinthu zaumwini monga lumo kapena masokosi, kapena unamwino wachinsinsi.

Dongosolo la Medicare Part C litha kuphimba zipatala zowonjezera kapena zothandizira unamwino. Yang’anani tsatanetsatane wa dongosolo lanu kuti mumvetsetse zomwe zaperekedwa komanso ndalama zomwe mungakhale nazo.

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osachepera

Ndi mtengo wapakati wokhala m’chipatala cha masiku atatu pafupifupi $30,000, Medicare ikhoza kukhala chithandizo chachikulu kwa anthu ambiri omwe ali ndi vuto lachipatala. Ngakhale pulogalamuyo ingakuthandizeni pakugonekedwa m’chipatala, chithandizo, komanso chisamaliro chanthawi zonse, pali zinthu zomwe sizimakhudza, ndipo ndikofunikira kuti mukhale okonzeka kudzaza mipatayi ndi ndalama zokwanira zosungidwa pamitengo yosayembekezereka.

Pamene mukuphunzira zambiri za Medicare ndikuzindikira kuti ndi chithandizo chanji chomwe mungafune mukapuma pantchito, onetsetsani kuti mwafufuza mapulani onse a Medicare Advantage omwe alipo kuti muwonetsetse kuti mukupeza chithandizo chilichonse chamtsogolo.

Zambiri kuchokera FinanceBuzz:

Nkhaniyi idawonekera koyamba pa FinanceBuzz 11 Zosayembekezeka (komanso Zokwera mtengo) Zinthu Zomwe Medicare Siziphimba.

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