I-Medicare yinkqubo yoRhulumente waseburhulumenteni waseUnited States onika inkxaso nenkxaso yokufumana inkxaso yezempilo kunye nonyango. Kwaqala kuqala ngo-1965 ukubanceda abo bangenakukwazi ukufumana impilo okanye unyango lwempilo kwiminyaka yabo yomhlala-phantsi, okanye bakhubazeke ngokupheleleyo kwizifo ezithile ezifana nesifo sokuqhaqha . Namhlanje, izigidi zabantu baseMelika abaneminyaka engama-65 nangaphezulu ubudala, kwaye izigidi zabantu abatsha abahluphekayo kwezi zifo ezithile zifumana uncedo lwe-Medicare.
Ngubani ohlawula i-Medicare?
Iprogram ye-Medicare ilawulwa yiZiko leeMedare neeNkonzo zeMedicaid (i-CMS) phantsi kweSebe lezeMpilo lezeMpilo (HRS). Ixhaswa ngerhafu yombuso ngokuchithwa komvuzo ukususela ngexesha umntu oqala ukusebenza njengomntu omncinci, ngokufanelekileyo ngokuthatha umhlalaphantsi wakhe kubasebenzi. Ikwaxhaswa kwakhona neeprayimari ezihlawulwe kulabo bantu abangazange bahlawule ngokwaneleyo ngaphezu kwexesha leminyaka yokusebenza. Oko kuthetha ukuba ukuba usebenzele impilo, sele uhlawule ukufumana inkxaso ye-Medicare okanye ubuncinane inxalenye yayo.
Xa ummi waseMerika ejika iminyaka engama-65, ngoko uya kuba ngumsebenzi wokufumana inkxaso ye-Medicare ukunceda ukuhlawula impilo okanye unyango lwempilo njengoko kuyimfuneko.
Iimpawu ze-Medicare A, B, C kunye noD - Ziyintoni?
Ubungakanani buwela kwimimandla emine eyahlukeneyo, ebizwa ngokuba yi "Ingxenye." Iindawo ezahlukeneyo zibhekiselele kwiintlobo ezahlukeneyo zokuxhasa intlawulo kunye negalelo elibonelelwe ngu-Medicare:
- I-Medicare Ingxenye A isithuba esibhedlele esibhedlele, kunye noongikazi onempilo, ukunakekelwa kwezibhedlele, kunye nokunakekelwa kwempilo ekhaya
- I-Medicare Ingxenye B kukuza kutyelela kunye neenkonzo zokukhusela ezifana nokuhlolwa kokuhlola
- I-Medicare Icandelo C liyinxalenye ejongene nezicwangciso ze-Medicare Benevantage ezilawulwa ngononophelo olunikezelwa ngamashishini abucala. Ezi zicwangciso ezizikhethela ukuba izigulane ze-Medicare zingakhetha ukuhlawula ngokwahlukileyo.
- I-Medicare ICandelo D iyinkcazo yeziyobisi.
Bonke abafumana i-Medicare bafumana ubuncinane, uncedo lwenkokhelo olusisiseko lweengxenye ze-A, B, kunye no-D ezibandakanya ukuhlala esibhedlele, ukutyelela ugqirha nokuhlawula ezinye iziyobisi. Oko akuthethi ukuba bakhululekile-kuthetha nje ukuba bahlawulwa ngokukodwa, kuxhomekeke kwindlela ohlawule ngayo ngexesha lokusebenza kwakho (jonga ngezantsi) kunye nokuba yintoni ingeniso yonyaka yakho yangoku. Iindleko ezongezelelweyo ziya kuza ngefom ye-premiums kunye / okanye ukuhlawula imali.
Ubungaphantsi kweCandelo C lenza iindleko ezongezelelweyo kwaye lunokunyulwa ngabo bangakwazi ukuwufumana. Xa umntu ekhetha i-Medicare Advantage okanye i- Medigap icebo phantsi kweCandelo C, oko kuthetha ukuba baya kulawula i-inshorensi yabo yezempilo njengokuba babedlule kwiminyaka yabo ye-Medicare, ngokusebenzisa umrhumo wangasese. Nangona kunjalo, ekubeni begulane lweMedare, ukuba umhlawuli wangasese uya kubhatalwa ngeendlela ezimbini: ngabo ngabanye, kunye noburhulumente wephondo.
Ingaba I-Medicare Coverage iyindleko?
