Ukophula ukubila: I-Medicare kunye neSilverSneakers

Umxholo

• Yintoni iSilverSneakers?
• Ngaba iyeza lisebenza ngeSilverSneakers?
• Ngawaphi amalungu e-Medicare afihla i-SilverSneakers?
• Ixabisa malini iiteki zesilivere?
• Umgca wezantsi

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Ukuzivocavoca umzimba kubalulekile kuwo onke amaqela obudala, kubandakanya nabantu abadala.

Ukuqinisekisa ukuba uhlala usebenza ngokwasemzimbeni kunokunceda ukugcina ukuhamba nokusebenza komzimba, uphakamise imo yakho, kwaye wenze imisebenzi yakho yemihla ngemihla ibe lula.

ISilverSneakers yinkqubo yezempilo kunye neyokomelela komzimba ebonelela ngokufikelela kwimithambo kunye neeklasi zokomelela komzimba kubantu abadala. Igqunywe zizicwangciso ezithile zeMedicare.

Abathathi-nxaxheba beSilverSneakers bafumanise ukuba abantu abatyelele ngakumbi ukuzivocavoca banamanqaku aphezulu okuzixela ngokwasemzimbeni nangokwengqondo.

Qhubeka ufunda ukuze ufunde ngakumbi ngeSilverSneakers, ethi icwangcise i-Medicare, kunye nokunye.

Yintoni iSilverSneakers?

ISilverSneakers yinkqubo yezempilo kunye neyokomelela komzimba ejolise ngokukodwa kubantu abadala abaneminyaka engama-65 nangaphezulu.

Ibandakanya ezi zibonelelo zilandelayo:

• Ukusetyenziswa kweendawo zokuzivocavoca ezithatha inxaxheba, kubandakanya izixhobo zokomelela komzimba, iiphuli, kunye neendlela zokuhamba
• iiklasi zomzimba owenzelwe ngokukodwa abantu abadala kuwo onke amanqanaba omzimba, kubandakanya ukusebenza kwe-cardio, uqeqesho lwamandla, kunye neyoga
• ukufikelela kwizibonelelo ezikwi-Intanethi, kubandakanya iividiyo zokuzilolonga kunye nezondlo kunye neengcebiso zomzimba
• Ukukhuthaza uluntu oluxhasayo lwabathathi-nxaxheba kunye nabo buqu nakwi-intanethi

ISilverSneakers inamawaka eendawo zokuzilolonga kwilizwe lonke. Ukuze ufumane indawo ekufutshane nawe, sebenzisa isixhobo sokukhangela simahla kwiwebhusayithi yeSilverSneakers.

Sebenzisa iinkqubo zokuqina komzimba kunokunceda ekuphuculeni impilo yakho iyonke kwaye kunokunciphisa iindleko zakho zokhathalelo lwempilo.

Omnye walandela abathathi-nxaxheba beSilverSneakers iminyaka emi-2. Ngonyaka wesibini, kwafumaniseka ukuba abathathi-nxaxheba babenendleko eziphantsi zokhathalelo lwempilo kunye nokunyuka okuncinci kwiindleko zononophelo lwempilo xa kuthelekiswa nabangathathi-nxaxheba.

Ngaba iyeza lisebenza ngeSilverSneakers?

Ezinye izicwangciso zeCandelo C (i-Medicare Advantage) zigquma i-SilverSneakers. Ukongeza, ezinye iiMedigap (izongezo zeMedicare) ziyayigubungela nayo.

Ukuba isicwangciso sakho sigubungela inkqubo yeSilverSneakers, ungayibhalisela kwiwebhusayithi yeSilverSneakers. Emva kokubhalisa, uya kunikwa ikhadi lobulungu leSilverSneakers elinenombolo yesazisi yelungu.

Amalungu eSilverSneakers anakho ukufikelela nakweyiphi na indawo yokuzivocavoca ethatha inxaxheba kule nkqubo. Ungasebenzisa ikhadi lakho lobulungu ukubhalisa kwindawo yokuzivocavoca oyithandayo. Uya kwandula ke ube nokufikelela kuzo zonke izibonelelo zeSilverSneakers ngaphandle kwentlawulo.

Ke unokukhetha njani isicwangciso seMedare esifanelana neemfuno zakho? Landela ezi ngcebiso zingezantsi ukuze uqalise:

• Cinga ngeemfuno zakho zempilo. Kuba wonke umntu uneemfuno zempilo ezahlukileyo, kubalulekile ukuba uqwalasele ukuba loluphi uhlobo lwempilo okanye iinkonzo zonyango oza kuzifuna kunyaka ozayo.
• Jonga iindlela zokugubungela. Thelekisa ingxelo ebonelelwe kwizicwangciso ezahlukeneyo zeMedare kunye neemfuno zakho zempilo. Gxila kwizicwangciso eziya kuthi zihlangabezane nezi mfuno kunyaka ozayo.
• Cinga ngeendleko. Iindleko ziyahluka ngesicwangciso seMedicare osikhethayo. Xa ujonga iiplani, cinga ngezinto ezifana neepremiyamu, izinxibo, kunye nokuba ungabhatala malini epokothweni.
• Thelekisa izicwangciso zeCandelo C kunye neCandelo D. Ukuba ujonge isicwangciso seCandelo C okanye iCandelo D, khumbula ukuba izinto ezigutyungelweyo ziyahluka ngokwesicwangciso ngasinye. Sebenzisa indawo esemthethweni ye-Medicare ukuthelekisa ngononophelo izicwangciso ezahlukeneyo ngaphambi kokuthatha isigqibo kwenye.
• Jonga oogqirha abathatha inxaxheba. Ezinye izicwangciso zifuna ukuba usebenzise umboneleli wezempilo kwinethiwekhi yabo. Qiniseka ukuba ujonge kabini ukuze ubone ukuba ngaba umboneleli wakho wezempilo ubandakanyiwe kwisicwangciso senethiwekhi ngaphambi kokuba ubhalise.

