Ngaba iMedicare ihlawula ukuPhila ngokuNcediswayo?

Umxholo

• Ngaba i-Medicare igubungela nini ukuhlala ngokunceda?
• Ngawaphi amacandelo e-Medicare cover afumana uncedo lokuphila?
• Icandelo lezaMayeza A
• Icandelo leMedare B
• Icandelo lonyango Medic C
• Icandelo leMedare D
• IMedigap
• Zeziphi izicwangciso zeMedicare ezinokuba zezona zilungileyo ukuba uyazi wena okanye umntu omthandayo anokufuna ukhathalelo lokuhlala ngo-2020?
• Cinga ngezidingo zokhathalelo lwempilo
• Yintoni encediswa kukuphila?
• Ixabisa malini imali yokunceda?
• Umgca wezantsi

Njengoko sikhula, sinokufuna uncedo olungakumbi kwimisebenzi yethu yemihla ngemihla. Kule meko, ukuhlala ngokuncediswa kunokuba yinto onokukhetha kuyo.

Ukuphila ngokuncediswa luhlobo lokhathalelo lwexesha elide olunceda ukubeka esweni impilo yakho kunye nokuncedisa kwimisebenzi yemihla ngemihla ngelixa ukhuthaza inkululeko.

I-Medicare ayihlali igubungela ukhathalelo lwexesha elide njengokuphila okuncediswayo.

Funda njengoko sixoxa ngeMedicare, indawo ekuncediswa kuyo, kunye neendlela onokukhetha kuzo zokunceda ukuhlawulela ezinye zeenkonzo.

Ngaba i-Medicare igubungela nini ukuhlala ngokunceda?

I-Medicare ihlawula kuphela ukhathalelo lwexesha elide ukuba ufuna iinkonzo zabongikazi abanezakhono zenkxaso kubomi bemihla ngemihla kwaye ufuna unyango lomsebenzi, ukhathalelo lwenxeba, okanye unyango lomzimba, olufunyanwa kwikhaya labongikazi, kulandela ukwamkelwa esibhedlele. Ukuhlala kula maziko kuhlala kugutyungelwe ixesha elifutshane (ukuya kuthi ga kwiintsuku ezili-100).

Iindawo zokuhlala ezincedisiweyo zahlukile kwizibonelelo zokonga. Abantu abaphila ngokuncediswa bahlala bezimeleyo kunabo bakumakhaya abantu abalupheleyo kodwa basabekwa esweni iiyure ezingama-24 kwaye bencediswa kwimisebenzi efana nokunxiba okanye ukuhlamba.

Olu hlobo lokhathalelo olungelolonyango luthiwa lulondolozo. I-Medicare ayifihli ukhathalelo lokugcina. Nangona kunjalo, ukuba uhlala kwiziko lokuhlala elinoncedo, kusenokubakho izinto eziza kugubungela i-Medicare, kubandakanya:

• ezinye iinkonzo zonyango eziyimfuneko okanye ezithintelayo
• amayeza amiselweyo
• iinkqubo zokuphila kakuhle okanye ukomelela komzimba
• uthutho kwiindawo zokuya kugqirha

Ngawaphi amacandelo e-Medicare cover afumana uncedo lokuphila?

Makhe sijonge nzulu kancinci ukuba zeziphi iinxalenye zeMedare ezinokuthi zigubungele iinkonzo ezinokudityaniswa nokuhlala kwakho okuncedisiweyo.

Icandelo lezaMayeza A

Icandelo A yi-inshurensi yesibhedlele. Ibandakanya ezi ndlela zilandelayo zononophelo:

• Ukuhlala esibhedlele
• Ukuhlala ngaphakathi kwiziko lezempilo yengqondo
• indawo yokuhlala yabongikazi enezakhono
• Unonophelo lwehosisi
• ukhathalelo lwempilo ekhaya

ICandelo A aliquki iinkonzo zolondolozo ezichaphazelekayo kwimpilo encediswayo.

Icandelo leMedare B

Icandelo B yinshurensi yezonyango. Ibandakanya:

• Unonophelo lwangaphandle
• ukhathalelo oluyimfuneko
• Unonophelo oluthile

Nangona ezi nkonzo zinokunganikwa kwindawo yokuhlala encedisiweyo, kusenokufuneka uzisebenzise. Ngapha koko, amanye amaziko okuhlala anoncedo anokunceda ukulungelelanisa iinkonzo zonyango kunye nomboneleli wakho wezempilo.

Imizekelo yezinto ezigqunywe liCandelo B zibandakanya:

• iimvavanyo ezithile zaselebhu
• izitofu, ezinjengezo zomkhuhlane kunye ne-hepatitis B
• Ukuhlolwa kwesifo sentliziyo
• ulungiso lwenyama
• ukuhlolwa komhlaza, njengaleyo yebele, yomlomo wesibeleko, okanye yomhlaza obomvu
• Iinkonzo kunye nokubonelela
• Izixhobo zeswekile kunye nokubonelelwa
• ichemotherapy

Icandelo lonyango Medic C

Izicwangciso zeCandelo C zikwabizwa ngokuba zizicwangciso ze-Advantage. Banikezelwa ziinkampani zeinshurensi zabucala ezivunyiweyo yiMedicare.

