Isikhokelo sakho kubhaliso oluvulekileyo lweMedicare
InkampaniUbhaliso oluvulekileyo lixesha lokhathalelo lwempilo olubhekisa kwixesha lonyaka ngamnye xa ukwazi ukubhalisa entsha, okanye utshintshe isicwangciso seinshurensi yezempilo esele ikho.
Ungaqala bhalisa kwi-Medicare ixesha leenyanga ezisixhenxe ukuqala kwiinyanga ezintathu ngaphambi kokuzalwa kwakho kwama-65, okanye ixesha elimiselweyo emva kokuba kufanelekile ekukhubazekeni. Okanye, ukuba usebenza ngaphezu kweminyaka engama-65, unenyanga engama-8 yobhaliso olukhethekileyo emva kokushiya isicwangciso esixhaswe ngumqeshi wakho. La maxesha mabini obhaliso lweMedicare ahlukile kunokubhaliswa okuvulekileyo kweMedicare.
Lukhona nini ubhaliso oluvulekileyo lwamayeza?
Ukubhaliswa okuvulekileyo kweMedicare kwenzeka phakathi Nge-15 ka-Okthobha ukuya Nge-7 kaDisemba ngonyaka. Ukugubungela i-Medicare yakho entsha kuya kuqala ngoJanuwari 1 kunyaka olandelayo.
Ixesha lenzelwe ukukunika ixesha elininzi lokukhetha isicwangciso esifanelekileyo, ngelixa uqinisekisa ukuba ababhalisile banamakhadi abo obulungu asezandleni ngexesha lokuqala kwezicwangciso ezintsha.
Yiphawule kwisicwangcisi sakho, okanye usete umcimbi wekhalenda kaGoogle ophindaphindiweyo. Imihla ayitshintshi unyaka nonyaka.
Lithini ixesha lokubhalisa elivulekileyo lonyango?
Izicwangciso zeMedare ziyatshintsha unyaka nonyaka. Oko kuthetha ukuba oogqirha kunye neekhemesti zibandakanyiwe kwinethiwekhi, okanye iindleko zokugubungela impilo zinokwahluka. Kwaye ke neemeko zakho zobuqu. Mhlawumbi unemeko entsha yempilo eza nonyango olutsha, kwaye oku kuguqula isicwangciso sakho sokuyalela. Okanye, mhlawumbi uye wahlinzwa kutshanje, kwaye ukubuyela kwimeko yesiqhelo kufuna iingcali ezintsha ezingaphandle kwesigubungelo sakho. Mhlawumbi, unesicwangciso seenkwenkwezi ezi-2, kwaye uye waqonda ukuba ufuna ukuphucula kwisicwangciso seenkwenkwezi ezi-5.
Unyaka nonyaka, Icandelo D iziyobisi kunye nezicwangciso zeMedicare Advantage zinokutshintsha izinto ezininzi malunga nokugubungela, ucacisa uDiane Omdahl,umongameli kunye nomsunguli we 65 Ifakiwe , Inkonzo yesikhokelo seMedare. Uyaqhubeka,Utshintsho olunokwenzeka kwiCandelo D lokugubungela iziyobisi kubandakanya:
- ipremiyamu
- ifomula yayo
- kwinqanaba leyeza
- kutsalwa imali yonyaka
- Iikopayments okanye i-coinsurance
- Imithetho yokugubungela (unyango lwenyathelo, ugunyaziso lwangaphambili)
- uthungelwano ezikhemesti
- Ukulinganiswa kweenkwenkwezi
U-Omdahl ucacisa ukuba izicwangciso ze-Medicare Advantage zinokutshintsha iinkcukacha malunga nokugubungela izibonelelo zezempilo, kubandakanya:
- intlawulo yanyanga le
- umda wonyaka wenkcitho epokothweni
- uxhuzulo lwezonyango lonyaka
- iindleko zokuphuma epokothweni (iikopayments, ukuqinisekiswa kwemali, iindleko zeziyobisi)
- uthungelwano lwababoneleli
- Ukulinganiswa kweenkwenkwezi (umgangatho)
- izibonelelo ozikhethelayo, ezinje ngombono okanye ukogquma amazinyo
Ubhaliso oluvulekileyo lixesha lokwenza uhlengahlengiso ukuze i-inshurensi yakho ibonakalise imeko yakho yangoku. Ungatshintsha ukusuka kwi-Medicare yoqobo ukuya kwi-Medicare Advantage, utshintshe izicwangciso ze-Medicare Advantage, okanye ubhalise entsha okanye utshintshe isicwangciso esele sikhona se-Medicare Part D.
