Ngaba amaVeterans ayayifuna iMedicare?

Umxholo

• Ngaba kufuneka ndibhalise kwi-Medicare ukuba ndine-VA coverage?
• VA ukhathalelo lwempilo
• Ukugubungela amayeza
• Icandelo lezaMayeza A
• Icandelo leMedare B
• Icandelo lonyango Medic C
• Icandelo leMedare D
• Izicwangciso zeMedigap
• I-VA kunye neMedicare zisebenza njani kunye?
• I-Medicare isebenza njani nge-TRICARE?
• I-TRICARE yoBomi igubungela ntoni?
• Umzekelo
• Ndibhalisa njani kwiMedicare?
• Ndingasikhetha njani isicwangciso sokhuselo olongezelelweyo?
• Ndizigcina njani iindleko zam ziphantsi?
• Ukuthatha

Ihlabathi lezibonelelo zamagqala zinokudideka, kwaye kunokuba nzima ukuba wazi ukuba ungakanani na. Ukuxhasa ukhathalelo lwempilo yegqala lakho ngesicwangciso seMedicare kunokuba ngumbono olungileyo, ngakumbi kuba ukhathalelo lwezempilo lweVeteran's (VA) lungahluka kakhulu emntwini ukuya ekuhambeni kwexesha.

Apha, siza kujonga kwizicwangciso ezahlukeneyo zeMedicare, i-TRICARE, kunye neZibonelelo zezoNyango ze-VA kunye nendlela abasebenza ngayo kunye.

Ngaba kufuneka ndibhalise kwi-Medicare ukuba ndine-VA coverage?

Inkxaso yezempilo ebonelelwa yi-VA yinkqubo eyahlukileyo yokhathalelo lwempilo kuneMedicare. Ngokwesiqhelo, ezi nkqubo azidibani, ke kuhlala kuye kugqala ukuba aqonde ukuba yeyiphi ingxelo enikwa sisicwangciso ngasinye.

VA ukhathalelo lwempilo

Ukhathalelo lwempilo lwe-VA lubandakanya iinkonzo zeemeko zonyango ezizezenkonzo kunye nezingahambelani nenkonzo. Ukufumana iipesenti ezili-100 zokugubungela, kufuneka ufune unyango kwisibhedlele se-VA okanye eklinikhi.

Ukuba ufumana unonophelo kwiziko lonyango elingelilo i-VA, kuya kufuneka uhlawule ikopi. Ngamanye amaxesha, i-VA inokugunyazisa ukhathalelo kwindawo engeyo-VA, kodwa oku kufuneka kuvunywe kwangaphambi konyango.

Ukugubungela amayeza

Ke, kuthekani ukuba ufumana unonophelo kwiziko elingelilo i-VA ngemeko engahambelaniyo nenkonzo kwaye engagutyungelwanga sisicwangciso sakho seinshurensi ye-VA? Ukuba ungaphezulu kweminyaka engama-65, kulapho iMedicare inceda khona.

Ngokukhetha kwicandelo ngalinye le-Medicare, uzakhela ngakumbi ukhathalelo lwempilo ngokwakho. Kananjalo uya kuba mancinci amathuba okuhlawula iindleko eziphezulu zokuphuma epokothweni.

Emva koko, makhe sijonge kwiindawo ezahlukeneyo zeMedicare.

Icandelo lezaMayeza A

Icandelo leMedicare A lihlala lisimahla kwaye lingenayo ipremiyamu. Eli candelo ligubungela ukhathalelo lwe-non-VA esibhedlele ukuba unexesha likaxakeka okanye ukuba uhlala kude neziko le-VA.

Icandelo leMedare B

Icandelo le-Medicare Icandelo B libonelela ngeendlela ezininzi zokugubungela ababoneleli beenkonzo zonyango ezingezizo i-VA kunye nezinye izinto isicwangciso sakho se-VA sokhathalelo lwempilo esingazukugubungela.

Ukufakwa kwe-VA kunokutshintsha ngokuhamba kwexesha kuxhomekeke kwinkxaso mali evela kwiCongress. Ukuba inkxaso-mali inqunyanyisiwe yokufumana ukhathalelo lwempilo lwe-VA, amagqala ayabekwa phambili ngokweemfuno. Oku kuthetha ukuba isigxina se-VA sokunakekelwa kwezempilo asiqinisekanga, kubalulekile ukukhumbula xa uqwalasela esinye isicwangciso sokhathalelo lwempilo njengokugubungela ukongeza.

