Uhlawula ntoni?
Ukunyamekelwa kwabangaphandle, ngamanye amaxesha kuthiwa unyamezelo lwezonyango, kuchazwa njengonyango okanye unyango olungafuneki ukuhlala ubusuku esibhedlele okanye kwisibonelelo sonyango. Unonophelo lwangaphandle lungenziwa kwiofisi yezobugcisa okanye esibhedlele, kodwa ngokuqhelekileyo, kunikezelwa kwiofisi yezobugcisa okanye kwisikhungo sokuhlinzwa esikhatywayo.
Unonophelo lwangaphandle lungabandakanya iinkonzo eziqhelekileyo ezinjenge-check-ups okanye ukutyelela kwiiklinikhi.
Eminye imiba echaphazelekayo enjengeenkqubo zokugqirha , ngokude nje kukuvumela ukuba ushiye isibhedlele okanye isibonelelo ngosuku olufanayo, unokuthi uthathwa njengenyango lokunyamekela. Iinkonzo ezininzi zokugqirha, unyango lokulungiso, kunye neenkonzo zempilo yengqondo zifumaneka njengeenkonzo zonyango. Unonophelo lwangaphantsi kwexesha ludla lubiza ngaphezu kokunyamekela kwabangaphantsi kwexesha ngenxa yokuba kaninzi lubandakanyeka kwaye aludingi ukuba isiguli siqhubeke sihlala kwisibonelelo, esisebenzisa isikhulu esibhedlele okanye izibonelelo zonyango.
Ngeenjongo ze-inshorensi, unonophelo lwangaphantsi kolwaphulo luye lwaphulwa ngohlobo lwenkonzo enikezelwa ngonyango oluluncedo oluphambili , ingcali, impilo yengqondo, njl.). Utyando lwangaphantsi kolunye uhlobo luchongiwe ngokucacileyo, kwaye luchaza isabelo sakho seendleko xa kufuneka ufune inkqubo okanye umsebenzi ongafunekiyo ukungena ngobusuku kwiziko. Njengonyango lwezonyango, iindleko ezihambelana nesixhobo ngokwaso kwaye ugqirha / ugqirha owenza le nkqubo ahlala ephathwa njengezibonelelo ezimbini ezihlukeneyo.
Inkcazo yoMntu oPheleleyo kunye noNonophelo lweZifo
Ukuba unayo i- Medicare , kufuneka ucele ukuba ngaba ungagqirha okanye unesiphene. Isimo sakho esibhedlele (nokuba isibhedlele sikubona "unesifo sengqondo" okanye "isiguli") sichaphazela ukuba unjani ukuhlawula iinkonzo zesibhedlele (njenge-X ray, iziyobisi kunye neemvavanyo zebhu) kwaye zinokuchaphazela ukuba ngaba i-Medicare iya kugcina ukunakekelwa kwakho indawo yokunakekelwa abanezakhono (SNF) emva kokuhlala esibhedlele.
- Unesifo sokugula esibangelwayo xa usamkelwa ngokusemthethweni kwisibhedlele kunye nomyalelo wodokotela. Usuku ngaphambi kokuba ukhutshwe ngumhla wakho wokugqibela wokugula.
- Unesiphene xa ufumana iinkonzo zesebe eziphuthumayo, iinkonzo zokuqwalasela, ukuhlinzwa ngonyango, iimvavanyo zelabhu, ii-X-rays, okanye ezinye iinkonzo zesibhedlele, kwaye ugqirha akakubhalanga umyalelo wokumkela esibhedlele njengento gulana. Kule meko, unesiphene nangona uchitha ubusuku esibhedlele.
Into oyihlawulayo njengomntu ongaphiliyo kwi-Medicare
Icandelo B liquka iinkonzo zesibhedlele zangaphandle. Ngokuqhelekileyo, oku kuthetha ukuhlawula i-copayment nganye kwinkonzo yesibhedlele esisodwa esibhedlele. Le mali ingahluka ngeenkonzo. Qaphela: I-copayment yesibhedlele esisodwa esisodwa esibhedlele ayikwazi ukuba ngaphezu kwesibhedlele esibhedlele. Nangona kunjalo, ikopi yakho yesikhokhelo esipheleleyo kuzo zonke iinkonzo zonyango zingaphezu kwesibhedlele esingenasiphene.
Icandelo B likwagubungela ezininzi iinkonzo zakho zoogqirha xa usisiphedlele esibhedlele. Uhlawula ipesenti ezingama-20 ze-Medicare-evunyelwe imali emva kokuhlawula iNgxenye B echithwayo.
Ngokuqhelekileyo, izidakamizwa kunye nezidakamizwa ezingaphezu kwezixhobo ozifumanayo kwisilungiselelo sesigulane (njengesebe elingxamisekileyo), ngamanye amaxesha elibizwa ngokuthi "izidakamizwa ezizimeleyo," azihlanganiswa yiCandelo B.
Kwakhona, ngenxa yezizathu zokuphepha, ezininzi izibhedlele zinemigaqo-nkqubo engavumeli izigulana ukuba zizise umyalelo okanye ezinye iziyobisi ekhaya. Ukuba unayo i-Medicare yokuchonga iziyobisi ( iSahlulo D ), ezi ziyobisi zingabhekiswa phantsi kweemeko ezithile. Kuya kufuneka ukuba uhlawule i-pocket yezi yobisi kwaye ufake isicelo sakho kwisicwangciso sakho seziyobisi ukuze ubuyiselwe imali. Shayela isicwangciso sakho seziyobisi ngolwazi olungakumbi.