Ngaba i-Medicare ibonelela ngeMeko yokuGcina amaqabane?

Umxholo

• Yeyiphi imigaqo ngokubhekisele kwi-Medicare yokugubungela kunye nabatshatileyo?
• Kuthekani ukuba iqabane lam lidala kunam, kwaye bahlangabezana neemfuno zekota ezingama-40?
• Kuthekani ukuba iqabane lam lidala kunam, kwaye ndihlangabezana neemfuno zekota ezingama-40?
• Ngaba ikhona eminye imigaqo yomlingane okanye izibonelelo?
• Ngawaphi amacandelo eMedare endinokwabelana ngawo neqabane lam?
• Ziziphi iziseko zeMedare?
• Yiyiphi iminyaka yokufaneleka kwi-Medicare?
• Ixesha elibekiweyo leMedicare
• Ukuthatha

I-Medicare yinkqubo ye-inshurensi yomntu ngamnye, kodwa kukho amaxesha apho ukufaneleka kwelinye iqabane kunokunceda elinye lifumane izibonelelo ezithile.

Kwakhona, isixa semali osenzayo kunye neqabane lakho zidityanisiwe inokuchaphazela iipremiyamu zakho ze-inshurensi zeMedicare Part B.

Qhubeka ufunda ukuze ufumane ukuba wena okanye iqabane lakho ninokwazi njani ukufumana i-Medicare ngokusekwe kwimbali yomsebenzi kunye nobudala.

Yeyiphi imigaqo ngokubhekisele kwi-Medicare yokugubungela kunye nabatshatileyo?

I-Medicare sisibonelelo sabantu abasebenza kwaye bahlawula irhafu yoKhuseleko lweNtlalo ubuncinci ikota engama-40 yomsebenzi, emalunga neminyaka elishumi.

Ukuba iqabane lomntu alisebenzi, basenokufanelekela i-Medicare Part A ngokusekwe kwimbali yomsebenzi weqabane labo xa beneminyaka engama-65.

Ukulungela i-Medicare Part A izibonelelo xa uneminyaka engama-65 ngokusekwe kwimbali yomsebenzi weqabane lakho, kufuneka uhlangabezane nenye yezi mfuno zilandelayo:

• Utshatile neqabane lakho elilungele izibonelelo zoKhuseleko lweNtlalo ubuncinci unyaka omnye ngaphambi kokufaka isicelo seziBonelelo zeNtlalo.
• Uqhawule umtshato, kodwa utshatile neqabane lakho ubuncinci iminyaka eli-10 elungele ukufumana izibonelelo zoKhuseleko lweNtlalo. Kuya kufuneka ngoku ungatshatanga ukufaka isicelo sezibonelelo zeMedare.
• Ungumhlolokazi, kodwa utshatile ubuncinci iinyanga ezili-9 ngaphambi kokuba iqabane lakho lisweleke, kwaye bakulungele ukufumana izibonelelo zoKhuseleko lweNtlalo. Kufuneka ube ungatshatanga.

Ukuba awuqinisekanga ukuba uhlangabezana neemfuno ezithile, ungaqhagamshela uLawulo loKhuseleko loLuntu ngokubiza u-800-772-1213. Unokutyelela i-Medicare.gov kwaye usebenzise i-calculator yokufaneleka.

Kuthekani ukuba iqabane lam lidala kunam, kwaye bahlangabezana neemfuno zekota ezingama-40?

Ukuba iqabane lakho lidala kunawe, baya kulungela izibonelelo zeMedicare kwiminyaka engama-65.

Unokwazi ukufumana izibonelelo ze-Medicare ngaphambili kwangoko ukuba uneminyaka engama-62 ubudala, utshatile nomntu oneminyaka engama-65 ubudala, kwaye usebenze kwiikota ezingama-40 kwaye uhlawule irhafu ye-Medicare.

Ukuba awuzifezekisi ezi mfuno, usenokukwazi ukufumana isiQinisekiso seMedicare A, kodwa kuya kufuneka uhlawule ipremiyamu yesiGaba A de ube uneminyaka engama-62.

