Ndilufumanaphi uncedo lukaMedare?

Umxholo

• Ndingalufumana phi uncedo oluthembekileyo lokuqonda unyango?
• Inqanawa / SHIBA
• Ndingalufumana phi uncedo lokubhalisa kwiMedicare?
• Ulawulo loKhuseleko loLuntu
• Ndingalufumana phi uncedo lokuhlawula amayeza?
• Ndinxibelelana nabani ukuba ndibhatala iipremiyamu eziphezulu?
• Ndingalufumana phi uncedo ukuba umvuzo wam uphantsi?
• Unyango
• Inkqubo yeMedicare Beneficiary (QMB) efanelekileyo
• Inkqubo echaziweyo yomvuzo ophantsi (SLMB) echaziweyo
• Inkqubo elungiselelwe umntu ngamnye (QI)
• Inkqubo yaBasebenzi abaKhubazekileyo abaFanelekileyo (i-QDWI)
• Uncedo olongezelelweyo
• Kuthekani ukuba ndifuna uncedo olungaphezulu kwezi zibonelelwa zezi nkqubo?
• Inkqubo yePACE
• Izibonelelo ze-NCOA zivavanywa
• Ndithetha nabani xa ndinengxaki ye-Medicare?
• IZiko lamaLungelo oNyango
• UkuPhathwa kweMatriki aPhezulu (SMP)
• Ukuthatha

• Wonke urhulumente unenkqubo yokuNcediswa kwe-Inshurensi yezeMpilo kaRhulumente (i-SHIP) okanye abaCebisi ngezeMpilo ye-Inshurensi yezeMpilo (i-SHIBA) ukukunceda ufunde ngakumbi malunga nezicwangciso zeMedare kunye nendlela yokubhalisa.
• Ulawulo loKhuseleko lweNtlalo (SSA) lunokukunceda ufake isicelo kwi-Intanethi, buqu, okanye ngomnxeba.
• Iinkqubo zikarhulumente kunye nezikarhulumente zinokukunceda uhlawule iindleko zeMedare.

Ukufumanisa ukuba ungabhalisa njani kwiMedicare, ukuba ukhethe njani esona sicwangciso silungileyo, kunye nendlela yokuhlawula iipremiyamu kunokuba nzima, ngaphandle kwezixhobo ezininzi ezikhoyo.

Nantsi isikhokelo esifutshane sokukunceda uhambe kwinkqubo, nokuba ufuna ukuqonda ngcono izicwangciso kunye nezibonelelo, ubhalise kwi-Medicare, okanye ufumane uncedo lokuhlawula iindleko zeMedare.

(Kwaye ukukunceda uchaze ii-akhronimi ezininzi ezisemthethweni kunye namagama oza kudibana nawo apha endleleni, unokufuna ukugcina le glossary yeMedicare iluncedo.

Ndingalufumana phi uncedo oluthembekileyo lokuqonda unyango?

Eminye imiba ye-Medicare iyahambelana ngokumangalisayo, nto leyo eyenza ukuba kube lula ukuyiqonda. Amanye amalungu atshintsha unyaka nonyaka-kwaye ukungabikho komhla obekiweyo okanye ukujonga iindleko kunokukhokelela kwiindleko ezingafunekiyo. Ukuba unemibuzo malunga neMedicare, nazi izibonelelo ezinokuthenjwa zokubonisana:

Inqanawa / SHIBA

Inkqubo yoNcedo lwe-Inshurensi yezeMpilo kaRhulumente (i-SHIP) kunye naBacebisi bezeMpilo ye-Inshurensi yezeMpilo (i-SHIBA) ziinethiwekhi ezingenzi nzuzo ezinabasebenzi bokuzithandela abaqeqeshiweyo, abangakhethi cala abanokukukhokela kukhetho lwakho lweMedare. Abacebisi ngenqanawa kunye nabakwaSHIBA kunye neeklasi banokukunceda ufumane:

• iinkonzo ezibandakanya izicwangciso ezahlukeneyo zeMedicare
• zithini iindlela zokukhetha kwindawo yakho
• njani kwaye nini ukubhalisa kwi-Medicare
• Ungalufumana njani uncedo lokugubungela iindleko
• yintoni amalungelo akho aphantsi kweMedicare

Ukufumana ngakumbi ngeofisi ye-SHIP yasekhaya, ndwendwela iwebhusayithi yesizwe okanye utsalele umnxeba ku-877-839-2675. Unokufumana uluhlu lweefowuni zikarhulumente / ze-SHIBA zonxibelelwano, kubandakanya iinombolo zefowuni, kule ndawo ye-Medicare.

Ndingalufumana phi uncedo lokubhalisa kwiMedicare?

