Ngaba luphi na unyango olusimahla?
Umxholo
- Ngawaphi amacandelo eMedicare asimahla?
- Ngaba i-Medicare yinxalenye yasimahla?
- Ngaba i-Medicare Part A isimahla ukuba ndikhubazekile?
- Ngaba i-Medicare yinxalenye B isimahla?
- Ngaba i-Medicare Icandelo C (i-Medicare Advantage) isimahla?
- Ngaba icandelo leMedicare D likhululekile?
- Ngaba i-Medicare Supplement (Medigap) ikhe yasimahla?
- Ukuthatha
- I-Medicare ayihlawulelwa kodwa ihlawulwa kwangaphambili ebomini bakho ngeerhafu ozihlawulayo.
- Akunakufuneka uhlawule i-premium kwi-Medicare Part A, kodwa usenokuba unayo i-copay.
- Oko uhlawula i-Medicare kuxhomekeke ekubeni usebenze ixesha elingakanani, wenza malini ngoku, kwaye zeziphi iinkqubo ozikhethayo.
- Ukuthelekisa izicwangciso zeMedicare kunokukunceda ukhethe ezona ndlela zibalaseleyo kwimeko yakho nganye.
I-Medicare ayikhululekile; Nangona kunjalo, ayinguye wonke umntu oza kuhlawula ipremiyamu esisiseko. Kukho iinkqubo ezahlukeneyo zeMedicare, kwaye ezinye azinyanzelekanga. Isixa osibhatalayo sixhomekeke kwiinkqubo ozikhethayo, kwaye ubuninzi bobomi bakho obuchithwe usebenza kwaye uhlawula kwinkqubo ye-Medicare ngerhafu yakho.
Ngelixa i-Medicare ingekho simahla ncam, abantu abaninzi abayi kuhlawula ipremiyamu yenyanga kunyango olusisiseko. I-Medicare yinkqubo ye-inshurensi yezempilo oyifaneleyo xa uneminyaka engama-65 okanye uneengxaki ezithile zempilo okanye ukukhubazeka. Uhlawula kwinkqubo ye-Medicare ngalo lonke ixesha lokuphila kwakho njengenxalenye yeerhafu zakho kwaye uvune izibonelelo zale minikelo kamva ebomini okanye ukuba ufunyenwe ukhubazekile.
Qhubeka ufunda ukuze ufumane ukuba yeyiphi imiba yenkqubo ebandakanyiweyo kukhuselo lwakho "lwasimahla" kwaye loluphi ukhetho olunokubiza ngaphezulu.
Ngawaphi amacandelo eMedicare asimahla?
Kukho iinkqubo ezahlukeneyo zeMedare okanye iinxalenye, elowo esebenzela iimfuno ezahlukeneyo zempilo. Inkqubo nganye ineendleko ezahlukeneyo zenyanga ngohlobo lweepremiyamu, iintlawulo ezikhutshelweyo kunye nokutsalwa kwemali.
Ngelixa abantu banokujonga ezinye zeenkqubo kunye neenkonzo "zasimahla," zilungile iinkqubo ozihlawulela kuyo yonke iminyaka yakho yokusebenza. Ukuba awunayo i-premium yenyanga yenkqubo ye-Medicare, kungenxa yokuba sele utyalomali kule nkqubo. Nangona kunjalo, ayinguye wonke umntu ofumana ezi nkonzo ngaphandle kweendleko.
Ngaba i-Medicare yinxalenye yasimahla?
Icandelo le-Medicare A libonakala "likhululekile," kodwa yenye yezo zibonelelo sele uzihlawulele iirhafu ozihlawule ngexesha lakho lokusebenza. Abantu abaninzi abayi kuhlawula mali yanyanga zonke kwi-Medicare Part A, egubungela isibhedlele esinganyangekiyo kunye nokunakekelwa kwamakhaya abalupheleyo, kunye ne-hospice kunye nezinye iinkonzo zononophelo lwempilo ekhaya. Iindleko ngqo zeCandelo A zixhomekeke kwimeko yakho nokuba usebenze ixesha elingakanani.
Awuyi kuhlawula i-premium yenyanga kwi-Medicare Part A ukuba umdala kuneminyaka engama-65 kwaye nayiphi na kwezi ziyasebenza:
- Ufumana izibonelelo zomhlala-phantsi kuKhuseleko lweNtlalo.
- Ufumana izibonelelo zomhlala-phantsi kwiBhodi yoMhlala-phantsi yoLoliwe.
- Wena okanye iqabane lakho nisebenzela urhulumente kwaye nifumene i-Medicare.
