Ukwaziswa Kwamanje Ngehlelo Lomuthi
I-Medicare wuhlelo lukahulumeni lwesifundazwe oluhlinzekela umshuwalense wezempilo kubantu abaneminyaka engama-65 nangaphezulu, abantu abangaphansi kweminyaka engu-65 abanokukhubazeka okuthile, nabantu abanokuhluleka kwezinso ezingapheli okudinga i-dialysis noma ukufakelwa kwezinso. Uhlelo lwe-Medicare lwakhiwa "izingxenye" ezimbalwa ezinikeza izinzuzo ezihlukahlukene, kufaka phakathi umshuwalense wesikhashana Ingxenye A), umshuwalense wezokwelapha izinsizakalo zodokotela (Ingxenye B), kanye nokufakwa kwezidakamizwa zemithi ( Ingxenye D ).
I-Medicare Support Center iyisisetshenziswa sikahulumeni esivela ku-intanethi yemibuzo ebuzwa njalo mayelana nohlelo lwe-Medicare. Imibuzo elandelayo engu-20 ingenye yezindawo ezithandwa kakhulu:
1 -
Ubani Ongakulungele Imikhiqizo Ye-Medicare?Uma uthola izinzuzo ezivela kwi-Social Security noma kwi-Railroad Retirement Board, utholakele ngokuzenzakalelayo ku-Medicare kusukela ngosuku lokuqala lwenyanga uphendukela ku-65.
Uma ungaphansi kweminyaka engu-65 uvumelekile ukuthola ingxenye Yenzuzo ngaphansi kwezimo ezilandelayo:
- Uthole Umshuwalense Wokukhubazeka Kwezenhlalakahle iminyaka engaphezu kwengu-2.
- Unesifo esingapheli sezinso (isifo sokuqeda isiteleka sokuphela kwesidingo sokudinga i-dialysis eqhubekayo noma ukufakelwa kwezinso. Utholwe ukuthi une-amyotrophic lateral sclerosis (isifo sikaLou Gehrig).
Izinsiza:
- Uhlolojikelele lwezinzuzo ze-Medicare
- I-Medicare & Wena 2010
- Izinzuzo zemithi uma uthola Izinzuzo Zokukhubazeka
- Ukwelashwa kweMithi yeDisney Dialysis kanye nezinsizakalo zokuThuthukisa izinso
2 -
Iyini Imithi Eyingxenye Yokugqoka?I-Medicare Part A, eyaziwa nangokuthi uhlelo lwe-Insurance Insurance, isiza ukumboza izindleko zokunakekelwa kwezikhungo ezilandelayo:
- Ukunakekelwa kweziguli ezibhedlela
- Ukunakekelwa kwesineke esibhedlela
- Isikhungo sokuvuselela iziguli
- Izinsizakalo zokunakekela izibhedlela
- Ezinye izinsizakalo zokunakekelwa kwezempilo ekhaya
- Ukunakekelwa kwengqondo nokugula kwengqondo
Uma ufanelekile ku-Medicare ngeke ukhokhe intela yanyanga zonke yeNgxenye A uma wena noma oshade naye bakhokhela intela ye-Medicare yokukhokhwa intela ngenkathi usebenza.
Izinsiza:
- Ukuqonda Medicare Part A
- I-Medicare & Wena 2010
3 -
Ingabe Ngingakhokhela I-Premium ye-Medicare Part A?Uma ufanelekile ku-Medicare ngeke ukhokhe intela yanyanga zonke yeNgxenye A uma wena noma oshade naye bakhokhela intela ye-Medicare yokukhokhwa intela ngenkathi usebenza. Uma wena noshade naye ningasebenzi noma ningakhokhi intela ye-Payroll eyaneleyo, kungenzeka ukuthi ningakwazi ukuthola ingxenye ye-premium-free ye-premium. Kodwa-ke, ungakwazi ukuthenga Ingxenye A ngokukhokha i-premium yenyanga, efika ku-$ 461 2010.
Kufanele uxhumane nehhovisi lakho lezokuphepha kwezenhlalakahle ezinyangeni ezintathu ngaphambi kokuzalwa kwakho kweminyaka engu-65 ukuze ubhalise.
