Ngaba i-Medicare igubungela ukubethwa ngumkhuhlane?

Inkampani

Ukudubula komkhuhlane kubalulekile ukukhusela impilo yakho ngexesha lokuwa kunye neenyanga zasebusika.

Ixesha lomkhuhlane Ngokwesiqhelo iqala ngo-Novemba kwaye iqhubeke ngo-Epreli. Elona nani liphezulu lamatyala lihlala livela phakathi kukaDisemba noFebruwari. Ixesha lomkhuhlane le-2018-2019 lalingaqhelekanga kuba laqhubeka de kwango-Meyi. Umkhuhlane, obizwa ngokungekho sikweni ngumkhuhlane, ubangela umkhuhlane, ukukhohlela, umqala obuhlungu, intloko ebuhlungu, ukudinwa kunye neentlungu zomzimba.

Kulabo bangaphezulu kweminyaka engama-65 ubudala, umkhuhlane uyingozi kwaye usongela ubomi. Olu luntu lunomngcipheko ophezulu wokufumana iingxaki kumkhuhlane, ngokweZiko loLawulo lweZifo noThintelo ( i-CDC ), ezinokukhokelela esibhedlele nasekubulaweni. Ngexesha le-2018-19 yomkhuhlane, abantu abazizigidi ezingama-42.9 bagula; Abangama-647,000 balaliswa esibhedlele; kwaye kwasweleka abangama-61 200. Iipesenti ezingama-90 zazo zonke izibhedlele ezivela kumkhuhlane zenzeke kubantu abangaphezu kweminyaka engama-65 ubudala, ngokwe-a isifundo senziwe ngokubhaliweyo yiCDC kwaye yapapashwa kwi2019 .

Ukufumana umkhuhlane wonyaka yeyona ndlela yokuthintela umkhuhlane wexesha kunye neengxaki zawo, ngokwe i-CDC . Abanye abantu abafumana umkhuhlane basenokugula; Nangona kunjalo, a Uphando lupapashwe kwi-2018 bafumanise ukuba abantu abafumene umkhuhlane emva kokufumana iyeza lokugonya baneempawu ezinobungozi kwaye bancitshisiwe umngcipheko wokulaliswa esibhedlele.

Kulawo aneminyaka engaphezulu kwama-65, abo banezigulo zonyango, ezinjengesifo seswekile okanye i-asthma, banamajoni omzimba abuthathaka, umzekelo ovela kwikhemotherapy, okanye ahlala kwikhaya labantu abalupheleyo, oogqirha kufuneka baziswe ngeempawu zomkhuhlane, ezinje ngomkhuhlane, ukugodola, iintloko kunye neentlungu zomzimba, utsho Ishani Ganguli , MD, unjingalwazi oncedisayo kwezonyango eHarvard Medical School. Kukwabalulekile ukufuna uncedo lwezonyango lweempawu ezinzima, ezinje ngomkhuhlane ongaphezulu kwe-104 [iidigri], ingxaki yokuphefumla kunye nokudideka.

Ezinxulumene: Umkhuhlane udubule iziphumo ebezingalindelekanga

Ngaba i-Medicare igubungela ukubethwa ngumkhuhlane?

Ukuba uneminyaka engama-65 okanye ngaphezulu, unelungelo lokufumana i-Medicare, kwaye ngethamsanqa, i-Medicare igubungela ukubethwa ngumkhuhlane. Nangona kunjalo, ayizizo zonke iinkqubo zeMedicare ezibandakanya simahla ukudubula komkhuhlane. I-Medicare Icandelo B kunye no-C (iziCwangciso ze-Medicare Advantage) zigubungela iindleko ezipheleleyo zomkhuhlane xa usebenzisa ikhemesti okanye umboneleli wezempilo owamkela iintlawulo zeMedare. Xa usebenzisa umboneleli wezempilo okokuqala ngqa, tsalela umnxeba phambili ukuqinisekisa ukuba bayazamkela izabelo zeMedicare.

Uyifumana njani i-Medicare yokugubungela umkhuhlane

Kukho iindawo ezininzi zeMedare, ngokwe Amaziko eMedicare kunye neeNkonzo zeMedicaid . Kungcono ufunde ukuba icandelo ngalinye ligubungela ntoni kwaye yeyiphi eyona ilunge kakhulu kuwe.

Icandelo leMedicare A ligubungela ukuhlala esibhedlele-umkhuhlane awufakwanga

Icandelo leMedicare A ligubungela ukulaliswa esibhedlele, amaziko ononophelo abanezakhono, abaguli abagulela ukufa kunye nokhathalelo lwempilo ekhaya. Ayigubungeli umkhuhlane.

