Ukufuduka kungabakho ixesha elibi. Kulula ukuba iinkcukacha ezincinci zilahleke ngokukhawuleza okanye zikhohliwe. Ungavumeli ukukhutshwa kweMediare yakho ibe yenye yezo nkcukacha.
Ngokuxhomekeke kuhlobo lwe-Medicare ekhethiweyo kunye nokuba uhamba ngaphesheya kwedolophu okanye kude, amanyathelo okufuneka uwathathe angabi lula njengoko ukwazisa ulawulo loKhuseleko loLuntu lweenguqu yakho yeedesi.
Nangona kunjalo, babe nobunzima njengoko becela ixesha lokubhalisa elikhethekileyo , ukhetha isicwangciso esitsha sezempilo, ufumane ugqirha omtsha, kwaye uthumele iirekhodi zakho zonyango.
Uluhlobo lweMicrotheriya oye wachaza oko kufuneka uyenze
Njengomgaqo jikelele, izicwangciso ezifuna ukuba usebenzise inethwekhi ethile yabanikezeli benkonzo kunye nezicwangciso ezahlukileyo kummandla wendawo ziya kufuneka zitshintshe ukuba uhamba ngaphandle kwendawo yenkonzo yesicwangciso. Izicwangciso ezingafuneki ukuba zisebenzise ababoneleli ngee-intanethi zingasadingeki zitshintshwe. Nangona kunjalo, imigaqo malunga nokuba ngaba awuvumelekanga ukutshintsha izicwangciso, kwaye ukuba kunjalo, ixesha elivumelekileyo lokutshintsha isicwangciso, kunzima.
Izicwangciso Ezifanayo Kwi-United States
- I-Medicare Icandelo A
- Medicare Part B
- Izicwangciso zee- standard zeMedigap
Izicwangciso ezithintekayo ukusuka kwiNgingqi ukuya kwiNgingqi okanye loo nto inokufuna ukuba usebenzise uMboneleli weNethiwekhi
- I-Medicare Ingxenye D izicwangciso zeziyobisi zonyango
- I-Medicare Ingxenye C, enye enye eyaziwa njenge- Medicare Benevantage
- I-Medicare Khetha, uhlobo olukhethekileyo lwesicwangciso seMedigap
Ukuba unayo i-Medicare Part A kunye ne-Medicare Part B, kufuneka uxelele uLawulo loKhuseleko loLuntu lweenguqu yakho yeedesi, kodwa akuyi kudingeka ukuba utshintshe izicwangciso nje ngokuba uhambisa indawo.
Ukuba unesicwangciso se-Medicare Part D, isicwangciso se-Medicare Benevantage, okanye iPirigap Medicare Khetha icebo, kufuneka uqaphele ukuba idilesi yakho entsha isaphakathi kwendawo yesevisi yesicwangciso.
Ukuba akunjalo, unokufuna ukhethe isicwangciso esitsha esisebenzela abahlali bendawo entsha.
I-Medicare Inzuzo kunye ne-Medicare Part D
Ukuba uhamba ngaphandle kwendawo yenkonzo yenkonzo yakho ye-Medicare Benevantage okanye indawo yeenkonzo ye-Medicare Part D, ungatshintsha kwi-Medicare Advantage okanye kwi-Medicare Part D icebo elibonelela ngokukhawuleza kwindawo yakho entsha. Unokwenza oku kutshintshile inyanga uhamba kunye ukuya kwiinyanga ezimbini emva kokuba uhamba xa ukwazisa isicwangciso sakho sangoku ngaphambi kokuba uhambe. Ukuba ulinda de emva kokuba uhambe ukuxelela isicwangciso sakho samanje malunga nokutshintsha kweedesi, ungatshintshwa izicwangciso kwenyanga kunye neenyanga ezimbini ezizayo.
Ukuba usuka endaweni ye-Medicare Advantage yesicwangciso senkonzo kwaye ungakwazi ukubhalisa kwisicwangciso esitsha se-Medicare Benevantage kwindawo yakho entsha, uya kutshintshela ngokuzenzekelayo kwi-Medicare yasekuqaleni. Oku kuya kwenzeka xa isicwangciso sakho seminyaka esidala se-Medicare Advantage sinyanzeliswa ukuba sichitha ngenxa yokuba awuhlali ngaphakathi kwendawo yesevisi.