Kubalulekile ukuba uqaphele ukuba ukuba awuyikubhalisela i-Medicare Part B kwangoko kwaye emva koko ulahlekelwe yi-VA, umrhumo wokubhaliswa kade uya kusebenza.

Icandelo lonyango Medic C

I-Medicare Icandelo C, ekwabizwa ngokuba yi-Medicare Advantage, ibonelela ngononophelo lwempilo i-VA kunye ne-Medicare esisiseko. Oku kubandakanya amazinyo, umbono, ukuva, amayeza amiselweyo, kunye nokunye.

Kukho ezinye izinto ekufuneka uziqwalasele xa usenza isigqibo sokuba ingaba i-Medicare Advantage ilungile na kuwe. Ngaphezulu kwezibonelelo zokugubungela ezongeziweyo, izicwangciso zeMedicare Advantage zibonelela ngenkxaso kuzo zonke iinkonzo zakho zokhathalelo lwempilo, iindlela ezahlukeneyo onokukhetha kuzo, kwaye amaxesha amaninzi ukonga ixesha elide.

Nangona kunjalo, kukho izinto ezithile ezinokubakho ezinokuthi ziqwalaselwe ngokunjalo, kubandakanya neendleko zesicwangciso esongezelelweyo, kufuneka uhlale ngaphakathi kwenethiwekhi yomnikezeli, kunye nokusilela kwengxelo xa useluhambeni.

Cinga ngeemfuno zakho zokugubungela kunye nohlahlo-lwabiwo mali xa usenza isigqibo sokuba loluphi uhlobo lwesicwangciso oluya kusebenza ngcono kuwe.

Icandelo leMedare D

Icandelo le-Medicare Icandelo D sisicwangciso sokuyalela. Nangona ngokubanzi inamaxabiso aphezulu eziyobisi kunesicwangciso se-VA, inokugubungela iziyobisi ezingagutyungelwanga yi-VA. Izicwangciso zeCandelo D zikuvumela ukuba uye kwikhemesti oyithandayo uze ugcwalise imigqaliselo evela koogqirha abangabo-VA.

Nangona kunjalo, ukuba awubhalisi kwangoko kwiCandelo D, kukho intlawulo eyongezelelweyo xa ubhalisile ukuba uhambe ngaphandle kokugubungela iziyobisi ngohlobo lweentsuku ezingama-63 ezilandelelanayo.

Ukuba unengxaki yokugubungela iindleko zamayeza akho, unokulungela inkqubo yoNcedo eyongezelelweyo yeMedicare. Ikwabizwa ngokuba yiCandelo D Inkxaso-mali yeNgeniso ePhantsi, le nkqubo ibonelela ngoncedo olongezelelekileyo lokuyalelwa ngokuxhomekeke kumvuzo wakho nakwinqanaba lemfuno yezemali.

Izicwangciso zeMedigap

Izicwangciso zokuncedisa, ezinje ngeMedigap, ziluncedo ekugubungeleni iimeko zongxamiseko okanye xa usiya ngaphandle kwe-US zikwanceda ukuba awuhlali kufutshane nomboneleli ovunyiweyo yi-VA okanye indawo yezonyango, okanye ukuba ukwindawo ephambili VA iqela leenzuzo.

I-VA kunye neMedicare zisebenza njani kunye?

Xa une-VA yokhathalelo lwempilo, i-VA ihlawula ukutyelelwa ngugqirha, imigqaliselo evela kubanikezeli be-VA, kunye nokutyelela kwiziko le-VA. I-Medicare iya kuhlawula naziphi na iinkonzo kunye nemigqaliselo evela kubanikezeli beenkonzo zonyango kunye nabangengabo i-VA.

Kukho amaxesha apho i-VA kunye neMedicare baya kuhlawula. Oku kunokwenzeka ukuba uye kwisibhedlele esingeyo-VA kwinkonzo evunyiweyo ye-VA okanye unyango, kodwa ufuna iinkqubo ezongezelelweyo ezingagutyungelwanga sisicwangciso sokhathalelo lwempilo lwe-VA. I-Medicare iya kuthatha ezinye zezo ndleko zongezelelweyo.

