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Medicare vs.Medicaid: Kodi pali kusiyana kotani?

Medicare vs.Medicaid: Kodi pali kusiyana kotani?Kampani

Kuyenda kudzera pazosankha zaumoyo kumatha kukhala kovuta komanso kosokoneza. Sikuti pali njira zambiri za inshuwaransi yathanzi zokha, komanso pali mapulogalamu omwe amayendetsedwa ndi boma Mankhwala ndipo Mankhwala .





Mapulogalamu onsewa ndi ovuta kwambiri ndipo zimakhala zovuta kuyendetsa nokha. Ngati mukufuna kulembetsa nawo, ndikofunikira kupeza gwero lodalirika lomwe lingakutsogolereni panthawiyi. Kwa Medicare, funsani State Health Insurance Assistance Program, kapena SHIP, m'boma lanu Pano kapena itanani Medicare Rights Center ku 1-800-333-4114. Mutha kuchezanso cms.gov kuti muthandizidwe ndi kulembetsa kwa Medicare kapena Medicaid ndikuyenera.



Ngakhale osakwanira, apa tiwona zomwe zimasiyanitsa Medicare vs. Medicaid.

Kodi pali kusiyana kotani pakati pa Medicare ndi Medicaid?

Pomwe Medicare ndi Medicaid onse alikuyendetsedwa ndi bomamapulogalamu a inshuwaransi yazaumoyo kuti athandizire pazithandizo zandalama, amatumikira osiyanasiyana komanso anthu osiyanasiyana.

Mankhwala

Mankhwala imakhudza okalamba azaka 65 kapena kupitilira komanso anthu ochepera zaka 65 olumala. Kuchuluka kwa misonkho yomwe mudalipira ku boma mukamagwira ntchito ndi komwe kudzakulipireni gawo la A (onani pansipa). Komabe, mutha kuyenererabe ku Medicare ngati simunalipira misonkho ya Medicare. Pali magawo anayi osiyanasiyana a Medicare.



  • Gawo A chimakwirira chisamaliro cha odwala kuchipatala, chisamaliro cha anamwino waluso, chisamaliro chapanyumba, ndi chisamaliro cha odwala.
  • Gawo B imakhudza maulendo opita kuchipatala komanso ntchito zambiri zakuchipatala. Gawo B limafotokozanso za zida zolimba zamankhwala, ma ambulansi, ntchito zamaganizidwe, ndi zina zothandizira odwala. Chidziwitso: Medicare Part A ndi B nthawi zambiri amatchedwa Medicare Oyambirira.
  • Gawo C , yomwe imadziwikanso kuti Medicare Advantage plans (kapena MA), ndizofalitsa mwachisawawa zoperekedwa ndi kampani yabizinesi ya inshuwaransi m'malo molunjika kuchokera kuboma ladziko. Iyi ndi njira ina yolandirira Medicare. Nthawi zina zimakhudza zinthu zomwe Original Medicare sizichita, monga kusamalira mano ndi masomphenya. Zitha kuphatikizanso mankhwala ndi zina zowonjezera monga kutumiza chakudya kapena zoyendera kupita kukaonana ndi dokotala.
  • Gawo D ndi gawo limodzi la Medicare lomwe limapereka chithandizo chamankhwala, ndipo limapezeka kokha kudzera kuma inshuwaransi apadera omwe avomerezedwa ndi Medicare. (Kuti mumve zambiri zamankhwala amankhwala ogwirizana ndi Gawo D, werengani zambiri za Phokoso la Medicare donut .

Mankhwala

Medicaid ndi pulogalamu yaboma yomwe imapereka inshuwaransi yazaumoyo kwa anthu ena omwe amalandila ndalama zochepa ndipo imathandizidwa ndi boma la boma kuwonjezera pa boma. Medicaid imakhudza achikulire, anthu olumala, ana, amayi apakati, makolo, komanso osamalira ana.

Anthu amatha kukhala ndi Medicare ndi Medicaid nthawi yomweyo.

Ndani amayenerera Medicare vs. Medicaid?

Sikuti aliyense ali woyenera kulandira chithandizo cha Medicare komanso / kapena Medicaid. Nazi ziyeneretso za pulogalamu iliyonse yaboma.



Mankhwala

Ziyeneretso za 65+ ndi izi:

  • Inu (kapena wokwatirana naye) mumalandira kapena kuyenerera kulandira pantchito ya Social Security kapena Railroad Retirement Board (RRB). KAPENA
  • Mutha kukhala:
    • nzika ya U.S. KAPENA
    • wokhala kwalamulo kosatha wokhala ku US kwa zaka zosachepera zisanu asanalembe.

