Nini kwaye njani ukuLirhoxisa iBango leMedicare oLifayile

Umxholo

• Ndilirhoxisa njani ibango le-Medicare endilifayilishe?
• Ngaba ndingajonga imeko yam amabango?
• Ndilifaka njani ifom yebango leMedare?
• Ndiza kulifaka nini ibango ngokwam?
• Ndingasifaka ifayile yesikhalazo ukuba umboneleli akandifayeleli?
• Ngaba kufuneka ndifayile ngeenkonzo endizifumene ngaphandle kwelizwe?
• Ngaba onke amalungu eMedicare andivumela ukuba ndifake amabango am?
• Icandelo lonyango Medic C
• Icandelo leMedare D
• IMedigap
• Ukuthatha

• Ungatsalela umnxeba i-Medicare ukuba urhoxise ibango olifakileyo.
• Ugqirha wakho okanye umboneleli uya kufaka iifayile kuwe.
• Kuya kufuneka ufayilishe ibango lakho ukuba ugqirha wakho akakwazi okanye akakwazi.
• Xa usebenzisa i-Medicare yoqobo, ungafaka amabango ngeenkonzo zeCandelo B okanye iinkonzo zeCandelo A ezifunyenwe kwelinye ilizwe.
• Unako ukufaka amabango eCandelo C, iCandelo D, kunye neMedigap ngesicwangciso sakho ngokuthe ngqo.

Amabango amatyala athunyelwe kwi-Medicare yeenkonzo okanye izixhobo ozifumeneyo. Ngokuqhelekileyo, ugqirha okanye umboneleli wakho uya kufaka iifayile kuwe, kodwa kunokubakho amaxesha apho kuya kufuneka uyifayile ngokwakho. Ukuba ufuna ukurhoxisa ibango olwenzileyo ngokwakho, ungatsalela umnxeba i-Medicare.

Inkqubo yamabango iyahluka ngokuxhomekeka kweliphi icandelo leMedicare oyisebenzisayo. Amabango e-Medicare yoqobo (amacandelo A no-B) aqhutywa ngokwahlukileyo kumabango ezinye iinxalenye zeMedare. Nokuba kwenzeka ntoni, kuya kufuneka ugcwalise ifom yamabango kwaye uthumele ityala lakho.

Ndilirhoxisa njani ibango le-Medicare endilifayilishe?

Unokufuna ukukhansela ibango le-Medicare ukuba uyakholelwa ukuba wenze impazamo. Indlela ekhawulezayo yokurhoxisa ibango kukubiza i-Medicare kwi-800-MEDICARE (800-633-4227).

Xelela ummeli kufuneka urhoxise ibango ozifayilishe ngokwakho. Unokutshintshelwa kwingcali okanye kwisebe lakho lamabango eMedare.

Uya kudinga ukubonelela ngolwazi malunga nawe kunye nebango, kubandakanya:

• igama lakho elipheleleyo
• inombolo yakho yesazisi
• umhla wenkonzo yakho
• iinkcukacha malunga nenkonzo yakho
• isizathu sokuba urhoxise ibango lakho

Kungathatha i-Medicare kwiintsuku ezingama-60 okanye nangaphezulu ukuqhubekeka nebango. Oku kuthetha ukuba ukuba ufowunela kwakamsinya emva kokuba ungenisile, unganakho ukulimisa ibango phambi kokuba lisetyenzwe kwaphela.

Ngaba ndingajonga imeko yam amabango?

Ungajonga imeko yamabango akho ngokusayina kwiakhawunti kwi-MyMedicare. Uya kudinga olu lwazi lulandelayo ukuze ubhalisele i-MyMedicare:

• ifani yakho
• umhla wokuzalwa
• isini sakho
• Ikhowudi yakho yeZIP
• inombolo yakho yesazisi
• umhla owenziwe ngawo isicwangciso sakho seMedicare

Unokufumana inombolo yakho yesazisi seMedicare kwikhadi lakho leMedicare. Nje ukuba une-akhawunti, ungawabona amabango akho kwakamsinya nje ukuba asetyenzwe. Ungabiza iMedicare ukuba ubona naziphi na iimpazamo okanye iimpazamo ngamabango akho.

Unokulinda iMedare ukuba ithumele isaziso sakho sesishwankathelo, esinezibango zakho zeMedicare. Kufuneka usifumane esi saziso qho kwiinyanga ezi-3.

Ndilifaka njani ifom yebango leMedare?

