Zininzi izinto ezibangela amaxabiso aphezulu eziyobisi eU.S.Kodwa khuthala, zininzi iindlela zokonga kwiindleko zonyango.
Umthengi onolwazi unokufumana ukonga okubonakalayo kwiindleko zokhathalelo lwempilo ukuba uyazi ukuba ujonge phi. Qala ngale mibono.
Usafuna ukhathalelo lwezonyango nokuba awukhuselwanga. Funda ukuba ungabona njani ugqirha ngaphandle kwe-inshurensi yezempilo kwaye uphephe ukophula ibhanki.
Sebenzisa nasiphi isigqebhezana se-SingleCare (amayeza kagqirha okanye amayeza e-okhawuntaren), kuya kufuneka ufumane amayeza afanelekileyo kuqala. Nantsi indlela esebenza ngayo.
Izicwangciso ze-FSA, i-HRA, kunye ne-HSA ziluncedo xa i-inshurensi yezempilo ingagubungeli zonke iindleko zonyango lwakho. Kodwa yeyiphi eyona ilungileyo? Thelekisa umahluko.
Iiakhawunti zokonga impilo (HSA) zibonelela ngezibonelelo zerhafu kunye nokuguquguquka-kunye nokudityaniswa kwemali ngaphezulu konyaka-unyaka. Okwangoku, ayingabo bonke abantu. Funda i-HSA pros and cons.
Amakhuphoni e-singleCare anokusetyenziswa endaweni ye-inshurensi- hayi ngokudibeneyo nayo. Imbuyekezo yeinshurensi ayiqinisekiswanga, kodwa usenokhetho oluninzi.
Ngaba i-SingleCare yinkohliso? Yinkxalabo eqhelekileyo ngezaphulelo zeRx-kwaye siza kuyithetha kwakhona ngokuvakalayo nangokucacileyo. Singakugcina ukuya kuthi ga kuma-80% kwimigqaliselo, kungabanjiswa.
Unokufikelela kwikhemesti yoku-odola ngeposi ngesicwangciso sakho sempilo. Ukuba awukwenzi oko, usenokhetho lokuhambisa ekhaya. Funda indlela yokuthumela i-Rx yakho elandelayo.
I-singleCare yabelana ngedatha entsha etyhila inani loogqirha abangamadoda kulo lonke elaseMelika xa kuthelekiswa nepesenti yabasetyhini.
Ke, ubone intengiso yethu entsha yeTV. Ngaba unemibuzo? Funda ngendlela i-SingleCare esebenza ngayo ukukunceda uzive ungcono ngaphandle kwamaxabiso aphambeneyo.
Uphando kunye nezibalo kwizizathu zetyala lezonyango lase-U.S., Into abayenzayo abantu ukuhlawula, unyango olubangela ityala, inkcitho yezempilo, kunye neendleko eziphezulu zeenkonzo zonyango.
Utshintsho lwe-2020 Medicare lubandakanya iipremiyamu eziphezulu zeCandelo A kunye no-B kodwa iipremiyamu ezisezantsi zeCandelo C, ukuvala isithuba sokugubungela iCandelo D, kunye nesicwangciso esitsha seMedigap.
Abo babhalise kwi-Medicare Part D bahlala befumana umngcipheko wokuwela emngxunyeni we-Medicare donut. Funda ngendlela onokuyiphepha ngayo i-Medicare gap.
Bonke abarhafi bangabanga iindleko ezithile zonyango ezigqithe ngaphezulu kwe-10% ye-AGI yabo. Funda ukuba zeziphi iindleko zempilo ezitsalwayo kwaye ezingekho.
Unyango olongezelelekileyo lweMedicare lugubungela ezinye (okanye zonke) Icandelo le-Medicare Icandelo D leendleko zesicwangciso seziyobisi. Umyinge uxhomekeke kumvuzo wakho. Fumana indlela yokwenza isicelo apha.
I-Medicare Icandelo D linceda abantu baseMelika abazizigidi ezingama-45 ukuba bonge imali kumayeza amiselweyo, kodwa asimahla. Fumanisa ukuba malini iindleko ze-Medicare Icandelo D kunye nendlela yokonga.
Icandelo lonyango i-Medicare Icandelo D licebo lokuyalela amayeza elinikezelwa ziinkampani zeinshurensi zabucala. Funda ukuba isebenza njani iCandelo D, iziyobisi ezigubungelayo, kunye neendleko zayo.
Ixesha lokubhalisa elivulekileyo leMedicare liqala ngo-Okthobha u-15 kwaye liphela ngoDisemba 7 ngonyaka. Utshintsho lweMedicare lutshintsha minyaka le, ngenxa yoko kuya kufuneka utshintshe izicwangciso.
Ubhaliso oluvulekileyo luza kuphela kube kanye ngonyaka. Ke, kwenzeka ntoni ukuba uyiphosile? Nantsi indlela yokufumana i-inshurensi yezempilo emva kokubhalisa ngokuvulekileyo.