Ngabe i-Medicare Iyawavala Amakhaya Abahlengikazi?

-Delile

• Ngabe iMedicare ikufaka nini ukunakekelwa kwasekhaya lasebekhulile?
• Yiziphi izingxenye zemedicare ezimboza ukunakekelwa kwasekhaya lasebekhulile?
• Ingxenye yeMedicare A
• Ingxenye yeMedare B
• Ngabe izinhlelo ze-Advantage zimboza noma iyiphi ingxenye yayo?
• Kuthiwani ngamaphilisi we-Medigap?
• Kuthiwani ngemithi yengxenye D?
• Yiziphi izinhlelo zeMedicare ezingaba ngcono kakhulu uma udinga ukunakekelwa kwamakhaya asebekhulile ngonyaka olandelayo?
• Liyini ikhaya labahlengikazi?
• Izinzuzo zokunakekelwa kwamakhaya asebekhulile
• Kubiza malini ukunakekelwa kwamakhaya asebekhulile?
• Okubalulekile

I-Medicare uhlelo lomshuwalense wezempilo walabo abaneminyaka engama-65 nangaphezulu (nangezimo ezithile zezokwelapha) e-United States.

Izinhlelo zihlanganisa izinsizakalo ezifana nokuhlala esibhedlela nezinsizakalo zeziguli ezingaphandle nokunakekelwa kokuvimbela. I-Medicare ingahlanganisa ukuhlala kwesikhashana ekhaya labahlengikazi lapho umuntu edinga ukunakekelwa okunamakhono.

Kodwa-ke, uma umuntu efuna ukuthuthela ekhaya labahlengikazi isikhathi eside, izinhlelo zeMedicare ngokuvamile ngeke zibhadale le ndleko.

Ngabe iMedicare ikufaka nini ukunakekelwa kwasekhaya lasebekhulile?

Ukuqonda ukuthi i-Medicare ihlanganisa ini ekhaya lasebekhulile, kwesinye isikhathi kungcono ukwazi ukuthi yini abangayimbozi. I-Medicare ayifihli ukunakekelwa ekhaya lasebekhulile lapho umuntu edinga ukunakekelwa kuphela. Ukunakekelwa kwezingane kubandakanya le misebenzi elandelayo:

• ukugeza
• ukugqoka
• ukudla
• eya endlini encane

Njengomthetho ojwayelekile, uma umuntu edinga ukunakekelwa okungadingi iziqu zokuhlinzeka, iMedicare ayihlanganisi insizakalo.

Manje ake sibheke ukuthi i-Medicare ihlanganisa ini.

I-Medicare ifaka ukunakekelwa kwabahlengikazi abanekhono esikhungweni sekhaya labahlengikazi, kepha kufanele uhlangabezane nezidingo ezimbalwa. Lokhu kufaka phakathi:

• Kufanele ube neMedicare Part A futhi usalelwe nezinsuku esikhathini sakho somhlomulo.
• Kufanele ngabe uqale waba nokuhlala esibhedlela okufanelekile.
• Udokotela wakho kufanele anqume ukuthi udinga ukunakekelwa kwabahlengikazi abanamakhono nsuku zonke.
• Kufanele uthole ukunakekelwa esikhungweni sabahlengikazi abanamakhono.
• Indawo lapho uthola khona izinsizakalo zakho kufanele iqinisekiswe yi-Medicare.
• Udinga izinsizakalo ezinamakhono zesimo sezokwelapha esihlobene nesibhedlela noma isimo esiqale ngenkathi usesikhungweni sabahlengikazi abanekhono ukuthola usizo ngesimo sokuqala, esihlobene nesibhedlela.

Kubalulekile futhi ukuqaphela ukuthi lokhu kunakekelwa kungokwesikhashana, hhayi ukunakekelwa kwesikhathi eside.

Imvamisa, i-Medicare Part A ingakhokha kuze kube yizinsuku eziyi-100 esikhungweni sabahlengikazi abanamakhono. Isikhungo sabahlengikazi abanamakhono kufanele samukele lowo muntu zingakapheli izinsuku ezingama-30 besukile esibhedlela, futhi kumele bamamukele ngokugula noma ukulimala lowo muntu abenakekelwa esibhedlela.

Yiziphi izingxenye zemedicare ezimboza ukunakekelwa kwasekhaya lasebekhulile?

I-Medicare imboza kuphela ukunakekelwa kwabahlengikazi abanekhono okwesikhashana ekhaya lasebekhulile. Qhubeka ufunde ngokuwohloka kwalokho uMedare angakumboza okuhlobene namakhaya asebekhulile.

