Ngaba unyango ngamayeza aluCoca?

Umxholo

• Luthini ukhetho lwakho lonyango lomhlaza?
• Lulugubungela nini unyango lomhlaza?
• Zeziphi izicwangciso zonyango ezigubungela unyango lomhlaza?
• Icandelo lezaMayeza A
• Icandelo leMedare B
• Icandelo leMedicare C (Uncedo lweMedicare)
• Icandelo leMedare D
• Unyango lweMedare (iMedigap)
• Ndizifumana njani iindleko zam ezingaphandle kwepokotho zonyango lomhlaza?
• Umgca wezantsi

Iindleko zokunyanga umhlaza zongezwa ngokukhawuleza. Ukuba unayo i-Medicare, uninzi lwezo ndleko zibandakanyiwe kukugubungela.

Eli nqaku liza kuphendula imibuzo esisiseko malunga nendlela yokufumanisa ukuba uza kuhlawulwa malini kunyango lwakho lomhlaza ukuba une-Medicare.

Ukuba ufumana isifo somhlaza esinzulu, unokufuna ukubiza uMnxeba wezeMpilo kwi-Medicare kwi-800-633-4227. Lo mgca ufumaneka nge-24/7 kwaye unokukunika iimpendulo ezithile malunga nokulindela iindleko zakho.

Luthini ukhetho lwakho lonyango lomhlaza?

Unyango lomhlaza lubalasele ngokukodwa. Iindidi zoogqirha zisebenza kunye ukuza nesicwangciso sonyango esijongana neemfuno zakho. Isicwangciso sonyango somhlaza esibanzi siya kubandakanya enye okanye nangaphezulu kwezi ndlela zonyango zilandelayo, zonke ezinokuthi zigutyungelwe yiMedicare.

• Ugqirha. Utyando lunokucetyiswa ekususeni izicwili zomhlaza.
• Unyango ngamayeza. I-Chemotherapy ibandakanya imichiza enikezwe ngomlomo okanye ngemithambo-luvo ukubulala iiseli zomhlaza kunye nokuyeka umhlaza ukusasazeka.
• Imitha. Unyango ngemitha lusebenzisa imitha enamandla okubulala iiseli zomhlaza.
• Unyango lweHormone. Unyango lwehormone lusebenzisa iihomoni zokwenziwa kunye neehommone blocker ukujolisa kumhlaza osebenzisa iihomoni ukukhula.
• Unyango lwe-Immunotherapy. Amachiza e-Immunotherapy asebenzisa amajoni omzimba wakho ukuhlasela iiseli zomhlaza.
• Unyango lwemfuzo. Olu nyango lutsha luhambisa intsholongwane kwiseli yomhlaza eya kuthi ijolise kwaye incede ukuyitshabalalisa.

Olunye uhlobo lonyango lomhlaza olungagutyungelwanga yiMedicare lolunye unyango okanye unyango olupheleleyo. Ezi zonyango, ezinokubandakanya utshintsho lokutya, izongezo, iioyile, kunye nezicatshulwa zendalo, aziyonxalenye yesifo somhlaza sikaMedare.

Lulugubungela nini unyango lomhlaza?

I-Medicare igubungela unyango lomhlaza oluchazwe ngugqirha owamkela iMedare.

I-Medicare ihlawula iipesenti ezingama-80 zento obonelela ngayo umboneleli wakho ngamatyala anyangiweyo, amkelweyo kunyango lomhlaza. Unoxanduva lweepesenti ezingama-20 zesixa-mali esihlawulisiweyo de ubethe imali yakho yonyaka ekhutshiweyo.

Olunye utyelelo lukagqirha kunye neenkqubo kufuneka zihlangane neenqobo ezizodwa zokuvunywa yiMedicare.

Umzekelo, ukuba ufuna utyando, i-Medicare iyakuhlawulela ukuba ubonane ne-oncologist yotyando kunye nenye i-oncologist yotyando ngombono wesibini. I-Medicare iyakuhlawulela ukufumana uluvo lwesithathu, kodwa kuphela ukuba oogqirha bokuqala nabesibini abavumi.

Ukuba unayo i-Medicare, igubungela unyango lomhlaza nokuba umdala kangakanani. Ukuba unayo i-Medicare Part D, amayeza amayeza ayinxalenye yonyango lomhlaza wakho ayagqunywa.

Zeziphi izicwangciso zonyango ezigubungela unyango lomhlaza?

I-Medicare yinkqubo yomanyano e-United States, ilawulwa yimithetho emininzi. Le migaqo-nkqubo "yinxalenye" ​​ye-Medicare. Amacandelo ahlukeneyo e-Medicare agubungela imiba eyahlukeneyo yonyango lwakho lomhlaza.

Icandelo lezaMayeza A

Icandelo leMedicare A, ekwabizwa ngokuba yiMedicare yoqobo, ligubungela ukhathalelo lwesibhedlele. Uninzi lwabantu aluhlawuli i-premium yenyanga kwi-Medicare Part A.

Unonophelo lomhlaza kunye neenkonzo icandelo A zibandakanya kubandakanya:

• unyango lomhlaza
• umsebenzi wegazi
• uvavanyo lokuqonda isifo olufumanayo ngelixa usesibhedlele
• Inkqubo yotyando lwangaphakathi ekususeni ubunzima bomhlaza
• uqhaqho olufakelweyo ebeleni emva kwembumba

Icandelo leMedare B

Icandelo leMedicare B ligubungela ukhathalelo lwempilo yezigulana eziyimfuneko. Icandelo le-Medicare Icandelo B ligubungela uninzi lweentlobo zonyango lomhlaza.

