Ƙarin fahimtar Medicare Sashe na B

Asusun Asibiti na Asibiti na Medicare

Medicare Sashe na B

Medicare yana da ɓangarori hudu , ko shirye-shiryen, waɗanda ke ba da cikakken ɗaukar hoto don ayyukan kiwon lafiya daban-daban. Ƙarin fahimtar yadda ayyuka na Medicare na iya taimaka maka ka zaɓi zaɓuɓɓuka na Medicare wadanda suka fi dacewa da bukatunka.

Medicare Sashe na B, wanda aka sani da shirin Asibiti na Asibiti, yana taimakawa wajen biyan kuɗin da ake bukata, kamar:

• Ayyukan likitoci
• Gudanar da kulawa daga waje

• Wasu sabis na kiwon lafiya na gida, kamar su na jiki da na sana'a
• Wasu ayyuka na hana

Wanene ya cancanta don Mafarki na Asibiti B?

Idan kun kasance shekarun 65 ko tsufa (kuma ku sami amfana daga Tsaron Tsaro ko Kasuwanci na Railroad Retirement Board), za ku cancanci na Medicare Sashi na B. Your Medicare Sashe na B yana farawa a ranar farko ta watan da ku juya 65. Ya kamata ku karbi katinku na Medicare a cikin wasikar watanni uku kafin ranar haihuwa ta 65.

Idan kana da shekaru 65, kun cancanci karɓar amfanin B na cikin Bangarorin da ke faruwa:

• Kuna karbar Asusun Harkokin Cutar Lafiya na Jama'a fiye da shekaru biyu - ya kamata ku sami katin kuɗin Medicare a cikin wasikar kafin ku wuce watanni 25 na rashin lafiya.
• Kuna da gazawar koda ta ƙarshe (cututtuka na ƙarshe, ko ESRD) yana buƙatar ci gaba da kwance ko ƙwaƙwalwar koda. Ka'idoji na musamman sun shafi mutanen da ke tare da ESRD - don ƙarin bayani game da Magunguna na Kidney Dialysis da Koda Transplant Services.

• An gano ku tare da amyotrophic labarun sclerosis (Lou Gehrig's). Idan kana da ALS, za ka sami Sashe A a watan da za'a fara amfani da rashin lafiyarka.

Dole ne in biya bashi na madadin Buka na Buka?

Kuna buƙatar biyan kuɗi na kowane wata don Sashe na B wanda za a iya cirewa daga duba lafiyar ku na kowane wata.

Yawancin mutane suna biyan kuɗi na kowane wata na Part B, wanda shine $ 96.40. Domin shekara ta 2010, idan kuna da babban biyan kuɗi a shekarar 2008 (fiye da $ 85,000 na kowanne, $ 170,000 kowannen biyu), dole ku biya biyan kuɗi na sama na sama na kashi B, daga $ 154.70 zuwa $ 353.60.

Medicare Sashe na B shine shiri na son rai kuma zaka iya fita daga gare ta kuma ba biya biyan kuɗi na kowane wata ba. Idan baku so Medicare Sashe na B, bi umarnin da ya zo tare da katin ku na Medicare. Kuna buƙatar aika katin baya. Idan kana so ka zauna a Medicare Sashi na B, kawai ka ajiye katin kuma zaka sami rabon B na bashi daga asusun tsaro naka.

Idan ƙidaya ku ke iyakance kuma ba za ku iya biyan kuɗin B na Ƙananan B ba, jiharku na iya samun shirin don taimakawa. Don ƙarin bayani duba rubutun Ƙarin Taimakon Taimako tare da Kuɗin Kuɗin Kuɗi kuma ziyarci Cibiyar Taimakon Asusun Taimakon Asibiti na Jihar (SHIP) don ƙarin bayani game da shawarwari kyauta a jiharka.

Mene ne Asibiti na Bangare na Bangaren B da kuma Menene Ina Bukata?

Medicare Sashi na B yana da deductible shekara-shekara, wanda a shekarar 2010 yana da $ 155.00. Dole ne ku biya duk farashi har sai kun sadu da wannan deductible a kowace shekara kafin Medicare ya fara biyan kuɗi. Bayan ka sadu da deductible, za ka iya zama alhakin haɗin kai na kashi 20 cikin dari na adadin lafiya na Medicare don sabis ɗin.