Ngawaphi amalungu e-Medicare afihla i-SilverSneakers?

I-Medicare yoqobo (Amacandelo A kunye no-B) ayibufihli ubulungu bokuzivocavoca okanye iinkqubo zokuqina. Kuba i-SilverSneakers iwela phantsi kolu luhlu, i-Original Medicare ayiyigubungeli.

Nangona kunjalo, ubulungu bokuzivocavoca kunye neenkqubo zokomelela komzimba, kubandakanya iSilverSneakers, zihlala zigutyungelwa njengenzuzo eyongezelelweyo kwizicwangciso zeMedicare Part C.

Iinkampani zeinshurensi zabucala ezivunyiweyo nguMedare zibonelela ngezi zicwangciso.

Izicwangciso zeCandelo C zibandakanya izibonelelo ezihlawulwe ziiCandelo A no-B. Kananjalo banezibonelelo ezongezelelekileyo ezinje ngamazinyo, umbono, kunye nokugubungela iziyobisi ngommiselo (Icandelo D).

Eminye imigaqo-nkqubo yeMedigap iya kubandakanya ubulungu bokuzivocavoca kunye neenkqubo zokomelela komzimba. Njengezicwangciso zeCandelo C, iinkampani zeinshurensi zabucala zibonelela ngezicwangciso zeMedigap. Izicwangciso zeMedigap zinceda ekuhlawuleni iindleko ezingafakwanga yiMedicare yoqobo.

Ixabisa malini iiteki zesilivere?

Amalungu eSilverSneakers anokufikelela kwizibonelelo ezibandakanyiweyo ngaphandle kwentlawulo. Kuya kufuneka uhlawule nantoni na engagutyungelwanga kwinkqubo yeSilverSneakers.

Ukuba awuqinisekanga malunga nokubandakanyiweyo kwindawo ethile yokuzivocavoca, qiniseka ukubuza.

Ukongeza, kubalulekile ukuba uqaphele ukuba izibonelelo ezithile kunye neeklasi ezikhoyo kuwe zinokwahluka ngokuzivocavoca. Kuya kufuneka ukuba ukhangele umthambo othatha inxaxheba ohlangabezana neemfuno zakho zokomelela komzimba.

Ngaba uza kubhalisa kwi-Medicare kunyaka ozayo? Landela ezi ngcebiso zingezantsi ukunceda kwinkqubo yobhaliso:

• Ngaba kufuneka ubhalise? Ukuba sele uqokelela izibonelelo zoKhuseleko lweNtlalo, uya kubhaliswa ngokuzenzekelayo kwi-Original Medicare (Icandelo A kunye no-B) xa kufanelekile. Ukuba awuqokeleli uKhuseleko loLuntu, kuya kufuneka ubhalise.
• Yazi ukuba ixesha lokubhalisa livulekile nini. Eli lixesha apho ungabhalisa khona okanye wenze utshintsho kwizicwangciso zakho zeMedare. Unyaka ngamnye, ukubhaliswa okuvulekileyo ngo-Okthobha u-15 ukuya ku-Disemba 7.
• Thelekisa izicwangciso. Iindleko kunye nokugubungela iiplani ze-Medicare Icandelo C kunye neCandelo D ziyahluka ngokwesicwangciso. Ukuba ucinga iCandelo C okanye iCandelo D, qiniseka ngokuthelekisa izicwangciso ezininzi ezikhoyo kwindawo yakho ngaphambi kokukhetha enye.

Umgca wezantsi

ISilverSneakers yinkqubo yokomelela komzimba eyenzelwe ngokukodwa abantu abadala. Ibandakanya:

• ukufikelela kumaziko okuzilolonga
• iiklasi ezizodwa
• izixhobo kwi-intanethi

Izibonelelo zeSilverSneaker zinikezelwa kumalungu mahala. Ukuba ufuna ukusebenzisa umthambo okanye iinkonzo zokomelela komzimba ezingafakwanga kwiiSilverSneakers, kuya kufuneka uzihlawulele.

I-Medicare yoqobo ayigubungeli ubulungu bokuzivocavoca okanye iinkqubo zokuqina njengeSilverSneakers Nangona kunjalo, ezinye ze-Medicare Part C kunye nezicwangciso zeMedigap zenza.

Ukuba unomdla kwiSilverSneakers, jonga ukuba ayifakwanga na kwisicwangciso sakho okanye nasiphi na isicwangciso ocinga ngaso.