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Umhlahlandlela wakho wokubhaliswa okuvulekile kwe-Medicare

Umhlahlandlela wakho wokubhaliswa okuvulekile kwe-MedicareInkampani

Ukubhalisa okuvulekile kuyigama lokunakekelwa kwezempilo elibhekise enkathini minyaka yonke lapho ukwazi ukubhalisa okusha, noma ushintshe uhlelo lwakho lomshuwalense wezempilo olukhona.

Ungaqala bhalisa kwi-Medicare isikhathi esiyizinyanga eziyisikhombisa esiqala ezinyangeni ezintathu ngaphambi kosuku lwakho lokuzalwa lwama-65, noma isikhathi esibekiwe ngemuva kokufanelekela ukukhubazeka. Noma, uma usebenza ngaphezu kweminyaka yobudala engama-65, unesikhathi sokubhalisa esikhethekile sezinyanga eziyisishiyagalombili ngemuva kokushiya uhlelo lwakho oluxhaswe ngumqashi. Lezi zikhathi ezimbili zokubhaliswa kweMedicare zihlukile kunokubhaliswa okuvulekile kweMedicare.



Ngabe ukubhaliswa okuvulekile kuvulwa nini?

Ukubhaliswa okuvulekile kweMedicare kwenzeka phakathi Okthoba 15 uku Disemba 7 njalo ngonyaka. Ukutholakala kwakho okusha kwe-Medicare kuzoqala ngoJanuwari 1 ngonyaka ozayo.

Isikhathi senzelwe ukukunika isikhathi esiningi sokukhetha uhlelo olufanele, ngenkathi uqinisekisa ukuthi ababhalisile banamakhadi abo amasha wobulungu ngesikhathi izinhlelo ezintsha ziqala.

imiphi imithi ephephile ukuyiphuza ngesikhathi ukhulelwe

Yimake kusihleli sakho, noma usethe umcimbi ovela kaningi wekhalenda le-Google. Izinsuku aziguquki unyaka nonyaka.



Siyini isikhathi sokubhalisa esivulekile seMedicare?

Izinhlelo zeMedicare ziyashintsha unyaka nonyaka. Lokho kusho ukuthi odokotela namakhemisi afakwe kwinethiwekhi, noma izindleko zokutholakala kwezempilo zingahluka. Futhi kanjalo nezimo zakho zomuntu siqu. Mhlawumbe unesimo esisha sezempilo esiza nomuthi omusha, futhi lokho kuguqula uhlelo lwakho lokuyalelwa. Noma, mhlawumbe uke wahlinzwa muva nje, futhi ukutakula kwakho kudinga ongoti abasha abangaphandle kokumboza kwakho. Kungenzeka, unohlelo lwezinkanyezi ezimbili, futhi ubone ukuthi ufuna ukuthuthukela kuhlelo lwezinkanyezi ezi-5.

Njalo ngonyaka, izinhlelo zikaPart D nezidakamizwa zeMedicare Advantage zingashintsha izinto eziningi ngokumbozwa, kuchaza uDiane Omdahl,umongameli nomsunguli we 65 Kuhlanganisiwe , insizakalo yokuqondiswa kweMedicare. Uyaqhubeka,Izinguquko ezingenzeka ekusetshenzisweni kwemithi kadokotela Ingxenye D zifaka:

  • imali ekhokhwayo
  • i-formulary yayo
  • isigaba somuthi
  • imali ebanjwayo yonyaka
  • ama-copayments noma i-coinsurance
  • imithetho yokubika (ukwelashwa kwesinyathelo, ukugunyazwa kwangaphambili)
  • inethiwekhi yamakhemisi
  • izilinganiso zezinkanyezi

U-Omdahl uchaza ukuthi izinhlelo ze-Medicare Advantage nazo zingashintsha imininingwane mayelana nokutholakala kwezinzuzo zezempilo, kufaka phakathi:



  • imali ekhokhwa njalo ngenyanga
  • umkhawulo wonyaka wokusetshenziswa kwemali ephaketheni
  • ukukhishwa kwezokwelapha minyaka yonke
  • izindleko ezikhishwa ephaketheni (ama-copayments, i-coinsurance, izindleko zezidakamizwa)
  • inethiwekhi yabahlinzeki
  • izinkanyezi (ikhwalithi) izilinganiso
  • izinzuzo ongazikhethela, ezifana nombono noma ukumbozwa kwamazinyo

