Ngikhokha Kanjani I-Medicare?

-Delile

• Ukubuka konke
• Ngubani ofanelekela ukufakwa kwe-Medicare?
• Kubiza malini uhlelo ngalunye?
• I-Medicare Part A - Ukulaliswa esibhedlela
• I-Medicare Part B - Ukuvakashelwa kwezokwelapha / kodokotela
• I-Medicare Part C - Izinhlelo ze-Advantage (isibhedlela, udokotela, nemithi kadokotela)
• I-Medicare Part D - Imithi kadokotela
• Ungazinciphisa kanjani izindleko ze-Medicare?

Ukubuka konke

Uma ucabanga ukuthatha umhlalaphansi, awusoze waqala ukuhlela kusenesikhathi. Kungcono ukuqala ukuhlela okungenani izinyanga ezi-3 ngaphambi kokuba ube neminyaka engama-65. Lokhu kuzokusiza ukuthi uthathe isinqumo unolwazi futhi ugweme izinhlawulo zokuphuthelwa isikhathi sokubhalisa.

Ngubani ofanelekela ukufakwa kwe-Medicare?

Uma usondela ku-65 noma usuvele uneminyaka engama-65 noma ngaphezulu, udinga ukuphendula imibuzo embalwa eyisisekelo:

• Ingabe uyisakhamuzi sase-U.S. Noma uhlala ngokomthetho?
• Uke wahlala e-United States okungenani iminyaka emihlanu?
• Ngabe ususebenze okungenani iminyaka eyishumi emisebenzini embozwe yi-Medicare noma unikele ngokulingana ngentela yokuzisebenza?

Uma uphendule ngoyebo kuyo yonke le mibuzo, ufanelekile ukubhalisa kwi-Medicare. Uma ungahlangabezani nale mibandela, usengabhalisa kwiMedicare kodwa kuzofanele ukhokhe imali ekhokhwa njalo ngenyanga.

Kubantu abaningi, iMedicare Part A (esibhedlela) uzonikezwa yona mahhala. I-Medicare Part B (ukuvakashelwa odokotela / ukunakekelwa kwezokwelapha) kohlelo lwendabuko lwe-Medicare uhlelo olukhethiwe.

Uzokhokha imali ekhokhwayo njalo ngenyanga ye-Medicare Part B. Uma uthola izinzuzo ze-Social Security, Railroad Retirement Board, noma ze-Office of Personnel Management, iphrimiyamu yakho yengxenye B izodonswa ngokuzenzakalela ekukhokheni kwakho kwenzuzo. Uma ungatholi lezi zinkokhelo zemihlomulo, uzothola ibhili.

Uma unentshisekelo ezinhlelweni ze-Medicare Advantage Plans (ukuhlanganiswa okuhlanganisiwe) noma ngokubhaliswa kokuqala noma ushintsho ekuhlanganisweni, unezici eziningi okufanele uzicabangele. Okusemqoka ukubheka uhlelo oluhlangabezana nazo zonke izidingo zakho futhi olulinganayo kwisabelomali sakho.

Uzokhokha amaphrimiyamu aphakeme nyangazonke ngokushintshisana ngezindleko eziphansi ezikhwameni. Ezimweni eziningi, kuzoba nokudonswa kwemali kanye nama-copay ezinsizakalo eziningi zezokwelapha, imikhiqizo nezinqubo. Uma ukhetha ukumbozwa kwe-Medicare Plan D (kadokotela), uzokhokha ne-premium yanyanga zonke.

Kubiza malini uhlelo ngalunye?

Uhlelo ngalunye lweMedicare luneminikelo ehlukile nezindleko ezahlukahlukene. Nakhu ukubuka izindleko ezihambisana nohlelo ngalunye, kufaka phakathi ama-premium, ama-copay, nezindleko ezingaphandle kwephakethe.

I-Medicare Part A - Ukulaliswa esibhedlela

Kubantu abaningi, uzonikezwa i-Part A kuwe mahhala. Uma udinga ukuthenga ingxenye A, uzokhokha kufika ku- $ 437 inyanga ngayinye.

