5 Iingcamango Abantu Benza Ngethuba le-Medicare Ukubhalisa Okuvulekileyo

Thatha ixesha lokwenza umsebenzi wakho wesikolo

Isikhathi sokuBhaliswa kweMatriki sikaMatriki siza nge-Oktobha 15 ukuya kuMatshi 7 ngonyaka. Le yithuba lakho elikhulu lokwenza utshintsho kwisicwangciso seMedare wena okwangoku ulungelelanisa iimfuno zakho.

Yonke inkampani yomshuwalense iya kufuna isiqwenga saloo nto kwaye oko kuthetha ukuba uya kuhlaselwa iibhengezo kunye nokukhushulwa okushiya ibhokisi lakho leposi likhangeleka njenge-Turkey. Isilingo kukuphosa onke loo maphepha kwisitya kwaye ugcine isicwangciso sakho. Oku kusenokuba yinto engcono ngaso sonke isikhathi. Unokufuna ukuthatha ixesha lokugqithisa loo ngcaciso ukuze ufumane intsebenzo engcono.

Nazi iziphoso ezinhlanu eziqhelekileyo abantu abazenzayo ngexesha le-Medicare Open Registration kunye nendlela yokuziphepha.

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Awubhalisi ukuPhakanyiswa kweMithi yeMithi

Impendulo yokuguqa ngamadolo akungathengi ukuthengiswa kwezidakamizwa kunye neCandelo le-Medicare Part D xa ungathathi unyango. Kutheni unokuhlawula iipremiyam zenyanga zento ongenayo? Ngenxa yokuba unokujamelana nobomi beCandelo D izigwebo ezinokugqibela xa ubhalisa.

Njengokuba kukho ezininzi izinto ebomini, kukho okungafaniyo. Ukuba unesiqinisekiso sokuxhatshazwa kwezidakamizwa esivela kwenye imvelaphi (isicwangciso sezempilo esixhaswe ngumqeshi, iNkonzo yezeMpilo yaseNdiya, iNkqubo yoLondolozo oluBandakanya bonke abantu abadala, i-TRICARE, okanye i-Health Centers), unokulinda ukubhalisela isicwangciso seCandelo D ngaphandle kohlwayo. Ukuxhaswa ngetyala kubhekiselele ukuba ukuthengiswa kweziyobisi kunjenge-Medicare. Ezinye izicwangciso zezempilo kufuneka zikwazise ukuba zidibana nalo mgangatho ukwenzela ukuba wenze isigqibo esinolwazi malunga nokusayina kwiCandelo D.

I-TIP: Ukuba awuthathi iyeza zonyango kwaye ungenayo i-creditable coverage kwesinye isicwangciso sezempilo, khetha isicwangciso seCandelo D kunye neprayim ephantsi kakhulu ukuze ufumane ingxelo ngexabiso elincinci.

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Awunakufunda iSaziso seNguqulelo soNyaka kwiSicwangciso sakho

Ekupheleni konyaka, i- Medicare Advantage okanye isicwangciso seCandelo D iya kuthumela iSaziso soNyaka seShintsho. Eli xwebhu luchaza ukuba yiziphi utshintsho eziza kunyaka omtsha malunga neendleko kunye neenkcukacha.

Iintlawulo zeeNyanga, ama-deductibles, i-coinsurance, kunye ne-copayments ayifumaneki kwaye ixabiso lokunyuka liyakumangalisa ukuba ufike ngoJanuwari 1 xa isicwangciso esitsha sikhaba. Ukulahlekelwa kwenkxaso kwiinkonzo okanye amayeza oyisebenzisayo ngokuthe rhoqo uya kukubiza ngakumbi kwiindleko zesikhwama.

I-TIP: Funda iSaziso sakho soNyaka soTshintsho minyaka yonke ukuqinisekisa ukuba unokukwazi ukufumana isicwangciso esilungisiweyo kunyaka ozayo kwaye uqiniseke ukuba ufunyenwe unyango lwempilo oyifunayo.

