Yiziphi izindleko ze-Medicare Part B ezeqile?

-Delile

• Yini iMedicare Part B?
• Yiziphi izindleko ze-Medicare Part B ezeqile?
• Ungayibalekela kanjani inkokhiso eyeqile yeMedicare Part B
• Ngabe iMedigap iyayikhokhela imali ekhokhwayo eyeqile kwi-Medicare Part B?
• Ukuthatha

• Odokotela abangawemukeli isabelo seMedicare bangakukhokhisa kuze kufike kumaphesenti ayi-15 ngaphezulu kwalokho iMedicare ezimisele ukukukhokha. Leli nani laziwa njengokukhokhiswa okweqile kwe-Medicare Part B.
• Unesibopho sezindleko ezeqile ze-Medicare Part B ngaphezu kwamaphesenti angama-20 wemali evunyelwe yi-Medicare osuvele uyikhokhela insizakalo.
• Izindleko ezengeziwe ze-Part B azibalwa maqondana neNgxenye B yakho ekhishwa minyaka yonke.
• I-Medigap Plan F ne-Medigap Plan G zombili zihlanganisa izindleko ze-Medicare Part B ezeqile.

Ukuze uqonde izindleko ze-Part B ezeqile, kufanele uqale uqonde ukunikezwa kwe-Medicare. Ukunikezwa kwe-Medicare yizindleko uMedare azivumile zensizakalo ethile yezokwelapha. Abahlinzeki abavunyelwe yi-Medicare bamukela isabelo se-Medicare.

Labo abangawemukeli isabelo seMedicare bangakhokhisa ngaphezu kwemali evunyelwe yi-Medicare yezinsizakalo zezokwelapha. Izindleko ezingaphezu kwenani eligunyazwe yi-Medicare zaziwa njengezindleko ze-Part B ezeqile.

Yize izindleko ezengeziwe ze-Part B zingakhuphula izindleko zikhulu kakhulu, ungazigwema.

Yini iMedicare Part B?

I-Medicare Part B yingxenye yeMedicare ehlanganisa izinsizakalo zabangalaliswa ngaphandle, njengokuvakashelwa odokotela nokunakekelwa kokuvimbela. I-Medicare Part A ne-Medicare Part B yilezi zingxenye ezimbili ezakha i-Medicare yasekuqaleni.

Ezinye zezinsizakalo ezibandakanya Ingxenye B zifaka:

• umuthi womkhuhlane
• ukuhlolwa komdlavuza nesifo sikashukela
• izinsizakalo zegumbi lezimo eziphuthumayo
• ukunakekelwa kwempilo yengqondo
• izinsizakalo zama ambulensi
• ukuhlolwa kwelabhoratri

Yiziphi izindleko ze-Medicare Part B ezeqile?

Akubona bonke ochwepheshe bezokwelapha abamukela isabelo seMedicare. Odokotela abamukela isabelo bavumile ukwamukela inani eligunyazwe yi-Medicare njengenkokhelo yabo ephelele.

Udokotela ongamukeli ukwabiwa angakukhokhisa kuze kufike kumaphesenti ayi-15 ngaphezulu kwemali evunyelwe yi-Medicare. Lokhu kweqa kwaziwa njengenkokhelo eyeqile kwengxenye B.

Uma ubona udokotela, umphakeli, noma umhlinzeki owamukela isabelo, ungaqiniseka ukuthi uzokhokhiswa kuphela inani eligunyazwe yi-Medicare. Labodokotela abavunyelwe yi-Medicare bathumela umthethosivivinywa wezinsizakalo zabo kwi-Medicare, kunokuba bakunikeze wona. IMedicare ikhokha amaphesenti angama-80, bese uthola isikweletu samaphesenti angama-20 asele.

Odokotela abangavunyelwe yi-Medicare bangakucela ukuthi ukhokhe ngokugcwele ngaphambili. Uzoba nesibopho sokubuyiselwa yi-Medicare ngamaphesenti angama-80 emali evunyelwe yi-Medicare yebhili yakho.

