Xa i-Medicare yaseMveli ayifanele
Akukho mntu ufuna ukubanjelwa kwisiqhwithi seendleko zeefolthi. Kunoko, sifuna ukunakekelwa kwezempilo yethu phantsi kwesambulela esinye. Elula, efanelekileyo, kwaye elula.
Yintoni oyenzayo xa isicwangciso sakho se-inshorensi singayi kulufihla zonke iinkonzo ozifunayo? Le ngxaki abaninzi abantu baseMerika bajamelana nayo xa befanelekile kwi-Medicare . Unokufuna ukuqwalasela isicwangciso sokubhengezwa ngokukhawuleza ukuba kwaye xa ufuna.
Oku kunokuthetha ukuthatha isigqibo phakathi kwesicwangciso se-Medicare Benevantage kunye nesicwangciso se-Supplementary Medigap.
Iinqununu zakho ezintathu zeMedare
I-Medicare yoMy Ingxaki ishiya isikhala esibalulekileyo ekunikeni iinkonzo ezininzi abantu abadala abakudinga xa bebudala, kubandakanya ukuhanjiswa kwee-lens (ii-lens zoqhagamshelwano okanye iziglasi zamehlo), amazinyo omzimba , kunye nezixhobo zokuva. Unokukhetha ukuhlawula loo ndleko ngaphandle kwepokothini okanye unokufuna enye i-coverage ukuze uhlawule iindleko zakho.
Kuloo nto, unokuthenga isicwangciso sokuncedisa iMedigap ekusebenziseni kunye ne-Original Medicare yakho, okanye ungakhetha olunye uhlobo lwesicwangciso se-Medicare ngokupheleleyo, icebo le- Medicare Benevantage .
Okubalulekileyo, unezigqibo ezintathu:
- I-Medicare yasekuqaleni ( Amacandelo A kunye no-B ) yodwa
- I-Medicare yasekuqaleni kunye nesicwangciso seMedigap
- Isicwangciso soNcedo lweMithi (iCandelo C)
* Unokongeza i-Part D yokubhalwa kwemigqaliselo yonyango kwiyiphi na le meko.
Ngaphambi kokuba wenze isigqibo, yazi ukuba izibonelelo kunye neengxaki ziyinto nganye yezi zikhetho.
Izinzuzo zokukhetha iSicwangciso seNzuzo yeMedare
Izicwangciso ze-Medicare Benevantage ziyingxenye C ye-Medicare. Unakho ukhetho lokukhetha i-Original Medicare okanye iSicwangciso seNzuzo ye-Medicare, kungekho bobabini. Ngo-2017, izigidi ezingama-19 zaseMelika, iipesenti ezingama-33 zabeMagare, ziye zakhetha izicwangciso ze-Medicare Advantage.
Nazi izizathu zokuba kutheni.
- Iinkonzo ezingaphezulu. Izicwangciso ze-Medicare Benevantage kwizicwangciso ezincinci zonke izinto ezenziwa yi-Original Medicare. Lo ngumqathango obekwe nguRhulumente. Ngokuxhomekeke kwiplani ekhethekileyo ye-Medicare Advantage, ungakhokelela ukongeza ukuhanjiswa kweenkonzo ezingakhange zifakwe yi-Medicare yaseMveli.
- Izicwangciso ezingaphezulu. Ukuba udinga ukukhutshwa kwezidakamizwa , uya kufuneka uthenge isicwangciso seCandelo D ukongeza kwi-Medicare yasekuqaleni. Amalungiselelo amaninzi e-Medicare Benevantage abandakanya iCandelo D. Oku kwenza izinto zibe lula kuwe kuphela ukuba ubhalisele isicwangciso esinye. Kwakhona kunciphisa inani leeprayimari ozihlawula ngenyanga.
Iingxaki zokukhetha iSicwangciso seNzuzo yeMedare
Isicwangciso esibonakalayo njengesicwangciso se-Medicare Benevantage sinokubonakala ngathi, sinalo. Cinga ngalawa ngaphambi kokuba ukhethe.
- Inethiwekhi encinci yababoneleli. Uya kuba nenethiwekhi encinci yabanikezeli abanokukhetha kunokuba ngaphantsi kweMpilo yeMveli. Oku kungenxa yokuba akubona bonke ababoneleli beMedaretha bathatha inxaxheba kwiiplani ze-Medicare Benevantage. Oku kungenza kube nzima ukufikelela ukunakekelwa kwiimeko ezithile.
- Ukuqhutywa ngamashishini aneshuwarensi yabucala. Iindleko ze-Premium ziyahlukahluka ngokusekelwe kwindlela ozikhethileyo ngayo kunye nenkampani othengayo kuyo. Oku kuya kuthetha ukuba uya kufuneka wenze uphando kwaye uthenge ngeenxa zonke ukuze ufumane into ephambili. URhulumente akalawuli ukuba inkampani ye-inshurensi inokukuhlawula iipriyam okanye ezinye iindleko zeefowuni.
