Uma wena noma othandekayo unokuhamba okulinganiselwe, ukutshala imali ku-isihlalo esinamasondo sikagesikungenza umehluko omkhulu.Bangakwazi ukuthuthukisa ukuzimela, bakhuthaze ukuhamba futhi basize ukulawula ubuhlungu.Kodwa-ke, umbuzo omkhulu abantu abavame ukukhathazeka ngawo uthi, "Ingabe iMedicare izozikhokhela izihlalo zabakhubazekile zikagesi?"
Impendulo ayikona ukuthi “yebo” noma “cha” oqondile, kodwa ukwazi lokho okulindele kubalulekile.Uma ucubungula ukufakwa kwe-Medicare kwezihlalo ezinamasondo zamandla, gcina lokhu okulandelayo engqondweni.
1. I-Medicare ingase ikhokhele ukuthengwa kwesihlalo sabakhubazekile esinamandla uma kubonakala kunesidingo ngokwezokwelapha.
I-Centers for Medicare & Medicaid Services (CMS) izogunyaza kuphela ukuthengwa kwezihlalo zabakhubazekile zikagesi ezibhekwa “njengezisetshenziswa zezokwelapha ezihlala isikhathi eside” (DME).Imibandela yokuthi igunyazwe njenge-DME ukuthi iyaphikelela, iyadingeka ukuze isize abantu abanezinkinga zempilo, futhi ayihloselwe ukusetshenziswa ngaphandle kwezinjongo zokwelashwa.
Ukuze isihlalo esinamasondo simbozwe, kufanele futhi sivumelane nesimo sezempilo esiyingqayizivele somsebenzisi noma ukulinganiselwa ngokomzimba.Lokhu kudinga incwadi kadokotela ebhaliwe kanye nokuhlolwa okuphelele kwesimo sezempilo somsebenzisi ngaphambi kokuthenga.
2. Ukufaneleka ukuthola usizo lwe-Medicare akulula.
Uma uzibuza ukuthi ngabe i-Medicare izokhokhela yini isihlalo sabakhubazekile samandla, qaphela ukuthi indlela yokufaneleka iqinile kakhulu.Okokuqala, isiguli kufanele sibe nesifo esixilongwayo esidinga usizo lokuhamba.Kubantu abanomkhawulo wokunyakaza okuncane noma ezinye izinketho ezihlangabezana kangcono nezidingo zabo, isihlalo esinamasondo esinamandla singase singadingeki.
Okwesibili, abahlomuli kufanele babhalise ku-Medicare Part B, ehlanganisa kuphela imishini yezokwelapha ehlala isikhathi eside.Lokhu kusho ukuthi uma ubhalise ku-Medicare Part A, ngeke bakukhokhele isihlalo sabakhubazekile sikagesi.
Okwesithathu, kunenombolo yezinye izici ezingase zibe nomthelela ekubikeni.Ngokwesibonelo, labo abanezinsimbi zokufakelwa noma ukunyakaza okuncishisiwe bangase babhekane nezinye izindleko, okwenza ukuthenga isihlalo esinamasondo sikagesi kube yinto engenakwenzeka.
3. Ukufakwa kwe-Medicare kudlula ukuthenga isihlalo esinamasondo esinamandla.
Ukukhokhelwa akukhawulelwe ezindlekweni ezikhokhelwa ngaphambili.I-Medicare nayo ineziqondiso zokunakekela kanye nokulungisa izihlalo ezinamasondo ezisebenza ngogesi uma kunesidingo.Isibonelo, uma okuthile konakala noma konakaliswe ngengozi, ungase ufaneleke ukuthi kulungiswe ngaphansi kwekhava ye-Medicare.
Futhi, kuye ngezimo, lezi zindleko zingakhokhwa uma udinga izingxenye ezishintshayo noma amabhethri.Uhlelo lwe-Medicare luphinde lunikeze ochwepheshe bezokulungisa ukuze baqinisekise ukuthi izihlalo zisebenza esimweni esiphezulu.
Kafushane, i-Medicare izobuyisela izindleko zesihlalo sabakhubazekile ngaphansi kwezimo ezithile.Ngakho-ke, udinga ukuqonda izidingo zezokwelapha zomsebenzisi, imibandela yokufaneleka ye-Medicare, nokuthi yiziphi izindleko uhlelo lwe-Medicare oluzobhekana nalo, okuhlanganisa ukunakekelwa okuvamile nokushintshwa.
Kubalulekile ukuqaphela ukuthi noma ngabe i-Medicare ingasikhokheli isihlalo sabakhubazekile samandla, ungase ube nezinye izinketho zokusiza ukunciphisa umthwalo wezezimali.Isibonelo, ezinye izinhlangano nezinhlangano ezisiza umphakathi zinganikeza izibonelelo noma usekelo lwezezimali.
Ekugcineni, ukubeka phambili inhlalakahle yomsebenzisi kubalulekile, kungakhathaliseki ukuthi ngokutshala imali esitulweni esinamasondo sikagesi esifaneleka kakhulu noma ngokusebenzisa ezinye izindlela zokwenza kube lula ukuhamba nomsebenzi.Ukwazi lezi zidingo eziyisisekelo kuzokusiza ukuthi uthole isihlalo esinamasondo esinamandla nesiqinile sezidingo zakho ezihlukile.
Isikhathi sokuthumela: Apr-21-2023