Ingabe i-Medicare izosiza ukukhokhela amazinyo akho okufakelwa?

-Delile

• Ayini amazinyo okufakelwa?
• Ngabe i-Medicare iwavala nini amazinyo okufakelwa?
• Yiziphi izinhlelo zeMedicare ezingaba ngcono uma wazi ukuthi udinga amazinyo okufakelwa?
• Ingxenye yeMedicare A
• Ingxenye yeMedare B
• I-Medicare Part C (i-Medicare Advantage)
• Ingxenye yeMedare D
• I-Medigap
• Yiziphi izindleko ezingaphandle kwesikhwama zamazinyo okufakelwa uma une-Medicare?
• Izikhathi zokugcina zokubhalisa ze-Medicare
• Izikhathi zokugcina ze-Medicare
• Okubalulekile

Njengoba sikhula, ukubola kwamazinyo nokulahleka kwamazinyo kuvame kakhulu kunokuba ungacabanga. Ngo-2015, abaseMelika babelahlekelwe okungenani izinyo elilodwa, futhi ngaphezu kokulahlekelwa wonke amazinyo abo.

Ukuphela kwamazinyo kungaholela kwezinye izinkinga zempilo, njengokungondleki kahle, ubuhlungu, nokwehlisa ukuzethemba. Isixazululo esisodwa amazinyo okufakelwa, angasiza ekuthuthukiseni impilo yakho ngezindlela eziningi, kufaka phakathi nokwenza ngcono ikhono lakho lokuhlafuna ukudla kwakho, ukusekela umhlathi wakho, ukugcina ubuqotho bobuso bakho, nokubuyisela ukumamatheka kwakho.

I-Original Medicare (Medicare Part A) ayihlanganisi izinsizakalo zamazinyo, okubandakanya imishini yamazinyo njengamazinyo okufakelwa; kodwa-ke, ezinye izinketho zokunakekelwa kwezempilo, njengeMedicare Advantage (Medicare Part C) nezinqubomgomo zomshwalense ezimele zodwa zingasiza ukumboza noma ukwehlisa izindleko zakho zokuphuma ephaketheni zamazinyo okufakelwa.

Ayini amazinyo okufakelwa?

Amazinyo okufakelwa yimishini yokufakelwa ethatha isikhundla samazinyo angekho. Amazinyo okufakelwa afakwa emlonyeni wakho, futhi angabuyisela amazinyo akho ambalwa alahlekile noma wonke amazinyo akho.

“Amazinyo okufakelwa” abhekisela kuphela emazinyweni enkohliso angafakwa emlonyeni wakho. Imvamisa, ziyasuswa. Amazinyo okufakelwa awafani nokufakelwa kwamazinyo, amabhuloho, imiqhele noma okokufaka izinyo.

Ngabe i-Medicare iwavala nini amazinyo okufakelwa?

Uma unesimo sempilo esidinga ukukhishwa kwamazinyo akho, i-Medicare ingahlinzeka ngokumbozwa kokukhishwa kwamazinyo. Kepha iMedicare yasekuqaleni ayikumbozi amazinyo okufakelwa kwanoma yiluphi uhlobo, nganoma yisiphi isizathu.

Uma ukhokhela uhlelo lwe-Medicare Part C (Medicare Advantage), uhlelo lwakho oluthile lunganikeza ukuhlinzekwa kokufakwa kwamazinyo, kufaka phakathi amazinyo okufakelwa. Uma une-Medicare Advantage, kuzodingeka ushayele umhlinzeki wakho womshuwalense ukuze aqinisekise ukuthi unokutholakala kwamazinyo okufakelwa. Buza ukuthi ngabe kunezinqubo ezithile okudingeka uhlangabezane nazo ukuze ufanelekele lokho kufakwa.

Yiziphi izinhlelo zeMedicare ezingaba ngcono uma wazi ukuthi udinga amazinyo okufakelwa?

Uma wazi ukuthi uzodinga amazinyo okufakelwa kulo nyaka, ungahle uthande ukubheka ukumbozwa kwakho kwezempilo kwamanje ukuze ubone ukuthi ungazuza yini ngokushintshela kunqubomgomo ye-Medicare Advantage. Izinqubomgomo zomshuwalense ezimele zamazinyo nazo zingasiza ekukhokheleni izindleko zamazinyo okufakelwa.

Ingxenye yeMedicare A

I-Medicare Part A (i-Medicare yasekuqaleni) ihlinzeka ngesibhedlela seziguli ezingalaliswayo. Uma unesimo sempilo esidinga ukukhishwa kwamazinyo okuphuthumayo esibhedlela, kungahlanganiswa ngaphansi kweMedicare Part A. Amazinyo okufakelwa noma ukufakelwa kwamazinyo okudingekayo ngenxa yalokhu kuhlinzwa akufakiwe kulokho kufakwa.

Ingxenye yeMedare B

I-Medicare Part B ihlanganisa ukuqokwa kukadokotela, ukunakekelwa kokuvikela, okokusebenza kwezokwelapha, kanye nezinqubo zokwelashwa kweziguli. Kodwa-ke, iMedicare Part B iyakwenza hhayi amboze izinsizakalo zamazinyo, njengokuhlolwa kwamazinyo, ukuhlanzwa, ama-X-ray, noma okokusebenza kwamazinyo njengamazinyo okufakelwa.

