Ndiyihlawula njani iMedicare?

Umxholo

• Ushwankathelo
• Ngubani ofanelekileyo kwi-Medicare coverage?
• Ixabisa malini isicwangciso ngasinye?
• Icandelo le-Medicare Icandelo-Ukolaliswa esibhedlele
• Unyango lwe-Medicare Icandelo B -Ukundwendwela kwezonyango / kugqirha
• I-Medicare Icandelo C-izicwangciso eziluncedo (isibhedlele, ugqirha, kunye nonyango)
• Icandelo le-Medicare Icandelo D-Amachiza amiselweyo
• Unokuzinciphisa njani iindleko zeMedare?

Ushwankathelo

Ukuba ucinga ngokuthatha umhlala-phantsi, ngekhe uqale ngokucwangcisa kwangoko kakhulu. Kungcono ukuqala ukucwangcisa ubuncinci iinyanga ezi-3 ngaphambi kokuba ube neminyaka engama-65. Oku kuya kukunceda uthathe isigqibo esifanelekileyo kwaye uphephe izohlwayo zokuphosa ixesha lokubhalisa.

Ngubani ofanelekileyo kwi-Medicare coverage?

Ukuba usondela kwi-65 okanye sele uneminyaka engama-65 okanye ngaphezulu, kuya kufuneka uphendule imibuzo embalwa esisiseko:

• Ngaba ungummi waseU.S okanye umhlali wasemthethweni?
• Ngaba ukhe wahlala e-United States iminyaka emihlanu ubuncinci?
• Ngaba usebenze ubuncinci iminyaka elishumi kwingqesho egutyungelwe nguMedicare okanye wenze igalelo elilinganayo ngerhafu yokuziqesha?

Ukuba uphendule ngo-ewe kuyo yonke le mibuzo, ufanelekile ukubhalisa kwi-Medicare. Ukuba awuhlangabezani nezi khrayitheriya, usengabhalisa kwiMedicare kodwa kuya kufuneka uhlawule ipremiyamu yenyanga.

Kwabaninzi abantu, i-Medicare Part A (ukulaliswa esibhedlele) iya kubonelelwa kuwe ngaphandle kwentlawulo. I-Medicare Icandelo B (ukutyelelwa ngugqirha / ukhathalelo lonyango) lwesicwangciso seMveli sonyango sisicwangciso esonyuliweyo.

Uya kuhlawula ipremiyamu inyanga nenyanga kwiCandelo leMedare B. Ukuba ufumana ukhuseleko lwezeNtlalontle, iBhodi yoMhlala-phantsi yoLoliwe, okanye izibonelelo zeOfisi yoLawulo lwaBasebenzi, ipremiyamu yakho yeCandelo B iya kutsalwa ngokuzenzekelayo kwintlawulo yakho yesibonelelo. Ukuba awufumani ezi ntlawulo zezibonelelo, uyakufumana ityala.

Ukuba unomdla kwi-Medicare Advantage Plans (indibaniselwano yokugubungela) nokuba kungabhaliswa okokuqala okanye utshintsho kwincwadi, unezinto ezininzi ekufuneka uziqwalasele. Isitshixo kukujonga isicwangciso esihlangabezana nazo zonke iimfuno zakho kwaye singena kuhlahlo-lwabiwo mali lwakho.

Uya kuhlawula iipremiyamu eziphezulu zenyanga ngokutshintshela iindleko eziphantsi zokuphuma epokothweni. Kwiimeko ezininzi, kuya kubakho ukuncitshiswa kunye nokukhutshelwa kweenkonzo ezininzi zonyango, iimveliso kunye neenkqubo. Ukuba ukhetha i-Medicare Plan D (iyeza), uya kuhlawula nepremiyamu yenyanga.

Ixabisa malini isicwangciso ngasinye?

Isicwangciso ngasinye seMedicare sineminikelo eyahlukeneyo kunye neendleko ezahlukeneyo. Nanku ukujonga kwiindleko ezinxulumene nesicwangciso ngasinye, kubandakanya iipremiyamu, iikopi kunye neendleko zokuphuma epokothweni.

