Bhalisa Ngoku, Gcina Imva Kamva
Iintlawulo zeeNyanga, ama-deductibles, ikopi kunye ne-coinsurance. Ezi zindleko zilindeleke xa kuziwa nayiphi na isicwangciso se-inshurensi yezempilo. I-Medicare ayifani.
Ziziphi iintlobo zabantu abangayilindeleyo iimali ezongezelelweyo eziza kunye ne-Medicare, ngakumbi xa ubhalisa ngokukhawuleza. Iimpawu ze-Medicare A, B, kunye ne-D nganye zinezihlomelo zaso. Iindleko kuwe zinokuluhlula kuphi na amakhulu ukuya kumawaka eedola ngexesha lokuphila kwakho. Kukho ezininzi iimpazamo ezibizayo xa zityinwa kwi-Medicare.
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Ucinga ukuba ukubhaliswa kweMeditoreji yi-AutomaticUkuba usufumene isheke soKhuseleko lweNtlalo xa uvula iminyaka engama-65 ubudala, nokuba ingaba ngumhlalaphantsi okanye inzuzo yokukhubazeka , uya kubhaliswa ngokuzenzekelayo kwi-Medicare Parts A no-B. Ukuba awukafumani inzuzo yeNtlalo, kufuneka ubhalise zonke izingxenye zeMedaretha wena.
Kukho nawuphi na umzekelo, ungalibali ukubhalisela iCandelo D ukuba ufuna ukukhutshwa kwezidakamizwa. Oku akusayi kuba yi-othomathikhi.
Xa umhlalaphantsi uneminyaka engama-65 ubudala, iiNtlawulo zeNtlalo kunye neMediaretti zahamba ngesandla. Oku konke kutshintshile ngo-1983 kunye neeseti zezilungiso eziye zandisa ukwanda kwexesha ukuba unokuqokelela inzuzo epheleleyo yoKhuseleko loLuntu. Ngoku umntu ozalelwa ngaphambi kowe-1937 unelungelo lokufikelela kwiminyaka engama-65 ubudala, kwaye nabani na abazalwa emva ko-1960 banelungelo lokufumana iminyaka engama-67 ubudala. Uninzi lwabantu luwela phakathi, olubhekiselele ukuba iinzuzo zabo zeMedare neeNgcaciso zeNtlalo ziya kuba zingavumelanisi.
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Awubhalisi kwi-Medicare Xa ujika 65Kukho iindlela ezimbini zokufumana i-Medicare. Eyokuqala kukuba nokukhubazeka okufanelekileyo , enye ineminyaka yobudala. Uninzi lwabantu baseMelika bafanelekile kwi-Medicare xa beba neminyaka engama-65 ubudala .
Ungayibhalisa inyanga ezintathu ngaphambi kokuya kwiinyanga ezintathu emva kokuzalwa kwakho kweminyaka engama-65. Xa uquka inyanga yakho yokuzalwa, oku kukunika iinyanga ezixhenxe ezizeleyo ukuze ubhalisele inkqubo.
Laba le Périod yokuBhaliswa kokuQala kwaye ungase ube kwi-hook yezohlwayo zangexesha elide kwi-Medicare Parts A, B, no-D. Ezi zihlwayo zingakubiza amakhulu ukuya kumawaka eedola ngelixa uhlala kwi-Medicare.
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Awubhalisi kwi-Medicare ngenxa yokuba usasebenzaAbanye abantu bakholelwa ukuba akudingeki ukuba babhalise kwi-Medicare ade bafike umhlalaphantsi kwaye abanakho ukufikelela kwisicwangciso sezempilo esixhaswe ngumqeshi. Emva koko, akukho mntu ufuna ukuhlawula isicwangciso sezempilo esingaphezu kwesinye.
Ukhetho lunokuba lula kwabanye abantu kodwa ngokuqinisekileyo kungekhona kuwo wonke umntu. Konke kuxhomekeke kubukhulu beenkampani eziqeshisayo.
Ukuba inkampani osebenzayo yokuqesha abasebenzi abangaphantsi kwe-20, i-Medicare iya kufuna ukuba ubhalise ngexesha lokuQala lokuQala lokuQala ngokusekelwe ngomhla wokuzalwa kwakho wama-65. Oku kuthetha ukuba uya kuba nezigwebo zokugqibela emva kokuba ulinde umhlalaphantsi ukuba ubhalise.
Ukuba usebenzela inkampani eqeshe abasebenzi abangaphezu kwe-20 abangaphezu kwexesha elipheleleyo, iMedareare ikuvumela ukuba ulibazise ixesha lokuQala lokuQala lokuQala. Kunoko, ungabhalisa ngexesha lokuBhalisa okuKhethekileyo oqala ngomhla oshiya umsebenzi wakho okanye ulahlekelwe ngumsebenzi wakho wokufumana isicwangciso sempilo, esiphi na kuqala, kwaye ihlala iinyanga ezilisibhozo. Bhalisa emva kolu, kwaye uya kunyanzeliswa ukuhlawula ezo zihlwayo.