Kusimahla kubantu abafanelekileyo abaneminyaka engama-65 okanye ngaphezulu. Ngokubanzi, ukuba wena okanye iqabane lakho nihlawule irhafu ye-Medicare iminyaka eli-10 ubuncinci, eli nxalenye leMedicare lisimahla. Ungasayinela oku ukuqala kwiinyanga ezintathu ngaphambi kokuzalwa kwakho kwama-65. Ukuba ubusoloko ufumana izibonelelo zokhuselo loluntu ngaphambi kokuzalwa kwakho kwama-65, ubhalise ngokuzenzekelayo kwiCandelo A. Ngaphandle koko, kuya kufuneka ubhalisele i-intanethi okanye iofisi yokhuseleko kwezentlalo.

Icandelo leMedicare B ligubungela iinkonzo zokuthintela, kubandakanya ukubethwa ngumkhuhlane

Icandelo leMedicare B yinshurensi yakho yezonyango. Ibandakanya iinkonzo zothintelo, njengomkhuhlane. I-Medicare ihlawula ifoto enye ngexesha ngalinye kodwa inokugubungela umzuzwana ukuba kunyanzelekile ngokwezonyango. Ukufakwa kwe-Medicare kubandakanya ukubethwa ngumkhuhlane okuvunywe yi-United States yokutya kunye noLawulo lweeDrug (i-FDA) kubantu abangaphezulu kweminyaka engama-65.

Uhlobo lomkhuhlane	Igama lebrand	Ukhethe i-65 +?	Fumana isigqebhezana
Idosi ephezulu yesine	IFluzone	Ewe	Fumana isigqebhezana
Ichiza lokuThintela umkhuhlane	Ulwelo	Ewe	Fumana isigqebhezana
Idosi esemgangathweni isibhamu esine-quadrivalent	Afluria Quadrivalent	Hayi	Fumana isigqebhezana
IFluarix Quadrivalent	Hayi	Fumana isigqebhezana
IFluLaval Quadrivalent	Hayi	Fumana isigqebhezana
IFluzone Quadrivalent	Hayi	Fumana isigqebhezana
Umkhuhlane osuselwe kwiselfowuni	IFlucelvax Quadrivalent	Hayi	Fumana isigqebhezana
Umkhuhlane ophindaphindiweyo ophindwe kabini	IFlublok Quadrivalent	Hayi	Fumana isigqebhezana

I-Medicare ayigubungeli izitofu zokuthintela umkhuhlane ngeempumlo, njengoko i-FDA ingakhange ivume kweli qela leminyaka.

I-Medicare Icandelo B likwagubungela ixesha lokugonya i-H1N1 swine flu, iyeza lokugonya i-pneumococcal, kunye ne-hepatitis B shots kubantu abathathwa njengabasemngciphekweni omkhulu.

Icandelo B likwaquka nezibhengezo ezithile ukuba zinxulumene nonyango lokugula okanye ukonzakala. Umzekelo, ukuba ugqirha uphatha ukwenzakala nge-tetanus shot.

Icandelo B linokuzikhethela, kwaye abanye abantu abane-inshurensi yomqeshi, nokuba ngabo okanye abatshatileyo, banokukhetha ukuyigcina i-inshurensi kwaye babhalisele iCandelo B kamva. Ungayibhalisela oku ngexesha lokubhalisa kwakho okokuqala, ngokufanayo neCandelo A. Ungasayinela ukuya kuthi ga kwiinyanga ezisibhozo emva kokuba uyeke ukusebenza okanye ulahlekelwe kukuhlawulwa kwe-inshurensi. Ukuba ukhetha ukungabhaliseli iCandelo B kodwa ulungele ukwenza njalo, kuya kufuneka uhlawule isohlwayo sokubhaliswa kade.

Icandelo leMedicare C libandakanya iiCandelo A kunye no-B-ukudubula komkhuhlane kubandakanya

Izicwangciso zeMedare yeCandelo C zibonelela ngezibonelelo zeCandelo A kunye no-B. Ngezibonelelo zeCandelo B ezibandakanyiweyo, i-Medicare Part C igubungela ukubethwa ngumkhuhlane. Ezinye izicwangciso zeCandelo C zikwabandakanya ukugubungela amayeza amiselweyo, ngokubanzi egutyungelwe phantsi kweCandelo leMedicare D. Uya kubhalisela oku ngexesha lokubhalisa.