Ulawulo loKhuseleko loLuntu

Ulawulo loKhuseleko lweNtlalo (SSA) lulawula inkqubo yokwenza isicelo kwi-Intanethi ye-Medicare. Uninzi lwabantu luya kuba nakho ukugcwalisa usetyenziso malunga nemizuzu eli-10. Ngokuqinisekileyo ngekhe ufune ukubanawaphi na amaxwebhu ongezelelweyo xa ufaka isicelo.

Ukuba awuyongxaki kwezicelo ezikwi-Intanethi, unokufaka isicelo nangomnxeba. Shayela u-800-772-1213 phakathi ko-7 ekuseni no-7 ntambama ukusuka ngoMvulo ukuya ngoLwesihlanu. Ukuba ungumntu ongevayo okanye umntu onemicimbi yokuva, ungasebenzisa inkonzo ye-TTY ngo-800-325-0778.

Ngenxa yokuba ii-ofisi ezininzi ze-SSA zihlala zivaliwe ngenxa yezithintelo ze-COVID-19, ukufaka isicelo kumntu kunokuba nzima ngoku. Kodwa usenokunxibelelana neofisi yakho yasentsimini yendawo okuyo ngoncedo usebenzisa le ndawo yokufumana iofisi yoKhuseleko lweNtlalo.

Ngenxa yokuba uninzi lweendawo zokucebisa ngenqanawa zinqumamisile iintlanganiso zomntu, abanye bathi babonelela ngoncedo kwiiklasi zeMedical. Ukufumana iiklasi ezinolwazi olusebenza kwingingqi yakho, ndwendwela iwebhusayithi ye-SHIP kwaye ucofe kwindawo ethi "SHIP locator." Iiklasi ezininzi ziyafumaneka ngeSpanish nangesiNgesi.

Ndingalufumana phi uncedo lokuhlawula amayeza?

Ungabhalisa kwi-Medicare ngaphandle kwenqanaba lakho lomvuzo. Uninzi lwabantu alubhatali nantoni na kwi-Medicare Part A (esibhedlele). Kwicandelo B (lonyango) lokugubungela, uninzi lwabantu lubhatala ipremiyamu ye- $ 144.60 ngo-2020.

Ndinxibelelana nabani ukuba ndibhatala iipremiyamu eziphezulu?

Ukuba umvuzo wakho uphezulu kune- $ 87,000, ungahlawula isixa-mali esihambelana nengeniso (IRMAA). Ukuba ufumene isaziso se-IRMAA kwaye ucinga ukuba sisekwe kumanani engeniso engeyiyo okanye ube notshintsho olukhulu kubomi bakho ukusukela oko umvuzo wakho wabalwayo, ungabhena kwisigqibo.

Nxibelelana ne-ofisi ye-SSA kwindawo yakho ngokusebenzisa le ndawo ifumana i-ofisi okanye ngokutsalela umnxeba i-SSA yesizwe engahlawulelwayo ku-800-772-1213. Kuya kufuneka ugcwalise le fomu uxele isiganeko esitshintsha ubomi.

Ndingalufumana phi uncedo ukuba umvuzo wam uphantsi?

Ukuba umvuzo wakho ulinganiselwe, unokufanelekela uncedo lokuhlawula iipremiyamu kunye nokutsalwa. Ezi zezi iinkqubo ezinokukunceda ngeendleko zeMedare.

Unyango

Ukuba ungumxhamli weMedicare onengeniso encinci okanye izixhobo, unokufanelekela iMedicaid. I-Medicaid yinkqubo eqhutywa bobabini oorhulumente baseburhulumenteni kunye noorhulumente baseburhulumenteni. Ihlawulela ezinye izibonelelo ezinganikezelwa yiMedicare.

Ungabhaliswa kuzo zombini iiMedicare neMedicaid ngaxeshanye, nokuba unayo iMedicare yoqobo (Icandelo A kunye neCandelo B) okanye isicwangciso seMedicare Advantage (Icandelo C).

Inkqubo yeMedicare Beneficiary (QMB) efanelekileyo

Inkqubo yeQMB yenye yeenkqubo zoncedo ezine ezenziwe liSebe lezeMpilo kunye neNkonzo zoLuntu (HHS). Nangona i-HHS iqale ezi nkqubo, ngoku zisebenza ngoorhulumente belizwe.

Le nkqubo inceda abantu abahlangabezana nemida yengeniso ukuhlawulela:

• Icandelo A iipremiyamu
• Iiprimiyamu zeCandelo B
• utsalo
• Uqinisekiso
• iikopayi

Ukuba ukwinkqubo yeQMB, ugqirha wakho kunye nabanikezeli bezempilo bavunyelwe ukuba bakubhatale kuphela isixa esilinganiselweyo kumayeza amiselweyo ($ 3.90 ngo-2020). Abavumelekanga ukuba bakubhatalele iinkonzo kunye nezinye izinto ezigutyungelwe yiMedicare.