Icandelo le-Medicare Icandelo-Ukolaliswa esibhedlele

Uninzi lwabantu, iCandelo A liya kunikwa lona ngaphandle kwentlawulo. Ukuba ufuna ukuthenga iCandelo A, uya kuhlawula ukuya kuthi ga kwi-437 yeedola inyanga nenyanga.

Imali exhuzulwayo eyi- $ 1,364 kufuneka ihlawulwe ngumnini-polisi (wena) ngexesha ngalinye lesibonelelo.

Iikopyments zisekwe kwinani leentsuku zokulaliswa esibhedlele.

Imirhumo yokubhalisa emva kwexesha inokulingana neepesenti ezili-10 zesixa sakho sepremiyamu. Imirhumo ihlawulwa kabini kwinani leminyaka ungabhalisanga.

Akukho mali iphuma epokothweni yemali oyihlawulayo.

Unyango lwe-Medicare Icandelo B -Ukundwendwela kwezonyango / kugqirha

Uninzi lwabantu luhlawula i-135.30 yeedola inyanga nenyanga. Abanye abakumgangatho ophezulu wokufumana umvuzo bahlawula ngaphezulu.

Inokutsalwa idola eyi- $ 185 ngonyaka. Emva kokuba i-deductible idibeneyo, uhlawula iipesenti ezingama-20 zeendleko zeenkonzo.

Ungalindela ukuhlawula:

• $ 0 yeenkonzo ezivunyiweyo zeelebhu
• $ 0 yeenkonzo zonyango lwasekhaya
• Iipesenti ezingama-20 zemali evunyiweyo ye-Medicare yezixhobo zonyango ezizinzileyo, ezifana nokuhambahamba, isitulo esinamavili, okanye isibhedlele esibhedlele
• Iipesenti ezingama-20 zeenkonzo zonyango lwezigulo zengqondo
• Iipesenti ezingama-20 zeenkonzo zesibhedlele ezingalaliswayo

Imirhumo yokubhalisa emva kwexesha inokulingana neepesenti ezili-10 zesixa sakho sepremiyamu. Imirhumo ihlawulwa kabini kwinani leminyaka ungabhalisanga.

Akukho mali iphuma epokothweni yemali oyihlawulayo.

I-Medicare Icandelo C-izicwangciso eziluncedo (isibhedlele, ugqirha, kunye nonyango)

Iiprimiyamu zenyanga zeCandelo C ziyahluka ngokuxhomekeke kumvuzo wakho oxeliweyo kangangeminyaka emibini, ukhetho lwenzuzo, kunye nesicwangciso uqobo.

Imali oyihlawulayo kwiCandelo C echithwayo, ii-copayments kunye ne-coinsurance iyahluka ngesicwangciso.

NjengeMedical Medicare, iziCwangciso zeAdvantage zikwenza uhlawule inxenye yeendleko zeenkonzo zonyango ezigqunyiweyo. Isabelo sakho kwityala sisusela kwiipesenti ezingama-20 ukuya kuma-40 eepesenti okanye nangaphezulu, kuxhomekeke kuncedo olufumanayo.

Zonke iziCwangciso zeAdvantage zinomda wonyaka kwiindleko zakho zokuphuma epokothweni zeenkonzo zonyango. Umyinge ophakathi epokothweni umda ngokwesiqhelo uvela kwi- $ 3,000 ukuya kwi- $ 4,000.Ngo-2019, umda ophezulu ophuma epokothweni yi- $ 6,700.

Ngezicwangciso ezininzi, nje ukuba ufikelele kulo mda, awuyi kuhlawula nto ngeenkonzo ezigutyungelweyo. Naliphi na i-premium yenyanga oyihlawulayo kwi-Medicare Advantage cover ayibaleli kwisicwangciso sakho sangaphandle.

Naziphi na iindleko ezihlawulelwa ukugqunywa ngamayeza onyango lwangaphandle (Icandelo D) azisebenzi kubungakanani bakho bepokotho.

