Ukuqonda ukuhlawulwa okulula kweMedicare: Iyintoni kwaye uyisebenzisa njani

Umxholo

• Yintoni i-Medicare elula yokuHlawula?
• Ngubani onokusebenzisa iMedicare Easy Pay?
• Ndibhalisa njani kwi-Medicare Easy Pay?
• Ndazi njani ukuba ndibhalisile kwi-Medicare Easy Pay?
• Kuthekani ukuba ndisemva kwintlawulo yam ye-Medicare?
• Ngaba ndingamisa uMedare ngokuHlawula ngokuLula?
• Yintoni endinokuyihlawula ndisebenzisa iMedicare Easy Pay?
• Zeziphi iindleko zeMedicare ezingenakuhlawulwa ngeMedicare Easy Pay?
• Izinto eziluncedo zokuHlawula ngokulula
• Iingxaki zokuHlawula ngokulula
• Kwenzeka ntoni ukuba iipremiyamu zam zeMedicare ziyatshintsha?
• Ukuthatha

• Ukuhlawulwa ngokulula kukuvumela ukuba usete i-elektroniki, iintlawulo ezizenzekelayo ngokuthe ngqo kwiakhawunti yakho yebhanki.
• Ukuhlawulwa ngokulula yinkonzo yasimahla kwaye ingaqalwa nangaliphi na ixesha.
• Nabani na ohlawula i-premium yenyanga kwi-Medicare yasekuqaleni angabhalisela i-Easy Pay.

Ukuba uhlawula iiprimiyamu eziphuma epokothweni ngogqatso lwakho lweMedare, inkqubo yokuKhokha ngokuLula inokukunceda. Ukuhlawulwa ngokulula yinkqubo yokuhlawula yasimahla ye-elektroniki ekuvumela ukuba ucwangcise iintlawulo ezenzekelayo kwi-premium yakho yonyango ye-Medicare ngqo kwiakhawunti yakho yokujonga okanye yokonga.

Yintoni i-Medicare elula yokuHlawula?

I-Medicare Easy Pay yinkqubo yasimahla evumela abantu ukuba babe ne-Medicare Part A okanye i-Medicare Part B baceba ukwenza imali ephindaphindayo, ezenzekelayo kwiiprimiyamu zabo ngqo kwiakhawunti yabo yokujonga okanye yokonga. Asinguye wonke umntu oneCandelo A le-Medicare ahlawula ipremiyamu, kodwa abo bahlawula inyanga nenyanga. Abantu abathenga i-Medicare Part B bahlala behlawula iipremiyamu rhoqo ngekota, okanye kwiinyanga ezintathu. I-Medicare ibonelela ngesishwankathelo seendleko zeMedare kuhlobo ngalunye lwesicwangciso. Ngelixa iMedicare ikwabonelela ngenkqubo yentlawulo ekwi-intanethi njengenketho yokuhlawula ezi ziqendu, i-Easy Pay ikuvumela ukuba usete iintlawulo ezizenzekelayo.

Ngubani onokusebenzisa iMedicare Easy Pay?

Nabani na ohlawula i-Medicare Part A okanye i-premium ye-B angabhalisela i-Easy Pay nanini na. Ukuseta i-Easy Pay, ungaqhagamshelana neMedicare kwifom efanelekileyo, okanye inokuprintwa kwi-intanethi.

Nje ukuba ifom ingeniswe, nangona kunjalo, ukuthatha inxaxheba ngokuqhubekayo kwinkqubo ye-Easy Pay akufuneki ukufikelela kwi-Intanethi.

Kuya kufuneka ube neakhawunti yebhanki emiselwe iintlawulo zenyanga ezizenzekelayo eziza kukhutshwa kuyo.

Ndibhalisa njani kwi-Medicare Easy Pay?

Ukubhalisela i-Medicare Easy Pay, phrinta kwaye ugcwalise isiVumelwano sokuGunyazisa kwifom yokuGunyazwa egunyazisiweyo. Le fomu sisicelo senkqubo, kwaye ibandakanya imiyalelo yendlela yokugcwalisa. Kubantu abangenakho ukufikelela kwi-Intanethi okanye kwiprinta, tsalela umnxeba ku-1-800-MEDICARE, kwaye baya kukuthumela ifom.

Ukugcwalisa le fomu, funa ulwazi lwakho lwebhanki kunye nekhadi lakho leMedicare elibomvu, elimhlophe, kunye noluhlaza okwesibhakabhaka.