Imida yengeniso yenyanga ye-2020 yenkqubo yeQMB yile:

• Umntu ngamnye: $ 1,084
• Ukutshata: $ 1,457

Imida yezixhobo ze2020 zenkqubo yeQMB zezi:

• Umntu ngamnye: $ 7,860
• Ukutshata: $ 11,800

Ngoncedo lokufaka isicelo senkqubo ye-QMB, ndwendwela le ndawo ye-Medicare kwaye ukhethe ilizwe lakho kwimenyu.

Ezi nkqubo zichaza isibonelelo njengemali onayo ekutshekeni okanye kwiakhawunti yokonga, esitokisini, kwiibhondi nakwizindlu nomhlaba (ngaphandle kwekhaya lakho). "Ubutyebi" abubandakanyi indlu ohlala kuyo, imoto yakho, ifanitshala yakho, okanye izinto zakho zobuqu.

Inkqubo echaziweyo yomvuzo ophantsi (SLMB) echaziweyo

Le nkqubo yelizwe inokukunceda ufumane imali yokuhlawula iipremiyamu zeCandelo B. Ukuze ufaneleke, kuya kufuneka ubhalise kwi-Medicare kwaye uhlangane nemida ethile yengeniso.

Imida yengeniso yenyanga ye-2020 yenkqubo ye-SLMB yile:

• Umntu ngamnye: $ 1,296
• Ukutshata: $ 1,744

Imida yezixhobo ze-2020 zenkqubo ye-SLMB zezi:

• Umntu ngamnye: $ 7,860
• Ukutshata: $ 11,800

Ukufaka isicelo senkqubo ye-SLMB, ndwendwela le ndawo ye-Medicare kwaye ukhethe ilizwe lakho kwimenyu.

Inkqubo elungiselelwe umntu ngamnye (QI)

Inkqubo yeQI ilawulwa ngurhulumente wakho. Inceda abaxhamli be-Medicare abanomvuzo olinganiselweyo ukuhlawula iipremiyamu zeCandelo B. Ukufaka isicelo sale nkqubo, ndwendwela le ndawo ye-Medicare kwaye ukhethe ilizwe lakho kwimenyu.

Imida yengeniso yenyanga ye-2020 yenkqubo yeQI yile:

• Umntu ngamnye: $ 1,456
• Ukutshata: $ 1,960

Imida yezixhobo ze2020 zenkqubo yeQI zezi:

• Umntu ngamnye: $ 7,860
• Ukutshata: $ 11,800

Inkqubo yaBasebenzi abaKhubazekileyo abaFanelekileyo (i-QDWI)

Le nkqubo ikunceda uhlawulele naliphi na icandelo lePremiyamu olityalayo. Ukufaka isicelo sale nkqubo, ndwendwela le ndawo ye-Medicare kwaye ukhethe ilizwe lakho kwimenyu.

Imida yengeniso yenyanga ye-2020 yenkqubo ye-QDWI zezi:

• Umntu ngamnye: $ 4,339
• Ukutshata: $ 5,833

Imida yezixhobo ze2020 zenkqubo yeQDWI zezi:

• Umntu ngamnye: $ 4,000
• Ukutshata: $ 6,000

Uncedo olongezelelweyo

Ukuba ukulungele ukufumana i-QMB, i-SLMB, okanye iinkqubo ze-QI, uya kulungela ngokuzenzekelayo inkqubo eyongezelelweyo yoNcedo. Le nkqubo ikunceda uhlawulele i-Medicare yokugubungela amayeza amayeza.

Uncedo olongezelelekileyo luhlaziya ngokuzenzekelayo unyaka nonyaka ngaphandle kokuba umvuzo wakho okanye izixhobo ziyaguquka. Izaziso zithunyelwa ngeposi ngoSeptemba (kwiphepha elimpunga) ukuba kubekho utshintsho kumvuzo wakho okanye kwizixhobo kwaye kufuneka uphinde ufake isicelo. Izaziso zithunyelwa ngeposi ngo-Okthobha (kwiphepha leorenji) ukuba iikopi zakho ziyatshintsha.

Uza ku hayi kufuneka ugcwalise isicelo ukuba unayo i-Medicare kwaye ufumana iNgeniso yoKhuseleko yoNcediso (SSI) okanye ukuba uneMedicare neMedicaid. Kule meko, uya kufumana uNcedo olongezelelweyo ngokuzenzekelayo.