Icandelo le-Medicare Icandelo D-Amachiza amiselweyo

Iiprimiyamu zanyanga zonke zeCandelo D ziyahluka ngokwendlela oyikhethayo nakwingingqi yelizwe ohlala kulo. Zingaqala kwi- $ 10 ukuya kwi-100 leedola ngenyanga. Iintlawulo zanyanga le zisenokuba phezulu ngokuxhomekeke kumvuzo wakho oxeliweyo iminyaka emibini ngaphambi kokuba ubhalise.

Imali oyihlawulayo kwiCandelo D lonyaka olitsalekayo alinakuba ngaphezulu kwe- $ 360.

Emva kokuba ufikelele kwisixa esichazwe kwangaphambili kwiikopi, ufikelele kwisithuba sokugubungela, esikwabizwa ngokuba yi "hole donut". Ngokuya kwiwebhusayithi ye-Medicare ye-2019, nje ukuba wena kunye nesicwangciso sakho nisebenzise i-3,820 yeedola kwiziyobisi ezigutyungelweyo, nikwisikhewu sokuhlanganisa. Esi sixa sinokutshintsha unyaka nonyaka. Ukongeza, abantu abakulungeleyo ukufumana uncedo olongezelelweyo ukuhlawula iindleko zeCandelo D, abangeni kwisikhewu.

Ngexesha lesithuba sokugubungela, uya kuhlawula iipesenti ezingama-25 kuninzi lweziyobisi ezinamagama, kunye neepesenti ezingama-63 zamachiza enziwe afana nalawo enziwa ngumenzi. Ukuba unesicwangciso seMedicare esibandakanya ukugubungela umsantsa, unokufumana isaphulelo esongezelelweyo emva kokuba ingxelo yakho isetyenzisiwe kwixabiso leziyobisi. Cofa apha ukuze ufumane ulwazi oluhlaziyiweyo kwisithuba sokugubungela.

Nje ukuba uchithe i-5, 100 $ epokothweni, uphumile kwisithuba sokugubungela kwaye ngokuzenzekelayo ungene kwinto ebizwa ngokuba "kukugubungela intlekele." Xa ukwi-coverage eyintlekele, udlala kuphela isixa semali esincinci se-coinsurance (ukukhuphela) iziyobisi ezigqunyiweyo unyaka wonke.

Imirhumo yokubhalisa emva kwexesha inokulingana neepesenti ezili-10 zesixa sakho sepremiyamu. Imirhumo ihlawulwa kabini kwinani leminyaka ungabhalisanga.

Unokuzinciphisa njani iindleko zeMedare?

Qinisekisa ukuba uyabhalisa ngexesha lakho elifunekayo ukunqanda isohlwayo esinokwenzeka, kwaye ukhethe kuphela ingxelo ocinga ukuba uya kuyisebenzisa. Ukuba uthatha amayeza ambalwa amiselweyo okanye uthatha iziyobisi ngexabiso eliphantsi, awunakufuna ukuthenga ukugubungela iziyobisi.

Nokuba ukhetha isicwangciso sokuyalela amayeza okanye hayi, ukubuza iinguqulelo eziqhelekileyo zohlobo lweeyeza kungakusindisa nemali.

Ezinye iinkqubo ngeMedicare zinokukunceda uhlawulele iipremiyamu zakho. Ukulungela iinkqubo, kuya kufuneka:

• kufanelekile kwiCandelo A
• ube nengeniso elingana okanye engaphantsi kweyona mali iphezulu ngokwenkqubo
• abe nemithombo encinci

Iinkqubo ezintlanu ezikhoyo ngoku:

• Inkqubo eyiMfanelo yokufumana iMedicare (QMB)
• Iinkqubo ezichaziweyo zeNgeniso ePhantsi yezaMayeza (i-SLMB)
• Inkqubo eQinisekisiweyo yomntu ngamnye (QI)
• Inkqubo yaBasebenzi abaKhubazekileyo abaFanelekileyo (i-QDWI)
• Inkqubo yoNcedo eyongezelelekileyo yamayeza kagqirha (Icandelo le-Medicare D)

Ezi nkqubo zinokukunceda uhlawulele iiprimiyamu zeCandelo A kunye neCandelo B, kunye nezinye iindleko ezinje ngokutsalwa kwemali, ukuqinisekiswa kwemali kunye neentlawulo ezikhutshelweyo.