Ngaba iziCwangciso eziLuncedo zeMedare ziyakugubungela uKhenketho lwaMazwe ngaMazwe?

Umxholo

• Ukukhutshwa kweMedicare yoqobo ngaphandle kwe-United States
• Isibonelelo seMedarefa ngaphandle kweUnited States
• Ukugubungela iMedigap ngaphandle kweMelika
• Zeziphi izicwangciso zeMedicare ezinokubonelela ngokugubungela ukhenketho lwamazwe aphesheya ngo-2020?
• Enye i-inshurensi yokuhamba kumazwe aphesheya
• Ngaba i-Medicare iyakugubungela xa usiya ePuerto Rico?
• Ukuthatha

Xa ilixesha lokubhalisa kwi-Medicare, zininzi izinto ekufuneka ziqwalaselwe. Izicwangciso zakho zokuhamba zexesha elizayo kufuneka zibe zezinye zazo. Ukuba ucinga ngokuhamba kwamanye amazwe kunyaka olandelayo, inokuchaphazela ukhetho lwakho lweinshurensi yezempilo kunye nezigqibo zeMedicare.

Medicare uqobo ayenzi ukugubungela uhambo lwamanye amazwe. Nangona kunjalo, ezinye izicwangciso ze-Medicare Advantage (Icandelo C) UCanzibe gubungela iimeko ezingxamisekileyo ezithile ukuba zenzeka ngaphandle kwaseMelika. Kwiimeko ezininzi nangona kunjalo, uyakufuna i-inshurensi yokuhamba eyongezelelweyo.

Ukuba ucwangcisa ukuphuma kweli lizwe, licebo elihle ukuphonononga iinkcukacha ze-Medicare yakho yangoku okanye izicwangciso zeinshurensi yabucala yezempilo ukuze uqiniseke ukuba uyagutyungelwa kwimeko kaxakeka.

Ukuba awugutyungelwanga kukhenketho lwamazwe aphesheya, unokukhangela ezinye iindlela zokunceda ukugcwalisa naziphi na izithuba ekuhlanganisweni kwakho. Siza kuphonononga iindlela onokukhetha kuzo, kubandakanya nezicwangciso ezongezelelweyo zeMedare (iMedigap), iinshurensi yabahambi yexeshana elifutshane, okanye ukugubungela ixesha elide ngeMedicare Advantage.

Ukukhutshwa kweMedicare yoqobo ngaphandle kwe-United States

I-Medicare kukukhuselwa kwezempilo kubantu baseMelika abaneminyaka engama-65 nangaphezulu. Inkqubo karhulumente yahlulwe yangamacandelo amane: A, B, C, no-D.

Awubhalisanga ngokuzenzekelayo kwezi nkqubo-kufuneka ubhalise ngexesha lokubhalisa. Unokukhetha ezona zicwangciso zibalaseleyo kwiimfuno zakho zokhathalelo lwempilo.

Uninzi lwabantu baseMelika babhalisela iinxalenye zeMedicare A kunye no-B. Ukuze ulungele olunye unyango lwe-Medicare, kuya kufuneka ubhalise kwicandelo A no-B.

Icandelo lonyango i-Medicare Icandelo B ligubungela ukhathalelo lwezigulana ezingalaliswayo. Icandelo leMedicare A libonelela ngesibhedlele. Ukuba ufuna i-inshurensi yokugubungela iziyobisi, emva koko unokujonga ukubhalisela i-Medicare Icandelo D.

Isibonelelo seMedarefa ngaphandle kweUnited States

Uncedo lweMedicare (Icandelo C) yenye indlela yokufumana isigubungelo seMedare. Kuxhomekeka kwisicwangciso osikhethileyo, isicwangciso sakho sinokubandakanya umbono, ukuva, amazinyo, kunye nokugubungela iziyobisi.

Izicwangciso ze-Medicare Advantage ngokubanzi zikukhawulela koogqirha nakwizibonelelo zoMbutho Wezolondolozo lwezeMpilo (HMO) okanye Umbutho woMboneleli oKhethiweyo (PPO) kwaye unakho okanye ungangagubungeli ukhathalelo lwangaphandle kwenethiwekhi.

Ukuthenga isicwangciso se-Medicare Advantage, kufuneka ubhalise kumacandelo e-Medicare A kunye no-B. Ukuhlawulwa kwesicwangciso se-Medicare Advantage sinikezelwa ngesicwangciso se-inshurensi yabucala.

Izicwangciso ze-Medicare Advantage zinokubonelela okanye zongeze ngakumbi, njengokuhamba.

Akukho mithetho inyanzelisa ukuba i-Medicare Advantage izakugubungela ipesenti ethile yamatyala esibhedlele aphesheya.

Kubalulekile ukuba ukhangele umntu ophethe i-inshurensi ngaphambi kokuba uhambe ukuze wazi ukuba lingakanani, ukuba likho, icebo lakho elibandakanya imeko zononophelo lwempilo zamanye amazwe.

Ukugubungela iMedigap ngaphandle kweMelika

IMedigap yinshurensi eyongezelelweyo enikezelwa ngenkqubo yeMedare. Kwahlukile kwizicwangciso ze-Medicare Advantage ngaloo nto ayenzi gubungela izinto ezinje ngononophelo lwexesha elide, umbono, amazinyo, izixhobo zokuva, iiglasi zamehlo, okanye ukonga abucala.

I-Medigap lolunye ukhetho lwe-inshurensi yabucala ngaphakathi kwe-Medicare eyilelwe ukunceda ukuhlawula iindleko ezinje ngeemali ezitsaliweyo, iikopi, kunye nezinye iinkonzo zonyango ezingagutyungelwanga ngamanye amalungu eMedare.

