Ukuqonda isohlwayo sokubhaliswa kwabafundi emva kwexesha

Umxholo

• Sithini isohlwayo sokubhaliswa kade kwiMedicare?
• Sithini isohlwayo sokubhaliswa kade kwiCandelo A?
• Sithini isohlwayo sokubhalisa kade kwiCandelo B?
• Sithini isohlwayo sokubhaliswa kade kwiCandelo C?
• Sithini isohlwayo sokubhalisa kade kwiCandelo D?
• Sithini isohlwayo sokubhaliswa kade eMedigap?
• Umgca wezantsi

Ukuba ukugcina imali kubalulekile kuwe, ukuthintela isohlwayo sokubhalisa emva kwexesha kunokunceda.

Ukulibazisa ukubhaliswa kwi-Medicare kunokukubeka kwizigwebo ezihlala ixesha elide ezongezwe kwiipremiyamu zakho inyanga nenyanga.

Isohlwayo sokubhalisa emva kwexesha sinokunyusa ngokubonakalayo isixa semali ekufuneka uhlawule ngaso kwicandelo ngalinye leMedicare iminyaka.

Sithini isohlwayo sokubhaliswa kade kwiMedicare?

Isohlwayo se-Medicare yintlawulo ohlawulwayo ukuba awuyibhaliseli i-Medicare xa uvumelekile. Kwabaninzi abantu, oku kukujikeleza ixesha lokuba babe neminyaka engama-65.

Nokuba usempilweni kwaye ungaziva ukuba unesidingo seMedicare, kubalulekile ukuba ubhalise ngexesha.

Njengaye nawuphi na i-inshurensi yezempilo, i-Medicare ixhomekeke kubantu abangaguliyo ukuxhasa le nkqubo, ukuze iindleko zabo bagula kakhulu zinokulinganiswa.

Ukutshaja umrhumo wokugqibela kunceda ukunciphisa ezi ndleko ngokubanzi kwaye kukhuthaze abantu ukuba babhalise ngexesha.

Sithini isohlwayo sokubhaliswa kade kwiCandelo A?

Abantu abaninzi banelungelo lokufumana i-Medicare Part A ngokuzenzekelayo ngaphandle kweendleko.

Ukuba awuzange usebenze iiyure ezaneleyo ngexesha lokuphila kwakho ukuze ufaneleke kule nkonzo, usengayithenga iCandelo leMedicare A. Nangona kunjalo, kuya kufuneka uhlawule ipremiyamu yenyanga.

Ukuba awubhalisanga ngokuzenzekelayo kwaye ungasayini kwiCandelo le-Medicare ngexesha lakho lokuqala lokubhalisa, uya kufumana isohlwayo sokubhalisa emva kwexesha xa ubhalisa.

Imali yesohlwayo sokubhalisa emva kwexesha liipesenti ezili-10 zeendleko zepremiyamu yenyanga.

Kuya kufuneka uhlawule ezi ndleko zongezwa inyanga nenyanga kabini kwinani leminyaka ubulungele i-Medicare Part A kodwa khange ubhalise.

Umzekelo, ukuba ulinde unyaka omnye emva kokufaneleka ukubhalisa, uya kuhlawula isohlwayo semali inyanga nenyanga iminyaka emi-2.

Sithini isohlwayo sokubhalisa kade kwiCandelo B?

Ufanelekile kwi-Medicare Part B ukuqala kwiinyanga ezintathu ngaphambi kokuzalwa kwakho kwama-65 ukuya kwiinyanga ezi-3 emva kokuba yenzekile. Eli xesha lexesha liyaziwa njengexesha lokubhalisa lokuqala.

Ukuba sele ufumana izibonelelo zoKhuseleko lweNtlalo, ipremiyamu yakho yenyanga iya kuncitshiswa kwitshekhi yakho yenyanga.

Ukuba awuzifumani izibonelelo zoKhuseleko lweNtlalo kwaye ungasayini kwi-Medicare Part B ngeli xesha, kuya kufuneka uhlawule isohlwayo sokubhaliswa kade kunye nentlawulo nganye yenyanga ye-Medicare B.

Kuya kufuneka uhlawule le ntlawulo yongezelelweyo ubomi bakho bonke.

Intlawulo yakho yanyanga zonke iya kunyuka ngepesenti ye-10 kwisithuba seenyanga ezili-12 apho ubunokuba neMedicare Part B kodwa khange uyenze.

Ukuba ulilungele ixesha lokubhaliswa kwecandelo le-Medicare Part B, ngekhe ufumane isohlwayo sokubhaliswa kade, ukuba ubhalisile ngelo xesha.

Amaxesha obhaliso olukhethekileyo anikezelwa kubantu abangabhaliseli i-Medicare Part B ngexesha lokubhaliswa kokuqala ngenxa yokuba banomshuwalense wezempilo ngomqeshi wabo, umanyano, okanye iqabane.

Sithini isohlwayo sokubhaliswa kade kwiCandelo C?

Icandelo le-Medicare Icandelo C (i-Medicare Advantage) alinaso isohlwayo sokubhaliswa kade.

Sithini isohlwayo sokubhalisa kade kwiCandelo D?

Uyakwazi ukubhalisa kwisicwangciso samachiza se-Medicare Part D ngaxeshanye uya kufaneleka ukuba ubhalise kwi-Medicare yoqobo.

Ungabhalisa kwi-Medicare Part D ngaphandle kokufumana isohlwayo sokubhaliswa kade ngexesha leenyanga ezi-3 eziqala xa iinxalenye zakho ze-Medicare A no-B zisebenza.

Ukuba ulinda ngaphaya kwefestile ukuze ubhalise, isohlwayo sokubhalisa emva kwexesha kwi-Medicare Part D siya kongezwa kwi-premium yakho yenyanga.

Le ntlawulo yi-1 yepesenti yomndilili weendleko zepremiyamu yenyanga, iphindaphindwe ngenani leenyanga obufike kade ukubhalisa ngazo.

Ezi ndleko zongezelelekileyo zisisigxina kwaye ziya kongezwa kwi-premium nganye yenyanga oyihlawulayo okoko une-Medicare Part D.

Ukuba ulilungele ixesha lokubhalisa elikhethekileyo kwaye ubhalisele icandelo leMedicare D ngeli xesha, ngekhe ufumane isohlwayo. Awuzukufumana isohlwayo ukuba ubhalise kade kodwa ulungele inkqubo yoNcedo olongezelelweyo.

Sithini isohlwayo sokubhaliswa kade eMedigap?

Ubhaliso lwamva nje lweMedigap (izicwangciso zokuncedisa kwiMedicare) alubangeli ukuba ufumane isohlwayo. Nangona kunjalo, ukuze ufumane amaxabiso aphezulu esicwangciso sakho seMedigap, kuya kufuneka ubhalise ngexesha lakho lokubhalisa elivulekileyo.

Eli xesha liqala ngosuku lokuqala lwenyanga ojika i-65 kwaye ihlala iinyanga ezi-6 ukusukela kuloo mhla.

Ukuba uphoswa bubhaliso oluvulekileyo, ungahlawula ipremiyamu ephezulu kakhulu yeMedigap. Unokwaliwa nesicwangciso seMedigap emva kokuphela kobhaliso ukuba unengxaki zempilo.

Umgca wezantsi

Ukuba ulinde ukufaka isicelo seMedicare, unokufumana izohlwayo ezibiza kakhulu kwaye zihlala ixesha elide. Ungayiphepha le meko ngokubhalisela i-Medicare ngexesha.

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.