Wonke umntu omdala waseMerika 65 okanye umntu omdala ufanelekile kwi-Medicare
Phantse yonke i-America eneminyaka engama-65 okanye ngaphezulu ivumelekile kwi- Medicare , yaye phantse bonke bafanelekile kwi- Medicare Part A (inshuwalense yesibhedlele) ngaphandle kwama-premium.
Nangona kunjalo, kungekhona wonke umntu oneminyaka engama-65 okanye ngaphezulu ufuna ukufumana i-Medicare. Abanye abantu bacinga ukuba banyanzelekile kwi-Medicare abaneminyaka engama-65 ngokuchasa zabo iimfuno zabo.
Kutheni kunjalo?
Kutheni Ndifuna Ukunyanzeliswa Kwemithi kwi-Age 65?
Ukuba wena okanye iqabane lakho sebenze ubuncinane iminyaka engama-10 emsebenzini apho iirhafu zonyango zigcinwe khona (kubandakanywa nokuqeshisa indawo apho uhlawula khona irhafu yakho yerhafu), uya kuba ngokuzenzekelayo kwi-Medicare xa uvula iminyaka engama-65.
Abafuduki abasandul 'ukuhambela abakufanelekanga kwi-Medicare, kodwa xa bebahlali bezomthetho ngokusisigxina iminyaka emihlanu kwaye ubuncinane ubuncinane abangama-65, banakho ukhetho lokuthenga i- Medicare-yokuchasana-ngokuchasene ne-Medicare Part A mahhala-eyona ndlela zifumaneka kubahlali bexesha elide baseUnited States abangenayo imbali yomsebenzi obanikezela ukuba bangene kwi-Medicare Part A (nangona abaninzi abantu befumana i-Medicare Part A ngaphandle kwama-premium), kubiza i-$ 422. / inyanga kubantu abayithengayo kuba baneminyaka embalwa okanye engekho emlandweni womsebenzi).
Abo bafumana inzuzo yeNtlalo yoKhuseleko babhalise ngokuzenzekelayo kwi-Medicare xa baphendukela kuma-65.
Akukho ndlela yokuphuma kwi-Medicare xa uneminyaka engama-65 ukuba ufumana uxolo lweNtlalo. Ingaba ubhalisa kwi-Medicare Part A, okanye ulahlekelwa iintlawulo zakho zeNtlalo. Uninzi lwabantu abanqweneli ukulahlekelwa iintlawulo zabo zeNtlalo, ngoko ke bamkele ukubhaliswa kwi-Medicare. Qaphela ukuba ufunwa kuphela ukuba wamkele i-Medicare Part A-engenazo i-premium-free xa ufumana inzuzo yeNtlalo-ntle-ukwenzela ukugcina inzuzo yakho yoKhuseleko loLuntu.
Uyavunyelwa ukuba unqabe i- Medicare Part B- leyo ine -premium -kuba ukhetha ukwenza njalo, nangona unokuba ungaphantsi kwesohlwayo sokubhalisa emva kwexesha xa ukhetha ukubhalisa kwiNgxenye B emva komhla.
Kukho ukucinga okukhulu malunga nokuba kungani inkqubo isetyenziswe ngale ndlela, kodwa ngelanga, akukho mpendulo ecacileyo okanye ngqo. Mhlawumbi lo mgaqo wasungulwa okokuqala ukuze kube lula kubantu abadala ukuba babhalise kwi-Medicare xa befikelela kwiminyaka yobudala engama-65, kodwa akazange anqunywe xa ukufihlakelelwa kwangasese kwindawo eqhelekileyo. Ingxelo yabucala ayizange isetyenziswe njengokuba ikhoyo njengamanje, eyayiza kushiya abantu abaninzi asebekhulile bengenazo ukunakekelwa kwempilo. Oku kubangela umba xa befuna unonophelo lwempilo.
Kungakhathaliseki ukuba kutheni inkqubo imiselwe ngendlela, imigaqo yimiqathango, kwaye ayinakwenzeka ukuba itshintshe kwikamva elizayo.