Khumbula nangona kunjalo, usenoxanduva kwi-premium yakho ye-Part B kunye neepesenti ezingama-20 zepayipi okanye iifizi zokuqinisekisa.

Xa ungathandabuzeki, unokuhlala uqhagamshelana ne-VA kunye ne-Medicare nayiphi na imibuzo ethile yokugubungela.

• Kwimibuzo yokufumana ukhathalelo lwempilo ye-VA, tsalela umnxeba ku-844-698-2311
• Kwimibuzo yokugubungela iMedicare, tsalela umnxeba kwi-800-MEDICARE

I-Medicare isebenza njani nge-TRICARE?

I-TRICARE ngumboneleli we-inshurensi yezonyango. Yophukile yaya kwizicwangciso ezahlukeneyo, ngokusekwe kwinqanaba lakho lomkhosi. Ezi zicwangciso zibandakanya:

• I-TRICARE Inkulumbuso
• I-TRICARE Inkulumbuso ekude
• I-TRICARE iNkulumbuso yaphesheya
• I-TRICARE iNkulumbuso yamazwe aphesheya
• TRICARE Khetha
• TRICARE Khetha phesheya
• I-TRICARE yoBomi
• I-TRICARE Indawo yokuGcina
• TRICARE Indawo yokuGcina uMhlala-phantsi
• UKUQWALASELWA kwabantu abadala
• Isicwangciso seMpilo yoSapho sase-US

Emva kokuba uthathe umhlala-phantsi kwinkonzo yasemkhosini kwaye ufikelele kwiminyaka engama-65, uya kufaneleka kwi-TRICARE yoBomi ukuba ubhalisile kwicandelo le-Medicare A kunye no-B.

I-TRICARE yoBomi igubungela ntoni?

Ixabiso loBomi liqwalasele umhlawuli wesibini. Oku kuthetha ukuba isicwangciso sakho seMedicare sihlawuliswa kuqala ngazo naziphi na iinkonzo zonyango ozifumanayo. Emva kokuba uMedare ehlawule, iTricare iya kubhatala intsalela, ukuba bayazigubungela ezo nkonzo.

Umzekelo

Uya emzimbeni wakho wonyaka kwaye uthunyelwe kwi-cardiologist okokuqala. Xa undwendwela i-cardiology, uxelelwa ukuba kufuneka ube ne-echocardiogram kunye novavanyo loxinzelelo.

Ugqirha wakho wokhathalelo oluphambili, ugqirha wenhliziyo, kunye nendawo ofumana kuyo olo vavanyo ziya kuthi zonke zihlawule ityala lakho leMedicare kuqala. Nje ukuba i-Medicare ihlawule yonke into egqunywe phantsi kwesicwangciso sakho, intsalela yebhilikhwe ngokuzenzekelayo ithunyelwa kwi-TRICARE.

Isicwangciso sakho se-TRICARE siza kugubungela iindleko ezishiyekileyo ezingahlawulwanga nguMedare, kunye nalo naluphi na uqinisekiso lwemali kunye nokuncitshiswa kwemali onokuthi uhlawulwe.

Ungabhalisa kwiTricare yoBomi ngexesha lokubhaliswa kwe-TRICARE evulekileyo, eqala ngo-Novemba. Unokuphinda ubhalise ngaphandle kwexesha elivulekileyo ukuba uneziganeko zobomi ezifanelekileyo njengokuthatha umhlala-phantsi emsebenzini, umtshato okanye ukufa kwelungu losapho. Uneentsuku ezingama-90 emva kwesiganeko sobomi esifanelekileyo sokutshintsha isigubungelo sakho okanye ukubhaliswa.

Ndibhalisa njani kwiMedicare?

