Ubhaliso oluvulekileyo aluyena kuphela olukhethiweyo
Ukuthatha isicwangciso seMedare kufana nokudlala i-chess. Udlala ukuze uphumelele, kulo mzekelo, ukulungiselela unyango lwempilo efikelelekayo. Oko akuthethi uya kuhlala ukhetha ukhetho olungcono. Iindaba ezilungileyo uhlala unethuba lokutshintsha isicwangciso sakho xa ukujika kwakho okulandelayo kuza. Zisebenzise ezi zihlandlo zokubhalisa ukukhetha icebo elingcono leMedare.
Ikhefu lokuBhalisa eliVulayo
Ixesha lokuBhalisa eliPhakathi lixesha elinye ngonyaka xa wonke umntu angatshintsha isicwangciso sawo seMedare. Ukususela ngo-Oktobha 15 ukuya kuDisemba 7, ukubhalisa okuvulekileyo kukuvumela ukuba:
- Sitshintsha kwi-Medicare yasekuqaleni ukuya kwi-Medicare Benevantage kunye okanye ngaphandle kweNgcaciso yeCandelo D neziyobisi kunye nangoko
- Utshintsho phakathi kwezicwangciso ze-Medicare Benevantage kunye okanye ngaphandle kweNgcaciso yeCandelo iD
- Sitshintsha phakathi kwamacebo e-Medicare Part D
Ukuba kunjalo, kunokubakho amanye amaxesha kunyaka oya kufuna ukutshintsha isicwangciso sakho seMedare. Kukho inani leeNkcazo zokuBhalisa eziKhethekileyo ofuna ukuzazi ngazo.
Iirejista eziBhalisiweyo eziKhethekileyo ngokusekelwe kwezinye iinkqubo zezempilo
Unokuba ufanelekile kwi-Medicare ukongeza kwezinye iinkqubo zempilo. Ukuba ngaba kunjalo, unokuba neePeriodithi ezithile zokuBhalisa ezifumanekayo kuwe.
- Uncedo olungakumbi. Le Nkqubo yoLondolozo lweMedalutha inceda ukuhlawula iindleko zeCandelo D njengemali yokukhutshwa, iidroductions kunye nama-premium . Ngokuxhomekeke kwinqanaba lakho lokufumana imali, iindleko zakho zinganciphisa okanye zikhulule. Xa uvumelekile kwiNkqubo yoNcedo oluNgezelelweyo, ukhululekile ukwenza utshintsho lwesicwangciso se-Medicare nanini na. Nangona kunjalo, xa ulahlekelwa ukufaneleka kwiprogram, ixesha lakho lokuBhalisa ngokuKhethekileyo ukutshintsha izicwangciso liye ukusuka ngoJanuwari 1 ukuya kuMatshi 31 kuphela.
- Uxilongo. Nangona i-Medicare yinkqubo ejoliswe ekunakekeleni asebekhulile nabakhubazekile , i- Medicaid ijolise ukunyamekela abo abanemali ephantsi. Abantu bafanelekile ukufumana iMediicaid kunye neMedareri. Ukufaneleka kokubili kukunika ithuba lokutshintsha phakathi kwezicwangciso ze-Medicare nanini na ngexesha lokubhalisa. Ukulahlekelwa ukufaneleka kweMedicaid kukushiya ngeenyanga ezimbini zokuBhalisa eziKhethekileyo ukuguqula izicwangciso.
- Inkqubo yoNonophelo oluNyenekayo lwabadala (i-PACE). Le nkqubo yokunakekelwa kwezempilo inikezelwa kubantu abaneminyaka engama-55 nangaphezulu abafanelekayo njengokuba badinga ukunakekelwa kwekhaya lokunyamekela. Ekubeni i-PACE inikezela ngokukhawuleza ngezidakamizwa , oko kukuthi, ukufihla okulungileyo njengecebo le-Medicare Part D, akunakwenzeka ukuba ufune uncedo lweziyobisi lweMedare. Unokukhansela i-Medicare Benevantage okanye iCandelo D kwixesha ngalinye. Ukuba ushiya i-PACE ngenxa yezizathu, unesiqingatha seenyanga zokubhaliselwa kuyo nayiphi na inkqubo.
