Yiyiphi Intlawulo Elinganiselweyo?
Awona wonke ugqirha uyamkela i- Medicare . Kwabo abo benzayo, abayidlala yonke imithetho efanayo. Oko kubandakanya ukuba bangakuhlawulela kangakanani iinkonzo zabo. Ukwazi ukuba ukhangele ntoni xa ukhetha ugqirha wakho unokukugcina imali.
Oogqirha abaphuma kwi-Medicare
Izinto zokuqala kuqala, ngaba ugqirha wakho uthatha i-Medicare? Ukuze wenze njalo, ugqirha wakho kufuneka akhethe ukungena kwi-Medicare.
Oko kuthetha ukuba uyavuma ukwamukela i-Medicare njenge-inshorensi yakho kwaye uyavumelana nemimiselo yenkonzo ebekwa nguRhulumente we-federal.
Ngenxa yokunyuka kwama-bureaucracy kunye nezidingo zolawulo, oogqirha abaninzi banokuphuma kwi-Medicare . Ngo-2010, kuphela oogqirha abangama-130 kuphela abakhetha ukuphuma kwi-Medicare kodwa inani landa kancinci ngonyaka, kwada kwafikelela kuma-7 400 ngo-2016. Nangona inani liye lahla laya ku-3,732 ngo-2017, oku kungenako ukulinganisela okuchanekileyo. Kwakuye kwenzeka ukuba ugqirha wayenokuphuma ngaphandle kweminyaka emibini. Ukuqala ngo-2015, isicelo sokuphuma sikwazi ukuhlala ngonaphakade. Oku bekuye kwachaphazela inani lamaphepha afidavithi yokuphuma e-2017.
Ukuba ugqirha wakho akawamukeli i-Medicare ngenkokhelo, unokube usenkingeni. Kwimeko yesiphumo sengxamisekileyo sezokwelapha, unyanzelekile ukunyanga. Ngaphandle kwaloo, uya kulindela ukuhlawula iinkonzo zakhe ngaphandle kwepokothini. Oku kungabiza ngokukhawuleza.
Kucacile ukuba unomdla wokukhetha ugqirha ongena kwi-Medicare. Oku kusenokuba njalo ukukwazi ukuyenza ukuba kukho ulwaphulo lugqirha kwindawo yakho.
Oogqirha abakhe ukungena kwaye bavumelane neShedyuli yoTywala yeMedare
Ukusebenzisa ugqirha owamkela i-inshorensi yakho iya kukugcina imali kodwa ungayenza njani imali leyo?
Oogqirha abamkela i-Medicare ngenkokhelo bawela kwiindidi ezimbini. Abo "bamkela isabelo" kunye nabangenayo.
Kunyaka ngamnye, amaziko e-Medicare kunye neMedicaid (i-CMS) abeka ishedyuli yemali yokunyusa. Oogqirha abavuma le ntlawulo yeshedyuli "bamkele isabelo" kwaye babizwa ngokuba ngabanikezeli abathathi-nxaxheba. Bavuma ukuba bangakuhlawulisi ngaphezu kwexabiso eliphakanyisiweyo naliphi na inkonzo enikeziweyo. Iimvavanyo zokukhusela ezikhuselweyo zikhululekile kuwe xa ziyalwe ngumniki-nxaxheba.
Oogqirha abakhetha ukungena kunye nokunyusa
Oogqirha abangamkeli isabelo, ngakolunye uhlangothi, bakholelwa ukuba iinkonzo zabo zibaluleke ngaphezu kokuba ishedyuli yentlawulo yesicatshulwa ivumela. Ababoneleli abanokuthatha inxaxheba baya kukuhlawula ngaphezu koogqirha.
I-Medicare isetyenzisile umda malunga nokuba bangakanani oogqirha abanakho ukuhlawula. Le mali iyaziwa njengento ehlawulisiweyo. Ngeli xesha, umrhumo wokukhawulela uhlelwe kuma-15 ekhulwini. Oogqirha abahlawulisa ngaphezu kokuhlawulwa kwemali banokuthi basuswe kwinkqubo ye-Medicare.
Ngokomzekelo, ukuba ishedyuli yohlawula ibhala inkonzo ye-$ 100, ugqirha unokukuhlawula imali ukuya kuma-dollar ayi-115. I-Medicare iya kuhlawula isahlulo se-100 se-bill kwaye ugqirha uya kukuhlawula ngokukhethekileyo i-$ 15.
Ngokudabukisayo, umrhumo wokukhawulelana unikezela kubaboneleli bezempilo. Abathengi abathathi-nxaxheba bezixhobo zonyango , oku kuthetha ukuba "abasamkeli isabelo" okanye bayavumelana neshedyuli yentlawulo, banokukuhlawulisa njengoko bafuna. Le yimeko nangona ugqirha owamisela ukuba izixhobo zamkela isabelo. Kungomdla wakho ukuthenga ngeenxa zonyango iinkampani ezinikezela ngeendleko ezifanelekileyo kunye neenkonzo zabathengi.
