So what kind of medical treatment will people who join the federal government to provide medical insurance A plan enjoy? During hospitalization, they have a two-person one-room ward, and the hospital provides them with food, nurse care and hospitalization. The medical care enjoyed by the elderly in nursing and health institutions includes: two-person one-room ward, diet, nursing by experienced nurses, rehabilitation treatment, etc. The family health insurance services that the elderly who join Medicare A can enjoy include: temporary nurse care, family health assistance services, physical therapy, provision of medical equipment and wheelchairs and other medical services. Under normal circumstances, these services are not allowed to be paid after being recognized by insurance companies. For some medical equipment such as wheelchairs, patients need to pay 20% of the cost, and the rest is borne by the insurance company.
How much does it cost to be hospitalized when you are sick?
Let's take a look at how the elderly who joined the American medical insurance plan A on 20 10 share the hospitalization and medical expenses during hospitalization. The length of hospitalization for the elderly varies, and the expenses that individuals need to pay are also fixed. Except for the expenses paid by individuals, all other medical expenses and hospitalization expenses are paid by insurance companies. The period from the ninth1day to the fiftieth1day of the patient's hospitalization is called the retention period, and each person can only use it once in his life. If he is hospitalized for more than 90 days many times in his life, all hospitalization and medical expenses after 9 1 day will be paid by himself. Why does American insurance limit patients' hospitalization time? This is mainly because the medical cost of hospitals is too high. If patients can be hospitalized indefinitely for a long time, it is difficult for insurance companies to bear it. Second, hospitals are not sanatoriums or nursing homes. In order to avoid minor illnesses, paying part of hospitalization and medical expenses for patients who have been hospitalized for more than a certain number of days will naturally limit the desire of some people to stay in hospital for a long time.
Table B. Hospitalization expenses of elderly people over 65 who participate in medical insurance plan A.
If the elderly need to continue treatment in SkilledNursingFacility after being hospitalized in the hospital, how much medical expenses should the elderly pay? Nursing homes are different from long-term nursing homes, and part A of medical insurance does not bear the expenses of the elderly in nursing homes. 20 10 if the elderly who join the American medical insurance plan a are treated in a nursing home, 1 ~ 20 days do not need to pay any fees, and all hospitalization and medical expenses are paid by the insurance company. If you stay in a nursing home for more than 20 days, from the 2nd1day to the 0th 100 day, the elderly need to pay 137 USD for hospitalization and medical expenses every day, and the insurance company will pay all the remaining hospitalization and medical expenses. If the hospitalization time exceeds 100 days, all hospitalization expenses and medical expenses of hospitalized patients shall be paid by themselves. For the elderly who need home care, medical insurance generally does not include the cost of nursing staff, but for the needed medical equipment, patients have to pay 20% of the equipment cost, and the rest is paid by the insurance company. For the elderly with medical insurance, if blood transfusion is needed, the first 3 pints of blood need not be given by themselves. Starting with the fourth pint, the patient must pay for it himself.
What medical benefits does Medicare Plan B enjoy?
The medical insurance plan B mainly provides medical security for the elderly to see a doctor and have various physical examinations. The medical benefits enjoyed by the elderly who join the medical insurance plan B include: seeing a doctor, outpatient service, surgery, diagnosis and testing, etc. At the same time, it also includes physical examination and laboratory examination, such as blood examination, urine examination, pathological diagnosis examination, routine physical examination, X-ray examination, CT fluoroscopy, MRI fluoroscopy, EKG examination and so on. For these examinations and services, people who join the medical insurance part B plan do not have to pay. At the same time, the elderly also enjoy the medical treatment of hospital outpatient service, but patients need to pay part of their own expenses when they see a doctor in hospital outpatient service. Old people who join the medical insurance plan can also enjoy disease prevention services provided by some medical institutions, such as bone examination every two years, blood examination for cardiovascular diseases every five years, rectal cancer examination, diabetes examination and annual prostate cancer examination. Annual influenza vaccination, glaucoma check-up, annual mammography for women, early cancer check-up every two years, etc. Some of these examinations and services are free of charge, while others require the elderly to pay part of their own expenses.
How much does it cost to participate in the medical insurance plan B?
Medical insurance plan B is not provided free of charge, and the monthly insurance premiums paid by individuals or families with different incomes will vary greatly. It is the basic situation that families with different incomes pay 20 10 of the premium of medical insurance plan B every month. The monthly premium paid by individuals with different incomes is basically between100 and $400.