Izicwangciso zeCandelo C zibandakanya izibonelelo ezinikezelwe kumacandelo A no-B kwaye ngamanye amaxesha ukugubungela iinkonzo ezongezelelweyo, ezinje ngombono, ukuva, kunye namazinyo. Iindleko kunye nokugubungela kuyahluka ngesicwangciso ngasinye.

NjengeMicrosoft Medicare (iinxalenye A kunye no-B), izicwangciso zeCandelo C azikugubungeli ukuhlala ngokuncediswa. Nangona kunjalo, banokugubungela ezinye zeenkonzo ukuba uhlala kwindawo yokuhlala yokuncedisa engazibandakanyi, ezinje ngezothutho kunye nokuba sempilweni okanye imisebenzi yempilo.

Icandelo leMedare D

Icandelo D kukugubungela amayeza amayeza. NjengeCandelo C, iinkampani zeinshurensi zabucala zibonelela ngezi zicwangciso. Umyinge kunye neendleko zingahluka ngokwesicwangciso ngasinye.

Icandelo lezonyango i-Medicare Part D ligubungela amayeza avunyiweyo nokuba uhlala phi. Ukuba uhlala kwindawo yokuhlala encedisiweyo kwaye uthatha amayeza amdwelisiweyo, iCandelo D liza kuwagubungela.

IMedigap

Unokubona iMedigap ekubhekiswa kuyo njenge-inshurensi yokuxhasa. I-Medigap inceda ukugubungela izinto ezingenayo i-Original Medicare. Nangona kunjalo, iMedigap ngokubanzi ayigubungeli ukhathalelo lwexesha elide, njengokuphila okuncediswayo.

Zeziphi izicwangciso zeMedicare ezinokuba zezona zilungileyo ukuba uyazi wena okanye umntu omthandayo anokufuna ukhathalelo lokuhlala ngo-2020?

Ke, unokwenza ntoni ukuba wena okanye umntu omthandayo angafuna ukhathalelo lokuhlala ngoncedo kunyaka olandelayo? Kukho amanyathelo onokuwathatha ukunceda isigqibo sokuba wenzeni.

Cinga ngezidingo zokhathalelo lwempilo

Nangona i-Medicare ingagubungeli ukuhlala ngokwakho, uya kufuna unyango kunye neenkonzo. Qiniseka ukuba uphonononge ukhetho lwakho phantsi kweMedare ngaphambi kokukhetha isicwangciso.

Khumbula ukuba izicwangciso zeCandelo C (i-Advantage) zinokunika ingxelo eyongezelelweyo, enje ngombono, amazinyo kunye nokuva. Banokubandakanya ezinye izibonelelo, njengobulungu bokuzivocavoca kunye nezothutho ukuya kugqirha.

Ukuba uyazi ukuba uyakufuna ukugqunywa ngamayeza amiselweyo, khetha isicwangciso seCandelo D. Kwiimeko ezininzi, iCandelo D libandakanyiwe kwizicwangciso zeCandelo C.

Kuba iindleko ezithile kunye nokugubungela iinxalenye C no-D zinokwahluka kwisicwangciso sokucwangcisa, kubalulekile ukuthelekisa izicwangciso ezininzi ngaphambi kokukhetha enye. Oku kunokwenziwa kwindawo yeMedicare.

I-Medicare ayigubungeli indawo yokuhlala encedisiweyo, ke kuyakufuneka unqume ukuba uza kuyihlawula njani. Zininzi iindlela onokukhetha kuzo:

• Iphuma epokothweni. Xa ukhetha ukuhlawula epokothweni, uya kuhlawula lonke iindleko zoncedo lokuhlala uncediswa nguwe.
• Unyango. Le yinkqubo edibeneyo yomdibaniso kunye neyaseburhulumenteni ebonelela ngoncedo lwasimahla okanye lwexabiso eliphantsi kukhathalelo lwempilo kubantu abafanelekileyo. Iinkqubo kunye neemfuno zokufaneleka zinokwahluka ngakwilizwe. Funda ngakumbi ngokundwendwela iwebhusayithi yeMedicaid.
• I-inshurensi yokhathalelo lwexesha elide. Olu luhlobo lomgaqo-nkqubo weinshurensi obandakanya ngokukodwa ukhathalelo lwexesha elide, kubandakanya ukhathalelo lokugcina.

Yintoni encediswa kukuphila?