Ndikothekanso kuyenererana ndi zolemba za ntchito ya womwalirayo kapena wosudzulana. Kuti muyenerere kulandira ma Medicare athunthu osakwana zaka 65:

  • Mwalandira ndalama za Social Security Disability Insurance (SSDI) kwa miyezi yosachepera 24. KAPENA
  • Muli ndi matenda oyenerera
    • Amyotrophic lateral sclerosis (ALS) amatchedwanso matenda a Lou Gehrig ndikulandila SSDI (simuyenera kudikirira miyezi 24)
    • Mapeto a matenda a impso kufuna kuti dialysis ibwererenso kapena ngati mwakhala mukumupatsa impso NDI
      • mukuyenera kulandira SSDI kapena Railroad Retirement Benefits OR
      • Mudalipira misonkho ya Medicare kwakanthawi kokwanira monga amafotokozera a Social Security Administration

Ngati mukukumana ndi ziyeneretso pamwambapa, ndipo ndinu nzika kapena mwakhala ovomerezeka zaka zosachepera zisanu, koma mulibe mbiri yantchito kuti muyenerere kulembetsa ku Medicare Part A, mwina nkutheka kuti mukhoze kulandira mwayi wa Medicare ngati muli ndi ndalama zochepa. Muyenera kulumikizana ndi Medicare, Social Security Administration, kapena gulu lowalimbikitsa kuti muthandizidwe.



Ponena za kulembetsa, anthu ena amalembetsa ku Medicare Part A, inshuwaransi ya chipatala, akafika zaka 65. Omwe amalandila ndalama zochoka pantchito kuchokera ku Social Security kapena RRB amalembetsa ku Medicare Part A ndi B.

Ngati simukudziwa ngati mukuyenerera kapena simunalembetsedwe, itanani Social Security pa 800-772-1213. Medicare ilinso nayo chowerengera kukuthandizani kudziwa kuyenerera kwanu kapena kuwerengera ndalama zanu.



ZOKHUDZA: Kuwongolera kwanu ku nthawi yolembetsa ya Medicare

Mankhwala

Kuyenerera kwa Medicaid kumasiyana malinga ndi mayiko, ngakhale boma limakhazikitsa mfundo zoyenerera zomwe boma lililonse liyenera kutsatira. Medicaid nthawi zambiri imadalira kuchuluka kwa ndalama, kukula kwa banja, kulumala, ndi zina monga kutenga mimba, koma izi zimatha kusiyanasiyana pakati pamaiko. The Affordable Care Act idapangitsanso kuyenerera kwa Medicaid, m'malo ena, omwe amangogwiritsa ntchito ndalama. Ngati ndalama zapakhomo zili pansi pa 133% ya federation umphawi (koma kwenikweni 138% chifukwa cha momwe amawerengedwera) munthu akhoza kuyenerera kufalikira kwa Medicaid uku. Mayiko angapo amagwiritsa ntchito malire osiyana.



Kuti muwone ngati dziko lanu lakulitsa Medicaid ndikuwona ngati mukuyenera, pitani kuno . Kuti mutsimikizire ndalama zanu mukamafunsira Medicaid, muyenera kupereka umboni. Izi zikhoza kukhala ndi ndalama, malipiro a chitetezo cha anthu, kapena kalata yochokera kwa abwana anu, mwachitsanzo. Pali zifukwa zina, kuyenerera, ndi zopempha zowonjezera zomwe zingafunike popempha Medicaid.

Ngati boma lanu silinakulitse Medicaid, pitani ku boma lanu Webusaiti ya Medicaid kuti muwone ngati mukuyenera. Feduro Msika wa zamankhwala amathanso kukuwuzani mapulani omwe angakuthandizeni kutengera zomwe mumakonda.



Ndikotheka kulandira maubwino a Social Security pomwe muli ndi Medicaid.

Kodi Medicaid ndi yaulere? Nanga bwanji Medicare?

Mankhwala ndi yaulere kapena yotsika mtengo kutengera boma.

Medicare ndiyopusitsa pang'ono. Pokhapokha mutakhala ndi ndalama zochepa, pamakhala ndalama zandalama, zolipiritsa, zolipirira, ndi zochotseredwa zomwe zimayenera kukumana.