Gaba ɗaya, Medicare Sashi na B yana tanadin nau'i nau'i biyu:

• Ayyukan kiwon lafiya - sabis na kiwon lafiya (da kayayyaki masu dangantaka) wanda zaka iya buƙatar ganewa da kuma magance yanayin likita. Medicare kawai zai biya sabis ne da suka bayyana a matsayin zama wajibi ne.
• Ayyuka na rigakafi - sabis na kiwon lafiya don hana rashin lafiya (kamar gwanon mura) ko kuma taimakawa wajen gano rashin lafiya a farkon mataki don haka za'a iya gudanar da shi kafin ya kara muni (kamar nunawa ga ciwon ciwon ciwon mangu ).

Ayyukan Gida
Wasu misalai na ayyukan kiwon lafiya da aka rufe sun haɗa da:

• Ayyukan motar asibiti - kawai idan ya cancanta kuma kawai ga makamancin likita mafi kusa

• Ayyukan Laboratory Clinical - wasu gwaje-gwajen jini, fitsari gwaje-gwajen, da wasu gwaje-gwaje na gwaji
• Gurasar ciwon sukari - masu sa ido na jini, gwajin gwaji, da lancets
• Doctor Services - kula da ayyukan rigakafin da ka samu daga likitocinka a ofisoshin su da kuma wasu ayyukan da aka bayar a asibitin
• Magungunan Kwayoyin lafiya - abin da likitanka ya umarta don amfani a cikin gida, kamar kayan aikin oxygen, dawaki, masu tafiya, da gadajen asibiti
• Ayyukan Wuraren gaggawa - jiyya na mummunan rauni ko rashin lafiya a kwatsam
• Maganin Kiwon Lafiyyar Kwane-kwane - ganewar asali da kuma kula da yanayin kiwon lafiyar jiki kamar ciki, damuwa, ko cin zarafi
• Farfesa na Farfesa, Farfesa na jiki, da Magana - Harkokin Kiwon Lafiya - don taimaka maka ka sake komawa cikin al'amuran al'ada bayan rashin lafiya ko rauni
• Ayyukan Asibitoci na Ƙasar - ya hada da likita a cikin asibitoci da wasu ayyuka kamar radiyo X, ramuɗɗa, kisa, jefawa,
• Dokar takardun magani - yawanci iyakance ga ƙirar da kake ciki a ofishin likitanka, wasu magungunan maganin ciwon daji, da kuma wasu kwayoyi da ake amfani dashi da kayan aiki kamar nebulizer ko jigon famfo

Ayyuka na Rigakafin
Wasu misalai na ayyukan kare rigakafin sun hada da:

• Tsarin ciki na Aburinal Aneurysm Screening - yin nazari guda daya ga mutane a hadari
• Gwajin ƙwaƙwalwar lalacewa - fuska don osteoporosis don ganin idan kana cikin haɗari ga kasusuwa ƙashi
• Cigabawar Cancer - an gudanar da gwaje-gwaje da yawa don taimakawa wajen gano wasu cututtuka, irin su ciwon daji na cin hanci, ciwon nono, ciwon jijiyar mahaifa da ciwon ciwon gurgu
• Tsawon ciwon sukari - gwaje-gwajen jini don mutanen da ke fuskantar hadarin sukari
• Glaucoma Tests - ga mutanen da ke da haɗari ga glaucoma, mummunan cututtukan ido
• Ciwon Zuciyar Zuciya - gwaje-gwaje na jini, irin su cholesterol, don taimakawa wajen ƙayyade hadarin ciwon zuciya
• Shots - ɗaukar hoto ya hada da gubar dalma, ciwon hepatitis B, da kuma pneumococcal harbi
• Cessation Smoking - shawara don taimaka maka ka daina shan taba

Lura: Lissafin da ke sama anan ne kawai a cikin jerin ayyukan da aka rufe a ƙarƙashin Dokar Medicare na B. Domin cikakken jerin, wanda ya haɗa da abin da sabis ke ƙarƙashin ƙididdigar shekara da haɗin kai, duba Medicare & You 2010, wanda ya kamata ka karɓa a cikin mail. Hakanan zaka iya duba samfurin da aka sabunta akan shafin yanar gizo na Medicare.

Dole ne in shiga cikin shirin Shirya Matsala?

Yayin da Medicare Sashi na B zai iya biya yawancin kuɗin likita, har yanzu kuna da wasu matsalolin kuɗin da suke ciki. Don haka, ƙila za ku iya yin la'akari da shirin Medigap don taimakawa wajen biyan kuɗin wadannan nau'ikan kuɗin da suke ciki kamar na shekara-shekara na Rashin Bugawa na Ƙarin B, cajirance charges da copayments. Idan ka shiga cikin shirin shirin na Medicare Advantage, wasu daga cikin wadannan kuɗi za a iya rufe su.