Ukuphila okuncedisiweyo luhlobo lokhathalelo lwexesha elide kubantu abafuna uncedo kwimisebenzi yabo yemihla ngemihla kodwa abadingi uncedo oluninzi okanye ukhathalelo lonyango njengaleyo ibonelelwa kwiziko labongikazi abanezakhono (ikhaya labongikazi).

Iindawo zokuhlala ezincedisiweyo zingafunyanwa njengeziko elizimeleyo okanye njengenxalenye yekhaya labongikazi okanye indawo yoluntu yomhlala phantsi. Abahlali bahlala bahlala kumagumbi abo okanye kumagumbi abo kwaye banokufikelela kwiindawo ezahlukeneyo.

Ukuphila ngokuncediswa kufana nebhulorho phakathi kokuhlala ekhaya nokuhlala kwikhaya lokunyamekela abantu abalupheleyo. Ijolise ekudibaniseni izindlu, ukubeka esweni impilo, kunye noncedo kukhathalelo lomntu, ngelixa abahlali begcina ukuzimela kangangoko kunokwenzeka.

Iinkonzo ezinikezelwa kwindawo yokuhlala yokuhlala zihlala zibandakanya izinto ezinje:

• Ukujongwa nokubeka iliso iiyure ezingama-24
• ukuncediswa kwimisebenzi yemihla ngemihla, njengokunxiba, ukuhlamba okanye ukutya
• izidlo ezinikezwe kwindawo yokutyela yeqela
• ulungiselelo lweenkonzo zonyango okanye zempilo zabahlali
• ulawulo lwamayeza okanye izikhumbuzo
• iinkonzo zokugcina izindlu kunye nokuhlamba
• imisebenzi yolonwabo kunye nokuba sempilweni
• amalungiselelo ezothutho

Ixabisa malini imali yokunceda?

Kuqikelelwa ukuba indleko zonyaka eziphakathi zokunceda abantu. Iindleko zinokuphakama okanye zingaphantsi kunale. Inokuxhomekeka kwizinto ezahlukeneyo, kubandakanya:

• indawo yeziko
• indawo ethile ekhethiweyo
• inqanaba lenkonzo okanye ukongamela olufunekayo

Kuba iMedicare ayigubungeli indawo yokuhlala encediswayo, iindleko zihlala zihlawulwa epokothweni, ngeMedicaid, okanye ngeinshurensi yokhathalelo lwexesha elide.

Ukuba umntu omthandayo ubhalisa kwi-Medicare kunyaka olandelayo, landela ezi ngcebiso zintlanu ukubanceda babhalise:

• Bhalisa. Abantu abangakhange baqokelele izibonelelo zoKhuseleko lweNtlalo kuya kufuneka babhalise.
• Qaphela ubhaliso oluvulekileyo. Oku kusuka ngo-Okthobha u-15 ukuya ku-Disemba 7 minyaka le. Umntu omthandayo angabhalisa okanye enze utshintsho kwizicwangciso zabo ngeli xesha.
• Xoxa ngeemfuno zabo. Impilo yomntu wonke kunye neemfuno zonyango zihlukile. Yiba nencoko kunye nomntu omthandayo malunga nalezi zidingo ngaphambi kokuthatha isigqibo kwisicwangciso.
• Yenza uthelekiso. Ukuba umntu wakho omthandayo ujonge kwiindawo ze-Medicare C okanye D, thelekisa izicwangciso ezininzi ezinikezelwa kwindawo yabo. Oku kunokubanceda ukuba bafumane izibonelelo ezihlangabezana nazo zombini iimfuno zabo zonyango kunye nezemali.
• Nika ulwazi. Ulawulo loKhuseleko lweNtlalo lunokucela ukuba ubonelele ngolwazi malunga nolwalamano lwakho nomntu omthandayo. Ukongeza, umntu omthandayo kufuneka asayine ngokwabo isicelo seMedicare.

Umgca wezantsi

Ukuhlala ngokuncediswa linyathelo eliphakathi kokuhlala ekhaya nokuhlala kwikhaya lokunyamekela abantu abadala. Idibanisa ukubekwa kweliso kwezonyango kunye noncedo kwimisebenzi yemihla ngemihla ngelixa ibonelela ngokuzimela kangangoko kunokwenzeka.

I-Medicare ayigubungeli indawo yokuhlala yokunceda. Nangona kunjalo, kubalulekile ukuba ukhumbule ukuba i-Medicare isenokugubungela ezinye zeenkonzo zonyango ozifunayo, ezinje ngononophelo lwangaphandle, amayeza kagqirha, kunye nezinto ezinje ngamazinyo nombono.

Iindleko zokuncediswa kokuphila zinokwahluka ngokuxhomekeka kwindawo okuyo kunye nenqanaba lokhathalelo olifunayo. Unonophelo lokuhlala uncediswa kuhlala kuhlawulwa ngalo epokothweni, ngeMedicaid, okanye ngomgaqo-nkqubo weinshurensi yokhathalelo lwexesha elide.

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.

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