Mint lattad javitottam, mielott nekiestel volna :0
A medicare 80%-ot meg lehet beszelni az orvossal. Vagyis nagyon sok orvos elfogadja azt amit a medicare fizet es nem kell a tovabbi 20%ot fizetni. Aki nem akar alkudozni az pedig vehet kiegeszito biztositast :)
Assistance with health care has been a growing issue in the United States for years. Many individuals, especially seniors, find that they are unable to afford medical bills or insurance for coverage. This leaves them with some tough decisions. Too often, one must choose between good health and finances. There's no middle ground. The Medicare program was developed by the government to help those who are eligible with their overwhelming health care bills.
There is a lot of information to process when considering Medicare. Knowing what Medicare is and how it works will help you choose the program that will best meet your individual needs. Use this helpful guide to get an understanding of the Medicare program and how it can benefit you.
What is Medicare?
Medicare is a government health insurance program administered by the Centers for Medicare & Medicaid Services (CMS). Medicare is the largest health insurance service in the country, with around 40 million Americans participating. To be eligible you must be a citizen of the United States and meet certain requirements. If you are not a citizen of the United States, you can contact the Social Security Administration office to learn if you would be eligible.
Can you answer yes to at least one of the following statements?
I am 65 years of age or older.
I am under 65, but I have certain disabilities.
I have End-Stage Renal Disease (kidney failure that requires a transplant or dialysis).
If so, then you are likely to be eligible for Medicare benefits. Medicare Benefits: A Brief Summary
Medicare is basically broken down into two main categories: the "Original Medicare Plan" and the "Medicare Advantage Plan." Each category is made up of four sub-categories: Part A, Part B, Part C and Part D.
The Original Medicare Plan
The Original Medicare Plan consists of Part A. You do have the option of adding Part B and D. You will automatically be enrolled in the Original Medicare Plan unless you specifically choose to join a Medicare Advantage Plan (Part C).
The federal government manages the Original Medicare Plan. It operates on a fee-for-service plan. Most people pay a deductible and then a co-pay or co-insurance.
Medicare Advantage Plan
The Medicare Advantage Plan or Plan C combines your Part A and B coverage, but is provided by private insurance companies. You have the option of adding Part D if coverage is not already included. Medicare Advantage Plans include HMO, PPO, private fee-for-service plans, and Medicare special needs plans.
Part A Overview
Part A is hospital insurance provided by Medicare. Most people do not pay a premium for this coverage. Part A covers inpatient care in skilled nursing facilities, critical access hospitals, and hospitals. Hospice and home health care are also covered by Part A.
Part B is medical insurance to pay for medically necessary services and supplies provided by Medicare. Most people will have to pay a premium to receive this coverage. Part B covers outpatient care, doctor's services, physical or occupational therapists, and additional home health care.
Part C is the combination of Part A and Part B. The main difference in Part C is that it is provided through private insurance companies approved by Medicare. With this program, you may have lower costs and receive extra benefits.
Part D is stand-alone prescription drug coverage insurance. Most people do have to pay a premium for this coverage. Plans vary and cover different drugs, but all medically necessary drugs are covered. You can choose what drug plan will be best suited to your needs.
Original Medicare Plans do not cover everything. Costs that you may incur include co-insurance, co-pays, deductibles, etc. These costs are called gaps. To help cover these costs you might want to buy a Medigap policy.
Another option is Medicaid. Medicaid is a combination of federal and state programs to help cover medical costs. Eligibility depends on your income as well as the ability to meet specific requirements.
If you are new to Medicare, the first thing you need to do is decide which Medicare plan will fit your needs. Be sure to check if your current insurance works with Medicare and determine if you need help paying for additional health care costs. You will also need to schedule a "Welcome to Medicare" physical exam with a doctor. Don't forget to ask your doctor about any preventive services he might recommend. Decide if you need prescription drug coverage. Then, you should contact a Medicare representative to enroll.
akinek van biztositasa azt a biztosito fizeti, akinek nincs azt meg az adofizetok penzebol fizeti a medicare.
A Medicare az a nyugdijasok biztosítása. 80%-ot fizet. A SS tax-el befizette a dolgozó, elöre. Ha valakinek nincs biztosítása és rászorul annak ott van a Medicaid.
