Khulisa Izinzuzo Zakho Ngaphandle Kokuhlukana
Uma ubhaliswe kuhlelo lwe-Florida Medicaid Share of Cost , udinga ukwazi ukuthi ungasebenzisa kanjani lokhu umshuwalense wezempilo obunzima ngokufanele. Uma ungayisebenzisi ngendlela engalungile, uzokhokha okungaphezu kokudingekile, noma uzolahlekelwa ngokuphepha kwe-Medicaid oyitholile.
EFlorida, Uhlelo Lokuhlanganyela Lokusetshenziswa Kwezindleko Uhlobo lomshwalense wezempilo kulabo abadinga usizo lwezempilo.
Laba bantu benza imali eningi ukuze bafanele ukuthola iMedicaid njalo, kodwa hhayi imali eyanele yokukhokha izidingo zabo zokwelashwa.
Bahlangabezana nazo zonke izidingo ezidingekayo zokufaneleka eMedicaid ngaphandle kwemfuneko engenayo, kodwa futhi zithola izindleko ezinkulu zezokwelapha inyanga ngayinye. Ngakho-ke loluhlelo luvumela abantu ukuba basuse izindleko zabo zezokwelapha emalini yabo engenayo futhi bafanele ukuthola iMedicaid uma futhi izindleko zabo zezokwelapha zifinyelela kanjani inani elithile. Uhlelo luvuselela inyanga ngayinye.
Ingakanani Isabelo Sokubambisana?
Uma uthola isaziso sokuthi uyamukelwa ohlelweni lwezokwelapha, kuzokutshela ukwabelana kwakho kwenyanga zonke kwezindleko. Le mali ihlobene nokuthi imali yakho engenayo idlula kangakanani imingcele yemali yokwelashwa yendabuko. Imali eningi oyenzayo, iholo lakho lizoba ngaphezulu. Uma ingeniso yakho yendlu yakho ishintsha, noma uma inani labantu abashintshayo ekhaya lakho, ingxenye yakho yezindleko izoshintsha futhi.
Yini Ukubaluleka Kwokwabelana Kwezindleko?
Izindleko zakho zezindleko zenani lezizindleko zokunakekelwa kwezempilo okufanele uzifake ngaphambi kokukhishwa kwe-Medicaid ukukhishwa kwenyanga.
Uqala inyanga ngayinye ngaphandle kwe-Medicaid inshuwalense yezempilo. Ngaso sonke isikhathi uma unezindleko zokunakekelwa kwempilo, uyazisa i-Florida Medicaid yezindleko (ngefeksi, imeyili, noma ku-umuntu) futhi ulandelele inani eliphelele le nyanga.
Usuku lwakho izindleko zokunakekelwa kwezempilo zenyanga zidlulele ingxenye yakho yezindleko, ukuqala kokuqala kweMedicaid. Kusukela ngalolo suku kuze kube sekupheleni kwenyanga, unesiNgisi se-Medicaid esiphelele. Ngosuku lokuqala lwenyanga ezayo, usuphinde ungenazo izimpawu kuze kube yilapho izindleko zakho zezempilo zidlula ingxenye yakho yezindleko.
Ingabe Kufanele Ngikhokhe Isabelo Sami Ngendleko Inyanga Ngayinye Ngaphambi Kokungena Kwezindleko?
Cha!
Empeleni akudingeki ukhokhe izindleko zokunakekelwa kwezempilo ezisetshenziselwa ukufinyelela ingxenye yakho yezindleko. Kumele ube nenkokhelo enkulu kangaka.
Uma ukuhlolwa kwe-Medicaid kuqala, akukona kuphela ukuthi i-Medicaid ikhokhela izindleko zakho zokunakekela impilo yonke leyo nyanga, ikhokhela nezindleko ezisetshenziselwa ukuhlangabezana nesabelo sakho sezindleko ngale nyanga, uma zikhokhwa noma ngemuva kosuku oluzokwaziswa ngalo nge-Medicaid iqala . Uma ukhetha ukukhokha lezo zindleko, zizohlala zibala ukuhlangabezana nokuhlanganyela kwakho kwezindleko, kodwa ngeke ubuyiselwe yi-Medicaid ngalokho okukhokhileyo.
