Shin Tsarin Amfani da Magunguna ya Sauya Asalin Asibiti?

Wadatacce

• Asalin Magungunan asali da Fa'idodin Medicare
• Asibiti na asali
• Amfanin Medicare
• Sauran bambance-bambance tsakanin Medicare na asali da kuma Medicare Amfanin
• Janar ɗaukar hoto
• Maganin magani
• Coveragearin ɗaukar hoto
• Zabin likita
• Benefitsarin fa'idodi
• Gabatarwa don sabis ko kayayyaki
• Shin an rufe ku yayin tafiya a wajen Amurka?
• Fa'idodin kwatancen fa'idodi
• Bambance-bambancen farashi tsakanin Asibiti na asali da Fa'idodin Medicare
• Kudaden daga-aljihu
• Iyakar shekara
• Farashin farashi
• Awauki

Amfanin Medicare, wanda aka fi sani da Medicare Part C, madadin ne, ba maye gurbin, Medicare na asali ba.

Shirye-shiryen Amfani da Medicare shiri ne na "duka-cikin-ɗaya" wanda ke haɗa sashin Medicare Sashe na A, Sashi na B, kuma, galibi, Sashe na D. Shirye-shiryen Amfani da Medicare suma suna ba da fa'idodi kamar haƙori, ji, da hangen nesa waɗanda asalinsu basa rufe su Medicare.

Shirye-shiryen Amfani da Medicare ana bayar dasu ta kamfanoni masu zaman kansu waɗanda aka amince da Medicare. Ana buƙatar su bi dokokin da Medicare ya kafa.

Idan ka yanke shawarar shiga shirin Amfani da Medicare, har yanzu zaka sami Medicare amma yawancin Medicare dinka A (inshorar asibiti) da Medicare Part B (inshorar likita) zasu fito ne daga shirin Amfani da Medicare, ba ainihin Medicare ba.

Asalin Magungunan asali da Fa'idodin Medicare

Asalin Medicare da Amfani da Medicare sune manyan hanyoyi guda biyu don samun Medicare.

Asibiti na asali

Asali na asali ya hada da:

• Sashi na A: zaman asibitin marasa lafiya, wasu kula da lafiyar gida, kulawa a cikin kwararrun asibitin kulawa, kulawar asibiti
• Sashe na B: kulawar asibiti, sabis na motar asibiti, kayan aikin likita, wasu hidimomin likita, sabis na rigakafi

Amfanin Medicare

Shirye-shiryen Fa'idodin Kiwan lafiya sun rufe duk abin da aka haɗa a Medicare Sashe na A da Sashi na B, ƙari:

• Sashe na D: takardun magani (mafi yawan shirye-shirye)
• ƙarin ɗaukar hoto (wasu tsare-tsaren) gami da hangen nesa, haƙori, da ji

Sauran bambance-bambance tsakanin Medicare na asali da kuma Medicare Amfanin

Janar ɗaukar hoto

Tare da Medicare na asali, yawancin sabis da ake buƙata na likita da kayayyaki a ofisoshin likitoci, asibitoci, da sauran saitunan kiwon lafiya an rufe su.

Tare da Fa'idodin Medicare, duk ayyukan da ake buƙata na likitanci waɗanda aka rufe ta hanyar Medicare na asali dole ne a rufe su.

Maganin magani

Tare da Medicare na asali zaka iya shiga shirin Sashe na D dabam, wanda ya hada da ɗaukar magunguna don magunguna.

Tare da Amfani da Medicare, tsare-tsare da yawa sun zo tare da Sashi na D da an riga an haɗa shi.

Coveragearin ɗaukar hoto

Tare da Medicare na asali, zaku iya siyan ƙarin tallafi, kamar manufofin Medigap, don samun ƙarin ɗaukar hoto don takamaiman damuwa na likitanku.

Tare da tsare-tsaren Amfani na Medicare, ba za ku iya saya ko amfani da keɓaɓɓiyar hanyar ɗaukar hoto ba. Wannan yana nufin za ku so ku tabbatar da cewa shirin da kuka zaɓa zai rufe bukatunku tunda ba za ku sami zaɓi don ƙara ƙarin abubuwa don faɗaɗa ɗaukar hoto ba.

