Ukuba wena okanye umntu omthandayo unokuhamba okulinganiselweyo, ukutyala imali kwiisitulo esinamavili sombaneingenza umahluko omkhulu.Banokuphucula ukuzimela, bakhuthaze ukuhamba kunye nokunceda ukulawula intlungu.Nangona kunjalo, umbuzo omkhulu abantu bahlala bexhalabele ngawo, "Ngaba i-Medicare iya kuhlawula izitulo ezinamavili zombane?"
Impendulo ayingo “ewe” okanye “hayi” ngqo, kodwa ukwazi oko ukulindeleyo kubalulekile.Xa ucinga ngokhuseleko lweMedicare kwizitulo ezinamavili zamandla, gcina oku kulandelayo engqondweni.
1. I-Medicare inokuhlawula ukuthenga isitulo esinamavili esinenjini ukuba ibonwa iyimfuneko ngokwezonyango.
Amaziko eMedicare & Medicaid Services (CMS) aya kuvuma kuphela ukuthengwa kwezitulo eziqhutywayo zombane ezithathwa ngokuba “zizixhobo zonyango eziqinileyo” (DME).Iikhrayitheriya zokuba yamkelwe njenge-DME yeyokuba iyazingisa, iyimfuneko ekuncedeni abantu abaneengxaki zempilo, kwaye ayenzelwanga ukusetyenziswa ngaphandle kweenjongo zonyango.
Ukuze isitulo esinamavili esinenjini sigqunywe, kufuneka sihambelane nemeko yempilo eyodwa yalowo usisebenzisayo okanye izithintelo zomzimba.Oku kufuna umyalelo obhaliweyo kunye nokutshekishwa ngokucokisekileyo kwemeko yempilo yomsebenzisi ngaphambi kokuthenga.
2. Ukufaneleka kwi-Medicare coverage akukho lula.
Ukuba uyazibuza ukuba i-Medicare iya kuhlawula isitulo esinamavili samandla, qaphela ukuba imigaqo yokufaneleka ingqongqo kakhulu.Okokuqala, isigulane kufuneka sibe nemeko efunyenweyo efuna uncedo lokuhamba.Kubantu abanezithintelo zentshukumo ethambileyo okanye ezinye iinketho ezihlangabezana ngcono neemfuno zabo, isitulo esinamavili esinamandla sisenokungabi yimfuneko.
Okwesibini, abaxhamli kufuneka babhalise kwi-Medicare Part B, ebandakanya kuphela izixhobo zonyango ezihlala ixesha elide.Oku kuthetha ukuba ukuba ubhalise kwi-Medicare Part A, abayi kukuhlawulela isitulo sakho esinamavili sombane.
Okwesithathu, kukho ezinye izinto ezininzi ezinokuchaphazela ukunika ingxelo.Ngokomzekelo, abo banezixhobo zokufakelwa okanye ukushukuma okuncitshisiweyo basenokungena kwezinye iindleko, nto leyo ebangela ukuba ukuthenga isitulo esinamavili sombane kube yinto engenakwenzeka.
3. I-Medicare coverage ingaphaya kokuthenga isitulo esinamavili esinamandla.
Ukhuseleko aluphelelanga kwiindleko ezihlawulelwa kwangaphambili.I-Medicare inezikhokelo zokugcina kunye nokulungisa izitulo ezinamavili zamandla xa kuyimfuneko.Ngokomzekelo, ukuba kukho into ephosakeleyo okanye eyonakaliswe ngengozi, unokufaneleka ukuyilungisa phantsi kwe-Medicare coverage.
Kwakhona, ngokuxhomekeke kwiimeko, ezi ntlawulo zinokuhlawulwa ukuba ufuna iindawo ezifakelweyo okanye iibhetri.Inkqubo ye-Medicare inikezela ngeengcali zokugcina ukuqinisekisa ukuba izitulo zisebenza kwimeko ephezulu.
Isishwankathelo, i-Medicare iya kubuyisela iindleko zesitulo esinamavili samandla phantsi kweemeko ezithile.Ngoko ke, kufuneka uqonde iimfuno zonyango zomsebenzisi, iindlela zokufaneleka ze-Medicare, kunye neendleko zenkqubo ye-Medicare eya kuthwala, kubandakanywa ukugcinwa rhoqo kunye nokutshintshwa.
Kuyafaneleka ukuba uqaphele ukuba nangona i-Medicare ingahlawuleli isitulo sabakhubazekileyo samandla, unokuba nezinye iindlela zokunceda ukunciphisa umthwalo wemali.Ngokomzekelo, eminye imibutho kunye nemibutho yesisa inokunikela ngeenkxaso-mali okanye inkxaso yemali.
Ekugqibeleni, ukubeka phambili impilo-ntle yomntu oyisebenzisayo kubalulekile, nokuba kukwenza utyalo-mali kwesona situlo esinamavili sombane sifanelekileyo okanye ngokuphumeza eminye imilinganiselo yokuququzelela ukushukumiseka kunye nomsebenzi.Ukwazi ezi mfuno zisisiseko kuya kukunceda ufumane isitulo esinamavili samandla esifanelekileyo nesomeleleyo kwiimfuno zakho ezizodwa.
Ixesha lokuposa: Apr-21-2023