Iakhawunti yoLondolozo lweMedicare: Ngaba ilungile kuwe?

Umxholo

• Yintoni iakhawunti yokonga iMedare?
• Izibonelelo zeakhawunti yokonga iMedare
• Ukungancedi kwiakhawunti yokonga iMedare
• Ngubani ofanelekileyo kwiakhawunti yokonga iMedare?
• Igquma ntoni iakhawunti yokonga iMedare?
• Ixabisa malini iakhawunti yokonga iMedare?
• Ndingabhalisa nini kwiakhawunti yokonga iMedare?
• Uphi iakhawunti yokulondolozwa kwamayeza okulungeleyo?
• Ukuthatha

I-Medicare igubungela uninzi lweendleko zakho zokhathalelo lwempilo emva kokuba ubeneminyaka engama-65, kodwa ayijonganga yonke into. Unokufanelekela isicwangciso esincitshisiweyo seMedare esibizwa ngokuba yiakhawunti yokonga iMedare (MSA). Ezi zicwangciso zezempilo zisebenzisa iakhawunti yokonga eguqukayo exhaswa ngurhulumente ngonyaka.

Abanye abasebenzisi beMedare, ezi zicwangciso ziyindlela yokwelula imali yakho ngakumbi xa kuziwa ekugubungeleni iindleko zokutsalwa kwemali kunye neepopay.

Iiakhawunti zokonga zeMedare azisetyenziswanga ngokubanzi njengoko unokucinga - mhlawumbi ngenxa yokuba kukho ukudideka okuninzi malunga nokuba ngubani ofanelekileyo kunye nendlela abasebenza ngayo. Eli nqaku liza kugubungela iziseko zeakhawunti yokonga ye-Medicare, kubandakanya i-pros kunye ne-Cons yokuba nayo.

Yintoni iakhawunti yokonga iMedare?

Njengama-akhawunti okonga impilo axhaswa ngumqeshi (ii-HSAs), iiakhawunti zokonga i-Medicare lukhetho kubantu abanezicwangciso ze-inshurensi ezizimeleyo ezikhutshiweyo eziphezulu. Umahluko omkhulu kukuba ii-MSAs ziluhlobo lwesicwangciso seMedicare Advantage, ekwabizwa ngokuba yiMedicare Part C.

Ukuze ufanelekele i-MSA, isicwangciso sakho se-Medicare Advantage kufuneka sibe ne-deductible ephezulu. Iikhrayitheriya zokutsalwa okuphezulu kunokuhluka ngokokuhlala kwakho kunye nezinye izinto. I-MSA yakho emva koko isebenza kunye neMedicare ukunceda ekuhlawuleni iindleko zakho zokhathalelo lwempilo.

Bambalwa kuphela ababoneleli abanikezela ngezi nkqubo. Abanye abantu banokwenza ingqiqo yezemali, kodwa abantu abaninzi banenkxalabo malunga nesicwangciso se-inshurensi esisuswe kakhulu. Ngenxa yezi zizathu, kuphela ipesenti yabantu abasebenzisa i-Medicare basebenzisa ii-MSAs.

I-Kaiser Family Foundation iqikelela ukuba bambalwa abantu abangama-6,000 abasebenzisa ii-MSAs ngo-2019.

Ii-MSAs zithengiswa ziinkampani zeinshurensi zabucala ezenza isivumelwano neebhanki ukwenza iiakhawunti zokonga. Uninzi lwezi nkampani zibonelela ngokungafihlisiyo kubandakanya uthelekiso lwezicwangciso zabo ukuze abathengi baqonde ukhetho lwabo.

Ukuba unayo i-MSA, imbewu ye-Medicare iakhawunti enexabiso elithile ekuqaleni konyaka. Le mali iya kuba yidiphozithi ebalulekileyo, kodwa ayiyi kugubungela yonke imali yakho.

Imali efakwe kwi-MSA yakho ayihlawuliswa rhafu. Ngethuba nje usebenzisa imali kwi-MSA yakho kwiindleko zokunakekelwa kwezempilo ezifanelekileyo, akunakho ukuhlawula irhafu. Ukuba kuya kufuneka ukhuphe imali kwi-MSA yakho ngendleko ezinxulumene nezempilo, isixa sokurhoxa sixhomekeke kwirhafu yengeniso kunye nezohlwayo zepesenti ezingama-50.

Ekupheleni konyaka, ukuba kukho imali eseleyo kwi-MSA yakho, iseyimali yakho kwaye iqengqeleka kunyaka olandelayo. Inzala inokuqokelelwa kwimali kwi-MSA.