Ungabhalisa ngokulula kwiMedicare kwi-intanethi. Kukho izinto ezimbalwa ekufuneka uzikhumbule:

• Ukuba usondela kwiminyaka engama-65, ungabhalisa ngexesha lokubhalisa lokuqala. Ubhaliso kumacandelo e-Medicare A kunye no-B aqala kwiinyanga ezintathu ngaphambi kokuba ube neminyaka engama-65, inyanga yokuzalwa kwakho, kunye neenyanga ezi-3 emva kokuba ujike iminyaka engama-65.
• Ukuba awubhalisanga, ufuna ukwenza utshintsho kwindawo ekhoyo ye-Medicare A okanye B, okanye ungaphezulu kweminyaka yobudala engama-65 kodwa usajonge ukubhalisa, ixesha lokubhalisa elivulekileyo liJanuwari 1-Matshi 31 minyaka le.

Ukuqala ngobhaliso, ndwendwela iphepha lokubhalisa likaMedare kwaye ulandele inyathelo.

Ndingasikhetha njani isicwangciso sokhuselo olongezelelweyo?

Ukuba ujonge ukongeza i-Medicare yakho kunye ne-VA yokugubungela ngezicwangciso ezongezelelweyo, unokukhetha ezimbalwa:

• Uncedo lweMedicare (Icandelo C)
• Icandelo leMedare D
• IMedigap

Ezi zicwangciso ziyafumaneka kwiinkampani zeinshurensi zabucala kwaye zinokuhlawula iindleko ezingaphezulu kweepokotho ezingagqitywanga zizicwangciso zezempilo ze-VA okanye zeMedicare. Ezi ndleko zinokubandakanya:

• Uqinisekiso lwemali, iikopi, okanye iipremiyamu ezivela kwiCandelo B
• Iindleko zamachiza amiselweyo
• izixhobo zonyango
• iinkonzo zombono ukunceda ukuhlawulela iiglasi kunye nabafowunelwa
• wamazinyo, kubandakanya ukhuseleko kunye nokugubungela unyango
• Ukukhutshwa kweziyobisi ngugqirha
• iinkonzo zokuva ukunceda ukuhlawulela izixhobo zokuva kunye neemvavanyo
• Inkqubo yokomelela komzimba okanye impilo, kubandakanya ubulungu bokuzivocavoca

Xa ujonga ukhuselo olongezelelweyo, uphando ukuba zeziphi iinkonzo esele zigutyungelwe zizicwangciso zakho esele zikho. Ukuba ucinga ukuba uzakufuna ukhuselo olungaphezulu kwixesha elizayo okanye usandula ukufumanisa ukuba unesifo esinganyangekiyo, unokufuna ukuqaphela ukuthenga iiplani zokuncedisa.

Nayi imibuzo embalwa onokuzibuza yona njengoko ucinga ukhetho olufanelekileyo:

• Ngaba imigqaliselo oyikhethileyo kunye noogqirha zibandakanyiwe kwisimbozo sakho esele sikhona?
• Ngaba kunokwenzeka ukuba uya kufuna izixhobo zonyango okanye unyango oluninzi kungekudala?
• Ukuba awunayo nayiphi na imeko engapheliyo, ngaba unengxelo eninzi kakhulu? Ngaba uza kuyisebenzisa?

Ndizigcina njani iindleko zam ziphantsi?

Ukuba iindleko ngumba, kukho iiplani zepremiyamu ze- $ 0 zepremiyamu. Gcina ukhumbula, kunokubakho ukusikelwa umda kukugubungela kwaye ngababoneleli onokubabona.Unokusebenzisa ezinye iinkqubo zoncedo ezinje ngeMedicaid kunye noNcedo olongezelelweyo, ukuba uyahlangabezana neemfuno zokufaneleka.

Ukuthatha

Ukuba ungumlindi kunye ne-VA yokunakekelwa kwezempilo kwaye uneminyaka engaphezu kwama-65, ukubhalisa kwisicwangciso se-Medicare kunokubonelela nge-inshurensi efanelekileyo.

Izicwangciso ze-VA kunye ne-TRICARE zinokuncediswa ngezicwangciso zeMedicare. Izicwangciso ezongezelelweyo zokuncedisa ziyafumaneka kwi-Medicare, kwaye unokukhetha enye ehlangabezana neendleko zakho kunye neemfuno zezibonelelo.

Kukho iindlela ezininzi zokukunceda ukuba wenze inkqubo yokunyamekela impilo emva kweminyaka engama-65.