Izinsiza:
- Thola iHhovisi Lezokuphepha Lendawo Yakho
- Ukuqonda Medicare Part A
4 -
Yini Engayikhathaza Ngayo Imithi B?I-Medicare Part B nayo yaziwa nangokuthi uhlelo lwe-Medical Insurance. Ngokuvamile, Ingxenye B ihlanganisa izinhlobo ezimbili zamasevisi:
- Izinsizakalo zezokwelapha - ukunakekelwa kwezempilo okungase kudingeke ukuthi uhlolwe futhi uphathe isimo sezokwelapha. I-Medicare izokhokhela kuphela izinsizakalo ezichaza ukuthi ziyimfuneko yokwelashwa.
- Izinsizakalo zokuvimbela - ukunakekelwa kwempilo ukuvimbela ukugula (njengokuguquka komkhuhlane ) noma usizo ukuthola ukugula esiteji sokuqala ukuze ilawulwe ngaphambi kokubi kakhulu (njengokuhlola umdlavuza wekoloni ).
Ngaphansi kweNgxenye B, i-Medicare iyasiza ukukhokhela imishini yezokwelapha ehlala njalo njengemishini ye-oksijini, izihlalo zabakhubazekile, abahamba ngezinyawo, nezinye izinto zokusebenza ezidingekayo zemithi udokotela wakho afuna ukuba asebenzise ekhaya lakho.
Izinsiza:
- Ukuqonda Medicare Part B
- I-Medicare & Wena 2010
5 -
Iyini i-Medicare Part D Gverage Gap?Imithi eminingi yezidakamizwa i-Medicare inesiphakamiso sokuhlanganisa, esaziwa nangokuthi "umgodi we-donut." Lokhu kusho ukuthi emva kwakho kanye nesicwangciso sakho sezidakamizwa ususebenzise imali ethile yemithi ehlanganisiwe, kufanele ukhokhe zonke izindleko ezingaphandle kwe-pocket izidakamizwa zakho (kuze kube umkhawulo). I-deductible yakho yonyaka, i-co-inshurensi yakho noma i-copayments, futhi lokho okukhokha kugebe lokuhlanganisa konke kubheke kulo mkhawulo.
Izinsiza:
- I-Medicare Ingxenye D Yokubhalisa
- Ukuqonda i-Part D Donut Hole
- Nciphisa Izindleko Zakho Zokudakamizwa kuDonut Hole
6 -
Iyini Inqubomgomo Ye-Medigap?I-Medicare yokuqala ( Ingxenye A neNgxenye B ) ikhokhela abaningi, kodwa hhayi yonke, izinsizakalo ezihlobene nempilo kanye nemithi yokwelapha. Ungathenga inqubomgomo yomshuwalense ukumboza "izikhala" ezingakhokhiwe yi-Medicare, njengama-copayments, u-coinsurance, nama-deductibles - okungabangezela ezinkampanini eziningi ze-pocket .
Ezinye izinqubomgomo ze-Medigap nazo zizokhokhela izinsizakalo ezithile zezempilo ngaphandle kwe-United States nezinsizakalo ezithize zokuvimbela ezingahlanganiswa ne-Medicare. Umshuwalense waseMedigap (owaziwa nangokuthi uM Medicare Supplement Insurance) uzimisele ngokuzithandela futhi unesibopho se-premium yenyanga noma ngekota. I-Medicare ngeke ikhokhe noma yiziphi izindleko zakho ukuthenga inqubomgomo ye-Medigap.
Izinsiza:
- Ukuqonda inqubomgomo yakho ye-Medigap
- Ukukhetha inqubomgomo ye-Medigap
7 -
Uyini uhlelo lwe-Medicare Benevantage Plan?I-Medicare Part C, eyaziwa nangokuthi uhlelo lwe- Medicare Advantage , ikuvumela ukuthi ukhethe uhlelo lwezempilo oluhlinzekwa yinkampani yomshuwalense wangasese evunyelwe yi-Medicare. Izinhlelo ze-Medicare Advantage zihlanganisa:
- Izinhlangano Zokunakekela Eziphethwe (njenge-PPO noma i-HMO)
- Izinhlelo Zesevisi Ezizimele
Izinhlelo ze-Medicare Advantage zithola izinkokhelo ezivela ku-Medicare ukukunikeza izinzuzo ezihlanganiswe ne-Medicare, kufaka phakathi Ingxenye A kanye neNgxenye B. Amaphrojekthi amaningi e-Medicare Advantage ahlanganisa ukufakwa kwezidakamizwa zeNgxenye D kanti abaningi banikeza ukufakwa okungeziwe, njengombono nokunakekelwa kokulalela, izinsizakalo zamazinyo, kanye izinhlelo zokuphila kahle.