Nasi isibonelo usebenzisa i-Cindy ne-$ 1000 yenani lamaholo:
UCindy unomsebenzi wokuqokwa kukaDokotela ngoMeyi 1 okuholela ku-bill of $ 200. Ubeka isikweletu kuFlorida Medicaid ngakho uMedicaid uyazi ukuthi uqongelele u-$ 200 ngasekuqaleni kwezindleko zikaMadola. I-Medicaid ayikhokhi imali ekhokhwayo kusukela uCindy engakaze ahlangabezane nesabelo sakhe sezindleko zenyanga okwamanje.
UCindy uhlolwe ngegazi ngoMeyi 4, uthola inkokhelo evela ebhodini ye-$ 900, kanye nefeksi ebizwa nge-Medicaid. Phakathi kukadokotela wakhe ukuvakashela nokuhlolwa kwegazi, manje uqoqe imali engu-1100 ezindleko zokunakekelwa kwempilo yenyanga, okungaphezu kwezindleko zakhe zemali engu-$ 1000.
Njengoba izindleko zenyanga zenyanga zikaCindy zedlula izindleko zayo ngoMeyi 4, ukuhlinzekwa kwakhe okugcwele kweMedicaid kuqala ngoMeyi 4 futhi kuqhubeka ngasekupheleni kukaMeyi. Yize kungathatha izinsuku ezimbalwa ze-Medicaid ukucubungula izindleko zikaCindy nokunikeza ukuhlinzekwa kwe-Medicaid, ukufakwa kuzobe sekubuyiselwa emuva kuMeyi 4.
I-Medicaid manje ikhokha izindleko zezokwelapha zikaCindy kusukela ngoMeyi 4 kuze kube sekupheleni kwenyanga.
Lokhu kusho ukuthi bazokhokha imali engu-$ 900 ebhokisini (okubheka ukuthi lebhu iyamukela iMedicaid, okusho ukuthi kuzodingeka bathole imali engaphansi kuka-$ 900 njengenkokhelo ngokugcwele, ngoba iMedicaid inezinga eliphansi lokubuyiselwa). I-medicaid izophinde ikhokhe izindleko zokunakekelwa ukuthi uCindy uyitholile phakathi nenyanga yonke. Kodwa i-Medicaid ngeke ikhokhe ukuqokwa kukadokotela ukuthi uCindy wayeneMeyi 1, njengoba ukuhlolwa kwakhe kweMedicaid akuzange kusebenze kuze kube nguMeyi 4.
Noma kunini phakathi nenyanga, kubalulekile ukuqinisekisa ukuthi abahlinzeki bezokwelapha oyisebenzisayo bazimisele ukwamukela iMedicaid. Lokhu kuyiqiniso ngemuva kokuqala kokuqala kwe-Medicaid yakho, kodwa futhi kuyiqiniso kuyilapho usesikhathini sokuqala senyanga lapho izindleko zakho zezokwelapha zihambelana nesabelo sakho semali yezindleko.
Njengoba ungabona esibonelweni esingenhla, u-Cindy ubenze ibhilikhithi elikhulu kusukela ebhokisini ngoMeyi 4. Uma lebhu engayamukeli i-Medicaid, ngabe ibambelele ebhayisini lebhu, nakuba ukuhlolwa kwayo kwe-Medicaid kuqale ngalolo suku (lapho ehlangana nesabelo sakhe sezindleko). Ingxenye yakho yezindleko zemali ingavela kubahlinzeki abenza noma abangawamukeli i-Medicaid. Kodwa izindleko ngosuku lapho isabelo sakho sezindleko sidlulela inani elidingekile lokufaneleka kweMedicaid lizohlanganiswa kuphela yi-Medicaid uma abahlinzeki abasebenzisa ngalolo suku bazimisele ukwamukela iMedicaid.
