医疗保险和. 医疗补助计划

• 2016年5月31日
• bet9九州体育登录线路
• 房地产 & 老法

The federal government is a massive entity, the true size of 哪一个 is up for debate. Depending on the source, the number of federal agencies has been reported to be as few as 60 and as many as 430. One agency whose existence is not in question is the Centers for 医疗保险 and 医疗补助计划 Services (CMS), 哪一个, among other responsibilities, oversees 医疗保险 and works with state governments to manage 医疗补助计划. These two similar-sounding public insurance programs are very different, 但 they have the same goal of providing medical and health-related services to certain groups of disadvantaged people.

医疗补助计划 delivers healthcare coverage to low-income families and individuals, 包括老年人, 父母, 孩子们, 孕妇, and people with disabilities. It is jointly funded by the cooperation of the state and federal governments, and it is tied to individual need. 医疗保险, 另一方面, delivers healthcare coverage to people over age 65 and certain disabled individuals. 医疗保险 is strictly a federal program that uses private insurance companies to assist with the high medical costs faced by older Americans who often are also dealing with a reduction in their ability to earn a living wage. In contrast to 医疗补助计划, 医疗保险 is not a means-tested program. 而不是, it is an entitlement program that people are eligible for because they paid into it through their Social Security taxes.

据估计 that 医疗补助计划 and the Children’s Health Insurance Program (designed to cover uninsured 孩子们 in families with incomes that are modest 但 too high to qualify for 医疗补助计划) provides health coverage to more than 31 million 孩子们, including half of all low-income 孩子们. Further, 医疗补助计划 finances about 40 percent of all U.S. births and provides health coverage to 11 million non-disabled adults, over 8.8 million individuals with disabilities, 4.6 million low-income seniors, and 3.7 million people with disabilities who are also enrolled in 医疗保险. Approximately 79 million U.S. 公民 预计将被录取 in 医疗补助计划 in the year 2023. 医疗保险提供了 health coverage to more than 49 million Americans, with enrollment expected to increase to 80 million by 2030.

The programs do overlap, 但 qualifying for one does not mean someone will qualify for the other. There are separate eligibility requirements for each, 但 there is no prohibition against being on them at the same time. 医疗保险 is designed to cover only a portion of healthcare costs, so dual-eligible recipients can get 医疗补助计划 assistance with some of the premiums, 免赔额, and copayments that 医疗保险 charges, and 医疗补助计划 can fill in other gaps that 医疗保险 won’t cover.

The amount of 医疗补助计划 coverage varies from state to state, 但, 在一般情况下, 医疗补助计划 provides inpatient and outpatient health care coverage, including coverage for prescription drugs, diagnostic and preventive care, 和眼镜.  医疗保险 coverage is the same in each state and is divided into parts. 医疗保险 hospital insurance (Part A) provides basic coverage for hospital stays and post-hospital nursing facility and 家庭保健. 医疗保险 medical insurance (Part B) pays most basic doctor and laboratory costs, and some outpatient medical services, including medical equipment and supplies, 家庭保健, 还有物理治疗. 医疗保险 prescription drug coverage (Part D) pays some of the costs of prescription medications.

医疗补助和医疗保险 are complicated programs. If you have any questions about this topic, including eligibility and computation of benefits, you can find out more by discussing it with one of the attorneys at Church, Langdon, Lopp, Banet Law. We have years of experience helping people, and we can help you. 总部位于 印第安纳州新奥尔巴尼, we proudly serve communities throughout Kentuckiana including, 但不限于, 弗洛伊德县, IN, 哈里森县, IN, 克拉克郡, 印第安纳州和杰斐逊县, KY. Contact us by calling (812) 725-8224 or through 我们的网上表格.