Ngabe i-Medicare Cover Cover's Visits?

-Delile

• Ngabe iMedicare ikufaka nini ukuvakasha kodokotela?
• Yiziphi izingxenye zeMedicare ezimboza ukuvakasha kukadokotela?
• Ngabe iMedicare ayikuhlanganisi nini ukuvakashelwa kwezokwelapha?
• Ukuthatha

I-Medicare Part B ihlanganisa ukuvakashelwa kodokotela okunhlobonhlobo, kufaka phakathi ama-aphoyintimenti adingekayo kwezokwelapha nokunakekelwa kokuvikela. Kodwa-ke, lokho okungamboziwe kungakumangaza, futhi lezo zimanga zingafika nesikweletu esikhulu.

Nakhu okudingeka ukwazi mayelana nokumbozwa nezindleko - ngaphambi kokubhuka ukuvakasha kukadokotela wakho olandelayo.

Ngabe iMedicare ikufaka nini ukuvakasha kodokotela?

I-Medicare Part B ihlanganisa amaphesenti angama-80 ezindleko ezivunyelwe yi-Medicare zokuvakashelwa odokotela okudingekayo ngokwezempilo.

Lokhu kufaka phakathi izinsizakalo zeziguli ezingaphandle ozitholayo ehhovisi likadokotela wakho noma emtholampilo. Kubandakanya nezinsizakalo ezithile zeziguli esibhedlela. Ukuze uthole ukumbozwa, udokotela wakho noma umphakeli wezokwelapha kumele avunyelwe yi-Medicare futhi amukele isabelo.

I-Medicare Part B ibuye ihlanganise amaphesenti angama-80 wezindleko ezivunyelwe yi-Medicare zezinsizakalo zokuvimbela ozithola kudokotela wakho noma komunye umhlinzeki wezokwelapha. Lokhu kufaka ukuqokwa kwezempilo, njengokuhlolwa kwonyaka noma kwezinyanga eziyisithupha.

Imali yakho ekhishwayo yonyaka izodinga ukuhlangatshezwa ngaphambi kokuba iMedicare ihlanganise amaphesenti agcwele angama-80 wokuvakashelwa odokotela okudingekayo ngokwezempilo. Ngo-2020, ukukhishwa kweNgxenye B kungu- $ 198. Lokhu kubonisa ukukhuphuka kwe- $ 13 kusuka kumalini ekhishwa minyaka yonke ka- $ 185 ngo-2019.

Izinsizakalo zokuvimbela zizokhokhwa ngokugcwele yi-Medicare, noma ngabe ukudonswa kwemali kungakahlangatshezwa.

I-Medicare izofaka ukuvakasha kukadokotela uma udokotela wakho kungudokotela (MD) noma udokotela we-osteopathic medicine (DO). Ezimweni eziningi, zizobuye zinakekele ukunakekelwa okudingekayo kwezokwelapha noma kokuvikela okuhlinzekwa ngu:

• izazi zokusebenza kwengqondo
• osonhlalakahle basemitholampilo
• abelaphi emsebenzini
• izazi zolimi lwenkulumo
• abahlengikazi
• ochwepheshe bezokwelapha
• abasizi bodokotela
• abelaphi bomzimba

Yiziphi izingxenye zeMedicare ezimboza ukuvakasha kukadokotela?

IMedicare Part B ihlanganisa ukuvakasha kukadokotela. Kanjalo nezinhlelo zeMedicare Advantage, ezaziwa nangokuthi yiMedicare Part C.

I-Medigap yomshuwalense wokungezelela uhlanganisa ezinye, kodwa hhayi zonke, ukuvakasha kodokotela okungamboziwe yiNgxenye B noma Ingxenye C. Isibonelo, iMedigap izokhokhela ezinye izindleko ezihambisana nodokotela wezokwelapha noma we-podiatrist, kodwa ngeke ikwazi ukukhokhela i-acupuncture noma i-aphoyintimenti yamazinyo.

Ngabe iMedicare ayikuhlanganisi nini ukuvakashelwa kwezokwelapha?

I-Medicare ayihlanganisi izinsizakalo ezithile zezokwelapha ongazithatha njengokuzivikela noma ezidingekayo kwezokwelapha. Kodwa-ke, kwesinye isikhathi kukhona okuhlukile kulo mthetho.

Ngemibuzo mayelana nokutholakala kwakho kwe-Medicare, thintana nolayini wamakhasimende akwa-Medicare ku-800-633-4227, noma uvakashele iwebhusayithi yohlelo losizo lomshuwalense wezempilo (SHIP) noma ubashayele ku-800-677-1116.

Uma udokotela wakho enza uMedicare azi ukuthi ukwelashwa kuyadingeka kwezokwelapha, kungahlanganiswa kancane noma ngokugcwele. Kwezinye izimo, ungahle uthole izindleko ezengeziwe, ezingaphandle kwezikhwama zezokwelapha. Hlola njalo ngaphambi kokucabanga ukuthi i-Medicare izokhokha noma ngeke ikhokhe.