Ingxenye yeMedicare A

Ezinye izinsizakalo i-Medicare Part A ingafaka endaweni yekhaya labahlengikazi ifaka phakathi:

• ukwelulekwa ngokudla nezinsizakalo zokudla
• izinto zokwelashwa nemishini
• imithi
• ukudla
• ukwelashwa emsebenzini
• ukwelashwa ngokomzimba
• igumbi elizimele
• ukunakekelwa kwabahlengikazi abanamakhono, njengokushintshwa kokugqoka amanxeba
• izinsizakalo zomsebenzi wezenhlalakahle ezihlobene nokunakekelwa kwezempilo okudingekayo
• izifo zolimi lokukhuluma

I-Medicare ingabuye ihlanganise into ebizwa ngokuthi "izinsizakalo zombhede wokuguqula." Yilapho umuntu ethola ukunakekelwa okunekhono esibhedlela sabagula kakhulu.

Ingxenye yeMedare B

I-Medicare Part B yingxenye yeMedicare ekhokhela izinsizakalo zokugula, njengokuvakasha kukadokotela nokuhlolwa kwezempilo. Le ngxenye yeMedicare ayijwayelekile ukumboza ukuhlala emakhaya asebekhulile.

Ngabe izinhlelo ze-Advantage zimboza noma iyiphi ingxenye yayo?

Izinhlelo ze-Medicare Advantage (ezibizwa nangokuthi i-Medicare Part C) azivamisile ukunakekela ukunakekelwa kwamakhaya asebekhulile okubhekwa njengokunakekelwa kwabantwana. Kukhona okuhlukile okumbalwa, kufaka phakathi uma uhlelo lomuntu lunenkontileka nekhaya elithile labahlengikazi noma inhlangano esebenza emakhaya asebekhulile.

Ngaso sonke isikhathi thintana nomhlinzeki wohlelo lwakho ngaphambi kokuya ekhaya elithile labahlengikazi ukuze uqonde ukuthi yiziphi izinsizakalo futhi azikho ngaphansi kohlelo lwakho lwe-Medicare Advantage.

Kuthiwani ngamaphilisi we-Medigap?

Izinhlelo zokungezelela zeMedigap zithengiswa izinkampani zomshuwalense ezizimele futhi zisiza ukumboza izindleko ezingeziwe, ezinjengokudonswayo

Ezinye izinhlelo zeMedigap zingasiza ukukhokhela umshuwalense osebenza kahle wabahlengikazi. Lokhu kufaka phakathi izinhlelo C, D, F, G, M, no-N.Icebo K likhokhela cishe amaphesenti angama-50 we-coinsurance futhi i-Plan L ikhokhela amaphesenti angama-75 e-coinsurance.

Kodwa-ke, izinhlelo zokwengeza zeMedigap azikhokhi ukunakekelwa kwasekhaya isikhathi eside.

Kuthiwani ngemithi yengxenye D?

I-Medicare Part D iwukusetshenziswa kwezidakamizwa kadokotela okusiza ukukhokhela konke noma ingxenye yemithi yomuntu.

Uma umuntu ehlala ekhaya lasebekhulile, ngokuvamile bazothola imiyalo yabo ekhemisi lokunakekelwa lesikhathi eside elihlinzeka ngemithi kulabo abasezikhungweni zokunakekelwa zesikhathi eside njengekhaya labahlengikazi.

Kodwa-ke, uma usesikhungweni esinamakhono sithola ukunakekelwa kwabahlengikazi abanekhono, iMedicare Part A izomboza imiyalo yakho ngalesi sikhathi.

Yiziphi izinhlelo zeMedicare ezingaba ngcono kakhulu uma udinga ukunakekelwa kwamakhaya asebekhulile ngonyaka olandelayo?

Iningi lezinhlelo zeMedicare ngeke lihlanganise ukunakekelwa kwamakhaya asebekhulile. Okuhlukile kungabandakanya uma uthenga uhlelo lweMedicare Advantage ngesivumelwano esithile nekhaya labahlengikazi. Futhi, lokhu kuvame ukwehluka, hhayi umthetho, futhi izinketho ezitholakalayo ziyahluka ngokwendawo.

Uma wena noma othandekayo kungadingeka ushintshele ekunakekelweni kwamakhaya asebekhulile isikhathi eside, kunezinketho ngaphandle kweMedicare ezingasiza ukukhokha ezinye izindleko. Lokhu kufaka phakathi:

• Umshuwalense wokunakekelwa kwesikhathi eside. Lokhu kungasiza ukukhokha zonke noma ingxenye yezindleko zasekhaya lasebekhulile. Abantu abaningi bazothenga lezi zinqubomgomo besebancane, njengaseminyakeni engama-50, njengoba amaphrimiyamu ngokuvamile enyuka ezindlekweni njengoba umuntu esemdala.
• I-Medicaid. IMedicaid, uhlelo lomshuwalense olusiza ukumboza izindleko zalabo abasemakhaya ahola kancane, inezinhlelo zombuso nezikazwelonke ezisiza ukukhokhela ukunakekelwa kwamakhaya asebekhulile.
• Ukuphathwa kwamaVeterans. Labo abasebenza ebusosheni bangakwazi ukuthola usizo lwezezimali ngezinsizakalo zokunakekelwa zesikhathi eside ngoMnyango Wezilwane Zase-United States.

