Ngingalutholaphi Usizo nge-Medicare?

-Delile

• Ngingalutholaphi usizo oluthembekile lokuqonda iMedare?
• UMKHUMBI / SHIBA
• Ngingalutholaphi usizo lokubhalisa kwi-Medicare?
• Ukuphathwa Kwezokuphepha Komphakathi
• Ngingalutholaphi usizo lokukhokhela i-Medicare?
• Ngixhumana nobani uma ngikhokha amaphrimiyamu aphezulu?
• Ngingalutholaphi usizo uma iholo lami liphansi?
• I-Medicaid
• Uhlelo olufanelekayo lweMedicare Beneficiary (QMB)
• Uhlelo olucacisiwe lwemihlomulo ephansi ye-Medicare Beneficiary (SLMB)
• Uhlelo Olufanelekayo Lomuntu Ngamunye (QI)
• Uhlelo Olufanelekile Lokusebenza Kwabantu Abakhubazekile (QDWI)
• Usizo Olungeziwe
• Kuthiwani uma ngidinga usizo olungaphezulu kunalezi zinhlelo ezinikezayo?
• Uhlelo lwePACE
• Ukuhlolwa kwezinzuzo ze-NCOA
• Ngikhuluma nobani uma nginezinkinga ze-Medicare?
• Isikhungo Samalungelo Abantu
• I-Senior Medicare Patrol (SMP)
• Ukuthatha

• Isifundazwe ngasinye sinohlelo lwe-State Health Insurance Assistance Program (SHIP) noma i-State Health Insurance Benefits Advisors (SHIBA) ukukusiza ufunde kabanzi ngamasu we-Medicare nokuthi ungabhalisa kanjani kuwo.
• ISocial Security Administration (SSA) ingakusiza ukufaka isicelo ku-inthanethi, mathupha, noma ngocingo.
• Izinhlelo zikahulumeni nezikahulumeni zingakusiza ukuthi ukhokhele izindleko ze-Medicare.

Ukuthola ukuthi ungabhalisa kanjani kwi-Medicare, ukuthi ungakhetha kanjani uhlelo oluhle kakhulu kuwe, nokuthi ungawakhokhela kanjani ama-premium akho kungaba nzima, yize kunezinsizakusebenza eziningi ezitholakalayo.

Nasi umhlahlandlela omfushane wokukusiza ukuthi uzulazule kule nqubo, noma ngabe ufuna ukuqonda kangcono amapulani nezinzuzo, bhalisa ku-Medicare, noma uthole usizo lokukhokhela izindleko ze-Medicare.

(Futhi ukukusiza uchaze amagama amaningi asemthethweni namagama ozohlangana nawo endleleni, ungahle uthande ukugcina le glossary yeMedicare isebenza kahle.)

Ngingalutholaphi usizo oluthembekile lokuqonda iMedare?

Ezinye izici zeMedicare zihambisana ngokumangazayo, okwenza kube lula ukuqondakala. Ezinye izingxenye zishintsha minyaka yonke - futhi ukungabikho kwezinsuku zokugcina noma izindleko zokunciphisa kungabangela izindleko ezingafuneki. Uma unemibuzo mayelana neMedicare, nazi ezinye izinsiza ezinokwethenjelwa ongabheka kuzo:

UMKHUMBI / SHIBA

Uhlelo lwe-State Health Insurance Assistance Program (SHIP) kanye ne-State Health Insurance Benefits Advisors (SHIBA) amanethiwekhi angenzi nzuzo anamavolontiya aqeqeshiwe, angachemile angakuqondisa ngezinketho zakho ze-Medicare. Abeluleki bemikhumbi nemikhumbi ye-SHIBA bangakusiza ukuthola:

• enikezela ngezinhlelo ezahlukahlukene zeMedicare
• ukuthi yiziphi izinketho zohlelo ezisendaweni yakho
• ungabhalisa kanjani futhi nini kwi-Medicare
• ungathola kanjani usizo lokumboza izindleko
• ukuthi amalungelo akho angaphansi kweMedicare

Ukuze uthole okwengeziwe ngehhovisi lakho lomkhumbi lasendaweni, vakashela iwebhusayithi kazwelonke noma ushayele ku-877-839-2675. Ungathola futhi uhlu loxhumana nabo be-state-by-state SHIP / SHIBA, kufaka phakathi izinombolo zocingo, kule sayithi ye-Medicare.

Ngingalutholaphi usizo lokubhalisa kwi-Medicare?

