Ingabe Izinhlelo Zama-Medicare Advantage Zimboza Ukuhamba Komhlaba Wonke?

-Delile

• Ukutholakala kwangempela kwe-Medicare ngaphandle kwe-United States
• Ukusabalala kweMedicare Advantage ngaphandle kwe-United States
• Ukusabalala kweMedigap ngaphandle kwe-United States
• Yiziphi izinhlelo zeMedicare ezinganikeza ukumbozwa kohambo lwamazwe omhlaba ngo-2020?
• Omunye umshuwalense wokuhambela kwamanye amazwe
• Ngabe i-Medicare iyakusibekela uma uya ePuerto Rico?
• Ukuthatha

Uma sekuyisikhathi sokubhalisa kwi-Medicare, kunezinto eziningi okufanele uzicabangele. Izinhlelo zakho zokuhamba zesikhathi esizayo kufanele zibe ngomunye wazo. Uma ucabanga ukuvakasha kwamanye amazwe ngonyaka ozayo, kungathinta izinqumo zakho zomshuwalense wezempilo kanye nezinqumo ze-Medicare.

Medicare uqobo akunjalo ukumboza uhambo lwamazwe omhlaba. Kodwa-ke, ezinye izinhlelo zeMedicare Advantage (Ingxenye C) kungenzeka fakela izimo eziphuthumayo ezithile uma zenzeka ngaphandle kwase-United States. Ezimweni eziningi noma kunjalo, uzodinga umshuwalense wokuhamba ongeziwe.

Uma uhlela ukuphuma ezweni, kuwumqondo omuhle ukubuyekeza imininingwane ye-Medicare yakho yamanje noma izinhlelo zomshuwalense wezempilo wangasese ukuze uqiniseke ukuthi uyambozwa uma kunesimo esiphuthumayo.

Uma ungamboziwe ngohambo lwamazwe omhlaba, ungahlola ezinye izinketho zokusiza ukugcwalisa noma iziphi izikhala ekunikezelweni kwakho. Sizohlola izinketho zakho, kufaka phakathi izinhlelo zokwengeza ze-Medicare (Medigap), umshuwalense wabahambi besikhashana, noma ukumbozwa kwesikhathi eside nge-Medicare Advantage.

Ukutholakala kwangempela kwe-Medicare ngaphandle kwe-United States

I-Medicare ihlanganisa ukunakekelwa kwezempilo kwabaseMelika abaneminyaka engama-65 nangaphezulu. Uhlelo lukahulumeni lwehlukaniswe lwaba izingxenye ezine: A, B, C, no-D.

Awubhaliswanga ngokuzenzakalela kulezi zinhlelo - kufanele ubhalise ngezikhathi zokubhalisa. Ungakhetha izinhlelo ezinhle kakhulu zezidingo zakho zokunakekelwa kwezempilo.

Iningi labantu baseMelika libhalisela izingxenye zeMedicare A no-B. Ukuze ufanelekele okunye ukufakwa kweMedare, kufanele futhi ubhalise ezingxenyeni A no-B.

I-Medicare Part B empeleni iyindlela yokwelashwa yendabuko ehlanganisa ukunakekelwa kweziguli ezingalaliswanga. I-Medicare Part A ihlinzeka ngesibhedlela. Uma udinga ukumbozwa kwezidakamizwa kadokotela, lapho-ke ungacabanga ukubhalisela iMedicare Part D.

Ukusabalala kweMedicare Advantage ngaphandle kwe-United States

I-Medicare Advantage (Ingxenye C) kungenye indlela yokuthola ukutholakala kwakho kwe-Medicare. Ngokuya ngecebo olikhethayo, uhlelo lwakho lungafaka ukubonwa, ukuzwa, amazinyo, kanye nokusetshenziswa kwezidakamizwa kadokotela.

Izinhlelo zeMedicare Advantage ngokuvamile zikukhawulela kodokotela nasezikhungweni ze-Health Maintenance Organisation (HMO) noma i-Preferred Provider Organisation (PPO) futhi zingavikela ukunakekelwa ngaphandle kwenethiwekhi.

Ukuthenga uhlelo lweMedicare Advantage, kufanele ngabe usubhalisile ezingxenyeni zeMedicare A no-B. Coverage ngokusebenzisa uhlelo lweMedicare Advantage olunikezwa ngohlelo lomshwalense wangasese.

Izinhlelo ze-Medicare Advantage zinganikeza noma ukumbozwa okwengeziwe, njengalapho usohambweni.

Ayikho imithetho ebeka ukuthi ngabe i-Medicare Advantage izokhokha amaphesenti athile ezinkokhelo zesibhedlela sangaphandle.

Kubalulekile ukuthi uhlole umphathi wakho womshuwalense ngaphambi kokuthi uhambe ukuze wazi ukuthi uhlelo lwakho lomuntu luhlanganisa malini, uma kuziwa ezimweni eziphuthumayo zokunakekelwa kwezempilo emhlabeni jikelele.

Ukusabalala kweMedigap ngaphandle kwe-United States

IMedigap ngumshuwalense wokulekelela onikezwa ngohlelo lweMedicare. Ihlukile ezinhlelweni zeMedicare Advantage ngokuthi akunjalo ukumboza izinto ezinjengokunakekelwa kwesikhathi eside, ukubona, amazinyo, izinsiza-kuzwa, izibuko zamehlo, noma ubuhlengikazi bomsebenzi wangasese.

IMedigap ingenye inketho yomshuwalense wangasese ngaphakathi kweMedicare eyenzelwe ukusiza ukumboza izindleko ezinjengokudonswayo, ama-copay, nezinye izinsizakalo zezokwelapha ezingamboziwe ngezinye izingxenye zeMedicare.

