I-Hospice Medicare Benefit iyinxenye ekhethekile ye-Medicare ekhokhela ukunakekelwa esibhedlela . Uma wena noma othandekayo uneMedare futhi ucabangela ukubhalisa ekunakekelweni kwe-hospice, yilokho okudingeka ukwazi nge-hospice kanye ne-Hospice Medicare Benefit.
Akuwona wonke umuntu ongathola i-hospice; kufanele ufanelekele. Ukuze ufanelekele esibhedlela, kufanele ube nokuphila okuphansi kwezinyanga eziyisithupha.
Ukwengeza, kufanele uvumelane nokwenza okunye okukhethwa ukwelapha okumele ukwelaphe ukugula kwakho okubulalayo, kunalokho ukhethe izinketho zokwelapha ezihloswe ukugcina ukhululekile futhi ugcine izinga elihle lokuphila ngangokunokwenzeka.
Uma une-Medicare futhi ukhethe inhlangano yokubeletha eqinisekisiwe ye-Medicare ukuze unikeze ukunakekelwa kwe-hospice yakho, izindleko zizokhokhwa yi-Hospice Medicare Benefit.
Okushiwo yi-Hospice Medicare Benevers Covers
I-Hospice Medicare Benefit ihlanganisa konke ukunakekelwa okuhlobene nokugula kwakho okugcina futhi okudingekayo ukuze uhlale ukhululekile. Ihlawulela:
- Odokotela nabahlengikazi base-Hospice.
- Imithi edingekayo ukuze uhlale ukhululekile futhi ulawule noma uvimbele izimpawu zakho.
- Impilo yezempilo yasekhaya ye-Hospice ukusiza ngokushintsha nokugeza kombhede.
- Imishini yezokwelapha njengesihlalo sabakhubazekile noma embhedeni wesibhedlela esibalulekile ukuze uhlale ukhululekile.
- Abasebenzi bezenhlalakahle ukukusiza ukuthi uthole izindaba zakho ngokuhlelekile futhi kukusize wena nomndeni wakho ukuthi nibhekane nezinkinga nokucindezeleka ngokomzwelo.
- Ukunakekelwa okudingekayo ukunikeza umnakekeli wakho ikhefu.
- Inkulumo, umsebenzi, noma ukwelashwa ngokomzimba kudingeka ukuba uhlale ukhululekile noma ufundise ukuthi ungabhekana kanjani nezinguquko umzimba wakho owenzayo.
- Izinsizakalo zezokwelapha uma kunesidingo.
- Ukululekwa okubuhlungu kokubili wena nabathandekayo bakho.
- Ukwamukelwa kwabagulayo uma kunesidingo sokuphathwa kwezinhlekelele, kuvunywe yiqembu le-hospice, futhi litholwa esiteshini esibhedlela noma esibhedlela.
- Noma yini enye ithimba le-hospice lizwa liyadingeka futhi lihlobene nokugcina ukhululekile futhi unciphisa izimpawu zesifo sakho sokuphela.
Okushiwo yi-Hospice Medicare Benefit Akufaki
I-Hospice Medicare Benefit ayihlanganisi noma yini ehlose ukuphulukisa ukugula kwakho okuphela. Isibonelo, kungase kuhlanganise izindleko zemithi yokwelapha okuhloswe ngayo ukwehlisa isisu esicindezelayo emthonjeni wakho wokugogodla obangela ubuhlungu. Kodwa, angeke ihlanganise imithi yokwelashwa ehlose ukuphulukisa isifo sakho. Isihluthulelo kungukuthi ukwelashwa ukulawula izimpawu zakho ukuze ukhululeke (okumbozwe), noma ngabe ukwelashwa kuwumzamo wokuphulukisa ukugula kwakho okuphela (hhayi okumboziwe).
Ayifuni izindleko zekamelo nebhodi. Lokhu akuyona inkinga uma uhlala ekhaya lakho. Kodwa, uma usendaweni yokunakekelwa, indawo yokuhlala yokusiza, ibhodi kanye nokunakekelwa ekhaya, noma uhlala esikhungweni sokugula, uzoba necala lokufaka izindleko zakho zebhodi nokunakekela. Uma kucacile ukuthi udinga ukuhlala ekhaya lokunakekelwa, ukusiza ngokuhlala, noma indlu yokuhlala esibhedlela kepha awukwazi ukuthenga igumbi kanye nebhodi, ezinye izinhlangano zokugula zizosebenzisa iminikelo yokusiza ekusizeni ngalezo zindleko. Lokhu kuvame ukuqhutshwa esimweni sokwethenjelwa, ngakho-ke uma ubikezela ukuthi lokhu kungaba yinkinga, cela ngakho njengoba ukhetha ukuthi iyiphi inhlangano yokubeletha okufanele uyisebenzise.
Igumbi eliphuthumayo kanye nezinsizakalo ze-ambulensi azitholakali yi-Hospice Medicare Benefit ngaphandle kokuthi ithimba lakho lokubeletha lizizwa lidingekile, lihlobene nokugula kwakho okugcina, futhi lihlele ukuba usebenzise lawa masevisi.
Okuzokwenza Ukhokhe
Uzoba ne- copay encane ye-$ 5 yemithi, nakuba ezinye izinhlangano zokubeletha zilalele le copay. Uzoba ne- coinsurance engu-5% yezindleko zanoma yikuphi ukunakekelwa kokuphumula , kodwa kungabi ngaphezu kwama-$ 12 ngosuku. Uzokhokha imali ekhokhelwa yi-Medicare Part B nokuqinisekiswa kwanoma yiziphi izinsizakalo zezokwelapha ozitholayo kudokotela ongasebenzi enhlanganweni yakho yokubhedlela.
