Ingabe Izimo Zokuqala Zokusetshenziswa KwamaMedicare, iMedigap, neMedicare?

-Delile

• Ngabe izinhlelo zokwengeza zeMedicare zihlanganisa izimo ezikhona ngaphambili?
• Unganqatshelwa ukumbozwa kweMedigap?
• Ingabe i-Medicare Advantage ihlanganisa izimo ezikhona ngaphambili?
• Izinhlelo zeMedicare Advantage Special Needs
• Ukudla okudlela endlini

I-Original Medicare - efaka iNgxenye A (umshuwalense wesibhedlela) neNgxenye B (umshuwalense wezokwelapha) - ihlanganisa izimo ezazikhona.

I-Medicare Part D (umshuwalense wezidakamizwa kadokotela) izophinda ifake imishanguzo oyiphuzayo njengamanje yesimo sakho esivele sikhona.

Qhubeka ufunda ukuze ufunde kabanzi mayelana nokuthi yiziphi izinhlelo zeMedicare ezimboza izimo ezikhona, nokuthi yiziphi izimo ezingakuphika ukumbozwa kwakho.

Ngabe izinhlelo zokwengeza zeMedicare zihlanganisa izimo ezikhona ngaphambili?

Izinhlelo zokwengeza zeMedicare (izinhlelo zeMedigap) zinikezwa izinkampani ezizimele ezivunyelwe yiMedicare. Izinhlelo zeMedigap zihlanganisa ezinye zezindleko ezingakhokhelwa yiMedicare yoqobo, njengokudonswa kwemali, ukuqinisekiswa kwemali kanye nezinkokhelo.

Uma uthenga uhlelo lweMedigap ngesikhathi sakho sokubhalisa esivulekile, noma ngabe unesimo esivele sikhona, ungathola noma iyiphi inqubomgomo yeMedigap ethengiswa esifundazweni sakho. Awunakunqatshelwa ukumbozwa futhi uzokhokha inani elifanayo nelabantu ngaphandle kwesimo esivele sikhona.

Isikhathi sakho sokubhalisa esivulekile sokutholakala kweMedigap siqala ngenyanga uneminyaka engama-65 futhi / noma ubhalise kwi-Medicare Part B.

Unganqatshelwa ukumbozwa kweMedigap?

Uma ufaka isicelo sokutholakala kwe-Medigap ngemuva kwesikhathi sakho sokubhalisa esivulekile, ungahle ungahlangabezani nezimfuneko zokubhala phansi zezokwelapha futhi unganqatshwa ukumbozwa.

Ingabe i-Medicare Advantage ihlanganisa izimo ezikhona ngaphambili?

Izinhlelo zeMedicare Advantage (Medicare Part C) zinikezwa yizinkampani ezizimele ezivunyelwe yiMedicare. Lezi zinhlelo zihlanganiswe ukuze zifake i-Medicare Parts A no-B, imvamisa i-Medicare Part D, futhi imbozwe kaningi okufana namazinyo nombono.

Ungajoyina uhlelo lwe-Medicare Advantage uma unesimo esivele sikhona ngaphandle kokuthi leso simo esivele sikhona yisifo se-renal end (ESTD).

Izinhlelo zeMedicare Advantage Special Needs

Izinhlelo ze-Medicare Advantage Special Needs Plans (SNPs) zifaka iMedicare Parts A, B, ne-D futhi zitholakala kuphela kubantu abanezimo ezithile zezempilo ezifana nalezi:

• ukuphazamiseka komzimba: isifo se-celiac, i-lupus, i-rheumatoid arthritis
• umdlavuza
• ngokuqinisekile, kukhubaza izimo zempilo zokuziphatha
• isifo esingapheli senhliziyo
• ukuncika kwezidakamizwa okungapheli kanye / noma ukuphuza ngokweqile
• ukwehluleka kwenhliziyo okungapheli
• izifo ezingapheli zamaphaphu: i-asthma, i-COPD, i-emphysema, umfutho wegazi ophakeme wamaphaphu
• ukuwohloka komqondo
• isifo sikashukela
• isifo sesibindi sesigaba sokugcina
• isifo sesigaba sokugcina (ESRD) esidinga i-dialysis
• I-HIV / AIDS
• ukuphazamiseka kwe-hematological: i-vein thrombosis (i-DVT) ejulile, i-sickle cell anemia, i-thrombocytopenia
• ukuphazamiseka kwemizwa: isithuthwane, i-multiple sclerosis, isifo sika-Parkinson, i-ALS
• unhlangothi

Uma ufanelekela i-SNP futhi kunohlelo lwendawo olutholakalayo, ungabhalisa noma kunini.

Uma ungasafaneleki ukuthola i-Medicare SNP, ungashintsha ukumbozwa kwakho ngesikhathi sokubhalisa esikhethekile esiqala lapho waziswa yi-SNP yakho ukuthi awusafanelekile kuhlelo futhi uyaqhubeka izinyanga ezimbili ngemuva kokuphela kokufakwa.

Ukudla okudlela endlini

I-Original Medicare - Ingxenye A (umshuwalense wesibhedlela) neNgxenye B (umshuwalense wezokwelapha) - ihlanganisa izimo ebezikhona.

Uma unesimo esivele sikhona, cabanga ukubhalisela inqubomgomo ye-Medigap (Uhlelo lwe-Medicare supplement plan).

IMedigap inikeza isikhathi sokubhalisa esivulekile lapho ungeke unqatshelwe ukumbozwa, futhi uzokhokha inani elifanayo njengabantu ngaphandle kwemibandela ekhona. Unganqatshelwa ukumbozwa uma ubhalisa ngaphandle kwesikhathi sakho sokubhalisa esivulekile.

Uma ucabanga uhlelo lwe-Medicare Advantage, ngokuya ngesimo sakho esivele sikhona, ungaqondiswa ohlelweni lwe-Medicare Advantage Special Needs (SNP).

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.