Ukugcwalisa ibango nge-Medicare kunokubonakala kunzima, kodwa unokuyiphatha ngamanyathelo ambalwa. Ukulandela la manyathelo ngokulandelelana kuya kunceda uqiniseke ukuba ibango lakho liqhubekeka yi-Medicare.

Ukufaka ifayile, kufuneka:

1. Tsalela umnxeba kwi-Medicare kwi-800-MEDICARE (800-633-4227) kwaye ubuze umda wexesha lokugcwalisa ibango lenkonzo okanye unikezelo. I-Medicare iya kukwazisa ukuba usenalo ixesha lokwenza ibango kunye nokuba ngubani umhla wokugqibela.
2. Gcwalisa isicelo somguli kwifom yokuhlawula unyango. Le fomu ikwafumaneka ngeSpanish.
3. Hlanganisa amaxwebhu axhasayo kwibango lakho, kubandakanya nomthetho oyilwayo owufumene kugqirha wakho okanye umboneleli ngenkonzo.
4. Qiniseka ukuba amaxwebhu akho axhasayo acacile. Umzekelo, ukuba oogqirha abaninzi badwelisiwe kwityala lakho, biyela ugqirha okunyangileyo. Ukuba kukho izinto kwityala esele ihlawulwe yi-Medicare, zikhuphe.
5. Ukuba unesinye isicwangciso se-inshurensi kunye ne-Medicare, bandakanya ulwazi lwesicwangciso kunye namaxwebhu akho axhasayo.
6. Bhala ileta emfutshane uchaze ukuba kutheni ugcwalisa ibango.
7. Thumela ifom yakho yebango, amaxwebhu axhasayo, kunye neleta kwi-ofisi yakho yonyango. Iidilesi zeofisi nganye zikarhulumente zidwelisiwe kwifom yesicelo sentlawulo.

I-Medicare iya kuthi emva koko isebenze ibango lakho. Kuya kufuneka uvumele ubuncinci iintsuku ezingama-60 zoku. Emva koko, uya kufumana isaziso ngeposi ngesigqibo sikaMedare. Unokujonga kwakhona i-akhawunti yakho ye-MyMedicare ukubona ukuba ibango lakho livunyiwe.

Ndiza kulifaka nini ibango ngokwam?

Ngokubanzi, ugqirha wakho okanye umboneleli ngenkonzo uya kungenisa amabango kwi-Medicare yakho. Ukuba ibango alifakwanga, ungacela ugqirha wakho okanye umboneleli ukuba alifayilishe.

Amabango e-Medicare kufuneka afayilishwe kungaphelanga unyaka emva kwenkonzo oyifumeneyo, nangona kunjalo. Ke, ukuba kuyasondela kumhla obekiweyo kwaye akukho bango lifakiweyo, kuya kufuneka ufake ifayile ngokwakho. Oku kunokwenzeka ngenxa yokuba:

• ugqirha wakho okanye umboneleli akayithathi inxaxheba kwi-Medicare
• ugqirha wakho okanye umboneleli uyala ukufaka ifayile yebango
• Ugqirha okanye umboneleli wakho akakwazi ukufaka ifayile kwibango

Umzekelo, ukuba ufumene ukhathalelo kwiofisi kagqirha evala iinyanga ezimbalwa kamva, kungafuneka ufake ibango lakho kutyelelo.

Ndingasifaka ifayile yesikhalazo ukuba umboneleli akandifayeleli?

Ungasifaka isikhalazo kwi-Medicare ukuba ugqirha wakho uyala ukufaka ifayile egameni lakho. Unokwenza oku ukongeza kwifayilthi ngokwakho. Ungasifaka ifayile yesikhalazo ngokubiza i-Medicare kwaye uchaze imeko.

Khumbula ukuba ukufaka isikhalazo kwi-Medicare akufani nokufaka isibheno. Xa ufaka isibheno, ucela i-Medicare ukuba iphinde iqwalasele ukuhlawula into okanye inkonzo. Xa ufaka isikhalazo, ucela i-Medicare ukuba ijonge kugqirha okanye komnye umboneleli.

Ngaba kufuneka ndifayile ngeenkonzo endizifumene ngaphandle kwelizwe?

