Medicare Melemo ea Inshorense ea Bongaka
Medicare Karolo ea B
Medicare e na le likarolo tse 'nè , kapa mananeo a fanang ka boitsebiso bakeng sa litšebeletso tse amanang le bophelo bo fapaneng. Ho utloisisa kamoo Medicare e sebetsang kateng ho ka u thusa ho khetha dikgetho tsa Medicare tse loketseng litlhoko tsa hau.
Medicare Karolo ea B, e tsejoang hape e le lenaneo la bongaka la inshorense, e thusa ho lefa litšebeletso tse hlokahalang tsa meriana, tse kang:
- Litšebeletso tsa lingaka
- Tlhokomelo ea bakuli
- Litšebeletso tse ling tsa bophelo bo botle ba malapa, tse kang phekolo ea mmele le ea mosebetsi
- Litšebeletso tse ling tsa thibelo
Ke Mang ea Tšoanelehang Bakeng sa Medicare Karolo ea B?
Haeba u le lilemo li 65 kapa ho feta ('me u fumane melemo ho tsoa ho Social Security kapa Railroad Retirement Board), u itokisetsa ho Medicare Karolo ea B. Phetolelo ea hau ea Medicare Part B e qala ka letsatsi la pele la khoeli u le lilemo li 65. Hape u lokela ho amohela karete ea hau ea Medicare ka poso likhoeli tse tharo pele u tsoaloa ka 65.
Haeba u ka tlase ho lilemo tse 65, u na le tokelo ea ho fumana melemo ea Karolo ea B tlasa maemo a latelang:
- U 'nile ua fumana Inshorense ea Bokooa bo Botle ba Sechaba ka lilemo tse fetang tse peli - u lokela ho fumana karete ea Medicare ka poso pele khoeli ea bo25 ea bokooa.
- U na le ho hloleha ha liphio (phello ea ho qetela ea lefu la renal, kapa ESRD) e hloka dialysis e tsitsitseng kapa ho fetisetsa liphio. Melao e khethehileng e sebetsa bakeng sa batho ba nang le ESRD - bakeng sa tlhahisoleseding e eketsehileng ho sheba Medicare Coverage ea liphio Dialysis le Litšebeletso tsa ho Transplant tsa liphio.
- U fumanoe u e-na le amyotrophic lateral sclerosis (lefu la Lou Gehrig). Haeba u na le ALS, u fumana karolo ea A khoeli ka melemo ea hau ea bokooa e qala.
Na ke tlameha ho lefa Premium bakeng sa Medicare Part B?
U tla tlameha ho lefa moputso oa khoeli le khoeli oa Karolo ea B e ka tlosoang ho hlahloba ts'ireletso ea khoeli le khoeli.
Batho ba bangata ba lefella moputso oa khoeli le khoeli oa karolo ea B, e leng $ 96.40. Bakeng sa 2010, haeba u na le chelete e phahameng ka 2008 (ho feta $ 85,000 ka ho le mong; $ 170,000 ka banyalani ba bang), o tla tlameha ho lefa moputso oa khoeli le khoeli bakeng sa Karolo ea B, ho tloha ho $ 154.70 ho ea ho $ 353.60.
Medicare Karolo ea B ke lenaneo la boithatelo 'me u ka tsoa ho lona' me u se ke ua lefa moputso oa khoeli le khoeli. Haeba u sa batle Medicare Part B, latela litaelo tse tlang le karete ea hau ea Medicare. U tla hloka ho romella karete. Haeba u batla ho lula Medicare Karolo ea B, feela u boloke karete 'me u tla ba le li-premium tsa karolo ea B tse tlosoa ho hlahloba ts'ireletso ea sechaba.
Haeba chelete ea hau e fokotsoe 'me u ke ke ua khona ho lefella moputso oa khoeli le khoeli Karolong ea B, boemo ba hau bo ka ba le lenaneo la ho thusa. Bakeng sa tlhahisoleseding sheba bukana ena Fumana Thuso le Meriana ea hau ea Meriana 'me u etele sebaka sa State Health Insurance Assistance Program (SHIP) bakeng sa boitsebiso mabapi le keletso ea mahala mahala sa hau.
Mokhatlo oa Medicare Part B o koahela eng 'me ke tlamehile ho o lefa eng?
Medicare Part B e na le deductible ea selemo le selemo, eo ka 2010 e leng $ 155.00. U tlameha ho lefa litšenyehelo tsohle ho fihlela u kopana le deductible selemo le selemo pele Medicare e qala ho lefa karolo ea eona. Ka mor'a hore u kopane le chelete ea hau, u ka 'na ua ikarabella bakeng sa chelete ea lichelete ea chelete ea chelete ea 20% ea chelete e amohelehang ea Medicare bakeng sa tšebeletso.
Ka kakaretso, Medicare Part B e akaretsa mefuta e 'meli ea litšebeletso:
- Litšebeletso tsa bongaka - litšebeletso tsa tlhokomelo ea bophelo (le lihlahisoa tse amanang le tsona) tseo u ka 'nang ua li hloka ho hlahloba le ho phekola boemo ba bongaka. Medicare e tla lefshoa feela bakeng sa lits'ebeletso tseo ba li hlalosang e le tse hlokahalang meriana.