Nje ukuba ufikelele ekunciphiseni kwakho unyaka nonyaka usebenzisa i-MSA, zonke iindleko zonyango lwakho ezifanelekileyo zonyango ziyagutyungelwa ukuphela konyaka.

Izicwangciso zombono, izixhobo zokuvalelwa, kunye nokugutyungelwa kwamazinyo kunikezelwa ukuba uthatha isigqibo sokuhlawula ipremiyamu eyongezelelweyo, kwaye ungasebenzisa iMSA kwiindleko ezinxulumene noko. Ezi ntlobo zeenkonzo zempilo azibaleki kwi-deductible yakho. Unonophelo kunye nokundwendwela impilo kunokugutyungelwa ngaphandle kokutsalwa kwakho.

Ukugqunywa ngamayeza amiselweyo, ekwabizwa ngokuba yiMedicare Part D, ayigqunywa ngokuzenzekelayo phantsi kweMSA. Unokuthenga i-Medicare Part D yokugubungela ngokwahlukeneyo, kwaye imali oyichitha kumayeza amiselweyo isengaphuma kwiakhawunti yakho yokugcina imali.

Nangona kunjalo, ii-copays kwiziyobisi aziyi kubalelwa ekunciphiseni kwakho. Baza kubala bejonge kwi-Medicare Part D's out-of-pocket limit limit (TrOOP).

Izibonelelo zeakhawunti yokonga iMedare

• I-Medicare ixhasa iakhawunti, ikunika imali minyaka le ukuya kutsalwa.
• Imali kwi-MSA ayihlawulelwa rhafu ukuba nje uyisebenzisela iindleko zakho zokhathalelo lwempilo.
• Ii-MSAs zinokwenza izicwangciso ezinokutsalwa okuphezulu, ezihlala zibonelela ngokugubungela ngokubanzi kunonyango lwangaphambili, olunokwenzeka ngokwezemali.
• Emva kokudibana nokutsalwa kwakho, awunyanzelekanga ukuba uhlawule ukhathalelo olugqunywe phantsi kweCandelo leMedicare A kunye neCandelo B.

Ukungancedi kwiakhawunti yokonga iMedare

• Ixabiso elitsalwayo liphezulu kakhulu.
• Ukuba ufuna ukuthatha imali kwi-MSA yakho ngeendleko ezingezizo ezempilo, izohlwayo ziqinile.
• Awunakho ukongeza nayiphi na imali yakho kwi-MSA.
• Emva kokuba udibene nokutsalwa kwakho, kusafuneka uhlawule ipremiyamu yakho yenyanga.

Ngubani ofanelekileyo kwiakhawunti yokonga iMedare?

Abanye abantu abakulungeleyo ukufumana amayeza abafanelekanga kwiakhawunti yokonga iMedare. Awufanelanga ukufumana i-MSA ukuba:

• ulungele iMedicaid
• ukwindawo yokugcina abantu abagulela ukufa
• unesifo se-renal sokuphela
• sele unayo i-inshurensi yezempilo eya kuthi igubungele konke okanye inxenye yokutsalwa kwemali yonyaka
• uhlala ngaphandle kweUnited States isiqingatha sonyaka okanye ngaphezulu

Igquma ntoni iakhawunti yokonga iMedare?

Iakhawunti yokonga iMedare iyadingeka ukukhusela nantoni na enokuthi igutyungelwe yiMedicare yoqobo. Oko kubandakanya i-Medicare Part A (ukhathalelo lwesibhedlele) kunye ne-Medicare Icandelo B (ukhathalelo lwempilo yezigulana ezingalaliswayo).

Kuba izicwangciso zeakhawunti yokulondolozwa kwe-Medicare zizicwangciso ze-Medicare Advantage (i-Medicare Icandelo C), uthungelwano loogqirha kunye nokugubungela ukhathalelo lwempilo kunokuba ngaphezulu kunokuba kunjalo kwi-Medicare yoqobo.

Iakhawunti yokonga iMedare ayifihli ngokuzenzekelayo umbono, amazinyo, amayeza amiselweyo, okanye izixhobo zokuva. Unokongeza ezi ntlobo zokugubungela kwisicwangciso sakho, kodwa ziya kufuna ipremiyamu eyongezelelweyo yenyanga.

Ukubona ukuba zeziphi ezinye izicwangciso zeinshurensi ezikhoyo kwindawo yakho ukuba une-MSA, nxibelelana nenkqubo yoncedo lweinshurensi yezempilo (SHIP).

