Ngaba amayeza ayakugubungela ukutyandwa?

Umxholo

• Unyango lwe-Medicare lokuhlinzwa ngasemva
• Icandelo le-Medicare Icandelo A (iinshurensi yesibhedlele)
• Icandelo le-Medicare Icandelo B (i-inshurensi yonyango)
• Ixabisa malini utyando lwasemva ngonyango?
• Imizekelo yeendleko zotyando lwangasemva
• Ngaba i-Medicare igubungela zonke iintlobo zotyando lwasemva?
• Yise kude

Ukuba utyando lwakho lwangasemva lubonwa luyimfuneko ngugqirha, i-Medicare yoqobo (Icandelo A kunye neCandelo B) iya kuyigubungela.

Ukuba ufumana iintlungu zangasemva, thetha nogqirha wakho malunga nonyango olucetyiswayo olunokubandakanya:

• Uxilongo
• amayeza
• ulungiso lwenyama
• utyando

Banokukwazisa ukuba kutheni beziva ukuba ezi nkqubo ziyimfuneko kwaye ukuba zigqunyiwe yiMedicare.

Unyango lwe-Medicare lokuhlinzwa ngasemva

Unyango lwe-Medicare lokuhlinzwa ngasemva ngesiqhelo lubonisa ukubonwa kolunye unyango oluyimfuneko, ukuhlala esibhedlele, kunye nokulandela.

Icandelo le-Medicare Icandelo A (iinshurensi yesibhedlele)

Icandelo lezaMayeza A igubungela ukhathalelo lwezibhedlele ezingalaliswayo, ngokubonelela ukuba:

• isibhedlele samkela i-Medicare
• uyangeniswa ngokomyalelo kagqirha osemthethweni obonisa ukuba ufuna unyango lwezigulana ezingalaliswayo

Ungadinga imvume yokuhlala kwakho esibhedlele kwiKomiti yokuHlolwa kokuSetyenziswa kwesibhedlele.

Unyango lokunyamekela abaguli kwizibhedlele kubandakanya:

• amagumbi okulala abucala (igumbi labucala kuphela xa kunyanzelekile)
• ubuhlengikazi ngokubanzi (hayi ubuhlengikazi babucala)
• izidlo
• iziyobisi (njengenxalenye yonyango lwezigulana)
• Iinkonzo zesibhedlele esiqhelekileyo kunye nokubonelelwa (hayi izinto zokhathalelo lomntu njengeisokisi ezimtyibilizi okanye iireyitha)

Icandelo le-Medicare Icandelo B (i-inshurensi yonyango)

Icandelo leMedare B igubungela iinkonzo zikagqirha wakho ngexesha lokuhlala kwakho esibhedlele kunye neenkonzo zonyango ngaphandle kokukhululwa kwakho esibhedlele.Enye i-inshurensi, ezinje ngezicwangciso zeMedicare Supplement (Medigap), i-Medicare Part D (iyeza lokuyalela), okanye izicwangciso ze-Medicare Advantage ziyafumaneka kuwe xa ulungela iMedicare.

Ukuba unolu hlobo lweinshurensi eyongezelelweyo kunye neMedicare, iya kuba nefuthe kwixabiso olilihlawulayo ngonyango lwakho lwasemva kunye nokubuyiselwa.

Ixabisa malini utyando lwasemva ngonyango?

Kunzima ukumisela iindleko ezichanekileyo ngaphambi koqhaqho lwasemva, kuba iinkcukacha zeenkonzo onokuzifuna azaziwa. Umzekelo, unokufuna usuku olongezelelekileyo esibhedlele ngaphaya kokuxelwa kwangaphambili.

Ukuqikelela iindleko zakho:

• Buza ugqirha wakho kunye nesibhedlele ukuba bacinga kangakanani ukuba kuya kufuneka uhlawule ngotyando kunye nolondolozo olulandelayo. Jonga ukubona ukuba ngaba zikhona iinkonzo ezinconywayo ukuba i-Medicare ayigubungeli.
• Ukuba unayo enye i-inshurensi, njengomgaqo-nkqubo weMedigap, nxibelelana nabo ukuze ubone ukuba yeyiphi indleko abaza kuyigubungela kwaye bacinga ukuba kuya kufuneka uhlawule ntoni.
• Jonga iakhawunti yakho ye-Medicare (MyMedicare.gov) ukuze ubone ukuba udibene nenxalenye A kunye neCandelo B.

Le theyibhile ibonelela ngomzekelo weendleko ezinokubakho:

Icandelo le-Medicare Icandelo le-coinsurance yi- $ 0 ngeentsuku 1 ukuya ku-60 kwisibonelelo ngasinye.

Imizekelo yeendleko zotyando lwangasemva

Iwebsite ye-Medicare.gov yenza ukuba amaxabiso enkqubo ezithile afumaneke. Ezi xabiso azibandakanyi iifizi zogqirha kwaye zisekwe kumyinge wesizwe we-Medicare ukusuka kwi-2019.

Le theyibhile ingakunika into onokuyibhatala ezinye zeenkonzo ezichaphazelekayo kuqhaqho olusemqolo wakho.

Ngaba i-Medicare igubungela zonke iintlobo zotyando lwasemva?

Nangona i-Medicare ihlala igubungela utyando oluyimfuneko kwezonyango, jonga kugqirha wakho ukuze uqiniseke ukuba i-Medicare igubungela uhlobo lotyando olucebisayo.

Iindidi eziqhelekileyo zokuhlinzwa ngasemva zibandakanya:

• ukungasebenzi
• I-spinal laminectomy / uxinzelelo lomqolo
• I-vertebroplasty kunye ne-kyphoplasty
• ucinezelo lwediski yeplasma / iplasma
• ifomotomy
• ukudibana komqolo
• iidiski ezingezizo ezokwenziwa

Yise kude

Ukuba ugqirha wakho ubonakalisa ukuba utyando lwasemva luyimfuneko kuwe, ngesiqhelo luya kugutyungelwa yiMedicare yoqobo (Icandelo A kunye neCandelo B).

Ukuchonga ukuba kungakanani ukubuyela umva okuya kukuhlawula emva kweentlawulo zeMedare kunzima kuba iinkonzo ezichanekileyo oza kuzifikelela azaziwa.

Ugqirha wakho kunye nesibhedlele kufuneka sikwazi ukubonelela ngoqikelelo olufundisiweyo.

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.