Izinzuzo Zomshuwalense Wezokwelapha ze-Medicare
I-Medicare Part B
I-Medicare inezingxenye ezine , noma izinhlelo, ezihlinzeka ngokubambisana ngezinsizakalo ezihlobene nempilo ehlukene. Ukuqonda indlela usebenza ngayo i-Medicare kungakusiza ukhethe ukhetho lweMedarethi olufanele kakhulu izidingo zakho.
I-Medicare Part B, eyaziwa nangokuthi uhlelo lwe-Medical Insurance, isiza ukukhokhela izinsizakalo ezidingekayo zemithi, njenge:
- Izinsizakalo zodokotela
- Ukunakekelwa kwabangaphandle
- Ezinye izinsizakalo zezempilo zasekhaya, ezifana nokwelapha ngokomzimba nokusebenza
- Ezinye izinsizakalo zokuvimbela
Ubani Ongakulungela I-Medicare Part B?
Uma uneminyaka engama-65 noma ngaphezulu (futhi uthole izinzuzo ezivela kwi-Social Security noma kwiBhodi YezokuThatha Umhlalaphansi), uyazitholela ngokuzenzekelayo i-Medicare Part B. Isihloko sakho se-Medicare Part B siqala ngosuku lokuqala lwenyanga uvula iminyaka engu-65. Kufanele futhi uthole ikhadi lakho le-Medicare encwadini ezintathu ezinyangeni ngaphambi kokuzalwa kwakho kweminyaka engu-65.
Uma ungaphansi kweminyaka engu-65, ufanelekile ukuthola izinzuzo zeNgxenye B ngaphansi kwezimo ezilandelayo:
- Uthole Umshuwalense Wokukhubazeka Kwezenhlalakahle iminyaka engaphezu kwengu-2 - kufanele uthole ikhadi lakho leMedare ngeposi ngaphambi kwenyanga yakho yama-25 yokukhubazeka.
- Unesifo esingapheli sezinso (isifo sokuqeda isisindo sokugcina, noma i-ESRD) sidinga ukudayiswa okuqhubekayo noma ukufakelwa kwezinso. Imithetho ekhethekile isebenzela abantu abane-ESRD - ngolwazi oluthe xaxa buka uMnyango WezeMpilo we-Kidney Dialysis kanye nezinsizakalo zokuThuthukiswa kwezinso.
- Utholwe ukuthi une-amyotrophic lateral sclerosis (isifo sikaLou Gehrig). Uma une-ALS, uthola Ingxenye A ngenyanga izinzuzo zakho zokukhubazeka ziqala.
Ingabe Ngingakhokhela I-Premium ye-Medicare Part B?
Kuzodingeka ukhokhe inteyinimenti yanyanga zonke yeNgxenye B engadonswa esitokisini sakho sokuphepha komphakathi.
Abantu abaningi bakhokhela i-premium yenyanga ejwayelekile yeNgxenye B, eyi-$ 96.40. Ngo-2010, uma uthola imali engenayo ngo-2008 (ngaphezulu kuka-$ 85,000 umuntu ngamunye; $ 170,000 ngamunye), kuzodingeka ukhokhe imali ekhokhelwa ngenyanga ka-Part B, kusukela ku-$ 154.70 kuya ku-$ 353.60.
I-Medicare Part B iyihlelo lokuzikhethela futhi ungakhetha ukuphuma kulo futhi ungakhokheli i-premium yenyanga. Uma ungafuni i-Medicare Part B, landela imiyalo ezayo nekhadi lakho le-Medicare. Uzodinga ukuthumela ikhadi. Uma ufuna ukuhlala ku-Medicare Part B, vele ugcine ikhadi futhi uzothola izinkokhelo ze-Part B ezikhishwe kwisheke sakho sokuphepha komphakathi.
Uma imali yakho engenayo isinganiselwe futhi awukwazi ukukhokhela i-premium yenyanga Yengxenye B, isimo sakho singase sibe nenqubo yokusiza. Ukuze uthole ulwazi bheka incwajana ethi Thola Usizo Ngezindleko Zakho ZeMithi futhi uvakashele isayithi le-State Health Assistance Program (SHIP) ukuze uthole ulwazi mayelana nokululekwa kwamahhala esifundazweni sakho.
Yini i-Medicare Part B Cover futhi Yini Engingayikhokha?
I-Medicare Part B ine-deductible yonyaka, ngo-2010 eyi-$ 155.00. Kufanele ukhokhe zonke izindleko uze uhlangabezane nale deductible ngonyaka ngaphambi kokuba uMedarele eqale ukukhokha isabelo sakhe. Ngemuva kokuthi uhlangabezane ne-deductible yakho, ungase ube nesibopho sokukhokhela imali engu -20% yemali evunyiwe ye-Medicare yenkonzo.
Ngokuvamile, i-Medicare Part B ihlanganisa izinhlobo ezimbili zamasevisi:
- Izinsizakalo zezokwelapha - izinsizakalo zokunakekelwa kwezempilo (kanye nempahla ehlobene) ongayidinga ukuyihlolisisa uphinde uphathe isimo sezokwelapha. I-Medicare izokhokhela kuphela izinsizakalo ezichaza ukuthi ziyimfuneko yokwelashwa.
