Indlela Ukhuseleko LwaseNtlalontini Kukubopha ngayo kwiMedare
I-Medicare ayikho kuphela kulabo badala kweminyaka engama-65 ubudala . Inzuzo enikezelwa kubo abakhubazekileyo, becinga ukuba bahlangabezana neendlela ezithile zokukhubazeka . Ingxaki ungayifuni i-Medicare ukuba unokufumana i-inshurensi yezempilo engabizi kwenye indawo.
Musa ukwenza loo nto!
Ziziphi iimeko zokukhubazeka ezikufaneleyo kwi-Medicare?
Ukuba uwela kwelinye lezintlu zezibonelelo ezikhubazekileyo, unakho ukufaneleka kwi-Medicare nangona uneminyaka engaphantsi kweminyaka engama-65 ubudala.
- Unayo i- amyotrophic lateral sclerosis (ALS) , eyaziwa nangokuthi isifo sikaLou Gehrig.
- Unesifo sesifo sesifo (ESRD) esidinga i- dialysis okanye ukutshintshwa kweengso.
- Ufumana izibonelelo ezikhubazekileyo kwiBhodi yeRhafu yeRhafu (RRB).
- Ufumana Intsholongwane Yokhuseleko Lokukhubazeka Kwezenhlalakahle (SSDI) .
Ukuhlawula kwiNkqubo
Abantu abafanelekayo kwi-Medicare baye bahlawula loo ntlawulo. Inani leminyaka wena okanye iqabane lakho uhlawula irhulumente karhulumente kwimirhumo yeerhafu ayigqiba kuphela ukufaneleka kwakho kwinkqubo yokhathalelo lwempilo kodwa ingaba uza kuhlawula phi. Ezi ntlawulo zeerhafu zenzelwe ukukhusela inzuzo yakho xa uwafuna kwixesha elizayo.
Iindleko zonyango
Nangona i-Medicare inikezela ngononophelo lwempilo kubantu abakhubazekileyo, ayikhululekile. Kufuneka uhlawule iipriyamu kwiindawo ezahlukeneyo.
- Iimali-mali kufuneka zihlawulwe kwiCandelo A ukuba umntu engazange asebenze ubuncinane kwii-40 kwikota (iminyaka eyi-10) yengqesho yerhafu.
- Wonke umntu uhlawula iiprimiyamu zeCandelo B , isixa esinqunywe yinzuzo yakho.
- Ukuba ufuna ukukhutshwa kwezidakamizwa, uzakuhlawula iipriyamu zeCandelo D ngokunjalo.
Esikhundleni solu khetho, unokukhetha isicwangciso seMediare Benevantage. Izicwangciso ze-Medicare Benevantage ziquka yonke into eyenziwa yiNgxenye A kunye neNgxenye B kwaye ingabandakanya ukuxhaswa kweCandelo D xa ukhetha.
Njengamanye amanqanaba e-Medicare, ezi zicwangciso ziya kukuhlawula i-premium yenyanga.
Ezinye iindleko zecwangciso zezempilo ziquka ukunciphisa, uqinisekiso lwemali kunye neefayili .
Xa ezinye iiplani ze-inshurensi zibiza ixabiso elingaphantsi kwamayeza
Unokufumana ukuba ezinye iindlela ze-inshorensi zibiza kakhulu kuneMedare.
Izicwangciso ze-Obamacare zingavakala zikhangeleka kodwa qaphela. Awuvumelekanga ukuba ube nenxalenye ye-Medicare kunye nesicwangciso se-Obamacare ngexesha elinye. Enye inxaxheba kukuba ubhalisele ukufumana inkxaso yezempilo kwisicwangciso sezempilo somlingane wakho. Kulungile nokho, unako ukufumana uncedo lwempilo olusekelwe kwimeko yakho yempi, nokuba ngaba yi-VA okanye i-TRICARE.
Kule meko, unokulingwa ukunciphisa i-Medicare ngokuphathelele enye inshorensi. Emva koko, akukho mntu ufuna ukuhlawula iiprimiyam ezimbini ukuba azinako. Kufuneka uqonde ukuba ukwehla kweMedareri kunokuba neziphumo ezinzulu.
Akucaci ngeli xesha ukuba ukuchithwa kwe-Obamacare kuya kuthintela njani ukufikelela kwe-inshorensi. Oku kuya kuxhomekeka kukuphi uhlobo lwesicwangciso sokutshintshwa kolawulo lweTrump oluya phambili.
Ukunciphisa Icandelo A Umyinge
Ukuba unqatshelwe iNgxenye ye-A coverage , ungalahlekelwa yizinzuzo zakho zeNtlalo. Oku kungabandakanya izibonelelo zakho zomhlalaphantsi okanye neenzuzo ezivela kwi-SSDI.
Ngeke nje ulahlekelwe yimali engenayo kwi-Social Security kodwa uza kufuneka uhlawule nayiphi na inzuzo yeNtlalo yeNtlalo oye wafumana ukufikelela ngexesha oye wenqaba iCandelo A.
Isigwebo seNkundla yeSithili sase-US ngo-2001 saqwalasela lo mbandela. Abasebenzi abathathu baseburhulumenteni bamangalela urhulumente ngenxa yokuba bafuna ukuyeka iCandelo A ngokuphathelele ukufumana ingxelo phantsi kweProgram ye-Federal Employees Benefit (FEHB). Ngelo xesha, babefuna ukugcina inzuzo yabo yeNtlalo.
Umthetho ka-1965 owadala uMbutho woKhuseleko loLuntu kunye neMedareri wanikeza impendulo. UMgwebi uCollyer wathi "ukufuna indlela yoBamangali kunye nabanye kwiimeko zabo ukuba 'bangabhaliseki' bekuya kuchasana nenjongo yebandla, eyayiza kunika ' inyanzeliso ' phantsi kweCandelo le-Medicare Part A labo bafumana inzuzo yeRhafu yeNtlalo. Ukuguqulelwa, isigwebo sithi abantu abakwazi ukuhlula kwi-Medicare Part A ngaphandle kokulahlekelwa neenzuzo zabo zoKhuseleko loLuntu.
Ukunciphisa Inxalenye B Umyinge
Ukuba unqatshelwe iNgxenye ye-B, ungajongana nezigwebo emva kwexesha xa ubhalisa ngexesha elizayo. Ngokungafani neCandelo A, oku akuyi kubangela ukuba ulahlekelwe yizinzuzo zakho zeNtlalo. Oku kungenxa yokuba awuhlawuli irhafu kwi-Medicare Part B.
Oko Ufanele Uyenze
Uninzi lwabantu lufumana iNgxenye A mahhala. Ukuba kunjalo, ngokuqhelekileyo unomdla wokubhalisa kwaye uqhubeke ne-Medicare coverage ukuqinisekisa ukhuseleko lwakho lweNtlalo. Qaphela kakhulu ngokukhupha iNgxenye ye-A coverage. Kungakubiza!
> Imithombo:
> Umsebenzi wezoLuntu no-08-1715 (RMC) - iMemorandum Opinion. Inkundla yeSithili yase-United States kwiwebsite yeSithili sase-Columbia. https://ecf.dcd.uscourts.gov/cgi-bin/show_public_doc?2008cv1715-54. Ishicilelwe ngoMatshi 16, 2001.