Ngaba amayeza okugubungela ukuhamba ngezithuthuthu?

Umxholo

• Zeziphi iinxalenye zeMedare ezigubungela ukuhamba ngezithuthuthu?
• Icandelo leMedicare B lokugubungela izithuthuthu
• Icandelo leMedicare C lokugubungela izithuthuthu
• Ukugubungela iMedigap yezithuthuthu
• Ngaba ndikulungele ukufumana uncedo lokuhlawula isithuthuthu?
• Ukufumana amayeza e-scooter
• Iikhrayitheriya ekufuneka uhlangane nazo
• Iindleko kunye nembuyekezo
• Ukuthatha

• Izikuta ezihambahambayo zinokugqunywa ngokuyinxalenye phantsi kweMedicare Icandelo B.
• Izidingo zokufaneleka zibandakanya ukubhaliswa kwi-Medicare yoqobo kunye neemfuno zonyango kwisikuta sasekhaya.
• Isikuta sokuhamba kufuneka sithengwe okanye siqeshwe kumthengisi ovunyiweyo we-Medicare ngaphakathi kweentsuku ezingama-45 zokubonana nogqirha wakho.

Ukuba wena okanye umntu omthandayo ukufumanisa kunzima ukuhamba ngeenxa zonke ekhaya, unenkampani elungileyo. Ubuncinci ukunika ingxelo yokufuna kunye nokusebenzisa isixhobo sokuhamba, esifana nesithuthuthu esihlanganisiweyo.

Ukuba ubhalise kwi-Medicare kwaye uhlangabezana neemfuno ezithile, indleko ezithile zokuthenga okanye zokuqesha isithuthuthu sokuhamba sinokugutyungelwa yi-Medicare Icandelo B.

Zeziphi iinxalenye zeMedare ezigubungela ukuhamba ngezithuthuthu?

I-Medicare yenziwe ngamacandelo A, B, C, D, kunye neMedigap.

• Icandelo leMedicare A yinxalenye yonyango lwantlandlolo. Ibandakanya iinkonzo zesibhedlele esinganyangekiyo, ukhathalelo lwe-hospice, ukhathalelo lwamaziko onesi, kunye neenkonzo zononophelo lwempilo ekhaya
• Icandelo leMedicare B likwayinxalenye yeMedicare yoqobo. Ibandakanya iinkonzo eziyimfuneko kunyango kunye nonikezelo. Ikwaquka ukhathalelo lokuthintela.
• Icandelo leMedicare C likwabizwa ngokuba yiMedicare Advantage. Icandelo C lithengwa kwii-inshurensi zabucala. Iquka yonke into eyenziwa ngu-A kunye no-B, kodwa kubandakanya ukongezwa okungaphezulu kwamayeza amiselweyo, amazinyo, ukuva kunye nombono. Izicwangciso zeCandelo C ziyahluka ngokwento abayigubungelayo kunye neendleko.
• Icandelo lonyango i-Medicare Icandelo D kukugubungela amayeza. Kukho izicwangciso ezininzi ezikhoyo kwiinkampani zeinshurensi zabucala. Izicwangciso zibonelela ngoluhlu lwamayeza agutyungelweyo kunye nokuba zibiza malini, ezaziwa njengefomula.
• I-Medigap (i-inshurensi yokuNyanga i-Medicare) yinshurensi eyongezelelweyo ethengiswa ngabanini-inshurensi babucala. I-Medigap inceda ukuhlawula ezinye zeendleko ezingaphandle kweepokotho kumacandelo A kunye no-B, njengokuncitshiswa, ii-copays kunye ne-coinsurance.

Icandelo leMedicare B lokugubungela izithuthuthu

Icandelo leMedicare B ligubungela indleko ezithile okanye umrhumo wokurenta kwezixhobo zokuhamba kwamandla (PMDs), ezinje ngezikuta ezihlanganisiweyo, kunye nezinye iintlobo zezixhobo zonyango ezizinzileyo (i-DME), kubandakanya izitulo ezinamavili.