Yiziphi Izindleko Engingayisebenzisa Ukuze Ngihlangabezane Nokwabelana Kwami Kwezindleko?
Ungasebenzisa izindleko zokunakekelwa kwezempilo okungavame ukumbozwa yi-Medicaid uma ngabe unesiNgisi se-Medicaid. Ungasebenzisa izindleko kusuka ezinsukwini ezingu-90 ezedlule. Imali oyikhokhele ama-premium yomshuwalense wezempilo (ukungabalwa kwezinhlelo zokukhokhela izibonelelo ezingaguquki) ingabalelwa ekubambeni kwezindleko zakho, ngakho-ke izindleko zokuhamba (nge-ambulensi, ibhasi, noma itekisi) zenzelwe ukuba ufike esikhungweni sezokwelapha.
Izindleko zezokwelapha akudingeki ukuba zibe ngawe. Ungasebenzisa izindleko zezokwelapha kunoma ubani ongenayo imali engenayo ekunqumeni ukufaneleka kwakho kwe-Medicaid. Kulesi sibonelo esingenhla, uma imali kaKindy yomyeni wayo ifakwe ku-Cindy's Medicaid ukuzimisela ukufaneleka, uCindy angasebenzisa izindleko zezempilo zomyeni wakhe ngokuqondene nezindleko zakhe.
Noma kunjalo, awukwazi ukusebenzisa izindleko ezingaphezu kwezinsuku ezingu-90 ubudala. Futhi, awukwazi ukusebenzisa izindleko ezazisetshenziselwa ukuhlangabezana nesabelo sezindleko zenyanga edlule. I-Florida Medicaid iphinde ibone ukuthi awukwazi ukubala izindleko zemithi eminingi noma imishini.
[Ukuze kubhekiswe, ukufaneleka kweMedicaid kusekelwe kwimali engenayo yasemakhaya (njengephesenti yezinga lobuphofu), ngokuphathelene nobukhulu bendlu, kodwa imihlahlandlela yokufaneleka yabantu abahlukahlukene iyahluka kakhulu kusuka kwesinye isimo kuya kwesinye.]
Ngikhulisa kanjani Izinzuzo?
Kuzodingeka uhleleke ukuze ukwandise ukuthunyelwa kwakho kwe-Medicaid.
- Yazisa ngezindleko zezindleko zakho zokunakekelwa kwezempilo, ngeposi, ngefeksi, noma kumuntu.
- Ukuqashwa kwesikhathi kanye nezindleko ekuqaleni kwenyanga ukuze uhlangabezane nesabelo sakho sezindleko maduzane kunakamuva ngenyanga. Lokhu kuzokusiza ukuthi uthole izinsuku eziningi zokuthola inzuzo ephelele ye-Medicaid.
- Gcina ithrekhi yenani eliphelele lezindleko zezempilo kuze kube yilapho udlula isabelo sakho sezindleko ngenyanga.
- Qaphela ukuthi yiziphi izindleko zezempilo ezisetshenziselwe ukuhlangabezana nezindleko zezinyanga zangaphambi kwenyanga, izindleko ezingasetshenziswanga okwamanje, kanye nokuthi yiziphi izindleko ezingaphezu kwezinsuku ezingu-90 ubudala ngakho-ke angeke zisetshenziselwe ukuhlangabezana nesabelo sakho samanje izindleko.
- Kuzodingeka ukhokhe izindleko zokunakekelwa kwezempilo ezingaphezu kwezinsuku ezingu-90 ubudala, azange zisetshenziselwe ukuhlangabezana nezindleko zemali zenyanga, futhi azange zamukelwe ngenkathi unemibuzo ye-Medicaid.
Ingabe Ukhona Omunye Le Nkimbinkimbi Eyinkimbinkimbi Empeleni Usebenza kahle?
