Inzuzo ye-inshurensi yaseBhrijini ye-Medicare
I-Medicare Icandelo A
I-Medicare inamalungu amane , okanye iinkqubo ezibonelela ngeenkonzo ezahlukeneyo zezempilo. Ukuqonda indlela unyango olusebenza ngayo lunokukunceda ukhethe ukhetho lweMedaretha olulungelelanisa iimfuno zakho.
I-Medicare Ingxenye A, eyaziwa njengeProgram ye-inshurensi yezibhedlele, inceda ukugubungela iindleko ze:
- Unonophelo lwezonyango kwizibhedlele
- Unonophelo lwezonyango kwiziko loongikazi
Ngubani ovumelekileyo kwi-Medicare Part A?
Ukuba uneminyaka engama-65 okanye ngaphezulu, uyazenzekela ngokuzenzekelayo kwi-Medicare Part A. I-Medicare Ingxenye A yokunika ingxelo kuqala ngomhla wokuqala wenyanga uvula iminyaka engama-65. Kufuneka ufumane ikhadi lakho leMedareri ngeposi emva kweenyanga ezintathu ngaphambi kokuzalwa kwakho kweminyaka engama-65.
Ukuba uneminyaka engaphantsi kwe-65 uvumelekile ukuba ufumane iNgxenye ye-A benefits phantsi kweemeko ezilandelayo:
- Ufumene i-inshurensi yokukhubazeka kweNtlalontle iminyaka engaphezu kwembini - kufuneka ufumane ikhadi lakho leMedareri ngeposi phambi kwenyanga yakho yesi-25 yokukhubazeka.
- Unokuphelelwa yintsholongwane isigxina (isigxina sesigxina sesifo se-renal, okanye iSRD) esidinga i-dialysis eqhubekayo okanye ukutshintshwa kwezintso . Imithetho ekhethekileyo iyasebenza kubantu abane-ESRD.
- Ufunyanwe ukuba une-amyotrophic lateral sclerosis (isifo sikaLou Gehrig). Ukuba unayo i-ALS, ufumana iNgxenye A ngenyanga inzuzo yakho yokukhubazeka iqala.
Ngaba Ndifanele Ndihlawule I-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.
Ukuba ukhetha ukuthenga i-Medicare Part A, nawe uya ku funeka ubhalise kwaye ukhokhe i-premium ye- Medicare Part B. Ukuba ingeniso yakho ingaphelelanga kwaye awukwazi ukuhlawula iiprayimari zenyanga nganye kwiCandelo A kunye / okanye kwiNgxenye B, urhulumente wakho unokuba nenkqubo yokunceda. Ukuze ufumane ulwazi jonga incwadana ethi Fumana Uncedo ngeeNkcitho zakho zeMedare kwaye u tyelele indawo ye-State Health Assistance Programme (SHIP) ukuze ufumane ulwazi malunga nokulungiswa kwamahhala kwimeko yakho.
Yintoni i-Medicare Part A Cover?
Kuhlala kwi zi bhedlele
Iinkonzo ezifihliweyo zibandakanya igumbi lokuzimela elizimeleyo, ukutya, ukunonyamekela ngononophelo, unyango, kunye nezinye iinkonzo zesibhedlele kunye nokubonelela. I-Medicare ayifuni ubungikazi bamalungelo abucala, indleko yocingo okanye ithelevishini ekamelweni lakho lesibhedlele, izinto zokunyamekela izinto ezifana nezindlu zangasese, okanye igumbi labucala, ngaphandle kokuba kuyimfuneko kunyango lwakho.
Uya kufuneka uhlawule ekunyamekelweni kwakho kunye ne-Medicare inemida ethile kwimibandela yokubhedlele esibhedlele.
Ngexesha ngalinye leenzuzo ngo-2010 uyahlawula:
- I- deductible epheleleyo ye-$ 1,100 yokuhlala kwisibhedlele kweentsuku ezili-1-60.
- $ 275 ngosuku ngemini 61-90 yokuhlala esibhedlele.
- U-550 $ ngosuku malunga neentsuku ezingama-91-150 zesibhedlele sokuhlala (iintsuku zokugcina iiNkcazo zoBomi).
- Zonke iindleko ngosuku ngalunye kweentsuku eziyi-150.
Ukongezelela, ukunakekelwa kwezempilo yengqondo kwisifo esibhedlele sonyango singama-190 iintsuku zokuphila kwakho.