Abanye abantu bangathola ukuthi badinga izinsizakalo zeMedicaid ngemuva kokuqeda izinsiza zabo zezezimali ekukhokheleni ukunakekelwa kwesikhathi eside. Ukuthola kabanzi mayelana nokuthi ungafaneleka kanjani, vakashela inethiwekhi Yezinhlelo Zomshuwalense Wezempilo Kahulumeni.

Liyini ikhaya labahlengikazi?

Ikhaya labahlengikazi liyindawo lapho umuntu engathola khona usizo lokunakekelwa okwengeziwe kubahlengikazi noma abasizi babahlengikazi.

Eziningi zalezi zakhiwo kungaba ngamakhaya noma amafulethi abantu abadinga ukunakekelwa okwengeziwe ngemisebenzi yabo yansuku zonke noma abangasafuni ukuhlala bodwa. Ezinye zifana nezibhedlela noma amahhotela anamakamelo anemibhede namabhavu nezindawo ezivamile zamakilasi, ezokungcebeleka, zokudla nezokuphumula.

Amakhaya amaningi asebekhulile ahlinzeka ukunakekelwa ubusuku nemini. Izinsizakalo zingahluka, kepha zingafaka usizo lokuya endlini yangasese, usizo lokuthola imithi, nezinsizakalo zokudla.

Izinzuzo zokunakekelwa kwamakhaya asebekhulile

• Ukunakekelwa kwasekhaya lasebekhulile kuvame ukuvumela umuntu ukuthi aphile ngokuzimela ngaphandle kokuthi ahlanganyele emisebenzini yesondlo sasekhaya, njengokugunda utshani noma ukugcinwa kwekhaya.
• Amakhaya amaningi asebekhulile ahlinzeka ngemisebenzi yezenhlalo evumela abantu ukuthi baxhumane nabanye futhi bagcine ubungani neminye imisebenzi.
• Ukuba nekhono lokuthola izinsizakalo zabahlengikazi ezidingekayo nokuba nabasebenzi abaqeqeshiwe ukubheka umuntu kunganikeza umuzwa wenduduzo kumuntu nomndeni wakhe.

Kubiza malini ukunakekelwa kwamakhaya asebekhulile?

Inhlangano yezezimali uGenworth ilandelele izindleko zokunakekelwa ezikhungweni zabahlengikazi ezinamakhono nasemakhaya asebekhulile kusukela ngo-2004 kuya ku-2019.

Bathola izindleko ezijwayelekile zika-2019 zekamelo elizimele ekhaya labahlengikazi zingama- $ 102,200 ngonyaka, okuwukukhuphuka kwamaphesenti angama-56.78 kusuka ngo-2004.

Ukunakekelwa kwamakhaya asebekhulile kuyabiza - lezi zindleko zifaka ukunakekelwa kweziguli eziya ngokuya zigula, ukushoda kwabasebenzi, kanye nemithetho emikhulu ekhulisa izindleko konke okubangela izindleko ezikhuphukayo.

Uma unothandekayo ofinyelela eminyakeni engama-65, nazi izeluleko zokuthi ungabasiza kanjani babhalise:

• Ungaqala inqubo ezinyangeni ezintathu ngaphambi kokuba othandiweyo wakho abe neminyaka engama-65. Ukuqala kusenesikhathi kungakusiza ukuthi uphendule imibuzo edingekayo futhi ukhiphe ingcindezi kule nqubo.
• Xhumana Nokuphathwa Kwezokuphepha Komphakathi wangakini noma uthole indawo ngokuvakashela iwebhusayithi yabo esemthethweni.
• Vakashela i-Medicare.gov ukuthola ngezinhlelo ezitholakalayo zezempilo nezidakamizwa.
• Khuluma nabangani bakho namanye amalungu omndeni okungenzeka ukuthi adlule kwinqubo efanayo. Bangakunika amathiphu ngalokho abakufundile ngenqubo yokubhalisela i-Medicare nokukhetha izinhlelo zokwengeza, uma kusebenza.

Okubalulekile

I-Medicare Part A ingabhekela ukunakekelwa kwabahlengikazi abanamakhono endaweni yabahlengikazi, ukuhlinzeka umuntu ngokuhlangabezana nezidingo ezithile.

Uma wena noma othandekayo ufisa noma udinga ukuhlala ekhaya labahlengikazi isikhathi eside ukuthola ukunakekelwa nokunakekelwa nezinye izinsizakalo, kuzodingeka ukuthi ukhokhe ephaketheni noma usebenzise izinsizakalo ezinjengomshuwalense wokunakekelwa kwesikhathi eside noma iMedicaid .

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.