Unyango ngamayeza okuyeka ukuTshaya

Umxholo

• Yintoni i-Medicare egubungela ukuyeka ukutshaya?
• Iinkonzo zokucebisa
• Ingaba ibiza malini?
• Amachiza amiselweyo
• Ingaba ibiza malini?
• Yintoni engagutyungelwanga yiMedicare?
• Kuyintoni ukuyeka ukutshaya?
• Ukuthatha

• Unyango lubonelela ngokuyeka ukutshaya, kubandakanya amayeza kagqirha kunye neenkonzo zokucebisa.
• Umyinge unikezelwa ngamacandelo e-Medicare B kunye no-D okanye ngesicwangciso se-Medicare Advantage.
• Ukuyeka ukutshaya kunezibonelelo ezininzi, kwaye zininzi izixhobo zokukunceda ekuhambeni.

Ukuba ulungele ukuyeka ukutshaya, i-Medicare inokunceda.

Unokufumana ukugubungela ukuyeka ukutshaya ngokusebenzisa i-Medicare yasekuqaleni (iinxalenye A kunye no-B) -ngokukodwa i-Medicare Icandelo B (i-inshurensi yezonyango). Unokufumana ingxelo phantsi kwesicwangciso seMedicare Advantage (Icandelo C).

I-Medicare ithathela ingqalelo iinkonzo zokuyeka ukutshaya njengenkathalo yokuthintela. Oku kuthetha ukuba kwiimeko ezininzi, awunyanzelekanga ukuba uhlawule naziphi na iindleko zokuphuma epokothweni.

Qhubeka ufunda ukuze ufumane okungakumbi malunga nokugutyungelwa yiMedicare ukukunceda uyeke ukutshaya.

Yintoni i-Medicare egubungela ukuyeka ukutshaya?

Iinkonzo zokuyeka ukutshaya ziwela phantsi kweMedareare B, egubungela iinkonzo ezahlukeneyo zokuthintela.

Ukhuselekile ukuya kuthi ga kwimizamo emibini yokuyeka unyaka nonyaka. Inzame nganye ibandakanya iiseshoni ezine zokunxibelelana ubuso ngobuso, iseshoni yeeseshoni ezisibhozo zokugutyungelwa ngonyaka.

Kunye nokucebisa, ugqirha wakho unokucebisa amayeza kagqirha ukukunceda uyeke ukutshaya. Icandelo leMedicare B aligqubutheleli imigqaliselo, kodwa ungayithenga le ngxelo ngesicwangciso seMedicare Part D (isichazi). Isicwangciso seCandelo D siya kukunceda ekuhlawuleni ezi ndleko.

Unokuzifumana ezi nkonzo phantsi kwesicwangciso seMedicare Advantage. Izicwangciso ze-Medicare Advantage, ezikwabizwa ngokuba zizicwangciso ze-Medicare Part C, ziyafuneka ukuba zibonelele ngokugubungela okufanayo ne-Medicare yoqobo.

Ezinye izicwangciso ze-Advantage zibandakanya ukukhutshwa kweziyobisi, kunye nokuncedisa ukuyeka ukutshaya kunceda ukuba i-Medicare yasekuqaleni ingagubungeli.

Iinkonzo zokucebisa

Ngexesha leseshoni zokucebisa ukukunceda uyeke ukutshaya, ugqirha okanye ingcali iya kukunika iingcebiso ezizezakho malunga nendlela onokuthi uyeke ngayo. Uya kufumana uncedo nge:

• ukwenza isicwangciso sokuyeka ukutshaya
• Ukuchonga iimeko ezibangela ukuba ufune ukutshaya
• ukufumana ezinye iindlela ezinokutshintsha ukutshaya xa unomdla
• ukususa iimveliso zecuba, kunye neelayita kunye neetrayi, kwikhaya lakho, emotweni okanye eofisini
• Ukufunda ngendlela ukuyeka isikolo kunokunceda ngayo impilo yakho
• ukuqonda iimpembelelo ezingokweemvakalelo nezomzimba onokuhamba kuzo ngelixa uyeka

Unokufumana iingcebiso ngeendlela ezahlukeneyo, kubandakanya umnxeba kunye neeseshoni zamaqela.

Ukucebisa ngefowuni kunika yonke inkxaso yeeseshoni ezise-ofisini kodwa akufuneki ushiye ikhaya lakho.

