Ngaba amayeza ayazigubungela iiNdawo zoGqirha?

Umxholo

• Ngaba unyango lukugubungela nini ukutyelelwa ngugqirha?
• Ngawaphi amacandelo eeMedicare agubungela utyelelo lukagqirha?
• Ngaba i-Medicare ayigubungeli nini ukutyelelwa kwezonyango?
• Ukuthatha

I-Medicare Icandelo B ligubungela uluhlu olubanzi lotyelelo logqirha, kubandakanya nokuqeshwa okuyimfuneko kunyango kunye nokukhusela. Nangona kunjalo, into engagutyungelwanga inokukothusa, kwaye ezo zimanga zinokuza ne-bill ephezulu.

Nantsi into ekufuneka uyazi malunga nokugubungela kunye neendleko - ngaphambi kokuba ubhukishe utyelelo lukagqirha wakho olandelayo.

Ngaba unyango lukugubungela nini ukutyelelwa ngugqirha?

Icandelo leMedicare B ligubungela iipesenti ezingama-80 zeendleko ezivunyiweyo zeMedicare zokundwendwela kukagqirha okuyimfuneko.

Oku kubandakanya iinkonzo zezigulana ezingalaliswayo ozifumanayo kwi-ofisi kagqirha wakho okanye eklinikhi. Ikwaquka ezinye zezigulana ezilaliswayo esibhedlele. Ukuze ufumane ukugubungela, ugqirha wakho okanye umthengisi wezonyango kufuneka agunyaziswe yi-Medicare kwaye amkele isabelo.

I-Medicare Icandelo B likwagubungela iipesenti ezingama-80 zeendleko ezivunyiweyo ze-Medicare zeenkonzo zokuthintela ozifumanayo kugqirha wakho okanye komnye umboneleli wezonyango. Oku kubandakanya ukuqeshwa kwempilo-ntle, njengokuhlolwa konyaka okanye kweenyanga ezi-6.

Ukuxhuzulwa kwakho konyaka kuya kufuneka kuhlangatyezwane nako phambi kokuba i-Medicare igubungele iipesenti ezingama-80 zokundwendwela kukagqirha okuyimfuneko. Ngo-2020, ukuxhuzulwa kweCandelo B yi- $ 198. Oku kubonisa ukwanda kweedola ezili-13 ukusuka kwi-185 yonyaka ngo-2019.

Iinkonzo zokuthintela ziya kuhlawulwa ngokupheleleyo yi-Medicare, nokuba i-deductible yakho ayikadibana.

I-Medicare iya kugubungela utyelelo logqirha ukuba ugqirha wakho ngugqirha (MD) okanye ugqirha wamayeza e-osteopathic (DO). Kwiimeko ezininzi, baya kugubungela inkathalo yonyango okanye yothintelo ebonelelwa ngu:

• oogqirha bengqondo
• oonontlalontle bezonyango
• Iingcali zonyango
• intetho ulwimi lwezifo
• Abongikazi
• iingcali zabahlengikazi bezonyango
• abancedisi boogqirha
• iingcali zonyango

Ngawaphi amacandelo eeMedicare agubungela utyelelo lukagqirha?

Icandelo leMedicare B ligubungela utyelelo logqirha. Ngokunjalo nezicwangciso zeMedicare Advantage, ekwabizwa ngokuba yiMedicare Part C.

I-inshurensi yokuxhasa iMedigap igubungela ezinye, kodwa ayizizo zonke, utyelelo logqirha olungagutyungelwanga yiCandelo B okanye iCandelo C. Umzekelo, iMedigap iya kugubungela iindleko ezithile ezinxulunyaniswa nengcali yezonyango okanye ugqirha wezamayeza, kodwa ayizukugubungela ukwenziwa kotyando okanye ukuqeshwa kwamazinyo.

Ngaba i-Medicare ayigubungeli nini ukutyelelwa kwezonyango?

I-Medicare ayigubungeli iinkonzo ezithile zonyango onokuthi uziqwalasele njengokuthintela okanye ziyimfuneko kwezonyango. Nangona kunjalo, ngamanye amaxesha kukho ukungafani kulo mthetho.

Ngemibuzo malunga nokugubungela i-Medicare yakho, nxibelelana nomnxeba wenkonzo yabathengi kwi-Medicare ku-800-633-4227, okanye undwendwele inkqubo ye-inshurensi yezempilo ye-inshurensi (SHIP) okanye ubatsalele umnxeba ku-800-677-1116.

Ukuba ugqirha wakho uvumela i-Medicare ukuba yonyango iyimfuneko, inokugutyungelwa ngokuyinxenye okanye ngokupheleleyo. Kwezinye iimeko, unokufumana iindleko zonyango ezongezelelweyo, ezingaphandle kweepokotho. Hlala ujonga ngaphambi kokuba ucinge ukuba i-Medicare iyakuhlawula okanye ayiyi kuhlawula.