Ezinxulumene: Ndingayisebenzisa i-SingleCare ukuba ndikwi-Medicare?
Wazi njani ukuba ufuna ukutshintsha izicwangciso zeMedare?
Kuhlala kungumbono olungileyo ukuphonononga izixhobo ezithunyelwa sisicwangciso sakho sangoku ukuze uqiniseke ukuba akukho lutshintsho lusebenzayo kuwe, njengeUbungqina boKhuseleko (i-EOC) kunye neSaziso soTshintsho soNyaka (ANOC). Ukuba ukwenzile oko, kwaye wonwabile kukugubungela okanye iimfuno zakho azitshintshanga, akukho mfuneko yokuba wenze nantoni na ngexesha lobhaliso oluvulekileyo.
Ukuba isicwangciso sakho siyapheliswa, kuya kufuneka ufumane isaziso esingahlaziyiyo nge-2 ka-Okthobha kumphathi wakho.
Zeziphi izicwangciso zonyango ezikhoyo?
Ungaqala ukuphonononga ukhetho lwesicwangciso sobhaliso oluvulekileyo ngo-Okthobha 1. Kukho into entsha Isifumani seMedicare Isixhobo se2020, ke ngaphandle kokuba ukhetha ukusebenzisa isixhobo esidala, indawo iya kujongeka yahlukile kancinci. Ezinye zezicwangciso zibandakanya:
- Isicwangciso seMedigap
- Umgaqo-nkqubo weMedigap
- Icandelo lezaMayeza A
- Icandelo leMedare B
- Isiqendu seBakala B
- Icandelo lonyango Medic C
- Isicwangciso sokongeza amayeza
Unokuqhathanisa ukhetho lokutyelela ngokutyelela Unyango.gov okanye utsalele umnxeba kwi-1-800-MEDICARE. Unokuthi iarhente nangaliphi na ixesha ukuze uthethe nommeli. Okanye, ukuba awuqinisekanga ukuba wenzeni, kunokubakho umbutho wamavolontiya , njenge Inqanawa , ekuhlaleni kwakho okunceda abantu abadala ukuba babhalise kwesona sicwangciso seMedicare.
Ngaba ukubhaliswa okuvulekileyo kwi-Medicare kuyafana nokubhaliswa okuvulekileyo kwe-ACA?
Indawo yentengiso yeZicwangciso zoKhathalelo lweZempilo ezinokufikeleleka nayo inexesha lokubhalisa elivulekileyo. Ezi zicwangciso zezempilo zenzelwe abantu abangaphantsi okanye abangaqinisekiswanga, kwaye ngokubanzi ayingabo abantu abakulungeleyo ukufumana unyango.
Kuthekani ukuba ulahlekelwa lubhaliso lokuqala okanye oluvulekileyo?
Ukuba awuzange ubhalisele i-Medicare ngexesha lakho lokuqala lokubhalisa kwaye awulifanelanga ixesha lokubhalisa elikhethekileyo, ungabhalisa ngexesha ixesha lokubhalisa ngokubanzi ukusukela nge-1 kaJanuwari ukuya kwi-Matshi 31 minyaka le, nangona unokuhlawula isohlwayo okanye iipremiyamu eziphezulu ngokubhaliswa kade.
Ukusukela ngo-2019, ungatshintsha ukusuka kwi-Medicare Advantage uye kwi-Medicare yoqobo okanye utshintshele kwisicwangciso esahlukileyo se-Medicare Advantage ngeli xesha.