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Mayelana nalolu hlelo lokusebenza

Ukuthola ulwazi mayelana nokukhishwa kwe-Medicare kulula kunanini ngaphambili. Landa uhlelo lokusebenza olusemthethweni lwe-U.S. Government Medicare lokusebenza kudivayisi yakho yeselula.

Okuhlanganisiwe kukusiza uqonde ukuhlinzekwa kwezempilo okuhlinzekwa yi-Original Medicare Part A (Umshwalense Wezibhedlela) kanye neNgxenye B (Umshwalense Wezokwelapha).

Sebenzisa lolu hlelo lokusebenza lukahulumeni wesifundazwe:

-Phendula imibuzo yakho yokufakazela nge-Medicare

-Buka ulwazi mayelana nezindleko zakho

-Funda ngezinto ezithintekayo namasevisi

-Bheka amanothi & kuphi ukuthola ulwazi oluthe xaxa

-Buka izinsiza zokuvimbela mahhala

Izinto zokwelapha zangempela kanye nezinsizakalo

Thola ukuthi ukuhlinzekwa kwakho kweMedare kuhlinzeke ngani:

- Iziphi izimbuzi ezihlanganisiwe?

- Ingabe ukunakekelwa kwezempilo ekhaya kuhlanganiswa?

- Ingabe Medicare izokhokhela isifo sikashukela?

Ukuvikelwa Kwezempilo Okuvimbelayo

Ukwebiwa kwemithi kuhlanganisa nezinsizakalo zokuvimbela ngaphandle kwezindleko kuwe. Izinsizakalo zokuvimbela zingakusiza uhlale uphilile ngokuthola izinkinga zempilo kusenesikhathi futhi zingakuvimbela ukuba uthole izifo ezithile.

Okuhlanganisiwe kuzokusiza ukuphendula imibuzo efana nalokhu:

- Ingabe i-Medicare yami iyothola izinsizakalo zokusiza ukuyeka ukubhema?

- Ngingayithola yini ukuhlolwa komdlavuza wesibeletho?

- Ngabe ukuhlinzekwa kwami ​​kweMedarela kungivumela ukuthi ngithole isilinganiso somthambo?

Buza udokotela wakho noma umhlinzeki wezempilo ukuthi yiziphi izinsizakalo zokuvimbela (njengokuhlola, ukudubula, nokuhlolwa) okudingayo ukuze uthole.

Ingxenye A & Ingxenye B Izindleko

I-Medicare Part A ne-Part B ihlanganisa izinsizakalo ezithile zezokwelapha nezinsiza ezibhedlela, amahhovisi odokotela, nezinye izilungiselelo zokunakekelwa kwezempilo.

Ingxenye Umshwalense wesikhwama esibhedlela usiza ukukhokhela ukunakekelwa kweziguli esibhedlela esibhedlela, ukunakekelwa kwezingane ezinganakekelwa esibhedlela, ukunakekelwa kwezempilo, ukunakekelwa kwezempilo ekhaya, noma ukunakekelwa kwezingane ezinganeni ezingekho ngaphansi kwemithi. Ama-copayments, u-coinsurance, noma ama-deductibles angafaka isicelo senkonzo ngayinye.

Ingxenye B yokuhlinzekwa ngomshuwalense wezokwelapha isekela izinsizakalo zodokotela ezidingekayo, ukunakekelwa kwezempilo, usizo lwezempilo ekhaya, imishini yokwelapha ehlala isikhathi eside, izinsizakalo zokuvimbela, nezinye izinsizakalo zezokwelapha. Ngaphansi kwe-Original Medicare, uma i-Part B isetshenzisiwe, kufanele ukhokhe zonke izindleko zokunakekelwa kwezempilo (kuze kube semali evunyelwe yi-Medicare) kuze kube yilapho uhlangabezana nonyaka we-Part B. Ngemuva kokuthola imali yakho, uMedarela uqala ukukhokhela isabelo sakhe futhi ukhokha imali engama-20% wemali evunyiwe ye-Medicare, uma udokotela noma umhlinzeki wezempilo ezamukela isabelo. Akukho mkhawulo wonyaka walokho okukhokha ngaphandle kwephoksi.

Kwezinye izinto nezinsizakalo, kufanele uhlangabezane nemigomo yokufaneleka noma ungaba necala lokukhokha zonke izindleko. Udokotela wakho noma umhlinzeki wezempilo uyakuncoma ukuthi uthole izinsizakalo kaningi kunokuba i-Medicare ihlanganisa. Noma, bangase batuse izinsizakalo ezingagcini uM Medicare. Uma lokhu kwenzeka, kufanele ukhokhe ezinye noma zonke izindleko. Buza imibuzo ukuze uqonde ukuthi kungani udokotela wakho ephakamisa izinsizakalo ezithile nokuthi ngabe uM Medicare uzobakhokhela yini.

Sebenzisa uhlelo lokusebenza oluhlanganisiwe ukuphendula imibuzo efana nalokhu:

-Ingabe ngizokhokhela kakhulu izidakamizwa zemithi efaka phakathi kweMediare Part B?

-Ingabe i-Part B ehlukaniswayo isetshenziselwa ukuvuselelwa kwenhliziyo?

-Imaphi amaphesenti we-Medicare-evunyelwe inani engizodinga ukuthi ngikhokhele ukuhlolwa komdlavuza we-colorectal?

Okungafakiwe

Okuhlanganisiwe akuqukethe ulwazi lwe-Medicare Advantage Plan, olunye uhlelo lwezempilo lwe-Medicare, noma i-Medicare Supplement Insurance (Medigap). Akuqukethe ukucinga kwekhodi ye-CPT, izindleko eziqondile zokuhlinzwa noma izinqubo, noma izinqumo zendawo zokubheka.

Izinhlelo ze-Medicare Advantage

Uma une-Medicare Advantage Plan noma olunye uhlelo lwezempilo lwe-Medicare, unesiqiniseko esifanayo sokunakekelwa kwempilo njengabantu abane-Original Medicare, kodwa imithetho ihlukahluka ngecebo. Amanye ama-Medicare Advantage Plans anikeza izinzuzo ezengeziwe ukuthi i-Original Medicare ayifuni - njengombono, ukuzwa noma amazinyo. Hlola ngecebo noma usesho ku-App noma i-Google Play Isitolo ukuze ubone ukuthi uhlelo luyisicelo esifanayo seselula.

Lolu uhlelo lokusebenza olusemthethweni lwe-Medicare, futhi siyazisa impendulo yakho. Sicela usitshele imicabango yakho ngokulinganisa Okuhlanganisiwe.

Yini entsha

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