Unyango lweMedare kwiinkqubo zoLumkiso lwezoNyango

Umxholo

• Ngaba amayeza ayazigubungela iinkqubo zokulumkisa ngezonyango?
• Ndingalufumana njani uncedo lokuhlawula inkqubo yezilumkiso zonyango?
• Ngubani omele acinge ngokufumana inkqubo yokulumkisa ngonyango?
• Iinkonzo zokuba nenkqubo yokulumkisa ngonyango
• Umngcipheko wokuba nenkqubo yokulumkisa ngonyango
• Iindidi zeenkqubo zezilumkiso zonyango
• Ukuthatha

• I-Medicare yoqobo ayiboneleli ngogqatso kwiinkqubo zezilumkiso zonyango; Nangona kunjalo, ezinye izicwangciso ze-Medicare Advantage zinokubonelela ngokugubungela.
• Zininzi iintlobo ezahlukeneyo zeenkqubo ezikhoyo zokuhlangabezana neemfuno zakho.
• Kukho ezinye iindlela zokonga kwiinkqubo zokulumkisa, kubandakanya nokunxibelelana neenkampani zezixhobo ngokuthe ngqo kwizaphulelo ezinokubakho.

Iinkqubo zokulumkisa ngonyango zikuvumela ukuba ufumane uncedo ukuba uwedwa kwaye unexesha likaxakeka okanye wenzakele. Ngokwesiqhelo, iqhosha kwisixhobo lithumela umqondiso kwinkampani yokulumkisa ibazise ukuba ufuna uncedo.

Nangona ezi zixhobo zinokubonelela ngoxolo lwengqondo kunye noncedo kwiimeko zongxamiseko, i-Medicare ayithathi njengezixhobo zonyango eziyimfuneko. I-Medicare ayihlali igubungela iindleko zokuthenga okanye zokugcina inkqubo yokulumkisa.

Kule nqaku, siza kuvavanya iinxalenye ze-Medicare ezinokuthi zibonelele ngenkqubo yonyango kunye nendlela yokukhetha enye ukuba uyithenga ngokwakho.

Ngaba amayeza ayazigubungela iinkqubo zokulumkisa ngezonyango?

Iinkqubo zezilumkiso zonyango azidweliswanga phantsi kweenkonzo okanye izixhobo ezigutyungelweyo zikaMedare. Oku kunokwenzeka ngenxa yokuba iinkqubo zokulumkisa kwezonyango azithathwa njenge "ziyimfuneko kwezonyango" kwaye aziyiphuculi ngokuthe ngqo impilo yomntu (njengokujonga eswekile yegazi kukunceda ujonge kwaye uphathe isifo seswekile).

• Icandelo leMedicare B ligubungela izixhobo zonyango ezizinzileyo, ezinjengezihambahamba, izitulo ezinamavili, okanye iintonga. Iinkqubo zokulumkisa ngonyango azifaneleki njengezixhobo zonyango ezizinzileyo kwaye ke azigutyungelwanga.
• I-Medicare Icandelo C okanye i-Medicare Advantage sisicwangciso esibonelelwa ziinkampani zeinshurensi zabucala. Ezinye izicwangciso zibonelela ngezibonelelo ezongezelelweyo kunye neenkonzo ezingenziwa yiMedicare yemveli. Kwezinye izicwangciso, oku kunokubandakanya iinkqubo zokulumkisa zonyango. Jonga umboneleli wakho wesicwangciso ukufumanisa ukuba ngaba banikezela ngenkqubo yeesilumkiso zonyango.
• I-inshurensi yokuncedisa iMedigap okanye ye-Medicare inceda ekucimeni ezinye zeendleko zokuphuma epokothweni ngeMedicare yoqobo, ezinjengezinto ezikhutshiweyo kunye neepopayments. Nangona kunjalo, kuba i-Medicare yoqobo ayizigubungeli iinkqubo zokulumkisa kwezonyango, iMedigap ayizigubungeli nayo.

Ukuba unesicwangciso seMedicare Advantage, unokuba nazo zonke okanye isahlulo seendleko ezigutyungelweyo. Nangona kunjalo, une-inshurensi yokuqala yonyango kuphela, kuya kufuneka uhlawule zonke iindleko eziphuma epokothweni yakho. Siza kujonga ezinye iindlela ezimbalwa zokonga kwiinkqubo zezilumkiso zonyango ngokulandelayo.

Ndingalufumana njani uncedo lokuhlawula inkqubo yezilumkiso zonyango?

