I-Hospice Benefit Benefit yinxalenye ekhethekileyo ye-Medicare ehlawulela ukunakekelwa kwezibhedlele . Ukuba wena okanye othandekayo unayo i-Medicare kwaye ucinga ukubhalisa ekunyamekeleni ukunakekelwa kwezibhedlele, yilokho okufuneka ukwazi nge-hospice kunye ne-Hospice Medicare Benefit.
Akubona wonke umntu onokufumana i-hospice; kufuneka ufaneleke. Ukuze ufanele ukufumana i-hospice, kufuneka ube nexesha lobomi obungaphantsi kweenyanga ezintandathu.
Ukongezelela, kufuneka uvumele ukufumana ezinye iinketho zokwelapha ezigulane kwisifo sakho sokuphela, kunokukhetha ukhetho lwezokwelapha olujoliswe kukugcina ukhululekile kwaye ulondoloze umgangatho wobomi ngokusemandleni.
Ukuba unayo i-Medicare kwaye ukhetha i-hospice eqinisekisiwe ye-Medicare ukuqinisekisa ukuba unakekelwa ngonyango lwakho, iindleko ziya kuhlawulwa yi-Hospice Medicare Benefit.
Oko i-Hospice Benefit Covers Covers
I-Hospice Benefit Benefit iquka zonke iinkathalo ezinxulumene nokugula kwakho kwaye kufuneka ukuba uhlale ukhululekile. Ihlawulela:
- Amagqirha kunye nabongikazi.
- Imichiza efunekayo ukuze uhlale ukhululekile kwaye ulawule okanye ukhuphe iimpawu zakho.
- I-Hospice yezempilo yezempilo eyayikunceda ekuhlaleni nasekuhambeni kwebhedi.
- Izixhobo zonyango ezifana nesihlalo sabakhubazekile okanye isibhedlele esibhedlele esibalulekileyo ukuze uhlale ukhululekile.
- Abasebenzi bezentlalo banokukunceda ukuba ufumane imicimbi yakho ngokufanelekileyo kwaye kukuncedise wena kunye nosapho lwakho ukujongana neengxaki zentlungu kunye nentlungu.
- Ukunyamekela okufunekayo ukunika umnakekeli wakho ukuphuka.
- Intetho, umsebenzi, okanye unyango olufunekayo ukuze uhlale ukhululekile okanye ufundise indlela yokujamelana nokutshintshwa komzimba wakho.
- Iinkonzo zonyango xa kuyimfuneko.
- Ukucetyiswa ngababili kunye nabathandekayo bakho.
- Ukwamkelwa kwabagulayo xa kunesidingo sokulawulwa kweengxaki, ezivunyiwe liqela le-hospice, kwaye zifunyenwe kwisibonelelo esibhedlele okanye esibhedlele esivumelwaneni kunye nesibhedlele sakho.
- Nantoni na enye ikomiti yokubaluleka ivakalelwa kukuba iyimfuneko kwaye inxulumene nokugcina ukhululekile kwaye unciphisa iimpawu zesifo sakho sokuphela.
Oko i-Hospice Benefit Benefit ayifuni
I-Hospice Benefit Benefit ayifuni nantoni na enjongo yokuphilisa ukugula kwakho. Ngokomzekelo, inokuthi igule iindleko zonyango lwe-radiation ejolise ekunciphiseni isisu esicinezelayo ngentambo yomgudu wakho obangela intlungu. Kodwa, ayiyi kubandakanya i-radiation yonyango ejoliswe ekuphiliseni isifo sakho. Isitshixo kukuba ingaba unyango luya kulawula iimpawu zakho ukwenzela ukuba ukhululeke (okanye uphelelwe), nokuba ngaba unyango luzama ukunyanga isigulo sakho (esingagutyungwanga).
Awufihla iindleko zegumbi kunye nebhodi. Oku akuqhelekanga ingxaki ukuba uhlala kwikhaya lakho. Kodwa, ukuba uhlala kwikhaya lokunyamekela, uncedise indawo yokuhlala, ibhodi kunye nokunyamekela ekhaya, okanye uhlala kwisikhululo sokubhedlele, uya kuba noxanduva lokumboza ibhodi kunye neendleko zokunyamekela. Ukuba kuyacaca ukuba kufuneka uhlale kwikhaya lononophelo, ukuhlala uncedo okanye indlu yokubhedlele kodwa ungenakukwazi ukufumana igumbi kunye nebhodi, ezinye iinkonzo zokubaluleka ziza kusebenzisa iminikelo yokunceda ekuncedeni ngezo ndleko. Oku kufuthi kwenziwa kwimeko-nge-case basis, ngoko ke ukuba uqikelele ukuba le nto ingaba yinkinga, cela malunga nayo njengoko ukhetha ukuba yeyiphi inhlangano yokubaluleka yokusebenzisa.
Igumbi eliphuculweyo kunye neenkonzo zee-ambulensi azifakwe kwi-Hospice Medicare Benefit ngaphandle kokuba iqela lakho lokubaluleka livakalelwa ukuba liyimfuneko, lihambelana nesifo sakho sokuphela, kwaye ilungele ukuba usebenzise le nkonzo.
Oko Uya Kukhokha
Uza kuba ne- copay encinci ye-$ 5 yemichiza, nangona ezinye iinkonzo zokubelelisa zilahla le copay. Uya kuba ne-5% ye- coinsurance yeendleko zonyango, kodwa kungabi ngaphezu kwe-12 ngemini. Uza kuhlawula i-Medicare Part B echitshiweyo kunye ne-coinsurance kuyo nayiphi na inkonzo enogqirha oyifumana kwigqirha engasebenzi kwiziko lakho lokubhedlele.