Uzodinga ukuqhubeka ukhokhela ama- premium ama- Medicare owawukhokha ngaphambi kokuthi ubhalisele esibhedlela. Isibonelo, uma ukhokha i-premium ye-Medicare Part B noma i-premium yenqubomgomo ye- Medigap , kuzodingeka uqhubeke nokukhokha lezo zimali ezikhokhelwayo.
Indlela Yokuthola I-Hospice Benefit Benefit
Abaguli kuphela abazitholayo bangathola i-Hospice Medicare Benefit. Uma ukhetha ukubhalisa ohlelweni lwe-hospice, ingxenye yenqubo yokubhalisa esibhedlela izoshintsha kusuka ohlelweni lwakho lwe-Medicare lwamanje ukuya kwi-Hospice Medicare Benefit. Abasebenzi be-hospice abakusiza ngokubhalisa ohlelweni lokubeletha nabo bazokusiza ngokubhalisa kwi-Hospice Medicare Benefit.
Indlela i-Hospice Medicare Benefit Works ngayo
I-Hospice Medicare Benefit iyingxenye ye- Medicare Part A. Uma ubhalisela i-hospice, kungakhathaliseki ukuthi ukhona ku-Original Medicare noma uhlelo lwe- Medicare Advantage Plan njenge-Medicare HMO , uzoshintshwa ngokuzenzakalelayo ku-Original Medicare. I-Medicare yaseNgqungqutheleni yase-Original izokhokhela inhlangano ye-hospice isamba semali esiyi-dollar ngosuku olulodwa oluyisiguli sabo. Lelizinga le-dollar-per-day liyaziwa njengezinga le-diem.
Inhlangano yokubeletha ikhokhela zonke izinsizakalo zakho ezidingekayo zokunakekelwa esibhedlela ngaphandle kwesilinganiso sayo. Uthola le mali nsuku zonke ukuthi ngabe umhlengikazi wezempilo noma umnakekeli wezempilo wasekhaya akavakashele yini ngalolo suku noma cha.
Inhlangano yesibhedlela manje isebenza njenge-HMO ngoba uvunyelwe ukuthola izinsizakalo zokunakekelwa kwezempilo ezihlobene nesifo sakho esibulalayo kuleyo nhlangano yokubhedlela , noma kumunye umhlinzeki wezempilo owenza isivumelwano naye. Isibonelo, uma udinga i-oxygen ekhaya kanye nombhede esibhedlele, awukwazi ukuwathola kunoma imuphi umhlinzeki wezokwelapha ozikhethayo. Esikhundleni salokho, kufanele uwathathe kusukela kumhlinzeki wezokwelapha umhlangano wakho wokubhedlela ovumelana nabo, futhi u-hospice wakho kufanele avume ukuthi udinga lezi zinto.
Ungase uthole izinsizakalo zokunakekelwa kwezempilo ezingekho ezihlobene nesifo sakho esibulalayo kusuka kubahlinzeki abangenazo izifo. Isibonelo, uma ukugula kwakho okuphelile kungumdlavuza, ungaqhubeka nokubona i-cardiologist yakho yokwelapha inhliziyo yakho ngoba ayihlangene nokugula kwakho okuphela. I-Hospice ngeke ikhokhele isifo se-cardiologist ngaphandle kokuhamba kwayo ngoba ukuvakasha kukadokotela akuhlobene nokugula kwakho okuphela. Nokho, i-Original Medicare Part B izokhokha ukuvakasha kwe-cardiologist njengoba kwenzeka esikhathini esidlule.
Kwesinye isibonelo, uma ukugula kwakho kuphethwe yi-pulmonary hypertension futhi udinga ukungena esibhedlela ngoba usuqede futhi uphule umlenze wakho, i-Original Medicare Part A izokhokha esibhedlela sakho esihlobene nendawo ye-hip, kanti i-Original Medicare Part B izokhokha izikweletu ezihlobene nezidakamizwa i-hip yakho. Ngale ndlela, i-hospice ne-Medicare basebenza ndawonye ukumboza izindleko zesifo sakho sokugcina (nge-Hospice Medicare Benefit) kanye nezindleko zokunakekelwa kwezempilo ezingahambisani nokugula kwakho okuphela (nge-Medicare Parts A no-B.)
Kwenzekani Uma Ushintsha Ingqondo Yakho Nge-Hospice Emva kokuqala kwi-Hospice Benefit Benefit
Uma ushintsha ingqondo yakho mayelana ne-hospice ngemuva kokuthi ubhalise, ungabuyisa i-Hospice Medicare Benefit bese ubuyela ku-Original Medicare.
Uma ufuna ukuqhubeka nokuthola izinsizakalo zokugula, kodwa ushintshe ingqondo yakho mayelana nenhlangano yokubaluleka oyikhethile, ungashintsha enhlanganweni ehlukene yokubeletha. Noma kunjalo, awukwazi ukushintsha izinhlangano zokubeletha noma kunini lapho ufisa. Ungashintsha isikhathi esisodwa ezinsukwini ezingu-90 zokunakekelwa kwakho, isikhathi esisodwa phakathi kwezinsuku ezingu-90 zokunakekelwa kwakho, kanye kanye nezinsuku ezingu-60 emva kwalokho. Ngithemba ukuthi uzokhetha inhlangano yokubeletha oyojabula nayo futhi kungadingeki ushintshe.