Iinkqubo zokulumkisa ngonyango zinokuba nemirhumo eliqela, kubandakanya neendleko zokuthenga inkqubo, umrhumo wokuqalisa, kunye nentlawulo yenyanga. Ezinye zeendlela onokufumana ngazo uncedo lwezezimali ngenkqubo yokulumkisa amayeza zibandakanya:

• Ukujonga ukuba iMedicaid iya kuzihlawula iindleko. Ukuba ulungele iMedicaid kwilizwe lakho, ezinye iinkqubo zinokunceda ukuhlawula ezinye okanye zonke iindleko zenkqubo yokulumkisa ngonyango.
• Ukunxibelelana nenkampani ngezaphulelo ezinokubakho. Ezinye iinkampani zezilumkiso zonyango ziya kubonelela ngezaphulelo ngokusekwe kwingeniso, ubulungu kwimibutho eyahlukeneyo, okanye nakwisibhedlele sendawo.
• Ukujonga ukuncitshiswa kwerhafu. Ngamanye amaxesha, unokutsala yonke into okanye isahlulo seendleko ezinxulumene neenkqubo zezilumkiso zonyango. Jonga ingcali yokulungiselela irhafu ukubona ukuba oku kuyasebenza kwimeko yakho.

Iinkqubo zokulumkisa ngonyango zinokuba yindleko eyongezelelweyo xa iindleko zokhathalelo lwempilo sele zibiza kakhulu. Nazi ezinye iindlela onokuzigcina kwisicwangciso sonyango okanye kwinkqubo:

• Gwema izivumelwano zexesha elide. Ukuba imeko iza apho ungazukusebenzisa inkqubo okomzuzwana, njengokuhlala ixesha elide esibhedlele, kuya kuba luncedo ukukwazi ukurhoxisa icebo ngaphandle kwesigwebo. Izicwangciso zexesha elide zingaqhubeka zikubhatalisa ngalo lonke ixesha lesivumelwano okanye zibize intlawulo yokurhoxisa kwangethuba.
• Khangela izicwangciso zokubuyela. Izicwangciso ezininzi zokulumkisa ngonyango zibonelela ngenkqubo yolingo yeentsuku ezingama-30. Oku kunokunceda ekuqinisekiseni ukuba uyakwazi ukusebenzisa isixhobo kwaye kusebenza kakuhle kuwe ngaphambi kokuzibophelela kwisivumelwano sexesha elide.
• Tsalela inkampani ngqo. Iinkampani ezininzi zivumela abameli beenkonzo zabathengi ukuba banikeze izaphulelo okanye ezinye izaphulelo ukongezwa kweendleko.

Ngubani omele acinge ngokufumana inkqubo yokulumkisa ngonyango?

Inkqubo yezilumkiso kwezonyango inokubonelela ngoxolo lwengqondo kuwe nakwintsapho yakho. Ngokwenqaku lephepha-ndaba lakutshanje, uphando lubonisa ukuba iinkqubo zezilumkiso zonyango zinokubonelela ngezibonelelo ezithile.

Iinkonzo zokuba nenkqubo yokulumkisa ngonyango

• Ukuncipha koxinzelelo olunxulumene noloyiko lokuwa.
• Ukuphucula ukuzithemba ekwenzeni imisebenzi yemihla ngemihla.
• Intuthuzelo eyandisiweyo yokuba inkqubo kulula ukuyisebenzisa.
• Ukhuseleko oluphuculweyo luyazi ukuba uncedo luya kubakho xa kufuneka njalo.

Nangona kunjalo, kunokubakho ukwehla okuqwalaselweyo.

Umngcipheko wokuba nenkqubo yokulumkisa ngonyango

• Inkqubo inokuba nzima okanye kunzima ukuyisebenzisa, ibangele uxinzelelo kunye noxinzelelo.
• Akunakulichaphazela ixesha elithathwayo ukuze uncedo lufike, ixesha elichithwe esibhedlele, okanye ixesha lokubuyisela emva kokuwa.
• Iindleko zesixhobo sokuqala kunye nemirhumo yenyanga inokuba yinkcitho ebalulekileyo eyongeziweyo. Wena okanye umntu omthandayo kuya kufuneka uhlawule kakhulu ukuba ayizizo zonke ezi ntlawulo epokothweni yakho.