I-Medicare Part C (i-Medicare Advantage)

I-Medicare Advantage (Ingxenye C) uhlobo lokutholakala kwe-Medicare olunikezwa ngezinkampani zomshuwalense ezizimele. Lezi zinhlelo ziyadingeka ukumboza konke okuhlanganiswa yiMedicare. Kwesinye isikhathi, zihlanganisa ngaphezulu. Ngokuya ngohlelo lwakho, izinsizakalo zamazinyo zingambozwa futhi zingakhokha ezinye noma zonke izindleko zamazinyo akho okufakelwa.

Ingxenye yeMedare D

I-Medicare Part D ihlanganisa imishanguzo kadokotela. I-Medicare Part D idinga i-premium ehlukile yanyanga zonke futhi ayifakiwe kwi-Medicare yasekuqaleni. Ingxenye D ayinikeli ngezembozo zamazinyo, noma ingahle ifake imishanguzo yezinhlungu oyibekelwe ngemuva kokuhlinzwa ngomlomo.

I-Medigap

Izinhlelo zeMedigap, ezibizwa nangokuthi izinhlelo zokwengeza zeMedicare, zingakusiza ukuthi ulethe izindleko zomshuwalense weMedicare, ama-copay, nokwehliselwa phansi. Izinhlelo zeMedigap zingenza ukuba i-Medicare ishibhile, noma ngabe kufanele ukhokhe imali ekhokhwa nyangazonke yezinhlelo zokwengeza.

I-Medigap ayikhulisi ububanzi bokutholakala kwakho kwe-Medicare. Uma une-Medicare yendabuko, inqubomgomo yeMedigap ngeke iguqule lokho okukhokhela ephaketheni ngamazinyo okufakelwa.

I-Medicare ngokuvamile ayihlanganisi noma yiziphi izinsizakalo zamazinyo. Kunokuhluka okumbalwa okuphawulekayo:

• I-Medicare izokhipha izivivinyo zomlomo ezenziwe esibhedlela ngaphambi kokushintshwa kwezinso nokuhlinzwa kwe-valve yenhliziyo.
• I-Medicare izomboza ukukhishwa kwamazinyo nezinsizakalo zamazinyo uma kubonakala kudingekile ukwelapha esinye isimo, esingesona esamazinyo.
• I-Medicare izokhipha izinsizakalo zamazinyo ezidingekayo ngenxa yokwelashwa komdlavuza.
• I-Medicare izomboza ukuhlinzwa nokulungiswa komhlathi ngenxa yengozi ebuhlungu.

Yiziphi izindleko ezingaphandle kwesikhwama zamazinyo okufakelwa uma une-Medicare?

Uma une-Medicare yoqobo, ngeke ikhokhele noma yiziphi izindleko zamazinyo okufakelwa. Uzodinga ukukhokha zonke izindleko zamazinyo okufakelwa ephaketheni.

Uma unecebo leMedicare Advantage elibandakanya ukumbozwa kwamazinyo, lelo hlelo lingakhokhela ingxenye yezindleko zamazinyo okufakelwa. Uma wazi ukuthi udinga amazinyo okufakelwa, buyekeza izinhlelo ze-Advantage ezibandakanya amazinyo ukuze ubone ukuthi lokho kufakwa kwamazinyo kufaka phakathi amazinyo okufakelwa. Ungaxhumana nomhlinzeki womshuwalense nganoma yiluphi uhlelo lwe-Medicare Advantage ukuqinisekisa ukuthi yini ehlanganiswe uhlelo oluthile.

Amazinyo okufakelwa angabiza noma kuphi kusuka ku- $ 600 kuya ku- $ 8,000 kuya ngekhwalithi yamazinyo okufakelwa owakhethayo.

Uzodinga futhi ukukhokhela ukuqokwa kokufakelwa kwamazinyo kanye nanoma ikuphi ukulandelwa, ukuhlolwa kokuxilongwa, noma ama-aphoyintimenti angeziwe onawo nodokotela wamazinyo wakho. Ngaphandle kokuthi unomshuwalense ozimele wedwa wamazinyo ngaphezu kweMedicare noma unohlelo lweMedicare Advantage olubandakanya ukumbozwa kwamazinyo, konke lokhu kuphuma ephaketheni, nakho.

Uma uyilungu lenyunyana, inhlangano yobungcweti, inhlangano endala, noma inhlangano yabantu abadala, ungahle ufanelekele izaphulelo nodokotela wamazinyo wakho. Xhumana nodokotela wamazinyo wakho ukubuza nganoma ibuphi ubulungu noma izinhlelo zesaphulelo sekilabhu abangabamba iqhaza kuzo.

Uma ulinganisela izindleko zokunakekelwa kwakho kwamazinyo bese ukwehlukanisa ngo-12, unokulinganisela okunzima kokuthi ukunakekelwa kwakho kwamazinyo kukubiza malini ngenyanga. Uma ungathola ukumbozwa kwamazinyo okubiza okungaphansi kwaleyo mali, ungonga imali kumazinyo okufakelwa nakwizikhundla zamazinyo unyaka wonke.

Izikhathi zokugcina zokubhalisa ze-Medicare

Nazi izinsuku zokugcina ezibalulekile okufanele uzikhumbule ngeMedicare Advantage nezinye izingxenye zeMedicare:

Izikhathi zokugcina ze-Medicare

Okubalulekile

I-Original Medicare ngeke ihlanganise izindleko zamazinyo okufakelwa. Uma wazi ukuthi udinga amazinyo okufakelwa amasha ngonyaka ozayo, inketho yakho engcono ingashintshela ohlelweni lweMedicare Advantage olunikeza ukumbozwa kwamazinyo ngesikhathi sokubhaliswa kweMedarere esilandelayo.

Enye indlela ongayibheka ukuthenga umshwalense wangasese wamazinyo.

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.