Iyintoni Isicwangciso seNtshurensi yokuNcedisa iMigigap?
Ukuba ukhetha ukuhlala kunye neMveli yeMveli, ungathenga isicwangciso sokuncedisa iMedigap ukukunceda ukuhlawula iibhilidi zakho ze-Medicare . Ukucaca, iiplani zeMedigap azifihla iinkonzo zonyango. Oko bayenzayo kuyancipha iindleko zeMveli zeMveli ziphuma etafileni, iindleko ezinjengezinto ezithintekayo, i-coinsurance kunye ne-copayments.
Awukwazi ukufumana isicwangciso sokuncedisa iMedigap kunye nesicwangciso seMedare Benevantage. Kufuneka ukhethe - ngaba kubaluleke kakhulu ukuba ube neengxelo ezininzi zonyango okanye ixabiso lokunciphisa imali ephantsi kunye neepayipi?
Izicwangciso zeMedigap zibhalwe nge-A nge-N. Zihlawula malunga neendleko zakho zeefokethi, ukuxhomekeka ngokukodwa, i-coinsurance, i-copayments kunye neendleko zokuhamba kwamanye amazwe.
Qaphela ukuba i-E, H, I, kunye ne-J ayisekho.
Kuyafana nezicwangciso ze-Medicare Benevantage, iiplani ze-Medigap zinikezelwa ngamashishini a-inshurensi yabucala kodwa izikhokelo zenkxaso-nkqubo zichaza oko kufuneka zifake. Zonke izicwangciso ezicatshulwa ziya kuba neendlela ezifanayo, oko kukuthi isicwangciso seF isicwangciso F apho uthenge khona. Uzakufuna ukuthenga ngeenxa zonke kwiirhafu ezingcono.
(Dis) Iingenelo zeMicrosoft Supplement Plans Plans Plans
Izicwangciso zeMedigap zinikezela ukuguquguquka. Unokukhetha isicwangciso esincinci okanye esiphezulu esisekelwe kwiimfuno zakho ngelixa uqhubeka nokufikelela kwinethiwekhi enkulu yabanikezeli bezeMpilo ukuba awukwazi ukufikelela kwi-Medicare Benevantage.
Umbuzo ozozibuza ukuba ingaba iindleko zeenyanga zokuqala zenyanga zifanelekile okanye ziyixabiso lexabiso eliza kulondoloza kwiindleko ze-Original Medicare.
Inxalenye ekhohlakeleyo malunga nezicwangciso zeMedigap kukuba ziyakwenza iindleko ngakumbi xa unesimo esasikhona ngaphambili . Isikhathi yinto yonke, kwaye xa uphoswa Ixesha elincinci lokuBhalisa oluPhezulu, inkampani yomshuwalense inokubaluleka kwindlela enokukuhlawula ngayo. Ukufumana isantya esingathintekiyo kwiimeko ezikhoyo ngaphambili, kufuneka ubhalise kwifestile yecala elilodwa eliqalayo xa ubhalisa kuqala kwiNgxenye B kwaye uphela iinyanga ezintandathu kamva.
*** Qiniseka ukuba ungadibanisi i-inshurensi yobonelelo nge-inshurensi yesibini. Amagama afana nesandi. I-inshurensi yesibini ithetha ukuba unesicwangciso esithile sezempilo esiya kuhlawula iinkonzo zempilo, oko kukuthi, isicwangciso sempilo esixhaswe ngumqashi, iintlawulo zomhlala phantsi okanye ii-VA. Isicwangciso seMedigap asidibanisi iinkonzo ezongezelelweyo zempilo okanye i-coverage.
ILizwi
Wonke umntu unemfuno ezahlukeneyo. Nguwe kuphela owaziyo ukuba ufuna kangakanani umzimba kunye noko uza kukwazi ukufikelela. Cinga ngenyameko malunga naluphi uhlobo olukhethayo imeko yakho. Unokugqiba isigqibo sokuba uza kusindisa imali engakumbi ngokukhetha isicwangciso seMedare Benevantage esinika iinkonzo ezingaphezulu okanye icebo lokuxhaswa kweMedigap elinciphisa i-Medicare yasekuqaleni ngaphandle kweendleko zesikhwama.
> Imithombo:
> Jacobson G, iDamico A, i-Neuman T, i-Gold M. Medicare Inzuzo 2017 Inkcazo: UkuBhaliswa kweMakethe yeMbuyekezo. Iwebhusayithi yakwaHenry J. Kaiser Family Foundation. Ipapashwe ngoJuni 7, 2017.
> Medicare Benevantage. Iwebhusayithi yakwaHenry J. Kaiser Family Foundation. http://www.kff.org/medicare/fact-sheet/medicare-advantage/. Ipapashwe ngoMeyi 11, 2016.
> Yintoni ye-Medicare Supplement Insurance (Medigap)? KwiWebhare.gov website. https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html.