  • Medicare Gawo A ndi yaulere kwa iwo omwe ali oyenera chifukwa cha mbiri yakugwira ntchito. Komabe, iwo omwe amagula akhoza kulipira mpaka $ 458 / mwezi mu 2020. Palinso $ 1,408 yochotseredwa panthawi iliyonse yopindulitsa (zomwe zimayamba tsiku lomwe mulandilidwe kuchipatala ngati wodwala wodwala, kapena kumalo osamalira anthu okalamba, ndipo zimatha pokhapokha mutatuluka mchipatala kapena malo osungira anthu kwa masiku 60 motsatizana), komanso chipatala ndi malo oyamwitsa odziwa ntchito tsiku ndi tsiku ndalama, zomwe zitha kukhala madola mazana patsiku popanda inshuwaransi yowonjezera. Zitsanzo za inshuwaransi yowonjezerapo, kapena yachiwiri, imaphatikizapo (koma siyimangokhala) yopuma pantchito kuchokera ku mgwirizano, kapena malingaliro ogulidwa mwachinsinsi a Medigap. Mutha kulumikizana ndi dipatimenti ya inshuwaransi ya boma lanu kuti mudziwe zambiri zamapulogalamu a Medigap omwe mungapeze, kuchuluka kwa mtengo wake, ndi ntchito ndi ndalama ziti zomwe Medicare azikulipirirani. Anthu ena omwe ali ndi Medicare nawonso ali ndi mwayi wopita ku Medicaid, yomwe imalipira gawo limodzi la Medicare Part A.
  • Medicare Gawo B ndalama zoyendetsera ndalama zimakhala $ 144.60 pamwezi, koma zimatha kusiyanasiyana kutengera momwe ndalama zilili, ndipo pali 20% yothandizidwa ndi othandizira azachipatala, othandizira odwala, komanso zida zamankhwala zolimba (ngati ali ovomerezeka ndi Medicare). Monga momwe zilili ndi Medicare Part A, inshuwaransi yachiwiri, Medigaps, ndi Medicaid zitha kuthandiza kugawana ndalama zambiri za Medicare Part B. Mapulogalamu oyendetsedwa ndi boma a Medicare Savings Programs, kapena MSPs, omwe akuphatikizapo QMB, SLMB, ndi QI-1, amalipiranso ndalama za Medicare Part B za iwo omwe ali ndi ndalama. Lumikizanani ndi boma lanu kapena Dipatimenti Yantchito Yantchito kuti mudziwe zambiri za MSPs.
  • Medicare Gawo C , kapena Medicare Advantage, imayendetsedwa kudzera ku inshuwaransi yaboma kotero kuti mtengo wake umasiyana pakati pa mapulani.
  • Gawo la Medicare D. , monga gawo C, imayendetsedwa kudzera kuma inshuwaransi ndipo ndalama zimasiyanasiyana. Omwe ali ndi mwayi wopeza ndalama ku pulogalamu ya Federal Extra Help atha kuchotsera ndalama zawo za Medicare Part D (ndalama zoyambira, zochotseredwa, zolipira kapena zolipirira ndalama). Pitani ku ssa.gov kuti mudziwe zambiri za Thandizo Lina, ndikufunsira phindu. Malangizo oyenerera kulandira gawo la Gawo D Owonjezera Thandizo ndi MSPs ndiowolowa manja kwambiri kuposa a Medicaid.
    • Kuti mupeze gawo la C kapena Gawo D Medicare lomwe likukuthandizani, pitani ku Medicare.gov ndipo gwiritsani ntchito chida cha Plan Finder.

ZOKHUDZA: Mtengo wogwirizana ndi mapulani a Medicare Part D.

Ndi zabwino zazikulu ziti zomwe Medicaid imaphimba yomwe Medicare sichitero?

Ntchito zambiri zothandizidwa ndi Medicaid ndi Medicare zimaphatikizana. Komabe, pali ntchito zina zomwe Medicaid imapereka zomwe sizikupezeka mu Medicare. Ntchito izi ndi monga:

  • Ntchito zamagetsi
  • Kusamalira mano nthawi zonse
  • Kusamalira okalamba (chisamaliro cha tsiku ndi tsiku mwachitsanzo, kuthandizidwa ndi Zochita za Daily Living [ADLs] monga kudya, kusamba)
  • Kusamalira ana okalamba

Ntchito zamankhwala zimatha kusiyanasiyana pakati pamaiko. Mwambiri ma Medicaid amaphatikizapo:

  • Ntchito zakuchipatala zakuchipatala komanso zapachipatala, maulendo a dokotala, kuyesa magazi, ma X-ray, komanso chithandizo chamankhwala kunyumba

Phindu la Medicare limasiyana pakati pa Gawo A ndi Gawo B.

  • Gawo A chimakwirira chisamaliro cha kuchipatala kwa odwala, kugona kwakanthawi kochepa m'malo ophunzitsira anthu okalamba, malo osamalira anthu odwala matenda ena, ndi ntchito zina zakuchipatala.

Gawo B chimakwirira chisamaliro chosakhala kuchipatala kuphatikiza maulendo aofesi a dokotala, kuyezetsa magazi, kuyezetsa magazi, ma X-ray, zida, komanso chisamaliro chambiri cha odwala.