Ngokwesibonelo:

• Udokotela wakho wamukela isabelo. Udokotela wakho owamukela i-Medicare angakhokhisa u- $ 300 ngokuhlolwa kwehhovisi. Udokotela wakho uzothumela lowo mthethosivivinywa ngqo kwi-Medicare, kunokuba akucele ukuthi ukhokhe yonke imali. I-Medicare izokhokha amaphesenti angama-80 omthethosivivinywa ($ 240). Udokotela wakho uzobe esekuthumela isikweletu samaphesenti angama-20 ($ 60). Ngakho-ke, izindleko zakho eziphuma ephaketheni zizobe zingama- $ 60.
• Udokotela wakho akamukeli ukwabiwa. Uma esikhundleni salokho uye kudokotela ongamukeli ukunikezwa kwe-Medicare, bangahle bakukhokhise ama- $ 345 ngokuhlolwa okufanayo kwe-office. I- $ 45 eyengeziwe ingamaphesenti ayi-15 ngaphezu kwalokho udokotela wakho ojwayelekile angakukhokhisa; leli nani liyinkokhelo eyeqile kwengxenye B. Esikhundleni sokuthumela isikweletu ngqo kwi-Medicare, udokotela uzokucela ukuthi ukhokhe yonke imali ngaphambili. Kuzoba kuwe-ke ukufaka isimangalo kwa-Medicare sokubuyiselwa imali. Leyo mbuyiselo izolingana namaphesenti angama-80 kuphela wemali evunyelwe yi-Medicare ($ 240). Kulokhu, izindleko zakho eziphuma ephaketheni zizobe zingama- $ 105.

Izindleko ezeqile ezingxenyeni B azibheki ngaseNgxenyeni B yakho edonswayo.

Ungayibalekela kanjani inkokhiso eyeqile yeMedicare Part B

Ungacabangi ukuthi udokotela, umphakeli, noma umhlinzeki wemukela iMedicare. Esikhundleni salokho, buza njalo ukuthi bayakwamukela ukwabiwa ngaphambi kokuthi ubhukhe i-aphoyintimenti noma insizakalo. Kungumqondo omuhle ukuphinda uhlole kabili, ngisho nodokotela owake wababona ngaphambili.

Izifundazwe ezithile zidlulise imithetho eyenza kube semthethweni ukuthi odokotela bakhokhise amacala we-Medicare Part B ngokweqile. Lezi zizwe yilezi:

• I-Connecticut
• EMassachusetts
• IMinnesota
• I-New York
• I-Ohio
• EPennsylvania
• Rhode Island
• I-Vermont

Uma uhlala kunoma yisiphi salezi zifundazwe eziyisishiyagalombili, akudingeki ukhathazeke ngamacala angaphezulu kweNgxenye B lapho ubona udokotela esifundazweni sakho. Usengakhokhiswa imali engaphezulu kweNgxenye B uma uthola ukunakekelwa kwezokwelapha kumhlinzeki ongaphandle kwezwe lakho ongakwamukeli ukunikezwa.

Ngabe iMedigap iyayikhokhela imali ekhokhwayo eyeqile kwi-Medicare Part B?

IMedigap ngumshuwalense wokungezelela ongaba nentshisekelo yokuwuthenga uma une-Medicare yoqobo. Izinqubomgomo zeMedigap zisiza ukukhokhela izikhala ezisele kuMedicare wokuqala. Lezi zindleko zifaka phakathi ukudonswa kwemali, ukukhokhelwa kwemali kanye nokuqinisekiswa kwemali.

Izinhlelo ezimbili zeMedigap ezibandakanya amacala we-Part B ngokweqile yilezi:

• Uhlelo lweMedigap F. Uhlelo F alusatholakali kubazuzi abasha beMedicare. Uma ufaneleke ukuthola iMedicare ngaphambi kukaJanuwari 1, 2020, usengathenga i-Plan F. Uma njengamanje une-Plan F, uyakwazi ukuyigcina.
• Uhlelo lweMedigap G. I-Plan G uhlelo oluhlanganisa konke oluhlanganisa izinto eziningi zokuqala i-Medicare engazenzi. Njengazo zonke izinhlelo zeMedigap, kubiza imali ekhokhwa nyangazonke ngaphezu kweprimiyamu yakho yengxenye B.

Ukuthatha

• Uma udokotela, umhlinzeki, noma umhlinzeki wakho engakwamukeli ukunikezwa kwe-Medicare, bangakwazi ukukukhokhisa kuze kube ngaphezu kwenani eligunyaziwe le-Medicare lesevisi yakho yezokwelapha. Le mali ebekiwe ibizwa ngokuthi yi-Part B eyeji ekhokhwayo.
• Ungakugwema ukukhokha izindleko ze-Part B ngokweqile ngokubona kuphela abahlinzeki abavunyelwe yi-Medicare.
• I-Medigap Plan F ne-Medigap Plan G zombili zihlanganisa izindleko ze-Part B ezeqile. Kepha kusengadingeka ukhokhele umhlinzeki wakho wezokwelapha ngaphambili bese ulinda ukubuyiselwa kwemali.