Ngaba amayeza anokunceda ukuhlawulela amazinyo akho okufakelwa?

Umxholo

• Yintoni amazinyo okufakelwa?
• I-Medicare iwafihla nini amazinyo okufakelwa?
• Zeziphi izicwangciso zeMedicare ezingangcono ukuba uyazi ukuba ufuna amazinyo okufakelwa?
• Icandelo lezaMayeza A
• Icandelo leMedare B
• Icandelo leMedicare C (Uncedo lweMedicare)
• Icandelo leMedare D
• IMedigap
• Zithini iindleko zokuphuma epokothweni zamazinyo okufakelwa ukuba unayo iMedicare?
• Ixesha elibekiweyo lokubhaliswa kwamayeza
• Ixesha elibekiweyo leMedicare
• Umgca wezantsi

Njengokuba sikhula, ukubola kwamazinyo kunye nokulahleka kwamazinyo kuqhelekile kunokuba ucinga. Ngo-2015, amaMelika ayephulukene nelinye izinyo, kwaye nangaphezulu kokulahleka onke amazinyo.

Ukuphulukana namazinyo kungakhokelela kwezinye iingxaki zempilo, ezinje ngokutya okungalunganga, iintlungu, kunye nokuzithoba. Isisombululo sesinye ngamazinyo emboleko, anokunceda ekuphuculeni impilo yakho ngeendlela ezininzi, kubandakanya ukuphucula amandla akho okuhlafuna ukutya kwakho, ukunika inkxaso kumhlathi wakho, ukugcina ingqibelelo yolwakhiwo lobuso bakho, nokubuyisela uncumo lwakho.

I-Medicare yoqobo (iCandelo leMedicare A) alizibandakanyi iinkonzo zamazinyo, ezibandakanya izixhobo zamazinyo ezinjengamazinyo okufakelwa; Nangona kunjalo, ezinye iindlela zokhathalelo lwempilo, ezinje ngeMedicare Advantage (Medicare Part C) kunye nemigaqo-nkqubo yeinshurensi ezimeleyo inokukunceda ukugubungela okanye ukwehlisa iindleko zakho zokuphuma epokothweni ngamazinyo okufakelwa.

Yintoni amazinyo okufakelwa?

Amazinyo okufakelwa afakwa endaweni yamazinyo angekhoyo. Amazinyo okufakelwa afakelwe emlonyeni wakho, kwaye anokubuyisela amazinyo akho ambalwa okanye onke amazinyo.

"Amazinyo okufakelwa" abhekisa kuphela kumazinyo obuxoki anokufakwa emlonyeni wakho. Ngokwesiqhelo ziyasuswa. Amazinyo okufakelwa awafani nofakelo lwamazinyo, iibhulorho, izithsaba okanye izinto zokuthambisa izinyo.

I-Medicare iwafihla nini amazinyo okufakelwa?

Ukuba unempilo ofuna ukuba ususwe ngotyando, i-Medicare inokubonelela ngokukhutshwa kwezinyo. Kodwa i-Medicare yoqobo ayikugubungeli ukufakwa kwalo naluphi na uhlobo, nangasiphi na isizathu.

Ukuba uhlawula isicwangciso seMedicare Part C (Medicare Advantage), isicwangciso sakho esithile sinokubonelela ngezibonelelo zokugubungela amazinyo, kubandakanya amazinyo okufakelwa. Ukuba unayo i-Medicare Advantage, kuya kufuneka ubize umnikezeli wakho we-inshurensi ukuze aqinisekise ukuba unogonyo lwamazinyo okufakelwa. Buza ukuba ngaba kukho iikhrayitheriya ezithile ekufuneka uhlangabezane nazo ukuze ufanelekele olo bhengezo.

Zeziphi izicwangciso zeMedicare ezingangcono ukuba uyazi ukuba ufuna amazinyo okufakelwa?

Ukuba uyazi ukuba uzakufuna amazinyo okufakelwa kulo nyaka, unokufuna ukujonga imeko yakho yangoku yezempilo ukuze ubone ukuba ungazuza na ngokutshintshela kumgaqo-nkqubo we-Medicare Advantage. Imigaqo-nkqubo ye-inshurensi ezimeleyo inokukunceda ukuhlawula iindleko zamazinyo.

Icandelo lezaMayeza A

Icandelo le-Medicare A (i-Medicare yoqobo) ibonelela ngesibhedlele esibhedlele. Ukuba unesimo sempilo esifuna ukukhutshwa kwamazinyo esibhedlele okungxamisekileyo esibhedlele, sinokugqunywa phantsi kweCandelo leMedicare A. Amazinyo okufakelwa okwenziweyo okanye ukufakelwa kwamazinyo okufunekayo ngenxa yotyando akufakwanga kolo bume.

Icandelo leMedare B

Icandelo leMedicare B kukugubungela ukuqeshwa kukagqirha, ukhathalelo lokuthintela, izixhobo zonyango, kunye neenkqubo zonyango. Nangona kunjalo, icandelo leMedicare B lenza njalo hayi yokugubungela iinkonzo zamazinyo, ezinje ngokuhlolwa kwamazinyo, ukucoca, iiX-reyi, okanye izixhobo zamazinyo ezinje ngamazinyo okufakelwa.

