Fumana iSicwangciso seMagare ekulungeleyo
I-Medicare UkuBhaliswa Okuvulekileyo , eyenzeka ukususela ngo-Oktobha 15 ukuya kuDisemba 7 ngonyaka, lixesha eligqibeleleyo lokuba uyeke kwaye ucinge ngempilo yakho. Zibuze le mibuzo emihlanu elula kwaye unokukwazi ukufumana isicwangciso se-Medicare esisebenza kakuhle kuwe.
1. Ingaba impilo yakho yayitshintshe kunyaka odluleyo?
Ukuba usanda kutshatyalaliswa ukuba unesifo sezempilo, unokufuna uncedo olungakumbi lwezempilo.
Ngaba ukutyelela ngakumbi ugqirha kuyakufuneka ngexesha lonyaka? Umsebenzi ophezulu wegazi kunye novavanyo? Amanye amayeza? Kule meko, unokufuna ukuqwalasela isicwangciso esiphezulu seMedareri esihlanganisa zonke ezi zinto. Kufuneka uthethe kumboneleli wakho wezempilo ukuze axoxe ngesimo sakho sezempilo kwaye ulindelwe ngokufanelekileyo kunyaka ozayo.
2. Ngaba uhlolisise ifom yeSaziso soTshintsho yonyaka kwi-Medicare Advantage yakho okanye icebo leCandelo D?
Isicwangciso sakho samanje seMedareta singenza utshintsho kunyaka ozayo. Isicwangciso siyafuneka ukuba sikuthumele isaziso esisemthethweni esichazela ezo zinguqulelo.
Ngokuqhelekileyo uza kufumana ifomu yeSaziso soTshintsho lweNyaka ngoSeptemba. Iintlawulo zeeNyanga okanye ama-deductibles zinokunyuka. Iinkonzo zinokunqunyulwa okanye zongezwe. Ukuba unesicwangciso seCandelo D, i- formulary yonyango ingatshintshwa, mhlawumbi ayisayi kugubungela onke amayeza owathathayo . Ngaloo tshintsho, isicwangciso sakho asinakuba yindleko efanelekileyo kuwe njengokuba bekukade unyaka odlulileyo.
Kufanelekile ukuthatha ixesha ukuthengela isicwangciso esiza kusebenza kangcono kuwe.
3. Ingakanani imali oye wachitha kwiinkonzo zempilo kunyaka ophelileyo?
Iinkcitho zakho zempilo ezedlulileyo zingakunika i gauge malunga nokuba ungayichitha ixesha elingakanani kunyaka ozayo.
Yonke into ithatha izibalo ezilula. Yongeza zonke iinkcitho zakho zempilo kunyaka owedlule.
Oku kufuneka kufake iindleko zeepriyamu, ama-deductibles, i-copayments, i-coinsurance, kunye nezinye iindleko zeefowuni . Ukuba uvakalelwa kukuba ezi ndleko zazingenakuze zenzeke okanye zingaphathwa kakuhle kunyaka odlulileyo, kufuneka uzame ukufumana isicwangciso esinceda ukuhlawula imali phantsi kweendleko. Ngelishwa, ngenxa yokunyuka kwamaxabiso kunye nokunyuka kwamaxabiso ngamawaka eenkampani ze-inshorensi, iindleko zakho zangempela ziza kuba ziphakamileyo kunolu hlobo. Kungakhathaliseki ukuba, le ndawo ibalulekileyo ukuqala.
4. Ngaba ufuna iinkonzo ezongezelelekileyo zempilo kunokuba i-Original Medicare inikezela?
Unokumangaliswa kwinqanaba le-Original Medicare ( Icandelo A kunye neCandelo B ) alifihla.
I-Medicare yasekuqaleni ayifuni iilensi zokulungisa (ii-glassglass okanye ii-lens zokuxhumana), amazinyo omzimba, izixhobo zokuvalelwa, okanye iifolo ezimhlophe eziyimfama. Uya kufuneka uhlawule epokothini kwimivo yamazinyo, ukuva kunye nokuhlolwa kwembono. Unokushiywa ukuhlawula unyango lwezempilo ngexesha lokuhamba kwamanye amazwe . Isicwangciso se-Medicare Benevantage sinokunikezela ngokukhawuleza, kunika iinkonzo ezininzi ozifunayo. Ukuba ulindele uncedo oluthile lwezonyango olungagqitywanga phantsi kwe-Original Medicare inzuzo, unokufuna ukuphanda ukuba yeyiphi isicwangciso seMedare Benevantage.
5. Unokufumana njani isicwangciso seMicroreji esemgangathweni?
I-Medicare ifake inkqubo yokulinganisa iinkwenkwezi ezintlanu ze-Medicare Benevantage kunye neCandelo D. Ezintlanu zona zilungileyo; enye yimbi.
Ukulinganiswa kweenkwenkwezi ezinhlanu kuthatha inkonzo yabathengi, izikhalazo zamalungu, kunye namava amalungu kunye nesicwangciso, kubandakanywa ukuba amalungu angakhetha ukuhlala nesicwangciso. Izicwangciso ze-Medicare Benevantage, ziya kuqwalasela neminikelo yokunyamekela, oko kukuthi ukuhlolwa kweemvavanyo kunye nokugonywa, kwaye isicwangciso esihle sinceda njani ukulawula izimo zonyango ezingapheliyo. Ukuba isicwangciso sinokulinganiswa kweenkwenkwezi eziphantsi, kunokukhathazeka ukujongana nenkampani yomshuwalense xa kufika ixesha lokuhlawula iinkonzo zakho. Kufuneka ulinganise izinto ezibaluleke kakhulu kuwe, icebo elingabizi okanye iplani ephezulu. Ngethemba, unokufumana isicwangciso esichazela zombini kwezi zidingo.
ILizwi
I-Medicare yobhaliso oluvulekileyo ingaba ixesha elididekayo kubantu abaninzi. Ngeendlela ezininzi, kunokuba nzima ukwazi apho ukujika khona. Zibuze le mibuzo elula ukuze ubone ukuba isicwangciso sakho samanje siya kuhlangabezana neemfuno zakho kunyaka ozayo, kwaye wenze uphando ukuze ubone ukuba esinye isicwangciso sinokuba ngcono.