Uya kudinga itsheki engenanto kwiakhawunti yakho yebhanki ukugcwalisa ulwazi lwakho lwebhanki. Ukuba usebenzisa iakhawunti yokutshekisha iintlawulo ezenzekelayo, kuya kufuneka ubandakanye itsheki engenanto, engenanto ngaphakathi kwimvulophu xa ungenisa ifom yakho egcwalisiweyo.

Xa ugcwalisa le fomu, bhala "Amaziko eMedare kunye neeNkonzo zeMedicaid" kwicandelo lamagama e-Arhente, kunye negama lakho kanye njengoko livela kwikhadi lakho le-Medicare kwicandelo "loMntu / iGama loMbutho". Uya kugcwalisa inombolo yakho ye-Medicare yenani eli-11 kwikhadi lakho le-Medicare kwicandelo elifuna "Inombolo yokuchonga iAkhawunti."

Xa ugcwalisa ulwazi lwakho lwebhanki, "Uhlobo lweNtlawulo" kufuneka ludweliswe njengeeNtlawulo zeMedare, kwaye kuya kufuneka udwelise igama lakho njengoko livela kwiakhawunti yakho yebhanki, inombolo yendlela yebhanki yakho, kunye nenombolo yeakhawunti apho isixa semali esivela khona iya kurhoxiswa inyanga nenyanga.

Le fomu ikwabandakanya indawo "yoTyikityo kunye nesihloko soMmeli," kodwa oku kufuneka kugcwaliswe kuphela xa umntu othile ebhankini ekuncedile ukuba ugcwalise le fomu.

Nje ukuba uposwe kwiziko leMedicare Premium Collection Centre (PO Box 979098, eSt. Louis, MO 63197-9000) kungathatha iiveki ezi-6 ukuya kwezi-8 ukwenza isicelo sakho.

Ukuba awufuni ukuseta iintlawulo eziphindaphindayo, unokukhetha ukwenza iintlawulo kwi-Intanethi kwi-premium yakho ye-Medicare ngebhanki okanye ngekhadi letyala.

Ndazi njani ukuba ndibhalisile kwi-Medicare Easy Pay?

Xa ukugqitywa kwe-Medicare Easy Pay kugqityiwe, uyakufumana oko kukhangeleka ngathi yi-Medicare Premium Bill, kodwa kuya kuphawulwa ukuba, "Le ayiyomali." Esi sisiteyitimenti nje esikwazisa ukuba ipremiyamu iya kutsalwa kwiakhawunti yakho yebhanki.

Ukusuka ngelo xesha ukuya phambili, uya kubona iipremiyamu zakho zeMedicare zithathwe kwiakhawunti yakho yebhanki ngokuzenzekelayo. Ezi ntlawulo ziya kudweliswa kwingxelo yakho yebhanki njenge-Automatic Clearing House (ACH), kwaye yenzeka nge-20 yenyanga nganye.

Kuthekani ukuba ndisemva kwintlawulo yam ye-Medicare?

Ukuba ushiyekile kwimirhumo yakho ye-premium ye-Medicare, intlawulo yokuqala ezenzekelayo inokwenziwa ukuya kuthi ga kwiinyanga ezintathu zepremiyamu ukuba ushiyekile kwiintlawulo zepremiyamu, kodwa iintlawulo zenyanga ezilandelayo zilingana ne-premium yenyanga enye kunye kunye ne-10 eyongezelelweyo. Ukuba ngaphezulu kwesi sixa sisatyala, kufuneka uqhubeke nokuhlawula iipremiyamu zakho ngenye indlela.

Nje ukuba inani olityala imali yakho kwi-premium yakho liphakathi kwemida ye-Medicare, ukuncitshiswa okuzenzekelayo kwenyanga kunokwenzeka. Ukuba awunayo imali eyoneleyo yentlawulo yakho yenyanga kwiakhawunti yakho yebhanki, i-Medicare iyakuthumela ileta ukukuxelela ukuba ukutsalwa akuphumelelanga kwaye ikunikeze nezinye iindlela zokuhlawula.

