Ukuba ungumntu oxhamlileyo weMedare, enye yezinto ezididayo kunye nobunzima uthatha isigqibo sokuba yeyiphi iplani ye-Medicare Part D efanelekileyo. Ezi zixhobo zilandelayo zimele zikuncede ukuba uqonde kakuhle indlela inkqubo ye-Medicare isebenza ngayo kwaye unokufumana phi uncedo ukuba unobunzima bokuhlawula amayeza akho.
Enye yezona zixhobo ezincedo kakhulu kwi-intanethi yiwebhusayithi ye-Medicare, okukuvumela ukuba uqhathanise izicwangciso zonyango, ufunde malunga nezicwangciso ezinikezelwe kwimeko nganye, ujonge i-formulary nganye yepulani, kwaye ukhuphe iibheno kunye neefom zangaphandle.
Ukuba ufanelekile kwi-Medicare, ungakhetha icebo uze ubhalise kwi-intanethi. Unokufumana ulwazi olufanayo ngokubiza u-Medicare umgca uncedo kwi-1-800-633-4227.
Oko Kufuneka Ukwazi Xa Ukhetha Isicwangciso
Ukunciphisa ukhetho lwakho kwaye ukhethe icebo elihle kwiimfuno zakho, qwalasela oku kulandelayo:
- Ingaba iyeza zam inyulo yesicwangciso seziyobisi?
- Ngaba i-pharmacy yam kwisixhobo somnatha wezilwanyana?
- Isicwangciso samachiza siya kundibiza kangakanani?
Xa uya kwi-Medicare.gov, sebenzisa i-Medicare Plan Finder ukukhangela uphinde uqhathanise ukhetho olukhoyo kwindawo yakho. Uphando lwesicwangciso jikelele lufuna kuphela ikhowudi yakho ye-zip. Ukuze wenze ukukhangela kwakho, faka i-zip yakho kunye nolwazi olupheleleyo lwe-Medicare.
I-Medicare Plan Finder isixhobo esikunceda ukukhangela nokuthelekisa zakho iinketho ezikhoyo. I sixhobo kulula kakhulu ukuyisebenzisa-konke okufunayo ikhowudi yakho ye-zip, igama lekhemisi oyisebenzisayo, kunye neloluhlu lwemithi yakho yonyango.
Emva kokuba ufaka ulwazi, isixhobo senza uluhlu lwezicwangciso zeCandelo D ngokulandelelana kweendleko, kubandakanywa i- premium yesicwangciso kunye neendleko zokuphuma ngaphandle kweyeza zakho.
Ngokomzekelo: UMnu Jones uthatha imithi emihlanu yonyango-enye yegama elibizayo igama leziyobisi, kunye nezine ezinezizukulwana. Xa wayesebenzisa i-Medicare Plan Finder, wanikezelwa ngekhefu le-31 lokukhethwa kwezidakamizwa kunye necandelo elibalulekileyo kwiindleko zonyaka ezilinganiselwayo zamachiza akhe.
Enyanisweni, ixabiso leziyobisi lihluke kwi $ 1,671 $ 4,489 ngo-2017. Kwaye, isicwangciso ngeendleko zonyango esezantsi kakhulu sine-premium ye-$ 17.50 ngelixa isicwangciso esixabisa kakhulu sine-premium ye-$ 75.30 ngenyanga.
Ezinye Iingcebiso
Emva kokuba ufumene izicwangciso ezifanelekileyo, unako ukufumana ulwazi olongezelelweyo malunga nendlela isicwangciso sisebenza ngayo nendlela iindleko ezibalwe ngayo. Yaye, unako ukubhalisa kwi-intanethi kwisayithi ye-Medicare.
Ukubhaliswa kwe-Medicare Part D kuqhutywe ngo-Oktobha 15 ukuya kuDisemba 7 ngonyaka, kwaye uceba utshintsho olwenzayo ngeli xesha liya kusebenza ngoJanuwari 1 wonyaka ozayo. Ukubhalisa kwangangoko kunokwenzeka kwixesha lokubhalisa liqinisekisa ukuba isicwangciso sakho seNxalenye D singathumela izinto zokucwangcisa ngaphambi kweJanuwari 1, ukuvumela ukuba usebenzise ingxelo yakho ngaphandle kokulibala.
Kwakhona, ukuba unomtsha kwi-Medicare, uya kufuna ukubhalisa kwisicwangciso seCandelo D ngokukhawuleza ukuba ufanelekile kwi-Medicare, nokuba ngaba ungathathi naliphi na imithi. Ukuba awukho (kwaye ucinga ukuba awunayo enye ingxelo yokusetyenziswa kweziyobisi endaweni ebaleka njengento yokuthenga ngetyala), uya kuba phantsi kweCandelo D inhlawulo yobhaliso emva kokugqibela ukubhalisa, kwaye uza kuhlawula iiprayimari eziphezulu ubomi.
Kwaye emva kokuba ifowuni yokuqala yokubhalisa (xa uqala ukufaneleka) iphelile, ungayibhalisa kuphela kwi-Medicare Part D ngethuba lokubhalisa kwiphepha le-Oktobha 15 ukuya kuDisemba.
Ukuba uhamba ngaphandle kweCandelo D kunye nokugqitywa kweemfuno zonyango ezibizayo phakathi konyaka ozayo, kuya kufuneka ulinde iinyanga eziliqela ukuze ufumane ukukhutshwa, kunye neprayim ephakamileyo ehlolwe xa abantu belibazisa ukubhaliswa kwabo.
Ezinye imithombo yolwazi ibandakanya:
I-SHIP: Inkqubo yoNcedo lweNkxaso ye-Intshumo yezeMpilo inikezela ngoncedo olulodwa kunye noluncedo kwizigulane ze-Medicare kunye neentsapho zabo.
Ubambiswano loNcediso lweeMviwo: Abanye abavelisi beziyobisi banikezela iziyobisi zamahhala okanye eziphantsi kwiindleko ze-Medicare abaxhamliweyo.
Ukunciphisa iindleko zemithi yakho
Amagosa e-Medicare akhombisa iindlela ezilandelayo unokunciphisa iindleko zakho:
- Hlola iiprogram ezinika inkxaso zwelonke kunye noluntu ezinokukunceda ngeendleko zeziyobisi. Ulwazi lufumaneka kwiWebhsayithi yokuHlola yeeNzuzo
- Sebenzisa iNkqubo yoNcedo lweMithi. Abakhiqizi abaninzi bezonyango banikeza iinkqubo zoncedo kubantu ababhalise kwi-Medicare Part D.
- Cinga ngeNkqubo yoNcedo lweMishanguzo kaRhulumente enika uncedo ngokuhlawula iiproyamu zamachiza okanye ezinye iindleko zeziyobisi.
- Faka isicelo sokufumana uncedo olongezelelweyo. Ababhalisi abanomvuzo omncinci kunye nezibonelelo banokufumana uncedo olongezelelweyo ngoLawulo loKhuseleko loLuntu.
Ukuhlaziywa nguLouise Norris.
> Imithombo:
> Medicare.gov. Icandelo D Isigwebo sokuBhaliswa kwexesha elifutshane.
> Medicare.gov. Isaziso semboleko.