Ukuphathwa Kwezokuphepha Komphakathi

I-Social Security Administration (SSA) ilawula inqubo yokufaka isicelo kwi-Medicare online. Iningi labantu lizokwazi ukuqedela uhlelo lokusebenza cishe imizuzu eyi-10. Cishe ngeke udinge ukuba neminye imibhalo esesandleni lapho ufaka isicelo.

Uma ungeyena umlandeli wezinhlelo zokusebenza ezenziwa online, ungafaka futhi ngocingo. Shayela ku-800-772-1213 phakathi kuka-7 ekuseni no-7 ntambama kusukela ngoMsombuluko kuze kube uLwesihlanu. Uma ungumuntu oyisithulu noma umuntu onenkinga yokuzwa, ungasebenzisa isevisi ye-TTY ku-800-325-0778.

Ngoba amahhovisi amaningi ezinkambu ze-SSA ahlala evaliwe ngenxa yemikhawulo ye-COVID-19, ukufaka isicelo mathupha kungaba nzima okwamanje. Kepha usengakwazi ukuxhumana nehhovisi lasensimini yangakini ukuze uthole usizo usebenzisa lesi sitholi sehhovisi Lezokuphepha Komphakathi.

Ngoba izindawo eziningi zokwelulekwa ngomkhumbi zimise imihlangano yabantu, ezinye izifundazwe zinikeza usizo ngezifundo ezibonakalayo zeMedicare. Ukuthola amakilasi ngolwazi olusebenza endaweni yangakini, vakashela iwebhusayithi ye-SHIP bese uchofoza ku- "SHIP locator." Amakilasi amaningi atholakala ngeSpanishi nangesiNgisi.

Ngingalutholaphi usizo lokukhokhela i-Medicare?

Ungabhalisa kwi-Medicare kungakhathalekile ukuthi ungakanani umholo wakho. Iningi labantu alikhokhi lutho ngokutholakala kwe-Medicare Part A (esibhedlela). Ngokutholakala kwengxenye B (yezokwelapha), iningi labantu likhokha imali engu- $ 144.60 ngo-2020.

Ngixhumana nobani uma ngikhokha amaphrimiyamu aphezulu?

Uma imali yakho engenayo iphakeme kune- $ 87,000, ungahle ukhokhe inani lokulungiswa elihlobene nenyanga (IRMAA). Uma usitholile isaziso se-IRMAA futhi ucabanga ukuthi sisuselwa kumanani weholo angalungile noma ube noshintsho olukhulu empilweni yakho selokhu kwabalwa iholo lakho, ungafaka isikhalazo ngesinqumo.

Thintana nehhovisi le-SSA elisendaweni yakho ngokusebenzisa le ndawo etholakala ehhovisi lenkambu noma ngokushayela i-National SSA mahhala ku-800-772-1213. Uzodinga ukugcwalisa leli fomu ukubika umcimbi oguqula impilo.

Ngingalutholaphi usizo uma iholo lami liphansi?

Uma umholo wakho ulinganiselwe, ungafaneleka ukuthola usizo lokukhokha amaprimiyamu akho nezimali ezidonswayo. Lezi ezinye zezinhlelo ezingakusiza ngezindleko ze-Medicare.

I-Medicaid

Uma ungumzuzi we-Medicare onemali elinganiselwe noma izinsizakusebenza, ungahle ufanelekele iMedicaid. I-Medicaid wuhlelo olusetshenziswa nguhulumeni wesifundazwe kanye nohulumeni bezwe. Ikhokhela izinzuzo ezithile ezinganikezwa yiMedicare.

Ungabhaliswa kuwo womabili amaMedicare neMedicaid ngasikhathi sinye, kungakhathalekile ukuthi unayo yini iMedicare (Ingxenye A noNgxenye B) yoqobo noma uhlelo lweMedicare Advantage (Ingxenye C).

Uhlelo olufanelekayo lweMedicare Beneficiary (QMB)

Uhlelo lwe-QMB lungenye yezinhlelo ezine zosizo ezakhiwe nguMnyango Wezempilo kanye Nezinsizakalo Zabantu (HHS). Noma i-HHS iqale lezi zinhlelo, manje sezisetshenziswa ngohulumeni bezwe.

