Ukuqonda Imithetho Yobudala Bokufaneleka Kwemithi

-Delile

• Yimuphi unyaka wokufaneleka we-Medicare?
• Ukukhishwa kwezidingo zokufaneleka kweminyaka yobudala be-Medicare
• Ezinye izidingo zokufaneleka kwe-Medicare
• Funda ngezingxenye ezahlukahlukene zeMedicare
• Ukuthatha

I-Medicare wuhlelo lomshuwalense wezempilo kahulumeni wesifundazwe wezakhamizi ezindala nabantu abakhubazekile. Uma uneminyaka engama-65 noma ngaphezulu, ufanelekela i-Medicare, kodwa lokho akusho ukuthi uyithola ngokuzenzakalela.

Lapho usuhlangabezane nezilinganiso zeminyaka ethile noma ezinye izindlela zeMedicare, kukuwe ukuthi ubhalise kulolu hlelo.

Ukubhalisa ku-Medicare kungaba inqubo edidayo. Kudinga ukuqonda ezinye izisekelo zokuthi uhlelo lusebenza kanjani.

Le ndatshana izokhuluma ngalokho odinga ukukwazi mayelana:

• yini iMedicare
• ungasifaka kanjani isicelo
• uhlangabezana kanjani nezikhathi zokugcina ezibalulekile
• ungathola kanjani ukuthi uyafaneleka yini

Yimuphi unyaka wokufaneleka we-Medicare?

Iminyaka yokufaneleka kweMedicare ineminyaka engama-65 ubudala. Lokhu kusebenza noma ngabe usasebenza noma cha ngesikhathi sokuzalwa kwakho kweminyaka engama-65. Awudingi ukuthatha umhlalaphansi ukuze ufake isicelo seMedicare.

Uma unomshuwalense ngomqashi wakho ngesikhathi ufaka isicelo seMedicare, iMedicare izoba ngumshwalense wakho wesibili.

Ungafaka isicelo seMedicare:

• ezinyangeni ezintathu ngaphambi kwenyanga uhlanganisa iminyaka engama-65
• phakathi nenyanga uhlanganisa iminyaka engama-65
• kuze kube izinyanga ezintathu ngemuva kwenyanga uhlanganisa iminyaka engama-65

Lesi sikhathi esinqunyelwe usuku lwakho lokuzalwa lwama-65th sinikeza inani lezinyanga eziyi-7 ukubhaliswa.

Ukukhishwa kwezidingo zokufaneleka kweminyaka yobudala be-Medicare

Kunezinto eziningi ezehlukile ekufuneni kweminyaka yokufaneleka kweMedicare, kufaka phakathi:

• Ukukhubazeka. Uma umncane kuneminyaka yobudala engama-65 kodwa uthola Ukuvikeleka Komphakathi ngenxa yokukhubazeka, ungahle ufaneleke ukuthola iMedicare. Ngemuva kwezinyanga ezingama-24 zokuthola ukuphepha kwezenhlalakahle, uyafaneleka eMedicare.
• ALS. Uma une-amyotrophic lateral sclerosis (ALS, noma isifo sikaLou Gehrig), uyafaneleka ukuthola i-Medicare ngokushesha nje lapho izinzuzo zakho zokukhubazeka Kwezenhlalakahle ziqala. Awukhonjelwe esikhathini sokulinda sezinyanga ezingama-24.
• I-ESRD. Uma unesifo sesifo sokuphela kwesigaba (ESRD), uba iMedicare efanelekile ngemuva kokufakelwa izinso noma izinyanga ezintathu ngemuva kokuqala ukwelashwa kwe-dialysis.

Ezinye izidingo zokufaneleka kwe-Medicare

Kunezinqubo ezimbalwa zokufaneleka kweMedicare ngaphezu kwezidingo zeminyaka.

• Kufanele ube yisakhamuzi sase-U.S. Noma umhlali wasezomthetho ohlala e-United States okungenani iminyaka emihlanu.
• Wena noma oshade naye kufanele nikhokhele Ezokuphepha Komphakathi ngemali elinganiselwa eminyakeni eyi-10 noma ngaphezulu (ebizwa nangokuthi uthole izikweletu ezingama-40), NOMA kufanele ngabe ukhokhe intela yeMedare ngenkathi wena noma oshade naye nibe yisisebenzi sikahulumeni wesifundazwe.