Icandelo B lihlawula iipesenti ezingama-80 zesahlulo esivunyiweyo seMedare yexabiso le-scooter, emva kokuba udibene neCandelo B lonyaka elincitshisiweyo.

Icandelo leMedicare C lokugubungela izithuthuthu

Izicwangciso zeMedicare Part C zikwabandakanya i-DME. Ezinye izicwangciso zikwagubungela izitulo ezinamavili ezihamba ngemoto. Inqanaba lokugubungela i-DME olifumanayo ngesicwangciso seCandelo C lingahluka. Ezinye izicwangciso zibonelela ngezaphulelo ezibalulekileyo, kodwa ezinye azenzi njalo. Kubalulekile ukujonga isicwangciso sakho ukufumanisa ukuba ungalindela ukuhlawula ntoni epokothweni yakho ngesithuthuthu.

Ukugubungela iMedigap yezithuthuthu

Izicwangciso zeMedigap zinokukunceda ekugubungeleni kweendleko ezingaphandle kweepokotho, ezinje ngeNqanaba lakho leMedicare B elincitshisiweyo. Izicwangciso zomntu ngamnye ziyahluka, ke qiniseka ukuba ujonga kuqala.

Ukuze iindleko zesikuta sakho zigutyungelwe, kuya kufuneka uyifumane kumthengisi ovunyiweyo ovunyiweyo owamkela isabelo. Uluhlu lwabanikezeli abavunyiweyo beMedicare lunokufumaneka apha.

Ngaba ndikulungele ukufumana uncedo lokuhlawula isithuthuthu?

Kuya kufuneka ubhalise kwi-Medicare yoqobo kwaye uhlangabeze iimfuno ezithile zokufaneleka kwe-PMD ngaphambi kokuba i-Medicare incede ukuhlawula isithuthuthu sakho.

I-Scooter yamkelwe kuphela yi-Medicare ukuba ufuna isithuthuthu ukuba sihlale ekhaya. I-Medicare ayizukuhlawulela isitulo esinamavili okanye isithuthuthu esifuneka kuphela kwimisebenzi yangaphandle.

Ukufumana amayeza e-scooter

I-Medicare ifuna ukudibana ubuso nobuso nogqirha wakho. Qinisekisa ukuba ugqirha wamkela i-Medicare.

Xa undwendwela, ugqirha wakho uya kuvavanya imeko yakho yonyango kwaye akunike i-DME, ukuba iyafuneka. Umyalelo kagqirha wakho ubhekiswa kuwo njengesixhobo sezinto ezisixhenxe, esixelela iMedicare ukuba isithuthuthu siyimfuneko kwezonyango.

Ugqirha wakho uya kungenisa iodolo yezinto ezisixhenxe kwiMedicare ukuze yamkelwe.

Iikhrayitheriya ekufuneka uhlangane nazo

Kuya kufuneka ukuba isithuthuthu siyimfuneko kwezonyango ukuba sisetyenziswe ekhayeni lakho, kuba unemiqathango yokuhamba ngokuthe gabalala kwaye uhlangabezana nazo zonke ezi ndlela zilandelayo:

• unempilo oyenza nzima kakhulu into yokuba ujikeleze ikhaya lakho
• ngekhe wenze imisebenzi yokuphila yemihla ngemihla, njengokusebenzisa igumbi lokuhlambela, ukuhlamba nokunxiba, nkqu nokuhamba, intonga, okanye iintonga
• ungasebenzisa ngokukhuselekileyo isixhobo esihlanganisiweyo kwaye womelele ngokwaneleyo ukuba uhlale kuso kwaye usebenzise ulawulo lwaso
• Uyakwazi ukukhwela ucime isikuta ngokukhuselekileyo: ukuba akunjalo, kufuneka usoloko unaye umntu onokukunceda kwaye aqinisekise ngokhuseleko lwakho
• ikhaya lakho linokulungiselela ukusetyenziswa kwesithuthuthu: umzekelo, isithuthuthu siyakulunga kwigumbi lakho lokuhlambela, kwiminyango yakho, nakwiipaseji

Kuya kufuneka uye kumthengisi we-DME owamkela amayeza. I-odolo evunyiweyo yamanqaku asixhenxe kufuneka ithunyelwe kumthengisi wakho ngaphakathi kweentsuku ezingama-45 zokutyelela kwakho ugqirha ubuso ngobuso.

