Isikhokelo soNkulumkiso kwiingxenye ze-Medicare A, B, C, kunye noD

I-Medicare Coverage and Benefits ihlula kwiiNdawo ezine eziPrayimari

I-Medicare ngokuyinhloko iyaziwa njengeprogram yase-United States yempilo yomshuwarensi yempilo efumanekayo kwabemi baseMerika abaneminyaka engama-65 okanye ngaphezulu, kodwa i-Medicare ihlanganisa amanye amaqela amancinci afana nabantu abanokukhubazeka. Eyasungulwa ngo-1965, i-Medicare iye yanda ukuba ibe ngumniki-nkonzo obaluleke kakhulu kwi-inshurensi yempilo kubantu baseMerika abadala. Nangona iingxelo ezahlukahlukeneyo zengxelo zixubushe ukuxhamla kwexesha elide le-Medicare, ukuthandwa kwenkqubo kukuqinisekisa ukuba urhulumente uya kufumana indlela yokuqhubeka nokuxhasa imali kwinkqubo.

Abathathe umhlala-phantsi abaninzi baye bonke kodwa bathembele kwi-Medicare ngenxa yeemfuno zabo zononophelo lwempilo emhlala phantsi.

Kodwa ukucwangcisa nje ukubhalisa kwi-Medicare inzuzo xa uneminyaka engama-65 alaneleyo kwisicwangciso sokunakekelwa kwezempilo. Kukho okuninzi ukwazi malunga ne-Medicare kunye neendawo zayo ezahlukahlukeneyo, ngakumbi xa kuziwa oko kubandakanya noko akunakukwenza. Ukuqonda i-Medicare yinyathelo lokuqala ekucwangciseni ukunakekelwa kwempilo yakho kumhlalaphantsi .

Ukucwangciswa koNcedo lwezeMpilo kwiRhafu

Iindleko zonyango lwempilo ziyingxenye encinci kwaye inokuba yindleko kakhulu yokucwangcisa umhlalaphantsi. I-Medicare yenza izinto ezimangalisayo ukuzisa isakhiwo esithile kwi-maze ukunakekelwa kwempilo, kodwa yinto eyodwa kuphela yepuzzles. Ukwenza izinto zibe nzima, iiprogram zeMedare ziphakathi kwaye zizinzima kakhulu, kwaye abaninzi abahlala phantsi abaqondi ngokupheleleyo ukuba zeziphi iingenelo zabo kwi-Medicare.

Indawo engcono kakhulu yokuqala ekuqondeni i-Medicare kukuba uqhelane neengxenye ezine eziphambili:

1. I-Medicare Icandelo A
2. Medicare Part B
3. Medicare Part C
4. I-Medicare Part D

Masifumane ukujonga ngokukhawuleza kweso ngasinye sazo.

I-Medicare Ingxenye A (I-inshurensi yezibhedlela)

I-Medicare Ingxenye A iyaziwa njenge-inshorensi yesibhedlele njengoko iquka iindleko zebhedlele ezifana nokuhlala esibhedlele esibhedlele, ukunakekelwa kweziko lononophelo, kunye nokunakekelwa kwezibhedlele. Ukongezelela, iSahluko A siquka ezinye iinkonzo ezinjengeemvavanyo zelabhu kunye nokuhlinzwa, kunye neemfuno zonyango eziyimfuneko ezifana nezihlalo zabakhubazekile nabahambahambayo.

I-Medicare Icandelo A mhlawumbi liyinxalenye eyaziwa kakhulu yenkqubo ye-Medicare kuba kunikezelwa ngeendleko ezongezelelweyo zokuthatha umhlala-phantsi (kunye nabafazi babo) abaye bahlawula ubuncinane iminyaka eyi-10 kwinkqubo. Kodwa iCandelo A ngokuqhelekileyo libhekwa njengento engxamisekileyo ngokubhekiselele kwi-inshurensi yezempilo. Nangona kubhetele kunokuba akukho ninshuwalense kubo bonke, abaninzi abahlala kumatyala bakhetha ukufumana inkxaso eyongezelelweyo ngendlela yeCandelo B.