Ukubhalisa okuvulekile yisikhathi sokwenza ushintsho ukuze umshwalense wakho ubonise isimo sakho esisesikhathini. Ungashintsha kusuka ku-Original Medicare uye kwi-Medicare Advantage, ushintshe izinhlelo ze-Medicare Advantage, noma ubhalise okusha noma ushintshe uhlelo olukhona lwemithi kadokotela olutholakala ngeMedicare Part D.

kungani odokotela bengasabeki i-metformin?

OKUSHIWO: Ngingayisebenzisa i-SingleCare uma ngikwi-Medicare?

Wazi kanjani uma udinga ukushintsha izinhlelo ze-Medicare?

Kuhlale kungumbono omuhle ukubuyekeza izinto uhlelo lwakho lwamanje oluthumela kuzo ukuze uqiniseke ukuthi alukho ushintsho olusebenza kuwe, olufana nokuthiUbufakazi bokutholakala (i-EOC) kanye nesaziso sonyaka soshintsho (ANOC). Uma ukwenzile lokho, futhi ujabulile ngokubika kwakho noma izidingo zakho azikashintshi, akudingeki wenze lutho ngesikhathi sokubhaliswa okuvulekile.



Uma uhlelo lwakho lunqanyuliwe, kufanele uthole isaziso sokungavuselelwa ngo-Okthoba 2 kusuka kumphathi wakho.

Yiziphi izinhlelo ze-Medicare ezitholakalayo?

Ungaqala ukubuyekeza izinketho zohlelo zokubhaliswa okuvulekile ngo-Okthoba 1. Kukhona okusha Isitholi sohlelo lweMedare ithuluzi le-2020, ngakho-ke ngaphandle kokuthi ukhetha ukusebenzisa ithuluzi elidala, isayithi lizobukeka lihluke kancane. Ezinye zezinhlelo zibandakanya:



  • Uhlelo lweMedigap
  • Inqubomgomo yeMedigap
  • Ingxenye yeMedicare A
  • Ingxenye yeMedare B
  • Ingxenye B premium
  • Ingxenye yeMedicare C
  • Uhlelo lwe-Medicare supplement

Ungaqhathanisa izinketho zokuhlanganisa ngokuvakashela I-Medicare.gov noma ushayele ku-1-800-MEDICARE. Ungasho umenzeli nganoma yisiphi isikhathi ukukhuluma nommeleli. Noma, uma ungaqiniseki ukuthi wenzeni, kungahle kube ne- inhlangano yokuzithandela , njenge UMKHUMBI , endaweni yangakini esiza abantu abadala ekubhaliseni uhlelo oluhle kakhulu lweMedicare.

Ingabe ukubhaliswa okuvulekile kweMedicare kuyafana nokubhaliswa okuvulekile kwe-ACA?

Imakethe yezinhlelo zokunakekelwa kwezempilo okungabizi kakhulu nayo inesikhathi sokubhaliswa esivulekile. Lezi zinhlelo zezempilo zenzelwe abantu abangaphansi noma abangaqinisekisiwe, futhi ngokuvamile akuzona ezabantu abafanelekele ukuthola iMedicare.



Kuthiwani uma uphuthelwa ukubhaliswa kokuqala noma okuvulekile?

Uma ungazange ubhalisele i-Medicare ngesikhathi sakho sokuqala sokubhalisa futhi ungafaneleki isikhathi sokubhalisa esikhethekile, ungabhalisa ngesikhathi se- isikhathi sokubhaliswa okujwayelekile kusuka ngoJanuwari 1 kuya kuMashi 31 minyaka yonke, noma ungakhokha inhlawulo noma amaprimiyamu aphezulu ngokubhaliswa sekwedlule isikhathi.

Kusukela ngo-2019, ungashintsha futhi kusuka ku-Medicare Advantage uye ku-Original Medicare noma ushintshele kuhlelo oluhlukile lwe-Medicare Advantage ngalesi sikhathi.