Ukutholakala Kwemithi Yokuyeka Ukubhema

-Delile

• Yini i-Medicare emboza ngayo ukuyeka ukubhema?
• Izinsizakalo zokwelulekwa
• Kubiza malini?
• Imithi kadokotela
• Kubiza malini?
• Yini engamboziwe yi-Medicare?
• Kuyini ukuyeka ukubhema?
• Ukuthatha

• I-Medicare inikeza ukumbozwa kokuyeka ukubhema, kufaka phakathi imishanguzo kadokotela nezinsizakalo zokwelulekwa.
• Ukutholakala kunikezwa ngezingxenye ze-Medicare B kanye no-D noma ngohlelo lwe-Medicare Advantage.
• Ukuyeka ukubhema kunezinzuzo eziningi, futhi kunezinsiza eziningi zokukusiza ohambweni.

Uma usukulungele ukuyeka ukubhema, i-Medicare ingasiza.

Ungathola ukumbozwa ngokuyeka ukubhema nge-Medicare yasekuqaleni (izingxenye A no-B) - ikakhulukazi iMedicare Part B (umshuwalense wezokwelapha). Ungathola nokutholakala ngaphansi kohlelo lweMedicare Advantage (Ingxenye C).

I-Medicare ibheka izinsizakalo zokuyeka ukubhema njengokunakekelwa kokuvikela. Lokhu kusho ukuthi ezimweni eziningi, akudingeki ukhokhe izindleko ezingaphandle kwephaketheni.

Qhubeka ufunda ukuthola kabanzi mayelana nokuthi i-Medicare ihlanganisa ini ukukusiza uyeke ukubhema.

Yini i-Medicare emboza ngayo ukuyeka ukubhema?

Izinsizakalo zokuyeka ukubhema ziwela ngaphansi kwe-Medicare Part B, ehlanganisa izinsiza ezahlukahlukene zokuvikela.

Umbozwe kuze kube yimizamo emibili yokuyeka unyaka ngamunye. Umzamo ngamunye uhlanganisa izikhathi ezine zokwelulekwa ubuso nobuso, ngezikhathi ezihlanganisiwe eziyisishiyagalombili ngonyaka.

Ngokuhambisana nokwelulekwa, udokotela wakho angancoma imishanguzo kadokotela ukukusiza uyeke ukubhema. I-Medicare Part B ayihlanganisi imiyalo, kepha ungathenga lokhu kufakwa ngohlelo lwe-Medicare Part D (umuthi kadokotela). Uhlelo lweNgxenye D luzokusiza ukukhokhela lezi zindleko.

Ungazithola lezi zinsizakalo ngaphansi kohlelo lweMedicare Advantage. Izinhlelo zeMedicare Advantage, ezaziwa nangokuthi izinhlelo zeMedicare Part C, ziyadingeka ukuthi zinikeze ukumbozwa okufanayo neMedicare yasekuqaleni.

Ezinye izinhlelo ze-Advantage zifaka nokufakwa kwezidakamizwa kadokotela, kanye nosizo olwengeziwe lokuyeka ukubhema i-Medicare yasekuqaleni engayimbozi.

Izinsizakalo zokwelulekwa

Ngesikhathi sezikhathi zokwelulekwa ukukusiza uyeke ukubhema, udokotela noma umelaphi uzokunikeza izeluleko ezenzelwe wena ukuthi ungakuyeka kanjani. Uzothola usizo nge:

• ukwenza uhlelo lokuyeka ukubhema
• ukukhomba izimo ezikwenza ufise ukubhema
• ukuthola ezinye izindlela ezingashintsha ukubhema lapho unesifiso
• ukususa imikhiqizo kagwayi, amalitha nezitishi zomlotha, ekhaya lakho, emotweni noma ehhovisi
• ukufunda ukuthi ukuyeka kungayizuzisa kanjani impilo yakho
• ukuqonda imiphumela engokomzwelo nengokomzimba ongadlula kuyo ngenkathi uyeka

Ungathola ukwelulekwa ngezindlela ngezindlela ezahlukahlukene, kufaka phakathi ucingo nangesikhathi seqembu.

Ukwelulekwa ngocingo kunikeza konke ukusekelwa kwezikhathi ezisehhovisi kodwa akudingeki ukuthi ushiye ikhaya lakho.

