Ulwazi Lwangoku malunga neProgram ye-Medicare
I-Medicare yinkqubo karhulumente karhulumente enikezela i-inshorensi yempilo kubantu abaneminyaka engama-65 nangaphezulu ubudala, abantu abangaphantsi kweminyaka engama-65 abanokukhubazeka okuthile, kunye nabantu abanokuphelelwa yintliziyo engapheliyo efuna i-dialysis okanye ukutshintshwa kweentso. Iprogram ye-Medicare yenziwe ngamalungu amaninzi "anikezelayo", aquka i-inshorensi yesibhedlele Iqendu A), inshuwalense yezobisi kwiinkonzo zoogqirha (iSahluko B), kunye nokukhutshwa kwezidakamizwa ( iCandelo D ).
I-Centre yeNkxaso yeMedare yinkxaso karhulumente kwi-intanethi yemibuzo ehlala ibuzwa malunga neprogram ye-Medicare. Imibuzo elandelayo engama-20 iphakathi kwezinye ezithandwa kakhulu:
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Ngubani ofanelekileyo kwiMpilo yeeMpilo?Ukuba ufumana iinzuzo kwi-Social Security okanye kwiBhodi yeRhafu yeRhafu, uyazenzekela ngokuzenzekelayo kwi-Medicare ukuqala ngosuku lokuqala lwenyanga uvula iminyaka engama-65.
Ukuba uneminyaka engaphantsi kwe-65 uvumelekile ukuba ufumane iNgxenye ye-A benefits phantsi kweemeko ezilandelayo:
- Ufumene i-inshurensi yokukhubazeka kweNtlalo iminyaka engaphezu kweminyaka emibili.
- Unokuphelelwa kwesigxina esingapheliyo (isifo se-endal-stal disease efuna i-dialysis eqhubekayo okanye ukutshintshwa kwezintso. Ufunyenwe ukuba une-amyotrophic lateral sclerosis (isifo sikaLou Gehrig).
Izibonelelo:
- Ingqwalaselo yeeNzuzo zeMithi
- I-Medicare & Wena 2010
- IiNzuzo zeMagare xa ufumana iiNzuzo zokukhubazeka
- I-Medicare Coverage of Dialysis yeentso kunye neeNkonzo zokuThuthwa kweeInney
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Ingaba Inxalenye Yonyango Ikhuphe?I-Medicare Ingxenye A, eyaziwa njengeProgram ye-inshurensi yezibhedlele, inceda ukugubungela iindleko zonyango kula maziko alandelayo:
- Unonophelo lwezonyango kwizibhedlele
- Unonophelo lwezonyango kwiziko loongikazi
- Isibonelelo sokuvuselela izifo
- Iinkonzo zonyango
- Ezinye iinkonzo zonyango lwezempilo ekhaya
- Impilo yengqondo yengqondo kunye nokunyamekelwa kwengqondo
Ukuba ufanelekile kwi-Medicare awuyi kuhlawulwa i-premium yenyanga yeCandelo A ukuba wena okanye lakho iqabane lihlawule irhafu ye-Medicare irhafu xa usebenza.
Izibonelelo:
- Ukuqonda i-Medicare Part A
- I-Medicare & Wena 2010
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Ingaba kufuneka ndihlawule i-Premium kwi-Medicare Part A?Ukuba ufanelekile kwi-Medicare awuyi kuhlawulwa i-premium yenyanga yeCandelo A ukuba wena okanye lakho iqabane lihlawule irhafu ye-Medicare irhafu xa usebenza. Ukuba wena kunye nomlingane wakho awuzange usebenze okanye awuzange uhlawule irhafu yentlawulo ye-Medicare yeerhafu ungayifanelekanga kwiNgxenye A. Nangona kunjalo, unokukwazi ukuthenga iNgxenye A ngokuhlawula i-premium yenyanga, efikelela kuma-461 2010.
Ufanele uqhagamshelane neofisi yakho yoKhuseleko loLuntu kwiinyanga ezintathu phambi kokuzalwa kwakho kweminyaka engama-65 ukuze ubhalise.
Izibonelelo:
- Fumana i-Ofisi Yakho yoKhuseleko loLuntu
- Ukuqonda i-Medicare Part A
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Yintoni I-Medicare Part B?I-Medicare Part B nayo yaziwa njengenkqubo ye-Insurance Insurance. Ngokubanzi, iNgxenye B iquka ezimbini iintlobo zeenkonzo:
- Iinkonzo zonyango - unonophelo lwempilo onokufuna ukuba uhlolisise kwaye uphathe imeko yonyango. I-Medicare iya kuhlawula kuphela iinkonzo ezichazayo njengoko ziyimfuneko yempilo.