Izinhlelo zeMedigap zinikeza ukumbozwa kokunakekelwa okuhlobene nezimo eziphuthumayo zezokwelapha ezenzeka ngenkathi ungaphandle kwe-United States. Lolu hlobo lomshuwalense luvame ukusetshenziselwa ukuhlinzeka ngembozo ngesikhathi sokuhambela amazwe omhlaba.

I-Medigap ingasiza futhi ukukhipha imali ekhishwa emalini ephezulu kanye nama-copay womshuwalense ngenkathi usohambweni. Eqinisweni, ngokuya ngohlelo olukhethayo, iMedigap ingafaka amaphesenti angama-80 ezimo eziphuthumayo zezokwelapha zomhlaba wonke uma usuhlangabezane nemali yakho yokudonswa futhi usuphakathi komkhawulo omkhulu wenqubomgomo yakho.

Yiziphi izinhlelo zeMedicare ezinganikeza ukumbozwa kohambo lwamazwe omhlaba ngo-2020?

Izinhlelo ze-Medicare Advantage zinganikela ngokutholakala okwengeziwe kwamazwe omhlaba ngoba zingabahlinzeki bemishwalense yangasese. Kodwa-ke, akuzona zonke izinhlelo ezinikeza ukumbozwa okufanayo.

Izinhlelo zeMedigap nazo zinikela ngokutholakala emhlabeni wonke Kufanele usuvele ubhalisile ezingxenyeni zeMedicare A no-B ukuze ufanelekele iMedigap. Njengoba iMedigap inikezwa ngezinkampani zomshuwalense ezizimele, inani lokutholakala kwezempilo emhlabeni jikelele, uma likhona, lizoya ngohlelo oluthile olithengayo.

Uma uhlela ukuhamba njalo, ungahle ufune ukukhokha ngaphezulu ngaphambi kohlelo lweMedicare Advantage noma iMedigap ukumboza izindleko kude nezwe lakho noma ngaphandle kwezwe.

• Qala kusenesikhathi. Qala ukuphenya izinketho zakho zohlelo lweMedicare ezinyangeni ezimbalwa ngaphambi uneminyaka engama-65.
• Qoqa imibhalo edingekayo. Okungenani, uzodinga ilayisense yakho yokushayela, ikhadi lokuphepha komphakathi, nesitifiketi sokuzalwa. Ungahle udinge ikhophi lefomu le-W-2 uma usasebenza.
• Qonda izidingo zakho zamanje zokunakekelwa kwezempilo. Yazi ukuthi ubona kangaki udokotela unyaka nonyaka, uthatha imishanguzo emingaki kadokotela, kanye nezidingo ezikhethekile zezokwelapha onazo.
• Yazi isabelomali sakho. Cabanga ukuthi ngabe ufuna ukusebenzisa imali ethe xaxa ukuthola izinzuzo ezingeziwe ezinikezwa uhlelo lweMedicare Advantage (Ingxenye C).
• Cabanga ngezinhlelo zakho zokuhamba. Uma uhlela ukuhamba kakhulu, cabanga ukumbozwa okungeziwe kweMedigap.

Omunye umshuwalense wokuhambela kwamanye amazwe

Uma usesabelomali, enye inketho ukuthola umshuwalense wabahambi abengeziwe. Lo akuwona umshuwalense wezokwelapha, kepha kunalokho uhlelo lwesikhashana olufaka izimo eziphuthumayo ngenkathi ungekho ezweni. Ungase futhi ukwazi ukuthenga umshuwalense wesikhathi esifushane ngokusebenzisa uhlelo lokuhamba.

Ukubanjwa ukuthi uzodinga ukuthenga ukumbozwa ngaphambi kwesikhathi sohambo oluthile. Awukwazi ukuthenga umshwalense wabahambi uma usuvele ushiye izwe.

Futhi, akuzona zonke izinhlelo ezengeziwe ezihlanganisa izimo ezazikhona ngaphambili. Uma unezimo zezempilo ezingamahlalakhona, qiniseka ukuthi ubuyekeza okungafakwa ngaphambi kokuthenga umshuwalense wokuhamba.

Ngabe i-Medicare iyakusibekela uma uya ePuerto Rico?

I-Puerto Rico iyindawo yase-U.S., Ngakho-ke uhlelo lwakho lwe-Medicare luzohlanganisa uhambo lwakho oluya esiqhingini. Izakhamizi zasePuerto Rico nazo ziyafaneleka ukuthola iMedicare.

Imithetho efanayo iyasebenza nakwezinye izindawo zase-U.S., Kufaka phakathi:

• I-American Samoa
• IGuam
• Iziqhingi zaseNyakatho Mariana
• Iziqhingi zase-U.S.Virgin

Ukuthatha

Uma uhamba, izinhlelo zeMedicare Advantage (Ingxenye C) zingaba nezinzuzo ngaphezu kwezingxenye zeMedicare A no-B kuwe. Kodwa-ke, njengoba lezi kuyizinhlelo zomshuwalense wangasese, iMedicare Advantage ayikhokhi ngokuzenzakalela izindleko ngesikhathi sokuvakasha kwamanye amazwe.

Kubalulekile ukubuyekeza inqubomgomo yakho ngaphambi kokuhamba futhi ucabangele ukumbozwa okungeziwe nge-Medigap noma ngomshwalense wabahambi uma ukhathazekile ngezindleko ezingaba khona zokunakekelwa kwezokwelapha ngenkathi ungekho ezweni.

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.