Ukutholakala Kwemithi Yezinhlelo Zokuqwashisa Kwezokwelapha

-Delile

• Ingabe i-Medicare iyazemboza izinhlelo zokuxwayisa ngezokwelapha?
• Ngingaluthola kanjani usizo lokukhokhela uhlelo lokuxwayisa ngezokwelapha?
• Ubani okufanele acabangele ukuthola uhlelo lokuxwayisa ngezokwelapha?
• Izinzuzo zokuba nohlelo lokuxwayisa ngezokwelapha
• Nebubi yokuba uhlelo uqaphile kwezokwelapha
• Izinhlobo zezinhlelo zokuxwayisa ngezokwelapha
• Ukuthatha

• I-Original Medicare ayinikezeli ngezinhlelo zokuxwayisa ngezokwelapha; noma kunjalo, ezinye izinhlelo zeMedicare Advantage zinganikeza ukumbozwa.
• Kunezinhlobo eziningi zezinhlelo ezikhona ukuhlangabezana nezidingo zakho ngazinye.
• Kunezinye izindlela zokonga ezinhlelweni zokuxwayisa, kufaka phakathi ukuxhumana nezinkampani zedivayisi ngqo ukuthola izaphulelo.

Izinhlelo zokuxwayisa ngezokwelapha zikuvumela ukuthi uthole usizo uma uwedwa futhi unesimo esiphuthumayo noma ulimele. Ngokuvamile, inkinobho kudivayisi ithumela isignali enkampanini yokuxwayisa ukubazisa ukuthi udinga usizo.

Yize lawa madivayisi anganikeza ukuthula kwengqondo nosizo ezimweni eziphuthumayo, abakwaMedicare abababheki njengamadivayisi wezokwelapha adingekayo. I-Medicare ayivamisile ukukhokhela izindleko zokuthenga noma ukugcina uhlelo lokuxwayisa.

Kule ndatshana, sizohlola izingxenye ze-Medicare ezinganikeza ukumbozwa okuthile kohlelo lokuxwayisa ngezokwelapha nokuthi ungayikhetha kanjani uma uyithenga wedwa.

Ingabe i-Medicare iyazemboza izinhlelo zokuxwayisa ngezokwelapha?

Izinhlelo zokuxwayisa ngezokwelapha azikho ohlwini ngaphansi kwezinsizakalo noma amadivayisi ahlanganisiwe akwa-Medicare Lokhu kungenzeka ngoba amasistimu okuxwayisa ngezokwelapha awathathwa ngokuthi "ayadingeka ngokwezempilo" futhi awayithuthukisi ngqo impilo yomuntu (njengesibuko seglucose egazini sikusiza ukuthi ubheke futhi welaphe isifo sikashukela).

• I-Medicare Part B ihlanganisa okokusebenza okuhlala isikhathi eside kwezokwelashwa, okufana nokuhamba, izihlalo ezinamasondo, noma izinduku. Izinhlelo zokuxwayisa ngezokwelapha azifaneleki njengezinto zokwelashwa eziqinile futhi ngenxa yalokho azimboziwe.
• I-Medicare Part C noma i-Medicare Advantage uhlelo olunikezwa izinkampani zomshuwalense ezizimele. Ezinye izinhlelo zinikeza izinzuzo ezengeziwe nezinsizakalo uMedare wendabuko angazenzi. Kwezinye izinhlelo, lokhu kungafaka izinhlelo zokuxwayisa ngezokwelapha. Buza umhlinzeki wohlelo lwakho ukuthola ukuthi ngabe bayakunikeza yini ukumbozwa kwezinhlelo zokuxwayisa ngezokwelapha.
• I-Medigap noma i-Medicare yomshuwalense wokungezelela usiza ukukhokha ezinye zezindleko ezingaphandle kwe-pocket nge-Medicare yasekuqaleni, njengokudonswa kwemali kanye nama-copayments. Kodwa-ke, ngoba i-Medicare yasekuqaleni ayizibandakanyi izinhlelo zokuxwayisa ngezokwelapha, iMedigap nayo ayizimbozi.

Uma unecebo le-Medicare Advantage, ungahle ube nazo zonke noma ingxenye yezindleko ezihlanganisiwe. Kodwa-ke, unokutholakala kokuqala kwe-Medicare kuphela, kuzodingeka ukuthi ukhokhe zonke izindleko ephaketheni lakho. Sizobheka ezinye izindlela ezimbalwa zokonga kuzinhlelo zokuxwayisa zezokwelapha ngokulandelayo.

