Ukuqonda iCandelo leMedare B Ukufaneleka

Umxholo

• Zithini iimfuno zokufaneleka kwiCandelo B le-Medicare?
• Uneminyaka engama-65 ubudala
• Ukhubazekile
• Unayo i-ESRD okanye i-ALS
• Yintoni i-Medicare Part B egubungela ngayo?
• Ngaba zikhona ezinye iindlela zokugubungela okufanayo?
• Icandelo lonyango Medic C
• Icandelo leMedare D
• IMedigap
• Ukuthatha

Ukuba ujonge ukubhalisa kwi-Medicare kulo nyaka, kubalulekile ukuqonda iimfuno ze-Medicare Part B zokufaneleka.

Uvumelekile ngokuzenzekelayo ukuba ubhalise kwi-Medicare Part B xa uneminyaka engama-65 ubudala. Ufanelekile ukuba ubhalise phantsi kweemeko ezizodwa, ngokungathi unesifo sokukhubazeka okanye isifo se-renal sokugqibela (ESRD).

Kule nqaku, siza kuvavanya ukuba ngubani ofanelekileyo kwi-Medicare Part B, indlela yokubhalisa, kunye nexesha elibalulekileyo leMedicare lokuthatha ingqalelo.

Zithini iimfuno zokufaneleka kwiCandelo B le-Medicare?

I-Medicare Icandelo B lukhetho lwe-inshurensi yezempilo olufumanekayo kubantu baseMelika xa sele befikelela kubudala beminyaka engama-65.Nangona kunjalo, kukho iimeko ezithile ezizodwa apho unokufanelekela ukubhalisa kwi-Medicare Part B ngaphambi kweminyaka engama-65.

Apha ngezantsi, uya kufumana iimfuno zokufaneleka ukubhalisa kwi-Medicare Icandelo B.

Uneminyaka engama-65 ubudala

Ufaneleke ngokuzenzekelayo kwiCandelo le-Medicare xa sele uneminyaka engama-65 ubudala. Nangona kuyakufuneka ulinde ukusebenzisa izibonelelo zakho kude kube ngumhla wokuzalwa kwakho wama-65, ungabhalisa:

• Iinyanga ezi-3 phambi kokuzalwa kwakho kwama-65
• ngomhla wokuzalwa kwakho wama-65
• Kwiinyanga ezi-3 emva kosuku lwakho lokuzalwa lwama-65

Ukhubazekile

Ukuba ukhubazekile kwaye ufumana iintlawulo zokukhubazeka, uvumelekile ukuba ubhalise kwi-Medicare Part B nokuba awunayo iminyaka eyi-65. Ngokutsho koLawulo loKhuseleko lweNtlalo, ukukhubazeka okufanelekileyo kunokubandakanya:

• ukuphazamiseka kwengqondo
• ukuphazamiseka kwentliziyo kunye negazi
• Ukuphazamiseka kwenkqubo yokwetyisa
• ukuphazamiseka kwemithambo-luvo
• ukuphazamiseka kwengqondo

Unayo i-ESRD okanye i-ALS

Ukuba unikwe isifo se-ESRD okanye i-amyotrophic lateral sclerosis, uvumelekile ukubhalisa kwi-Medicare Part B nokuba awukabi nayo iminyaka engama-65.

Yintoni i-Medicare Part B egubungela ngayo?

Icandelo leMedicare B ligubungela ukuxilongwa kwezigulana, unyango kunye nokuthintela iimeko zonyango.

Oku kubandakanya ukutyelela kwigumbi likaxakeka, kunye neenkonzo zokuthintela impilo njengokundwendwela ugqirha, ukuhlolwa kunye novavanyo lwe-diaganostic, kunye nezinye izitofu.

Ngaba zikhona ezinye iindlela zokugubungela okufanayo?

Icandelo leMedicare B lukhetho olunye olufumanekayo kubaxhamli beMedicare. Nangona kunjalo, eyona nkxaso ibalaseleyo kuwe iya kuxhomekeka ngokupheleleyo kwimeko yakho yezonyango kunye neyezemali.

Olunye ukhetho lokugubungela olunokusetyenziselwa endaweni okanye ngokudibeneyo neCandelo leMedare B kubandakanya:

• Icandelo lonyango Medic C
• Icandelo leMedare D
• IMedigap

Icandelo lonyango Medic C

Icandelo leMedicare C, ekwabizwa ngokuba yiMedicare Advantage, lukhetho olunikezelwa ziinkampani zeinshurensi zabucala kubaxhamli beMedicare.