Izinsiza:
- Ukuqonda uhlelo lwakho lwe-Medicare Benevantage Plan
- I-Medicare & Wena 2010
8 -
Kwenzekani Kumuthi Wezokwelapha Ngokwempilo?I- Care Affordable Act yenza izinguquko eziningana ku-Medicare okungenzeka ukuthi kuzokwenza ngcono izinzuzo zakho nokufinyelela kwakho ezinsizakalweni zokunakekela eziyinhloko. Ezinye izinguquko ezibalulekile zifaka:
- Ukulondolozwa kwe-Gap Savings: Uma ufinyelela igebe lokuvota ngo-2010 uzothola isheke sokubuyisela isikhathi esisodwa se-$ 250 kusuka ku-Medicare. Ngonyaka ka-2011, uzokwazi ukuthola isaphulelo esingu-50% emidlalweni yegama lomkhiqizo kanye nesaphulelo esingu-7% emithonjeni ejwayelekile ngaphakathi kwegebe lokuhlanganisa. Kuzobe nokulondolozwa okungeziwe kugebe lokuhlanganisa ngonyaka kuze kuvaliwe ngokuphelele ngo-2020.
- Ukunakekelwa kokuvimbela: Kusukela ngo-2011, uMedare uzokhokha ukuhlolwa kwonyaka, kufaka phakathi ukuhlolwa ngokomzimba nokuqedwa kokulingana kwezindleko zemisebenzi efanele yokuvimbela kanye nokuhlolwa.
9 -
Ngizoshesha Ngineminyaka engu-65, Ngiyini I-Medicare Yami Ukukhetha?Unezinqumo ezimbili eziyinhloko zokuthi uthola kanjani i-Medicare - Original Medicare noma uhlelo lwe-Medicare Advantage Plan. Uma ukhetha i-Original Medicare (efaka i-Part A A Insurance Insurance kanye neNgxenye B Yomshuwalense Wezokwelapha), uzoba nokukhetha ukungena kwi-Part D Prescription Plan. Uzodinga futhi ukunquma uma ufuna ukuthenga i-Medicare Supplement Insurance (Medigap) ukuze ukhokhele "ama-akhawundle" ekusakazeni i-Medicare.
Uma ukhetha i-Medicare Advantage Plan, uzoba nenketho yokukhetha uhlelo olubandakanya ukufakwa kwezidakamizwa zemithi. Uma une-Medicare Advantage Plan, awudingi ukusabalala kwe-Medigap.
Izinsiza:
- Uhlolojikelele lwezinzuzo ze-Medicare
- I-Medicare & Wena 2010
10 -
Kuyini Okushiwo "Ukudinga Ngokwelashwa"?I-Medicare izokhokhela kuphela izinsizakalo ezibhekwa njengezidingekile kwezokwelapha. NgokukaM Medicare, izinsizakalo noma izinsiza zibhekwa njengezidingekile zemithi uma:
- Kufanele futhi kuyadingeka ukuxilongwa, noma ukwelashwa kwesimo sakho sezokwelapha.
- Kuhlinzekwa ukuxilongwa, ukunakekelwa okuqondile, kanye nokwelashwa kwesimo sakho sezokwelapha.
- Hlanganisa izindinganiso zokwelapha okuhle emphakathini wezokwelapha endaweni yangakini.
- Akuzona ngokuyinhloko ukuthi kube lula wena noma udokotela wakho.
11 -
Kungani Imisebenzi Yokuvimbela Kubalulekile?I-Medicare ikhokhela izinsizakalo ezithile zokunakekelwa kwezempilo ukuvimbela ukugula (njengokweshulwa kwesifo) noma usizo lokuthola ukugula esiteji sokuqala ukuze ikwazi ukuphathwa ngaphambi kokubi kakhulu (njengokuhlolisisa umdlavuza wekoloni ). Udokotela wakho angakutshela ukuthi yiziphi izivivinyo ozidingayo nokuthi uzidinga kaningi kangakanani.
Izinsiza:
- Isiqondiso semisebenzi yokuvimbela yeMedare
- Isigaba Sezinsizakalo Zokuvimbela e-Medicare.gov
12 -
Yini Okunikezwa Ngokwesifo Sikashukela?I-Medicare ihlanganisa ezinye izidingo zesifo sikashukela, kufaka phakathi:
- I-blood glucose test strips
- i-glucose yegazi
- ama-lancet nama-lancet, futhi
- izixazululo zokulawula i-glucose yokuhlola ukunemba kweziqephu zokuhlola nokuhlola.
