Izindlela Ezi-10 Ongonga Ngazo Ama-premium Wakho E-Medicare ngo-2021

-Delile

• 1. Bhalisa ngesikhathi
• 2. Thola ukuthi ingabe uyifanele yini Ingxenye A engakhokhelwa ye-premium
• 3. Bika uma umholo wakho wehla
• 4. Cabanga ngeMedicare Advantage
• 5. Thenga ezungeze
• 6. Bheka iMedicaid
• 7. Faka isicelo sohlelo lokonga iMedicare
• 8. Thola usizo olungeziwe lwe-Medicare
• 9. Bheka ukuthi ngabe izwe lakho linohlelo lwe-State Pharmaceutical Assistance Program
• 10. Cwaninga izinhlelo ezengeziwe zombuso
• Ukuthatha

• Ukubhalisa ngesikhathi, ukubika ushintsho kumholo, nokuthenga ngezinhlelo kungasiza ekunciphiseni ama-premium akho e-Medicare.
• Izinhlelo ezinjengeMedicaid, izinhlelo zokulondolozwa kweMedicare, kanye nosizo olwengeziwe zingasiza ukumboza izindleko zakho zokunakekelwa kwempilo.
• Isifundazwe ngasinye singaba nezinhlelo zokusiza ukumboza leziizindleko.

Ngokuya ngokuthi iyiphi ingxenye ye-Medicare noma uhlelo olikhethayo, ungaba ne-premium yanyanga zonke. Izindleko zala maprimiyamu zingangezwa.

Eqinisweni, kulinganiselwa ukuthi ikota yabo bonke abantu abane-Medicare basebenzisa amaphesenti angama-20 noma ngaphezulu emholweni wabo kuma-premium nakwezinye izinsizakalo zezempilo ezingatholakalanga.

Kodwa-ke, kunezindlela eziningana zokusiza ukonga kuma-premium akho e-Medicare. Qhubeka ufunda ukuze ufunde ngamasu ayi-10 ongawasebenzisa ukugcina izindleko zakho ziphansi.

1. Bhalisa ngesikhathi

Abantu abaningi babhaliswa ngokuzenzakalela kwi-Medicare yasekuqaleni (Ingxenye A noNgxenye B). Noma kunjalo, abanye badinga ukubhalisa.

Isikhathi sokuqala ongabhalisa ngaso kwi-Medicare kungesikhathi sokubhalisa kwakho kokuqala. Lesi isikhathi sezinyanga eziyisikhombisa esenziwe ngenyanga ohlanganisa iminyaka engama-65, kanye nezinyanga ezintathu ngaphambi nangemva kwalokho.

Ezinye izingxenye zeMedicare zinezinhlawulo zokubhaliswa sekwedlule isikhathi. Lokhu kusho ukuthi kungadingeka ukhokhe imali eyengeziwe ye-premium yakho yenyanga uma ungabhalisi lapho uqala ukufaneleka.

Nazi izinhlawulo zokubhaliswa sekwedlule isikhathi njengoba zisebenza ezingxenyeni ezahlukahlukene zeMedicare:

• Ingxenye A. Iphrimiyamu yakho yanyanga zonke ingakhuphuka ize ifike kumaphesenti ayi-10. Uzokhokha le-premium ekhushulwe kabili kunombolo yeminyaka obungabhalisela ngayo esigabeni A kodwa ungakwenzi.
• Ingxenye B. Iphrimiyamu yakho yanyanga zonke ingakhuphuka ngamaphesenti ayi-10 we-standard B ejwayelekile ye-Part B esikhathini ngasinye sezinyanga eziyi-12 obungabhalisela yona ku-Part B, kodwa ukhethe ukungakwenzi. Uzokhokha lokhu sonke isikhathi lapho uneNgxenye B.
• Ingxenye D. Ungakhokha izindleko ezingeziwe zamaphrimiyamu weNgxenye D uma uhambe izinsuku ezingama-63 noma ngaphezulu ngemuva kwesikhathi sakho sokuqala sokubhalisa ngaphandle kwendlela ethile yokutholakala kwezidakamizwa ezifanelekayo.

2. Thola ukuthi ingabe uyifanele yini Ingxenye A engakhokhelwa ye-premium

Ukwazi ukuthi kuzodingeka ukhokhe imali ekhokhwa nyangazonke yeNgxenye A kungakusiza ukuthi uhlele ukuthi yiluphi uhlobo lweMedicare okufanele ubhalise kulo.