Akumangalisi ukuba ufunde ukuba impendulo kumbuzo weendleko kukuba, "kuya kuxhomekeka."
Ukuba usebenzele ubomi ngaphambi kokuba uneminyaka engama-65 ubudala, ngoko uhlawule kwi-Medicare ngokusebenzisa umqeshi wakho. Enyanisweni, uthengise i-inshorensi yempilo yakho kwiminyaka engama-65 emva kwayo yonke imali yokuhlawula oyifumene nayo.
Imali yachithwa kwingxowa yakho, kwaye ukuba kwakungekho ngokwaneleyo, ngoko uhlawule ngakumbi xa ufaka irhafu yengeniso yakho.
Ngokuxhomekeke kwizigqibo ozenzayo kulolu hlobo lwe-post-65, unakho ukuhlawula ngaphezulu kwenkxaso yakho ye-Medicare njengoko uhamba. Umzekelo, ukuba ukhetha i-Medicare Benevantage okanye icebo le-Medigap ngoko unakho ukuhlawula iiprayimari ezongezelelweyo, mhlawumbi ukwenzela ukukhutshwa okukhuselweyo. Uninzi lwezigulane ze-Medicare zihlawula iipriyamu kwaye zihlawula imali, kuxhomekeke kwingeniso yabo yonyaka. Ngokuxhomekeke kwisicwangciso seziyobisi ozikhethayo, unokuhlawula ngaphezulu okanye ngaphantsi kwezidakamizwa zemithi oyifunayo. Ukuba ufuna ukugutyungwa xa uhamba ngaphandle kwe-United States, okanye ufuna igumbi labucala kwisibhedlele, unokuhlawula ngaphezulu.
Zizo ezo zigqibo, kunye nolwalamano lwabo kwiindleko, ezenza ubhaliso oluvulekileyo kubalulekile ukususela ngoko, xa izigulane zikaMedare zikhetha ukuba zikhetha ziphi na izinto ezifunayo endaweni elandelayo kunyaka olandelayo.
Ubhaliso Oluvulekileyo Yintoni?
Kwixesha leeveki eziliqela kwikota yokugqibela yonyaka ngamnye, ngo-Oktobha ukuya kuDisemba, abo bemi abafanelekileyo kwi-Medicare kunyaka olandelayo, bangenza ukhetho malunga neenkonzo zabo ze-Medicare kulo nyaka ozayo. Eli xesha libizwa ngokuba yi-Medicare Open Registration. Kufana nexesha lokubhalisa elivulekileyo elisetyenziswe ngabanini-mshishino bangegcini.
Kukho ukhetho oluninzi olwenziweyo ngexesha lobhaliso oluvulekileyo lwe-Medicare. Ngokufanayo kunye nokhetho lwe-inshorensi yempilo yangasese, abadala basebenzisa izigqibo zabo oogqirha abafuna ukukhetha kuzo, luhlobo luni lwezobisi eziyimfuneko, ubunjani beprayimenti abanakho (okanye bafuna) ukuthenga kunye nokunye.
Unyaka ngamnye kukho utshintsho. Ngenani ubuncinane, inani le-premium litshintsha. Ngokuqhelekileyo, iintlobo zenguqu yokuguquka. Izicwangciso ezinikelwa unyaka omnye zinganqunyulwa okanye zandiswe ngabanini-bhankanyi bangebucala ababonelela nge-Medicare Advantage coverage.
Kukho utshintsho ngenxa yokulungiswa kwempilo yonyaka ngamnye enenjongo yokufikelela lula, ezinye zazo zijoliswe ekunakekeleni kwezempilo.
Ndingafunda phi ngakumbi malunga neMedareri?
Kukho izixhobo ezintle ezifumanekayo zokufunda okungakumbi ngeMedare, ukufaneleka kwakho, UkuBhaliswa okuVulekileyo kunye neMigangatho yeNzuzo ye-Medicare, kwakhona:
- Fumana ulwazi malunga ne-Medicare Open Registration
- Fumana uncedo ekukhetheni isicwangciso esilungileyo kuwe kwinkqubo ye-SHIP yelizwe (Inkqubo ye-Intsholongwane yezeMpilo)
- Funda kabanzi malunga neMicrosoft Advantage Plans okanye iiplani zeMedigap .
- Ukususela kwi-CMS - amaziko e-Medicare kunye neeNkonzo zeMedicaid