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Ubhalisela iSicwangciso esifanayo njengoMhlobo wakho okanye Umlingani

Abantu abaninzi babhalisela isicwangciso esithile sezempilo esekelwe kwiingcebiso ezivela kubantu ababaziyo. Mhlawumbi umhlobo okanye ummelwane okanye lakho iqabane liye lafumana amava amnandi ngesicwangciso. Abanye abantu banokukhetha isicwangciso esekelwe kwigama legama lakhe kunye nedumela. Nangona le nto ingahle ibenze kakuhle kumsebenzi wabathengi abalungileyo kunye neenzuzo zokufikelela , musa ukuvumela ezi ngcebiso kunye nabo ngokwabo zenze isigqibo kuwe.

Impilo yakho ihlukile kuwe. Akukho bani olwabelana ngembali yakho yonyango. Basenokungabi ngamayeza afanayo okanye basebenzise oogqirha abafanayo. Kule nkalo, iimfuno zakho zezokwelapha ziya kwahluka kwiihlobo kunye nabahlobo bakho. Kufuneka ufumane isicwangciso esifanelwe imeko yakho yokuqala.

I-TIP: Iingcebiso ezivela kwintsapho kunye nabahlobo kunokukunceda wenze isigqibo phakathi kwezicwangciso kodwa qiniseka ukuba ezi zicwangciso zihlangabezana neemfuno zakho zangaphambili kuqala.

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Musa ukuguqula ukugcina iiDokotela zakho

Ngokungafani ne-Medicare yasekuqaleni, esebenza ngokufanayo naphi na kwilizwe, i-Medicare Advantage kunye neCandelo D zicwangcisa ukusebenza kumanethiwekhi asekuhlaleni. Oko kuthetha ukuba unokusebenzisa kuphela ababoneleli ngezezempilo kuloo ntanethi okanye uza kuhlawula ukutyelelwa kwabo ngaphandle kwepokothini. Ezi ndleko zingongeza ngokukhawuleza.

IiNethwekhi zingatshintsha naliphi na ixesha. Oko kuthetha ukuba isicwangciso seMedareya singayilahla umniki-ntanethi kwi-intanethi yayo, kungekhona kuba kukho nayiphi na imiba kunye nomboneleli ngeyona nto kodwa ngenxa yokungavumelani kwiimfuno zekhontrakthi. Ukuba ufuna ukugcina imali kwaye ugcine oogqirha obaziyo kwaye uthembele, okanye ukuba kukho ugqirha ofuna ukuya kulokho akukho kwinethiwekhi yakho yangoku, unokufuna ukukhetha isicwangciso esibandakanya udokotela kwintanethi yayo.

I-TIP: Khetha isicwangciso esinabo bonke ababoneleli ngezempilo.

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Awuthengi ngeNkqubo entsha

Unokucinga ukuba sele usenaso icebo eligqibeleleyo. Yayihlanganisa yonke imfuno yakho yempilo kunyaka odlulileyo kwaye yafika ngexabiso elifanelekileyo. Kwakhona kwanikela ngenkonzo yokuncedisa amakhasimende. Ngaba oko kuthetha ukuba kuya kuba sisicebo esilungileyo kuwe kunyaka omtsha? Akunjalo.

Iinkampani zokhuseleko zineenjongo zokubonelela ngononophelo lwempilo esemgangathweni kodwa kuluntu lwentlanzi, injongo yabo enkulu kukuguqula inzuzo. Ngama-dollar kunye neentente eziqhuba umbukiso, abaqinisekiso-mali bahlalisana kunye nemakethe kwaye oku kuya kusebenza kuyo. Inyaniso kukho izicwangciso ezininzi ezinokuhlangabezana neemfuno zakho. Thatha ixesha lokuba ubone indlela abayithelekisa ngayo kwiindleko kwaye ukhethe lowo uza kukugcina imali eninzi.

I-TIP: tyelela i-https: //www.medicare.gov/find-a-plan/questions/home.aspx ukuthelekisa iindleko kunye nokukhutshwa kwezicwangciso ezahlukeneyo.

Inkohlakalo enkulu kunazo zonke

Impazamo enkulu abantu abayenzayo ngexesha lokuBhaliswa kwe-Medicare evulekile ayinakushintsha. Abantu abaninzi bathatha indlela yokungancinci kwaye bagcine izicwangciso zabo zangoku ngaphandle kophando olongezelelweyo. Kuhlala kulungele ukujonga ngokukhawuleza ukuze ubone ukuba unokufumana unyameko olungcono kwixabiso elithintekayo.