Ngaba unyango lwantlandlolo lweMedicare, iMedigap, kunye neMedicare lweMeko eziNgaphambi kokukhoyo?

Umxholo

• Ngaba izicwangciso zokuncedisa kwi-Medicare zigubungela iimeko ezikhoyo?
• Ngaba unokwaliwa ukugubungela iMedigap?
• Ngaba i-Medicare Advantage igubungela iimeko ezikhoyo?
• Izicwangciso zeMedicare Advantage Special Needs
• Yise kude

I-Medicare yoqobo-ebandakanya iCandelo A (i-inshurensi yesibhedlele) kunye neCandelo B (i-inshurensi yezonyango) -igubungela iimeko ezikhoyo.

Icandelo le-Medicare Icandelo D (i-inshurensi kagqirha kagqirha) liyakugubungela amayeza owathathayo okwangoku kwimeko yakho esele ikho.

Qhubeka ufunda ukuze ufunde ngakumbi malunga nokuba zeziphi izicwangciso zeMedare ezigubungela iimeko ezikhoyo, kwaye zeziphi iimeko ezinokukuphika.

Ngaba izicwangciso zokuncedisa kwi-Medicare zigubungela iimeko ezikhoyo?

Izicwangciso zokuncedisa kwiMedare (izicwangciso zeMedigap) zibonelelwa ziinkampani zabucala ezivunyiweyo yiMedicare. Izicwangciso zeMedigap zigubungela ezinye zeendleko ezingagutyungelwanga yiMedicare yoqobo, ezinjengezinto ezikhutshiweyo, ukuqinisekiswa kwemali, kunye neepawotsheni

Ukuba uthenga isicwangciso seMedigap ngexesha lakho lokubhalisa elivulekileyo, nokuba unemeko esele ikho, unokufumana umgaqo-nkqubo weMedigap othengiswe kwilizwe lakho. Awunakwa i-inshurensi kwaye uya kuhlawula ixabiso elifanayo njengabantu ngaphandle kwemeko esele ikho.

Ixesha lakho lokubhalisa elivulekileyo lokugubungela iMedigap liqala inyanga uneminyaka engama-65 kunye / okanye ubhalise kwiCandelo leMedicare B.

Ngaba unokwaliwa ukugubungela iMedigap?

Ukuba ufaka isicelo sokugubungela iMedigap emva kwexesha lakho lokubhalisa elivulekileyo, awunakho ukuhlangabezana neemfuno ezibhalwe phantsi zonyango kwaye unokwaliwa ingxelo.

Ngaba i-Medicare Advantage igubungela iimeko ezikhoyo?

Izicwangciso ze-Medicare Advantage (i-Medicare Part C) zibonelelwa ziinkampani zabucala ezivunyiweyo yi-Medicare. Ezi zicwangciso zixutywa ukuba zibandakanye iiNxalenye ze-Medicare A kunye no-B, zihlala ziyi-Medicare Part D, kwaye zihlala zongezwa ukhuseleko njengamazinyo nombono.

Unokujoyina isicwangciso se-Medicare Advantage ukuba unesimo sokubakho ngaphandle kokuba imeko esele ikho isiphelo sesifo se-renal (ESRD).

Izicwangciso zeMedicare Advantage Special Needs

IziCwangciso zeMfuno eziZodwa zeMedare (SNPs) zibandakanya iiNxalenye zeMedicare A, B, kunye noD kwaye ziyafumaneka kuphela kubantu abaneemeko ezithile zempilo ezinje:

• Ukuphazamiseka komzimba: isifo se-celiac, i-lupus, i-rheumatoid arthritis
• umhlaza
• ngokuqinisekileyo, ukukhubaza iimeko zempilo zokuziphatha
• isifo sentliziyo esinganyangekiyo
• ukuxhomekeka kweziyobisi okungapheliyo kunye / okanye ukunxila
• ukusilela kwentliziyo okungapheliyo
• ukuphazamiseka okungapheliyo kwemiphunga: isifuba, i-COPD, i-emphysema, uxinzelelo lwegazi kwimiphunga
• Isifo sengqondo esiyingozi
• iswekile yemellitus
• Isiphelo sesifo sesibindi
• Isigaba sokugqibela sesifo sezintso (ESRD) esifuna i-dialysis
• Intsholongwane kaGawulayo / uGawulayo
• Ukuphazamiseka kwehematological: inzulu ye-vein thrombosis (DVT), iarhente yeseli yegazi, i-thrombocytopenia
• ukuphazamiseka kwemithambo-luvo: isifo sokuwa, isifo sokuqina kwemithambo, isifo sika-Parkinson, i-ALS
• ukubetha

Ukuba ufanelekile kwi-SNP kwaye kukho isicwangciso sendawo esikhoyo, ungabhalisa nanini na.

Ukuba awusakulungelanga ukufumana i-Medicare SNP, ungalutshintsha ukhuseleko lwakho ngexesha lokubhalisa elikhethekileyo eliqala xa wazisiwe yi-SNP yakho ukuba awusafanelekanga kwisicwangciso kwaye uyaqhubeka kangangeenyanga ezi-2 emva kokuba ingxelo iphelile.

Yise kude

I-Medicare yoqobo-Icandelo A (i-inshurensi yasesibhedlele) kunye neCandelo B (i-inshurensi yezonyango) -igubungela iimeko ezikhoyo.

Ukuba unemeko esele ikho, cinga ukubhalisela isicwangciso seMedigap (isicwangciso sokongeza iMedare).

IMedigap ibonelela ngesihlandlo esivulekileyo sokubhalisa ngexesha apho ungayi kunqatshelwa khona, kwaye uya kuhlawula ixabiso elifanayo njengabantu ngaphandle kweemeko ezikhoyo. Unokwaliwa ukugubungela ukuba ubhalisa ngaphandle kwexesha lakho lokubhalisa elivulekileyo.

Ukuba ucinga ngesicwangciso se-Medicare Advantage, kuxhomekeke kwimeko yakho esele ikho, unokujoliswa kwisicwangciso seMedicare Advantage Special Needs plan (SNP).

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.