Ixesha elibekiweyo leMedicare: Ngaba ubhalisela nini i-Medicare?

Umxholo

• Ndifanele nini ukubhalisela i-Medicare?
• Iminyaka yakho
• Ukuba ukhubazekile
• Ubumi bakho
• Ukuba unomlingane
• Ufaneleke nini kwicandelo ngalinye okanye ucwangcise kwi-Medicare?
• Icandelo lezaMayeza A
• Icandelo leMedare B
• Icandelo leMedicare C (Uncedo lweMedicare)
• Icandelo leMedare D
• Unyango lweMedare (iMedigap)
• Yeyiphi imihla ebekiweyo yokubhalisa kwiindawo zeMedare kunye nezicwangciso?
• Ubhaliso lokuqala lwamayeza
• Ubhaliso lweMedigap
• Ubhaliso lwasemva kwexesha
• Ubhaliso kwiCandelo D
• Ubhaliso olulodwa
• Ukuthatha

Ukubhalisa kwi-Medicare akusoloko kuyinkqubo enye neyenziweyo. Nje ukuba uvumeleke, kukho amanqaku amaninzi onokuthi ubhalisele kuwo onke amalungu e-Medicare.

Uninzi lwabantu, ukubhalisela i-Medicare kwenzeka ngexesha leenyanga ezi-7 zobhaliso lokuqala (IEP). IEP iqala kwiinyanga ezi-3 phambi kokuba ube neminyaka engama-65 kwaye iyaqhubeka kangangeenyanga ezi-3 emva komhla wokuzalwa kwakho.

Ngaphandle kwesi sihlandlo engqondweni, ukufumana i-Medicare ngokuchanekileyo kunokudideka, kwaye kunokuhlawula iindleko xa uhlawulwa.

Kule nqaku, siza kunika ulwazi oluthile malunga nokufaneleka kwakho kunye nexesha lokubhalisela i-Medicare.

Ndifanele nini ukubhalisela i-Medicare?

Ukuba ngoku ufumana izibonelelo zoKhuseleko lweNtlalo kwaye ungaphantsi kweminyaka engama-65, uya kubhaliswa ngokuzenzekelayo kumacandelo e-Medicare A no-B xa uneminyaka engama-65. Ukuba awufuni ukuba ne-Medicare Part B, ungayala ngela xesha.

Ukuba okwangoku awufumani Ukhuseleko lweNtlalo, kuya kufuneka ubhalise ngokubonakalayo kwiMedicare.

Nje ukuba wazi izinto ezenziwayo kunye nezingenziwayo zokubhalisa, eyona nkqubo ilula. Ezi zinto zilandelayo zibalulekile ukuba uziqwalasele xa ubhalisa kwi-Medicare.

Iminyaka yakho

Unokuba unqwenela ukubeka iivili ngokushukumisela i-Medicare nangaliphi na ixesha phakathi kweenyanga ezintathu ngaphambi kokuzalwa kwakho kwama-65. Ungasayina kwakhona ngelixa uguqula i-65, kunye nakwithuba leenyanga ezi-3 emva kwalo mhla.

Kubalulekile ukuba uqaphele ukuba ukuba ulibazisa ukusayina ukuya kuthi ga kwiinyanga ezi-3 zokugqibela ze-IEP, ukuqala kwengxelo yakho yezonyango kungalibaziseka.

Ukuba ukhubazekile

Ukuba ubusoloko ufumana izibonelelo zokukhubazeka koKhuseleko lweNtlalo okanye izibonelelo zokukhubazeka kwebhodi yomgaqo kaloliwe okungenani iinyanga ezingama-24 zilandelelana, uvumelekile ukubhalisa kwi-Medicare nangaliphi na ixesha, nokuba ungakanani.

Ukuba une-amyotrophic lateral sclerosis (ALS) okanye isifo sesibindi sokugqibela (ESRD), uyafaneleka kwi-Medicare nangaliphi na ixesha, uzimele kwiminyaka yakho.

Ubumi bakho

Ukuze ufaneleke kwi-Medicare, kuya kufuneka ubengummi wase-US okanye umhlali osisigxina wase-U.S. Ohlala ngokusemthethweni apha ubuncinci iminyaka emi-5 ilandelelana.