Zabin likita

Tare da Medicare na asali, zaku iya amfani da kowane likita ko asibiti a cikin Amurka wanda ke ɗaukar Medicare. A mafi yawan lokuta, ba kwa buƙatar turawa don ganin ƙwararren masani.

Tare da Amfani da Medicare, yawanci za a buƙaci ka yi amfani da likitoci a cikin hanyar sadarwar shirin kuma ƙila kana buƙatar gabatarwa don ganin gwani.

Benefitsarin fa'idodi

Asali na asali ba ya ba da ƙarin fa'idodi, kamar su gani, haƙori, da ji. Madadin haka, kuna buƙatar ƙarawa akan ƙarin don karɓar waɗannan fa'idodin.

Wasu Shirye-shiryen Amfanin Medicare suna ba da ƙarin fa'idodi.

Gabatarwa don sabis ko kayayyaki

Tare da Medicare na asali, yawanci ba lallai bane ku sami yarda kafin lokacin ɗaukar sabis ko samarwa.

Tare da Fa'idodin Medicare, don tabbatar da cewa sabis ya rufe sabis ko samarwa, ƙila a buƙaci ka sami yarda a wasu lokuta.

Shin an rufe ku yayin tafiya a wajen Amurka?

Asalin Magungunan asali gabaɗaya baya rufe kulawa a wajen Amurka, amma kuna iya sayan manufofin Medigap don ɗaukar hoto a wajen Amurka

Amfanin Medicare gabaɗaya baya rufe kulawa a wajen Amurka ko kulawa ta gaggawa a wajen hanyar sadarwar shirin.

Fa'idodin kwatancen fa'idodi

Bambance-bambancen farashi tsakanin Asibiti na asali da Fa'idodin Medicare

Kudaden daga-aljihu

Tare da Medicare na asali, bayan kun haɗu da abin da kuka cire, yawanci za ku biya kashi 20 cikin ɗari na adadin da aka amince da Medicare don ayyukan da aka rufe Sashe na B.

Tare da tsare-tsaren Amfani na Medicare zaka iya samun ƙananan kuɗaɗen aljihu fiye da Medicare na asali don wasu sabis.

Iyakar shekara

Tare da Asibiti na asali, babu iyakance kowace shekara akan tsadar aljihu.

Tare da tsare-tsaren Amfani da Medicare akwai iyakance kowace shekara akan tsadar aljihu don ayyukan da sashin Medicare Sashe na A da Sashe na B suka rufe da zarar kun isa iyakar shirin ku, ba zaku sami kuɗin biyan kuɗi don ayyukan da Sashe na A ke rufewa ba. da Sashi na B har zuwa sauran shekara.

Farashin farashi

Tare da Medicare na asali, kuna biyan kuɗin kowane wata don Sashe na B Idan kun sayi Sashi na D, za a biya wannan kuɗin daban.

Tare da Fa'idodin Medicare, ƙila ku biya farashi na Sashin B ban da ƙari don shirin kansa.

Yawancin tsare-tsaren Amfani da Medicare sun haɗa da ɗaukar magungunan ƙwaya, wasu suna ba da kyautar $ 0, kuma wasu na iya taimakawa wajen biyan duka ko wani ɓangare na kuɗin Sashin na B.

Awauki

Amfani da Medicare baya maye gurbin asali. Maimakon haka, Amfani da Medicare madadin ne na Asibiti na Asali. Waɗannan zaɓuɓɓuka guda biyu suna da bambance-bambance wanda zai iya sa mutum ya zama mafi zaɓi a gare ku.

Don taimakawa game da shawarar ku, zaku iya samun ƙarin bayani daga:

• Medicare.gov
• 1-800 Medicare (1-800-633-4227)
• Shirye-shiryen Taimakon Inshorar Kiwan Lafiya na Jiha (SHIPS)

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.