Ngaba amayeza ayakhusela amakhaya okonga?

Umxholo

• Luluphi ukhathalelo lwamayeza olugcina ulondolozo ekhaya?
• Ngawaphi amacandelo eMedicare agubungela ukhathalelo lwasekhaya lokonga?
• Icandelo lezaMayeza A
• Icandelo leMedare B
• Ngaba izicwangciso zeAdvantage ziyayigubungela nayiphi na inxalenye yayo?
• Kuthekani ngezongezelelo zeMedigap?
• Kuthekani ngamayeza eCandelo D?
• Zeziphi izicwangciso zeMedare ezinokuba zezona zilungileyo ukuba ufuna ukhathalelo lwamakhaya abalupheleyo kunyaka olandelayo?
• Yintoni ikhaya labongikazi?
• Izinto eziluncedo zononophelo lwasekhaya
• Ixabisa malini inkathalo yamakhaya abantu abadala?
• Umgca wezantsi

I-Medicare yinkqubo yeinshurensi yezempilo yabo baneminyaka engama-65 nangaphezulu (kunye neemeko ezithile zonyango) eUnited States.

Ezi nkqubo zigubungela iinkonzo ezinje ngokuhlala esibhedlele kunye neenkonzo zonyango lwezigulana ezingaphandle kunye nokunyamekela. I-Medicare inokugubungela ukuhlala kwexeshana kwikhaya lokunyamekela abantu xa umntu efuna ukhathalelo olunobuchule.

Nangona kunjalo, ukuba umntu ufuna ukufudukela kwikhaya labongikazi ixesha elide, izicwangciso zeMedicare zihlala zingayi kuhlawula le ndleko.

Luluphi ukhathalelo lwamayeza olugcina ulondolozo ekhaya?

Ukuqonda oko kugutyungelwa yiMedicare kwikhaya labantu abalupheleyo, ngamanye amaxesha kungcono ukwazi into abangayigubungeliyo. I-Medicare ayigubungeli ukhathalelo kwikhaya labantu abalupheleyo xa umntu efuna ukukhathalelwa kuphela. Ukukhathalela umntwana kubandakanya ezi nkonzo zilandelayo:

• ukuhlamba
• ukunxiba
• ukutya
• uya kwigumbi lokuhlambela

Njengomgaqo oqhelekileyo, ukuba umntu ufuna ukhathalelo olungadingi nqanaba lokubonelela, i-Medicare ayiyigqibi le nkonzo.

Ngoku makhe sijonge oko i-Medicare igubungelayo.

I-Medicare iyagubungela ukhathalelo lobuchule kwiziko lokugcina abantu abalupheleyo, kodwa kuya kufuneka uhlangabezane neemfuno ezininzi. Oku kubandakanya:

• Kuya kufuneka ube neCandelo leMedicare A kwaye ube uneentsuku ezishiyekileyo kwixesha lakho lesibonelelo.
• Kuya kufuneka kuqala ube nokuhlala ngokufanelekileyo esibhedlele.
• Ugqirha wakho kufuneka amisele ukuba ufuna ukhathalelo lwemihla ngemihla, olunesakhono.
• Kuya kufuneka ufumane unonophelo kwiziko labongikazi elinobuchule.
• Indawo apho ufumana khona iinkonzo zakho kufuneka iqinisekiswe yi-Medicare.
• Udinga iinkonzo ezinezakhono kwimeko yezonyango enxulumene nesibhedlele okanye imeko eqale ngelixa wawukwiziko labongikazi abanezakhono ufumana uncedo kwimeko yokuqala, enxulumene nesibhedlele.

Kwakhona kubalulekile ukuba uqaphele ukuba le nkathalo yenzelwe ixesha elifutshane, kungekhona ukunyamekela kwexesha elide.

Ngokwesiqhelo, icandelo le-Medicare A linokuhlawula ukuya kuthi ga kwiintsuku ezili-100 kwiziko labongikazi abanezakhono. Iziko labongikazi elinabantu abanezakhono kufuneka limamkele umntu lowo zingaphelanga iintsuku ezingama-30 bemkile esibhedlele, kwaye kufuneka bamamkele ngenxa yesigulo okanye ukwenzakala kwalo mntu ebefumana ukhathalelo lwesibhedlele.

Ngawaphi amacandelo eMedicare agubungela ukhathalelo lwasekhaya lokonga?

I-Medicare ihlala igubungela ukhathalelo lwezakhono lwexeshana elifutshane kwikhaya labongikazi. Qhubeka ufunda ngokwaphuka kwento i-Medicare enokuyigubungela enxulumene namakhaya abantu abalupheleyo.