I-Medicare inganciphisa ukuthi uthola lezi zinsiza kangakanani noma kaningi kangakanani. I-Medicare njalo ayifuni i-insulini. Kuzodingeka ukhokhe i-100% ye-insulin (ngaphandle uma isetshenziselwa ipompo ye-insulini), izilinganiso, nezinaliti, ngaphandle uma ubhalisile ohlelweni lweMithi ye-Medicare Part D noma unesihlelo se-Medicare Advantage ngokufaka izidakamizwa.
Izinsiza:
- Ukuhlinzekwa kweziNsiza Nezinsiza ZeShukela
- I-Medicare & Wena 2010
13 -
Ingabe Imithi Ihlinzeka Ngezinsizakalo Zamazinyo?I-Medicare ayihlanganisi ukunakekelwa kwamazinyo okuvamile noma izinqubo eziningi zamazinyo ezifana nokuhlanza, ukugcwaliswa, ukuchithwa kwezinyo noma amazinyo. I-Medicare Ingxenye A ingakhokha amanye amasevisi wamazinyo awuthola uma usesibhedlela. Amanye ama-Medicare Advantage amapulani angafaka izinzuzo zamazinyo njengenzuzo eyengeziwe. Hlola nge-Medicare Advantage plan yakho ngqo ukubona ukuthi yiziphi izinsizakalo zamazinyo ezimboziwe, uma zikhona.
14 -
Ingabe Imithi Yezempilo Imayelana Nempilo?I-Medicare ihlanganisa izinsizakalo zokuxilongwa nokuphathwa kwesifo sobuso kokubili ehhovisi likadokotela kanye nesibhedlela. Lokhu kuhlanganisa ukwelashwa kwe-glaucoma nokususwa kwe-cataracts.
I-Medicare ayikufihli izindleko zesenzo sokukhubazeka kweso noma izindleko zeglasi noma ama-lens. Nokho, ngokulandela ukuhlinzwa kwe-cataract nge-lens intraocular, i-Medicare izosiza ukukhokhela izibuko ze-cataract, ama-lens othintana nawo, noma ama-lens we-intraocular anikezwe i-ophthalmologist.
Izinsiza:
- Ukwelashwa Kwemithi Yokunakekelwa Kwamehlo Nezibuko Zama-Eye
15 -
Ngilahlekelwa Ikhadi Lomuthi wami. Ngingayithola Kanjani Osha?Uma une-Medicare yokuqala (Ingxenye A neNgxenye B), shayela i-Social Security ngo-1-800-772-1213, noma vakashela ku-www.socialsecurity.gov/medicarecard. Uma ucela ikhadi leMediare esikhundleni sendawo noma efonini, uzodinga:
- Igama lakho njengoba libonakala ekhadini lakho le-Social Security yakamuva
- Inombolo Yakho Yokuphepha Komphakathi
- Usuku lwakho lokuzalwa
Kufanele uthole ikhadi lakho leMediare esikhundleni esikhundleni se-imeyili ezinsukwini ezingaba ngu-30. Ungaphinde uvakashele ihhovisi lakho lezokuphepha kwezenhlalakahle. Uma ubhalise ohlelweni lwe-Medicare Advantage Plan futhi ulahlekelwe ikhadi lakho, shayela inamba yesevisi yamakhasimende wakho ohlelweni ukuze uthole indawo.
Izinsiza:
- Thola iHhovisi Lokuphepha Lakho Lendawo
16 -
Kuthiwani Uma Ngidinga Imithi Engekho E-Formulary noma Izindleko Kakhulu?Ngokusho kwe-Medicare, uma udinga isidakamizwa esingekho kwifomu yakho ye-Part D, noma okukulolu hlu kodwa ucabanga ukuthi kufanele ifakwe ikhophi encane, ungenza okulandelayo:
- Xhumana nohlelo bese ucele okuhlukile. Kuzofanele uhlinzekele ulwazi kumdokotela wakho ngokuthi kungani udinga umuthi uhlelo lwakho ngeke lumboze.
- Uma uhlelo lwakho luphika okuhlukile, ungabhena. Uhlelo lwakho lwe-Part D kufanele lunike ulwazi mayelana nendlela yokukhalaza.
Izinsiza:
17 -
Uhlelo lwami lwe-D Ingqungquthela ye-Prescription ine-Formulary yeDrug ne-Tiers. Kusho ukuthini?Izidakamizwa ezingxenyeni zeD e-Dryry zivame ukuhlelwa zibe yi-third party, futhi ikhodi yakho yokukhokha inqunywe yi-tier ukuthi imithi yakho ivuliwe. I-formula D ejwayelekile yeDakamizwa ihlanganisa ingxenye emithathu.