Ngingaluthola kanjani usizo lokukhokhela uhlelo lokuxwayisa ngezokwelapha?

Izinhlelo zokuxwayisa ngezokwelapha zingaba nezimali eziningana, kufaka phakathi izindleko zokuthenga uhlelo, imali yokuqalisa, kanye nemali ekhokhwa nyangazonke. Ezinye izindlela ongathola ngazo usizo lwezezimali ngohlelo lokuqwashisa ngemithi zifaka:

• Ukuhlola ukuthi iMedicaid izokhokha izindleko. Uma ufanelekela iMedicaid esifundeni sakho, ezinye izinhlelo zingasiza ukumboza ezinye noma zonke izindleko zohlelo lokuxwayisa ngezokwelapha.
• Ukuthinta inkampani ngezaphulelo ezingaba khona. Ezinye izinkampani ezixwayisa ngezokwelapha zizonikeza izephulelo ngokuya ngemali engenayo, ubulungu ezinhlanganweni ezahlukahlukene, noma ngesibhedlela sendawo.
• Ukuhlola ukuncishiswa kwentela. Kwesinye isikhathi, ungadonsa konke noma ingxenye yezindleko ezihlobene nezinhlelo zokuxwayisa ngezokwelapha. Buza nochwepheshe wokulungiselela intela ukubona ukuthi lokhu kuyasebenza yini esimweni sakho.

Izinhlelo zokuxwayisa ngezokwelapha zingaba izindleko ezengeziwe lapho izindleko zokunakekelwa kwezempilo sezivele zibiza kakhulu. Nazi ezinye izindlela ongazigcina kuhlelo lokuxwayisa ngezokwelapha noma uhlelo:

• Gwema izinkontileka zesikhathi eside. Uma kuvela isimo lapho ungeke usebenzise uhlelo okwesikhashana, njengokuhlala isikhathi eside esibhedlela, kungasiza ukukwazi ukukhansela uhlelo ngaphandle kwenhlawulo. Izinhlelo zesikhathi eside zingaqhubeka zikukhokhise sonke isikhathi senkontileka noma zikhokhise izindleko zokukhansela zangaphambi kwesikhathi ezibizayo.
• Bheka izinhlelo zokubuyela emuva. Izinhlelo eziningana zokuxwayisa ngezokwelapha zinikela ngohlelo lokuzama lwezinsuku ezingama-30. Lokhu kungasiza ekuqinisekiseni ukuthi uyakwazi ukusebenzisa le divayisi nokuthi isebenza kahle kuwe ngaphambi kokuzibophezela kwinkontileka yesikhathi eside.
• Shayela inkampani ngqo. Izinkampani eziningi zivumela abamele izinsizakalo zamakhasimende ukuthi banikele ngezaphulelo noma ezinye izaphulelo zokonga izindleko ezengeziwe.

Ubani okufanele acabangele ukuthola uhlelo lokuxwayisa ngezokwelapha?

Izinhlelo zokuxwayisa ngezokwelapha zinganikeza ukuthula kwengqondo kuwe nasemndenini wakho. Ngokusho kombhalo wephephabhuku wakamuva, ucwaningo lukhombisa ukuthi izinhlelo zokuxwayisa ngezokwelapha zinganikeza izinzuzo ezithile.

Izinzuzo zokuba nohlelo lokuxwayisa ngezokwelapha

• Ukwehlisa ukukhathazeka okuhlobene nokwesaba ukuwa.
• Ukuzethemba okuthuthukisiwe ekwenzeni imisebenzi yansuku zonke.
• Induduzo ethuthukisiwe yokuthi uhlelo kulula ukuyisebenzisa.
• Ukuphepha okuthuthukisiwe kokwazi usizo kuzotholakala uma kudingeka.

Kodwa-ke, kukhona futhi ama-downsides okufanele acatshangelwe.

Nebubi yokuba uhlelo uqaphile kwezokwelapha

• Uhlelo lungahle lube nzima noma kube nzima ukulusebenzisa, lubangele ukucindezeleka okwengeziwe nokukhathazeka.
• Kungenzeka zingasithinti isikhathi esidinga usizo ukufika, isikhathi esichithwa esibhedlela, noma isikhathi sokululama ngemuva kokuwa.
• Izindleko zokuqala zedivayisi nezimali zanyanga zonke kungaba izindleko ezibalulekile ezengeziwe. Wena noma othandekayo kuzodingeka ukhokhe kakhulu uma kungezona zonke lezi zimali ezivela ephaketheni lakho.

