Ngaba amayeza amkelwe ngoogqirha abaninzi?

Umxholo

• Ungamfumana njani ugqirha owamkela amayeza
• Ngaba ndiza kuba nayo imali ngexesha lokuqeshwa kwam?
• Ukuthatha

• Uninzi loogqirha abaphambili bayalwamkela unyango.
• Ngumbono olungileyo ukuqinisekisa ukhuseleko lwakho ngaphambi kokuqeshwa, ngakumbi xa ubona ingcali. Unokwenza oku ngokufowunela iofisi kagqirha kwaye unikeze ngolwazi lwakho lweMedicare.
• Unokutsalela umnxeba umboneleli wakho we-Medicare ukuqinisekisa ubungqina.

Impendulo elula yalo mbuzo nguewe. Amashumi asithoba anesithathu eepesenti abagqirha abangabanyangiyo bathi bayayamkela iMedicare, xa kuthelekiswa neepesenti ezingama-94 ezamkela i-inshurensi yabucala. Kodwa kuxhomekeke kuhlobo luni lokugubungela i-Medicare onayo, nokuba sowusisigulana esikhoyo ngoku.

Funda ukuze ufunde ngakumbi malunga nokugubungela i-Medicare kunye nendlela yokujonga ukuba uza kugutyungelwa na.

Ungamfumana njani ugqirha owamkela amayeza

Iwebsite ye-Medicare inezixhobo ezibizwa ngokuba nguGqirha Thelekisa onokuzisebenzisa ukukhangela oogqirha kunye namaziko abhaliswe kwi-Medicare. Ungatsalela umnxeba i-800-MEDICARE ukuze uthethe nommeli.

Ukuba ukwisicwangciso seMedicare Advantage, ungatsalela umnikezeli wesicwangciso okanye usebenzise iwebhusayithi yabo yelungu ukukhangela ugqirha.

Uninzi lwezi zixhobo, unokuhlala ukhangela ubuchwephesha kwezonyango, imeko yezonyango, ilungu lomzimba, okanye inkqubo yomzimba. Unokuluhluza uphando lwakho ngo:

• indawo kunye nekhowudi ye-ZIP
• isini
• Ukudibana kwesibhedlele
• Igama lokugqibela likagqirha

Ukongeza kwizixhobo ezikwi-Intanethi okanye ukubiza umnikezeli wakho weinshurensi, kuya kufuneka ubize ugqirha okanye indawo yokuqinisekisa ukuba bayayithatha iMedicare kwaye bayazamkela izigulana ezitsha zeMedicare.

Ngaba ndiza kuba nayo imali ngexesha lokuqeshwa kwam?

Ngelixa ababoneleli beMedicare abathatha inxaxheba bengayi kuhlawulisa ngaphezulu kwexabiso elivunyiweyo le-Medicare, usenokuba noxanduva lokufumana imali, ukuncitshiswa, kunye nokuhlawulwa kwemali.

Abanye oogqirha banokufuna ezinye okanye zonke ezi ntlawulo ngexesha lokuqeshwa kwakho, ngelixa abanye bengathumela ityala emva koko. Soloko uqinisekisa imigaqo-nkqubo yentlawulo ngaphambi kokuqeshwa.

Ugqirha wakho unokuyeka ukwamkela i-inshurensi ye-Medicare ngezizathu ezahlukeneyo. Ukuba oku kuyenzeka, ungahlawula epokothweni ukuqhubeka nenkonzo okanye ufumane ugqirha owahlukileyo owamkela iMedicare.

Ugqirha wakho unokuba ngumboneleli ongathathi nxaxheba. Oku kuthetha ukuba babhalisile kwinkqubo ye-Medicare kodwa banokukhetha ukuba bayasamkela okanye abasamkeli isabelo. Oogqirha banokukuhlawulisa umda wokufikelela kwiipesenti ezili-15 ngaphezulu ngenkonzo ukuba ugqirha wakho akawamkeli umsebenzi wenkonzo.

Ukuthatha

Uninzi lwabasebenzi bezonyango bayayamkela iMedicare, kodwa kuhlala kungumbono olungileyo ukuqinisekisa ukuba ugqirha wakho ngumboneleli weMedicare. Ukuba ugqirha wakho uyeka ukuthatha i-Medicare, unokufuna ukubabuza ukuba ziyichaphazela njani na icebo lakho kunye nento onokuyenza ukuze uqiniseke ukuba ukhuselekile ngokwezezimali.

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 ayithengisi ishishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline ayikukhuthazi okanye ikhuthaze nawuphina umntu wesithathu onokuthi enze ishishini leinshurensi.