Kuya kufuneka ukuba ufake iifayile zakho ukuba ufumene ukhathalelo lwempilo ngelixa ubuphuma ngaphandle kwelizwe. Gcina ukhumbula ukuba i-Medicare iya kugubungela ukhathalelo olufumanayo kumazwe aphesheya kwiimeko ezithile, kubandakanya:

• Usemkhombeni kwaye ungaphaya kweeyure ezi-6 zokuhamba okanye ukufika eMelika. Ukuba ungaphezulu kweeyure ezingama-6 usuka kwizibuko lase-U.S., Imeko yakho yongxamiseko kwezonyango kufuneka ukuba yaqala xa wawusefestileni yeeyure ezi-6. Kuya kufuneka usondele kwizibuko langaphandle nakwisibhedlele kunaleyo iseMelika, kwaye ugqirha omsebenzisayo kufuneka abe nelayisensi epheleleyo kwilizwe langaphandle.
• UseUnited States kwaye unongxamiseko kwezonyango, kodwa esona sibhedlele sikufutshane likwelinye ilizwe.
• Uhlala eUnited States, kodwa esona sibhedlele sikufutshane nekhaya lakho esinokunyanga imeko yakho sikwelinye ilizwe. Umzekelo, unokuhlala kufutshane kakhulu nomda waseCanada okanye waseMexico, kwaye isibhedlele esikufuphi esingaphandle sinokuba kufutshane kakhulu kuwe kunasekhaya.
• Uhamba eCanada usiya okanye usuka eAlaska nakwelinye ilizwe kwaye unengxaki yonyango. Ukuze usebenzise lo mthetho, kufuneka ube kwindlela ethe ngqo phakathi kweAlaska nelinye ilizwe, kwaye isibhedlele saseCanada osithathiweyo kufuneka sisondele kunaso nasiphi na isibhedlele sase-U.S. Kuya kufuneka uhambe ngaphandle kwento iMedicare ekubiza ngokuba "kukulibaziseka okungenangqondo."

Ungangenisa ibango kwi-Medicare ukuba ufumene ukhathalelo kwezi meko zilapha ngasentla.

Landela la manyathelo akhankanyiweyo ngaphambili kwinqaku, kwaye ufake ubungqina bokuba awukwazanga ukunyangwa esibhedlele sase-U.S. Kwifom esemgangathweni, uya kuphawula ukuba umboneleli wakho weenkonzo akazange athathe inxaxheba kwi-Medicare, emva koko uya kunika inkcazo eneenkcukacha kwileta yakho.

Abaxhamli abahamba ngokufuthi banokufuna ukujonga isicwangciso seMedigap okanye isicwangciso seMedicare seNzuzo yaBucala yeNkonzo (). Ezi zicwangciso zinokukunceda ekuhlawuleni iindleko zakho zokhathalelo lwempilo ngelixa uphumile kwilizwe,

Ngaba onke amalungu eMedicare andivumela ukuba ndifake amabango am?

Ngokubanzi, ukuba ufaka ibango lakho, iya kuba yeenkonzo zeCandelo B, ngaphandle kokuba ugcwalisa ukhathalelo lwezibhedlele kwilizwe langaphandle.

I-Medicare yoqobo yenziwe ngamacandelo A kunye no-B. Icandelo A yi-inshurensi yesibhedlele kwaye iCandelo B yinshurensi yezonyango. Icandelo B lihlawulela iinkonzo ezinje ngezixhobo zonyango, ukutyelelwa ngoogqirha, ukuqeshwa ngonyango, ukhuseleko kunye nenkonzo zongxamiseko.

Icandelo A alikhabi ngaphandle kokuba ungeniswe esibhedlele okanye kwiziko okanye ufumana ukhathalelo lwempilo ekhaya. Umzekelo, ukuba undwendwela i-ER, iCandelo B liya kugubungela utyelelo lwakho. Ukuba uye wangeniswa, nangona kunjalo, iCandelo A liyakugubungela ukuhlala kwakho esibhedlele.

Inkqubo yamabango iyafana kuwo omabini amacandelo e-Medicare yoqobo.

• Qinisekisa ukuba uyayifaka ityala lakho.
• Nika nabuphi na ubungqina okanye ulwazi olongezelelekileyo onakho.
• Gcwalisa ifom eneenkcukacha ezininzi kangangoko unakho.
• Ngenisa amabango akho kwisithuba sonyaka wokufumana inkonzo.

Icandelo lonyango Medic C

Awudingi ukufaka amabango akho kwi-Medicare Advantage, ekwabizwa ngokuba yi-Medicare Part C. Izicwangciso ze-Medicare Advantage azisebenzisi amabango kuba i-Medicare ihlawula ezi zicwangciso isixa semali esisetiweyo inyanga nganye ukubonelela. Ngokwesiqhelo awunakufaka ibango lesicwangciso seMedicare.