- Iinkonzo zokukhusela - ukunakekelwa kwezempilo ukunqanda ukugula (njengentsholongwane yomkhuhlane ) okanye uncedo ekufumaneni isigulo kwisigaba sokuqala ukuze sikwazi ukulawulwa ngaphambi kokuba sibi kakhulu (njengokujonga umdlavuza wekolon ).
Ngaphantsi kweNgxenye B, i-Medicare inceda ukuhlawula izixhobo zonyango ezizinzileyo ezifana nezixhobo ze-oksijini, izihlalo zabakhubazekile, abahambahamba kunye nezinye izixhobo eziyimfuneko ukuba unyango lwakho lusetshenziswe ekhaya lakho.
Izibonelelo:
- Ukuqonda i-Medicare Part B
- I-Medicare & Wena 2010
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Yiyiphi i-Medicare Part D Gverage Gap?Izicwangciso zeziyobisi ezininzi zeMedare zinomngcipheko wezaziso, owaziwa nangokuthi "umgodi wecala." Oku kuthetha ukuba emva kwakho kunye nesicwangciso sakho seziyobisi sele uchithe imali ethile yokufumana imishanguzo, kufuneka uhlawule zonke iindleko zokuphuma ngaphandle iziyobisi (ukuya kumda). I-deductible yakho yonyaka, i-inshurensi yakho okanye i-copayments, kwaye oko uhlawula kwi-gap yokukhawulela konke kubalwe kulo mda.
Izibonelelo:
- I-Medicare Ingxenye D yobhaliso
- Ukuqonda iCandelo D iDonut Hole
- Nciphise iindleko zeMithi kwiDonut Hole
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Yintoni iMgaqo-Medigap?I-Medicare yasekuqaleni ( iNgxenye A kunye neNgxenye B ) ihlawula ezininzi, kodwa akuzona zonke, iinkonzo ezinxulumene nempilo kunye neenkonzo zonyango. Unokuthenga umgaqo-nkqubo we-inshurensi ukufihla "ikhefu" ezingakhokhelwa yi-Medicare, njengemali yokubhalwa kwemali, i-coinsurance, kunye neengxowankulu -ezinokuzongeza kwiindleko ezininzi .
Ezinye iinkqubo zeMedigap nazo ziya kuhlawula iinkonzo ezithile zezempilo ngaphandle kwe-United States kunye neenkonzo zokukhusela ezongezelelweyo ezingagqithwanga yi-Medicare. Intshuwalense yaseMedigap (eyaziwa ngokuba yi-Medicare Supplement Insurance) ngokuzithandela kwaye unembopheleleko ye-premium yenyanga okanye yekota. I-Medicare ayiyi kuhlawula nayiphi na iindleko zakho ukuthenga umgaqo-Medigap.
Izibonelelo:
- Ukuqonda Umgaqo-nkqubo weMedigap
- Ukukhetha i-Poligap Policy
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Isicwangciso Siphakamiso Sonyango?I-Medicare Part C, eyaziwa njengeProgram ye- Medicare Benevantage , ikuvumela ukuba ukhethe isicwangciso sempilo esinikwe yinkampani yomshuwalense yabucala evunyiweyo yi-Medicare. Izicwangciso zeeMpilo ziquka:
- Iiphathimandla zokuNakekela (njengePPO okanye i-HMO)
- Izicwangciso zeeNkonzo ezizimeleyo
Izicwangciso ze-Medicare Benevantage zifumana iintlawulo ezivela kwi-Medicare ukukunika iinjongo ezigqithwe yi-Medicare, kubandakanywa neCandelo A kunye neCandelo B. Izicwangciso ezininzi ze-Medicare Benevantage zibandakanya ukuxhaswa kwezidakamizwa zeCandelo D kwaye abaninzi banikezela ngokukhawuleza, njengemiboniso kunye nokunakekelwa kwindlebe, iinkonzo zamazinyo kunye inkqubo zo kuphila.