Icandelo leMedicare D ligubungela imigqaliselo kunye nezinye izitofu onokuzifuna

Icandelo le-Medicare ICandelo lesicwangciso sokukhetha amayeza. Izicwangciso ziyahluka kwiikopayments, kwi-coinsurance, kwi-deductibles, nakwi-drug coverage. Ezi zicwangciso zigubungela ezinye izitofu-ngaphandle komkhuhlane-xa kufanelekile kwaye ziyimfuneko kwezonyango. Izitofu zokugonya eziqhelekileyo ezigutyungelwe iCandelo D zibandakanya:

• Ugonyo lweShingles: Zonke izicwangciso zeCandelo D kufuneka zigubungele isitofu sokugonya. Zimbini iintlobo zokugonywa kwe-FDA evunyiweyo. I-Zostavax (zoster) kunye ne-Shingrix (i-zoster recombinant zoster) . Ugonyo lwe-Shingrix lufumaneka ukusukela ngo-2017 kwaye lunyango lwe-shingles olukhethwayo.
• Isitofu sokugonya i-Tdap se-tetanus, diphtheria, kunye ne-pertussis (ekwabizwa ngokuba kukukhohlela)
• Isitofu sokugonya seMMR (imasisi, uqwilikana, irubella)
• Isitofu sokugonya se-BCG sesifo sephepha
• Izitofu zokugonya zeMeningococcal
• IHepatitis A kwaye hepatitis B izitofu zokugonya abantu abajongwa njengomngcipheko omkhulu

Ezinxulumene: Amachiza okuthathela ingqalelo xa ugqiba i-50

Isixa ohlawulela isitofu sakho sokugonya sinokuhluka ngokuxhomekeke kwindawo ogonyo kuyo. Qiniseka ukuba ujonga imigaqo yokugubungela isicwangciso sakho kwaye ubone ukuba ungalufumana phi ugonyo ngexabiso eliphantsi, utshilo uGail Trauco, RN, BSN-OCN, ummeli wesigulana kunye nomseki Ibhili yezoNyango 911 . Ngokwesiqhelo, uya kuhlawula ubuncinci kugonyo lwakho kwii-pharmacy ezikwi-network okanye kwiofisi kagqirha ehambelana nekhemesti ukuhlawulisa isicwangciso sakho seCandelo D sesiyobisi kunye nenaliti.

Ukubhalisa kwizicwangciso zeMedicare, thetha nearhente yeinshurensi yezempilo, ubuze kwiofisi yoKhuseleko lweNtlalo, okanye undwendwele amayeza.gov. Nangona iCandelo A simahla kwabo bafanelekayo, uya kuhlawula ipremiyamu yenyanga ngeCandelo B, C, no-D.

Kukwakho nezicwangciso zeinshurensi yokuxhasa iMedicare, ebizwa ngokuba kukugubungela iMedigap, enikezelwa ziinkampani zabucala. Ezi zicwangciso zisebenza kunye neMedicare yakho yoqobo (Icandelo A kunye no-B) kwaye zinokunceda ukuhlawulela ukukhutshwa kunye nokuqinisekiswa kwemali. Kukho iintlobo ezahlukeneyo zezicwangciso zokuncedisa kwi-Medicare ngoko kubalulekile ukuba unqume ukuba yeyiphi efanelekileyo kuwe. Iarhente yeinshurensi egxile ekusebenzeni nabantu abadala inokukunika ulwazi ngezicwangciso ezahlukeneyo.

Ngaba ukubethwa ngumkhuhlane simahla kubantu abadala?

Kubantu abadala abane-Medicare Part B okanye i-C, umkhuhlane omnye owenziwa ngonyaka ukhululekile. Abanye abantu abadala, nangona kunjalo, abanazo ezi zicwangciso zeMedare kwaye banokufuna ukuhlawula epokothweni ngenxa yomkhuhlane.

Ngaphandle kwe-Medicare, Medicaid, okanye enye i-inshurensi yezempilo, indleko zeFluad okanye iFluzone High-Dose zinokuvela kwi-139 yeedola ukuya kwi-160 yeedola ngokuxhomekeke kwikhemesti yakho. Ezinye iikhemesti zibonelela ngabantu abadala malunga ne- $ 70. Unokujonga kwakhona kwiziko lakho eliphambili okanye kwisebe lezempilo ukuze ufumanise ukuba kukho naziphi na iindawo kwindawo yakho ukuqhuma komkhuhlane simahla kubantu abangenayo i-inshurensi.

Unokufumana amaxabiso athotyiweyo usebenzisa amatikiti avela kwi-SingleCare. Khangela i-Fluad okanye i-Fluzone High-Dose kwi-singlecare.com okanye kwi-app ye-SingleCare.