Okukhokhayo njengesiguli
Ukunakekelwa kwesineke kubhekisela ekwelapheni okuhlinzekwa esibhedlela noma kwenye indawo futhi kudinga okungenani ukuhlala ubusuku obulodwa.
Isibonelo, izibhedlela ziyizinyanga ezenza ukunakekelwa kwezingane zokwelapha kuphela, futhi akukho ukunakekelwa kwe-office noma kwesipiliyoni.
Ukunakekelwa kwesifo sofuba kuhloswe ukuba kuqondiswe ezigulini ezinkulu kanye nokuhlukunyezwa okudinga isikhathi esisodwa noma ngaphezulu sokuhlala ubusuku esibhedlela.
Ngenhloso yokuhlinzekwa kwezempilo, izinhlelo zomshuwalense wezempilo zidinga ukuthi ungeniswe esibhedlela ukuze uhlale enkonzweni okuzobhekwa njengesiguli. Lokhu kusho ukuthi udokotela kufanele abhale inothi ukuze anikeze umyalelo wokuvuma, ngakho-ke uma ubesendaweni yokuphuthumayo futhi wabuzwa ukuba uhlale ubusuku bonke ukuze uthole "Ukubhekwa Kwezokwelapha", akukwenzi ube yisiguli.
Abangaphezu kwesigamu sabo bonke abamukelwayo esibhedlela abangenasifo bangena emnyangweni wegumbi lokuphuthumayo. Izinhlelo zomshuwalense wezempilo ziphuma ekamelweni eliphuthumayo ngokunakekelwa kwezingane ezingakapheli uma kuziwa ngesabelo sakho sezindleko. Kwezinye izinhlelo, ama-copays ezinsizakalo zamagumbi okuphuthumayo ayaxoshwa uma isiguli singeniswa esibhedlela.
Ukunakekelwa kwezingane eziphuthumayo kuyahlukaniswa zibe izingxenye ezimbili: imali yokukhokha kanye nalabo abahlobene nodokotela / udokotela. Ngokuvamile, ama-copays ezinsizakalo zezokwelapha ahlelwe noma ukuhlala noma ngosuku ngalesi sakhiwo.
Kwezinhlelo ezithile, ama-copays avame ukungamamitha angamakhulu ambalwa ukufakwa futhi kuze kube ngu-$ 1,000. Ezimweni ezimbalwa, ukwabelana ngezindleko kubandakanya kokubili i-copay ye-dollar eyinkulungwane kanye ne-coinsurance ngaphezulu kwayo.
I-Medicare: Ukuphulukisa iziguli Vs. Isiguli
Uma une- Medicare , kufanele ubuze ukuthi ngabe ungeke yini uthathe isifo esibhedlela noma unesipiliyoni.
Isimo sakho esibhedlela (kungakhathaliseki ukuthi isibhedlela sikubheka "isiguli" noma "isiguli") sithinta ukuthi ukhokhela kangakanani izinsizakalo zesibhedlela (njenge-X-rays, izidakamizwa, nezivivinyo zamalebhu) futhi zingathinta nokuthi ngabe uMnyango uzokwenzela ukunakekelwa ongena kuwo indawo yokuhlengikaza enekhono (SNF) emva kokuhlala esibhedlela.
Uyisifo sokugula esibhedlela uma usungenwe esibhedlela ngesigwebo somdokotela. Usuku ngaphambi kokuba ukhishwe usuku lwakho lokugcina lwesineke.
Ungumuntu ophulukisiwe uma uthola izinsizakalo zeminyango yezimo eziphuthumayo, izinsizakalo zokubheka, ukuhlinzeka ngeziguli, ukuhlolwa kwebhu, ama-X ray, noma ezinye izinsizakalo zesibhedlela, futhi udokotela akakubhalanga umyalo wokukuvuma esibhedlela njenge isiguli. Kulezi zimo, ungumuntu ophulukisayo ngisho noma uhlala ubusuku esibhedlela.
Isinqumo sokungenwa esibhedlela esibhedlela singesinqumo esiyinkimbinkimbi sezokwelapha esekelwe isahlulelo sikadokotela wakho nesidingo sakho sokunakekela esibhedlela esidingekayo. Ukwamukelwa kwesifo sofuba kuvumelana ngokujwayelekile uma kulindeleke ukuthi udinga iziguli ezimbili noma ngaphezulu zokunakekelwa esibhedlela okudingekayo, kodwa udokotela wakho kumele ajezise ukungena futhi isibhedlela kufanele sivume ngokusemthethweni ukuze ube nesiguli.
I-Medicare: Okukhokhayo njengesiguli
Yini oyikhokhela njengesiguli?
- I-Medicare Part A (Umshwalense Wezibhedlela) ihlanganisa izinsizakalo zesibhedlela ezingelapheki. Ngokuvamile, lokhu kusho ukuthi ukhokha isikhathi esisodwa sokudonswa kuzo zonke izinsizakalo zakho zesibhedlela ngezinsuku zokuqala ezingu-60 usesibhedlela.
- I-Medicare Part B (Umshwalense Wezokwelapha) ihlanganisa eziningi zezinsizakalo zakho zezokwelapha uma unesifo esibhedlela. Ukhokha imali engamaphesenti angama-20 e-Medicare-avunyelwe izinsizakalo zezinsizakalo zezokwelapha ngemuva kokukhokha ingxenye ye-Part B eyadonsa.