Ngabe i-Medicare Cover Cover Mobility Scooter?

-Delile

• Yiziphi izingxenye zeMedicare ezimboza ukuhamba ngezikuta?
• Ukutholakala kwe-Medicare Part B yama-scooter
• Ukutholakala kwe-Medicare Part C yama-scooter
• Ukuhlanganiswa kweMedigap kwezikuta
• Ngikufanele yini ukuthola usizo lokukhokhela isithuthuthu?
• Ukuthola incwadi kadokotela wesikuta
• Imigomo okufanele nihlangane nayo
• Izindleko nokubuyiselwa kwemali
• Ukuthatha

• Izikuta zokuhamba zingambozwa kancane ngaphansi kwe-Medicare Part B.
• Izidingo zokufaneleka zifaka ukubhaliswa kwi-Medicare yasekuqaleni nokuba nesidingo sezempilo sesikuta esisendlini.
• Isikuta sokuhamba kumele sithengwe noma siqashwe kumhlinzeki ovunyelwe yi-Medicare kungakapheli izinsuku ezingama-45 ubonile udokotela wakho.

Uma wena noma othandekayo ukuthola kunzima ukuzulazula ekhaya, usenkampanini enhle. Okungenani bika ukuthi udinga futhi usebenzise idivaysi yokuhamba, njengesikuta esihlanganisiwe.

Uma ubhalise kwi-Medicare futhi uhlangabezana nezidingo ezithile, izindleko ezilinganiselwe zokuthenga noma zokuqasha isithuthuthu sokuhamba zingakhokhwa yi-Medicare Part B.

Yiziphi izingxenye zeMedicare ezimboza ukuhamba ngezikuta?

I-Medicare yakhiwa izingxenye A, B, C, D, neMedigap.

• I-Medicare Part A iyingxenye ye-Medicare yasekuqaleni. Ibandakanya izinsizakalo zezibhedlela ezingalaliswanga, ukunakekelwa kwe-hospice, ukunakekelwa kwezindawo zabahlengikazi, nezinsizakalo zokunakekelwa kwezempilo ekhaya.
• I-Medicare Part B nayo iyingxenye ye-Medicare yasekuqaleni. Ibandakanya izinsizakalo nezidingo ezidingekayo kwezokwelapha. Iphinde ihlanganise ukunakekelwa kokuvikela.
• I-Medicare Part C ibizwa nangokuthi i-Medicare Advantage. Ingxenye C ithengwa kumshwalense wangasese. Ifaka yonke into eyenziwa u-A no-B, kepha ifaka phakathi ukumbozwa okwengeziwe kwemithi kadokotela, yamazinyo, eyezwayo, neyokubona. Izinhlelo ze-Part C ziyehluka ngokwalokho ezikufakayo nezindleko.
• I-Medicare Part D iwukusetshenziswa kwezidakamizwa kadokotela. Kunezinhlelo eziningi ezitholakala ezinkampanini zomshuwalense ezizimele. Izinhlelo zinikeza uhlu lwemithi ehlanganisiwe nokuthi ibiza malini, eyaziwa njenge-formulary.
• I-Medigap (i-Medicare Supplemental Insurance) ngumshuwalense wokungezelela othengiswa ngabashuwalense abazimele. I-Medigap isiza ukukhokhela ezinye zezindleko ezingaphandle kwe-pocket ezivela ezingxenyeni A no-B, ezinjengokudonswa kwemali, ama-copay kanye ne-coinsurance.

Ukutholakala kwe-Medicare Part B yama-scooter

I-Medicare Part B ihlanganisa izindleko ezingaphelele noma imali yokuqasha yamadivayisi wokuhamba ngamandla (ama-PMD), njengama-scooter ahlanganisiwe, nezinye izinhlobo zemishini yezokwelapha eqinile (i-DME), kufaka phakathi izihlalo ezinamasondo ezihamba ngesandla.

