Into oyihlawulayo njengesigulana
Unonophelo lwangaphantsi lubhekisela kunyango lwonyango olunikezelwa kwisibhedlele okanye kwenye indawo kwaye ludinga ubuncinane ukuhlala ubusuku bunye.
Ngokomzekelo, izibhedlele ngabagqirha abenza ukhathalelo lwangaphantsi kuphela, kwaye akukho nonyango olusekelwe kwiofisi okanye olukhulelwe.
Unonophelo lwezonyango lujoliswe ekubhekiseleleni kwizifo ezingakumbi kunye neengxaki ezidinga ukuba enye okanye ngaphezulu kweentsuku zokuhlala esibhedlele.
Ngeenjongo zokunakekelwa kwezempilo, izicwangciso ze-inshorensi zempilo zifuna ukuba ungeniswe ngokusemthethweni kwisibhedlele ukwenzela ukuba uhlale enkonzweni ukuze kuthathwa njengesigulana. Oku kuthetha ukuba ugqirha kufuneka abhale inqaku ukuze anikeze umyalelo wokuvuma, ngoko ke ukuba uhlala kwigumbi lexakeka kwaye wabuzwa ukuba uhlale ubusuku bonke "Ukunyangwa kwezoNyango", akunakukwenza ukuba ube nesigulana.
Ingaphezulu kwesiqingatha sazo zonke izibhedlele ezingenasifo esibhedlele zivela kwisebe lezithuba zexakeka. Izicwangciso ze-inshorensi zempilo ziphuluza igumbi lexakeka ngokumalunga nokunakekelwa kwezibonelelo zonyango xa kufikelela kwisabelo sakho seendleko. Kwezinye iiplani, ii-copays kwiinkonzo zecandelo lezongxamisekileyo ziyakususwa xa isigulane sifakwa esibhedlele.
Unonophelo lwezonyango luphuliwe zibe ngamacandelo amabini: umrhumo wesibonelelo kunye nabo badibene nogqirha / ugqirha. Ngokuqhelekileyo, iifayili zeenkonzo zonyango zihlelwe malunga nokuba zihlale zihlala okanye ngosuku ngosuku lwesibonelelo.
Kwiiplani ezithile, ii-copays zidla ngamakhulu ambalwa eedola ngokumkelwa kunye nokufikelela kuma-$ 1,000. Kwiimeko ezimbalwa, ukwabelana ngeendleko kubandakanya zombini i-copay yee-dollar ezilikhulu kunye ne-coinsurance ngaphezulu kwayo.
I-Medicare: Umonde Isigulana
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.
Isigqibo sokwamkelwa esibhedlele esibhedlele yisigqibo esichukumisayo sezokwelapha esekelwe kwisigwebo sakho sigqirha kunye nesidingo sakho sokunakekelwa esibhedlele esibalulekileyo. Ukwamkelwa kwabagulayo ngokuqhelekileyo kuyafaneleka xa ulindeleke ukuba udinga ii-2 okanye ngaphezulu kweemfuno zokunakekelwa kwezibhedlele eziyimfuneko, kodwa ugqirha wakho kufuneka amyalele ukungena kwaye isibhedlele kufuneka simemezele ngokusemthethweni ukuze ube nesigulana.
I-Medicare: Into oyihlawulayo njengesigulana
Yintoni oyihlawulayo njengesigulana?
- I-Medicare Icandelo A (I-inshurensi yezibhedlele) iquka iinkonzo zesibhedlele ezingenasifo. Ngokuqhelekileyo, oku kuthetha ukuba uhlawula ixesha elilodwa elichithwe kuzo zonke izibhedlele zakho kwiintsuku ezingama-60 zokuqala usesikhungweni.
- I-Medicare Ingxenye B (i-inshurensi yonyango) ihlanganisa ezininzi iinkonzo zakho zoogqirha xa unesifo sengqondo. Uhlawula ipesenti ezingama-20 ze-Medicare-evumelekileyo yeenkonzo zezokwelapha emva kokuhlawulwa kweCandelo B.