Iningi labantu alikhokhi imali ekhokhwa njalo ngenyanga yeNgxenye A. Lokhu kungenxa yokuthi bakhokhe intela yeMedare for amakota angama-40 (iminyaka eyishumi) noma ngaphezulu.

Abantu abangakhokhi intela yeMedicare yaleli nani lesikhathi bazokhokha imali ekhokhwa nyangazonke engxenyeni A. Ngo-2021, kungadingeka ukuthi ukhokhe phakathi kuka- $ 259 kuya ku- $ 471 ngenyanga uma ungafanelekile Ingxenye A.

3. Bika uma umholo wakho wehla

Ezinye izingxenye zeMedicare zihlotshaniswa nenani lokulungiswa elihlobene nenyanga elihlobene nemali engenayo (IRMAA).

I-IRMAA enye imali ekhokhwayo eyengeziwe engasetshenziswa kumaphrimiyamu anyanga zonke weNgxenye B neNgxenye D emakhaya anemali engenayo ephezulu. Lokhu kunqunywa ngokuya ngemininingwane yokubuyisa intela yemali evela eminyakeni emi-2 eyedlule.

Uma njengamanje ukhokha imali ekhokhwayo eyengeziwe kuma-premium akho anyanga zonke ngenxa ye-IRMAA, ungabika ushintsho emholweni ngenxa yento efana nesehlukaniso, ukushona komuntu oshade naye, noma ukuncishiswa komsebenzi.

Ungakwenza lokhu ngokushayela iSocial Security Administration (SSA), ugcwalise ifomu Lomcimbi Oguqula Ukuphila, futhi unikeze nemibhalo efanelekile. I-SSA ingasebenzisa lolu lwazi ukunciphisa noma isuse ukukhokhisa okungaphezulu.

4. Cabanga ngeMedicare Advantage

Izinhlelo zeMedicare Advantage (Ingxenye C) zithengiswa yizinkampani zomshuwalense ezizimele. Lezi zinhlelo zifaka yonke into embozwe ngaphansi kwe-Medicare yasekuqaleni futhi ingafaka nezinzuzo ezingeziwe njengokufakwa kwamazinyo nokubona.

Izinhlelo ze-Part C zivame ukuba namaphrimiyamu aphansi ngenyanga. Eqinisweni, kulinganiselwa ukuthi ezinhlelweni ezitholakalayo ze-Part C azinayo i-premium yenyanga.

Ngenxa yalokhu, izinhlelo ze-Part C zingaba yindlela enhle kulabo abafuna izindleko eziphansi ze-premium. Lokhu kungaba yiqiniso ikakhulukazi uma:

• abafanelekile ukuthola ingxenye engu-A yamahhala
• udinga ukukhokha izinhlawulo zokubhaliswa sekwedlule isikhathi ezingxenyeni A no-B
• kufanele ukhokhele i-IRMAA ngohlelo lwakho lweNgxenye B

5. Thenga ezungeze

Kunezingxenye ezithile zeMedicare ezithengiswa izinkampani ezizimele. Lokhu kufaka phakathi:

• Ingxenye C (Inzuzo)
• Ingxenye D (Ukusetshenziswa kwezidakamizwa kadokotela)
• IMedigap (Umshuwalense wokungezelela weMedicare)

Ama-premium akhokhwa nyangazonke alezi zinhlelo asethwa izinkampani eziwanikezayo. Inani ozolikhokha lingahluka kakhulu ngohlelo oluthile, inkampani enikela ngalo, nendawo okuyo.

Ngenxa yalokhu, kuwumthetho omuhle wesithupha ukuqhathanisa amapulani amaningi ahlinzekwa endaweni yakho ngaphambi kokukhetha elilodwa. I-Medicare inamathuluzi wokuqhathanisa awusizo wezinhlelo ze-Part C ne-Part D, kanye nokutholakala kwe-Medigap.

6. Bheka iMedicaid

IMedicaid wuhlelo oluhlanganyelwe lukahulumeni nolwezwe olungasiza abantu abanemali engenayo ephansi noma izinsizakusebenza ukukhokhela izindleko zabo zokunakekelwa kwempilo. Kungasiza futhi ukumboza izinsizakalo ezingajwayelekile ukumbozwa yi-Medicare, ezinjengokunakekelwa kwesikhathi eside.

Izinhlelo zeMedicaid zingahluka kuye ngesifundazwe. Ukuthola kabanzi mayelana nezinhlelo zeMedicaid ezitholakala esifundazweni sakho, nokubona ukuthi uyafaneleka yini, xhumana nehhovisi le-Medicaid lesifundazwe sakho.