Uya kufuneka uqhubeke nokuhlawula nayiphi na iipomma ze-Medicare owawuhlawula ngaphambi kokuba ubhalisele i-hospice. Ngokomzekelo, ukuba uhlawula i-premium ye-Medicare Part B okanye i-premium ye- Medigap nkqubo, uya kufuneka uqhubeke nokuhlawula loo mivuzo.
Indlela yokufumana i-Hospice Benefit Benefit
Abafumana i-Medicare kuphela abanokufumana i-Hospice Medicare Benefit. Xa ukhetha ukubhalisa kwiprogram ye-hospice, inxalenye yenkqubo yokubhalisa kwi-hospice iya kutshintshwa kwisicwangciso sakho samanje seMedare kwi-Hospice Medicare Benefit. Abasebenzi bokubhedlele abathintelayo ngokubhalisa kwiprogram yokubhedlele baya kukunceda ngokubhalisa kwi-Hospice Medicare Benefit.
Indlela yokuHlalwa kweMpilo yeeMpilo
I-Hospice Benefit Benefit yinxalenye ye- Medicare Part A. Xa ubhalisela i-hospice, nokuba uya kwi-Original Medicare okanye iSicwangciso seMpilo ye-Medicare njenge-Medicare HMO , uya kutshintshwa ngokuzenzekelayo kwi-Medicare yasekuqaleni. I-Medicare yeNgqungquthela I-A iya kuhlawula umbutho we-hospice ngemali eyimitha nganye ngosuku. Oku kusetyenziswa idireji-ngosuku-umhla wezaziwa ngokuba ngumlinganiselo we-diem.
Inkonzo yokubhedlele ihlawulela zonke iinkathalo zakho zokunakekelwa kwezibhedlele ezifunekayo ngaphandle kwezinga lokutya. Ufumana le mali ngemini nokuba ngaba unesi-hospice okanye umncedisi wezempilo ekhaya wakutyelela ngaloo mini.
Inhlangano yokubhedlele ngoku isebenza ngokufana ne-HMO kuba uvumelekile ukuba ufumane iinkonzo zonyango ezinxulumene nesifo sakho sokuphela kweso sakhiwo sokubhedlele , okanye omnye umboneleli wezempilo unesivumelwano. Umzekelo, ukuba ufuna i-oxygen yasekhaya kunye nesibhedlele esibhedlele, awukwazi ukufumana kuzo naziphi na izixhobo zonyango ozikhethayo. Endaweni yoko, kufuneka uwathabathe kwiziko lezixhobo zonyango lakho kunye ne-hospice yakho kufuneka ivume ukuba uyayifuna le nto.
Usenokufumana iinkonzo zonyango ezingenakunxulumene nesifo sakho sokuphela kubanikezeli be-non-hospice. Ngokomzekelo, ukuba isigulo sakho sisifo somhlaza, unokuqhubeka nokubona i-cardiologist yakho unyango lwenhliziyo yakho isistimmia kuba ayinanto enokugula kwakho. I-Hospice ayiyi kuhlawula isifo se-cardiologist ngaphandle kwayo yonke into yokuba uhambo lwalo ugqirha aluhambelani nokugula kwakho. Nangona kunjalo, i-Original Medicare Part B iya kuhlawula umthambo we-cardiologist njengoko ihamba ngaphambili.
Kwomnye umzekelo, ukuba isigulo sakho sisifo se-pulmonary hypertension kwaye kufuneka udwelwe esibhedlele ngenxa yokuba waqhekeza kwaye waqhekeza umlenze wakho, iNyango ye-Original Medicare Part A yayiza kuhlawula i-hospital hospital yakho, kunye ne-Original Medicare Part B yayiza kuhlawula ugqirha ochaphazelekayo. wakho umlenze. Ngale ndlela, i-hospice kunye ne-Medicare basebenzisana ndawonye ukuze bahlawule iindleko zesifo sakho sokuphela (kunye ne-Hospice Medicare Benefit) kunye neendleko zonyango ezingahambelani nesifo sakho sokuphela (kunye ne-Medicare Parts A no-B.)
Yintoni eyenzekayo xa Utshintsha Ingqondo Yakho Nge-Hospice Emva kokuqala kwi-Hospice Benefit Benefit
Ukuba utshintshe ingqondo yakho malunga nokugula emva kokuba usayine, unokuphinda uhoxise i-Hospice Medicare Benefit kwaye ubuyele kwi-Original Medicare.
Ukuba ufuna ukuqhubeka nokufumana iinkonzo zokubhedlele, kodwa utshintshe ingqondo yakho ngenhlangano yokubaluleka ekhethiweyo, ungatshintshela kwintlangano eyahlukeneyo yokubhedlele. Nangona kunjalo, awukwazi ukutshintsha imibutho ye-hospice nanini na unqwenela. Unokutshintsha elinye ixesha kwiintsuku zokuqala eziyi-90 zokunyamekela kwakho, ngexesha elinye kwiintsuku ezingama-90 zokunyamekela kwakho, kwaye emva kweentsuku ezingama-60 emva koko. Ndiyathemba, uya kukhetha intlangano yolondolozo oya kuvuyisa kwaye akudingeki utshintshe.