Ukuqonda iMigaqo yokuLungela iMinyaka yokuNyanga

Umxholo

• Yiyiphi iminyaka yokufaneleka kwi-Medicare?
• Ngaphandle kwemfuneko yokufaneleka kweminyaka yobudala
• Ezinye iimfuno zokufaneleka kweMedicare
• Funda ngamacandelo ahlukeneyo eMedare
• Ukuthatha

I-Medicare yinkqubo ye-inshurensi yezempilo yaseburhulumenteni yabemi abadala kunye nabantu abakhubazekileyo. Ukuba uneminyaka engama-65 okanye ngaphezulu, ufanelekile kwi-Medicare, kodwa oko akuthethi ukuba uyifumana ngokuzenzekelayo.

Nje ukuba udibane nemilinganiselo ethile yobudala okanye ezinye iindlela zeMedare, kukuwe ukuba ubhalise kule nkqubo.

Ukubhalisa kwi-Medicare kunokuba yinkqubo yokudideka. Ifuna ukuqonda ezinye zezinto ezisisiseko zenkqubo esebenza ngayo.

Eli nqaku liza kugubungela into ekufuneka uyazi malunga nayo:

• yintoni i-Medicare
• Indlela yokufaka isicelo
• indlela yokuhlangabezana nexesha elibekiweyo
• indlela yokufumanisa ukuba uyafaneleka na

Yiyiphi iminyaka yokufaneleka kwi-Medicare?

Iminyaka yokufaneleka kweMedicare yiminyaka engama-65 ubudala. Oku kusebenza nokuba awusasebenzi ngexesha lokuzalwa kwakho kwama-65. Awudingi ukuba uthathe umhlala phantsi ukuze ufake isicelo seMedicare.

Ukuba unayo i-inshurensi ngomqeshi wakho ngexesha ofaka isicelo ngalo kwi-Medicare, i-Medicare iya kuba yinshurensi yakho yesibini.

Unokufaka isicelo seMedicare:

• kwangoko kwiinyanga ezi-3 phambi kwenyanga ugqiba iminyaka engama-65
• Ngexesha lenyanga ugqiba iminyaka engama-65
• ukuya kuthi ga kwiinyanga ezi-3 emva kwenyanga uguqula iminyaka engama-65

Eli xesha libekiweyo malunga neminyaka yokuzalwa engama-65 linikezela iinyanga ezisixhenxe ukuze ubhalise.

Ngaphandle kwemfuneko yokufaneleka kweminyaka yobudala

Kukho okuninzi okwahlukileyo kwimfuneko yeminyaka yokufaneleka kweMedicare, kubandakanya:

• Ukukhubazeka. Ukuba ungaphantsi kweminyaka yobudala engama-65 kodwa ufumana uKhuseleko lweNtlalo ngenxa yokukhubazeka, unokufanelekela kwi-Medicare. Emva kweenyanga ezingama-24 zokufumana uKhuseleko loLuntu, uya kufaneleka kwi-Medicare.
• ALS. Ukuba une-amyotrophic lateral sclerosis (i-ALS, okanye isifo sikaLou Gehrig), uyafaneleka kwi-Medicare ngokukhawuleza ukuba izibonelelo zakho zokukhubazeka koKhuseleko lweNtlalo ziqale. Awukho phantsi kwexesha lokulinda leenyanga ezingama-24.
• I-ESRD. Ukuba unesiphelo sesifo se-renal (ESRD), uya kuba yi-Medicare efanelekileyo emva kokufakelwa kwezintso okanye iinyanga ezintathu emva kokuba unyango lwe-dialysis luqala.

Ezinye iimfuno zokufaneleka kweMedicare

Kukho ezinye iikhrayitheriya zokufaneleka kweMedicare ukongeza kwimfuno yobudala.

• Kuya kufuneka ube ungummi wase-US okanye umhlali osisigxina osemthethweni ohlala e-United States iminyaka emi-5 ubuncinci.
• Wena okanye iqabane lakho kufuneka nihlawule kuKhuseleko lweNtlalo malunga nesixa seminyaka eli-10 okanye nangaphezulu (ekwabizwa ngokuba kufunyenwe iikhredithi ezingama-40), OKANYE Kuya kufuneka uyihlawule irhafu ye-Medicare ngelixa wena okanye iqabane lakho belingumqeshwa kurhulumente womanyano.