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Awusayibhalisi Xa Uhlala ngaphesheyaUkuba uhlala phesheya kwezilwandle, uchazwa nje ngokuba uphila kweli lizwe ngeentsuku ezingama-30 okanye ngaphezulu ezilandelelanayo, kwaye ufumana inzuzo yeNtlalo yeNtlalo, ungabhaliswa ngokuzenzekelayo kwi-Medicare Part A xa uvula iminyaka engama-65. Unembopheleleko yokungena kwiiNgxenye B okanye D ngokwakho. Ubhaliso lweNgxenye B alukho nje ngokuzenzekelayo njengoko uhlala eUnited States.
Awunako ukuqokelela iintlawulo zeNtlalo kwiiNtlanga zonke.
Ukuba uhlala kwelinye lala mazwe angabandakanywa, kuya kufuneka ubhalise kwiCandelo A ukuze ugweme izigwebo zokugqibela emva kokuba ubhaliso lwakho aluyi kuba luzenzekelayo.
Kuyathakazelisa ukuba awukwazi ukusebenzisa ii- Medicare iintlawulo ngaphandle kwelizwe . Kufuneka ujonge iinkonzo kunye neengxaki zokuhlawula iipriyamu xa uhlala ngaphandle kwelizwe ngokumalunga neentlawulo xa ubhalisa ngexesha elizayo. Yiyiphi iindleko zakho ngaphezulu kwexesha?
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Awusayibhalisi ngenxa yokuba ungumntu onamandlaI-Veterans Health Administration (VA) ihlinzeka ngeenzuzo zezempilo kulabo bakhonza eMkhosini waseMelika. Ukunyamekelwa kwamahhala kunikezelwa kubaphathi bezilwanyana ezifanelekileyo kwizibhedlele ezikhethiweyo ze-VA, kwiikliniki nakwiindawo zokuhlala.
Ngelishwa, ukunakekelwa kwezempilo ku-VA kuye kwaba negalelo layo leengxabano ngaphezu kweminyaka, enkulu kunazo zonke ezifikeleleko kunye nexesha elide lokulinda ukuba kuqeshwe kumaziko e-VA.
Ngombulelo, ngo-2014, uMongameli u-Obama wamisela uMthetho woLwazi lokuFinyelela kweeMpi, uLoqo, kunye noXanduva lokuvumela ukulwa noonogada ngaphandle kwezo ndawo, ngo-2017, uMongameli uTumpula wongezelela i-$ 2.1 billion ngemali kwinkqubo.
Ngoxa i-VA ihlose ukwandisa ukhetho, kukho iimeko apho ungenakho ukufikelela kwiziko elivunyiweyo le-VA. I-Medicare inokubonelela ngokukhawuleza ukufumana unonophelo oluyidingayo.
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Awubhalisi Xa UvalelweUnonophelo lwempilo oyifumana ngexesha lokuvalelwa lihlawulwa yinkqubo yesigwebo, kungekhona yi-Medicare. Oku akuthethi ukuba unqamle ukusayina kwi-Medicare xa ufanelekile.
Ukuba ufumana iinzuzo zoKhuseleko lweNtlalo kwaye uvula iminyaka engama-65 ubudala xa uvalelwe, uya kubhaliswa ngokuzenzekelayo kwi-Medicare kodwa ixesha lilonke. Ukhuseleko lwezeNtlalo luya kumisa iintlawulo zakho emva kweentsuku ezingama-30 entolongweni.
Kungenzeka ukuba awunabhaliswa ngokuzenzekelayo ukuba ungeyimiva emide kakhulu. Oku kuthetha ukuba uzakuzibhalela okanye ubhekane nezohlwayo ezikhawulezayo xa ukhutshwa.
> Imithombo:
> Ingaba Ndiyafuna Iimpawu ze-Medicare A no-B Ukuba ndifumana Uncedo lwam lwezempilo kwi-VA? Isebe leSebe lezeMpi ye-US. https://iris.custhelp.com/app/answers/detail/a_id/553. Ukuhlaziywa kwe-Matshi 15, 2013.
> Intlawulo ngaphandle kwe-United States. Iwebhusayithi yoLawulo loKhuseleko loLuntu. https://www.ssa.gov/international/payments_outsideUS.html.
> Umcwangcisi womhlala-phantsi: Umhlalaphantsi ohlala phantsi. Iwebhusayithi yoLawulo loKhuseleko loLuntu. https://www.ssa.gov/planners/retire/retirechart.html.
> Iprogram yoKhetho lweeTeter https://www.va.gov/opa/choiceact/. Ukuhlaziywa ngo-Agasti 14, 2017.