Zithini iiCandelo leMedare B kwimirhumo engaphezulu?

Umxholo

• Yintoni i-Medicare Icandelo B?
• Zithini iindleko zeMedicare Part B?
• Ungayiphepha njani i-Medicare Part B iirhafu ezingaphezulu
• Ngaba iMedigap ihlawula i-Medicare Part B iindleko ezingaphezulu?
• Ukuthatha

• Oogqirha abangalamkeliyo isabelo seMedicare banokukuhlawulisa ukuya kuthi ga kwiipesenti ezili-15 ngaphezulu koko i-Medicare ikulungeleyo ukuhlawula. Eli xabiso laziwa njenge-Medicare Part B intlawulo engaphezulu.
• Unoxanduva lokuhlawula iindleko ezingaphezulu kwe-Medicare Part B ukongeza kwiipesenti ezingama-20 zemali evunyiweyo osele uyihlawule ngenkonzo.
• Icandelo B iintlawulo ezigqithisileyo azibali kwiCandelo B lonyaka elitsalwayo.
• Isicwangciso seMedigap F kunye nesiCwangciso seMedigap G zombini zigubungela iindleko zeMedicare Part B ezingaphezulu.

Ukuqonda iCandelo B ukuhlawuliswa okungaphezulu, kufuneka uqale uqonde isabelo seMedare. Ulwabiwo lwe-Medicare lixabiso elamkelweyo yi-Medicare kwinkonzo ethile yezonyango. Ababoneleli abamkelweyo ngamayeza bayamkela isabelo seMedare.

Abo bangalamkeliyo isabelo seMedicare banokuhlawulisa ngaphezulu kwemali evunyiweyo ye-Medicare yeenkonzo zonyango. Iindleko ezingaphezu kwesixa esivunyiweyo seMedare ziyaziwa njengeCandelo B iintlawulo ezingaphezulu.

Nangona iCandelo B iirhafu ezigqithileyo zinokuphelisa ukubiza iindleko kakhulu, ungaziphepha.

Yintoni i-Medicare Icandelo B?

I-Medicare Icandelo B yinxalenye ye-Medicare egubungela iinkonzo zonyango, ezinje ngokundwendwela ugqirha kunye nokhathalelo lokuthintela. I-Medicare Icandelo A kunye ne-Medicare Icandelo B ngamacandelo amabini enza i-Medicare yoqobo.

Ezinye zeenkonzo zeCandelo B ziquka:

• ugonyo lomkhuhlane
• ukuhlolwa komhlaza kunye neswekile
• iinkonzo zegumbi likaxakeka
• ukhathalelo lwempilo yengqondo
• Iinkonzo zeenqwelo zezigulana
• ukuvavanywa elebhu

Zithini iindleko zeMedicare Part B?

Ayizizo zonke iingcali zonyango ezamkela isabelo seMedare. Oogqirha abamkela isabelo bavumile ukwamkela isixa esivunyiweyo seMedicare njengentlawulo yabo epheleleyo.

Ugqirha ongalamkeliyo isabelo unokukuhlawulisa ukuya kuthi ga kwipesenti ezili-15 ngaphezulu kwesixa esivunyiweyo seMedicare. Oku kungaphezulu kuyaziwa njengeCandelo B ukuhlawuliswa okungaphezulu.

Xa ubona ugqirha, umthengisi, okanye umboneleli owamkela isabelo, unokuqiniseka ukuba uya kuhlawuliswa kuphela isixa esivunyiweyo seMedare. Aba gqirha bavunyiweyo be-Medicare bathumela ityala ngeenkonzo zabo kwi-Medicare, kunokuba bakunike. I-Medicare ihlawula iipesenti ezingama-80, emva koko ufumana ibhilikhwe yepesenti ezingama-20 eseleyo.

Oogqirha abangavunyelwanga yi-Medicare banokukucela ukuba uhlawule ngokupheleleyo ngaphambili. Uya kuba noxanduva lokufumana imbuyiselo yi-Medicare ngeepesenti ezingama-80 zexabiso elamkelweyo kwi-Medicare yetyala lakho.