Izibonelelo:
- Ukuqonda iSicwangciso seNzuzo ye-Medicare
- I-Medicare & Wena 2010
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Yintoni eyenzekayo kwiMediareji phantsi kweNtsholongwane yezeMpilo?Umthetho ononophelo loNonophelo unokwenza utshintsho oluthile kwi-Medicare enokuthi luza kuphucula izibonelelo zakho kunye nokufikelela kwakho kwiinkonzo zokunakekela iiprayimari. Ezinye iinguqu ezibalulekileyo ziquka:
- Ukukhutshwa kwe-Gap Savings: Ukuba ufikelela kwi-gap yokukhawulela ngo-2010 uza kufumana i-check-time rebate check check of $ 250 ukusuka kwi-Medicare. Ngo-2011, uya kukwazi ukufumana isaphulelo sama-50% kwiidakamizwa zamagama egama-brand kunye ne-7% isaphulelo kwiziyobisi eziqhelekileyo kwi-gap. Kuya kubakho ukugcinwa okongeziweyo kwisithuba sokungabikho kwithuba ngamnye kunyaka de ivalwe ngokupheleleyo ngo-2020.
- Uncedo lokukhusela: Ukususela ngo-2011, i-Medicare iya kuhlawula ukuhlolwa kwonyaka, kubandakanywa nokuhlolwa kwangokwenyama kunye nokupheliswa ngokupheleleyo kweendleko kwiinkonzo zokukhusela ezifanelekileyo kunye nokuhlolwa.
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Ndiza kuba sele ndiba ngu-65, Ziziphi iiMicrosoft My Choice?Unokukhetha ezimbini ezibalulekileyo malunga nendlela ofumana ngayo i-Medicare - Original Medicare okanye iSicwangciso soNcedo lweMida. Ukuba ukhetha i-Original Medicare (ebandakanya iNgxenye ye-A bh inshurensi yesibhedlele kunye neNgxenye B ye-inshurensi yonyango), uya kuba nenketho yokubhalisa kwiCandelo leProgram ye-Prescription. Uya kufuneka kwakhona ukuba unqume ukuba ufuna ukuthenga i-Medicare Supplement Insurance (Medigap) ukuhlawula "ikhefu" kwi-Medicare coverage.
Ukuba ukhetha isiCwangciso seNzuzo ye-Medicare, uza kuba nenketho yokukhetha isicwangciso esibandakanya ukukhutshwa kwezidakamizwa. Ukuba unesiCwangciso soNcedo lweMida, awuyidingi i-Medigap.
Izibonelelo:
- Ingqwalaselo yeeNzuzo zeMithi
- I-Medicare & Wena 2010
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Kuthetha ntoni "Ukudinga Umzimba"?I-Medicare iya kuhlawula kuphela iinkonzo ezinokuthi ziyimfuneko yonyango. Ngokwe-Medicare, iinkonzo okanye iimpahla zithathwa njengemfuneko yempilo ukuba:
- Zilungile kwaye ziyimfuneko yokuxilongwa, okanye unyango lwemo yakho yezokwelapha.
- Zinikezelwa ukuxilongwa, ukunonophelo ngqo, kunye nonyango lwezempilo yakho.
- Hlangana nemigangatho yonyango olulungileyo kwindawo yoluntu lwengingqi.
- Akunakwenzeka ngokukhethekileyo kuwe okanye ugqirha wakho.
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Kutheni iiNkonzo zoKhuseleko zibalulekile?I-Medicare ihlawula iinkonzo ezithile zonyango zokuthintela ukugula (njengentsholongwane yetsholongwane) okanye uncedo ekufumaneni isigulo kwisigaba sokuqala ukuze sikwazi ukulawulwa ngaphambi kokuba sibi kakhulu (njengokwenkcenkceshela umhlaza wekolon ). Ugqirha wakho unokukuxelela ukuba yiyiphi imvavanyo oyifunayo kwaye kaninzi kangakanani ufuna.
Izibonelelo:
- Isikhokelo kwiNkonzo zoKhusela zeMedare
- Icandelo leeNkonzo zoKhusela kwi-Medicare.gov
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Ziziphi iimveliso zesifo sikasifo seSifo seSifo seSifo seSifo esiTywayo?I-Medicare ifaka isifo seswekile, kuquka:
- uvavanyo lwegazi lwe-glucose
- i-glucose yegazi
- izixhobo zeLancet kunye neLancet, kunye
- izisombululo zokulawula i-glucose zokujonga ukuchaneka kweemvavanyo zokuhlola kunye nabagadi.