Ukuba ufuna uncedo lokuhlawula iindleko zakho zeMedare, kukho izixhobo ezikhoyo:

• Inkqubo eyiMfanelo yokufumana iMedicare (QBM)
• Iinkqubo ezichaziweyo zeNgeniso ePhantsi yezaMayeza (i-SLMB)
• Inkqubo elungiselelwe umntu ngamnye (QI)
• Abantu abakhubazekileyo nabaSebenzayo kwiNkqubo (QDWI)
• IiNkqubo zoNcedo lwe-Inshurensi yezeMpilo kaRhulumente (i-SHIP) yeNethiwekhi yeSizwe

Ngaba ndingamisa uMedare ngokuHlawula ngokuLula?

Ukuhlawulwa ngokulula kunokumiswa nangaliphi na ixesha, kodwa kuya kufuneka ucwangcise kwangaphambili.

Ukuyekisa ukuHlawula ngokuLula, gcwalisa kwaye uthumele iSivumelwano sokuGunyazisa esitsha kwifomu yokuHlawula egunyazisiweyo kunye notshintsho ofuna ukuba lwenziwe.

Yintoni endinokuyihlawula ndisebenzisa iMedicare Easy Pay?

Ungahlawula iipremiyamu zakho zeCandelo A okanye iCandelo B usebenzisa inkqubo eyi-Easy Pay.

Ukuhlawulwa ngokulula kuseta kuphela iintlawulo zepremiyamu kwiimveliso zeMedare, hayi iimveliso zomshuwalense wabucala okanye ezinye iintlobo zokuhlawula.

Zeziphi iindleko zeMedicare ezingenakuhlawulwa ngeMedicare Easy Pay?

I-inshurensi yokuNcedisa ngeMedicare, okanye iMedigap, izicwangciso azinakuhlawulwa ngeNtlawulo eLula. Ezi zicwangciso zibonelelwa ziinkampani zeinshurensi zabucala kwaye iintlawulo zepremiyamu kufuneka zenziwe kunye neenkampani ngokuthe ngqo.

Izicwangciso ze-Medicare Advantage nazo ziqhutywa zi-inshurensi zabucala kwaye azinakuhlawulwa nge-Easy Pay.

Amaphrimiyamu e-Medicare Part D awanakwenziwa nge-Easy Pay, kodwa anokutsalwa kwiintlawulo zakho zoKhuseleko lweNtlalo.

Izinto eziluncedo zokuHlawula ngokulula

• Inkqubo yokuhlawula ezenzekelayo kunye nesimahla.
• Inye kuphela ifom efunekayo ukuqala inkqubo.
• Iintlawulo zarhoqo ngenyanga zenziwa kwiipremiyamu kungekho ngxaki.

Iingxaki zokuHlawula ngokulula

• Kuya kufuneka ugcine umkhondo wezemali ukuqinisekisa ukuba unayo imali yokuhlawula ukurhoxa.
• Ukuqala, ukumisa, okanye ukutshintsha i-Easy Pay kungathatha ukuya kwiiveki ezisi-8.
• I-Easy Pay ayinakusetyenziselwa ukuhlawula iipremiyamu kwiimveliso zeMedare ezibonelelwa ziinkampani zeinshurensi zabucala.

Kwenzeka ntoni ukuba iipremiyamu zam zeMedicare ziyatshintsha?

Ukuba i-premium yakho ye-Medicare iyatshintsha, imali entsha iya kuncitshiswa ngokuzenzekelayo ukuba sele ukwisicwangciso se-Easy Pay. Iingxelo zakho zenyanga ziya kubonisa isixa esitsha.

Ukuba ufuna ukutshintsha indlela yakho yokuhlawula njengoko kutshintshwa iipremiyamu, kuya kufuneka ugcwalise kwaye uthumele isiVumelwano sokuGunyazisa esitsha kwifom yeNtlawulo egunyazisiweyo. Utshintsho luza kuthatha iiveki ezi-6 ukuya kwezi-8 ezongezelelweyo ukuba zisebenze.

Ukuthatha

Ukulawula iinkqubo zokhathalelo lwempilo zikawonkewonke ezinje ngeMedicare kunokuba nzima, kodwa zininzi iinkqubo kunye nezixhobo onokubhenela kuzo ukuze ufumane uncedo. Inkqubo yokuHlawula ngokulula yenye yezi, kwaye ibonelela simahla, indlela ezenzekelayo yokuhlawula iipremiyamu ezithile zeMedicare.Ukuba ufuna uncedo oluninzi, kukho iinkqubo ezininzi ezixhaswa yi-Medicare ezinokunika uncedo ngokuhlawula iipremiyamu.

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 ayithengisi ishishini 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.