Ne vitazz olyannal aki lekezelo stilusban tud csak irni Neked,mert csak magadat idegesited fel :)...Az eletemben kerulom a vulgaris kifejezeseket,de itt mar nem tudnek mast hasznalni azokra kik csak ebben a proszto,kioktato stilusban tudnak irni,neked,nekem es masoknak is...nem kenyerem,de szivesen lekevernek Nekik egy nyaklevest mar:(
A biztositasokat reszben jol ertelmezed,reszben nem....Rengeteg szint van a biztositasra,betegsegektol a Te egeszsegugyi allaptodtol , munkadtol es meg sok-sok mindentol fuggoen.
Ezek lehetnek egeszen elerhetotol az egekig menoek. Szakosdhatnak kifejezettem a munkahelyen elofordulo,es altalanos betegsegekre is....
Itt mint Te is tudod a kredit besorolas 'elengedhetelenul" resze az eltnek...ha nem tudod kifizteni pl a korhazi koltseget , akkor az komolyan rontja a creditedet. Itt ezt nagyon komolyan veszik.Tul komolyan is. sokmindent befolyasolnak ezzel...autohoz,lakashoz jutast es sok mast.
Valoban sokakak adosit el ez a rendszer , ha megbetegszenek...nem tudnak maskepp fizetni,csak ha tobb hitelkartyat is lemeritenek...aztan azok fizetesebe gyakran bele is rokkannak ahogyan te is mondtad...
Addig amig nem kerul valaki korhazba,addig talan kitermelhetoek az arak..talan... de ha bent kell maradnod , akkor komoly ervegas ez. Nalunk ha elnagyolva atlagolok , akkor 9000 doli egy vizsgalatokkal bent toltott nap...ezt itt agy 5000doli/eves biztositassal tudsz a nullla fele kozeliteni...de meg ebben sincs benne eleg sok minden...
Az alatald emlitett benzinkutas sok evig fizeti vissza a korhazi szamlajat..na nem a korhaznak,mert az nem hitelez addig....
ez azert igen nagyban fugg a problematol es a biztositastol is. (sajnos itt is egyre jobban a biztositotol is:((( egyre tobb esetben elobb "te " kifizeted,aztan hajtod a biztositodat:(((
egy alap biztositas nem fedezi a korhazi elletasok jelentos szazalekat:((
Amit irok,nem hit kerdese. Tobbszor irtam,hogy sajat tapsztalataimat irom csak le,nem mendemondakat. Jottem ide az orszagba hivatalosan es nem hivatalosan is. fizettem adot igy is es ugy is! Illegalisan 15 dolit fizettem vizsgalatonkent,fuggetlenul a betegsegtol,es 5000$/ev es biztositassal ugyanazert a konzultacioert es vizsgalatert 75-130 doliig fizetek...hogy ez mennyire felhaborito azon lehet vitakozni,de hogy a megleten nem erdemes...
Ja ez erdekes es akkor erosen felmerul a kerdes, hogy minek is kossek biztositast? Utolag hogy hajtjak be egy benzinkuton dolgozotol pl aki keres brutto nyochuszat orankent?:)
A lényeg, hogy az állam pénzéből megy. Azért néha azon elgondolkodom, hogy ha van egy illegális bevándorló nő, és szül 6-8 gyereket, akkor azt ki fizeti, ha egy szülés van vagy 8 ezer dollár? Vagy paradicsomszedés olyan bazi nagy biznisz, hogy bőven telik rá? Meg az, mikor a bűnöző negyedekben lelövöldözik egymást a bandatagok. A kajajegyből fizetik a műtéteket?
Jo de nem reg azt irta valaki itt a forumon, hogy a biztosito addig kolt rad, amig van fedezeted, tehat ha van egy hazad annak az arat is radkolti, csak ugye utana mar nem a Te hazad lesz.:) De ha nem igy van cafoljatok meg, nem en talaltam ki.
Kisfiam, amíg összekevered az ellátást a biztosítással addig nincs értelme neked ilyesmit megmagyarázni. Ugy sem értenéd. S vedd vissza a hangot, mert kiátszik a müveletlenség.
Hat akkor itt az ideje, hogy egy igazi forrasbol megtudjuk mi tortenik egy komoly betegseg eseten. Ki fixzti azt ki? Rak, tudogyulladas stb, amik hosszan elhuzodnak. :)
Miert fussak neki? Azt irtak itt nemreg, hogy amig van fedezet, addig fizetik az ellatasod. Ha a hazad veszik el, akkor az, a lenyeg, hogy meggyogyulj. Ami igen jo, ha utana nincs hol laknom.