- Inkqubo yoNcedo lweMveliso yeeMveliso (SPAP). Nangona urhulumente wesigqeba unikezela ngoncedo olungakumbi, amazwe ngamnye anika iinkqubo zabo zokulondoloza izidakamizwa. Unokutshintsha kwisicwangciso seMedareji esinikela ngokukhawuleza ngezigulane zonyango ngenye ixesha kwikhalenda ngamnye kunyaka ukuba ufanelekile kwenye yale SPAP.
- I-TRICARE okanye i-Veteran's benefits. Ndiyabonga ngenkonzo yakho. Ukuba unelungelo lokunakekelwa kwezempilo ngokusekelwe kwinkonzo yempi, uya kunikwa ukufikelela kwi-creditable coverage. Ukhululekile ukukhansela i-Medicare Benevantage okanye isicwangciso seCandelo D naliphi na ixesha ngaphandle kwesihlwayo.
Iimviwo zeeNkcazo eziZodwa ngokusekelwe kwiinguqu kwiMedare yakho okanye ezinye iziCwangciso zeMpilo
Utshintsho kwisicwangciso sakho seMedarethi lungabikho kolawulo lwakho. Ukuba ufumana kwiyiphi na le meko, unokufumana ithuba lokuBhaliswa kwexesha eliKhethekileyo.
- Urhulumente wephondo unqanda isivumelwano sakhe kunye nesicwangciso sakho se-inshorensi. Unokutshintsha izicwangciso eziqala kwiinyanga ezimbini ngaphambi kokuphela kwenyanga emva kokuba isivumelwano siphelile.
- Ulahlekelwa ngophatho lweziyobisi. Kungakhathaliseki ukuba unesicwangciso esilixhaswe ngumqeshi, inzuzo yomanyano, okanye esinye isicwangciso sezempilo, kufuneka uxelelwe ukuba eso sicwangciso sinikeza inkxaso-mboleko yeziyobisi. Ukuba kukho naziphi na izizathu, isicwangciso asikwazisi kakuhle ngale nto okanye ukuba sitshintshile i-coverage ukwenzela ukuba i-cover yabo ayisekho imali, uneenyanga ezimbini ukutshintsha izicwangciso ze-Medicare.
- Ulahlekelwa ukufikelela kwezempilo kwenye icebo. Unokutshintsha isicwangciso sakho seMedare ngaphakathi kweenyanga ezimbini ukuba ulahlekelwa ukufikelela kwezinye iinkonzo zokunakekelwa kwezempilo, kunye neenzuzo ze-COBRA, izicwangciso zempilo ezixhaswe ngumqeshi, iinzuzo zomkhosi, okanye iinzuzo zamanyano.
- Ufuna ukubhalisa kwisiCwangciso seNkanyezi ezintlanu. Ukuba kukho i- Five-Star Medicare Benevantage okanye isicwangciso seCandelo D kwindawo yakho, ungabhalisela enye nayiphi na ixesha ukuqala ngoDisemba 8 uze uphele ngoNovemba 30.
- Isicwangciso sakho se-inshorensi ayiyikuhlaziya isicwangciso sakho seMedareya kunyaka ozayo. Ungatshintsha isicwangciso sakho ukususela ngoDisemba 8 ukuya kuFebruwari 28/29.
Iimviwo zeeNkcukacha zobhaliso ezizodwa ngokusekelwe apho Uhlala khona
Ngokungafani ne-Medicare yasekuqaleni ( iNgxenye A kunye neNgxenye B ) leyo inika ingxelo efanayo xa uhlala khona kwilizwe, i-Medicare Benevantage kunye neCandelo D izicwangciso zisebenza kwinethiwekhi yendawo. Ukufuduka kunokutshintsha indawo yakho yesevisi yeMedare, ukudala isidingo sokutshintsha izicwangciso.