Ukuba unomlingane

Ngokungafaniyo nezicwangciso zeinshurensi yezempilo yabucala, iqabane lakho alinakukhuselwa phantsi kwesicwangciso sakho seMedicare.

Ukuze iqabane lakho ligutyungelwe, kufuneka bahlangabeze iimfuno ezithile zokufaneleka kweMedicare, ezinje ngeminyaka. Nje ukuba ezo mfuno zifezekiswe, banokulungela ezinye izibonelelo zeMedare ngokusekwe kwimbali yakho yomsebenzi, nokuba khange zisebenze.

Ukuba iqabane lakho lincinci kunawe kwaye liza kuphulukana neinshurensi yezempilo wakuba uye kwiMedicare, banokwazi ukuthenga i-inshurensi yezempilo ngomboneleli wabucala.

Ukuba usondela kwiminyaka engama-65 kodwa ungathanda ukuqhubeka nokhuseleko lweinshurensi yezempilo okwangoku onayo ngesicwangciso seqabane lakho, unokwenza njalo, ngaphandle kwesigwebo.

Ufaneleke nini kwicandelo ngalinye okanye ucwangcise kwi-Medicare?

Icandelo lezaMayeza A

Uvumelekile ukuba ubhalise kwi-Medicare Part A ngexesha lokuqala lobhaliso.

Uya kubhaliswa ngokuzenzekelayo uneminyaka engama-65 kwi-Medicare Part A ukuba ngoku ufumana izibonelelo zokukhubazeka koKhuseleko lweNtlalo okanye izibonelelo zokukhubazeka kwebhodi yomgaqo kaloliwe.

Icandelo leMedare B

Njengakwi-Medicare Part A, uvumelekile ukuba ubhalise kwi-Medicare Part B ngexesha lobhaliso lokuqala.

Uya kubhaliswa ngokuzenzekelayo uneminyaka engama-65 kwi-Medicare Part B ukuba ngoku ufumana izibonelelo zokukhubazeka koKhuseleko lweNtlalo okanye izibonelelo zokukhubazeka kwebhodi yomgaqo kaloliwe.

Icandelo leMedicare C (Uncedo lweMedicare)

Ukubhalisa kwiCandelo leMedicare C, kufuneka uqale ulungele, kwaye ube neendawo zeMedicare A kunye no-B.

Unokuqala ubhalisela i-Medicare Part C ngexesha lokubhalisa okokuqala okanye ngexesha lokubhalisa elivulekileyo, elenzeka enyakeni.

Ungasayinela iCandelo C le-Medicare ngexesha lokubhaliswa okukhethekileyo, emva kokuphulukana nomsebenzi owakunika ukhuseleko lwezempilo.

Ungabhalisa kwisicwangciso seMedicare Advantage nokuba ungakanani na, ukuba ufumana izibonelelo zeMedicare ngenxa yokukhubazeka, okanye ukuba une-ESRD.

Icandelo leMedare D

Ungabhalisa kwisicwangciso se-Medicare Part D seyeza xa uqala ukufumana i-Medicare ngexesha lokubhalisa okokuqala. Ukuba awubhaliseli i-Medicare Part D kwiintsuku ezingama-63 ze-IEP yakho, unokufumana isohlwayo sokubhaliswa kade. Esi sohlwayo siyakongezwa kwinyanga yakho yenyanga nenyanga.

Awuyi kuhlawula isohlwayo sokubhalisa emva kwexesha ukuba unemigqaliselo yonyango echazwe kwi-Medicare Advantage plan okanye nge-inshurensi yangasese.

Ukuba awuyithandi isicwangciso sakho samachiza sangoku, unokwenza utshintsho kwi-Medicare Part D ngexesha lokubhalisa elivulekileyo, elenzeka kabini ngonyaka.

Unyango lweMedare (iMedigap)

Ixesha lokuqala lobhaliso lwe-inshurensi yokuxhasa iMedigap ibangelwa kukuqala kwenyanga apho ujika iminyaka engama-65 ubudala kwaye ubhalisele iCandelo B. Ubhaliso lokuqala lweMedigap luhlala iinyanga ezi-6 ukusukela kuloo mhla.

Ngexesha lokubhalisa kokuqala, uya kuba nakho ukuthenga isicwangciso seMedigap kwisimo sakho ngeendleko ezifanayo nabantu abanempilo entle, nokuba unemeko yonyango.