Izicwangciso zeMedigap zibonelela ngenkathalelo yokhathalelo olunxulumene nonyango olungxamisekileyo olwenzeka ngelixa ungaphandle kweMelika. Olu hlobo lweinshurensi luhlala lusetyenziselwa ukubonelela ngogqatso ngexesha lokuhamba kwamazwe aphesheya.

IMedigap inokunceda ekunciphiseni ukuncitshiswa okuphezulu kunye nokukhuphela i-inshurensi xa useluhambeni. Ngapha koko, kuxhomekeke kwisicwangciso osikhethileyo, iMedigap inokugubungela iipesenti ezingama-80 zoxakeko lwezonyango lwamazwe aphesheya xa uthe wadibana nokutsalwa kwakho kwaye uphakathi komda womgaqo-nkqubo wakho.

Zeziphi izicwangciso zeMedicare ezinokubonelela ngokugubungela ukhenketho lwamazwe aphesheya ngo-2020?

Izicwangciso ze-Medicare ze-Advantage zinokubonelela ngakumbi nge-inshurensi yamazwe ngamazwe ngenxa yokuba banikezela ngomshuwalense wabucala Nangona kunjalo, ayizizo zonke izicwangciso ezibonelela ngokugubungela okufanayo.

Izicwangciso zeMedigap zikwabonelela ngogcino lwamazwe aphesheya Kuya kufuneka sele ubhalisile kumacandelo e-Medicare A no-B ukuze ulungele iMedigap. Kuba iMedigap ibonelelwa ngeenkampani zabucala zeinshurensi, isixa sokufumana ukhathalelo lwempilo lwamazwe aphesheya, ukuba sikhona, siya kuxhomekeka kwisicwangciso osithengileyo.

Ukuba ucwangcisa ukuhamba rhoqo, unokufuna ukuhlawula ngaphezulu ngaphambili kwi-Medicare Advantage okanye isicwangciso seMedigap sokuhlawula iindleko kude nelizwe lakho okanye ngaphandle kwelizwe.

• Qala kwangoko. Qalisa ukuphanda ukhetho lwakho lwe-Medicare kwiinyanga ezimbalwa ngaphambili Ugqiba iminyaka engama-65.
• Qokelela amaxwebhu afunekayo. Ubuncinci, uyakufuna ilayisensi yakho yokuqhuba, ikhadi lokhuseleko loluntu, kunye nesatifikethi sokuzalwa. Unokufuna ikopi yefom ye-W-2 ukuba usasebenza.
• Qonda iimfuno zakho zangoku zonyango. Yazi ukuba umbona kangaphi ugqirha unyaka nonyaka, mangaphi amayeza amiselweyo owathathayo, kunye nazo naziphi na iimfuno ezizodwa zonyango onazo.
• Lwazi uhlahlo-lwabiwo mali. Cinga ukuba ngaba ufuna ukuchitha imali eyongezelelweyo ngezibonelelo ezongezelelweyo ezibonelelwa sisicwangciso seMedicare Advantage (Icandelo C).
• Cinga ngezicwangciso zakho zokuhamba. Ukuba ucwangcisa ukuhamba kakhulu, qwalasela ukongezwa kweMedigap.

Enye i-inshurensi yokuhamba kumazwe aphesheya

Ukuba uhlahlo lwabiwo-mali, enye inketho kukufumana i-inshurensi yabahambi eyongezelelweyo. Le ayisiyi-inshurensi yezonyango, kodwa endaweni yoko sisicwangciso sexesha elifutshane esigubungela imeko zikaxakeka ngelixa uphumile kwilizwe. Unokwazi ukuthenga i-inshurensi yexesha elifutshane ngesicwangciso sokuhamba.

Ukubamba kukuba kuya kufuneka uthenge isimbozo phambi kwexesha kuhambo oluchaziweyo. Awunakho ukuthenga i-inshurensi yabahambi xa sele ulishiyile ilizwe.

Kwakhona, ayizizo zonke izicwangciso zokuxhasa ezibandakanya iimeko esele zikho. Ukuba uneemeko zempilo ezingapheliyo, qiniseka ukuba uphonononge ngaphandle ngaphambi kokuba uthenge i-inshurensi yokuhamba.

Ngaba i-Medicare iyakugubungela xa usiya ePuerto Rico?

I-Puerto Rico yintsimi yase-U.S., Ke icebo lakho le-Medicare liya kugubungela uhambo lwakho lokuya esiqithini. Abahlali basePuerto Rico banelungelo lokufumana iMedicare.

Imithetho efanayo iyasebenza nakwezinye iindawo zase-US, kubandakanya:

• IAmerican Samoa
• Guwam
• Iziqithi zaseMantla Mariana
• Iziqithi zaseU.S. Virgin

Ukuthatha

Ukuba uhamba, izicwangciso ze-Medicare Advantage (Icandelo C) zinokuba neenzuzo ngaphezulu kwecandelo le-Medicare A kunye no-B. Nangona kunjalo, kuba ezi zizicwangciso ze-inshurensi zabucala, i-Medicare Advantage ayizigqibi ngokuzenzekelayo iindleko ngexesha lokuhamba kwamazwe aphesheya.

Kubalulekile ukuba uphonononge umgaqo-nkqubo wakho phambi kokuba uhambe kwaye uthathele ingqalelo ukongeza ukhuseleko kunye neMedigap okanye i-inshurensi yabahambi ukuba ukhathazekile malunga neendleko ezinokubakho zonyango xa uphuma kwilizwe.

Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.