Kungani Kubaluleke Kangaka Ukuthola Odokotela Abemukela I-Medicare Eduze Kwakho

-Delile

• Kungani udokotela omkhethayo edinga ukuthatha iMedicare
• Ungamthola kanjani udokotela othatha iMedicare
• Uyini Udokotela Wokunakekela Okuyinhloko (PCP)?
• Ingabe uhlelo lwakho lwe-Medicare ludinga i-PCP?
• Okusemqoka

Lapho ukhetha uhlelo lweMedicare, into ebalulekile okufanele uyicabangele ukuthola odokotela abamukela iMedicare eduze kwakho. Akunandaba ukuthi ufuna umtholampilo, isibhedlela, udokotela omusha, noma uma nje ufuna ukugcina udokotela obukade umbona, ukuthola ukuthi ngubani othatha iMedicare kubalulekile. Konke kwenzelwa ukwenza ucwaningo oluncane ngaphambi kokuhlela ukuqokwa kwakho okulandelayo bese ubuza imibuzo efanele ekuvakasheni kwakho okulandelayo.

Qhubeka ufunda ukuze ufunde kabanzi ngokuthola udokotela owamukela iMedicare eduze kwakho nokuthi kungani kubalulekile.

Kungani udokotela omkhethayo edinga ukuthatha iMedicare

Vele, ungabona udokotela ongayemukeli iMedicare, kepha ungakhokhiswa inani eliphakeme ngokuvakasha kwakho kanye nanoma yiziphi izinsizakalo ozitholayo. Lokhu kusho ukuthi ukunakekelwa kwezempilo kwakho kungabiza kakhulu.

Ngokukhetha udokotela owemukela i-Medicare, uzoqinisekisa ukuthi ukhokhiswa inani okuxoxiswene ngalo nelamukelekayo. Ihhovisi likadokotela wakho nalo lizokhokhisa i-Medicare ngokuvakasha kwakho. Ezimweni eziningi, udokotela owamukela i-Medicare uzophinde alinde ukuzwa impendulo evela kwi-Medicare ngaphambi kokukucela ukuthi ukhokhe noma yikuphi umehluko wezindleko uma kufanele.

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Ungamthola kanjani udokotela othatha iMedicare

Kunezindlela ezimbalwa ezilula zokuthola udokotela owemukela uhlelo lwakho lwe-Medicare:

• Vakashela Udokotela Qhathanisa: I-Centers for Medicare & Medicaid Services (CMS) inethuluzi elikuvumela ukuthi ubheke odokotela abaseduze kwakho bese uliqhathanisa eceleni.
• Bheka iwebhusayithi ye-Medicare: Iwebhusayithi esemthethweni yeMedicare inezinsizakusebenza eziningi zokuthola abahlinzeki nezinsiza ezamukela iMedicare eduze kwakho. Isibonelo, ungathola futhi uqhathanise izibhedlela noma abanye abahlinzeki bese usesha ukuthi yiziphi izinsizakalo ezihlanganiswa uhlelo lwakho lwe-Medicare.
• Hlola uhlu lwakho lomhlinzeki wenkampani yomshuwalense: IMedigap neMedicare Advantage yizinhlelo zeMedicare ezinikezwa ngezinkampani zomshuwalense ezizimele. Ukuthola odokotela abamukela lezi zindlela zokumboza, kuzodingeka uhlole umhlinzeki wakho okhethiwe ukuthola uhlu.
• Bheka inethiwekhi yakho: Uma ukunikezwa kwakho kwe-Medicare kunikezwa ngomhlinzeki womshuwalense ngenethiwekhi yodokotela nezibhedlela, hlola nenkampani ukuze uqiniseke ukuthi udokotela wakho uku-network yabo Lokhu kungenziwa ngokushayela umhlinzeki wakho womshuwalense noma uhlole iwebhusayithi yabo.
• Buza abangani abathembekile namalungu omndeni: Uma unabangani noma amalungu omndeni asebenzisa iMedicare, babuze ngabahlinzeki babo bezokunakekelwa kwempilo. Unake kangakanani udokotela? Ngabe ihhovisi liyazisingatha izicelo zabo ngokushesha futhi kalula? Ingabe banamahora afanele?

Uyini Udokotela Wokunakekela Okuyinhloko (PCP)?

Udokotela Wokunakekelwa Okuyinhloko (PCP) ngudokotela ombona njalo. I-PCP yakho ngokuvamile ihlinzeka ngezinga lokuqala lokunakekelwa olitholayo, njengokuhlolwa, ukuqokwa okungekho okuphuthumayo, kanye nokuhlolwa okuvamile noma kwonyaka.

Abantu abaningi bakhetha ukuba ne-PCP ezinikele ukuze bahlale bazi ukuthi babona bani ngokuqokwa kwabo. Ukuba nodokotela osuvele uwazi umlando wakho nezinhloso zakho zempilo kungenza ama-aphoyintimenti azizwe esebenza kahle futhi enezithelo ngenkathi eqeda ukukhathazeka ngezinto ezimangazayo.

Ezinye izinkampani zomshuwalense ezizimele zingadinga amakhasimende ukuthi abe ne-PCP eyodwa okumele ivume futhi idlulisele kwabanye ochwepheshe noma izinqubo zokuhlola nokuhlola.

Ingabe uhlelo lwakho lwe-Medicare ludinga i-PCP?

Akuwona wonke amacebo e-Medicare adinga ukuthi ukhethe udokotela wokunakekelwa okuyisisekelo. Uma ukhetha ukungazikhawuli ehhovisi elilodwa nakudokotela oyedwa, lapho-ke ungaqhubeka nokubona abanye odokotela abemukela iMedicare.

Kodwa-ke, uma ujoyina i-Medicare HMO ngokusebenzisa uhlelo lwe-Medigap noma lwe-Medicare Advantage, kungadingeka ukuthi ukhethe i-PCP. Lokhu kungenxa yokuthi i-PCP yakho kungenzeka ibe nesibopho sokukudlulisela kuchwepheshe ukuze anakekelwe nge-HMO yakho.

Okusemqoka

Kubantu abaningi, ukuba nodokotela abamethembayo otholakala kalula kuyingxenye ebalulekile yokunakekelwa kwabo kwezempilo. Ngenkathi kuyisinyathelo esingeziwe, kubalulekile ukuqinisekisa ukuthi udokotela wakho uyakwamukela ukufakwa kwe-Medicare ukuqinisekisa ukuthi uthola okuningi kuzinzuzo zakho ze-Medicare.

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.

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