I-Medicaid share of Izindleko isebenza ngokukhethekile kubantu abanezindleko zokunakekelwa kwezempilo eziphakemeyo ezibuyele njalo ngenyanga. Isibonelo, uma unemithi ebiza u-$ 3,000 njalo ngenyanga, futhi isabelo sakho sezindleko ngu-$ 1,900, uzohlangabezana nesabelo sakho sezindleko njalo ngenyanga uma ugcwalisa umshwalense wakho. Isikhathi sokuvuselela kwakho ngosuku lokuqala lwenyanga yonke, futhi uzobe ugcwele imivuzo ephelele ye-Medicaid inyanga zonke njalo ngenyanga.
Yiziphi Izinkinga Ezinkulu Kakhulu Ne-Florida Medicaid Isabelo Sezindleko?
Kunezinkinga ezintathu ezinkulu:
- Iningi le-Florida Medicaid I-Share of Cost Beneficiaries ayiqondi uhlelo. Bakholelwa ngephutha ukuthi kufanele bakhokhe imali yabo ephelele yezindleko ngaphandle kwe-pocket njalo ngenyanga. Bazama ukukhokha imali yabo ngokwabo, okuholela ekukhokheni okungaphezu kwalokho okwakulindelwe kubo. Noma, badikibala ngoba bengakwazi ukukhokhela ingxenye yezindleko njalo ngenyanga, futhi bakholelwa ngephutha ukuthi ngeke babe nokukhokhelwa kuze kube yilapho bekhokha. Ababoni ukubaluleka kwenzuzo, bakhokhele kakhulu ngaphandle kwe-pocket, futhi baqede ukuthola izinsuku ezimbalwa kakhulu zokuvalwa kweMedicaid.
- Kunzima ukuthola abahlinzeki bezempilo abazokwamukela abahlomuli bezinhlelo ze- Medicaid Share of Cost. Ngisho nabahlinzeki abamukela i-Medicaid njalo ngezinye izikhathi ngeke babamukele ukwabelana ngezindleko ze-Medicaid. Uma umhlinzeki ehlola ukufaneleka kwakho kwe-Medicaid ngaphambi kokuqokwa kwakho futhi uthola ukuthi awubhalisile ngoba awuzange uhlangabezane nesabelo sakho sezindleko zenyanga, bangase bacele ukukhokha ngokugcwele ngesikhathi senkonzo. Uma ukhokha, ngeke ubuyiselwe yi-Medicaid. Kodwa, uma ungabakhokhi, bangenqaba ukuhlinzeka ngensizakalo.
- Lolu hlelo oluxhasiwe ngabakhokhi bentela lusekelwe ngokwezimali. Ukuklama kohlelo lwe-Florida Medicaid Share of Cost kukukhuthaza ukuba usebenzise izinsizakalo eziningi zokunakekelwa kwezempilo ngangokunokwenzeka. Izindleko ezengeziwe ozenzayo, cishe uzoba nomshuwalense wezempilo kule nyanga. Asikho isikhuthazo sokugcina izindleko zezempilo phansi. Noma kunjalo, izinguquko zingase zize njengoba iFlorida ifuna izindlela zokuhambisa abamukeli bayo beMedicaid ekunakekelweni okuphethwe .
Le lwazi ilungile uma lishicilelwe. Kodwa-ke, uMbuso waseFlorida ungashintsha uhlelo lwawo lwe- Medicaid Share of Cost noma kunini.
Imithombo:
> Imindeni yase-USA. Izinkombandlela zeNtshonalanga Yempofu.
> I-Florida Department of Children and Families. I-Medicaid. Abanempilo Abahluphekayo (Yabelana Ngezindleko) - Incwajana ehamba phambili iyatholakala.
> Usizo lwe-Florida Law. AbakwaMedical Needy Abelana Nezindleko.
> Medicaid.gov. Amazinga okufaneleka oku-Medicaid ne-CHIP.