Kwiiseshoni zamaqela, abacebisi bakhokela ingqokelela encinci yabantu abasebenza besebenza kwinjongo enye, njengokuyeka ukutshaya. Ukucebisa ngamaqela kunokuba yindlela elungileyo yokufumana inkxaso kubantu abayaziyo into ohamba kuyo kunye nokwabelana ngempumelelo yakho kunye nobunzima bakho.

Umcebisi omkhethileyo kufuneka avunywe yiMedicare ukuba ufuna ukuba neenkonzo ezigutyungelweyo. Kuya kufuneka utshaye ngoku kwaye ubhalise kwi-Medicare. Unokufumana ababoneleli kwindawo yakho usebenzisa iwebhusayithi ye-Medicare.

Ingaba ibiza malini?

Iindleko zeeseshoni zakho ezisibhozo zokucebisa ziya kugutyungelwa ngokupheleleyo yiMedicare ukuba nje usebenzisa umboneleli ovunyiweyo weMedicare. Iindleko zakho kuphela ziya kuba yiprimiyamu yenyanga yakho yecandelo B (okanye ipremiyamu yesicwangciso sakho senzuzo yonyango), kodwa le iya kuba sisixa esifanayo oqhele ukusihlawula.

Amachiza amiselweyo

Ugqirha wakho unokukunika amayeza anokunceda uyeke ukutshaya. La machiza akunceda uyeke ngokunciphisa umnqweno wakho wokutshaya.

Ukulungela ukugubungela, amayeza kufuneka amiselwe ngugqirha wakho kunye noLawulo lwezoKutya kunye noLawulo lweziyobisi (i-FDA) ukunceda ngokuyeka ukutshaya. Okwangoku, i-FDA ivume iindlela ezimbini zokumiselwa:

• Chantix (varenicline tartrate)
• UZyban (bupropion hydrochloride)

Ukuba unesicwangciso samachiza amayeza ngokusebenzisa i-Medicare Part D okanye i-Medicare Advantage, kuya kufuneka ugqunywe ngala mayeza. Ngapha koko, nasiphi na isicwangciso onaso ngeMedicare kufuneka sigqibe ubuncinci iyeza elinye lokuyeka ukutshaya.

Ingaba ibiza malini?

Unokufumana iifom eziqhelekileyo zala mayeza, kwaye ziyafikeleleka ngokubanzi.

Ixabiso eliqhelekileyo le-bupropion (uhlobo oluqhelekileyo lweZyban) lujikeleze i- $ 20 yokubonelela ngeentsuku ezingama-30, ngaphandle kwe-inshurensi okanye amatikiti. Eli xabiso yinto onokuyihlawula ngaphandle kwe-inshurensi. Ixabiso langempela oza kulihlawula lixhomekeke kwisicwangciso sakho seinshurensi, indawo okuyo, kunye nekhemesti oyisebenzisayo.

Iindleko zakho eziphuma epokothweni ziya kuxhomekeka kwiCandelo D elithile okanye kwisicwangciso seNzuzo. Ungajonga uluhlu lwesicwangciso sakho samayeza agqunywe, awaziwa njengefomula, ukuba ufuna ukubona ukuba ngawaphi amayeza afakiwe.

Ikwangumbono olungileyo ukuthenga ezivenkileni kwindawo ohlala kuyo ngexabiso elifanelekileyo.

Yintoni engagutyungelwanga yiMedicare?

Amayeza amiselweyo kuphela okuyeka ukutshaya agqunywe yiMedicare. Iimveliso ezingaphezulu kwekhawuntarethi azingagutyungelwanga. Ke, nokuba banokukunceda uyeke ukutshaya, kuya kufuneka ubabhatalele epokothweni.

Ezinye iimveliso ezikhoyo kwi-counter zibandakanya:

• Intshongo
• iicicin lozenges
• Amachaphaza e-nicotine
• inhalers zenikotini

Ezi mveliso zaziwa njengonyango lokutshintsha intshongo. Ukuzisebenzisa kunokukunceda uyeke ngokuthe chu, kuba ziyakuvumela ukuba ufumane idosi encinci ye-nicotine ngaphandle kokutshaya. Le nkqubo inokukunceda ufumane iimpawu ezimbalwa zokurhoxa.

