I-inshurensi yoNcediso lweeMali: IiNzuzo kunye nokuqwalasela

Ukuba ungumntu ophezulu kwi-Medicare, mhlawumbi sele uyayazi ukuba ayinikezeli yonke inshorensi yempilo oyifunayo-yilapho isicwangciso se-Medicare esongezelelweyo, ngamanye amaxesha esibizwa ngokuba yi-Medicare gap coverage, ingena kuzo. I-coup cover you can buy for the help of the supplementary expenses.

Liliphi igciwane alifihla

Into onokungazi ngayo nge-Medicare kukuba izibonelelo zonyango zimiselwe emva kokuba ufike kwisixa esithile sedoli.

Oku kubhekiselwa kuyo ngokuthi "i-Medicare don hole hole" Emva kokuba ufikelele kwi-indleko yakho yeendleko, i-Medicare ihlawula ipesenti ethile yeendleko zemithi yakho yonyango - okokuba ude ufike kwisiqephu somgodi. Eli lixesha eliphakathi kwexesha xa iMedareriya eyeka ukuhlawula ukunyamekelwa kwemithi kuze kube yilapho iindleko zakho zogunyaziso zifikelele kumanqanaba "obungozi".

Xa usufikelele kwinqanaba eliyingozi, i-Medicare iya kuhlawula iipesenti ezingama-95 zeendleko zonyango. Abaninzi abakhulileyo bayeka ukuthatha imithi yabo emva kokuba bafike kule galeko. Oku kwenza ukuba banokugula ngakumbi kwaye baze bafa. Abadala akufanele babekwe kwindawo yokukhetha phakathi kweyeza kunye nezinye izinto eziyimfuneko. Akufanele uxhalabele ngokungabi namagciwane omyalelo wokugcina unomzimba ukuba unayo i-Medicare gap coverage.

Olunye ulwaphulo lwe-Medicare yiloo maqabunga asebekhulile ngaphandle kokubaluleka okubalulekileyo kwezinye iinkonzo ezibalulekileyo ezifana nombono kunye nokuva.

Ipesenteji enkulu yabantu bonke abakhulileyo abakwi-Medicare baneemboniso okanye iingxaki zokuva. Kwakhona, nantsi enye indlela apho i-Medicare gap coverage ingenza umehluko kubantu abadala ukuba bakwazi ukufumana iinkonzo zonyango abayidingayo ngokwenene.

Ukuqwalaselwa ngokuthenga iSicwangciso soNcediso lweMida

Xa ukhetha iSicwangciso seMedigap , unezicwangciso ezili-10 ezikhethiweyo ozikhethayo (A, B, C, D, F, G, K, L, M kunye N) kwaye ezininzi ziqinisekisiwe ngokutsha, oku kuthetha ukuba xa uhlawula i-premium yakho ngexesha, awuyi kukhanselwa ngenxa yeemeko zempilo okanye ngenxa yobudala.

Ukufumana umgaqo-nkqubo wokuncedisa unyango oza kusebenza ngokusemgangathweni ukuhlangabezana neemfuno zakho zezonyango, uya kuqhathaniswa kwaye uqikelele ngokucophelela inzuzo kunye neenketho ezibonelelwe ngesicwangciso ngasinye. Nazi ezinye zeengqwalasela eziphezulu zokuthelekisa izicwangciso zeeMedare ezizeleyo:

• Uhlobo lweeMboniselo zoMboneleli ezikhoyo : Uya kufuna ukufumana ukuba zeziphi iiprogram zezibonelelo ezikhoyo. Oku kubalulekile njengoko kuya kubonisa abaqeqeshi bezempilo ovunyelwe ukuba ubone. Udinga ukwazi ukuba unokukhetha umboneleli wakho wezempilo okanye ukuba kufuneka usebenzise ugqirha okanye indawo yokunakekelwa kwempilo eyingxenye ye-HMO okanye iPPO. Fumana ukuba kungenjalo ukuthunyelwa kuyimfuneko ukuba kufuneka ubone ingcali kunye nokuba ixabiso lihlawulwa licebo le-inshorensi eyongezelelweyo.
• Ukukhuselwa kweMithi yokuLawulwa kweMithi : Iindleko zemiqathango zenza ipesenti enkulu yeendleko zonyango. Fumana ukuba isicwangciso sinexabiso lokubambisana kunye, nokuba likhulu kangakanani, kwaye ukuba kukho i-deductible unako ukwanelisa ukuze zonke iindleko zakho zonyango zihlanganiswe.
• Izinzuzo ezongezelelweyo : Kukho ezinye iinkonzo ozifunayo ezingagqithwanga ngamayeza rhoqo. Ngokuxhomekeke kwimeko yakho, oku kubaluleke kakhulu. Ezinye zeenkcukacha ezongezelelweyo zokukhawulela ozifunayo ukuze ufumane malunga nokubandakanya ukuhanjiswa kweenkonzo kunye neenkonzo zombono.

• Iindleko ezipheleleyo zeSicwangciso : Isicwangciso esinikeza iinketho ezininzi kuwe ziza kuba zibiza kakhulu. Uya kufuneka ufumane oko kubaluleke kakhulu kuwe-inkululeko yokukhetha iinkonzo zakho kunye nababoneleli okanye ukugcina iindleko zonyango lwempilo ubuncinci. Ukuba uthelekisa izicwangciso ngokucophelela, unokukwazi ukuphumeza "ophakathi ovuyokileyo" apho ungagcina khona iindleko ngelixa usenakho ukufumana enye inkonzo kunye nenketho yenkonzo oyifunayo.

Igalelo legagare ye-Medicare inokunceda ukunciphisa nayiphi na inkxalabo enayo malunga nokuhlawula unyango lwezempilo olungagqityiwe isicwangciso sakho seMedare. Uyakulungele ukuthenga umgaqo we-Medigap ngokukhawuleza ukuba ufikelele kwiminyaka yobudala engama-65 kwaye uvumelekile ukubhalisa kwiZibonelelo zeMithi ye-Medicare (i-A A & B). Ukuba uhlala umhlala phantsi, khangela ukuba umqeshi wakho unikezela ukongezwa kwamancedo akho okhathalelo lwempilo okwangoku ukubonelela ngeenzuzo zakho zeMedare.

Ukuba awuqinisekanga ngemali ye-inshurensi ye-Medicare eyongezelelweyo ongayimfuneko, uthetha kummeli wakho womshuwalense onokukwazi ukukunceda ukuba ufumane isicwangciso esinokungenakufikeleleka kunye nokukhetha okufanelekileyo.

Uthini umahluko phakathi kwe- Medicare kunye neMedicaid ?