Njalo ngonyaka, umjikelezo wokubhalisa kwi-Medicare ubukeka ufana. Nayi imikhawulo ebekiwe okufanele uyikhumbule:

• Usuku lwakho lokuzalwa lwama-65. Isikhathi sokuqala sokubhalisa. Ungafaka isicelo sokubhalisa kwi-Medicare kuze kufike ezinyangeni ezintathu ngaphambi, inyanga ka, nezinyanga ezintathu ngemuva kosuku lwakho lokuzalwa lwama-65.
• Januwari 1 – Mashi 31. Isikhathi sokubhaliswa sonyaka. Uma ungazange ufake isicelo seMedicare phakathi kwewindi lezinyanga eziyi-7 ezungeze usuku lwakho lokuzalwa, ungabhalisa ngalesi sikhathi. Ungashintsha futhi phakathi kwezinhlelo ze-Original Medicare ne-Medicare Advantage futhi ushintshe uhlelo lwakho lwe-Medicare Part D ngalesi sikhathi. Uma ubhalisa kwi-Medicare Part A noma ku-Part B ngalesi sikhathi, uzoba nokutholakala ngomhlaka 1 Julayi.
• Okthoba 15 – Disemba 7. Isikhathi esivulekile sokubhalisa kulabo ababhalise kwi-Medicare futhi bafisa ukushintsha izinketho zabo zohlelo. Izinhlelo ezikhethwe ngesikhathi sokubhaliswa okuvulekile ziqala ukusebenza ngoJanuwari 1.

Funda ngezingxenye ezahlukahlukene zeMedicare

I-Medicare uhlelo lomshuwalense wezempilo wabantu abaneminyaka engama-65 noma ngaphezulu, kanye nabantu abanezimo ezithile zezempilo.

I-Medicare ihlukaniswe yaba “izingxenye” ezahlukahlukene. Izingxenye empeleni ziyindlela yokubhekisa kuzinqubomgomo ezahlukahlukene, imikhiqizo, kanye nezinzuzo ezixhunywe neMedicare.

• Ingxenye yeMedicare A. I-Medicare Part A ngumshwalense wesibhedlela. Ikumboza ngesikhathi sokuhlala kweziguli esifushane ezibhedlela nezinsizakalo ezinjenge-hospice. Ibuye inikeze ukumbozwa okulinganiselwe kokunakekelwa kwendawo yabahlengikazi abanamakhono futhi ukhethe izinsizakalo zasekhaya.
• I-Medicare Ingxenye B. I-Medicare Part B wumshwalense wezokwelapha ohlanganisa izidingo zokunakekelwa kwansuku zonke njengokuqokwa kukadokotela, ukuvakashelwa ngabelaphi, imishini yezokwelapha, kanye nokuvakashelwa okuphuthumayo.
• Ingxenye yeMedicare C. I-Medicare Part C ibizwa nangokuthi i-Medicare Advantage. Lezi zinhlelo zihlanganisa ukumbozwa kwezingxenye A no-B kuhlelo olulodwa. Izinhlelo zeMedicare Advantage zinikezwa izinkampani zomshuwalense ezizimele futhi zibhekwe ngabakwaMedicare.
• Ingxenye yeMedicare D. I-Medicare Part D iwukusetshenziswa kwezidakamizwa kadokotela. Izinhlelo ze-Part D yizinhlelo ezimele zodwa ezibandakanya imiyalo ebekiwe kuphela. Lezi zinhlelo zinikezwa nangezinkampani zomshuwalense ezizimele.
• I-Medigap. IMedigap yaziwa nangokuthi yi-Medicare supplement yomshuwalense. Izinhlelo zeMedigap zisiza ukumboza izindleko eziphuma ephaketheni zeMedicare, njengokudonswayo, ama-copayments, namanani we-coinsurance.

Ukuthatha

Iminyaka yokufaneleka kweMedicare iyaqhubeka ineminyaka engama-65 ubudala. Uma lokho kuguquka, ungahle ungathinteki, njengoba ushintsho luzokwenzeka ngokunyuka kancane kancane.

Ukubhalisa ku-Medicare kungabonakala kuyinkimbinkimbi, kepha kunezinsizakusebenza eziningi zokusiza ukwenza lula inqubo nokukubhalisa.

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.

Funda le ndatshana ngeSpanishi