Ukuba awuzange usebenze okanye uhlangabeze iimfuno zekota ezingama-40, kuya kufuneka ulinde de kube yiminyaka engama-65 ukuze ufumane ingxelo phantsi kwezibonelelo zeqabane lakho.

Kuthekani ukuba iqabane lam lidala kunam, kwaye ndihlangabezana neemfuno zekota ezingama-40?

Ngoku makhe sijonge xa ​​iqabane lakho likhulile kunawe kwaye iqabane lakho lingadibananga neemfuno zekota ezingama-40, kodwa wena uyakwenza oko.

Xa uneminyaka engama-62 kwaye iqabane lakho lineminyaka engama-65, iqabane lakho linokufumana izibonelelo ze-Medicare ezingenasimahla.

Kude kube uneminyaka engama-62, iqabane lakho lingafumana i-Medicare Part A, kodwa kuya kufuneka lihlawule iipremiyamu ukuba azifezekisi iikota ezingama-40 zomsebenzi.

Ngaba ikhona eminye imigaqo yomlingane okanye izibonelelo?

Kubalulekile ukuba wazi ukuba ukuba iqabane lakho liphulukana ne-inshurensi yabucala okanye yabasebenzi kwaye awukabi naminyaka ingama-65, kusekho iinkqubo zeinshurensi ezinokukunceda.

Ungaqhagamshelana neNkqubo yoNcedo lweinshurensi yezeMpilo kaRhulumente (i-SHIP) ukuze ufumane iingcebiso ngezempilo.

Unokufumanisa ukuba inqanaba lakho lomvuzo okanye impilo ikulungele na kwezinye iinkqubo zoncedo ezifana neMedicaid.

Ngawaphi amacandelo eMedare endinokwabelana ngawo neqabane lam?

Izibonelelo zomlingane zisebenza ngokuthe ngqo kwiCandelo A le-Medicare (qhubeka ufunda ukuze ufumane inkcazo yokuba zonke iindawo zigubungela ntoni).

Awunakho ukuthenga ukogquma isibini sayo nayiphi na enye icandelo leMedicare. Kuya kufuneka uhlawule ezinye iinxalenye zomgaqo-nkqubo wakho.

Nangona kunjalo, kubalulekile ukuqwalasela zonke iinketho zakho zokugubungela iMedare kwaye yintoni eza kusebenza ngcono kwiimfuno zakho. Olunye lolu khetho yi-Medicare Advantage (Icandelo C), elihlanganisa zombini iCandelo A kunye neCandelo B kunye kunye nokubonelela ngeenkcukacha ezongezelelweyo kunye nezibonelelo.

Ukuba ukhuseleko olongezelelekileyo, njengamazinyo, umbono, okanye ukhathalelo lokuva, kubalulekile ukugcina impilo yakho, cinga ukuba ingaba i-Medicare yoqobo okanye i-Medicare Advantage iyakusebenzela ngcono.

Ziziphi iziseko zeMedare?

Urhulumente wobumbano uyile i-Medicare ukuba ifane nemenyu ye "a la carte" apho unokukhetha khona iintlobo ezahlukeneyo zokugubungela.

Ezi ntlobo zokugubungela zibandakanya:

