Uncedo lweNtsholongwane kaGawulayo
Medicare Part B
I-Medicare inamalungu amane , okanye iinkqubo, ezibonelela ngeenkonzo ezahlukeneyo zempilo ezahlukeneyo. Ukuqonda indlela unyango olusebenza ngayo lunokukunceda ukhethe ukhetho lweMedaretha olulungelelanisa iimfuno zakho.
I-Medicare Part B, eyaziwa ngokuba yinkqubo ye-Insurance Insurance, inceda ukuhlawula iinkonzo eziyimfuneko zempilo, ezifana:
- Iinkonzo zoogqirha
- Unonophelo lwangaphandle
- Ezinye iinkonzo zezempilo zasekhaya, ezifana nophatho lomzimba kunye nokusebenza
- Ezinye iinkonzo zokukhusela
Ngubani ofanelekayo kwi-Medicare Part B?
Ukuba uneminyaka engama-65 okanye ngaphezulu (kwaye ufumana iinzuzo ezivela kwi-Social Security okanye kwiBhodi yeRhafu yeRhafu), uyazithobela ngokuzenzekelayo kwi-Medicare Part B. I-Medicare yeNgxenye B yakho iqala ukuqala ngosuku lwenyanga u-65. Ikhadi lakho leMedareri kwi-imeyile ezintathu kwiinyanga ngaphambi kokuzalwa kwakho kweminyaka engama-65.
Ukuba uneminyaka engaphantsi kwe-65, uvumelekile ukufumana iintlawulo zeNgxenye B 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 ifaka isicelo kubantu abane-ESRD-ukuze uthole ulwazi oluninzi ngombono we-Medicare Coalysis ye-Kidney Dialysis kunye neeNkonzo zokuThuthwa kweeNtshu.
- Ufunyanwe ukuba une-amyotrophic lateral sclerosis (isifo sikaLou Gehrig). Ukuba unayo i-ALS, ufumana iNgxenye A ngenyanga inzuzo yakho yokukhubazeka iqala.
Ingaba kufuneka Ndihlawule i-Premium kwi-Medicare Part B?
Uya kuyimfuneko ukuhlawula i- premium yenyanga yeNgxenye B enokuthi inqunywe kwi-check your monthly security check.
Uninzi lwabantu luhlawula i-premium yenyanga epheleleyo yeNgxenye B, eyi-$ 96.40. Ngo-2010, ukuba unenzuzo ephezulu ngo-2008 (ngaphezulu kwama-$ 85,000 ngamnye umntu; i-$ 170,000 nganye), uya kufuneka ukhokhe i-premium yenyanga ephezulu yeNgxenye B, ukusuka kwi-$ 154.70 ukuya kwi-353.35.
I-Medicare Ingxenye B yinkqubo yokuzithandela kwaye unako ukuphuma kuyo kwaye ungahlawuli i-premium yenyanga. Ukuba awufuni i-Medicare Part B, landela imiyalelo ezayo nekhadi lakho le-Medicare. Uzakufuna ukuthumela ikhadi. Ukuba ufuna ukuhlala kwi-Medicare Part B, gcina nje ikhadi kwaye uza kuba neempumlo ze-Part B ezichithwe kwi-check your security check.
Ukuba ingeniso yakho ingaphelelanga kwaye awukwazi ukuhlawula i-premium yenyanga yeNgxenye 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 B Cover and What Should I Pay?
I-Medicare Ingxenye B ine-deductible yonyaka, ngo-2010 eyi-$ 155.00. Ufanele uhlawule zonke iindleko de udibana nalo nyaka uhlawulelwe ngaphambi kokuba u-Medicare uqale ukuhlawula isabelo sakhe. Emva kokuba udibane ne-deductible yakho, unokuba noxanduva lwe- coinsurance ye-20% yemali evunyiweyo ye-Medicare enkonzo.
Ngokubanzi, i-Medicare Part B iquka ezimbini iintlobo zeenkonzo:
- Iinkonzo zonyango - iinkonzo zonyango (kunye nempahla enxulumene nayo) onokufuna ukuyihlolisisa kwaye uphathe imeko yonyango. I-Medicare iya kuhlawula kuphela iinkonzo ezichazayo njengoko ziyimfuneko yempilo.
- Iinkonzo zokukhusela - iinkonzo zononophelo lwezempilo ukukhusela ukugula (njengentsholongwane yesifo) okanye uncedo ekufumaneni isigulo kwisigaba sokuqala ukuze sikwazi ukulawulwa ngaphambi kokuba sibi kakhulu (njengokujonga umdlavuza wekolon ).
