Zithini iZicwangciso zeZero Premium zeAdvantage?

Umxholo

• Ngaba izicwangciso zeprimiyamu ze-Medicare Advantage zisimahla?
• Zisebenza njani izicwangciso zeprimiyamu ye-Medicare yeNzuzo?
• Ufaneleke njani ukuba ungazithatheli iiplani zeprimiyamu yonyango?
• Ubhalisa njani kwi-Medicare Advantage (Icandelo C)?
• Ukuthatha

• Izicwangciso ezininzi ze-Medicare Advantage zine- $ 0 yenyanga yenyanga.
• Nangona kunjalo, iiplani zepremiyamu yenyanga nenyangaisenokungabi “simahla” ngokupheleleyo.
• Ngokwesiqhelo kuya kufuneka uhlawule ezinye iindleko ezinje ngee-copays, ezitsalwayo, kunye noqinisekiso lweemali, kunye nepremiyamu yesiGaba B sakho.

Ukuba uthengela isicwangciso seMedare, kunokwenzeka ukuba ubone ibinzana elithi "zero dollar premium" iqhotyoshelwe kwezinye iiplani ze-Medicare Advantage.

Uncedo lweMedicare (iCandelo leMedicare C) sisicwangciso sokhathalelo lwempilo olunikezelwa ziinkampani zeinshurensi zabucala. Kodwa ngaba ungafumana nantoni na simahla?

Masiqwalasele ngokusondeleyo kwizicwangciso ze-premium ze-Medicare Advantage nokuba ingaba le nto inokuba yinto efanelekileyo kwiimfuno zakho zokhathalelo lwempilo.

Ngaba izicwangciso zeprimiyamu ze-Medicare Advantage zisimahla?

Nangona iiplani ze-Medicare Advantage zinokuba ne-premium ye-0 yeedola, kukho ezinye izinto onokuzihlawula ngaphandle kwepokotho. Ezi ndleko zinokubandakanya:

• Ikopi. I-copayment (copay) lixabiso ohlawula ngalo inkonzo emva kokuba udibene nokutsalwa kwakho. Oku kunokuba ngaphezulu ngezicwangciso ezinepremiyamu yenyanga esezantsi, ngelixa izicwangciso zepremiyamu ephezulu yenyanga zinokuba nee-copays ezisezantsi.

• UQinisekiso. I-Coinshurensi lixabiso onoxanduva lokuhlawulela inkonzo egqunyiweyo, nasemva kokuba uhlawule irhafu yakho. Umzekelo, ukuba i-coinsurance yakho iipesenti ezingama-20, uya kuhlawula iipesenti ezingama-20 zokuqala zeemali ezifunekayo, kwaye isicwangciso sakho sezempilo siya kubandakanya yonke into.

• Ukutsalwa. Ukuxhuzulwa yimali onoxanduva lokuyihlawula ngaphambi kokuba isicwangciso sakho seinshurensi siqale ukuhlawula isabelo saso. Ukuxhuzulwa kwemali kuhlala kuphezulu ngezicwangciso ezineeprimiyamu ezisezantsi, okuthetha ukuba uya kuhlawula kancinci kwinyanga nganye kwiipremiyamu kodwa ngaphezulu epokothweni ngeenkonzo zononophelo lomntu ngamnye. Emva kokuba uhlawule yonke imali yakho, isicwangciso sakho sezempilo siya kuhlawula iindleko zeenkonzo zonyango, kodwa kusenokufuneka uhlawule ikopi okanye isiqinisekiso semali.

• Ezinye iipremiyamu zeMedicare. Ngaphandle kwesicwangciso se-Medicare Advantage, unoxanduva lokuhlawula iiprimiyamu kuwo onke amanye amalungu e-Medicare (iinxalenye A, B, kunye no-D) onokuba unazo. Uninzi lwabantu aluzihlawuli iziqendu zeCandelo A, kodwa iCandelo B linayo ipremiyamu yenyanga.

Uninzi lwezicwangciso zempilo zinesixa esikhulu ekufanele ukuba umntu asihlawule epokothweni. Nje ukuba kufikelelwe kweso sixa, isicwangciso sezempilo siya kugubungela iipesenti ezili-100 zeendleko zeenkonzo zononophelo lwempilo unyaka wonke.

Zisebenza njani izicwangciso zeprimiyamu ye-Medicare yeNzuzo?

Izicwangciso zeMedare eziluncedo zinikezelwa kuwe ngenkampani yeinshurensi yabucala. Ezi zicwangciso zithatha indawo yemveli yokugubungela i-Medicare: Icandelo A ukuba yi-inshurensi yesibhedlele, iCandelo B yi-inshurensi yezonyango, kunye neCandelo D, elinikezela ngogonyo lweziyobisi.

