Iindlela ezili-10 onokuziGcina kwiiNyanga zakho zeNyango ngo-2021

Umxholo

• 1. Bhalisa kwangexesha
• 2. Fumanisa ukuba uyakufanelekela na ukungahlawuliswa i-Part A
• 3. Xela xa umvuzo wakho uyehla
• 4. Cinga ngeMedicare Advantage
• 5. Thenga ujikeleze
• 6. Jonga kwiMedicaid
• 7. Faka isicelo senkqubo yokonga iMedare
• 8. Fumana Uncedo Olongezelelweyo ngeMedicare
• 9. Jonga ukuba ilizwe lakho lineNkqubo yoNcedo lwaMayeza kaRhulumente
• 10. Phanda iinkqubo ezongezelelweyo zikarhulumente
• Ukuthatha

• Ukubhalisa ngexesha, ukunika ingxelo ngeenguqu kwingeniso, kunye nokuthenga malunga nezicwangciso kunokunceda ukunciphisa iipremiyamu zakho zeMedicare.
• Iinkqubo ezinje ngeMedicaid, izicwangciso zokonga iMedare, kunye noNcedo olongezelelweyo zinokukunceda ekuhlawuleni iindleko zakho zokhathalelo lwempilo.
• Ilizwe ngalinye linokuba nazo iinkqubo zokunceda ukugubungela eziiindleko.

Kuxhomekeka ekubeni leliphi icandelo okanye isicwangciso osikhethayo, unokuba nentlawulo yenyanga. Iindleko zezi ziqendu zongezwa.

Ngapha koko, kuqikelelwa ukuba ikota yabo bonke abantu abane-Medicare bachitha iipesenti ezingama-20 okanye nangaphezulu zomvuzo wabo kwiipremiyamu kunye nezinye iinkonzo zonyango ezingafunyanwanga.

Nangona kunjalo, kukho iindlela ezininzi zokunceda ukugcina iipremiyamu zakho zeMedicare. Qhubeka ufunda ukuze ufunde ngeendlela ezili-10 onokuzisebenzisa ukugcina iindleko zakho ziphantsi.

1. Bhalisa kwangexesha

Abantu abaninzi babhalise ngokuzenzekelayo kwi-Medicare yoqobo (Icandelo A kunye neCandelo B). Nangona kunjalo, abanye kufuneka babhalise.

Ixesha lokuqala lokuba ubhalise kwi-Medicare lixesha lakho lokuqala lokubhalisa. Eli lixesha leenyanga ezisixhenxe ezenziwe kwinyanga oguqula ngayo iminyaka engama-65, kunye neenyanga ezi-3 ngaphambili nasemva.

Amanye amalungu eMedicare anezohlwayo zokubhaliswa kade. Oku kuthetha ukuba kungafuneka uhlawule ngaphezulu kwipremiyamu yakho yenyanga ukuba awubhalisi xa uvumelekile okokuqala.

Nazi izohlwayo zobhaliso emva kwexesha njengoko zisebenza kwiindawo ezahlukeneyo zeMedicare:

• Icandelo A. Intlawulo yakho yanyanga le inganyuka ukuya kuthi ga kwiipesenti ezili-10. Uya kuyibhatala le nyuselo inyusiweyo kabini kwinani leminyaka onokuthi ubhalise ngalo kwiCandelo A kodwa akwenza njalo.
• Icandelo B. Intlawulo yakho yanyanga zonke inokunyuka nge-10 leepesenti kumgangatho osemgangathweni wesiGaba B kwisithuba seenyanga ezili-12 onokuthi ubhalise kwiCandelo B, kodwa wakhetha ukungakwenzi oko. Uyakuhlawula ngalo lonke ixesha uneCandelo B.
• Icandelo D. Unokuhlawula iindleko ezongezelelweyo kwiiprimiyamu zeCandelo D ukuba uye kwiintsuku ezingama-63 okanye ngaphezulu emva kwexesha lokubhalisa kwakho ngaphandle kwendlela yokufumana iziyobisi.

2. Fumanisa ukuba uyakufanelekela na ukungahlawuliswa i-Part A

Ukwazi ukuba kuya kufuneka uhlawule ipremiyamu yenyanga kwiCandelo A kunokukunceda ukuba ucwangcise ukuba loluphi uhlobo lweMedicare oza kubhalisa kulo.

Uninzi lwabantu aluhlawuli i-premium yenyanga kwiCandelo A. Oku kungenxa yokuba bahlawule irhafu ye-Medicare kwikota ezingama-40 (iminyaka elishumi) okanye nangaphezulu.