Icandelo lezaMayeza A

Ezinye iinkonzo zeMedare ye-Medicare A inokugubungela imeko yekhaya labongikazi ibandakanya:

• iingcebiso ngokutya kunye neenkonzo zesondlo
• izixhobo zonyango kunye nezixhobo
• amayeza
• izidlo
• unyango lomsebenzi
• ulungiso lwenyama
• igumbi semi-zabucala
• ukhathalelo olunobuchule, njengokutshintsha kwenxeba
• iinkonzo zentlalo ntle ezinxulumene nonyango olufunekayo
• ulwimi lwezifo

I-Medicare inokugubungela into ebizwa ngokuba yi "swing bed bed services." Kulapho umntu afumana ukhathalelo olunobuchule kwisibhedlele esikhathalelwa kakhulu.

Icandelo leMedare B

I-Medicare Icandelo B yinxalenye ye-Medicare ehlawulela iinkonzo zonyango, ezinje ngokundwendwela ugqirha kunye nokuhlolwa kwezempilo. Le nxalenye ye-Medicare ayihlali igubungela ukuhlala ekhaya labongikazi.

Ngaba izicwangciso zeAdvantage ziyayigubungela nayiphi na inxalenye yayo?

Izicwangciso ze-Medicare Advantage (ekwabizwa ngokuba yiMedicare Part C) azihlali zigubungela ukhathalelo lwasekhaya lokonga oluthathwa njengolondolozo. Zimbalwa izinto ezikhoyo ezikhoyo, kubandakanya ukuba isicwangciso somntu sinesivumelwano kunye nekhaya labongikazi elithile okanye umbutho osebenza kumakhaya abantu abalupheleyo.

Njalo qhagamshelana nomboneleli wakho wesicwangciso ngaphambi kokuya kwikhaya elithile labahlengikazi ukuze uqonde ukuba zeziphi iinkonzo kwaye azikho phantsi kwecebo lakho le-Medicare Advantage.

Kuthekani ngezongezelelo zeMedigap?

Izicwangciso zokuncedisa iMedigap zithengiswa ziinkampani zeinshurensi zabucala kwaye ziyanceda ukuhlawula iindleko ezongezelelekileyo, ezinjengezinto ezitsalwayo.

Ezinye izicwangciso zeMedigap zinokunceda ekuhlawuleni izibonelelo zononophelo zobuhlengikazi. Oku kubandakanya izicwangciso C, D, F, G, M, kunye no-N. Isicwangciso K sihlawula malunga neepesenti ezingama-50 ze-coinsurance kwaye iSicwangciso L sihlawula iipesenti ezingama-75 ze-coinsurance.

Nangona kunjalo, izicwangciso zokuncedisa iMedigap azihlawuli ixesha elide lokunyamekela ekhaya.

Kuthekani ngamayeza eCandelo D?

I-Medicare Icandelo D kukugubungela amayeza kagqirha anceda ukuhlawulela konke okanye inxenye yamayeza omntu.

Ukuba umntu uhlala kwikhaya labantu abalupheleyo, baya kufumana imigqaliselo yabo kwikhemesti yokhathalelo lwexesha elide ebonelela ngamayeza kwabo bakwizibonelelo zononophelo lwexesha elide ezifana nekhaya labongikazi.

Nangona kunjalo, ukuba ukwisibonelelo esinezakhono ufumana ukhathalelo olunobuchule, iCandelo leMedicare A liya kuhlala ligubungela imigqaliselo yakho ngeli xesha.

Zeziphi izicwangciso zeMedare ezinokuba zezona zilungileyo ukuba ufuna ukhathalelo lwamakhaya abalupheleyo kunyaka olandelayo?

Uninzi lwezicwangciso zeMedare aluyi kugubungela ukhathalelo lwasekhaya lokonga. Ukwahluka kungabandakanya ukuba uthenga isicwangciso se-Medicare Advantage ngesivumelwano esithile kunye nekhaya labongikazi. Kwakhona, ezi zihlala zikhetha, hayi umthetho, kwaye iindlela ezikhoyo ziyahluka ngokwejografi.

Ukuba wena okanye umntu obathandayo banokufuna ukutshintshela kukhathalelo lwexesha elide lokunyamekela abantu, kukho iindlela ngaphandle kwe-Medicare ezinokukunceda ukuhlawula iindleko ezithile. Oku kubandakanya:

• I-inshurensi yokhathalelo lwexesha elide. Oku kunokunceda ukuhlawula zonke okanye isahlulo seendleko zamakhaya abalupheleyo. Abantu abaninzi baya kuyithenga le migaqo besebancinci, njengakuma-50s abo, njengoko iipremiyamu zihlala zonyuka kwiindleko njengomntu oneminyaka.
• Unyango. I-Medicaid, inkqubo ye-inshurensi enceda ukuhlawula iindleko kwabo bakumakhaya anengeniso ephantsi, ineenkqubo zikarhulumente nezesizwe ezinceda ukuhlawulela ukhathalelo lwamakhaya abalupheleyo.
• Ulawulo lwezilwanyana. Abo basebenze emkhosini banakho ukufumana uncedo lwezezimali kwiinkonzo zokhathalelo lwexesha elide kwiSebe laseMelika laseMelika leMicimbi yeVeterans.