I-Medicare inokukhawulela ukuba ungakanani na ukufumana oku. I-Medicare rhoqo ayifuni i-insulin. Uya kufuneka uhlawule i-100% ye-insulin (ngaphandle kokuba isetyenziswe kumpompo we-insulin), iisringana kunye neenaliti, ngaphandle kokuba ubhalise kwiCandelo leMithi ye-Medicare Part D yesicwangca okanye unesiCwangciso seNzuzo ye-Medicare kunye nokukhutshwa kweziyobisi.
Izibonelelo:
- Ubungakanani beZibonelelo Neenkonzo zeSwekile
- I-Medicare & Wena 2010
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Ngaba unyango lukhupha iiNkonzo zamazinyo?I-Medicare ayifuni ukunyamekela kwamazinyo rhoqo okanye amaninzi amanqubo efana namahlambululo, ukuzaliswa, ukuchithwa kwezinyo okanye amazinyo. I-Medicare Ingxenye A inokuhlawula ezinye iinkonzo zamazinyo ozifumanayo xa usesibhedlele. Ezinye izicwangciso ze-Medicare Benevantage zingabandakanya iintlawulo zamazinyo njengenzuzo eyongeziweyo. Hlola ngecebo lakho le-Medicare Benevantage ngqo ukuze ubone ukuba yiziphi iinkonzo zamazinyo ezifihliweyo, ukuba zikhona.
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Ngaba unyango lukhupha iiNkonzo zezehlo zeziliso?I-Medicare iquka iinkonzo zokuxilongwa kunye nokunyangwa kwesifo seziliso kwiofisi yakho yogqirha kunye nesibhedlele. Oku kubandakanya unyango lwe-glaucoma kunye nokususwa kwe-cataract.
I-Medicare ayifihla iindleko zendlela yokukhangela kwamehlo okanye iindleko zeeklasi okanye iilensi zokuxhumana. Nangona kunjalo, emva kokuhlinzwa kwe-cataract kunye ne-intraocular lens, i-Medicare iya kunceda ukuhlawula iiglasi ze-cataract, ii-lens zokuthintana, okanye i-lens intraocular ezinikezwa yi-ophthalmologist.
Izibonelelo:
- Umgangatho weMpilo yeeNyango kunye neeklasi
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Ndilahlekelwe iKhadi lam Medicare. Ndingayifumana njani Entsha?Ukuba unayo i-Medicare yasekuqaleni (Icandelo A kunye neNgxenye B), biza ukhuseleko lwezeNtlalo ngo-1-800-772-1213, okanye u tyelele kwi-www.socialsecurity.gov/medicarecard. Xa ucela ikhadi leMediare endaweni ekhompyutheni okanye kwifowuni, uya kufuneka:
- Igama lakho njengoko livela kwikharityhulam yakho yakutshanje yoLuntu
- Inombolo Yokhuseleko Lentlalo
- Usuku lwakho lokuzalwa
Kufuneka ufumane ikhadi lakho leMediare endaweni eposini malunga neentsuku ezingama-30. Unokuphinda uvakashele iofisi yoLuntu lwasekuhlaleni. Ukuba ubhaliswe kwisiCwangciso soNcedo lweMedareji kwaye ulahlekelwe ikhadi lakho, fowunela inombolo yenkonzo yakho yamakhasimende ngenjongo yokubuyisela indawo.
Izibonelelo:
- Fumana i-Ofisi Yakho yoKhuseleko loLuntu
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Kuthiwani Ukuba Ndiyidinga Imithi engekho kwiFormulary okanye iindleko kakhulu?Ngokutsho kwe-Medicare, ukuba ufuna isidakamizwa esingekho kwifom ye-Part D yakho, okanye ekuloluhlu kodwa ucinga ukuba kufuneka ifakwe i-copayment ephantsi, unokwenza oku okulandelayo:
- Qhagamshelana nesicwangciso uze ucele enye into. Mhlawumbi uya kufuneka unikezele ngolwazi ugqirha wakho malunga nokuba kutheni ufuna isidlo sakho isicwangciso sakho asiyi kubhalwa.
- Ukuba isicwangciso sakho sichasa ngaphandle, unokwenza isibheno. Isicwangciso sakho seNxalenye D kufuneka sikunike ulwazi malunga nendlela yokubhena.
Izibonelelo:
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Isicwangciso sam Isicwangca seNgcaciso seDramsti i-Formulary yeDrams kunye neNqanaba. Ingaba ithetha ntoni?Izidakamizwa kwi-D yefom ye-formulary zihlala ziqokelelwe kwii-third party, kunye ne-copayment yakho ichongiwe ngumyinge onokuthi unyango lwakho lusetyenziswa. Ifayile yeCandelo D echanekileyo iquka ifomathi emithathu.