7. Faka isicelo sohlelo lokonga iMedicare

Izinhlelo zokonga ze-Medicare zingakusiza ukuthi ukhokhele izindleko zamaphrimiyamu akho e-Medicare. Ungayifanelekela i-MSP uma:

• zifanelekile Ingxenye A
• ube nemali engenayo noma ngaphansi komkhawulo obekiwe, kuya ngohlobo lwe-MSP
• ube nezinsizakusebenza ezinqunyelwe, njenge-akhawunti yokuhlola noma yokonga, amasheya, noma amabhondi

Kunezinhlobo ezine zama-MSP:

• 8. Thola usizo olungeziwe lwe-Medicare

  Usizo Olungeziwe uhlelo olungasiza abantu abanemali engenayo elinganiselwe noma izinsizakusebenza ukukhokhela izindleko ezihambisana nezinhlelo zemithi kadokotela. Izibonelo zezindleko ezikhokhelwa Usizo Olungeziwe ama-premium akhokhwa nyangazonke, ama-deductibles nama-copay.

  Kulinganiselwa ukuthi usizo olunikezwa i-Extra Help lubiza cishe ama- $ 5,000 ngonyaka. Ngokwengeziwe, abantu abasebenzisa Usizo Olungeziwe ngeke badinge ukukhokha inhlawulo yokubhaliswa sekwedlule isikhathi ngezinhlelo zeNgxenye D.

  Ukuze ufanelekele Usizo Olungeziwe, kufanele uhlangabezane nemikhawulo ethile emalini engenayo nezinsizakusebenza. Ukuthola ukuthi uyakufanelekela yini ukuthola usizo olwengeziwe nokuthi ufake isicelo salolu hlelo, vakashela isiza sosizo se-SSA esingeziwe.

  Ngokwengeziwe, abanye abantu bafanelekela ukuthola usizo olungeziwe. Lawa maqembu afaka:

  • abantu abanokutholakala okuphelele kweMedicaid
  • labo abathola usizo ku-MSP, ikakhulukazi uhlelo lwe-QMB, SLMB, noma lwe-QI
  • abantu abathola izinzuzo ze-Supplemental Security Income ezivela ku-SSA

  9. Bheka ukuthi ngabe izwe lakho linohlelo lwe-State Pharmaceutical Assistance Program

  Ezinye izifundazwe zingaba noHlelo lwe-State Pharmaceutical Assistance Program (SPAP). Lezi zinhlelo zingasiza ngezindleko zemithi kadokotela futhi zingasiza futhi ukukhokhela amaphrimiyamu engxenye D.

  Akuzona zonke izifunda ezinama-SPAP. Ngokwengeziwe, izidingo zokumboza nokufaneleka zingahluka ngezwe. I-Medicare inethuluzi lokusesha eliwusizo kokubili ukubona ukuthi ngabe izwe lakho line-SPAP nokuthi lolo hlelo limbozani.

  10. Cwaninga izinhlelo ezengeziwe zombuso

  Ngaphezu kwazo zonke izindlela zokonga izindleko esizishilo ngenhla, izifundazwe ezithile zingaba nezinhlelo ezengeziwe ezingakusiza ukonga kuma-premium akho e-Medicare.

  Ukuthola kabanzi, xhumana noHlelo Lwe-State Health Assistance Program (SHIP) yakho. Ungathola imininingwane yombuso wakho ngewebhusayithi ye-SHIP.

  Ukuthatha

  Izindleko zamaphrimiyamu e-Medicare zingangezwa. Kodwa-ke, kunezindlela ezithile ongasebenza ngazo ukunciphisa izindleko.

  Ezinye izinketho zokwehlisa izindleko zanoma ngubani one-Medicare zifaka phakathi ukuqiniseka ukubhalisa ngesikhathi, ukubika ushintsho kumholo, nokucabanga ngohlelo C lwengxenye C ngokungafani neMedicare yasekuqaleni.

  Kukhona nezinhlelo ezikhona zokusiza abantu abahola kancane noma izinsizakusebenza ukukhokhela izindleko zokunakekelwa kwezempilo, kufaka phakathi ama-premium. Lokhu kufaka phakathi iMedicaid, MSPs, kanye ne-Extra Help.

  Ngokwengeziwe, izwe lakho lingaba nezinye izinhlelo ezikhona ukusiza izindleko eziphansi zokunakekelwa kwezempilo. Qiniseka ukuthi uxhumane noHlelo Lwe-State Health Assistance Program yakho ukuthola eminye imininingwane.

  Lo mbhalo uvuselelwe ngoNovemba 17, 2020, ukukhombisa imininingwane ye-2021 Medicare.

  

  Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.