Ngaba kufuneka ndihlaziye iMedicare qho ngonyaka?

Umxholo

• Ngaba i-Medicare ihlaziya ngokuzenzekelayo rhoqo ngonyaka?
• Yintoni isaziso sokungahlaziyi?
• Sithini isaziso sonyaka sotshintsho?
• Ndisifumana njani esona sicwangciso silungileyo kum?
• Ngawaphi amaxesha obhaliso ekufuneka ndiwazi?
• Ubhaliso lokuqala
• Amaxesha onyulo oNyaka
• Ixesha lokubhalisa ngokubanzi
• Ixesha elithile lobhaliso
• Ukuthatha

• Ngaphandle kwezinto ezimbalwa, ukugubungela i-Medicare kuvuselela ngokuzenzekelayo ukuphela konyaka ngamnye.
• Ukuba isicwangciso sithatha isigqibo sokungasayi kuphinda sivumelane ne-Medicare, isicwangciso sakho asiyi kuhlaziya.
• Kukho imihla ephambili unyaka wonke xa i-inshurensi kufuneka ikwazise ngotshintsho lokhuselo kwaye xa ungabhalisela iiplani ezintsha.

Nangona kukho ukungafani okumbalwa, izicwangciso zeMedicare ngokubanzi zihlaziya rhoqo ngonyaka ngokuzenzekelayo. Oku kuyinyani kwi-Medicare yoqobo kunye ne-Medicare Advantage, Medigap, kunye ne-Medicare Part D yezicwangciso.

Eli nqaku lichaza indlela ezocwangciswa ngayo i-Medicare ngonyaka kunye nexesha lokuthathela ingqalelo ukubhalisela ukongezwa kweMedicare.

Ngaba i-Medicare ihlaziya ngokuzenzekelayo rhoqo ngonyaka?

Nje ukuba ubhalise kwi-Medicare, izicwangciso zakho zihlala zihlaziya ngokuzenzekelayo. Oku kwenzelwe ukunciphisa amaphepha ekufuneka uwahambise kwiMedicare. Makhe sijonge ukuba luhlaziyo oluzenzekelayo lunjani kwimiba nganye ye-Medicare:

• Amayeza okuqala. Ukuba unayo i-Medicare yoqobo, ikhava yakho iya kuzihlaziya ngokuzenzekelayo rhoqo emva konyaka. Ngenxa yokuba i-Medicare yoqobo ingumgaqo-nkqubo oqhelekileyo kwilizwe liphela, awuzukuba naxhala lokuba ukugubungela kwakho kuya kulahlwa.
• Uncedo lweMedicare. I-Medicare Advantage yakho, okanye i-Medicare Part C, isicwangciso siyakuhlaziya ngokuzenzekelayo ngaphandle kokuba i-Medicare irhoxise ikhontrakthi yayo nesicwangciso okanye inkampani yakho ye-inshurensi ithathe isigqibo sokungasiniki isicwangciso obhalise kuso ngoku.
• Icandelo leMedare D. Njenge-Medicare Advantage, isicwangciso sakho se-Medicare Part D (isicwangciso sonyango) kufuneka sivuselele ngokuzenzekelayo. Ngaphandle kuya kubakho ukuba i-Medicare ayihlaziyi ikhontrakthi kunye nenkampani yeinshurensi yakho okanye inkampani ayisasiniki sicwangciso.
• IMedigap. Umgaqo-nkqubo wakho weMedigap kufuneka uvuselele ngokuzenzekelayo. Nokuba utshintsho lomgaqo-nkqubo kuthetha ukuba inkampani yakho yeinshurensi ayisathengisi isicwangciso seMedigap, unokuhlala ugcina isicwangciso sakho. Nangona kunjalo, abanye abangena kwimakethi ye-Medicare abanakho ukuthenga umgaqo-nkqubo weMedigap onawo.

Nangona i-Medicare icwangcisa ngokuzenzekelayo, oku akuthethi ukuba kufuneka utsiba inyathelo lokuvavanya ukhuseleko lwakho unyaka nonyaka. Emva kwexesha, siza kugubungela ezinye iingcebiso malunga nendlela yokuqinisekisa ukuba isicwangciso sakho sisakulungele.

Yintoni isaziso sokungahlaziyi?