Inani elidonswayo lama- $ 1,364 kufanele likhokhelwe ngumnikazi womshwalense (wena) esikhathini ngasinye senzuzo.

Ama-copayment asuselwa kwinani lezinsuku zokulaliswa esibhedlela.

Imali yokubhalisa yamuva ingalingana namaphesenti ayi-10 wemali yakho ye-premium. Izimali zikhokhwa kabili inani leminyaka ongabhaliswanga ngalo.

Akukho mkhawulo ophuma ephaketheni wemali oyikhokhayo.

I-Medicare Part B - Ukuvakashelwa kwezokwelapha / kodokotela

Iningi labantu likhokha u- $ 135.30 inyanga ngayinye. Abanye abasezingeni eliphakeme lokuhola bakhokha ngaphezulu.

Imali ekhishwayo ingama- $ 185 ngonyaka. Ngemuva kokuthi kudonswe imali yakho, uvame ukukhokha amaphesenti angama-20 wezindleko zezinsizakalo.

Ungalindela ukukhokha:

• $ 0 ngezinsizakalo ze-laboratory ezivunyelwe yi-Medicare
• $ 0 ngezinsizakalo zokunakekelwa kwempilo ekhaya
• Amaphesenti angama-20 wemali evunyelwe yi-Medicare yemishini yokwelashwa ehlala isikhathi eside, njenge-walker, isihlalo sabakhubazekile, noma umbhede wasesibhedlela
• Amaphesenti angama-20 wezinsizakalo zezempilo zengqondo
• Amaphesenti angama-20 wezinsizakalo zezibhedlela ezingalaliswanga

Imali yokubhalisa yamuva ingalingana namaphesenti ayi-10 wemali yakho ye-premium. Izimali zikhokhwa kabili inani leminyaka ongabhaliswanga ngalo.

Akukho mkhawulo ophuma ephaketheni wemali oyikhokhayo.

I-Medicare Part C - Izinhlelo ze-Advantage (isibhedlela, udokotela, nemithi kadokotela)

Izinkokhelo zanyanga zonke ze-Part C ziyahlukahluka kuye ngemali oyibikayo iminyaka emibili, izinketho zezinzuzo, kanye nohlelo uqobo.

Inani olikhokhela ukukhishwa kweNgxenye C, ama-copayments, kanye ne-coinsurance kuyahluka ngohlelo.

Njenge-Medicare yendabuko, Izinhlelo ze-Advantage zikwenza ukhokhe ingxenye yezindleko zezinsizakalo zezokwelapha ezihlanganisiwe. Isabelo sakho somthethosivivinywa ngokuvamile sisuka emaphesentini angama-20 siye kumaphesenti angama-40 noma ngaphezulu, kuya ngokunakekelwa okuthola.

Zonke izinhlelo ze-Advantage zinomkhawulo waminyaka yonke kuzindleko zakho ezingaphandle kwesikhwama sezinsizakalo zezokwelapha. Umkhawulo wesilinganiso sokuphuma ephaketheni ngokuvamile usukela ku- $ 3,000 uye ku- $ 4,000.Ngo-2019, umkhawulo omkhulu ophuma ephaketheni ngu- $ 6,700.

Ngezinhlelo eziningi, uma usufinyelele lo mkhawulo, ngeke ukhokhe lutho ngezinsizakalo ezihlanganisiwe. Noma iyiphi i-premium yanyanga zonke oyikhokhela ukumbozwa kwe-Medicare Advantage ayibheki ebangeni eliphakeme lecebo lakho eliphuma ephaketheni.

Noma iziphi izindleko ezikhokhelwa ukumbozwa kwezidakamizwa ezihlinzekwa iziguli ezingalalisiwe (Ingxenye D) azisebenzi kubukhulu bakho obuphuma ephaketheni.