Nokuba yeyiphi imveliso oyikhethayo, injongo kukuyisebenzisa kancinci njengoko ixesha liqhubeka. Ngale ndlela, umzimba wakho uya kulungelelanisa nenicotine encinci.

I-Medicare yoqobo ayigubungeli nayiphi na kwezi mveliso zithengiswayo.

Ukuba unesicwangciso seMedicare Advantage, nangona kunjalo, kunokubandakanya ukugubungela okanye izaphulelo kwezi mveliso. Ungajonga iinkcukacha zesicwangciso sakho okanye ukhangele enye kwindawo yakho egubungela ezi mveliso usebenzisa isifumani sicwangciso seMedicare.

Kuyintoni ukuyeka ukutshaya?

Inkqubo yokuyeka ukutshaya yaziwa njengokuyeka ukutshaya. Ngokophando olwenziwe yiCDC, phantse abantu abadala abatshayayo baseMelika bafuna ukuyeka ngo-2015.

Izizathu zokuyeka ukutshaya zibandakanya:

• ukwanda kwexesha lokuphila
• ukunciphisa umngcipheko wezifo ezininzi
• ukuphuculwa kwezempilo ngokubanzi
• umgangatho ophuculweyo wolusu
• ingqiqo engcono yokunambitha kunye nevumba
• Umkhuhlane ezimbalwa okanye iimpawu komzimba

Ixabiso lesigarethi yenye into ekhokelela ekubeni abantu abaninzi bayeke. Uphando lubonisa ukuba ukuyeka ukutshaya kungakongela imali engange- $ 3,820 ngonyaka. Ngaphandle koku, kuphela ngabantu abatshayayo abaphumeleleyo ukuyeka ngo-2018.

Ukuba uzama ukuyeka, iindlela zokuyeka ukutshaya zinokukunceda ngeempawu zokurhoxa kwe-nicotine kwaye zikunike izixhobo ozifunayo ukuze uhlale ungatshayi.

Unokuzama ezinye iindlela ezininzi ukongeza kwiiseshoni zokucebisa, ukumiselwa, kunye nemveliso ethengiswa ngaphandle kwe-counter.

Umzekelo, uninzi lweeapps ze-smartphone ziyilelwe ukukunceda ulawule iminqweno yakho kwaye ufumane inkxaso yoontanga. Unokufumana kwakhona iindlela ezingezizo ezesiko, njengokulungisa umntu okanye amayeza esintu, aluncedo.

Abanye abantu basebenzisa i-e-cigarettes xa bezama ukuyeka, kodwa le ndlela ayikhuthazwa.

Nazi ezinye izixhobo ezongezelelweyo xa ulungele ukuthatha inyathelo elilandelayo:

• Inethiwekhi yeSizwe yokuNqunyanyiswa koTywala. Le nombolo iya kukudibanisa nengcali enokukunceda wenze isicwangciso sokuyeka ukulunga. Ungatsalela umnxeba kwi-800-QUITNOW (800-784-8669) ukuze uqalise.
• Ukutshaya. ISmokefree inokukukhokelela kwizibonelelo, ukuseta ingxoxo kunye nomcebisi oqeqeshiweyo, kwaye akuncede ulandele inkqubela phambili yakho.
• Inkululeko ekutshayeni. Le nkqubo, ebonelelwe yiAmerican Lung Association, ibinceda abantu bayeke ukutshaya ukusukela ngo-1981.

Ukuthatha

I-Medicare inokukunceda uyeke ukutshaya. Ibandakanya iintlobo ezahlukeneyo zeenkqubo.

Njengoko uthatha isigqibo sokuba loluphi ukhetho olulungele wena, gcinani engqondweni ukuba:

• I-Medicare ithathela ingqalelo ukuyeka ukhathalelo lokuthintela.
• Unokufumana iiseshoni zokucebisa ukuyeka ukutshaya ezisibhozo zigutyungelwe unyaka nonyaka, ukuba umboneleli wakho ubhalisile kwiMedicare.
• Unokufumana amayeza amayeza agqunywe phantsi kweCandelo leMedicare D okanye iMedicare Advantage.
• I-Medicare yoqobo ayigubungeli iimveliso zekhawuntareni, kodwa isicwangciso seNzuzo sinoku.
• Ukuyeka ukutshaya ngokwakho kunokuba nzima, kodwa iinkqubo zokuyeka, amayeza kunye nenkxaso yoontanga kunokunceda.

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.