Ingxenye B ikhokhela amaphesenti angama-80 engxenye evunyelwe yi-Medicare yezindleko zesikuta, ngemuva kokuhlangana neNgxenye B yakho ekhishwe minyaka yonke.

Ukutholakala kwe-Medicare Part C yama-scooter

Izinhlelo zeMedicare Part C nazo zihlanganisa i-DME. Amanye amapulani abuye ahlanganise izihlalo ezinamasondo ezihamba ngezimoto. Izinga lokufakwa kwe-DME olithola ngohlelo lwengxenye C lingahluka. Ezinye izinhlelo zinikeza izaphulelo ezibalulekile, kepha ezinye azenzi njalo. Kubalulekile ukuhlola uhlelo lwakho ukuthola ukuthi yini ongalindela ukuyikhokha ephaketheni lakho ukuthola isithuthuthu.

Ukuhlanganiswa kweMedigap kwezikuta

Izinhlelo zeMedigap zingasiza futhi ekuhlanganisweni kwezindleko ezingaphandle kwezikhwama, njengeMedicare Part B yakho ekhishwayo. Izinhlelo zomuntu ngamunye ziyahlukahluka, ngakho-ke qiniseka ukuhlola kuqala.

Ukuze izindleko zesikuta sakho zimbozwe, kufanele uzithole kumhlinzeki ovunyelwe yi-Medicare owamukela isabelo. Uhlu lwabaphakeli abavunyelwe yi-Medicare lungatholakala lapha.

Ngikufanele yini ukuthola usizo lokukhokhela isithuthuthu?

Kufanele ubhalise kwi-Medicare yasekuqaleni futhi uhlangabezane nezidingo ezithile zokufaneleka kwe-PMD ngaphambi kokuthi i-Medicare izosiza ukukhokhela isithuthuthu sakho.

Ama-Scooter avunywa kuphela yi-Medicare uma udinga i-scooter ukuze uzungeze ekhaya lakho. I-Medicare ngeke ikhokhele isihlalo esinamasondo esinamandla noma isithuthuthu esidingeka kuphela kwimisebenzi yangaphandle.

Ukuthola incwadi kadokotela wesikuta

I-Medicare idinga ukuhlangana ubuso nobuso nodokotela wakho. Qiniseka ukuthi udokotela wakho uyayemukela iMedicare.

Ekuvakasheni, udokotela wakho uzohlola isimo sakho sezempilo bese ekunika i-DME, uma kudingeka. Umuthi kadokotela wakho ubizwa ngawo njenge-oda lezinto eziyisikhombisa, elitshela abakwaMedicare ukuthi isikuta siyadingeka kwezokwelapha.

Udokotela wakho uzothumela i-oda lezinto eziyisikhombisa kwi-Medicare ukuze ivunyelwe.

Imigomo okufanele nihlangane nayo

Kufanele kuthi isikuta siyadingeka kwezokwelapha ukuthi sisetshenziswe ekhaya lakho, ngoba unokuhamba okulinganiselwe futhi uhlangabezana nazo zonke izindlela ezilandelayo:

• unesimo sempilo esenza kube nzima kakhulu kuwe ukuzungeza ngaphakathi kwekhaya lakho
• awukwazi ukwenza imisebenzi yokuphila yansuku zonke, njengokusebenzisa indlu yangasese, ukugeza nokugqoka, ngisho noma uhamba ngezinyawo, induku, noma izinduku
• ungasebenzisa ngokuphepha idivayisi ehlanganisiwe futhi unamandla anele okuhlala phezu kwayo futhi usebenzise izilawuli zayo
• uyakwazi ukwehla uphinde ucishe isithuthuthu ngokuphepha: uma kungenjalo, kufanele uhlale unomuntu ozokusiza futhi aqinisekise ukuphepha kwakho
• ikhaya lakho lingafaka ukusetshenziswa kwesithuthuthu: isibonelo, isikuta sizolingana endlini yakho yokugezela, eminyango yakho, nasemaphaseji

Kufanele uye kumhlinzeki we-DME owemukela iMedicare. I-oda lezinto eziyisikhombisa elivunyiwe kufanele lithunyelwe kumhlinzeki wakho kungakapheli izinsuku ezingama-45 ukuvakashelwa kwakho udokotela ubuso nobuso.