Ukupheliswa kweNkxaso-nkxaso yeNkampani kwi-65
Ukuba awuneminyaka engama-65 kodwa uthathe umhlala phantsi kwaye ufumana izibonelelo zezempilo ezishiya umhlala-phantsi kumqeshi wakho wangaphambili, qiniseka ukuba uyazi ngemigaqo yomqeshi malunga ne-Medicare. Abanye abaqeshi abaqhubekiyo ukubonelela ngempilo yomhlala-phantsi kwabasebenzi bangaphambili xa beba ngu-65, bekhetha esikhundleni sokuba bathathe umhlala-phantsi ukuba bathathwe kuphela yi-Medicare.
Ngaphandle kokunika ingxelo evela kwinkampani yakho, udinga unyango lwe-Medicare ukuqinisekisa ukuba ukhuselwe kwimicimbi enokuthi ifumaneke ukuguga.
Ezinye iinkampani aziyi kunqumla umntu ngokupheleleyo kwiminyaka engama-65, kodwa kunoko uqhubeke nokubonelela ngeenzuzo zokuthatha umhlala-phantsi, ezingasetyenziswa ngokubambisana ne-Medicare (zinokufuna ukuba ubhalise kwi-Medicare Part A kunye neNgxenye B ukuze fumana inzuzo epheleleyo-njengenkcazo yesibini-ukusuka kwisicwangciso sezempilo esishiye umhlalaphantsi). Izibonelelo zezempilo ezongezelelekileyo zihlala zibandakanya ukuxilongwa kwezidakamizwa ezichanekileyo (ezingagqithwanga ngamayeza onke, kodwa zingathengwa nge- Medicare Part D ukuba awukwazi ukufikelela kwenkxaso-mboleko exhaswe ngumqeshi), ukutyelela ugqirha kunye nezinye izigulane zempilo nya mekela.
I-Medicare iya kuba yinkcazo yakho ephambili xa uhlanganiswa phantsi kwesicwangciso sezempilo esishiye umhlalaphantsi, ngesicwangciso esinikezwa ngumqeshi wakho wangaphambili owayesebenza njengesiqendu sesibini.
Ukuba unokuthengiswa kwemakethi nganye, kuthengwa ngentsebenziswano okanye ngaphandle kokutshintshiselana, kuya kufuneka udibanise utshintshiselwano okanye wakho umshwalense ukuba ucele ukuba ukhansele ukukhutshwa kwakho xa usuqulela kwi-Medicare. Ngaphambi kokuba i-ACA, ngamnye umthengi weemarike ngokuqhelekileyo akayi kuqinisekisa umntu ngaphezu kweminyaka engama-64, ngoko ke izicwangciso zapheliswa ngokuzenzekelayo xa abantu baphendukela kwiminyaka engama-65. Akunjalo, ngoko kubhalisa kufuneka baqiniseke ukuba bayayicima imarike yabo ukufihla xa betshintshela kwi-Medicare.
Akukho mgaqo othi ufanele ulahle isicwangciso sakho semarike nganye xa ubhalisa kwi-Medicare, nangona ngokungekho isizathu sokugcina isicwangciso somntu ngamnye emva kokuba ubhalise kwi-Medicare. Kwaye ukuba ufumana inkxaso-mali yeprayimenti ukukhupha ezinye zeendleko zesicwangciso sakho semarike, oko kuya kuphela xa uvula iminyaka engama-65.
> Imithombo:
> Amasebe e-Medicare neeNkonzo zeMedicaid. Imibuzo Ebuzwa Ngokuphindaphindiweyo Ngokuphathelele I-Medicare kunye ne-Marketplace . Agasti 1, 2014.
> Medicare.gov. I-Medicare Iindleko ze-2018 kwiSiqalo.
> Medicare.gov. Icandelo B Isigwebo sokuBhaliswa kwexesha elide.
> Medicare.gov. Inkonzo yomshuwalense.
> Medicare.gov. Bhalisa / Utshintsho lwezicwangciso.