UDkt Mike inkcazo: Ixesha elixhamlayo (okanye isiphelo sokugula) uqala ngosuku oya esibhedlele (okanye isibonelelo esinonophelo lwezobuhlengikazi, okanye i-SNF) kwaye uphela xa ungafumani naluphi na unyango lwezonyango (esibhedlele okanye kwi-SNF) iintsuku ezingama-60 kumqolo. Uya kufuneka uhlawule i-deductible ye-patient for every time period.
Indawo yokuLondolozwa kwabasebenzi
Iinkonzo ezifihliweyo zibandakanya igumbi lokuzimela elizimeleyo, ukutya, unonophelo olunezakhono kunye neenkonzo zokuvuselela, kunye nezinto ezinxulumene nazo. Ukuhlala kwakho kwi-SNF kuya kugqitywa yi-Medicare kuphela emva kwesibhedlele esisisigxina sesibhedlele esingama-3 esihlala esibhedlele okanye ukulimala.
Ngokomzekelo, ukuba uyasibhedlele ngesibhedlele ngesonto elilodwa, isibonelelo esinonophelo lwezakhono zokuhlala esilungele ukulungiswa.
Awunayo iindleko kwiintsuku ezingama-20 kwi-SNF, uza kufuneka uhlawule (ngo-2010) i-137 137 engama-21 ukuya kwe-100 kunye nazo zonke iindleko ngosuku ngalunye ngosuku.
IiNkonzo zeMpilo zeKhaya
Ukufumana ukuhanjiswa kweenkonzo zezempilo zasekhaya ukusuka kwi-Medicare, kufuneka ube nekhaya (intsingiselo yokuba ukushiya ikhaya kuyinzame enkulu), ugqirha wakho kufuneka awenze umyalelo wokunakekelwa kwakho, kwaye iinkonzo kufuneka zinikezwe ngumbutho wezempilo wezempilo oqinisekisiwe.
Umgangatho wokhathalelo lwempilo yasekhaya luquka kuphela imfuno zonyango, iinkonzo zengqesho zenkxaso-njengezakhono zonyango, umncedisi wezempilo ekhaya, unyango lomzimba okanye umsebenzi, unyango lwentetho yolwimi, kunye neenkonzo zentlalo yoluntu. Kwakhona ziquka izixhobo zonyango ezizinzileyo (ezifana nezihlalo zamasondo, izibhedlele zesibhedlele, abahambahambayo, i-oxygen) kunye neenkonzo zonyango zokusetyenziswa ekhaya .
Awuyi kuba neendleko ezinxulumene neenkonzo zangempela ezibonelelwe kwikhaya lakho. Nangona kunjalo, kuya kufuneka uhlawule i- coinsurance ye-20% yemali evunyiweyo ye-Medicare nayiphi na izixhobo ezizinzileyo.
Inkathalo yeHalice
Ukunyamekela kwababhedlele kubantu abanesigulo sokugula abajongwe ukuba baphile iinyanga ezintandathu okanye ngaphantsi. Ubungakanani buquka imithi yokuphucula intlungu, nokulawula ezinye iimpawu; zonyango, unesi, kunye neenkonzo zentlalo; kunye neengcebiso zentlungu. Iinkonzo kufuneka zinikezelwe ngumbhedlele ogunyazisiweyo lwe-Medicare .
I-Medicare nayo iya kugubungela ukunakekelwa kwentlungu yokugula, enokunyamekela ukuba ufumane umhlala-phantsi wakho oqhelekileyo. I-Medicare iya kuqhubeka igqirha ukunakekelwa kolondolozo lwakho lokubhedlele xa nje ugqirha wakho ogulayo okanye umlawuli wezonyango we-hospice uqinisekisa ukuba ugula.
Nangona kungekho mali kwiinkonzo zokubhedlele , uya kuba ne-$ 5.00 yeemali zokubhalwa kwemithi kwaye uza kuhlawuliswa u-5% wexabiso elivunyiweyo leMedare ukwenzela ukunakekelwa kwentlungu.
Ngaba ndingabhalisa kwi-Medigap Plan?
Nangona iCandelo le-Medicare iCandelo A liza kuhlawulela ininzi yesibhedlele sakho kunye neendleko zonyango lwezonyango, uya kuba neendleko zokuphuma ngaphandle . Ngoko, unokufuna ukucwangcisa isicwangciso seMedigap ukukunceda ukuhlawula iindleko zakho ezingaphandle kwee-pocket ezifana nezithintelo zesibhedlele , iintlawulo ze-coinsurance kunye ne-copayments. Ukuba ubhalisa kwisicwangciso se- Medicare Benevantage , ezinye zeendleko zingabhekiswa.