Icandelo leMedicare C (Uncedo lweMedicare)

Uncedo lweMedicare (Icandelo C) luhlobo lokugubungela iMedicare olunikezelwa ziinkampani zeinshurensi zabucala. Ezi zicwangciso ziyafuneka ukugubungela yonke into egubungelwa yiMedicare. Ngamanye amaxesha, bagubungela ngakumbi. Kuxhomekeke kwisicwangciso sakho, iinkonzo zamazinyo zinokugqunywa kwaye zinokuhlawula ezinye okanye zonke iindleko zamazinyo akho emboleko.

Icandelo leMedare D

Icandelo leMedicare D ligubungela amayeza amiselweyo. Icandelo leMedicare D lifuna i-premium yenyanga eyahlukileyo kwaye ayifakwanga kwi-Medicare yoqobo. Icandelo D aliboneleli ngamazinyo, nangona linokugubungela amayeza eentlungu omiselweyo emva kotyando lomlomo.

IMedigap

Izicwangciso zeMedigap, ezibizwa ngokuba zizicwangciso zokuncedisa i-Medicare, zinokukunceda ukuzisa iindleko ze-Medicare ze-coinsurance, ii-copays kunye nokunciphisa. Izicwangciso zeMedigap zingenza ukuba i-Medicare ibe yexabiso eliphantsi, nangona kufuneka uhlawule ipremiyamu yenyanga yezicwangciso zokuncedisa.

I-Medigap ayiyandisi indawo yokugubungela i-Medicare yakho. Ukuba uneMedare yesiNtu, umgaqo-nkqubo weMedigap awuyi kutshintsha into oyihlawulayo ngaphandle kwepokotho ngamazinyo okufakelwa.

I-Medicare ayihlali igubungela naziphi na iinkonzo zamazinyo. Zimbalwa kuphela izinto ezibonakalayo ngaphandle:

• I-Medicare iya kugubungela iimviwo zomlomo ezenziwe esibhedlele ngaphambi kokutshintshwa kwezintso kunye nokuhlinzwa kwentliziyo yevalve.
• I-Medicare iya kugubungela ukukhutshwa kwezinyo kunye neenkonzo zamazinyo ukuba zibonakala ziyimfuneko ukunyanga enye, imeko engeyiyo yamazinyo.
• I-Medicare iya kugubungela iinkonzo zamazinyo ezifunekayo ngenxa yonyango lomhlaza.
• I-Medicare iya kugubungela utyando lomhlathi kunye nokulungiswa ngenxa yengozi ebuhlungu.

Zithini iindleko zokuphuma epokothweni zamazinyo okufakelwa ukuba unayo iMedicare?

Ukuba unayo iMedicare yoqobo, ayizukuhlawula naziphi na iindleko zamazinyo emboleko. Kuya kufuneka uhlawule zonke iindleko zokufakelwa epokothweni.

Ukuba unesicwangciso se-Medicare Advantage esibandakanya ukukhutshwa kwamazinyo, eso sicwangciso sinokuhlawula inxalenye yeendleko zamazinyo. Ukuba uyazi ukuba ufuna amazinyo okufakelwa, jonga izicwangciso zeAdvantage ezibandakanya amazinyo ukubona ukuba olo gulo lwamazinyo lubandakanya amazinyo emboleko na. Unokuqhagamshelana nomboneleli weinshurensi ngaso nasiphi na isicwangciso seMedicare Advantage ukuqinisekisa into egqunywe sisicwangciso esithile.

Amazinyo okufakelwa anokubiza naphi na ukusuka kwi- $ 600 ukuya ngaphezulu kwe- $ 8,000 ngokuxhomekeke kumgangatho wamazinyo owukhethayo.

Uya kudinga ke ukuhlawulela amazinyo okufakela amazinyo kunye nolunye uhambiso, iimvavanyo zokuqonda isifo, okanye amadinga ongezelelweyo onawo nogqirha wakho wamazinyo. Ngaphandle kokuba une-inshurensi ezimeleyo yamazinyo ukongeza kwi-Medicare okanye unesicwangciso se-Medicare Advantage esibandakanya ukogquma amazinyo, konke oku kuphuma epokothweni, nako.

Ukuba ulilungu lomanyano, umbutho oqeqeshiweyo, umbutho wamagqala, okanye umbutho wabantu abadala, unokufumana izaphulelo kunye nogqirha wakho wamazinyo. Nxibelelana nogqirha wakho wamazinyo ukubuza malunga nabuphi na ubulungu okanye iinkqubo zesaphulelo kwiklabhu abanokuthi bathathe inxaxheba kuzo.

Ukuba umndilili weendleko zonyango lwakho lwamazinyo kwaye wahlulahlula nge-12, unokuqikelela okukuko kukhathalelo lwamazinyo lwakho olukuxabisa inyanga nenyanga. Ukuba unokufumana ukogquma amazinyo okubiza imali engaphantsi kwelo xabiso, ungonga imali kumazinyo kunye nokuqeshwa kwamazinyo unyaka wonke.

Ixesha elibekiweyo lokubhaliswa kwamayeza

Nazi ixesha elibekiweyo lokukhumbula i-Medicare Advantage kunye namanye amalungu eMedare:

Ixesha elibekiweyo leMedicare

Umgca wezantsi

IMedicare yoqobo ayizukuhlawula iindleko zamazinyo emboleko. Ukuba uyazi ukuba udinga amazinyo amatsha kunyaka ozayo, ukhetho lwakho oluphambili lunokutshintshela kwisicwangciso seMedicare Advantage esibonelela ngogqirha wamazinyo ngexesha elilandelayo lokubhaliswa kweMedicare.

Olunye ukhetho olunokuthi luqwalaselwe kukuthenga i-inshurensi yabucala yamazinyo.

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.