I-Medicare Ingxenye B (I-inshurensi yonyango)

I-Medicare Ingxenye B iyaziwa njenge-inshorensi yonyango njengoko isandiso sesibhedlele kunye neenkonzo zonyango / i-inshurensi yonyango enikezwe yiNgxenye A. Icandelo B leMedare lijongene nokunyamekela ukuthintela, ukutyelela ugqirha, umsebenzi webhu, kunye neenkonzo zonyango ezifana nokunyanga. Icandelo B lingabandakanya iindleko ezifana neenkonzo zee-ambulance, iinkonzo zempilo yengqondo kunye nemithi ethile. Isiqendu esibaluleke kakhulu seCandelo B siquka oko kuthethwa ngunyameko wokukhusela, kungekhona nje iimfuno zonyango zeCandelo A.

Ukwamkelwa kwe-Medicare Part B, nangona kunjalo, kufuneka uvumeleke kwaye uhlawule i-premium yenyanga. Ixabiso le-premium liyehluka ngokusekelwe kwingeniso yakho, ngoko ke ukwenza ngokwengeziwe umhlalaphantsi, i-premium ye-Medicare Part B yakho iya phezulu.

Kodwa phakathi kweeNgxenye A no-B, zikhona izikhewu ekujoliswe kuyo. Ngokomzekelo, kunye neNgxenye A kunye neNgxenye B, iinkonzo ezinokunyamekela kwexesha elide, ukunakekelwa kwamazinyo amaninzi, iimviwo zamehlo zonyaka, kunye neenkonzo zokuncediswa kweendlebe azifakwe.

I-Medicare Ingxenye C (i- Medicare Benevantage Plans )

I-Medicare Ingxenye C iyaziwa ngokuba yi-Medicare Benevantage. Kwinqanaba eliphakamileyo, iCandelo C linika enye indawo kwiNgxenye A kunye no-B kwaye ngokuqhelekileyo iyakususa imfuno yomshuwalense waseMedigap . (Inyuksi yakwaMedigap yinto ekhethiweyo ngokuqhelekileyo kulabo abaneengxenye ze-A kunye ne-B. iMigigap ihlanganisa ezinye kwiimingxube kwi-Medicare coverage). Icandelo C liyakwenzelwa ngokwenkampani ezizimeleyo ezenza isivumelwano ne-Medicare ukubonelela ngeNgxenye A kunye neNxalenye B. Inzuzo eyintloko ye-Medicare Benevantage Plans yinto yokukhetha inhlangano ukudibana nayo (njenge-HMO, i-PPO, i- Akhawunti ye-Akhawunti yokuThengiswa kwezoNyango ) kunye nokufumaneka kwenkcazo yokusetyenziswa kwezidakamizwa.

I-Medicare Ingxenye D (Umgca woMhlaza weNgcaciso)

Enye yezona zikhewu ezinkulu kwii-Medicare Parts yinkcazo yeziyobisi zonyango. Eyasungulwa ngowama-2003, i-Medicare Part D iyona nto intsha kwaye ibandakanya izidakamizwa zemithi kulabo abakhetha ukuthenga le nxalenye ngokuhlawula iiprayimari zenyanga. Njenge-Medicare Part C, iSahlulo D sinikezwa ngamashishini abucala asebenza kunye ne-Medicare.

Ukuze ubhalise kwiCandelo D, kufuneka ube neengxenye ze-A kunye ne-B okanye iCandelo C. Njengazo zonke iinkqubo ze-inshorensi, kukho ukuhluka ngokwemiqathango yokuncitshiswa.

Ulwazi olungakumbi kwi-Medicare

Ukufumana ulwazi oluthe xaxa kwi-Medicare, ukuba lusebenza njani, kwaye ungabhalisa njani, qiniseka ukuba ukhangele iwebhusayithi ye-Medicare.