Iindleko kunye nembuyekezo

Emva kokuba uhlawule isahlulo sakho sesahlulo B sokutsalwa kwe- $ 198 ngo-2020, i-Medicare iya kugubungela iipesenti ezingama-80 zeendleko zokurenta okanye ukuthenga isithuthuthu. Iipesenti ezingama-20 eziseleyo luxanduva lwakho, nangona inokugqunywa liCandelo C okanye izicwangciso zeMedigap.

Ukugcina iindleko ziphantsi kwaye uqiniseke ukuba i-Medicare ihlawula inxenye yesikuta sakho, kuya kufuneka usebenzise umthengisi ovunyiweyo we-Medicare owamkela isabelo. Ukuba akwenzi njalo, umthengisi unokukuhlawulisa imali ephezulu kakhulu, noya kuba noxanduva kuyo.

Buza malunga nokuthatha inxaxheba kwi-Medicare ngaphambi kokuba uzibophelele ekuthengeni isithuthuthu.

Umthengisi ovunyiweyo we-Medicare uya kuthumela ibhilikhwe kwisikuta sakho ngqo kwi-Medicare. Nangona kunjalo, unokucelwa ukuba uhlawule lonke iindleko kwangaphambili kwaye ulinde i-Medicare ukuba ikubuyisele iipesenti ezingama-80 zeendleko zesithuthuthu.

Ukuba uthatha isigqibo sokurenta isithuthuthu, i-Medicare iya kwenza iintlawulo zenyanga egameni lakho ukuba isithuthuthu siyimfuneko kwezonyango. Umthengisi kufuneka eze ekhayeni lakho azokuthatha isithuthuthu xa ixesha lokurenta liphela.

Nalu uluhlu lwamanyathelo okukunceda ukuba ugqume isithuthuthu sakho nasekhaya lakho:

1. Faka isicelo kwaye ubhalise kwi-Medicare yoqobo (icandelo A no-B).
2. Yenza idinga nodokotela ovunyiweyo we-Medicare ukuze utyelele ubuso ngobuso ukuqinisekisa ukufaneleka kwakho kwisithuthuthu.
3. Ngaba ugqirha wakho athumele i-odolo ebhaliweyo kwi-Medicare ebonisa ukufaneleka kwakho kunye nemfuno yesithuthuthu.
4. Thatha isigqibo sokuba loluphi uhlobo lwe-scooter oyifunayo kwaye ukuba ukhetha ukurenta okanye ukuthenga.
5. Khangela umthengisi we-DME ovunyiweyo we-Medicare owamkela isabelo apha.
6. Ukuba awukwazi ukuhlawula iindleko ze-scooter, tsalela umnxeba i-Medicare yakho okanye i-ofisi yeMedicaid ukumisela ukufaneleka kwakho kwiinkqubo zokonga zeMedare ezinokukunceda.

Ukuthatha

Uninzi lwabamkeli beMedicare banengxaki yokuhamba ekhaya. Xa induku, iintonga, okanye ukuhamba kuhamba kungonelanga, isithuthuthu sokuhamba sinokunceda.

Icandelo leMedicare B ligubungela iipesenti ezingama-80 zeendleko zokuhamba ngezithuthuthu, ukuba nje uhlangabezana neemfuno ezithile.

Ugqirha wakho uya kugqiba ukufaneleka kwakho kwisithuthuthu.

Kuya kufuneka usebenzise ugqirha ovunyiweyo we-Medicare kunye nomthengisi ovunyiweyo we-Medicare owamkela isabelo sokuba i-scooter yakho yamkelwe kwaye igqunywe yi-Medicare.