Ngaphandle koko, ukuba udibana nemida yengeniso, unokufaka isicelo soNcedo olongezelelweyo apha. Ukuba ufuna uncedo lokugcwalisa isicelo, ungatsalela umnxeba uKhuseleko loLuntu kwi-800-772-1213 (TTY: 800-325-0778).

Ukuba ungathanda ulwazi oluthe kratya kuNcedo olongezelelweyo ngeSpanish, unokufuna ukubukela le vidiyo.

Kuthekani ukuba ndifuna uncedo olungaphezulu kwezi zibonelelwa zezi nkqubo?

Inkqubo yePACE

Ukuba uneminyaka engama-55 okanye ngaphezulu kwaye ufuna ukhathalelo lwamakhaya abalupheleyo, unokulungela iNkqubo yoNonophelo lwaBonke abaDala (PACE), eya kukuvumela ukuba ufumane uluhlu olubanzi lweenkonzo ezifanayo nezo ungazifumana. ngena kwiziko lokonga. Ezi nkonzo, nangona kunjalo, zinikezelwa kuwe ngababoneleli ngezempilo basekhaya nabasekhaya, kwaye iindleko zabo zibiza kancinci.

Ukuba unayo iMedicaid, i-PACE ayizukubiza nantoni na. Ukuba unayo i-Medicare, uya kuhlawula i-premium yenyanga yonyango lwakho kunye nemigqaliselo. Ukuba awunayo iMedicare okanye iMedicaid, usengabhatala ngasese ukuze uthathe inxaxheba kule nkqubo.

Ukubona ukuba uhlala kwelinye lala mazwe angama-31 anikezela ngezicwangciso ze-PACE, ndwendwela iwebhusayithi ye-Medicare.

Izibonelelo ze-NCOA zivavanywa

IBhunga likaZwelonke malunga nokuguga (i-NCOA) linikezela ngezibonelelo zokuhlola ukukunceda ufumane uncedo lwasekhaya ngayo yonke into ukusuka kwiindleko zeMedare ukuya kuthutho nakwindlu.

Uya kudinga nje ukuphendula imibuzo embalwa ukunciphisa indawo okuyo kunye nohlobo loncedo olufunayo, kwaye i-NCOA iya kukudibanisa kuluhlu lweenkqubo ezinokukunceda. Ugcino lwedatha lwe-NCOA luqulathe ngaphezulu kwe-2,500 yeenkqubo ezinceda abantu kwilizwe liphela.

Ndithetha nabani xa ndinengxaki ye-Medicare?

Ukuba ufuna ukuthetha nomntu malunga namalungelo akho phantsi kwe-Medicare, okanye ukuba ufuna ukunika ingxelo ngomboneleli wezempilo, nazi ezinye iindlela onokuthi uziqwalasele.

IZiko lamaLungelo oNyango

IZiko lamaLungelo eMedicare ngumbutho wesizwe ongajonganga kwenza nzuzo onika iingcebiso, imfundo kunye nokukhuthaza abaxhamli beMedicare. Ungathetha nommeli ngokubiza 800-333-4114 okanye undwendwele iwebhusayithi yayo.

UkuPhathwa kweMatriki aPhezulu (SMP)

Ukuba ucinga ukuba kukho impazamo kwityala lakho leMedicare okanye ukrokrela ubuqhetseba beMedicare, ungafikelela kwi-SMP. I-SMP liziko lezixhobo zikazwelonke elixhaswa ngezizibonelelo ezivela kuLawulo lokuPhila koLuntu, eyinxalenye yeHHS.

I-SMP yindawo elungileyo onokuya kuyo ngolwazi lwangoku ngobuqhetseba obunxulumene neMedicare. Umnxeba woncedo wesizwe ngu-877-808-2468. Abacebisi abasebenza kumnxeba woncedo baya kuba nakho ukukudibanisa neofisi ye-SMP yakho.

Ukuthatha

• Ukufumana uncedo kwi-Medicare kunokunceda ekuqinisekiseni ukuba ufumana isicwangciso esifanelekileyo, ubhalise ngexesha, kwaye ugcine imali eninzi kwiindleko zeMedare xa kunokwenzeka.
• Ukusebenza neengcali kwinkqubo yakho ye-SHIP kunye ne-SHIBA yindlela elungileyo yokuphendula imibuzo onokuba nayo ngaphambili, ngexesha, nasemva kwenkqubo yobhaliso.
• Ukufumana ngakumbi malunga neenkqubo zokonga iMedare kaRhulumente kunye nomdibaniselwano kunokukunceda ugcine iindleko ziphantsi, kwaye nokwazi ukuba ngubani oza kumfowunela xa ubona ingxaki kunokukugcina ungalixhoba lobuqhetseba okanye ukuxhatshazwa.

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.