Umzekelo:

• Ugqirha wakho wamkela isabelo. Ugqirha wakho jikelele owamkela i-Medicare angabiza i-300 yeedola kuvavanyo lweofisi. Ugqirha wakho uya kuthumela loo ntlawulo ngqo kwi-Medicare, kunokuba akucele ukuba uhlawule yonke imali. I-Medicare iya kuhlawula iipesenti ezingama-80 zetyala ($ 240). Ugqirha wakho uya kukuthumelela i-20 yeepesenti (i-60 yeedola). Ke, iindleko zakho eziphuma epokothweni ziya kuba yi- $ 60.
• Ugqirha wakho akayamkeli isabelo. Ukuba endaweni yoko uye kugqirha ongasamkeliyo isabelo seMedicare, banokukuhlawulisa i-345 yeedola kuvavanyo olufanayo eofisini. Imali engaphezulu kwama-45 eepesenti ngama-15 eepesenti ngaphezulu kokuhlawulwa ngugqirha oqhelekileyo; esi sixa-mali sisixa-ntlawulo se-B esigqithisileyo. Endaweni yokuthumela ibhilikhwe ngqo kwi-Medicare, ugqirha uza kukucela ukuba uhlawule yonke imali ngaphambili. Iya kuba nguwe ke ukuba ufake ibango kwi-Medicare yokubuyiselwa imali.Ukubuyiselwa kwemali kuya kulingana neepesenti ezingama-80 kuphela zemali evunyiweyo ye-Medicare ($ 240). Kule meko, iindleko zakho eziphuma epokothweni ziya kuba yi- $ 105.

Icandelo B iindleko ezigqithisileyo azibali kwiCandelo B elincitshisiweyo.

Ungayiphepha njani i-Medicare Part B iirhafu ezingaphezulu

Musa ukucinga ukuba ugqirha, umthengisi, okanye umboneleli uyayamkela iMedicare. Endaweni yoko, soloko ubuza ukuba bayasamkela na isabelo phambi kokuba ubhukishe idinga okanye inkonzo. Ngumbono olungileyo ukuphinda ujonge, nditsho noogqirha obonile ngaphambili.

Amazwe athile adlulise imithetho eyenza ukuba kungabikho semthethweni koogqirha ukuhlawulisa i-Medicare Part B iirhafu ezingaphezulu. La mazwe ngala:

• Unxibelelwano
• EMassachusetts
• IMinnesota
• Inew York
• IOhio
• IPennsylvania
• IRhode Island
• IVermont

Ukuba uhlala nakwesiphi na kwezi meko zisibhozo, awunakukhathazeka malunga neCandelo B ukuhlawuliswa okungaphaya xa ubona ugqirha kwimeko yakho. Usenakho ukuhlawuliswa intlawulo engaphezulu kwecandelo B ukuba ufumana ukhathalelo lonyango kumboneleli ongaphandle kwemeko yakho ongayamkeliyo isabelo.

Ngaba iMedigap ihlawula i-Medicare Part B iindleko ezingaphezulu?

I-Medigap yinshurensi yokuxhasa onokuthi ube nomdla kuyo xa uthenga i-Medicare yoqobo. Imigaqo-nkqubo yeMedigap inceda ukuhlawulela izithuba ezishiyekileyo kwi-Medicare yoqobo. Ezi ndleko zibandakanya ukuncitshiswa, ukukhutshwa kwemali kunye nokuqinisekiswa kwemali.

Izicwangciso ezibini zeMedigap ezigubungela intlawulo engaphezulu kwenxalenye B zezi:

• Isicwangciso seMedigap F. Isicwangciso F asisafumaneki kubaxhamli abaninzi beMedicare. Ukuba ukulungele ukufumana i-Medicare ngaphambi kukaJanuwari 1, 2020, usengathenga iSicwangciso F. Ukuba ngoku unesicwangciso F, unako ukusigcina.
• Isicwangciso seMedigap G. Isicwangciso G sisicwangciso esibandakanya kakhulu esigubungela uninzi lwezinto zoqobo zeMedare. Njengazo zonke izicwangciso zeMedigap, kuxabisa ipremiyamu yenyanga ukongeza kwipremiyamu yesiGaba B.

Ukuthatha

• Ukuba ugqirha wakho, umthengisi, okanye umboneleli akayamkeli isabelo seMedare, banakho ukukuhlawulisa ukuya kuthi ga ngaphezulu kwemali evunyiweyo yenkonzo yakho yezonyango. Le overage ibizwa ngokuba yiCandelo B elingaphezulu kwentlawulo.
• Unokukuphepha ukuhlawula iirhafu ezingaphezulu kwecandelo B ngokubona kuphela ababoneleli abavunyiweyo beMedare.
• Isicwangciso seMedigap F kunye nesiCwangciso seMedigap G zombini zigubungela iindleko zeNxalenye B ezingaphezulu. Kodwa kusenokufuneka uhlawule umboneleli wakho wezonyango ngaphambili kwaye ulinde ukubuyiselwa imali.