I-Do's and Don'tts of Picking Benefits or Medicare Part D Plan
Ukususela ngo-Oktobha 15 ukuya kuDisemba 7 ngonyaka, amaziko e-Medicare kunye neMedicaid (i-CMS) ikunika ukulawula okukhululekile ukutshintshwa kwe-Medicare. Sebenzisa i- Period ye- Medicare Open Registration Period okanye unokubambelela kwisicwangciso sakho sonyaka ozayo, iiprimiyam kunye nazo zonke.
Into Ongayenza Ngethuba LokuBhaliswa Okuvulekileyo
Ubhaliso oluvulekileyo lixesha lakho lokukhetha isicwangciso seMedarethi esikunika igalelo elifanelekileyo kwixabiso elifanelekileyo.
Nazi iindlela zakho ezikhethiweyo.
Ungatshintsha ukusuka kwi- Original Medicare ukuya kwi-Medicare Benevantage .
- Unokutshintsha ukusuka kwi-Original Medicare ( Icandelo A kunye neCandelo B ) kwisicwangciso se-Medicare Benevantage plan (Icandelo C).
- Unokutshintsha ukusuka kwiNyango yezoNyango ukuya kwisiCwangciso soNcedo lweMida kunye neNgcaciso yeCandelo D (isicwangciso se-MA-PD).
- Ungatshintsha ukusuka kwi-Original Medicare kunye nesicwangciso seCandelo D kwisiCwangciso seNzuzo yeMedare.
- Unokutshintsha kwi-Original Medical kunye nesicwangciso seCandelo D kwisicwangciso se-MA-PD.
Unokutshintsha ukusuka kwi-Medicare Advantage ukuya kwi-Medicare yasekuqaleni.
- Unokutshintshwa kwisicwangciso seMedare Benevantage ukuya kwi-Original Medicare.
- Unokutshintshwa kwiplani ye-Medicare Benevantage ukuya kwi-Original Medicare kunye nesicwangciso seCandelo D.
- Unokutshintsha ukusuka kwiplani ye-MA-PD kwi-Medicare yaseMveli.
- Unokutshintshwa kwiplani ye-MA-PD ukuya kwi-Original Medicare kunye nesicwangciso seCandelo D.
Ungatshintsha ukusuka kwi-Medicare Advantage ukuya kwi-Medicare Benevantage.
- Unokutshintsha kwiplani enye ye-Medicare Advantage ukuya kwelinye icebo le-Medicare Benevantage.
- Unokutshintsha kwiplani ye-Medicare Benevantage kwisicwangciso se-MA-PD.
- Ungatshintsha ukusuka kwiplani enye ye-MA-PD kwenye iplani ye-MA-PD.
- Unokutshintsha ukusuka kwisicwangciso se-MA-PD kwisiCwangciso seNzuzo yeMedare.
Unokutshintsha isigxina sakho sokusetyenziswa kweziyobisi .
- Ungabhalisela isicwangciso seCandelo D.
- Unokutshintsha ukusuka kwisicwangciso seCandelo D ukuya kwisicwangciso seCandelo D.
- Unokukhansela i-Part D yakho.
Into ongenakuyenza Ngethuba lokuBhalisa okuvulekileyo
Ubhaliso oluvulekile lunemiqathango yalo. Awukwazi ukubhalisa kwi-Original Medicare ngethuba lokuqala okanye ubhalisele iNgxenye B, nangona usenayo iCandelo A.
Udinga ukubhalisela iCandelo A kunye / okanye iCandelo B ngexesha le-Period yokuqala yoBhaliso (IEP). IEP isekelwe kwiminyaka kwaye iqala inyanga ezintathu ngaphambi kokuba iphele inyanga ezintathu emva kokuzalwa kwakho kweminyaka engama-65 .
Ngaphandle koko, ukuba unomshuwalense kumqeshi, unokukwazi ukulibazisa ukubhaliswa kwakho kokuqala. Oku kunjalo kuphela ukuba inkampani osebenzayo iqesha ubuncinane abasebenzi abangama-20 abagciniweyo. Isikhathi sakho sokubhalisa esikhethekileyo siqala xa ushiya umsebenzi wakho okanye ulahlekelwa ngumsebenzi wakho wokuxhaswa kwempilo, oza kuqala, kwaye uhlala iinyanga ezilisibhozo.
Ukuba ulahlekelwa ixesha lokuQala lokuQala lokuQala, kufuneka ukulinde ixesha elide lokubhalisa kwiNgxenye A kunye / okanye kwiNgxenye B. Ixesha eliqhelekileyo lokuBhaliswa kwexesha liya kwenzeka kanye ngonyaka ukususela ngoJanuwari 1 ukuya kuMatshi 31.
ILizwi
Musa ukucinga ukuba isicwangciso sakho sangoku sicebo esilungileyo kuwe. Abaninzi abakhulileyo bawela kwixhoba ukuze bafumane lula kwaye bathathe indlela elula xa utshintsho kwizicwangciso lungabhekisela kuloncedo olungcono. Iindleko zitshintsha.
Utshintsho lwenguqu. Utshintsha impilo yakho. Kungomdla wakho ukwenza uncedo oluthile unyaka wonke.
Ukuba awuqinisekanga ukuba ungaphi na uncedo, unokuqhathanisa izicwangciso ezahlukeneyo kwi-medicare.gov/find-a-plan. Unokucinga kwakhona ukufikelela kwiNkqubo yoNcedo lweNkxaso ye-inshurensi yempilo (I-SHIP) yeengcebiso.