Ababoneleli beMedigap basebenzisa ukubhala ngonyango ukunyanzelisa amaxabiso kunye nokufaneleka. Oku kuyahluka kwisicwangciso sokuyila kunye nakwilizwe lonke. Xa ixesha lobhaliso lokuqala liphela, usenokwazi ukuthenga isicwangciso seMedigap, nangona amaxabiso akho angaphezulu. Akukho siqinisekiso sokuba umboneleli weMedigap uya kukuthengisela isicwangciso ngaphandle kwexesha lokubhalisa lokuqala.

Yeyiphi imihla ebekiweyo yokubhalisa kwiindawo zeMedare kunye nezicwangciso?

Ubhaliso lokuqala lwamayeza

Ubhaliso lokuqala lwe-Medicare lixesha leenyanga ezi-7 eziqala iinyanga ezintathu ngaphambi kokuzalwa kwakho kwama-65, kubandakanya inyanga yakho yokuzalwa, kwaye iphela kwiinyanga ezi-3 emva kosuku lwakho lokuzalwa.

Ubhaliso lweMedigap

Umhla wokugqibela wokuthenga i-inshurensi yokuxhasa iMedigap kumaxabiso aqhelekileyo ziinyanga ezi-6 emva kosuku lokuqala lwenyanga uguqula iminyaka engama-65 kunye / okanye ubhalisele iCandelo B.

Ubhaliso lwasemva kwexesha

Ukuba awuzange ubhalisele i-Medicare xa wawufanelekile, usengabhalisa kumacandelo e-Medicare A kunye no-B okanye kwisicwangciso se-Medicare Advantage ngexesha lokubhaliswa ngokubanzi, nangona izohlwayo ziya kuthi zongezwe kwiindleko zenyanga iipremiyamu.

Ubhaliso ngokubanzi lwenzeka rhoqo ngonyaka ukusuka nge-1 kaJanuwari ukuya kwi-Matshi 31.

Ubhaliso kwiCandelo D

Ukuba awuzange ubhalisele i-Medicare Part D xa wawufanelekile okokuqala, ungabhalisela ixesha lokubhalisa elivulekileyo lonyaka, elenzeka ngo-Okthobha u-15 ukuya ku-Disemba 7 minyaka le.

Izicwangciso ze-Medicare Advantage ezibandakanya ukumiselwa kweziyobisi ezichongiweyo zinokuthengwa ngexesha lokubhaliswa okuvulekileyo ngonyaka okuqala ngoJanuwari 1 ukuya ku-Matshi 31.

Ubhaliso olulodwa

Ngaphantsi kweemeko ezithile, unokukwazi ukufaka isicelo emva kwexesha kwi-Medicare, ngexesha lexesha elaziwa njengexesha elilodwa lobhaliso.

Amaxesha obhaliso olukhethekileyo anokunikwa ukuba ulinde ukubhalisela i-Medicare yoqobo kuba ubuqeshwe yinkampani enabasebenzi abangaphezu kwama-20 xa uneminyaka engama-65 kwaye ubunayo i-inshurensi yezempilo eyenzelwe wena ngomsebenzi wakho, umanyano okanye iqabane lakho.

Ukuba kunjalo, unokufaka isicelo samacandelo e-Medicare A kunye no-B kwisithuba seenyanga ezili-8 emva kokuba ukhuseleko lwakho luphelile, okanye iinxalenye ze-Medicare C kunye no-D kwiintsuku ezingama-63 emva kokuba ugqumo lwakho luphelile

Izicwangciso zeCandelo D zinokutshintshwa ngexesha lobhaliso olulodwa ukuba:

• ufudusele kwindawo engasetyenziswanga sisicwangciso sakho sangoku
• Isicwangciso sakho sangoku sitshintshile kwaye asisagubungeli indawo okuyo
• ufudukele kwikhaya labadala

Ukuthatha

Ukulungela i-Medicare kuhlala kwenzeka ukuqala kwiinyanga ezi-3 ngaphambi kwenyanga oba neminyaka engama-65 ngayo. Eli xesha lokuqala lobhaliso lihlala iinyanga ezisi-7.

Kukho iimeko ezizodwa kunye namanye amaxesha obhaliso olungiselelwe wena, apho unokufumana ingxelo, ukuba uphoswa lubhaliso lokuqala.

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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