Ezikhathini zamaqembu, abeluleki baqondisa iqoqo elincane labantu bonke abasebenzela umgomo ofanayo, njengokuyeka ukubhema. Ukwelulekwa ngamaqembu kungaba yindlela enhle yokuthola ukwesekwa kubantu abaziyo ukuthi ubhekene nani nokwabelana ngempumelelo yakho nobunzima bakho.

Umeluleki omkhethayo kufanele avunyelwe yi-Medicare uma ufuna ukuthi izinsizakalo zihlanganiswe. Kufanele futhi ube umuntu obhemayo njengamanje futhi ubhalise ngenkuthalo kwi-Medicare. Ungathola abahlinzeki endaweni yakho usebenzisa iwebhusayithi ye-Medicare.

Kubiza malini?

Izindleko zezikhathi zakho eziyisishiyagalombili zokwelulekwa zizokhokhwa ngokuphelele yi-Medicare inqobo nje uma usebenzisa umhlinzeki ovunyelwe yi-Medicare. Izindleko zakho kuphela kuzoba yi-Part B premium yakho yanyanga zonke (noma i-premium yohlelo lwakho lwe-Medicare Advantage), kepha lokhu kuzoba inani elifanayo nawe ovame ukukhokha.

Imithi kadokotela

Udokotela wakho futhi angakunikeza umuthi ozokusiza uyeke ukubhema. Le mithi ikusiza ukuthi uyeke ngokunciphisa isifiso sakho sokubhema.

Ukuze ufanelekele ukumbozwa, umuthi kufanele unikezwe udokotela wakho kanye ne-U.S. Food and Drug Administration (FDA) ukusiza ngokuyeka ukubhema. Njengamanje, i-FDA ivume izinketho ezimbili zemithi kadokotela:

• I-Chantix (i-varenicline tartrate)
• I-Zyban (bupropion hydrochloride)

Uma unecebo lomuthi kadokotela ngokusebenzisa iMedicare Part D noma iMedicare Advantage, kufanele uyimbozwe le mithi. Eqinisweni, noma yiluphi uhlelo onalo ngeMedicare luyadingeka ukumboza okungenani umuthi owodwa wokuyeka ukubhema.

Kubiza malini?

Ungathola amafomu ejwayelekile ale mithi, futhi ngokuvamile ayabiza.

Intengo ejwayelekile kakhulu ye-bupropion (ifomu elijwayelekile le-Zyban) icishe ibe ngu- $ 20 ngokunikezwa kwezinsuku ezingama-30, noma ngabe awukho umshuwalense noma amakhuphoni. Lezi zindleko yilokho ongakhokha ngaphandle komshwalense. Intengo yangempela ozoyikhokha incike ohlelweni lwakho lomshuwalense, indawo okuyo nasekhemisi oyisebenzisayo.

Izindleko zakho eziphuma ephaketheni nazo zizoncika kuhlelo lwakho oluthile lwe-Part D noma lwe-Advantage. Ungahlola uhlu lohlelo lwakho lwemithi emboziwe, eyaziwa njenge-formulary, uma ufuna ukubona ukuthi yimiphi imithi efakiwe.

Kuwumqondo omuhle futhi ukuzungeza emakhemisi abambe iqhaza endaweni yangakini ngentengo engcono kakhulu.

Yini engamboziwe yi-Medicare?

Imithi kadokotela yokuyeka ukubhema kuphela embozwe yiMedicare. Imikhiqizo engaphezulu kwekhawunta ayimboziwe. Ngakho-ke, noma ngabe bangakusiza ukuthi uyeke ukubhema, kuzodingeka ubakhokhele ephaketheni.

Eminye imikhiqizo etholakala ngaphandle kwe-counter ifaka:

• ushingamu we-nicotine
• ama-nicotine lozenges
• amabala e-nicotine
• i-nicotine inhalers

Le mikhiqizo yaziwa ngokuthi i-nicotine therapy. Ukuzisebenzisa kungakusiza uyeke kancane kancane, ngoba kukuvumela ukuthi uthole imithamo emincane ye-nicotine ngaphandle kokubhema empeleni. Le nqubo ingakusiza ukuthi ube nezimpawu ezimbalwa zokuhoxa.