Iindidi zeenkqubo zezilumkiso zonyango

Iinkqubo zokulumkisa ngonyango zihlala zinezinto ezintathu. Oku kubandakanya iqhosha lokunceda, inkqubo yonxibelelwano ehlala ekhaya, kunye neziko lokuphendula ngokukhawuleza. Ezinye iinkqubo zinokubonelela ngeempawu ezongezelelweyo, kubandakanya ukufunyanwa kokuwa.

Nalu ukujonga ngokubanzi ezinye zeentlobo zeenkqubo ezikhoyo ezikhoyo namhlanje:

• Abancedisi basekhaya. Oku kunokubandakanya iAmazon's Alexa okanye iKhaya likaGoogle, apho unokunika khona ilizwi lokuyalela ukuba ubize ilungu losapho. Nangona kunjalo, uninzi lwezi zixhobo okanye ezifanayo azinakho ukubiza u-911. Kananjalo, kuxhomekeka kwindawo owela kuyo, isixhobo sinokungakwazi ukufumana ilizwi lakho.
• Iiselfowuni / iinkqubo ze-smartphone. Ii-Smartphones yindlela ephathekayo yakho yokuqhagamshelana noncedo olungxamisekileyo. Umsebenzi weGPS unokunceda abanye bakufumane. Nangona kunjalo, ukuze oku kusebenze njengenkqubo yonxibelelwano engxamisekileyo, kuya kufuneka ube nayo ngamaxesha onke.
• Iiwotshi smart. Iwotshi “ene-smart” inenkqubo yonxibelelwano engenazingcingo enokukuvumela ukuba wenze iminxeba ngokusebenzisa iselfowuni okanye inkqubo engenazingcingo. Ezinye iiwotshi ezikrelekrele ziya kukuvumela ukuba ubize iinkonzo zongxamiseko kwiyure yakho Banokubonelela ngokulandela umkhondo we-GPS kunye nokujonga esweni kwentliziyo ngokunjalo.
• Iindlela ezimbini zonxibelelwano. Iindlela ezimbini zonxibelelwano zibandakanya isongo okanye isacholo somqala esinamaqhosha onokucofa kuwo ukunxibelelana neziko lokufowuna. Iziko lokutsalela umnxeba liya kuvavanya ukuba loluphi na uhlobo loncedo oludingayo uluthumele ekhayeni lakho.Le nkqubo yokunxibelelana inokusetyenziswa kuphela ekhayeni lakho kuba ayinayo inkqubo yokulandelela i-GPS.

Isixa kunye neentlobo zeenkqubo zokulumkisa zonyango ezikhoyo zinokuba nzima. Ungaqala ngokujonga ezona mfuno zakho, iimali kunye nayo nayiphi na imeko onokuba unayo. Ezinye izinto ekufuneka ziqwalaselwe zibandakanya:

• Ngaba uyafuna iteknoloji yeGPS? Ukuba kunjalo, uzakufuna isixhobo esisebenza kwinethiwekhi yeselula. Ukuba awulishiyi ikhaya lakho rhoqo, ngekhe ufune iteknoloji yeGPS.
• Ubuchwephesha obunjani ubuchwephesha? Ukuba awulunganga kwizixhobo, inkqubo yokulumkisa iqhosha elineqhosha kunokuba lula kwaye ilulutho kwimeko engxamisekileyo.
• Ngaba ufuna inkqubo ejongiweyo? Inkqubo ebekiweyo ifuna umrhumo wenyanga, kodwa inika amandla okuthetha nomqhubi ophilayo ukuba unengxaki yonyango.
• Ungakanani imali onokuyisebenzisa? Ukuba ugcina uhlahlo-lwabiwo mali olungqongqo, isongo lesilumkiso sonyango linokufikeleleka ngakumbi kunezixhobo kunye neenkqubo ezibiza kakhulu.

Ukunciphisa ezi zinto kunokukunceda ufumane inkqubo efanelekileyo yokulumkisa ngonyango.

Ukuthatha

• I-Medicare ayizukuhlawulela iinkqubo zokulumkisa ngonyango, kodwa i-Medicare Advantage okanye iMedicaid inokunceda ukuhlawulela ezinye okanye zonke iindleko.
• Ukunxibelelana nenkampani yesixhobo ngokuthe ngqo ukubuza malunga nezaphulelo kunokubonelela ngokonga iindleko.
• Cinga ngeemfuno zakho kunye nezabo ubathandayo ukuvavanya ukuba ngaba isixhobo sokulumkisa kwezonyango sikulungele kwaye yeyiphi enokuthi isebenze ngcono kwimeko yakho.

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.