Inqanaba 1 linokuhlawula i-co-intlawulo esezantsi kwaye ngokuqhelekileyo kubandakanya imishanguzo yonyango.
Umgangatho wesi-2 unentlawulo ephezulu yokubambisana kune-tier 1 kwaye ngokuqhelekileyo kubandakanya igama elikhethiweyo lonyango.
Umgangatho wesi-3 unomvuzo ophezulu wokubambisana kunye kwaye ngokuqhelekileyo kubandakanya igama elingenanto elikhethiweyo lonyango. Isicwangciso sakho singasifaka amayeza kwi-3 emithathu kuba kukho izidakamizwa ezifanayo kumgca ophantsi we-formulary onokukunika inzuzo efanayo kwindleko ephantsi.
Izibonelelo:
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Ngaba I-Medicare Ingandibhalela Xa Ndihamba Ngaphandle kwe-United States?IsiCwangciso seMpilo sokuTyhila ngokuqhelekileyo asiqapheli unyango lwempilo ngelixa uhamba ngaphandle kwe-US kunye nemimandla yayo. Ezinye iinkqubo zeMigigap Iinkqubo zangaphandle Ukuhamba ngokukhawuleza kwenkxaso yezempilo xa uhamba ngaphandle kwe-US
Ezinye izicwangciso ze-Medicare Benevantage zinokubonelela ngeenkonzo zokunakekelwa kwempilo emhlabeni wonke xa uhamba ngaphandle kwe-United States. Ngaphambi kokuhamba ngaphandle kwelizwe, khangela ngecebo lakho le-Medicare Benevantage malunga neenzuzo zokuhamba.
Ukuba uyazi ukuba awuyi kuba negalelo elihlobene ne-Medicare xa uhamba, unokufuna ukucinga ngokuthenga umgaqo-nkqubo we-inshurensi yempilo yesikhashana.
Izibonelelo:
- Umngcipheko weMedare ngaphandle kwe-United States
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Andikwazi ukuphazamisa i-My Medicare kunye neMirhumo yeNtlawulo. Ndingenza ntoni?Unokhetho oluninzi xa ufuna udweliso ngeendleko zonyango kunye neziyobisi, ezifana neeprisum, i-deductibles, kunye nezinye iindleko ze-pocket. Ezi zikhethi ziquka:
- Uxilongo
- Programme yoLondolozo lweMali
- Uncedo olungakumbi kunye neNkxaso-mali ephantsi
- Inkqubo yoNcedo lweMveliso yeeMveliso
- Inkqubo yoNcedo lweMithi
Izibonelelo:
- Inkxaso yeMedare: Uncedo kwiindleko zonyango kunye neziyobisi
- Ukuqhagamshelana nee-Agencies Medicaid Agencies
- Ukuqhagamshelana neeNkonzo zoLuntu: I-Elderare Locator
- Uncedo olongezelelweyo kunye neNyango yeMithi yoLwabizo lweDrug
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Ndingafumanaphi Iimpendulo Zemibuzo Yami NgeMedareri?Ndiya kuvuyela ukuphendula imibuzo malunga ne-Medicare. Ukuba andinayo impendulo, ndiya kukuphanda okanye kukunikezela ngezibonelelo ezinokuthenjwa kwaye zifike ngoku. Ukuba impendulo kumbuzo wakho inomdla kwabanye abafundi, ndinokuyithumela njenge-FAQ okanye kwiblogi yam okanye kwiphepha leendaba.
Nangona andinakukwazi ukukwazisa ngokuphathelele imeko yakho yomshuwalense yempilo, ndinokukuxelela ezinye zeendlela ozikhethile kunye nendlela yokufumana ulwazi olufunayo.
Unokufumana enye imibuzo yakho ye-Medicare ephendulwa ngokuthe ngqo ukusuka "kumlomo wehashe" kwiziko leNkxaso yeMedare.
Izibonelelo:
Unemibuzo malunga ne-Medicare? Ingaba unenkinga nge-Medicare okanye i-Medicare ibango? Ngaba ungaqinisekanga ukuba ungaphi?
Imibuzo kunye neengxaki: Kuphi ukufumana Uncedo kuza kukubonisa ezintandathu izixhobo eziphambili zokuphendula imibuzo yakho ye-Medicare nokuxazulula iingxaki zakho zeMedare.