Unyango ngamayeza kunye notyando lomlomo: yintoni egqunyiweyo?

Umxholo

• Luluphi unyango olugubungela utyando ngomlomo?
• Zeziphi izicwangciso zeMedicare ezingangcono kuwe ukuba uyazi ukuba ufuna utyando lomlomo?
• Icandelo leMedicare C (Uncedo lweMedicare)
• Icandelo lezaMayeza A
• Icandelo leMedare B
• Icandelo leMedare D
• Unyango lweMedare (iMedigap)
• Zithini iindleko zokuphuma epokothweni zotyando lomlomo ukuba uneMedare?
• Zeziphi iinkonzo zamazinyo ezigutyungelwa nguMedicare?
• I-Medicare yoqobo (iinxalenye A kunye no-B)
• Izicwangciso zonyango zeMedare (Izicwangciso zokuncedisa kwiMedare)
• Unyango lweMedicare lweenkonzo zamazinyo
• Umgca wezantsi

Ukuba ufanelekile kwi-Medicare kwaye ucinga ngokuhlinzwa ngomlomo, unokukhetha ukunceda ukuhlawula iindleko.

Ngelixa i-Medicare yoqobo ingazibandakanyi iinkonzo zamazinyo ezifuneka ngokukodwa kwimpilo yamazinyo okanye yeentsini, inokugubungela utyando lomlomo lweemeko zonyango. Ezinye izicwangciso ze-Medicare Part C (i-Medicare Advantage) nazo zibonelela ngogqirha wamazinyo.

Makhe sihlolisise ukuba zeziphi iintlobo zotyando lomlomo ezigubungelayo kwaye kutheni.

Luluphi unyango olugubungela utyando ngomlomo?

Ukuhlinzwa ngomlomo ngamanye amaxesha kuyadingeka njengenxalenye yesicwangciso sonyango kwimeko yonyango, njengomhlaza okanye isifo sentliziyo. Kule meko, utyando lomlomo luya kuchazwa njengenkqubo eyimfuneko kwezonyango.

Kuba imeko nganye yahlukile, thetha nogqirha wakho okanye uphonononge iikhrayitheriya zesicwangciso sakho, ukuze ubone ukuba ngaba utyando lwakho lomlomo luya kugutyungelwa yiMedicare yoqobo.

I-Medicare yoqobo (i-Medicare Part A) iya kugubungela iindleko zotyando lomlomo kwezi meko zichazwe ngonyango:

• Ukukhutshwa kwezinyo elonakeleyo okanye eligulayo kunokuba yimfuneko kwezonyango ngaphambi kokuqala unyango lwemitha. Oku kunokunceda ukunciphisa umngcipheko wokufa kwe-mandibular (bone).
• Ukuthintela ukosuleleka ngomlomo, kunokukhutshwa izinyo elonakeleyo okanye eligulayo ngaphambi kokuba ufakelwe ilungu elithile.
• Ukuba unomhlathi owaphukileyo kwaye ufuna utyando ukulungisa okanye ukubuyisela, i-Medicare iya kuzihlawula ezo ndleko.
• I-Medicare iya kugubungela utyando lomlomo ukuba umhlathi wakho ufuna ukulungiswa okanye ukubuyiselwa emva kokususwa kwesisu.

Zeziphi izicwangciso zeMedicare ezingangcono kuwe ukuba uyazi ukuba ufuna utyando lomlomo?

Icandelo leMedicare C (Uncedo lweMedicare)

Ukuba uyazi ukuba uya kufuna utyando ngomlomo kwimpilo yamazinyo, isicwangciso seMedicare Advantage (Medicare Part C) esigubungela iinkqubo zamazinyo esiqhelo kunokuba ngcono kuwe.

Nangona kunjalo, ayizizo zonke izicwangciso zeMedicare Advantage ezibandakanya iinkonzo zamazinyo.

Icandelo lezaMayeza A

Ukuba uyazi ukuba uya kufuna utyando lomlomo oluyimfuneko ukunyanga imeko yonyango, unokufumana ingxelo phantsi kweMedicare Part A ukuba usesibhedlele.

Icandelo leMedare B

Ukuba ufuna ukuba utyando lomlomo oluyimfuneko olwenziwe ngaphandle, uMedicare Icandelo B unokugubungela.

Icandelo leMedare D

Amayeza afunekayo anjengaleyo ukunyanga usulelo okanye iintlungu ziya kugutyungelwa phantsi kweCandelo leMedicare D, ngaphandle kokuba zinikwe ngaphakathi.