Abanye abantu banokufumanisa ukuba bafuna iinkonzo zeMedicaid emva kokuba begqibile ukusebenzisa izixhobo zabo zokuhlawula ixesha elide. Ukufumana ngakumbi ngendlela yokufumana isiqinisekiso, ndwendwela iiNkqubo zoNcedo lweinshurensi yezeMpilo kaRhulumente.

Yintoni ikhaya labongikazi?

Ikhaya labongikazi yindawo apho umntu anokufumana khona iinkonzo zononophelo ezongezelelweyo kubongikazi okanye kubancedisi babongikazi.

Uninzi lwezi zibonelelo zinokuba ngamakhaya okanye iiflethi zabantu abafuna ukhathalelo olongezelelweyo kwimisebenzi yabo yemihla ngemihla okanye abasenamnqweno wokuhlala bodwa. Ezinye zifana nezibhedlele okanye iihotele ezinamagumbi aneebhedi kunye neebhafu kunye neendawo eziqhelekileyo zokufundela, ukuzonwabisa, ukutya kunye nokuphumla.

Uninzi lwamakhaya abalupheleyo abonelela ngononophelo lwexesha lonke. Iinkonzo zinokwahluka, kodwa zingabandakanya uncedo lokuya kwindlu yangasese, uncedo lokufumana amayeza, kunye neenkonzo zokutya.

Izinto eziluncedo zononophelo lwasekhaya

• Unonophelo lwasekhaya lokonga lihlala livumela umntu ukuba aphile ngokuzimeleyo ngaphandle kokuzibandakanya nemisebenzi yolondolozo lwasekhaya, njengokucheba ingca okanye ukugcinwa kwekhaya.
• Uninzi lwamakhaya abantu abalupheleyo lukwabonelela ngemisebenzi yasekuhlaleni evumela abantu ukuba banxibelelane nabanye kwaye bagcine ubuhlobo kunye neminye imisebenzi.
• Ukuba nesakhono sokufumana iinkonzo zokonga ezifunekayo kunye nokufumana abasebenzi abaqeqeshiweyo ukuze babeke esweni umntu kunokubonelela ngemvakalelo yokuthuthuzela umntu kunye nosapho.

Ixabisa malini inkathalo yamakhaya abantu abadala?

Umbutho wezezimali uGenworth ulandelele iindleko zokhathalelo kumaziko ononophelo abanezakhono nakumakhaya abantu abadala ukusuka ngo-2004 ukuya ku-2019.

Bafumene umndilili weendleko ze-2019 zegumbi labucala kwikhaya labalupheleyo yi- $ 102,200 ngonyaka, eyi-56.78 yeepesenti inyuka ukusuka ku-2004. Inkathalo kwindawo yokuhlala encedisiweyo ixabisa i-avareji ye- $ 48,612 ngonyaka, i-68.79 yeepesenti inyuka ukusuka kwi-2004.

Ukunyamekelwa kwamakhaya abongikazi kuyabiza- ezi ndleko zibandakanya ukhathalelo lwezigulana eziya zigula kakhulu, ukunqongophala kwabasebenzi, kunye nemigaqo emikhulu eyonyusa inkcitho kuzo zonke iindleko zokunyuka kweendleko.

Ukuba unomntu omthandayo ofikelela kwiminyaka engama-65, Nazi ezinye iingcebiso malunga nendlela onokubanceda ngayo babhalise:

• Ungaqala inkqubo kwiinyanga ezi-3 ngaphambi kokuba umntu omthandayo afike kwiminyaka engama-65. Ukuqala kwangoko kunokukunceda uphendulwe imibuzo kwaye uthathe uxinzelelo kwinkqubo.
• Nxibelelana noLawulo loKhuseleko lwezeNtlalo okanye ufumane indawo ngokundwendwela iwebhusayithi yabo esemthethweni.
• Ndwendwela i-Medicare.gov ukufumanisa malunga nezicwangciso ezikhoyo zezempilo kunye neziyobisi.
• Thetha nabahlobo bakho kunye namanye amalungu osapho ekusenokwenzeka ukuba awele kwinkqubo efanayo. Banokukunika iingcebiso malunga noko bakufundileyo ngenkqubo yokubhalisela i-Medicare kunye nokukhetha izicwangciso zokuncedisa, ukuba kufanelekile.

Umgca wezantsi

Icandelo le-Medicare A linokugubungela ukhathalelo lobuchule kubantwana kwikhaya labongikazi, ukubonelela umntu ahlangabezane neemfuno ezithile.

Ukuba wena okanye umntu omthandayo unqwenela okanye ufuna ukuhlala kwikhaya labongikazi ixesha elide ukuze ufumane ukhathalelo lokugcina kunye nezinye iinkonzo, kuya kufuneka uhlawule ukuphuma epokothweni okanye usebenzise iinkonzo ezinje ngeinshurensi yokhathalelo lwexesha elide okanye iMedicaid .

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.