Abantu abangakhange bahlawule irhafu ye-Medicare ngeli xesha baya kuhlawula i-premium yenyanga kwiCandelo A. Ngo-2021, unokufuna ukuhlawula phakathi kwama-259 ukuya kuma-471 ngenyanga ngenyanga ukuba awufanelekanga kwiCandelo A.

3. Xela xa umvuzo wakho uyehla

Ezinye iindawo zeMedicare zinxulunyaniswa nemali ehambelana nengeniso yenyanga (IRMAA).

I-IRMAA yintlawulo eyongezelelekileyo enokusetyenziselwa iipremiyamu zenyanga zeCandelo B kunye neCandelo D kumakhaya anengeniso ephezulu. Oku kumiselwe ngokusekwe kulwazi lokubuya kwirhafu evela kwiminyaka emi-2 eyadlulayo.

Ukuba okwangoku uhlawula ngaphezulu kwintlawulo yakho yanyanga le ngenxa ye-IRMAA, ungachaza utshintsho kumvuzo ngenxa yento efana noqhawulo-mtshato, ukusweleka kweqabane, okanye ukuncitshiswa komsebenzi.

Unokwenza oku ngokutsalela uLawulo loKhuseleko loLuntu (i-SSA), ugcwalise ifom yoMsitho oTshintsha uBomi, kwaye unikezele ngamaxwebhu afanelekileyo. I-SSA inokusebenzisa olu lwazi ukunciphisa okanye isuse umrhumo ongezelelweyo.

4. Cinga ngeMedicare Advantage

Izicwangciso zeMedicare Advantage (Icandelo C) zithengiswa ziinkampani zeinshurensi zabucala. Ezi zicwangciso zibandakanya yonke into egutyungelwe phantsi kweMedicare yoqobo kwaye inokubandakanya izibonelelo ezongezelelekileyo njengokugubungela amazinyo kunye nombono.

Izicwangciso zeCandelo C zihlala zineeprimiyamu ezisezantsi zenyanga. Ngapha koko, kuqikelelwa ukuba kwizicwangciso zeCandelo C azikho ipremiyamu yenyanga.

Ngenxa yoku, izicwangciso zeCandelo C zinokuba yinto elungileyo kwabo bafuna iindleko zepremiyamu ezisezantsi. Oku kunokuba yinyani ngakumbi ukuba:

• abafanelekanga kwiCandelo A lesimahla
• kufuneka ubhatale izohlwayo zobhaliso ezifike kade zamacandelo A no-B
• Kuya kufuneka uhlawule i-IRMAA ngesicwangciso seCandelo B

5. Thenga ujikeleze

Kukho iindawo ezithile zeMedicare ezithengiswa ziinkampani zabucala. Oku kubandakanya:

• Icandelo C (Uncedo)
• Icandelo D (ukumiselwa kweziyobisi ngugqirha)
• IMedigap (i-inshurensi yokuxhasa i-Medicare)

Iipremiyamu zenyanga zezi zicwangciso zibekwa ziinkampani ezinikezela ngazo. Imali oza kuyihlawula ingahluka ngokubanzi ngesicwangciso esithile, inkampani enikezela ngayo, kunye nendawo okuyo.

Ngenxa yoku, ngumgaqo olungileyo wesithupha ukuthelekisa izicwangciso ezininzi ezinikezelwa kwindawo yakho ngaphambi kokukhetha enye. I-Medicare inezixhobo zokuthelekisa eziluncedo kwiiplani zeCandelo C kunye neCandelo D, kunye nokugubungela iMedigap.

6. Jonga kwiMedicaid

I-Medicaid yinkqubo edibeneyo yomdibaniso neseburhulumenteni enokunceda abantu abanemivuzo ephantsi okanye oovimba ukuba bahlawule iindleko zabo zokhathalelo lwempilo. Inokukunceda ukugubungela iinkonzo ezingagqitywanga ziMedicare, ezinje ngononophelo lwexesha elide.

Iiprogram zeMedicaid ziyahluka ukusuka kwilizwe ukuya kwilizwe. Ukufumana ngakumbi malunga neenkqubo zeMedicaid ezikhoyo kwilizwe lakho, kwaye ubone ukuba uyafaneleka na, nxibelelana ne-ofisi yelizwe lakho iMedicaid.