Ufumene i-Medicare Advantage ukuba ibe yindlela eyaziwayo ye-Medicare, phantse isinye kwisithathu sabaxhamli abakhetha isicwangciso se-Advantage ngaphezulu kwe-Medicare yesiko.

Ukubhalisa kwiCandelo leMedicare C, kufuneka ubhalise kwicandelo A no-B.

Ngaphantsi kwesicwangciso se-Medicare Advantage, uya kugutyungelwa ngokubanzi:

• iinkonzo zesibhedlele
• iinkonzo zonyango
• amayeza amiselweyo
• zamazinyo, umbono, kunye neenkonzo zokuva
• iinkonzo ezongezelelweyo, ezifana nobulungu bokuqina

Ukuba unesicwangciso seMedicare Part C, sithatha indawo yonyango lwantlandlolo.

Icandelo leMedare D

Icandelo lonyango i-Medicare longezelelwa kukugunyazwa kwamayeza kuye nakubani na obhalise kwi-Medicare yoqobo.

Ukuba unomdla wokubhalisa kwiCandelo D, uya kufuna ukuqinisekisa ukuba wenze njalo ngokukhawuleza. Ukuba awubhalisi kwiCandelo C, iCandelo D, okanye ukulingana kweziyobisi kwiintsuku ezingama-63 zobhaliso lwakho lokuqala, uya kujongana nesohlwayo esisigxina.

Ukuba ubhalise kwisicwangciso seCandelo C, awuyi kufuna i-Medicare Icandelo D.

IMedigap

I-Medigap lolunye ukhetho lokongeza kuye nakubani na obhalise kwi-Medicare yoqobo. IMedigap yenzelwe ukunceda ukuhlawula iindleko ezithile ezinxulunyaniswa neMedicare, ezinje ngeepremiyamu, ezikhutshiweyo kunye neepopay.

Ukuba ubhalise kwisicwangciso seCandelo C, ngekhe ubhalise kugqatso lweMedigap.

Kubaluleke kakhulu ukuba ungaphoswa naliphi na ixesha elibekiweyo le-Medicare, njengoko oku kunokubangela ukuba ujongane nezohlwayo ezifike mva kunye nezikhewu kukugubungela. Nantsi imihla emiselweyo yeMedicare yokuhlawula ingqalelo:

• Ubhaliso loqobo. Ungabhalisa kwi-Medicare Icandelo B (nakwiCandelo A) kwiinyanga ezi-3 ngaphambili, inyanga, kunye neenyanga ezi-3 emva kosuku lwakho lokuzalwa lwama-65.
• Ubhaliso lweMedigap. Ungabhalisa kumgaqo-nkqubo weMedigap oncedisayo ukuya kuthi ga kwiinyanga ezi-6 emva kokuba uneminyaka engama-65 ubudala.
• Ubhaliso lwasemva kwexesha. Ungabhalisa kwisicwangciso seMedicare okanye isicwangciso seMedicare Advantage ukusukela nge-1 kaJanuwari-Matshi 31 ukuba awuzange ubhalise xa wawufanelekile okokuqala.
• Ubhaliso kwiCandelo D. Ungabhalisa kwisicwangciso seCandelo D ukusukela nge-1 Epreli-Juni 30 ukuba awuzange ubhalise xa wawufanelekile okokuqala.
• Cwangcisa utshintsho kubhaliso. Ungabhalisa, uphume, okanye utshintshe isicwangciso sakho seC C okanye iCandelo D ukusukela ngo-Okthobha u-15 ukuya ku-Disemba 7, ngexesha lokuvula elivulekileyo.
• Ubhaliso olulodwa. Phantsi kweemeko ezizodwa, unokulungela ukubhaliswa kangangexesha leenyanga ezili-8.

Ukuthatha

Ukufaneleka kweCandelo B kuqala kubantu abaninzi baseMelika xa beneminyaka engama-65. Iziqinisekiso zemfundo ezizodwa, ezinjengokukhubazeka kunye neemeko ezithile zonyango, zinokukwenza ufaneleke ukubhalisa kwiCandelo B kwangethuba.

Ukuba ufuna ukogquma okungaphezulu kunoko kunikwa liCandelo B, ezinye iindlela zokugubungela zibandakanya iCandelo C, Icandelo D, kunye neMedigap.

Ukuba unomdla wokubhalisa kwi-Medicare yokugubungela naluphi na uhlobo, naka ingqalelo ixesha elibekiweyo lokubhalisa kwaye undwendwele iwebhusayithi yoKhuseleko lweNtlalo ukuze uqalise.

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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