Ukwephula isithukuthuku: Ama-Medicare neSilivaSneakers

-Delile

• Yini iSilverSneakers?
• Ngabe iMedicare iyayimboza iSilverSneakers?
• Yiziphi izingxenye zeMedicare ezimboza iSilverSneakers?
• Ibiza malini amateki esiliva?
• Okubalulekile

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Ukuzivocavoca umzimba kubalulekile kuwo wonke amaqembu eminyaka, kufaka phakathi nabantu abadala.

Ukwenza isiqiniseko sokuthi uhlala uvivinya umzimba kungasiza ukugcina ukuhamba nokusebenza komzimba, ukukhuphula imizwa yakho, nokwenza imisebenzi yakho yansuku zonke ibe lula.

ISilverSneakers wuhlelo lwezempilo nobungqabavu oluhlinzeka ngokufinyelela ejimini namakilasi okuzivocavoca abantu abadala asebekhulile. Ihlanganiswe ezinye izinhlelo zeMedicare.

Abahlanganyeli beSilverSneakers bathole ukuthi abantu abanokuvakashelwa okuningi kokuvocavoca umzimba babenezibalo eziphakeme zokuzibika ngokomzimba nangokwengqondo.

Qhubeka ufunda ukuze ufunde kabanzi ngeSilverSneakers, i-Medicare ehlela ukuyimboza, nokuningi.

Yini iSilverSneakers?

ISilverSneakers wuhlelo lwezempilo nokuqina olubhekiswe ngqo kubantu abadala abaneminyaka engama-65 nangaphezulu.

Kubandakanya izinzuzo ezilandelayo:

• ukusetshenziswa kwezindawo zokuzivocavoca ezibamba iqhaza, kufaka phakathi imishini yokuzivocavoca, amachibi, nezindlela zokuhamba
• amakilasi wokuzivocavoca enzelwe abantu abadala asebekhulile kuwo wonke amazinga wokuqina, kufaka phakathi ukusebenza kwe-cardio, ukuqeqeshwa kwamandla, ne-yoga
• ukufinyelela kuzinsizakusebenza eziku-inthanethi, kufaka phakathi amavidiyo wokuzivocavoca kanye namathiphu okunomsoco nokuqina
• ukukhuthazwa komphakathi osekelayo wababambiqhaza bobabili mathupha kanye naku-inthanethi

ISilverSneakers inezinkulungwane zama-gyms abamba iqhaza ezweni lonke. Ukuze uthole indawo eseduze nawe, sebenzisa ithuluzi lokusesha lamahhala kuwebhusayithi yeSilverSneakers.

Ukusebenzisa izinhlelo zokuqina kungasiza ekuthuthukiseni impilo yakho yonke futhi kunganciphisa nezindleko zakho zokunakekelwa kwempilo.

Omunye walandela ababambiqhaza beSilverSneakers iminyaka engu-2. Ngonyaka wesibili, kwatholakala ukuthi ababambiqhaza babenezindleko eziphansi zokunakekelwa kwezempilo kanye nokwenyuka okuncane ezindlekweni zokunakekelwa kwezempilo uma kuqhathaniswa nabangahlanganyeli.

Ngabe iMedicare iyayimboza iSilverSneakers?

Ezinye izinhlelo ze-Part C (Medicare Advantage) zimboza iSilverSneakers. Ngokwengeziwe, ezinye izinhlelo zeMedigap (Medicare supplement) ziyayifaka nayo.

Uma uhlelo lwakho lumboza uhlelo lweSilverSneakers, ungalubhalisela lona kuwebhusayithi yeSilverSneakers. Ngemuva kokubhalisa, uzonikezwa ikhadi lobulungu le-SilverSneakers elinenombolo ye-ID yelungu.

Amalungu eSilverSneakers anakho ukufinyelela kunoma iyiphi indawo yokuzivocavoca ebamba iqhaza kulolu hlelo. Ungasebenzisa ikhadi lakho lobulungu ukuze ubhalise ejimini yakho oyithandayo. Uzobe usukwazi ukufinyelela kuzo zonke izinzuzo zeSilverSneakers mahhala.

Ngakho-ke ungalukhetha kanjani uhlelo lweMedicare oluhlangabezana nezidingo zakho? Landela amathiphu angezansi ukuze uqalise:

• Cabanga ngezidingo zakho zempilo. Njengoba wonke umuntu enezidingo ezehlukene zezempilo, kubalulekile ukuthi ubheke ukuthi hlobo luni lwezempilo noma lwezokwelashwa oludingayo ngonyaka ozayo.
• Bheka izinketho zokuhlanganisa. Qhathanisa ukumbozwa okuhlinzekwe ezinhlelweni ezahlukahlukene ze-Medicare nezidingo zakho zezempilo. Gxila ezinhlelweni ezizofeza lezi zidingo ngonyaka ozayo.
• Cabanga ngezindleko. Izindleko zingahluka ngohlelo lwe-Medicare olikhethayo. Lapho ubheka amapulani, cabanga ngezinto ezifana nama-premium, imali ekhishwayo, nokuthi uzokwazi ukukhokha malini ephaketheni.
• Qhathanisa amacebo ka-Part C no-Part D. Uma ubheka uhlelo lwengxenye C noma ingxenye D, khumbula ukuthi okuhlanganisiwe kuyahluka ngohlelo ngalunye. Sebenzisa isiza esisemthethweni seMedicare ukuqhathanisa ngokucophelela amapulani ahlukile ngaphambi kokunquma ngakunye.
• Hlola odokotela ababambe iqhaza. Ezinye izinhlelo zidinga ukuthi usebenzise umhlinzeki wezokunakekelwa kwempilo kunethiwekhi yabo. Qiniseka ukuthi uhlola kabili ukubona ukuthi umhlinzeki wakho wezokunakekelwa kwempilo ufakiwe yini kunethiwekhi yohlelo ngaphambi kokubhalisa.

Yiziphi izingxenye zeMedicare ezimboza iSilverSneakers?

I-Original Medicare (Izingxenye A no-B) ayibuhlanganisi ubulungu bejimu noma izinhlelo zokuqina. Njengoba iSilverSneakers iwela ngaphansi kwalesi sigaba, i-Original Medicare ayikufihli.

Kodwa-ke, ubulungu bejimu nezinhlelo zokuqina, kufaka phakathi iSilverSneakers, zivame ukumbozwa njengenzuzo eyengeziwe ezinhlelweni zeMedicare Part C.

Izinkampani zomshuwalense ezizimele ezivunyelwe yiMedicare zinikela ngalezi zinhlelo.

Izinhlelo ze-Part C zifaka phakathi imihlomulo ehlanganiswa Izingxenye A no-B. Futhi ngokujwayelekile zinezinzuzo ezengeziwe njengokufakwa kwamazinyo, umbono, nokutholakala kwemithi kadokotela (Ingxenye D).

Ezinye izinqubomgomo zeMedigap zizophinde zihlanganise ubulungu bejimu nezinhlelo zokuqina. Njengezinhlelo ze-Part C, izinkampani zomshuwalense ezizimele zinikela ngezinhlelo zeMedigap. Izinhlelo zeMedigap zisiza ukumboza izindleko i-Original Medicare engazenzi.

Ibiza malini amateki esiliva?

Amalungu eSilverSneakers anazo izibonelelo ezifakiwe mahhala. Kuzofanele ukhokhele noma yini engamboziwe kuhlelo lweSilverSneakers.

Uma ungaqiniseki ngalokho okuhlanganisiwe ejimini ethile, qiniseka ukuthi uyabuza.

Ngokwengeziwe, kubalulekile ukuthi wazi ukuthi izinsiza ezithile namakilasi atholakala kuwe angahluka ngokuzivocavoca umzimba. Kungadingeka ukuthi ufune indawo yokuzivocavoca ebamba iqhaza ehlangabezana nezidingo zakho zokuqina.

Ngabe uzobhalisela iMedicare ngonyaka ozayo? Landela amathiphu angezansi ukusiza ngenqubo yokubhalisa:

• Ngabe udinga ukubhalisa? Uma usuvele uqoqa izinzuzo Zokuvikeleka Komphakathi, uzobhaliswa ngokuzenzakalela ku-Original Medicare (Izingxenye A no-B) lapho ufanelekile. Uma ungaqoqi Ukuphepha Komphakathi, kuzodingeka ubhalise.
• Yazi ukuthi isikhathi sokubhalisa esivulekile sinini. Lesi yisikhathi lapho ungabhalisa khona noma wenze izinguquko ezinhlelweni zakho ze-Medicare. Njalo ngonyaka, ukubhaliswa okuvulekile kungo-Okthoba 15 kuya kuDisemba 7.
• Qhathanisa amapulani. Izindleko nokufakwa kwezinhlelo ze-Medicare Part C no-Part D zingahluka ngohlelo. Uma ucabanga ngeNgxenye C noma Ingxenye D, qiniseka ukuthi uqhathanisa amapulani amaningi atholakala endaweni yakho ngaphambi kokukhetha eyodwa.

Okubalulekile

ISilverSneakers wuhlelo lokuzivocavoca olwenzelwe abantu abadala asebekhulile. Kubandakanya:

• ukufinyelela ezindaweni zokuzivocavoca
• amakilasi okukhethekile okuqina
• izinsiza eziku-inthanethi

Izinzuzo zeSilverSneakers zinikezwa amalungu mahhala. Uma ufuna ukusebenzisa izinsiza zokuvivinya umzimba noma zokuvivinya umzimba ezingafakiwe kumaSilverSneakers, kuzofanele uzikhokhele.

I-Original Medicare ayibuhlanganisi ubulungu bejimu noma izinhlelo zokuzivocavoca njengeSilverSneakers. Kodwa-ke, ezinye izinhlelo zeMedicare Part C neMedigap ziyakwenza.

Uma unentshisekelo kumaSilverSneakers, hlola ukuthi ngabe akufakiwe yini kuhlelo lwakho noma yiluphi uhlelo olucabangayo.