Ingabe I-Medicare Iyakufihla Ukuhlinzwa?

-Delile

• Ukutholakala kwemithi ngokuhlinzwa emuva
• I-Medicare Part A (umshuwalense wesibhedlela)
• I-Medicare Part B (umshuwalense wezokwelapha)
• Kubiza malini ukuhlinzwa emuva nge-Medicare?
• Izibonelo zezindleko zokuhlinzwa emuva
• Ngabe i-Medicare ihlanganisa zonke izinhlobo zokuhlinzwa emuva?
• Ukudla okudlela endlini

Uma ukuhlinzwa kwakho emuva kubonakala kudingekile ngokwezokwelapha ngudokotela, i-Medicare yasekuqaleni (Ingxenye A neNgxenye B) izoyimboza.

Uma uzwa ubuhlungu beqolo, khuluma nodokotela wakho mayelana nokwelashwa okunconyiwe okungafaka:

• ukuxilonga
• imithi
• ukwelashwa ngokomzimba
• ukuhlinzwa

Bangakwazisa ukuthi kungani bezwa ukuthi lezi zinqubo ziyadingeka futhi uma zimbozwe yiMedicare.

Ukutholakala kwemithi ngokuhlinzwa emuva

Ukutholakala kwe-Medicare ngokuhlinzwa emuva kuvame ukubukwa kwezibuko kokunye ukuhlinzwa okudingekayo kwezokwelapha, ukuhlala esibhedlela, nokulandelwa.

I-Medicare Part A (umshuwalense wesibhedlela)

Ingxenye yeMedicare A ihlanganisa ukunakekelwa kwezibhedlela ezingalaliswanga, inqobo nje uma:

• isibhedlela samukela iMedicare
• uyangeniswa ngokomyalelo kadokotela osemthethweni okhombisa ukuthi udinga ukunakekelwa kwezibhedlela ezingalaliswayo

Ungadinga ukuvunyelwa ukuhlala kwakho esibhedlela kusuka eKomidini Lokubuyekeza Ukusetshenziswa kwesibhedlela.

Ukuhlinzekwa kokunakekelwa esibhedlela kwe-Medicare kuhlanganisa:

• amakamelo angasese (igumbi elizimele kuphela uma kunesidingo sezempilo)
• ubuhlengikazi obujwayelekile (hhayi ubuhlengikazi bomsebenzi wangasese)
• ukudla
• izidakamizwa (njengengxenye yokwelashwa kweziguli)
• izinsizakalo ezijwayelekile zesibhedlela nempahla (hhayi izinto zokunakekelwa komuntu siqu njengamasokisi ashelelayo noma izinsingo)

I-Medicare Part B (umshuwalense wezokwelapha)

Ingxenye yeMedare B ihlanganisa izinsizakalo zikadokotela wakho ngesikhathi sokuhlala kwakho esibhedlela kanye nezinsizakalo zeziguli ezilaliswayo kulandela ukuphuma kwakho esibhedlela.Omunye umshuwalense, ezinjengeMedicare Supplement plans (Medigap), Medicare Part D (umuthi kadokotela), noma izinhlelo zeMedicare Advantage ziyatholakala kuwe lapho ufanelekela ukuthola iMedicare.

Uma unalolu hlobo lomshuwalense owengeziwe kanye neMedicare, kuzothinta intengo oyikhokhayo ngokuhlinzwa kwakho emuva nokubuyiselwa.

Kubiza malini ukuhlinzwa emuva nge-Medicare?

Kunzima ukuthola izindleko eziqondile ngaphambi kokuhlinzwa emuva, ngoba imininingwane yamasevisi ongawadinga aziwa. Isibonelo, ungahle udinge usuku olungeziwe esibhedlela ngaphezu kwalokho obekubikezelwe.

Ukulinganisa izindleko zakho:

• Buza udokotela nesibhedlela sakho ukuthi bacabanga ukuthi kuzodingeka ukhokhe malini ngokuhlinzwa kwakho nokunakekelwa kokulandelela. Hlola ukubona ukuthi ngabe kunezinsizakalo ezinconywayo yini ukuthi i-Medicare ayihlanganisi.
• Uma unenye imishwalense, njengenqubomgomo yeMedigap, xhumana nabo ukuze ubone ukuthi iyiphi ingxenye yezindleko abazoyikhokha nokuthi bacabanga ukuthi kuzodingeka ukhokhe ini.
• Hlola i-akhawunti yakho ye-Medicare (MyMedicare.gov) ukuze ubone ukuthi ngabe uhlangane yini nemali yakho edonswayo engxenye A nengxenye B.

Leli thebula linikeza isibonelo sezindleko ezingaba khona:

I-Medicare Part A coinsurance yi- $ 0 ngezinsuku 1 kuya ku-60 ngenzuzo ngayinye.

Izibonelo zezindleko zokuhlinzwa emuva

Iwebhusayithi ye-Medicare.gov yenza amanani entengo yenqubo ethile atholakale. Lezi zintengo azibandakanyi imali yodokotela futhi zisekelwe kuma-Medicare kazwelonke avela ku-2019.

Leli thebula lingakunika inkomba yokuthi yini ongase uyikhokhele ezinye zezinsizakalo ezibandakanyeka kunqubo yokuhlinzwa emhlane wakho.

Ngabe i-Medicare ihlanganisa zonke izinhlobo zokuhlinzwa emuva?

Yize iMedicare imboza ukuhlinzwa okudingekayo ngokwezempilo, hlola udokotela wakho ukuze uqiniseke ukuthi iMedicare ihlanganisa uhlobo lokuhlinzwa abaluncomayo.

Izinhlobo ezijwayelekile zokuhlinzwa emuva zifaka:

• i-diskectomy
• umgogodla we-laminectomy / decompression yomgogodla
• i-vertebroplasty ne-kyphoplasty
• ukucindezelwa kwediski ye-nucleoplasty / plasma
• foroutho
• ukuhlangana komgogodla
• amadiski okufakelwa

Ukudla okudlela endlini

Uma udokotela wakho ekhombisa ukuthi ukuhlinzwa emuva kuyadingeka ngokwezokwelapha kuwe, imvamisa kuzombozwa yi-Medicare yasekuqaleni (Ingxenye A noNgxenye B).

Ukunquma ukuthi ukuhlinzwa emuva kuzokubiza malini ngemuva kokukhokha kwe-Medicare kunzima ngoba izinsiza ozozifinyelela azaziwa.

Udokotela nesibhedlela sakho kufanele bakwazi ukunikeza izilinganiso ezithile ezifundisiwe.

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.