• Icandelo A. Icandelo A libonelela ngokuhlala esibhedlele kwabaguli kunye neenkonzo ezinxulumene noko ngelixa usesibhedlele, njengokutya, amayeza, kunye nonyango lomzimba.
• Icandelo B. Icandelo B libonelela ngogqirha onyango olungaphandle kotyelelo kunye neenkonzo zonyango ezinxulumene nezigulana. Kuya kufuneka uhlawule ipremiyamu yenyanga kule nkonzo, kwaye ixhomekeke ekubeni wena neqabane lakho nenza malini ngonyaka.
• Icandelo C. Icandelo C likwabizwa ngokuba yiMedicare Advantage. Ezi ndidi zesicwangciso zidibanisa iinkonzo ezivela kwiCandelo A kunye neCandelo B, kodwa banokuba nemithetho eyahlukeneyo kunye neemfuno malunga nabanikezeli bezempilo kunye namaziko onokufumana ukhathalelo kuwo. Ezi zibonelelo zinokubandakanya iinkonzo ezongezelelweyo, ezinje ngombono kunye namazinyo.
• Icandelo D. Icandelo D libonelela ngogqirha ngokugubungela izixa ngezixa ezahlukeneyo. Uthenga le migaqo-nkqubo ngokusebenzisa i-inshurensi yabucala.
• IMedigap. I-Medigap, ekwabizwa ngokuba zii-Medicare Supplement Plans, inokugubungela ezinye zeendleko eziqhelekileyo zokuphuma epokothweni nge-Medicare kwaye inikezelwa nge-inshurensi yabucala. Imizekelo ibandakanya ukuhlawula intlawulo ye-inshurensi.

Unelungelo lokufumana isibonelelo seqabane kwiCandelo leMedicare A. Amanye amacandelo eMedicare awadingi kwimbali yomsebenzi, kwaye baneeprimiyamu ezinxulumene nokugubungela.

Yiyiphi iminyaka yokufaneleka kwi-Medicare?

Kwiimeko ezininzi, umntu ufanelekile kwi-Medicare xa eneminyaka engama-65 ubudala.

Kukho ukungafani, kubandakanywa nabantu abangaphantsi kweminyaka engama-65 abo ugqirha abonwa njengabantu abakhubazekileyo, banesifo sokugqibela sesifo (ESRD), okanye bane-amyotrophic lateral sclerosis (ALS).

Abantu abahlangabezana nezi mfuno banokulungela i-Medicare Part A ngaphambi kweminyaka engama-65.

Njengoko kuchaziwe ngasentla, unokufumana i-Medicare Part A ngaphambi kweminyaka engama-65, ukuba iqabane lakho lineminyaka engama-65 kwaye lifanelekile.

Ixesha elibekiweyo leMedicare

• Malunga neminyaka engama-65 yokuzalwa kwakho. Ngokobuchwephesha uneenyanga ezisixhenxe ukubhalisa kwi-Medicare-kwiinyanga ezi-3 ngaphambi kwenyanga yakho yokuzalwa kunye neenyanga ezi-3 emva. Ungandwendwela ikhalityhuleyitha yokufaneleka kweMedicare ngemihla ethile oyinikiweyo apho usuku lwakho lokuzalwa luwela kwikhalenda.
• NgoJanuwari 1 ukuya kuMatshi 31. Abo bangabhalisanga kwi-Medicare ngexesha lefestile yabo ejikeleze iminyaka yabo yokuzalwa engama-65 bangasayina ngeli xesha "lokuBhaliswa ngokuBanzi." Kusenokufuneka bahlawule isohlwayo esongezwe kwipremiyamu yesiGaba B sokubhalisa kamva.
• Epreli 1 ukuya kuJuni 30. Ixesha lonyaka xa unokongeza i-Medicare Advantage okanye i-Medicare Part D icebo ukuba ukhetha njalo.
• Oktobha 15 ukuya kuDisemba 7. Eli lixesha lokubhaliswa okuvulekileyo ngonyaka kwi-Medicare Advantage kunye ne-Medicare Icandelo D. Izicwangciso ezintsha ziya kuqala ukusebenza ngoJanuwari 1.

Ukuthatha

Uninzi lokuqwalaselwa kweMedicare kunye nabatshatileyo bajikeleze iMedareare A, eyinxalenye yeinshurensi egubungela ukutyelelwa esibhedlele.

Ezinye iinxalenye ziyafumaneka xa umntu eneminyaka engama-65 ubudala kwaye evuma ukuhlawula ipremiyamu yeinshurensi.

Ukuba uneminye imibuzo malunga nezibonelelo zeMedicare, ungatsalela umnxeba uLawulo loKhuseleko loLuntu (SSA) apha 800-772-1213 okanye undwendwele i-ofisi ye-SSA yendawo ukuze ufumane ulwazi oluthe kratya.

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.

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