Unokufumana isiQinisekiso se-Medicare simahla ye-premium ukuba ungaphantsi kweminyaka engama-65 kwaye nayiphi na kwezi iyasebenza:
- Ufumene izibonelelo zokukhubazeka koKhuseleko lweNtlalo kangangeenyanga ezingama-24.
- Ufumene izibonelelo zokukhubazeka kwiBhodi yoLoliwe.
- Unesifo sezintso zokuphela kwenqanaba.
Ukuba awunamgangatho we-Medicare Part A engahlawulwanga, uya kuhlawula ipremiyamu ngokusekwe kwinani leekota oye wazisebenza ebomini bakho.
| Inani lexesha elisetyenzisiweyo (kwaye ihlawulwe kwiMedicare) | Intlawulo yenyanga ngenyanga ngo-2021 |
|---|---|
| <Iikota ezingama-30 (iiveki ezingama-360) | $471 |
| Iikota ezingama-30–39 (iiveki ezingama-360-468) | $259 |
Ngelixa iCandelo A ligubungela ukhathalelo lwakho lwezigulana kunye nezinye iimfuno zempilo yasekhaya, kuya kufuneka ukuba ube nenxalenye yeCandelo B yolunye utyelelo lonyango kunye nokhathalelo lothintelo.
Ngaba i-Medicare Part A isimahla ukuba ndikhubazekile?
Kukho inani lokukhubazeka elinelungelo lokufumana i-premium-free coverage phantsi kwe-Medicare Part A. Ulawulo loKhuseleko loLuntu luchaza ukuba zeziphi izikhubazeko ezikulungeleyo ukufumana i-premium ye-Medicare Part A, kodwa ngokubanzi imiba yonyango ekulindeleke ukuba ihlale ngaphezu konyaka okanye Isiphumo sokufa kufanelekile kwezi zibonelelo.
Ngaba i-Medicare yinxalenye B isimahla?
Unyango lwe-Medicare Icandelo B yinkqubo ye-inshurensi yezempilo egubungela iinkonzo zonyango zezigulana ezifana nokutyelelwa ngugqirha kunye nokhathalelo lokuthintela. Ayiboneleli ngenketho ye-premium-yasimahla njengeCandelo A. Iipremiyamu zenyanga zihlawuliswa ngokusekwe kwinqanaba lakho lomvuzo, kodwa ayinguye wonke umntu ofumana ibhili yepremiyamu.
I-premium yakho ye-Medicare Part B iya kuncitshiswa ngokuzenzekelayo kwiitshekhi zakho zenyanga xa ufumana nayiphi na oku kulandelayo:
- Izibonelelo zoKhuseleko lweNtlalo
- iintlawulo ezivela kwiBhodi yoMhlala-phantsi yoLoliwe
- iintlawulo ezivela kwiOfisi yoLawulo lwaBasebenzi
Kulabo bahlawula ipremiyamu yesiGaba B, iindleko ziyahluka ngokwenqanaba lakho lomvuzo. Ingeniso yonyaka ukusuka ngo-2019 isetyenziselwa ukubala oza kuhlawula ngo-2021.
| Ingeniso yomntu ngamnye yonyaka | Isibini semali esidibeneyo | Intlawulo yenyanga |
|---|---|---|
| ≤ $88,000 | ≤ $176,000 | $148.50 |
| > $88,000–$111,000 | > $176,000–$222,000 | $207.90 |
| > $111,000–$138,000 | > $222,000–$276,000 | $297 |
| > $138,000–$165,000 | > $276,000–$330,000 | $386.10 |
| > $165,000–< $500,00 | > $330,000–< $750,000 | $475.20 |
| ≥ $500,000 | ≥ $750,000 | $504.90 |
Ezinye izicwangciso zeMedigap zigubungela iindleko zecandelo leMedare B elincitshisiweyo. Nangona kunjalo, ngo-2015 umthetho wapasiswa (i-Medicare Access kunye ne-CHIP Reauthorization Act ka-2015 [MACRA]) eyenza ukuba kungabikho semthethweni kwizicwangciso ze-Medicare Supplement (Medigap) ukuhlawulela inxenye ye-B yokuxhuzulwa kubabhalisi abatsha ukuqala ngo-2020.
Ngelixa abantu esele benesicwangciso esihlawule le-premium bagcina ingxelo yabo, ukusukela nge-1 kaJanuwari 2020, ababhalisi abatsha beMedare abakwazanga ukubhalisela izicwangciso zokuxhasa ezihlawula i-premium ye-Part B. Nangona kunjalo, ukuba ubusele ubhalisile kwi-Medicare kwaye unesicwangciso seMedigap esihlawula icandelo B, unokugcina.