- Izinsizakalo zokuvimbela - izinsizakalo zokunakekelwa kwezempilo ukuvimbela ukugula (njengokuguquka komkhuhlane) noma usizo lokuthola ukugula esiteji sokuqala ukuze ilawulwe ngaphambi kokubi kakhulu (njengokuhlola umdlavuza wekoloni ).
Izinsiza zezokwelapha
Ezinye izibonelo zezinsizakalo zezokwelapha ezihlanganisiwe zifaka:
- Imisebenzi ye-Ambulance - kuphela uma kunesidingo futhi kuphela esikhungweni sezokwelapha esifanele esiseduze
- Imisebenzi yezokwelapha emitholampilo - ukuhlolwa kwegazi ezithile, izivivinyo zomchamo, nokuhlola okunye ukuhlola
- Izimpahla zesifo sikashukela - ababheki begazi, ama-test strips, nama-lancet
- Izinsizakalo zeDokotela - izinsizakalo zokunakekelwa nokuvimbela ozithola odokotela bakho ehhovisi labo kanye nezinsizakalo ezithile ezinikezwe esibhedlela
- Imishini Yokwelapha Ehlala Ehlala Njalo - izinto ezenziwa udokotela wakho ukuze zisebenzise ekhaya, ezifana nemishini ye-oxygen, izihlalo zabakhubazekile, abahamba ngezinyawo, nemibhede yesibhedlela
- Izinsizakalo Zamakamelo Eziphuthumayo - ukwelashwa kokulimala okungathí sina noma ukugula okungazelelwe
- Ukunakekelwa Kwezempilo Kwempilo - ukuxilongwa nokuphathwa kwezimo zempilo yengqondo njengokucindezeleka, ukukhathazeka noma ukusebenzisa kabi izidakamizwa
- Ukwelashwa Kwezemisebenzi, Ukwelashwa Kwemithi, Nezinkulumo-I-Pathology Services - ukukusiza ukuba ubuyele emsebenzini ojwayelekile emva kokugula noma ukulimala
- Izinsizakalo Zokuphulukisa Izibhedlela - zihlanganisa nezinsizakalo zezokwelapha emnyangweni weziguli eziphuthumayo nezinye izinsiza ezifana ne-X-ray, i-EKGs, ukuhlola, ukuphonsa, noma ukuphathwa kwilonda)
- Izidakamizwa Zedayimane - ngokuvamile zikhawulelwe ezigayeni ozifakayo ehhovisi likadokotela wakho, izidakamizwa ezithile zomlomo zomlomo, nezinye izidakamizwa ezisetshenziselwa imishini enjenge-nebulizer noma ukumisa kwepompo
Izinsizakalo Zokuvimbela
Ezinye izibonelo zamasevisi okuvimbela okuhlanganisiwe zihlanganisa:
- I-Aortic Aortic Aneurysm Screening - ukuhlola isikhathi esisodwa kubantu abasengozini
- Ukuhlolwa kwe-Bone Density - izikrini ze-osteoporosis ukuze ubone ukuthi usengozini yamathambo aphukile
- I-Cancer Screening - ukuhlolwa okuningi kuhlanganiswa ukuze kusize ukuthola ezinye izinhlobo zomdlavuza, njengomdlavuza omncane, umdlavuza webele, umdlavuza womlomo wesibeletho nomdlavuza wesibeletho
- Ukuhlolwa kwesifo sikashukela - ukuhlolwa kwegazi kubantu abasengozini yesifo sikashukela
- Izivivinyo ze-Glaucoma - kubantu abasengozini enkulu ye-glaucoma, isifo esibi kakhulu
- Ukuhlolwa Kwesifo Sezinhliziyo - Ukuhlolwa kwegazi, njenge-cholesterol, ukusiza ukucaca ingozi yokuhlaselwa yinhliziyo
- Ukudubula - ukuhlanganisa kubandakanya ukudubula komkhuhlane, isibhamu se-hepatitis B, nokudubula kwe-pneumococcal
- Ukuyeka ukubhema - ukweluleka ukusiza ukuyeka ukubhema
Qaphela: Izinhlu ezingenhla ziwuhlaka oluncane lwezinsizakalo ezihlanganiswe ngaphansi kwe-Medicare Part B. Ukuze uthole uhlu olugcwele, lokhu kufaka phakathi ukuthi yiziphi izinsizakalo ezitholakala ku-deductible and coinsurance yonyaka, bheka i-Medicare & You 2010, okumele uyenze kuyo imeyili. Futhi ungabuka inguqulo ebuyekeziwe kwiwebhusayithi ye-Medicare.
Kufanele Ngibhalise ku-Plan Medigap?
Ngenkathi i-Medicare Part B izokhokha cishe izindleko zezokwelapha eziningi, ungase ube nezindleko ezingaphandle kwezezimali. Ngakho-ke, ungase uthande ukucubungula uhlelo lweMedigap ukusiza ukukhokhela lezi izindleko ezingaphandle kwe-pocket ezifana ne-Part B eyedlule, ukukhokhiswa kwemali yezimali nokukhokha imali. Uma ubhalisa ohlelweni lwe-Medicare Advantage, ezinye zezindleko zingase zihlanganiswe.