Izinhlobo zezinhlelo zokuxwayisa ngezokwelapha

Izinhlelo zokuxwayisa ngezokwelapha ngokuvamile ziqukethe izinto ezintathu. Lokhu kufaka phakathi inkinobho yokusiza, inqubo yokuxhumana evame ukuba sekhaya, kanye nesikhungo sokuphendula esiphuthumayo. Amanye amasistimu anganikela nangezinye izici, kufaka phakathi ukutholwa kokuwa.

Nasi ukubuka konke kwezinye izinhlobo ezithandwayo zezinhlelo ezikhona namuhla:

• Abasizi basekhaya. Lokhu kungafaka i-Amazon's Alexa noma iGoogle Home, lapho unganikeza khona umyalo wezwi wokushayela ilungu lomndeni ucingo. Kodwa-ke, iningi lalawa madivayisi noma afanayo kungenzeka angakwazi ukushayela u-911. Futhi, kuya ngokuthi uwa kuphi, le divayisi kungenzeka ingakwazi ukuthola izwi lakho.
• Izinhlelo zeselula / ze-smartphone. Ama-Smartphone ayindlela ephathekayo yokuthi uxhumane nosizo oluphuthumayo. Umsebenzi we-GPS ungasiza nabanye ukuthi bakuthole. Kodwa-ke, ukuze lokhu kusebenze njengohlelo lokuxhumana oluphuthumayo, uzoludinga ukuthi ube nalo ngaso sonke isikhathi.
• Amawashi ahlakaniphile. Iwashi “elihlakaniphile” linohlelo lokuxhumana olungenantambo olungakuvumela ukuba ushaye izingcingo ngomakhalekhukhwini wakho noma ngohlelo olungenazintambo. Amanye amawashi ahlakaniphile azokuvumela ukuthi ushayele abezimo eziphuthumayo kuwashi lakho. Bangase banikeze nokulandelwa kwe-GPS nokuqapha kokushaya kwenhliziyo futhi.
• Izinhlelo ezimbili zokuxhumana. Izinhlelo zokuxhumana ezinamacala amabili zifaka isongo noma umgexo onenkinobho ongayicindezela ukuxhumana nesikhungo sezingcingo. Isikhungo sezingcingo sizohlola ukuthi hlobo luni losizo oludingayo bese siluthumela ekhaya lakho. Lolu hlelo lokuxhumana lungasetshenziswa kuphela ekhaya lakho ngoba alinakho ukulandelwa kwe-GPS.

Inani nezinhlobo zezinhlelo zokuxwayisa ngezokwelapha ezitholakalayo zingaba nzima. Ungaqala ngokubheka izidingo zakho zangempela, ezezimali, nanoma yiziphi izimo ongaba nazo. Ezinye izinto okufanele uzicabangele zifaka:

• Ingabe ufuna ubuchwepheshe be-GPS? Uma kunjalo, uzodinga idivaysi esebenza kunethiwekhi yeselula. Uma ungashiyi ikhaya lakho kaningi, mhlawumbe ngeke ubudinge ubuchwepheshe be-GPS.
• Ungu-tech-savvy kangakanani? Uma ungemuhle ngamagajethi, isistimu yokuxwayisa yezokwelapha engacindezelwa ingaba lula futhi isebenziseke kakhulu esimweni esiphuthumayo.
• Ingabe ufuna isistimu egadiwe? Uhlelo olubukiwe ludinga imali ekhokhwa nyangazonke, kepha lunikeza amandla okukhuluma nomphathi ophilayo uma unenkinga yezokwelapha.
• Ungakanani ongakwazi ukukusebenzisa? Uma ugcina isabelomali esiqinile, isongo lesaziso sezokwelapha lingabiza kakhulu kunamadivayisi nezinhlelo ezibiza kakhulu.

Ukunciphisa lezi zinto phansi kungakusiza ukuthi uthole uhlelo olufanele lokuxwayisa ngezokwelapha.

Ukuthatha

• I-Medicare ngeke ikhokhele izinhlelo zokuxwayisa ngezokwelapha, kodwa i-Medicare Advantage noma i-Medicaid ingasiza ukukhokhela ezinye noma zonke izindleko.
• Ukuthinta inkampani yedivayisi ngqo ukubuza ngezaphulelo kunganikeza ukonga izindleko.
• Cabanga ngezidingo zakho nezabathandekayo bakho ukuhlola ukuthi ngabe idivaysi yokuxwayisa ngezokwelapha ikulungele yini nokuthi iyiphi engasebenza kangcono esimeni sakho.

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.