Akunandaba ukuthi ukhetha muphi umkhiqizo, inhloso ukuwusebenzisa kancane njengoba isikhathi siqhubeka. Ngale ndlela, umzimba wakho uzozivumelanisa ne-nicotine encane.

I-Original Medicare ayihlanganisi noma iyiphi yale mikhiqizo ethengiswayo.

Uma unecebo le-Medicare Advantage, noma kunjalo, lingabandakanya ukumbozwa noma izaphulelo kule mikhiqizo. Ungahlola imininingwane yohlelo lwakho noma useshe eyodwa endaweni yakho ehlanganisa le mikhiqizo usebenzisa i-Medicare's plan finder.

Kuyini ukuyeka ukubhema?

Inqubo yokuyeka ukubhema yaziwa njengokuyeka ukubhema. Ngokwenhlolovo eyenziwe yi-CDC, cishe abantu abadala baseMelika ababhemayo bafuna ukuyeka ngo-2015.

Izizathu zokuyeka ukubhema zifaka:

• isikhathi sokuphila esandisiwe
• kwehle ingozi yezifo eziningi
• ukuthuthukiswa kwezempilo jikelele
• ikhwalithi yesikhumba ethuthukisiwe
• umuzwa ongcono wokunambitha nephunga
• imikhuhlane embalwa noma izimpawu zokungezwani komzimba

Izindleko zikagwayi zingenye into eholela abantu abaningi ukuthi bayeke. Ucwaningo lubonisa ukuthi ukuyeka ukubhema kungakongela imali efinyelela ku- $ 3,820 ngonyaka. Ngaphandle kwalokhu, ababhemayo kuphela abayeka ngempumelelo ngo-2018.

Uma uzama ukuyeka, izindlela zokuyeka ukubhema zingakusiza ngezimpawu zokuhoxa kwe-nicotine futhi zikunikeze amathuluzi owadingayo ukuze uhlale ungabhemi.

Ungazama ezinye izindlela eziningi ngokungeziwe kuzikhathi zokwelulekwa, imiyalo, nemikhiqizo engaphezulu kwekhawunta.

Isibonelo, izinhlelo zokusebenza eziningi ze-smartphone zenzelwe ukukusiza ukuthi uphathe izifiso zakho futhi uthole ukwesekwa kontanga. Ungase futhi uthole izindlela ezingejwayelekile, njengokulolongwa kwesikhumba noma amakhambi, kusiza.

Abanye abantu basebenzisa i-e-cigarettes lapho bezama ukuyeka, kodwa le ndlela ayinconywa.

Nazi ezinye izinsiza zokuthi uma usukulungele ukuthatha isinyathelo esilandelayo:

• Inethiwekhi Kazwelonke Yokunqandwa Kogwayi. Le nombolo yocingo izokuxhumanisa nochwepheshe ongakusiza wenze uhlelo lokuyeka ngokuphelele. Ungashayela i-800-QUITNOW (800-784-8669) ukuze uqalise.
• Ukubhema. I-Smokefree ingakuqondisa kuzinsizakusebenza, isethe ingxoxo nomeluleki oqeqeshiwe, futhi ikusize ukulandelela intuthuko yakho.
• Inkululeko Ekubhemeni. Lolu hlelo, olunikezwa yi-American Lung Association, belusiza abantu ukuthi bayeke ukubhema kusukela ngo-1981.

Ukuthatha

I-Medicare ingakusiza uyeke ukubhema. Ifaka izinhlobo eziningi zezinhlelo.

Njengoba unquma ukuthi iziphi izinketho ezingcono kakhulu kuwe, khumbula ukuthi:

• I-Medicare ibheka ukunakekelwa kokuvimbela ukubhema.
• Ungathola izikhathi zokwelulekwa zokuyeka ukubhema eziyisishiyagalombili zimbozwe ngokugcwele unyaka ngamunye, inqobo nje uma umhlinzeki wakho ebhalise kwi-Medicare.
• Ungathola imishanguzo kadokotela embozwe ngaphansi kweMedicare Part D noma iMedicare Advantage.
• I-Original Medicare ayihlanganisi imikhiqizo ethengiswayo, kodwa uhlelo lwe-Advantage lungahle.
• Ukuyeka ukubhema ngokwakho kungaba nzima, kepha izinhlelo zokuyeka, imithi, nokusekelwa kontanga kungasiza.

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.