Yintoni I-Medicare Part B?

I-Medicare Ingxenye B ayinayo iFree, kwaye ayikufihla yonke into

I-Medicare yakha isiseko sokunakekelwa kwempilo kubantu baseMerika abaneminyaka engama-65 nangaphezulu. I-Medicare ayisebenzi ngeendlela ezifanayo ne-inshorensi yempilo yenkcubeko ngenkqu usebenza, ayikho inkululeko, kwaye ayiyi kuhlanganisa zonke iindleko zonyango lwakho. Nantsi indlela esebenza ngayo.

Icandelo leNgxelo ye- Medicare , iNgxenye A, inkululeko kumazwe amaninzi aseMelika asebenza e-US kwaye ngoko ke iirhafu zokuhlawula iikhokheji zintlawulo zeminyaka emininzi.

Icandelo A libizwa ngokuba yi-inshurensi yesibhedlele. Ukuba unelungelo lokuKhuseleko loLuntu, uya kufanelekela kwiCandelo A.

Icandelo B, elibhekiselwe kwi-inshurensi yonyango, ayikhululekile. Uhlawula i- premium yenyanga ye-Medicare Part B. Icandelo B liyingxenye ye-Medicare ukuba ngokugqithiseleyo kufana nento enokucinga ngayo njengempilo yomshuwalense wezempilo. Makhe sijonge oko i-Medicare Part B ifaka khona.

Ngayiphi i-Medicare Part B Covers

Hlola i- Medicare kunye ne-Handbook kwaye uza kufumana malunga namaphepha angama-25 achaza iinkonzo ezikhuselekileyo ezifumaneka phantsi kweCandelo le-Medicare Part B. Uninzi lweenkonzo ezikhuselekileyo zixhomekeke kwi-deductible kunye ne-co-pay.

Ngokuqhelekileyo, i-Medicare Part B ibandakanya iinkonzo eziyimfuneko kunye neempahla ezifunekayo ukuze kuxilongwe kwaye uphathe imeko yonyango. I-Medicare Part B nayo ihlanganisa ezinye iintlobo zokunyamekela. Masiqale ngokujonga ezinye zeenkonzo zokukhusela ezikhutshwe.

Iinkonzo ezikhuselayo

Ngokuqhelekileyo awuyi kuhlawula eyongezelelweyo ngeenkonzo zokuthintela.

Ngezantsi isampuli yeenkonzo zokukhusela ezikhutshwe yi-Medicare Part B. Iinkonzo ezongezelelweyo ezingaboniswa apha ziyakhona.

Ezinye zeenkonzo zokuthintela ziyiyo: ukusetyenziswa kakubi kotywala, ukunyaniseka kwethambo, ukunyaniseka kwesifo se-cardiovascular disease screenings, i-mammograms, umhlaza wesifo somhlaza (njengawo umlomo wesibeleko, i-colorectal, iprotate, njl.) Isifo sikashukela, ukunyanzeliswa kwesifo sikashukela, isifo sikashukela, i-glaucoma iimvavanyo (ukuba uthathwa njengomngcipheko ophezulu kwesi sifo), ukutshulwa kwe-pneumococcal, kunye nokutyelela "ukuhamba kakuhle" konyaka.

Ezinye iinkonzo eziyimfuneko

Kukho ezinye izinto ezigqitywe yiCandelo B ngaphezu kweenkonzo zokukhusela. Kwezinto ezininzi zezi zinto, i-deductible inokufaka isicelo, kwaye unakho ukuhlawula iipesenti ezingama-20 zeendleko ezivunyiweyo ze-Medicare. Ngenxa yesi sizathu, abantu abaninzi banomgaqo-nkqubo we-Medicare Supplement, ngamanye amaxesha kuthiwa ngumgaqo-nkqubo we-Medigap, ukukunceda ukugubungela "ikhefu" kwingxelo.

Nazi ezinye izinto ezigqitywe yiCandelo B ezingathi zixhomekeke kwi-deductible kunye ne-co-pay: i-ambulance services, ukuvuselelwa kwenhliziyo, inxalenye ye-chemotherapy yezigulane, i-defibrillator, i-diabetes, izixhobo zonyango ezizinzileyo (njengezixhobo ze-oxygen, ii-wheelchairs, walkers ), iintlobo ezithile zeenkonzo zempilo zasekhaya zezempilo, i-kidney dialysis kunye neenkonzo, unyango lwamaziko, imibono yesibini yokupasa, iimvavanyo ezifana ne-MRIs, i-CT, i-EKG / ECG, kunye nesilingo se-CPAP (ukuya kwiinyanga ezintathu) ukuba ufumene ukuba unobungozi obunzima bokulala.

Qaphela: iinkonzo ezongezelelweyo ezingabhalwa nazo zingabhekiswa.

IiNkonzo zoLebhu

I-Medicare Part B ikwabandakanya iinkonzo ezininzi zebhu ezifana nokuhlolwa kwegazi, urinalysis, kunye neemvavanyo kwiisampuli zamathambo. Ngokuqhelekileyo, awuyi kuhlawula eyongezelelweyo kule nkonzo yebhu.

Yintoni engagciniweyo yi-Medicare Part B

Unonophelo lwamazinyo amaninzi, kuquka amazinyo, alufakwe phantsi kweyiphi na inxenye yeMedare.

Iimviwo zamehlo ezinxulumene nokumisela iziglasi (ngokumalunga nokugula okanye ukukhutshwa), ukuhlinzwa okwenkcenkceshela, ukunyanga, ukufumana izixhobo zokuvalelwa, ukuhlolwa okufanelekileyo okuhlobene nezixhobo zokuvalelwa, kunye neenkonzo ze-concierge azifunyenwe yi-Medicare Part B okanye nayiphi na enye inxenye ye-Medicare.

Kwakhona, abaninzi abantu abaqapheli ukuba i-Medicare ayiyi kugcina ukunakekelwa kwexesha elide. Ukunyamekela kwexesha elide akunyanga unyango lwezonyango ezinxulumene nemisebenzi emithandathu yokuphila kwansuku zonke . Ngokomzekelo, abaninzi abantu badinga uncedo kamva kwimpilo kunye nemisebenzi efana nokuhlamba, ukugqoka, ukulungiselela ukutya, nokusebenzisa indlu yokugcina. Olu hlobo lonyango alufaki phantsi kweMicroare.

I-Medicare ICandelo A libandakanya inxalenye yeendleko zokunakekelwa kwabantwana abanononophelo, kodwa emva kokuhlala esibhedlele esibhedlele kwisithuba se-3. Abantu abaninzi badinga ukunakekelwa kwabahlengikazi abanezakhono ngenxa yokukhubazeka okanye izifo kodwa abangahlangabezananga neemfuno ezincinci zokuhlala esibhedlele.

Oku kuthetha ukuba awukwazi ukubala kwi-Medicare Part A okanye kwiNgxenye B ukulungiselela ikhaya lokunakekela abantwana okanye izindleko zonyango.

Nangona kunjalo, ukuba ingeniso yakho kunye neempahla ziphantsi ngokwaneleyo, unokuba ufanelekile kwiMedicaid. Ukuba ufanelekile kwiMedicaid kunye nekhaya lakho lokunyamekela okanye ukunakekelwa kwexesha elide kuthathwa njengeyimfuneko yonyango, ngoko iMedicaid (kungekhona i-Medicare) inokufaka iindleko.