Inkcazo:
Xa isigulane sifakwa esibhedlele, babelwa isikhundla. Isimo soxinzelelo kunye nesimo sokuqwalasela zizinto ezibini eziqhelekileyo. Xa uvunyiwe esibhedlele, akulula ngaso sonke isikhathi ukufumanisa ukuba uyangeniswa njengesigulana, okanye uvunyelwe phantsi kwesimo esibonelelwe esibhedlele.
Ukwahlukana phakathi koMntu ongenasifo nesimo sengqalelo
Isimo sesifo sengqondo siyinto esiyicinga ngayo ngokungathi umntu uyangeniswa esibhedlele.
Isimo sokuqwalasela luhlobo lwesimo sengqondo sokugula. Nangona kunjalo, umntu obonelele kwisibhedlele angakwazi ukuchitha iintsuku kunye nobusuku obubodwa esibhedlele, nangona isicatshulwa. Enyanisweni, unokuthi abe selo hlobo lwesibhedlele esibhedlele, ngasemnyango ongasemva kwesigulana.
Ukuqwalaselwa kwindlela yokugcina umntu kwisibhedlele ixesha elifutshane ngelixa ugqirha bazama ukugqiba isigqibo sokuba ngaba uyagula ngokwaneleyo ukuba afune unyango olungalawulekiyo. Ngoku, izigulane zokuqwalasela ngamanye amaxesha zihlala zigcinwe esibhedlele iintsuku kwiimeko zokujonga.
Kutheni Isigulane Sokujonga Ingqalelo?
Ukuba ulala ewadi yesibhedlele esifanayo kwaye ufumana uhlobo olufanayo lokunyamekela, kungani kutheni unokukhathalela ukuba unesimo sokugula okanye isimo sokubona? Kufuneka unakekele ngenxa yokuba umehluko unokukuhlawula amawaka okanye amawaka eedola.
Kubantu abakwi-Medicare, umahluko phakathi kwesifo sengqondo kunye nesimo sokubaluleka kubalulekile ngokubhekiselele kwenkathalo kwiziko lokunakekelwa kwabahlengikazi emva kokuhlala esibhedlele.
Oku kuchazwe ngcaciso engezantsi.
Inkampani yakho ye- inshorensi yempilo okanye iMedarethi ayiyi kuhlawula isihlala sakho esibhedlele njengesigulane sokujonga ngendlela efana nayo ihlawulwe njengesigulana. Kunoko, baya kuhlawula isihlala sakho esibhedlele usebenzisa iinkonzo zonyango eziyingxenye ye-inshorensi yakho yezempilo.
Isabelo sakho seendleko zeenkonzo zonyango ezifana nesimo sokubheka sikhulu kunesabelo sakho seendleko zesibhedlele esibhedlele.
Nangona kunzima kwaye kudideka, kukho imigaqo, okanye ubuncinane izikhokelo, ugqirha kunye nesibhedlele sakho silandela xa usenza isigqibo sokuba ubanikezela isimo sengqondo sokubhedlele esibhedlele okanye isimo sengqondo sokugula.
Ukuqonda ukuba izikhokelo zokuqwalasela zisebenza njani kwaye kutheni izibhedlele zinika izigulane ukuba zijonge imeko, zibone i- Hospitalized in Status Observation? Uya kuhlawula ngaphezulu: Isigulane v. Isimo sokuBheka kunye nendlela eziKhokelo zoBuchule .
Umzekelo:
UMnu Smith ufika kwigumbi lexakeka kwiintlungu zesifuba. Ayikwazi ukuxelela ngokuqinisekileyo ukuba ingaba uMnu Smith unesifo senhliziyo, i-cardiologist, uDkt Jones, ubeka uMnu Smith esibhedlele kwisimo sokujonga.
UMnu Smith uchitha ubusuku esibumbini esibhedlele esiqhotyoshelwe kwintliziyo yokujonga. Kulo lonke ubusuku, abahlengikazi bamjonga rhoqo. Ufumana i-oksijeni kwaye uvavanyo lwegazi ludonsa zonke iiyure ezimbalwa. UDkt Jones usenokuya wayala imiyalelo emininzi ukuze aqinisekise imeko yentliziyo kaMnu Smith.
Emva kobusuku obulandelayo, emva kweentsuku ezimbini kunye nobusuku obubodwa esibhedlele, uDkt Jones unolwazi olwaneleyo lokufumanisa ukuba uMnu Smith akazange ahlaselwe yintliziyo.
UMnu Smith uthunyelwa ekhaya.
Inkampani ye-inshurensi yempilo kaMnumzane Smith ihlawula inxalenye yesibhedlele sokuhlala phantsi kweentlawulo phantsi koMnu. (Ukuba uMnumzana Smith unamayeza, i-Medicare Part B iya kugxala inxalenye kaMatashe Smith.
Ekubeni umgaqo-nkqubo we-inshuwalense kaMnumzane Smith une-25% ye-coinsurance yeenkonzo zonyango, uMnumzane Smith ukhokhela i-25% yesibalo sokuhlolwa kwegazi kunye ne-X-Ray. Uhlawula i-25% yentlawulo ye-oksijeni, inkokhelo yokubeka esweni intliziyo, kunye neentlawulo zeeholide zezibhedlele zokubonelela ngeenkonzo.
Ukuba uMnumzana Smith wayefumene iinkonzo ezifanayo ezifana nesifo sengqondo esingekho kwisimo sokujonga, kuxhomekeke kuhlobo lokubambisa kwakhe, unokufumana i-copayment kunye ne-inshorensi yakhe yempilo.
Kodwa kuyaqhelekileyo ukuba izicwangciso ze-inshorensi zempilo zibale izibhedlele ngokubhekiselele kwisicwangciso se- deductible , kwaye ke uqale ukuvavanya iindleko zemali- mali. Kwimeko apho, ixabiso elipheleleyo uMnu Smith ohlawulwayo liye laphela ngokufanayo.
Isigulane kunye nokuBonelela kunye noPhulo lweMpilo lweZakhono zoLondolozo lweZiko loLondolozo
Izigulane ngamanye amaxesha zanele ngokwaneleyo ukuba zihambe esibhedlele, kodwa zingekafiki kakuhle ukuba zibuyele ekhaya. Izakhiwo zokunakekelwa kwezakhono zononophelo zingasetyenziselwa ukuzalisa le galeko. Isigulane esinokuguqulwa kwamadolo, umzekelo, sinokudinga kuphela iintsuku ezimbalwa esibhedlele, kodwa kusenokuba siswele izinga lokunyamekela kwiziko lokunakekelwa ngabanonophelo ngaphambi kokuba ukwazi ukubuyela ekhaya.
I-Medicare ihlawula kuphela ukunyamekela kwiziko lokunakekelwa kwabanobuchule ukuba kuqhutywe ubuncinane ukuhlala esibhedlele kwisithuba seentsuku ezintathu . Ukuba unesibhedlele kodwa phantsi kwesimo sengqondo kunokuba unesifo sengqondo, asiyi kubalwa kwiintsuku ezintathu. Kwimeko apho, xa ukhutshiwe, awuyi kukwazi ukufumana ukukhutshwa kweMedareri ukuze uhlale kwisiko lononophelo. Le ngenye yezizathu ezibalulekile kwizigulane kunye neentsapho zabo ukuqonda ukuba isifo sengqondo okanye isimo sokuqwalasela sisetyenziswa.
> Imithombo:
> Medicare.gov. Ngaba Usibhedlele Isibhedlele okanye Isigulane? Ukuba Unayo Imithi - Buza! Meyi ebuyekeziwe.