Izikhuthazo zoogqirha
Yintoni enokumisa bonke ababoneleli beMedare ukuba bangathathi nxaxheba? Ngaba ixabiso elikhawulezileyo lingabancede benze imali engaphezulu? Impendulo ilula. Oogqirha bayakhuthazwa yi-Medicare ukuba bathathe inxaxheba kwishedyuli yentlawulo.
I-Medicare iya kuhlawula iipesenti eziyi-100 yemali yokucetyiswa kwemirhumo yabanikezeli abathatha inxaxheba kodwa kuphela ipesenti ezingama-95 kubaboneleli abangabandakanyekanga. Kulula nje, kuzo zonke iinkonzo zeeRandi ezili-100, umboneleli ongeyena inxaxheba uya kulahla i-$ 5 kwi-Medicare.
Nangona ugqirha unako ukuhlawula imali engaphezulu kweedola ezili-15 ngeerhafu ezinqamlekileyo, oku kuya kuba yinzuzo ye-$ 10. Ugqirha kufuneka aqikelele nokuba ngaba isiguli sakhe siyakwazi ukuhlawula iindleko ezongeziweyo okanye ukuba imali eninzi ilahleke kwiimali ezimbi kunye neendleko zokuqokelela.
Ezinye iintlawulo zabanikezeli abathatha inxaxheba zibandakanya:
- Ukukhutshwa kwezixhobo zokukhusela. Ngoxa ugqirha efumene intlawulo evela kwi-Medicare ngenxa yokunyamekela kwakhe, abaxhamli be-Medicare bahlawula ngaphandle kweendleko zeefowuni.
- Ukusetyenziswa ngokukhawuleza kweimangalo ze-Medicare. Urhulumente uyaziwa ngokuba ngamaxesha okuphendula ngokukhawuleza. Ukuhlawulela ukubuyisela imali inzuzo enkulu kwiiofisi zonyango.
- IiNkcukacha zeMedare. I-Medicare ikhuthaze ababoneleli abathatha inxaxheba kwimibutho ephezulu kunye nabani na ocela ulawulo lwabo.
Ingakanani Uya kuhlawula
Ezinye iimvavanyo zokuvavanya ezikhuselweyo zikhululekile kuwe xa ufumana unonophelo ngomniki-nxaxheba. Eli lonke ixesha, i-Medicare ihlawula iipesenti ezingama-80 zeendleko ezicetywayo kwaye uhlawula i- 20% ye-coinsurance .
Abanikeli abathatha inxaxheba | Abanikeli abathatha inxaxheba | |
| Ishedyuli yoTywala yeMali | $ 100 | $ 100 |
Umrhumo olinganiselwayo | N / A | $ 15 (ipesenti ezili-15) |
| Ingakanani Ugqirha onokumenza | $ 100 | $ 115 |
| Ingakanani Imithi Eyayiphuma | $ 80 (Iipesenti ezingama-80 zentlawulo ye-Medicare) | $ 76 (Ama-95 ekhulwini we-80 ekhulwini yemali ye-Medicare) |
| Ingakanani Uya kuhlawula | $ 20 (Ipesenti ze-20 zexabiso) | $ 34 (I-19 yeepesenti [ipesenti ye-20 yepesenti yakho ye-20%). |
Ukuqonda indlela inkqubo isebenza ngayo kukunceda wenze ininzi yeedola zakho. Itheyibhile ngasentla ichaza ukuphazamiseka kweendleko ukuba ufumene inkonzo efanayo ye-100 ukusuka kumntu othabatha inxaxheba kunye nabangabandakanyeli.
ILizwi
Unonophelo lwempilo luyabiza ngokwaneleyo ngaphandle kokuba uxhalabele ngogqirha wakho akuhlawule ngakumbi. Iinkonzo ofumana kuzo nawuphi na ugqirha kwiprogram ye-Medicare iyafana kodwa unenzuzo yokufumana ukhuseleko lokukhusela ngaphandle kwaye ungahlawulwa ngaphantsi kwezinye iinkonzo ukuba ukhetha omnye "owamkela isabelo". Fumana umboneleli we-Medicare othabatha inxaxheba kwaye uvunye inzuzo.
Umthombo:
UBoccuti, C. Ukuhlawulela Udwendwe kwiDktara: Ukukhuselwa kwezeMali zeMatriki xa ufumana iiNkonzo zoNyango. I-Henry J. Kaiser Family Foundation. http://kff.org/medicare/issue-brief/paying-a-visit-to-the-currency-financial-protections-for-medicare-patients-when-ceiving-physician-services/. Epapashwe ngo-Apreli 7, 2014.
> UDickinson V. Iingcali ezincinci ziphuma kwi-Medicare. LweMpilo. http://www.modernhealthcare.com/article/20180130/NEWS/180139995. Ipapashwe ngoJanuwari 30, 2018.
Medicare.gov. Iindleko eziphantsi kunye nabasabelo t. http://www.medicare.gov/your-medicare-costs/part-a-costs/assignment/costs-and-assignment.html.