Iinkonzo Zonyango
Eminye imizekelo yeenkonzo zonyango zibandakanya:
- Iinkonzo ze-Ambulance - kuphela xa kuyimfuneko kwaye kuphela kwisibonelelo esifanelekileyo sonyango
- IiNkonzo zeLebhuloki zeZliniki - iimvavanyo ezithile zegazi, iimvavanyo zomchamo kunye nezinye iimvavanyo zokuhlola
- Ukutya kweSwekile - izilwanyana zeeshukela zegazi, iimvavanyo zokuvavanya, kunye ne-lancets
- IiNkonzo zoGqirha - iinkonzo kunye nokukhusela oya kuzifumana oogqirha kwiofisi yabo kunye nezinye iinkonzo ezinikezelwa esibhedlele
- Izixhobo zonyango ezizinzileyo - izinto ezenziwa ngogqirha yakho yokusetyenziswa ekhaya, njengezixhobo zomoya, ii-wheelchairs, walkers, kunye nemibhede yesibhedlele
- IiNkonzo zamagumbi eziphuthumayo - unyango lokulimala kakhulu okanye ukugula ngokukhawuleza
- Ukunakekelwa kweMpilo yengqondo - ukuxilongwa kunye nokunyangwa kweemeko zempilo yengqondo ezifana nokudandatheka, uxhalaba okanye ukusetyenziswa kakubi kweziyobisi
- IiNyango zonyango, iiNyango zonyango, kunye neeNtetho -Pathological Services - ukunceda ukuba ubuyele emsebenzini oqhelekileyo emva kokugula okanye ukulimala
- IiNkonzo zoPhulo lweZibhedlele - zibandakanya iinkonzo zonyango kwisibhedlele esibhedlele esibhedlele kunye nezinye iinkonzo ezinjenge-X-ray, i-EKG, i-scans, i-cast, okanye i-wound management)
- Izidakamizwa zemithi - ngokuqhelekileyo zithintela kwiisitifiketi ozifumanayo kwiofisi yakho, ugqirha lomhlaza wesibeleko kunye nezinye iziyobisi ezisetyenziswa kwizixhobo ezinjenge-nebulizer okanye ukunyuswa kwepompo
Iinkonzo Zokukhusela
Eminye imizekelo yeenkonzo zokukhusela ezibandakanyiweyo ziquka:
- I-Aortic Aneurysm Screening ye-Abdominal-screening time for people at risk
- I-Bone Density Test - izikrini ze-osteoporosis ukubona ukuba usengozini yokuphulwa kwamathambo
- Ukuhlolwa kweCanscer - iimvavanyo eziliqela zixutywe ukunceda ukufumana ezinye iintsholongwane, ezifana nomhlaza omnxeba, umdlavuza webele, umhlaza wesibeleko kunye nomhlaza wesibeletho
- Ukuhlolwa kwesifo sikashukela - ukuhlolwa kwegazi kubantu abasengozini yesifo sikashukela
- Izilingo ze-Glaucoma - kubantu abasengozini enkulu ye-glaucoma, isifo esibalulekileyo seso
- Iintliziyo Zengqondo Ukuhlola-iimvavanyo zegazi, ezifana ne-cholesterol, ukukunceda ukubeka umngcipheko wakho wokuhlaselwa kwentliziyo
- Amaphetshana - ukubandakanya kubandakanya umkhuhlane wesifo, isifo se-hepatitis B, kunye nesibhamu se-pneumococcal
- Ukuyeka ukubhema - ukucebisa ukukunceda ukuyeka ukutshaya
Qaphela: Izintlu ezi ngasentla ziluhlu oluthile lweenkonzo ezigqitywe phantsi kwe-Medicare Part B. Uluhlu olupheleleyo, olubandakanya naziphi iinkonzo zixhomekeke kwi-annucity year and coinsurance, bona i-Medicare & You 2010, omele uyenze kuyo ngeposi. Uyakwazi ukujonga inguqulo ehlaziywe kwiwebhusayithi ye-Medicare.
Ngaba ndingabhalisa kwi-Medigap Plan?
Nangona i-Medicare Part B izakuhlawula iindleko zonyango zonyango, unako ukufumana iindleko ze-out-of-pocket. Ngoko, unokufuna ukucwangcisa isicwangciso seMedigap ukukunceda ukuhlawula iindleko ezingaphandle kwee-pocket ezifana ne-Part B echithwayo, inkokhelo ye-coinsurance kunye ne-copayments. Ukuba ubhalisa kwisicwangciso se-Medicare Benevantage, ezinye zeendleko zingabhekiswa.