Uya kufumana isicwangciso seMedicare esingahlaziyiyo ngo-Okthobha ukuba inkampani yakho yeinshurensi ayisihlaziyi isivumelwano sayo neMedicare.Ukuthatha inxaxheba kwezicwangciso zezempilo akunako ukuphinda bahlaziye ikhontrakthi yabo neMedare ukuba isicwangciso siphulukene nenani elibalulekileyo lemali ngonyaka.

Isaziso sokungahlaziyi kufuneka sikwazise ukuba uyakudityaniswa ungene kwesinye isicwangciso esifana nesicwangciso sakho sangaphambili. Iinkampani zeinshurensi zikubiza oku ngokuthi "yimephu."

Ukuba awufuni ukwenza imephu kwisicwangciso esitsha seNzuzo ye-Medicare, ungathatha elinye lala manyathelo alandelayo:

• khangela kwaye ukhethe isicwangciso esitsha ngexesha lonyulo lonyaka
• ungenzi nto kwaye uvumele ukuba i-Medicare yakho ibuyele kwi-Medicare yasekuqaleni ngokungagqibekanga (kuya kufuneka uthenge isicwangciso seMedicare Part D ukuba isicwangciso sakho sangaphambili se-Medicare Advantage sasineziyobisi)

Ukuba umxhasi wesicwangciso akayivuseleli ikhontrakthi yakhe, kuya kufuneka waziswe ngezinye izicwangciso ze-Medicare Advantage ezikhoyo kwingingqi yakho.

Sithini isaziso sonyaka sotshintsho?

Kuya kufuneka ufumane isicwangciso sonyango se-Medicare sonyaka sotshintsho ngo-Septemba kwisicwangciso sakho, nokuba sisuka kwi-Medicare Advantage okanye kwi-Medicare Part D. Esi saziso siza kuchaza naluphi na olu tshintsho lulandelayo:

• Iindleko. Oku kubandakanya ukuncitshiswa, iikopi kunye neeprimiyamu.
• Ukufunda. Utshintsho lunokubandakanya iinkonzo ezintsha ezibonelelweyo kunye nokuhlaziywa kweziyobisi.
• Indawo yenkonzo. Oku kubandakanya indawo zenkonzo ezigutyungelweyo okanye inethiwekhi yenqanaba leekhemesti ezithile.

Xa isicwangciso sakho sikwazisa ngolu tshintsho, zihlala ziqala ukusebenza ngoJanuwari olandelayo. Ukuba imiba yesicwangciso sakho iyatshintsha, ziqwalasele ngononophelo ukuze uqwalasele ukuba ngaba isicwangciso sakho sisanokufikeleleka kwaye siyasebenza kwiimfuno zakho zokhathalelo lwempilo.

Ndisifumana njani esona sicwangciso silungileyo kum?

Ukukhetha esona sicwangciso sihle kakhulu yinkqubo ebodwa. Ngokuqinisekileyo uneemfuno ezizodwa zezempilo, imigqaliselo, kunye nokuba sempilweni kunye noxinzelelo kuhlahlo-lwabiwo mali. Ezinye zeendlela zokufumana ezona zicwangciso zibalaseleyo kuwe zibandakanya:

• Ukuphonononga inkcitho yakho yokhathalelo lwempilo ukusukela kunyaka ophelileyo. Ngaba ukhawuleze wadibana nokutsalwa? Ngaba iindleko ezingaphezulu kweepokotho kunokuba bekulindelwe? Qala ngokuthatha amayeza amatsha? Ukuba uphendule 'ewe' kuyo nayiphi na le mibuzo, kuya kufuneka uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde upuziwe ukuba uphendule 'ewe' kuyo nayiphi na le mibuzo, ungadinga ukuphinda uvavanye isigubungelo sakho sonyaka ozayo.
• Cinga ngezinto onazo. Yenza uluhlu loogqirha ekufuneka ubenalo kwinethiwekhi yakho, amayeza owafunayo, kunye nokuba unokuhlawula malini. Oku kunokukunceda uvavanye isicwangciso sakho sangoku kwaye ujonge naziphi na izicwangciso ezintsha ezinokuthi zihlangabezane ngcono neemfuno zakho.
• Uqwalasele ngononophelo isaziso sonyaka sotshintsho. Qiniseka ukuba usifunda ngocoselelo esi saziso. Cinga ngendlela utshintsho olunokuthi lukuchaphazele ngayo ngokuqinisekileyo okanye ngokungalunganga. Nokuba isicwangciso sakho asitshintshanga ngokuphawulekayo, isengumbono olungileyo ukuthenga ngeenxa zonke. Izicwangciso zinokutshintsha kakhulu unyaka nonyaka, ke kufanelekile ukuba uchithe ixesha elithile ngokuthelekisa izicwangciso ezahlukeneyo zeMedare.