Ezinye izimo lapho i-Medicare engeke ikhokhele ukuqokwa kwezokwelapha zihlanganisa okulandelayo:

• I-Medicare ngeke imboze ama-aphoyintimenti nodokotela wezinyawo ngezinsizakalo ezijwayelekile ezifana nommbila noma ukususwa okungenangqondo noma ukusika uzipho.
• I-Medicare kwesinye isikhathi ihlanganisa izinsizakalo ezinikezwa ngudokotela wamehlo. Uma unesifo sikashukela, i-glaucoma, noma esinye isimo sezokwelapha esidinga izivivinyo zamehlo zonyaka, i-Medicare izovala lezo zikhundla. I-Medicare ayikubandakanyi ukuvakashelwa ngudokotela wamehlo ukuze kuguqulwe ushintsho kumuthi kadokotela we-eyeglass.
• I-Original Medicare (izingxenye A no-B) ayihlanganisi izinsizakalo zamazinyo, noma ezinye izinhlelo zeMedicare Advantage zenza. Uma uthola ukwelashwa okuphuthumayo kwamazinyo esibhedlela, Ingxenye A ingakhokha ezinye zalezo zindleko.
• I-Medicare ayihlanganisi imishanguzo ye-naturopathic, njenge-acupuncture. Ezinye izinhlelo ze-Medicare Advantage zinikeza ukumbozwa kokutholwa kokutholwa.
• I-Medicare izobheka kuphela izinsizakalo ze-chiropractic, njengokuxhaphaza umgogodla, ngesimo esaziwa ngokuthi i-spinal subluxation. Ukuze uqinisekise ukumbozwa, uzodinga ukuxilongwa okusemthethweni kusuka ku-chiropractor onelayisense futhi oqeqeshiwe. Izinhlelo zeMedicare Advantage zingahlanganisa izinsizakalo ezingeziwe ze-chiropractic.

Kungaba khona okunye ukuvakashelwa kwezokwelapha kanye nezinsizakalo i-Medicare engeke ikufake. Uma ungabaza, hlola njalo inqubomgomo yakho noma imininingwane yokubhalisa.

• Ukubhaliswa kokuqala: izinyanga ezintathu ngaphambi nangemva kosuku lwakho lokuzalwa lwama-65. Kufanele ubhalisele i-Medicare ngalesi sikhathi sezinyanga eziyi-7. Uma uqashiwe, ungabhalisela i-Medicare esikhathini esiyizinyanga eziyi-8 ngemuva kokuthatha umhlalaphansi noma ukushiya uhlelo lomshuwalense wezempilo weqembu lakho futhi usagwema izinhlawulo. Ngaphansi komthetho wenhlangano, ungabhalisela uhlelo lweMedigap noma kunini phakathi nezinyanga eziyi-6 eziqala nge-65 yakho^th usuku lokuzalwa.
• Ukubhaliswa okujwayelekile: Januwari 1 - Mashi 31. Uma uphuthelwa isikhathi sokuqala sokubhalisa, usengabhalisela i-Medicare nganoma yisiphi isikhathi ngalesi sikhathi. Kodwa-ke, ungakhokhiswa inhlawulo eqhubekayo yokubhalisa emuva kwesikhathi lapho izinzuzo zakho ziqala ukusebenza. Ngalesi sikhathi, ungashintsha noma uphonsa uhlelo lwakho lweMedicare Advantage bese ukhetha iMedicare yangempela esikhundleni salokho. Ungathola futhi uhlelo lweMedigap ngesikhathi sokubhaliswa okujwayelekile.
• Ukubhaliswa okuvulekile minyaka yonke: Okthoba 15 - Disemba 7. Ungenza ushintsho kuhlelo lwakho olukhona unyaka ngamunye ngalesi sikhathi.
• Ukubhaliswa kwezengezo ze-Medicare: Ephreli 1 - Juni 30. Ungangeza i-Medicare Part D noma uhlelo lwe-Medicare Advantage ekuhlanganisweni kwakho kwamanje kwe-Medicare.

Ukuthatha

I-Medicare Part B ihlanganisa amaphesenti angama-80 ezindleko zokuvakasha kukadokotela ukunakekelwa kokuvikela kanye nezinsizakalo ezidingekayo kwezokwelapha.

Akuzona zonke izinhlobo zodokotela ezihlanganisiwe. Ukuze uqinisekise ukumbozwa, udokotela wakho kufanele abe ngumhlinzeki ovunyelwe yi-Medicare. Bheka uhlelo lwakho noma ushayele ulayini wamakhasimende akwa-Medicare ku-800-633-4227 uma udinga imininingwane ethile yokumbozwa.

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.