Unyaka ngamnye, umjikelo wokubhalisa kwi-Medicare ujongeka ngokufanayo. Nazi ezinye zexesha elibalulekileyo lokugcina engqondweni:

• Usuku lwakho lokuzalwa lwama-65. Ixesha lokubhalisa lokuqala. Unokufaka isicelo sokubhalisa kwi-Medicare ukuya kuthi ga kwiinyanga ezi-3 ngaphambili, inyanga, kunye neenyanga ezi-3 emva kosuku lwakho lokuzalwa lwama-65.
• NgoJanuwari 1 – Matshi 31. Ixesha lobhaliso lonyaka. Ukuba awukhange ufake isicelo seMedicare ngefestile yeenyanga ezisi-7 ejikeleze usuku lwakho lokuzalwa, ungabhalisa ngeli xesha. Unokutshintsha phakathi kwezicwangciso zoNyango lweMedicare kunye neMedicare kwaye utshintshe isicwangciso sakho seMedicare Part D ngeli xesha. Ukuba ubhalisa kwi-Medicare Part A okanye kwiCandelo B ngeli xesha, uya kuba nokugubungela ngoJulayi 1.
• Okthobha 15 – Disemba 7. Ixesha lokubhalisa elivulekileyo kwabo babhalise kwi-Medicare kwaye banqwenela ukutshintsha isicwangciso sabo. Izicwangciso ezikhethwe ngexesha lobhaliso oluvulekileyo ziqala ukusebenza ngoJanuwari 1.

Funda ngamacandelo ahlukeneyo eMedare

I-Medicare yinkqubo yeinshurensi yezempilo yabantu abaneminyaka engama-65 okanye nangaphezulu, kunye nabantu abaneemeko ezithile zempilo.

I-Medicare yahlulwe yangamacandelo ahlukeneyo. Amalungu ayindlela yokubhekisa kwimigaqo-nkqubo eyahlukeneyo, iimveliso kunye nezibonelelo ezinxulumene neMedicare.

• Icandelo lezaMayeza A. Icandelo leMedicare A yinshurensi yesibhedlele. Ikugubungela ngexesha elifutshane lokuhlala kwizibhedlele kunye neenkonzo ezinje nge-hospice. Ikwabonelela ngesibonelelo esilinganiselweyo kulolongo lwezakhono kwaye ukhethe iinkonzo zekhaya.
• Icandelo leMedare B. I-Medicare Icandelo B yi-inshurensi yezonyango egubungela iimfuno zononophelo lwemihla ngemihla njengokuqeshwa ngugqirha, utyelelo lonyango, izixhobo zonyango, kunye notyelelo olukhawulezileyo lonyango.
• Icandelo lonyango kwiCandelo C. Icandelo leMedicare C likwabizwa ngokuba yiMedicare Advantage. Ezi zicwangciso zidibanisa ukugubungela iinxalenye A kunye no-B kwisicwangciso esinye. Izicwangciso ze-Medicare Advantage zinikezelwa ziinkampani zeinshurensi zabucala kwaye zijongwa yiMedicare.
• Icandelo leMedare D. Icandelo lonyango i-Medicare Icandelo D kukugubungela amayeza. Izicwangciso zeCandelo D zizicwangciso ezizimeleyo ezibandakanya kuphela imigqaliselo. Ezi zicwangciso zibonelelwa nangeenkampani zabucala zeinshurensi.
• IMedigap. IMedigap ikwabizwa ngokuba yi-Medicare yokuxhasa i-inshurensi. Izicwangciso zeMedigap zinceda ekugubungeleni iindleko eziphuma epokothweni zeMedicare, ezinjengezinto ezitsalwayo, iikopayments, kunye nexabiso lemali yeemali.

Ukuthatha

Iminyaka yokufaneleka kweMedicare iyaqhubeka ineminyaka engama-65 ubudala. Ukuba loo nto ingatshintsha, awunakuchaphazeleka, njengoko utshintsho luza kwenzeka ngokuthe ngcembe.

Ukubhalisa kwi-Medicare kunokubonakala kunzima, kodwa zininzi izixhobo zokunceda ukwenza lula inkqubo kwaye ubhalise.

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.

Funda eli nqaku ngeSpanish