7. Faka isicelo senkqubo yokonga iMedare

Iinkqubo zokonga zeMedare ziyakunceda uhlawule iindleko zepremiyamu zakho zeMedicare. Unokufanelekela ukufumana i-MSP ukuba:

• kufanelekile kwiCandelo A
• Unomvuzo okanye ngaphantsi komda ochaziweyo, kuxhomekeke kuhlobo lwe-MSP
• banezixhobo ezinqongopheleyo, ezinje ngokutshekisha okanye ukugcina iakhawunti, amasheya, okanye iibhondi

Zine iindidi ze-MSPs:

• 8. Fumana Uncedo Olongezelelweyo ngeMedicare

  Uncedo olongezelelekileyo yinkqubo enokunceda abantu abanengeniso encinci okanye oovimba ukuhlawulela iindleko ezinxulumene nezicwangciso zonyango zeMedicare. Imizekelo yeendleko ezihlawulwa ngoNcedo olongezelelekileyo ziipremiyamu zanyanga zonke, ezikhutshiweyo kunye neepopay.

  Kuqikelelwa ukuba uncedo olunikezelwa ngoNcedo olongezelelweyo lufanele malunga ne- $ 5,000 ngonyaka. Ukongeza, abantu abasebenzisa uNcedo olongezelelekileyo abazukufuna ukuhlawula isohlwayo sokubhalisa kade kwizicwangciso zeCandelo D.

  Ukuze ufaneleke ukuba ufumane uNcedo olongezelelekileyo, kuya kufuneka uhlangabezane nemida ethile kwingeniso nakwizixhobo. Ukufumanisa ukuba ululungele na uncedo olongezelelweyo kwaye ufake isicelo senkqubo, ndwendwela indawo yoNcedo eyongezelelweyo ye-SSA.

  Ukongeza, abanye abantu bayakufanelekela ngokuzenzekelayo ukufumana uNcedo olongezelelweyo. La maqela aquka:

  • abantu abane-Medicaid epheleleyo
  • abo bafumana uncedo kwi-MSP, ngakumbi i-QMB, i-SLMB, okanye inkqubo ye-QI
  • Abantu bafumana iNkxaso yeNgeniso yoKhuseleko kwi-SSA

  9. Jonga ukuba ilizwe lakho lineNkqubo yoNcedo lwaMayeza kaRhulumente

  Amanye amazwe anokuba neNkqubo yoNcedo lwaMayeza kaRhulumente (i-SPAP). Ezi nkqubo zinokunceda kwiindleko zamayeza amiselweyo kwaye zinokunceda ekugubungeleni iiprimiyamu zeCandelo D.

  Ayingawo onke amazwe ane-SPAPs. Ukongeza, iimfuno zokugubungela kunye nokufaneleka zinokwahluka ngokwamazwe. I-Medicare inezixhobo zokukhangela eziluncedo zombini ukubona ukuba urhulumente wakho une-SPAP kwaye yeyiphi le nkqubo igubungelayo.

  10. Phanda iinkqubo ezongezelelweyo zikarhulumente

  Ukongeza kuzo zonke iindlela zokonga iindleko esele sizikhankanyile ngasentla, amazwe athile anokuba neenkqubo ezizezinye ezinokukunceda ugcine kwiipremiyamu zakho zeMedicare.

  Ukufumana ngakumbi, nxibelelana neNkqubo yoNcedo lweinshurensi yezeMpilo kaRhulumente (i-SHIP). Unokufumana ulwazi lombuso wakho kwiwebhusayithi ye-SHIP.

  Ukuthatha

  Iindleko zepremiyamu zeMedicare zinokongeza. Nangona kunjalo, zikho iindlela onokuthi usebenze ngazo ukunceda ukunciphisa iindleko.

  Ezinye iindlela zokunciphisa iindleko kuye nabani na oneMedare zibandakanya ukuqiniseka ukuba ubhalise ngexesha, uxela utshintsho kumvuzo, kwaye ujonge isicwangciso seCandelo C ngokuchasene neMedicare yoqobo.

  Kukwakho neenkqubo ezikhoyo zokunceda abantu abanemivuzo ephantsi okanye oovimba ukuba bahlawule iindleko zonyango, kubandakanya iipremiyamu. Oku kubandakanya iMedicaid, i-MSPs, kunye noNcedo olongezelelweyo.

  Ukongeza, urhulumente wakho unokuba nezinye iinkqubo ezikhoyo ukunceda ukuthoba iindleko zonyango. Qiniseka ukuba uqhakamshelana neNkqubo kaRhulumente yeNkqubo ye-Inshurensi yezeMpilo ngolwazi olongezelelweyo.

  Eli nqaku lahlaziywa ngo-Novemba 17, 2020, ukubonisa ulwazi ngo-2021 lonyango.

  

  Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.