Izindleko nokubuyiselwa kwemali

Ngemuva kokuthi ukhokhe i-Part B yakho ekhishwe ngo- $ 198 ngo-2020, i-Medicare izofaka amaphesenti angama-80 ezindleko zokuqasha noma ukuthenga isithuthuthu. Amaphesenti angama-20 asele kungumsebenzi wakho, noma ungahlanganiswa ezinye izinhlelo zeCart C noma zeMedigap.

Ukugcina izindleko ziphansi futhi uqiniseke ukuthi i-Medicare ikhokha ingxenye yayo ku-scooter yakho, kufanele usebenzise umphakeli ovunyelwe yi-Medicare owemukela isabelo. Uma ungakwenzi lokho, umphakeli angakukhokhisa inani eliphakeme kakhulu, ozoba nesibopho ngalo.

Buza ngokubamba iqhaza kwe-Medicare ngaphambi kokuzibophezela ekuthengeni isithuthuthu.

Umhlinzeki ovunyelwe yi-Medicare uzothumela inkokhelo yesikuta sakho ngqo ku-Medicare. Kodwa-ke, kungadingeka ukuthi ukhokhe zonke izindleko ngaphambili bese ulinda iMedicare ukuthi ikubuyisele amaphesenti angama-80 wezindleko zesikuta.

Uma uthatha isinqumo sokuqasha isithuthuthu, abakwaMedicare bazokhokha njalo ngenyanga egameni lakho uma nje isikuta sidingeka ngokwezempilo. Umphakeli kufanele eze ekhaya lakho azothatha isithuthuthu lapho isikhathi sokuqasha siphela.

Nalu uhlu lwezinyathelo zokukusiza ukuthi umboze isithuthuthu sakho nasekhaya lakho:

1. Faka isicelo bese ubhalisa kwi-Medicare yoqobo (izingxenye A no-B).
2. Yenza i-aphoyintimenti nodokotela ovunyelwe yi-Medicare wokuvakashelwa ubuso nobuso ukuqinisekisa ukufaneleka kwakho kwe-scooter.
3. Cela udokotela wakho athumele i-oda ebhaliwe kwi-Medicare ekhombisa ukufaneleka kwakho kanye nesidingo se-scooter.
4. Nquma ukuthi uluphi uhlobo lwesithuthuthu osidingayo futhi uma ukhetha ukuqasha noma ukuthenga.
5. Bheka umhlinzeki we-DME ovunyelwe yi-Medicare owemukela isabelo lapha.
6. Uma ungeke ukwazi ukukhokhela izindleko zesikuta, shayela ihhovisi langakini leMedicare noma iMedicaid ukunquma ukufaneleka kwakho ezinhlelweni zokonga zeMedicare ezingasiza.

Ukuthatha

Abamukeli abaningi beMedicare banenkinga yokuhamba ekhaya. Lapho umoba, izinduku, noma i-walker kunganele, isithuthuthu sokuhamba singasiza.

I-Medicare Part B ihlanganisa amaphesenti angama-80 wezindleko zama-scooter wokuhamba, inqobo nje uma uhlangabezana nezidingo ezithile.

Udokotela wakho uzonquma ukufaneleka kwakho kwesithuthuthu.

Kufanele usebenzise udokotela ovunyelwe yi-Medicare nomhlinzeki ovunyelwe yi-Medicare abamukela isabelo sokuthi isithuthuthu sakho sivunyelwe futhi simbozwe yi-Medicare.