Isigaba 1 sinokukhokhelwa kokubambisana okuphansi kakhulu futhi ngokuvamile kuhlanganisa imithi ejwayelekile.
Isigaba sesi-2 sinokukhokha okubambisene okuphezulu kunokwesigaba esingu-1 futhi ngokuvamile kufaka phakathi imithi yokwazisa yegama lomkhiqizo.
Isigaba sesi-3 sinokukhokhelwa kokubambisana okukhulu futhi kuvame ukufaka imithi yegama lomuntu ongakhethi. Uhlelo lwakho lungabeka imithi emithathu ngoba kunezidakamizwa ezifanayo emkhakheni ophansi we-formulary ongakunika inzuzo efanayo ngezindleko eziphansi.
Izinsiza:
18 -
Ingabe Imithi Iyangibhalela Lapho Ngihamba Ngaphandle Kwe-United States?I-Original Medicare Plan ngokuvamile ayifuni ukunakekelwa kwezempilo ngenkathi uhamba ngaphandle kwe-US nezindawo zayo. Ezinye izinqubomgomo ze-Medigap zokuhamba kwezempilo eziphuthumayo ezihamba phambili eziphuthumayo uma uhamba ngaphandle kwe-US
Amanye amahlelo we-Medicare Advantage anganikeza izinzuzo zomhlaba jikelele zokunakekelwa kwezidingo zezempilo uma uhamba ngaphandle kwe-United States. Ngaphambi kokuhamba ngaphandle kwezwe, hlola nge-Medicare Advantage plan mayelana nezinzuzo zokuhamba.
Uma wazi ukuthi ngeke ube nokuhlinzekwa okuhlobene ne-Medicare uma uhamba, ungase uthande ukucabangela ukuthenga inqubomgomo yomshuwalense wezempilo wesikhashana.
Izinsiza:
- I-Medicare Coverage Ngaphandle kwe-United States
19 -
Angikwazi Ukuthintela Amaphrimiyamu Omuthi Wezokwelapha Nezidakamizwa. Ngenzeni?Unezinketho eziningana uma udinga usizo ngezindleko zezokwelapha nezidakamizwa, njengama-premium, ama-deductibles, nezinye izindleko ezingaphandle kwe-pocket. Lezi zindlela zihlanganisa:
- I-Medicaid
- Uhlelo lwe-Medicare Savings
- Usizo olungeziwe kanye noxhaso oluphansi lweNgeniso
- Uhlelo lukaHulumeni losizo lweMithi
- Uhlelo Lokusiza Imithi
Izinsiza:
- Ukusekelwa kweMedare: Ukusiza ngezindleko zezokwelashwa nezidakamizwa
- Izixhumanisi zama-Agencies Medicaid Agencies
- Ukuxhumeka Emisebenzini Yomphakathi: Indawo Yokuqapha
- Usizo Olwengeziwe Ngomuthi Wezokwelapha Izindleko ZamaDrug Plan
20 -
Ngingayitholaphi Izimpendulo Zemibuzo Yami Nge-Medicare?Ngizojabula ukuphendula imibuzo nge Medicare. Uma ngingenayo impendulo, ngizokucwaninga noma ngikunikeze ngezinsiza ezinokwethenjelwa futhi zisesikhathini. Uma impendulo yombuzo wakho inesithakazelo kwabanye abafundi, ngingayithumela njenge-FAQ noma ebhulogi noma encwadini yami yamaphephandaba.
Nakuba ngingase ngikwazi ukukwazisa ngaso sonke isikhathi ngesimo somshuwalense wakho wezempilo, ngiyakwazi ukwazisa okunye okukhethwa kukho nokuthi ungathola kanjani ulwazi oludingayo.
Futhi ungathola eminye yemibuzo yakho ye-Medicare ephendulwa ngokuqondile "emlonyeni wehhashi" esikhungweni se-Medicare Support.
Izinsiza:
Unemibuzo mayelana ne-Medicare? Ingabe unenkinga yokuhlinzekwa kwe-Medicare noma isimangalo semithi? Awuqinisekile ukuthi ungaphi?
Imibuzo Nezinkinga Ze-Medicare : Lapho Uthola Usizo kuyokubonisa izinsiza eziyisithupha ezihamba phambili zokuphendula imibuzo yakho ye-Medicare nokuxazulula izinkinga zakho ze-Medicare.