- Litšebeletso tsa tšireletso - litšebeletso tsa bophelo bo botle ho thibela maloetse (joalo ka feberu ea thunya) kapa thuso ho fumana boloetse boemong ba pele e le hore e ka laoloa pele e e-ba bobebe (e kang ho hlahloba kankere ea colone ).
Mesebetsi ea Bongaka
Mehlala e meng ea litšebeletso tsa bongaka e koahetsoeng ke:
- Litšebeletso tsa Ambulense - hafeela ho hlokahala ebile ke feela setsing sa bongaka se nepahetseng se haufi
- Litšebeletso tsa Maiketsetso tsa Bongaka - litlhahlobo tse ling tsa mali, liteko tsa mochini, le liteko tse ling tsa ho hlahloba
- Matšoao a tsoekere - litebelisoa tsa tsoekere ea mali, lihlopha tsa tlhahlobo le lancet
- Litšebeletso tsa ngaka - litšebeletso tsa tlhokomelo le thibelo eo ue fumanang ho lingaka tsa hau ofising ea bona le litšebeletso tse ling tse fanoang sepetlele
- Thepa ea Meriana e sa Feleng - lintho tseo lingaka tsa hau li sebetsang ka tsona lapeng, tse kang lisebelisoa tsa oksijene, likooa tsa likooa, ba tsamaeang ka maoto le libethe tsa sepetlele
- Litšebeletso tsa Likamore tsa Tšohanyetso - phekolo ea kotsi e tebileng kapa boloetse ba tšohanyetso
- Mental Health Care - ho hlahlojoa le ho phekoloa ha maemo a bophelo ba kelello a kang ho tepella maikutlong, ho tšoenyeha kapa ho sebelisa lithethefatsi hampe
- Phekolo ea Basebetsi, Phekolo ea Meriana, le Lipuo-Litšebeletso tsa Pathology - ho u thusa hore u khutlele mosebetsing o tloaelehileng ka mor'a ho kula kapa kotsi
- Litšebeletso tsa Lipetlele tsa Lipetlele - li kenyelletsa litšebeletso tsa ngaka lefapheng la bakuli ba sepetlele le lits'ebeletso tse ling tse kang X-rays, EKGs, scans, cast, kapa maqeba a tsamaiso)
- Lithethefatsi tse ngotsoeng ka molao - ka tloaelo li lekanyelitsoe liente, o kena ngakeng ea hau, lithethefatsi tse ling tsa kankere ea molomo, le lithethefatsi tse ling tse sebelisitsoeng ka thepa e kang nebulizer kapa infusion pump
Litšebeletso tsa Thibelo
Mehlala e meng ea litšebeletso tse thibelang thibelo e kenyelletsa
- Bokhukhuni ba Aortic Aneurysm Screening - tlhahlobo ea nako e le 'ngoe bakeng sa batho ba kotsing
- Tšebeliso ea masapo a masapo - lisebelisoa tsa ho fokola ha masapo ho bona hore na u kotsing ea masapo a robehileng
- Ho hlahloba Kankere - liteko tse 'maloa li koaheloa ho thusa ho lemoha mafu a mang a kankere, a kang kankere e bolaeang, kankere ea matsoele, kankere ea mokokotlo le kankere ea prostate
- Ho hlahloba lefu la tsoekere - liteko tsa mali bakeng sa batho ba kotsing ea lefu la tsoekere
- Liteko tsa Glaucoma - bakeng sa batho ba kotsing e kholo ea glaucoma, boloetse ba mahlo a maholo
- Ho hlahloba mafu a pelo - ho hlahlojoa mali, joalo ka k'holeseterole, ho thusa ho fumana kotsi ea lefu la pelo
- Shots - ho phatlalatsoa ho akarelletsa lefuba le thunngoa, lefu la hepatitis B, le phunyo ea pneumococcal
- Ho khaotsa ho tsuba - tlhabollo ho u thusa ho khaotsa ho tsuba
Tlhokomeliso: Lintlha tse ka holimo ke karolo ea likaroloana tse fanoang tlas'a Medicare Part B. Bakeng sa lenane le feletseng, le boetse le akarelletsa hore na ke lits'ebeletso life tse felletsoeng selemo le selemo le chelete ea tšebeliso ea chelete, bona Medicare & You 2010, eo u lokelang ho e fumana ka mail. U ka boela ua sheba phetolelo e ntlafalitsoeng websaeteng ea Medicare.
Na ke Lokela ho Ngolisa Morero oa Medigap?
Le hoja Medicare Karolo ea B e ka 'na ea lefa boholo ba lits'enyehelo tsa meriana tsa kalafo, u ntse u ka ba le litšenyehelo tse ling tsa ka ntle ho tefo. Kahoo, o ka rata ho nahana ka moralo oa Medigap ho thusa ho lefa litšenyehelo tsena tse ka ntle ho likoloto tse kang karolo ea selemo ea B e fokotsoang, lichelete tsa lichelete tsa lichelete le likoloto. Haeba u ngolisa moralo oa Medicare Advantage, tse ling tsa litšenyehelo tsena li ka boela tsa koaheloa.