Uluhlu lokuhlola lokuhamba xa unayo i-Medicare Benevantage
Uluhlu lokuhlola lokuhamba xa une-Medicare Part D
Ukunyuka ngaphakathi okanye ngaphandle kweKhaya loMhlengikazi
Ukuba uhamba okanye uphume kwikhaya lokunonyamekela, imithetho iyahluke kakhulu. Ungashintsha kwi-Medicare Advantage okanye kwi-Medicare Part D isicwangciso kwenye.
Unokutshintsha ukusuka kwi-Medicare Benevantage ukuya kwiiNgqungquthela ze-Medicare zangaphambili kunye ne-B, okanye utshintshe kwi-Original Medicare ukuya kwi-Medicare Benevantage. Ungayilahla ngokupheleleyo isicwangciso sakho se-Medicare Part D. Unokwenza utshintsho ngelixa uhlala kwikhaya labahlengikazi, kwaye emva kweenyanga ezimbini emva kwenyanga uphuma kwikhaya labahlengikazi.
IMedigap kunye nokufuduka
Kufuneka uxelele inkampani yomshuwalense ebonelela ngesicwangciso sakho sezempilo saseMedigap esongezelelayo, kodwa ungadingi ukutshintsha iinkampani zinshurensi yaseMedigap. Izicwangciso zeMedigap zihlala zilungele lonke ilizwe; umzekelo, i-Medigap Isicwangciso F inikeza inkxaso efanayo kwilizwe elinye njengoko lenza kwelinye ilizwe.
Ngoko, unokukwazi ukugcina isicwangciso seMedigap kunye nenkampani yomshuwalense nangona utshintsho lweedesi. Nangona kunjalo, ukuba unonophelo lwezokwelapha lubiza kakhulu kwindawo oya kuyo kunokuba uyasuka kude, inkampani yakho yomshuwalense yaseMedigap ingavunyelwa ukwandisa i-premium yakho ye-Medigap yenyanga.
Ukuba umgaqo wakho weMedigap uyiSicwangciso seMedarethi, enye efuna ukuba usebenzise inethiwekhi ethile yabanikezeli benonophelo lwezempilo, imithetho iyahluke kakhulu. Ukuba uphuma kwiprogram yesevisi yeCandelo le-Medicare Khetha, unelungelo lokutshintshela kwenye ipolisi ye-Medigap ukuba ufuna. Ixesha ovumelekileyo ukuba utshintshe izicwangciso lugqityiweyo, nangona kunjalo, jonga inkampani yomshuwalense enika umgaqo wakho we-Medicare Select ukuqinisekisa ukuba uyaziqonda iinkcukacha uze ulandele yonke imigaqo.
Ezinye izinto
Kufuneka uxelele uLawulo loKhuseleko loLuntu kwidilesi yakho entsha kungakhathaliseki ukuba uluhlobo luni lwe-Medicare onayo.
Ukuba awukwazi ukugcina ugqirha wakho, kufuneka ukhethe ugqirha omtsha kwindawo yakho entsha. Ugqirha wakho omtsha wokunyamekela usenokukwazi ukuncomela iingcali ezintsha xa zifuneka.
Ukuba utshintshe oogqirha, cwangcisa ukuba iirekhodi zakho zonyango zihanjiswe kugqirha entsha. Eyona nto ingcono, fumana iikopi kumgqirha wakho wamanje, kwaye unikezele ngesandla ugqirha wakho omtsha.
Ukuba ufuna ulwazi olungakumbi, umgca we-Medicare uncedo ngowama-1-800-MEDICARE. Okanye, unokuqhagamshelana nomcebisi kwiNkqubo yoNcedo lweNkxaso ye-inshurensi yempilo kwindawo oya kuyo okanye usuka kuyo.
> Imithombo:
> I-Medigap Ilungelo Lemiba Eqinisekisiwe