Ngamanye amaxesha, isicwangciso sakho sangoku sesona sihle. Kodwa ukuvavanya iiplani ngokuchasene neyakho yangoku kunokuqinisekisa ukuba unogonyo olulungileyo kuwe.

Ukuba ukhetha ukutshintsha izicwangciso, ungasayina kunye nesicwangciso sakho esitsha ngexesha lokubhalisa elichongiweyo. Ukutyikitya ngesicwangciso esitsha akuyi kubhalisa kwisicwangciso sakho sangaphambili xa i-inshurensi yakho entsha iqala.

Ngawaphi amaxesha obhaliso ekufuneka ndiwazi?

Kanye njengokuba inkampani yakho yeinshurensi kufuneka ikwazise ngexesha elithile lotshintsho, uya kuba namaxesha apho ungabhalisela khona i-Medicare Advantage (okanye ubuyele kwi-Medicare yoqobo) okanye utshintshe isicwangciso sakho.

Ubhaliso lokuqala

Ixesha lokubhalisa lokuqala lixesha leenyanga ezi-7 apho ungasayina khona kwiMedicare. Oku kubandakanya iinyanga ezi-3 ngaphambi kokuzalwa kwakho kwama-65, inyanga yokuzalwa kwakho, kunye neenyanga ezi-3 emva kokuba ugqiba iminyaka engama-65.

Ukuba sele ufumana izibonelelo kuLawulo loKhuseleko loLuntu okanye kwiBhodi yoRhwebo ngoThutho, uya kubhaliswa ngokuzenzekelayo kwi-Medicare. Nangona kunjalo, ukuba awukho, ungabhalisela uLawulo loKhuseleko loLuntu.

Amaxesha onyulo oNyaka

Kwakhona kwaziwa ngokuba yi-Medicare evulekileyo yobhaliso, eli xesha liqala ngo-Okthobha u-15 ukuya ku-Disemba 7. Kulapho unokutshintsha khona ukusuka kwi-Medicare yoqobo ukuya kwi-Medicare Advantage kunye nakwi-vice-versa.

Unokutshintsha izicwangciso ze-Medicare Advantage okanye udibanise okanye ulahle i-Medicare Part D. Emva kokuba wenze utshintsho, i-coverage yakho entsha iqala ngoJanuwari 1.

Ixesha lokubhalisa ngokubanzi

Ixesha lokubhaliswa ngokubanzi liqala ngoJanuwari 1 ukuya ku-Matshi 31. Ngeli xesha, unokwenza utshintsho kwisigubungelo sakho, njengokutyikitya kwi-Medicare yoqobo, usuka kwi-Medicare Advantage uye kwi-Medicare yoqobo, okanye utshintshe isicwangciso esinye se-Medicare Advantage siye kwesinye . Awunakho, nangona kunjalo, ukutshintshela kwi-Medicare yoqobo ukuya kwi-Medicare Advantage.

Ixesha elithile lobhaliso

Unokufanelekela ukwenza utshintsho ngaphandle kwexesha lokubhaliswa kweMedicare ngexesha lokubhalisa okhethekileyo. Oku kuqhele ukwenzeka xa ulahlekelwa ngumsitho ngenxa yotshintsho kwingqesho, ukuba ufudukela kwindawo eyahlukileyo yenkonzo, okanye ungena okanye uphuma kwikhaya labalupheleyo.

Xa ufuna ukwenza utshintsho kwi-Medicare yakho, ungatyelela isixhobo sokukhangela kwi-Medicare.gov, fowunela i-Medicare ngo-1-800-MEDICARE, okanye uqhagamshelane nesicwangciso ngokuthe ngqo.

Ukuthatha

• Ukukhutshwa kwe-Medicare yakho yoqobo kuhlala kuvuselela ngokuzenzekelayo.
• Uninzi lwezicwangciso zeAdvantare ziyahlaziya kwakhona ngaphandle kokuba uthathe inyathelo.
• Ukuba i-Medicare Advantage okanye i-Medicare Part D icebo lakho alihlaziyi ikhontrakthi yayo kunye ne-Medicare, kuya kufuneka ufumane isaziso ngaphambi kwexesha lonyulo lonyaka ukuze ukhethe isicwangciso esitsha.