I-Medicare Part D - Imithi kadokotela

Izinkokhelo zanyanga zonke ze-Part D ziyahluka ngohlelo olukhethayo nendawo yezwe ohlala kulo. Zingaba kusuka ku- $ 10 kuye ku- $ 100 ngenyanga. Amaphrimiyamu angaphakama ngokususelwa kumholo wakho obikiwe iminyaka emibili ngaphambi kokubhaliswa.

Inani olikhokhela i-Part D yakho edonswa minyaka yonke alikwazi ukuba ngaphezu kwama- $ 360.

Ngemuva kokufinyelela inani elinqunyelwe kusengaphambili kuma-copayments, ufinyelele igebe lokumboza, elibizwa nangokuthi "umgodi wedonathi." Ngokuya ngewebhusayithi ye-Medicare yango-2019, uma wena nohlelo lwakho nisebenzise imali engu- $ 3,820 kwizidakamizwa ezihlanganisiwe, nisesigabeni sokutholakala. Leli nani lingashintsha unyaka nonyaka. Ngaphezu kwalokho, abantu abafanelekela usizo oluthe xaxa abakhokha izindleko zeNgxenye D, abangeni kuleli gebe.

Ngesikhathi segebe lokumboza, uzokhokha amaphesenti angama-25 ngemithi eminingi enegama lomkhiqizo, namaphesenti angama-63 ngemithi ejwayelekile. Uma unohlelo lweMedicare olufaka ukumbozwa esikhaleni, ungathola isaphulelo esingeziwe ngemuva kokuthi ukufakwa kwakho kusetshenziswe entengo yomuthi. Chofoza lapha ukuthola ulwazi olusesikhathini ngegebe lokuhlanganisa.

Uma usuchithe ama- $ 5,100 uphuma ephaketheni, usuphume esikhaleni sokumboza futhi ngokuzenzekelayo ungene kulokho okubizwa ngokuthi “ukumbozwa okuyinhlekelele.” Uma uku-coverage eyinhlekelele, udlala kuphela inani elincane le-coinsurance (i-copayment) yezidakamizwa ezihlanganisiwe unyaka wonke.

Imali yokubhalisa yamuva ingalingana namaphesenti ayi-10 wemali yakho ye-premium. Izimali zikhokhwa kabili inani leminyaka ongabhaliswanga ngalo.

Ungazinciphisa kanjani izindleko ze-Medicare?

Qiniseka ukuthi uyabhalisa ngesikhathi sakho esidingekayo ukugwema izinhlawulo ezingaba khona, futhi khetha kuphela ukumboza ocabanga ukuthi uzokusebenzisa. Uma uthatha imishanguzo kadokotela embalwa noma uthatha izidakamizwa ezingabizi kakhulu, ungahle ungafuni ukuthenga ukumbozwa ngemithi kadokotela.

Ukuthi ukhetha uhlelo lwezidakamizwa kadokotela noma cha, ukucela izinhlobo ezijwayelekile zemithi egama lomkhiqizo nakho kungakongela imali.

Ezinye izinhlelo nge-Medicare zingakusiza nokuthi ukhokhele ama-premium akho. Ukuze ufanelekele lezi zinhlelo, kufanele:

• ufanelekele Ingxenye A
• ube nezinga lemali engenayo elingana noma elingaphansi kwenani eliphakeme lohlelo ngalunye
• ube nezinsiza ezilinganiselwe

Izinhlelo ezinhlanu ezitholakalayo njengamanje yilezi:

• Uhlelo Olufanelekayo Lokuhlomula Ngemithi (QMB)
• Uhlelo Olucacisiwe Lwezinzuzo Ezihola Phansi (SLMB)
• Uhlelo Olufanelekile Lomuntu Ngamunye (QI)
• Uhlelo Olufanelekile Lokusebenza Kwabantu Abakhubazekile (QDWI)
• Uhlelo Olengeziwe Losizo lwemithi kadokotela (i-Medicare Part D)

Lezi zinhlelo zingakusiza ukuthi ukhokhele ama-premium we-Part A ne-Part B, nezinye izindleko ezinjengokudonswa kwemali, ukubuyiselwa kwemali, kanye nama-copayments.