Ngokuxhomekeke kwisicwangciso osikhethayo, isicwangciso seMedare ye-Medicare sinokubandakanya iinkonzo ezongezelelweyo njengokuva, umbono, amazinyo, kunye nezinye iinkqubo zempilo ezingekhoyo kwiMedare yesiqhelo.

Nantsi indlela isicwangciso seprimiyamu esenziwe ngayo. Ukugcina iindleko ziphantsi, urhulumente wobumbano wenza isivumelwano neenkampani zabucala zeinshurensi ukubonelela ngesicwangciso sakho. Ngale khontrakthi, urhulumente ubhatala imali ethe tyaba kwinkampani yeinshurensi. Inkampani yeinshurensi emva koko yenza izivumelwano kunye nenethiwekhi yezibhedlele okanye ababoneleli, egcina iindleko zakho ziphantsi ukuba uhlala kwinethiwekhi.

Izicwangciso ezininzi ze-Medicare Advantage zinikezelwa kuwe nge- $ 0 yenyanga yenyanga ngenxa yezizathu ezimbalwa:

• Iindleko ziphantsi kuba i-Medicare iyavumelana ngamaxabiso kunye nenethiwekhi yababoneleli ngezempilo.
• Izicwangciso ze-Medicare Advantage zigubungela uluhlu lweenkqubo zononophelo kunye nezempilo, ezigcina abathathi-nxaxheba besempilweni. Ukuba sempilweni komthathi-nxaxheba, isezantsi iindleko zokhathalelo lwempilo yabo.
• Ukuba awusebenzisi yonke intlawulo ethe tyaba ehlawulwa yiMedicare kwinkampani yeinshurensi yabucala, loo mali ingadluliselwa njengokonga kuwe, yenza i-premium yakho $ 0 ngenyanga.

Ufaneleke njani ukuba ungazithatheli iiplani zeprimiyamu yonyango?

Unelungelo lokufumana isicwangciso se-premium se-Medicare Advantage xa ​​uhlangabezana neemfuno zokufaneleka kwenkqubo ye-Medicare. Kufuneke u:

• ube neminyaka engama-65 okanye ngaphezulu
• babhalise kwicandelo leMedicare A kunye no-B
• hlala kwindawo yokugubungela nasiphi na isicwangciso osikhethayo

Ubhalisa njani kwi-Medicare Advantage (Icandelo C)?

Ukubhalisela isicwangciso se-Medicare Advantage, yiya kwiwebhusayithi ye-Medicare.gov kwaye usebenzise isixhobo sokufumana isicwangciso. Icandelo C lokunikezelwa kwesicwangciso kuyahluka ngokwaseburhulumenteni, kodwa esi sixhobo sikuvumela ukuba ukhangele izicwangciso ezikhoyo kwindawo yakho ngokufaka ikhowudi yakho ye-ZIP.

Kukho amaxesha athile obhaliso kwizicwangciso ezahlukeneyo zeMedicare:

• Ixesha lokubhalisa lokuqala. Ungaqala ukubhalisa kumacandelo e-Medicare A kunye no-B kwiinyanga ezi-3 ngaphambi kokuba ube neminyaka engama-65 ukuya kuthi ga kwiinyanga ezi-3 emva kokuzalwa kwakho kwama-65.
• Ubhaliso oluvulekileyo. Ukuba ujonge ukwenza utshintsho kubhaliso lwakho olukhoyo lwe-Medicare A okanye B, okanye ungaphezulu kweminyaka engama-65 kodwa usadinga ukubhalisa, ixesha lokubhalisa elivulekileyo li-Okthobha u-15 ukuya ku-Disemba 7 minyaka le.
• Uncedo lweMedicare lubhaliso oluvulekileyo. Oku kwenzeka rhoqo ngonyaka ukusukela nge-1 Januwari ukuya ku-Matshi 31 kwaye kukuvumela ukuba utshintshe ukusuka kwisicwangciso seCandelo C ukuya kwelinye.

Ukuba unceda umntu obathandayo ukuba abhalise kwi-Medicare, khumbula:

• ukuqokelela amaxwebhu abalulekileyo, anje ngekhadi lokhuseleko loluntu kunye nawo nawaphi na amanye amaxwebhu esicwangciso seinshurensi
• thelekisa izicwangciso ezikwi-intanethi ngesixhobo sokufumana isicwangciso se-Medicare.gov okanye ngokusebenzisa iwebhusayithi oyithandayo yenkampani yeinshurensi

Ukuthatha

Izicwangciso zeprimiyamu ye-Medicare Advantage zinokuba lukhetho olukhulu kubantu abajonge nokuba yinyanda okanye bongeze i-Medicare yabo ekhoyo. Qiniseka ukuba ucwangcisa izicwangciso ngocoselelo phambi kokukhetha enye ukuze uqiniseke ukuba igubungela yonke into oyifunayo.

Eli nqaku lahlaziywa ngo-Novemba 13, 2020 ukubonisa ulwazi lwango-2021 lonyango.

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.