Unikwe Iikhathi zokuBhalisa eziKhethekileyo ukuguqula izicwangciso kwiimeko ezilandelayo:
- Uya kungena okanye uphume kwisibhedlele esinesiqinisekiso okanye esibhedlele esikhathalayo. Ngelixa uhlala kwisiko, unokutshintsha amacebo nangaliphi ixesha. Emva kokuba ushiye eso sakhiwo, uneenyanga ezimbini ukutshintsha izicwangciso.
- Uya kwidilesi yase-US ngaphandle kwesixhobo socwangciso lwakho lwangoku okanye uhambela kwidilesi yase-US kwisicwangciso sakho senethiwekhi yangoku kodwa apho ukhetho olongezelelweyo lukhona ngoku. Isikhathi sakho sokuBhalisa esikhethekileyo kuxhomekeke xa ukwazisa isicwangciso sakho malunga nokuhamba kwakho. Ukuba ubaxelela ngaphambi kokuba uhambe, ungatshintsha iiplani kwinyanga enye ngaphambi kokuya kwiinyanga ezimbini emva kokutshintsha kweedesi. Ukuba ubaxelela emva kokuhamba kwakho, unikwa inyanga wawazisa kunye neenyanga ezimbini kamva ukwenza utshintsho.
Kusenokuba ngamanye amaxesha xa ubhalisile kwi-Medicare kodwa akakwazi ukusebenzisa inzuzo. Izicwangciso zakho zokutshintsha zingatshintshwa ngelixa ufumana ithuba lokusebenzisa i-Medicare.
Unikwe iinyanga ezimbini zobhaliso ezizodwa ukuguqula izicwangciso kwiimeko ezilandelayo:
- Ukhululiwe entolongweni. I-Medicare ayihlawuleli inkathalo efunyanwe ngexesha lokuvalelwa, nangona ubhalise ngenkqubo. Esikhundleni salo, inkqubo yesigwebo ikhupha ibhilikhwe.
- Ubuyela eUnited States emva kokuhlala kwelinye ilizwe. I-Medicare ayihlawuleli ukunakekelwa kumazwe angaphandle , ngaphandle kweemeko ezingaqhelekanga kwaye ngokuqhelekileyo kuphela kwiimeko ezikhawulezayo.
Oku akuthethi ukuba akufanele uhlawule iipalamama zakho ze-Medicare xa uhlala ngaphandle kwelizwe okanye ukuba uvalelwe. Ukungakhokheli ii-premiums zakho kuya kubangela ukuba ugqitywe kwiprogram ye-Medicare, ukushiye ngaphandle kweendlela zokunakekelwa kwezempilo xa ubuyela eUnited States okanye xa ukhutshwa entolongweni.
ILizwi
Ukubhalisa okuvulekileyo akusiyo kuphela ixesha lokutshintsha izicwangciso ze-Medicare kunyaka. Kukho inani leeNyanga zokuBhalisa eziKhethekileyo onokuzisebenzisa ngokusekelwe kutshintsho kwisicwangciso sakho seMedare, ngokufaneleka kwakho kwezinye iinkqubo zonyango, kwaye nakwiindawo ohlala kuyo. Yazi amalungelo akho kwaye usebenzise la mathuba ukukhetha isicwangciso esichaphazela kakhulu iimfuno zakho.
> Imithombo:
> PACE. Medicare.gov. https://www.medicare.gov/your-medicare-costs/help-paying-costs/pace/pace.html.
> Iimeko ezikhethekileyo (Iirejista eziBhalisiweyo eziKhethekileyo). Medicare.gov. https://www.medicare.gov/sign-up-change-plans/when-can-i-jojoin-a-health-or-drug-plan/special-circumstances/join-plan-special-circumstances.html.
> Iiprogram zoNcedo lweeMveliso zoMachiza. Medicare.gov. https://www.medicare.gov/pharmaceutical-assistance-program/state-programs.aspx.
> Ziziphi iifolongo kufuneka zikwazi . Iwebhusayithi yoLawulo loKhuseleko loLuntu. https://www.ssa.gov/pubs/EN-05-10133.pdf.