Ezinye iimeko apho i-Medicare ingayi kuhlawulela ukuqeshwa ngonyango ibandakanya oku kulandelayo:

• I-Medicare ayizukugubungela ukuqeshwa kunye nonyango lweenyawo lweenkonzo eziqhelekileyo ezinje ngombona okanye ukususwa okungathandabuzekiyo okanye ukunciphisa iinzipho.
• Ngamanye amaxesha amayeza agubungela iinkonzo ezinikezelwa ngugqirha wamehlo. Ukuba unesifo sikashukela, i-glaucoma, okanye enye imeko yonyango efuna iimviwo zamehlo zonyaka, i-Medicare iya kugubungela abo baqeshiweyo. I-Medicare ayigubungeli utyelelo lamehlo kugqirha ngokuchonga utshintsho kummiselo wamayeza eglasi.
• I-Medicare yoqobo (iinxalenye A kunye no-B) azizibandakanyi iinkonzo zamazinyo, nangona ezinye izicwangciso ze-Medicare Advantage zisenza. Ukuba unyangwe ngokungxamisekileyo esibhedlele, iCandelo A linokuhlawula ezinye zezo ndleko.
• I-Medicare ayigubungeli iyeza le-naturopathic, njenge-acupuncture. Ezinye izicwangciso ze-Medicare Advantage zibonelela nge-acupuncture coverage.
• I-Medicare iya kugubungela kuphela iinkonzo ze-chiropractic, ezinje ngokunyanzeliswa komqolo, kwimeko eyaziwa ngokuba yi-spinal subluxation. Ukuqinisekisa ukogquma, uyakufuna ukuxilongwa ngokusesikweni kwi-chiropractor enelayisensi kunye nefanelekileyo. Izicwangciso ze-Medicare ze-Advantage zinokubandakanya iinkonzo ezongezelelweyo ze-chiropractic.

Kukho ezinye iindwendwe zonyango kunye neenkonzo ezingenakuhlawulwa yi-Medicare. Xa uthandabuza, soloko ujonga umgaqo-nkqubo okanye ulwazi lobhaliso.

• Ubhaliso lokuqala: iinyanga ezi-3 ngaphambi nasemva kokuzalwa kwakho kwama-65. Kuya kufuneka ubhalisele i-Medicare ngeli xesha leenyanga ezi-7. Ukuba uqeshiwe, ungabhalisela i-Medicare kwisithuba seenyanga ezi-8 emva kokuthatha umhlala phantsi okanye ushiye isicwangciso seinshurensi yezempilo yeqela lakho kwaye usaphepha izohlwayo. Ngaphantsi komthetho womdibaniso, ungabhalisela isicwangciso seMedigap ngalo naliphi na ixesha ngexesha leenyanga ezi-6 eziqala nge-65 yakho^th usuku lokuzalwa.
• Ubhaliso ngokubanzi: Januwari 1-Matshi 31. Ukuba ulahlekelwa lixesha lokuqala lokubhalisa, usenokubhalisela i-Medicare ngalo naliphi na ixesha ngeli xesha. Nangona kunjalo, usenokubhatalwa isohlwayo esiqhubekayo sokubhaliswa kade xa izibonelelo zakho ziqala ukusebenza. Ngeli xesha, ungatshintsha okanye ulahle isicwangciso sakho seMedicare kwaye uza kukhetha i-Medicare yoqobo endaweni yoko. Unokufumana isicwangciso seMedigap ngexesha lokubhaliswa ngokubanzi.
• Ubhaliso oluvulekileyo lonyaka: Okthobha 15-Disemba 7. Unokwenza utshintsho kwisicwangciso sakho esele sikhona nyaka ngamnye ngeli xesha.
• Ubhaliso lwezongezo ze-Medicare: Epreli 1 -Juni 30. Unokongeza i-Medicare Part D okanye isicwangciso se-Medicare Advantage kwi-Medicare yakho yangoku.

Ukuthatha

Icandelo leMedicare B ligubungela iipesenti ezingama-80 zeendleko zokundwendwela kukagqirha kukhathalelo lokuthintela kunye neenkonzo eziyimfuneko zonyango.

Ayizizo zonke iintlobo zoogqirha ezigutyungelweyo. Ukuqinisekisa ukogquma, ugqirha wakho kufuneka abe ngumboneleli ovunyiweyo we-Medicare. Hlola isicwangciso sakho okanye ubize umnxeba wenkonzo yabathengi kwi-Medicare ngo-800-633-4227 ukuba ufuna ulwazi oluthile lokugubungela.

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.