Inkqubo yezithambiso kunye nokukhetha ayigutyungelwanga yiakhawunti yokonga yeMedare. Iinkonzo ezinganikwanga ngugqirha, ezinje ngenkqubo yokhathalelo lwempilo olupheleleyo, iyeza elingelinye, kunye nezongezo zesondlo, azigutyungelwanga. Unyango lomzimba, iimvavanyo zokuqonda isifo, kunye nokunakekelwa kwe-chiropractic kunokugutyungelwa kwimeko-nge-imeko.

Ixabisa malini iakhawunti yokonga iMedare?

Ukuba unayo i-akhawunti yokonga iMedare, kusafuneka uhlawule ipremiyamu yakho yenyanga eyi-Medicare Part B.

Kuya kufuneka uphinde uhlawule ipremiyamu ukuze ubhalise kwi-Medicare Part D ngokwahlukeneyo, kuba iiakhawunti zokonga zeMedare azibhataleli amayeza amiselweyo kwaye kulindeleke ngokusemthethweni ukuba ubenayo le inshorensi.

Nje ukuba ufumane idiphozithi yakho yokuqala, ungahambisa imali kwiakhawunti yakho yokonga iMedare kwiakhawunti yokonga enikezwe liziko lezemali elahlukileyo. Ukuba ukhetha ukwenza oku, unokulawulwa yimithetho yebhanki malunga neebhalansi ezincinci, iimali zokudlulisa, okanye inzala.

Kukwakho nezohlwayo kunye nemirhumo yokukhupha imali ngayo nayiphi na into ngaphandle kweendleko zezempilo ezivunyiweyo.

Ndingabhalisa nini kwiakhawunti yokonga iMedare?

Ungabhalisa kwiakhawunti yokonga iMedare ngexesha lonyulo lonyaka, phakathi kukaNovemba 15 noDisemba 31 wonyaka ngamnye. Unokuphinda ubhalise kule nkqubo xa uqala ukubhalisela i-Medicare Icandelo B.

Uphi iakhawunti yokulondolozwa kwamayeza okulungeleyo?

Ngaphambi kokuba ubhalise kwi-MSA, kukho imibuzo emibini ebalulekileyo ekufuneka uyibuze:

• Iya kuba yintoni inciphiso? Izicwangciso ezinee-MSAs zihlala zinokutsalwa okuphezulu kakhulu.
• Iyakuba yintoni idipozithi yonyaka evela kwi-Medicare? Ukukhupha idiphozithi yonyaka kwixabiso elixhuzuliweyo kwaye unokubona ukuba ungakanani uxhuzulo oza kuba noxanduva kulo ngaphambi kokuba i-Medicare igubungele ukhathalelo lwakho.

Umzekelo, ukuba i-deductible iyi- $ 4,000 kwaye i-Medicare inegalelo kwi-1 000 kwi-MSA yakho, uya kuba noxanduva lwe-3,000 eseleyo epokothweni ngaphambi kokuba ukhathalelo.

Iakhawunti yokonga iMedare inokuba sengqiqweni ukuba uchitha imali eninzi kwiipremiyamu eziphezulu kwaye unokukhetha ukwahlula ezo ndleko kwi-deductible. Nangona ukutsalwa okuphezulu kunokunika ukothuka ekuqaleni, ezi zicwangciso ziyayichitha inkcitho yakho yonyaka ukuze ube nombono ocacileyo wobungakanani bemali onokuhlawula ngayo.

Ngamanye amagama, i-MSA inokuzinzisa ukuba uchitha malini na kwezonyango minyaka le, nto leyo exabisa kakhulu xa kuthelekiswa noxolo lwengqondo.

Ukuthatha

Ama-akhawunti okonga ama-Medicare enzelwe ukunika abantu abane-Medicare uncedo ngonciphiso lwabo, kunye nolawulo oluthe kratya malunga nokuba bachitha malini kwezempilo. Ukutsalwa kwezi zicwangciso kuphezulu kakhulu kunezicwangciso ezinokuthelekiswa. Kwelinye icala, ii-MSAs ziqinisekisa ukuba kukho idipozithi ebalulekileyo, engahlawulisi rhafu kwi-deductible yakho minyaka le.

Ukuba ucinga iakhawunti yokonga iMedare, unokufuna ukuthetha nomcwangcisi wezemali okanye utsalele umnxeba kuncedo lweMedicare (1-800-633-4227) ukubona ukuba ikulungele na.

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.