Unonophelo lomhlaza kunye neenkonzo ezibandakanywa yinxalenye B zibandakanya:

• utyelelo kunye nengcali yakho ngokubanzi
• utyelelo kwi-oncologist kunye nezinye iingcali
• uvavanyo lokuqonda isifo, njengeX-reyi nomsebenzi wegazi
• utyando lwangaphandle
• ngenaliti kunye nezinye zonyango ngomlomo zonyango
• izixhobo zonyango ezizinzileyo, ezinjengezihambahamba, izitulo ezinamavili, kunye neempompo zokondla
• iinkonzo zempilo yengqondo
• Uvavanyo oluthile lothintelo

Icandelo leMedicare C (Uncedo lweMedicare)

I-Medicare Icandelo C, ngamanye amaxesha elibizwa ngokuba yi-Medicare Advantage, libhekisa kwizicwangciso ze-inshurensi zangasese ezizimeleyo ezihlanganisa izibonelelo zamayeza e-Medicare A kunye no-B, kwaye ngamanye amaxesha iCandelo D.

Ezi zicwangciso zeinshurensi yezempilo yabucala ziyafuneka ukugubungela yonke into enokugubungela iMedicare yoqobo. Iiprimiyamu zeCandelo leMedare C ngamanye amaxesha liphezulu, kodwa izinto ezinje ngeenkonzo ezigutyungelweyo, oogqirha abathatha inxaxheba, kunye neepopay zinokubonelela ngeendlela ezingcono kwabanye abantu.

Icandelo leMedare D

Icandelo leMedicare D ligubungela amayeza amiselweyo. I-Medicare Icandelo D linokugubungela amayeza e-chemotherapy ngomlomo, amayeza e-antinausea, amayeza entlungu, kunye namanye amayeza awamiselwa ngugqirha njengenxalenye yonyango lomhlaza.

Olu bhengezo aluzenzekeli ngokuzenzekelayo luyinxalenye ye-Medicare okanye ye-Medicare Advantage, kwaye izicwangciso ezahlukeneyo zinezithintelo ezahlukeneyo apho baya kugubungela khona iziyobisi.

Unyango lweMedare (iMedigap)

Imigaqo-nkqubo yeMedigap yimigaqo-nkqubo yabucala yeinshurensi enceda ukuhlawula isabelo sakho kwiindleko zeMedare. Kuya kufuneka uhlawule ipremiyamu yeMedigap, kwaye ngokutshintshiselana, isicwangciso sinciphisa okanye siphelise ezinye iikopi kwaye sinokuhlisa isiqinisekiso sakho semali kunye nenani elitsalelweyo.

Ndizifumana njani iindleko zam ezingaphandle kwepokotho zonyango lomhlaza?

Ngaphambi kokuba uye nakowuphi na ugqirha kunyango lwakho lomhlaza, tsalela umnxeba iofisi yabo kwaye ubone ukuba "bayasamkela na isabelo." Oogqirha abamkela isabelo bathathe isixa semali esihlawulwa nguMedare, kunye nokuhlawulwa kwakho, kwaye bajonga ukuba "intlawulo epheleleyo" yeenkonzo.

Oogqirha abakhethe ukuphuma kwiMedicare banokubiza ngaphezulu kwesixa semali esiya kuthi sihlawulwe ngonyango lwakho, kukushiye uxanduva lokuseleyo, ukongeza kwi-copay yakho.

I-avareji yeendleko zokuphuma epokothweni kunyango lomhlaza ziyahluka. Uhlobo lomhlaza onawo, ukuba ndlongondlongo kwawo, kunye nohlobo lonyango abalunikezayo oogqirha zizinto zonke eziya kuthi zibize malini.

ifumanise ukuba i-avareji yonyaka yokuphuma kwe-epokothweni iindleko zonyango lomhlaza zivela kwi- $ 2,116 ukuya kwi-8,115 yeedola ngokuxhomekeke kuhlobo luni lwe-Medicare okanye abathathi-nxaxheba bomshuwalense.

Ukuba ufumana ukuxilongwa kwanoma yiluphi uhlobo lomhlaza, uya kudibana ne-Medicare yakho echithwayo kwiCandelo B kuloo nyaka. Ngo-2020, imali echithwayo kwi-Medicare Part B yi- $ 198.

Ukongeza kwiipremiyamu zakho zanyanga zonke, uya kuba noxanduva lweepesenti ezingama-20 zeendleko zezigulana ezingalaliswanga ude ufike kuloo mali itsalwayo yonyaka.

Ukuba unyango lwakho lubandakanya ukuhlala esibhedlele, utyando lwesigulana, okanye ezinye iintlobo zonyango lwangaphakathi, ingaqala ukusebenza kumawakawaka eedola, nkqu neMedicaid okanye enye i-inshurensi.

Umgca wezantsi

Unyango lomhlaza lunokubiza kakhulu. I-Medicare ifunxa okuninzi kwezi ndleko, kodwa kusafuneka uhlawule isahlulo esibalulekileyo sazo.

Ngaphambi kokuba uqale naluphi na unyango, kubalulekile ukuba uqiniseke ukuba ugqirha wamkela isabelo. Ukubuza imibuzo malunga neendleko kwaye ukuba kukho iindlela ezingabizi kakhulu ezikhoyo kunokukunceda ukunciphisa iindleko zokhathalelo lwakho.

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.

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