Ukwahlula kuphela kulo mthetho kunokuba yinto yokuba uphuma kwinethiwekhi ngenkonzo. Ukuba isicwangciso sakho se-Medicare Advantage sikuvumela ukuba ufake iifowuni zamatyala afunyenwe ngaphandle kwenethiwekhi, ulwazi luya kuba kwiinkcukacha zesicwangciso sakho.

Uninzi lwezicwangciso zineefom ezikhoyo kwi-Intanethi okanye ngeposi. Ukuba awuqinisekanga, ungatsalela umnxeba kwikhadi lakho leinshurensi kwaye ubuze. Uya kulifaka ngqo ibango kwisicwangciso sakho seNzuzo.

Icandelo leMedare D

Icandelo lonyango i-Medicare Icandelo D kukugubungela amayeza. Ungayisebenzisa ecaleni kweMedicare yoqobo okanye isicwangciso seNzuzo.

Akunyanzelekanga ukuba ufake ifayile yakho ukuba ugcwalisa imigqaliselo yakho usebenzisa ikhemesti ekwi-network. Kodwa ukuba usebenzisa ikhemesti engaphandle kwenethiwekhi, kuya kufuneka ungenise ibango. Kukho amanye amatyala ambalwa xa unokufuna ukufaka ibango lakho leCandelo D, kubandakanya:

• Unombono wokuhlala esibhedlele kwaye awuvunyelwanga ukuzisa amayeza akho emihla ngemihla. Icandelo le-Medicare Icandelo D linokugubungela la mayeza ngexesha lokuhlala kwakho ukuba ungenisa ibango.
• Ulibale ikhadi lakho lesazisi le-Medicare Part D ngelixa uthenga iyeza. Ukuba ulibale ikhadi lakho kwaye uhlawule ixabiso elipheleleyo kwikhawuntari, ungangenisa ibango kwisicwangciso sakho seCandelo D sokugubungela.

Kanye njengezicwangciso ze-Advantage, amabango kwi-Medicare Part D aya ngqo kwisicwangciso sakho seCandelo D. Unokuhlala ufumana iifom zebango kwiwebhusayithi yesicwangciso sakho okanye ngeposi. Ungatsalela umnxeba isicwangciso sakho sokucela iinkcukacha ezithe kratya malunga nenkqubo yamabango.

IMedigap

Izicwangciso zeMedigap zikunceda uhlawule iindleko eziphuma epokothweni zeMedicare, ezinje ngeentlawulo zeemali ezihlawulwayo kunye nokuncitshiswa. Kwiimeko ezininzi, i-Medicare iya kuthumela amabango ngqo kwisicwangciso sakho seMedigap.

Kodwa ezinye izicwangciso zeMedigap zifuna ukuba wenze amabango akho. Isicwangciso sakho siya kukwazisa ukuba ngaba awufuni kungeniswa ngokwakho okanye hayi.

Ukuba ufuna ukungenisa amabango akho, kuya kufuneka uthumele isaziso sakho sesishwankathelo seMedare ngqo kwisicwangciso sakho seMedigap kunye nebango lakho. Emva kokuba isicwangciso sakho sifumene isishwankathelo, siya kuhlawula ezinye okanye zonke izityholo ezingafakwanga yiMedicare.

Ukuba awuqinisekanga ukuba ungawangenisa njani amabango akho okanye ukuba ufuna ulwazi ngakumbi ngenkqubo, tsalela isicwangciso sakho seMedigap.

Ukuthatha

• Awuyi kufuna ukufaka iifayile zakho zeMedicare kwiinkonzo ezininzi ozifumanayo.
• Ukuba ufuna ukufaka ibango lakho, kuyakufuneka ungenise ulwazi oluninzi malunga nenkonzo kangangoko unako kwi-Medicare, kunye nefom yebango.
• Ungajonga imeko yamabango akho nangaliphi na ixesha kwi-MyMedicare. Ukurhoxisa ibango, ungatsalela umnxeba i-Medicare.
• Kumabango angaphandle kwe-Medicare yoqobo-enje ngeMedigap, iMedicare Icandelo D, okanye iMedicare Advantage - kuya kufuneka uyingenise kwisicwangciso sakho ngokuthe ngqo.