Ngaba i-Medicare Icandelo C (i-Medicare Advantage) isimahla?
Iipilisi ze-Medicare Part C (i-Medicare Advantage) zizicwangciso ze-inshurensi ezizimeleyo ezidibanisa iinkalo zombini ze-Medicare Part A kunye ne-Medicare Part B, kunye nezinye iinkonzo. Iinkampani zabucala zifumana inkxaso-mali kwi-Medicare, ke ezinye izicwangciso zisenokubonelela "simahla" okanye zinciphise iipremiyamu zenyanga.
Iindleko ezithile zepremiyamu yeCandelo C ziyahluka ngokwesicwangciso. Kukho iindlela ezahlukeneyo zenkonzo, iintlobo zokugubungela, kunye namaxabiso ezicwangciso zeCandelo leMedare C. Abanye bade bagubungele iinkonzo ezinje ngokuhlolwa kwamehlo, ukhathalelo lwamazinyo, izixhobo zokuva, kunye neenkqubo zokomelela komzimba.
Izicwangciso ezinganikeli iipremiyamu zenyanga zisenokuba nezinye iindleko, nangona kunjalo, njengee-copays, i-coinsurance, kunye nokuncitshiswa. Uninzi lwezicwangciso, nangona kunjalo, zibandakanya ukuphuma kweepokotho. I-Medicare ibonelela ngesixhobo esikwi-intanethi ukuthelekisa iindleko kunye neenkonzo ezibandakanyiweyo nezicwangciso zeMedicare zeAdvantage ezinikezelwa kwindawo yakho.
Ngaba icandelo leMedicare D likhululekile?
Icandelo leMedicare D ligubungela amayeza amiselweyo kwaye lihlawulwa ngeepremiyamu kunye neminye imirhumo. Izicwangciso ze-Medicare ze-Advantage zingabandakanya ukukhutshwa kwemithi, kodwa uya kuba noxanduva kwinxalenye yeendleko zakho zonyango.
Iindleko ze-premium ziyahluka ngokwendawo kunye nesicwangciso, kwaye unokusebenza nogqirha wakho ukuqinisekisa ukuba amayeza owamiselweyo afakiwe kuluhlu lweziyobisi (olubizwa ngokuba yi-formulary) oluvunyiweyo yi-Medicare. Ukuba amayeza akho awekho kuluhlu oluvunyiweyo, ugqirha wakho unokucela ngaphandle okanye akhethe iyeza elahlukileyo.
Ngaba i-Medicare Supplement (Medigap) ikhe yasimahla?
Imigaqo-nkqubo yeMedigap (iMedicare Supplement) iyafumaneka kwiinkampani zeinshurensi zabucala. Abakhululekile kodwa banokukunceda ugcine imali kwezinye iindleko zenkqubo ye-Medicare.
Ezinye izicwangciso zeMedigap, ezinjenge-C no-F, zisetyenziselwa ukugubungela i-Medicare Part B deductibles. Oku ngekhe kutshintshe kubantu esele banezicwangciso, kodwa abantu abatsha kwi-Medicare emva kwe-1 kaJanuwari 2020 abasayi kuphinda bakwazi ukuthenga ezi zicwangciso.
I-Medicare ibonelela ngesixhobo esikwi-Intanethi ukufumana iinkqubo zeMedigap kwindawo yakho. Unokuthelekisa iindleko zepremiyamu kwaye zeziphi iikopi kunye nezinto ezikhutshiweyo ezisebenzayo. Izibonelelo zeMedigap zikhaba emva kweenkqubo ezisisiseko zeMedare njengeCandelo A kunye neCandelo B lokugubungela liphelile.
Ukuthatha
- Ukufakwa kwe-Medicare kuyinkimbinkimbi, kwaye zininzi izinto eziqwalaselweyo ezikhethekileyo kwimeko yakho.
- Akukho nkqubo “yasimahla” yonyango. Usebenze ixesha elingakanani, wenza malini, kwaye unakho ukuhlawula malini njengoko kutsalwa ngaphambi kokuba izibonelelo zakho zikhabe kuzo zonke izinto ezichaphazelekayo ekubaleni iindleko zakho ze-Medicare.
- Ngelixa kukho ezinye iinkqubo ezibonelela ngamaxabiso aphantsi okanye "asimahla", thelekisa izicwangciso kwaye ujonge zonke iindleko ezibandakanyekayo, kubandakanya ezitsalwayo, iikopayment kunye noqinisekiso lwemali.
Eli nqaku lahlaziywa ngo-Novemba 20, 2020 ukubonisa ulwazi lwango-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.
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