Ukuba unikwa amayeza kwindawo yokubhedlele enikwa ngaphakathi, iCandelo B liya kuhlawula ezo ndleko. Uninzi lwezicwangciso ze-Medicare Advantage zigubungela iindleko zamayeza ngokunjalo.

Unyango lweMedare (iMedigap)

I-Medigap inokugubungela iCandelo A kwiindleko ezitsalwayo kunye neendleko zokuhlawulwa kwemali ukuba ngaba kufuneka utyando lomlomo olufunekayo esibhedlele. IMedigap ayizigubungeli ezi ndleko zotyando lomlomo ezifunekayo kwimpilo yamazinyo kuphela.

Zithini iindleko zokuphuma epokothweni zotyando lomlomo ukuba uneMedare?

Ukuba unenkqubo yotyando yomlomo engathathelwa ngqalelo ngokwezonyango, uya kuzifumana zonke iindleko ezinxulumene nayo.

Ukuba inkqubo yotyando lomlomo iyimfuneko kwezonyango, zisekhona iindleko onokuthi uhlawule. Umzekelo:

• Ikopi. I-Medicare iya kugubungela iipesenti ezingama-80 zeendleko ezivunyiweyo ze-Medicare zotyando lomlomo oluyimfuneko, ngaphandle kokuba lwenziwa ngumboneleli ovunyiweyo we-Medicare. Oku kubandakanya i-X-ray kunye nezinye iinkonzo onokuzifuna. Ukuba inkqubo yakho yenziwe esibhedlele kwaye awunayo i-inshurensi eyongezelelweyo yeMedigap, uya kuba noxanduva lweepesenti ezingama-20 zeendleko.
• Ukutsalwa. Kubantu abaninzi, i-Medicare Part B ine-deductible yonyaka eyi-198 yeedola ekufuneka ihlangatyezwe ngaphambi kwazo naziphi na iinkonzo, kubandakanya utyando lomlomo oluyimfuneko.
• Intlawulo yenyanga. Icandelo lonyango i-Medicare Icandelo B line-standard standard, yenyanga yexabiso leedola ezili-144.60 Oku kunokuba kuncinci kuwe ukuba ngoku ufumana izibonelelo zokhuseleko loluntu, okanye kungakubiza ngaphezulu kuxhomekeke kumvuzo wakho wangoku.
• Amayeza. Kuya kufuneka ube ne-Medicare Part D okanye olunye uhlobo lokugubungela iziyobisi ukuze ube nayo yonke into okanye inxenye yeendleko zamayeza akho. Ukuba awunazo iziyobisi, uya kuba noxanduva lweendleko zawo nawaphi na amayeza afunekayo.

Zeziphi iinkonzo zamazinyo ezigutyungelwa nguMedicare?

I-Medicare yoqobo (iinxalenye A kunye no-B)

I-Medicare ayigubungeli uninzi lweenkonzo eziqhelekileyo zamazinyo njengokucoca, ukuzalisa, ukukhupha, ukufakela amazinyo, okanye utyando ngomlomo. Nangona kunjalo, utyando lomlomo lunokugqunywa ukuba luyimfuneko.

Izicwangciso zonyango zeMedare (Izicwangciso zokuncedisa kwiMedare)

Ezinye izicwangciso ze-Medicare Advantage zibandakanya ukukhutshwa kweenkonzo zamazinyo. Ukuba ungathanda ukugubungela amazinyo, thelekisa izicwangciso ezinikezelweyo kwilizwe lakho, kwaye ujonge izicwangciso ezibandakanya amazinyo. I-Medicare ine-finder yesicwangciso sokukunceda uthelekise imigaqo-nkqubo ye-Medicare Advantage enikezelwa kwindawo yakho.

Unyango lweMedicare lweenkonzo zamazinyo

Umgca wezantsi

Iinkonzo eziqhelekileyo zamazinyo kunye neenkqubo zotyando zomlomo ezifunekayo kuphela kwimpilo yamazinyo azigutyungelwanga yiMedicare yoqobo. Kodwa utyando lomlomo olufunekayo kwimpilo yamazinyo okanye yeentsini kunokugutyungelwa zizicwangciso ezithile zeMedicare.

Ukuba ufuna utyando lomlomo oluyimfuneko lwezonyango ngenxa yezizathu zempilo zonyango, i-Medicare yoqobo inokuhlawula inkqubo. Nangona kunjalo, unokuba neendleko zokuphuma epokothweni zokuhlawula.

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.