Lolu hlelo lusiza abantu abahlangabezana nemikhawulo yemali engenayo ukukhokhela:

• Ingxenye A amaphrimiyamu
• Amaprimiyamu engxenye B
• ukudonswa kwemali
• ukuqinisekiswa kwemali
• ama-copayments

Uma ukuhlelo lwe-QMB, udokotela wakho kanye nabahlinzeki bezempilo bavunyelwe ukukukhokhisa inani elilinganiselwe kuphela lemithi kadokotela ($ 3.90 ngo-2020). Abavunyelwe ukukukhokhisa ngezinsizakalo nezinye izinto ezimbozwe yi-Medicare.

Imikhawulo yemali engenayo yenyanga ka-2020 yohlelo lwe-QMB yile:

• Ngamunye: $ 1,084
• Ukushada: $ 1,457

Imikhawulo yezinsizakusebenza ka-2020 yohlelo lwe-QMB yile:

• Ngamunye: $ 7,860
• Ukushada: $ 11,800

Ngosizo lokufaka isicelo sohlelo lwe-QMB, vakashela le sayithi ye-Medicare bese ukhetha izwe lakho kusuka kumenyu.

Lezi zinhlelo zichaza insizakusebenza njengemali onayo kwi-akhawunti yakho yokubheka noma yokonga, amasheya, amabhondi, nempahla yangempela (ngaphandle kwekhaya lakho). I- "Resource" ayihlanganisi indlu ohlala kuyo, imoto yakho, ifenisha yakho, noma izimpahla zakho.

Uhlelo olucacisiwe lwemihlomulo ephansi ye-Medicare Beneficiary (SLMB)

Lolu hlelo lombuso lungakusiza ukuthi uthole izimali zokukhokha amaphrimiyamu wakho wengxenye B. Ukuze ufaneleke, kufanele ubhalise kwi-Medicare futhi uhlangabezane nemikhawulo ethile yemali engenayo.

Imikhawulo yenyanga engenayo engu-2020 yohlelo lwe-SLMB yile:

• Ngamunye: $ 1,296
• Ukushada: $ 1,744

Imikhawulo yezinsizakusebenza ka-2020 yohlelo lwe-SLMB yile:

• Ngamunye: $ 7,860
• Ukushada: $ 11,800

Ukufaka isicelo sohlelo lwe-SLMB, vakashela le sayithi ye-Medicare bese ukhetha izwe lakho kusuka kumenyu.

Uhlelo Olufanelekayo Lomuntu Ngamunye (QI)

Uhlelo lwe-QI luphethwe umbuso wakho. Kusiza abahlomuli beMedicare ngemali engenayo elinganiselwe ukukhokha amaphrimiyamu wabo wengxenye B. Ukufaka isicelo salolu hlelo, vakashela le sayithi ye-Medicare bese ukhetha izwe lakho kusuka kumenyu.

Imikhawulo yemali engenayo yenyanga ka-2020 yohlelo lwe-QI yile:

• Ngamunye: $ 1,456
• Ukushada: $ 1,960

Imikhawulo yemithombo ka-2020 yohlelo lwe-QI yile:

• Ngamunye: $ 7,860
• Ukushada: $ 11,800

Uhlelo Olufanelekile Lokusebenza Kwabantu Abakhubazekile (QDWI)

Lolu hlelo lusiza ukuthi ukhokhele noma iyiphi i-Part A premium oyikweletayo. Ukufaka isicelo salolu hlelo, vakashela le sayithi ye-Medicare bese ukhetha izwe lakho kusuka kumenyu.

Imikhawulo yemali engenayo yenyanga ka-2020 yohlelo lwe-QDWI yile:

• Ngamunye: $ 4,339
• Ukushada: $ 5,833

Imikhawulo yezinsizakusebenza zango-2020 yohlelo lwe-QDWI yilezi:

• Ngamunye: $ 4,000
• Ukushada: $ 6,000

Usizo Olungeziwe

Uma ufanelekela izinhlelo ze-QMB, SLMB, noma ze-QI, uzolulungela uhlelo lwe-Extra Help futhi. Lolu hlelo lusiza ukuthi ukhokhele ukufakwa kwezidakamizwa kadokotela.

Usizo Olungeziwe luvuselela ngokuzenzakalela unyaka ngamunye ngaphandle kokuthi imali yakho noma izinsizakusebenza ziguquka. Izaziso zithunyelwa nge-imeyili ngoSepthemba (ephepheni elimpunga) uma kube khona ushintsho kumholo wakho noma izinsizakusebenza futhi udinga ukufaka isicelo kabusha. Izaziso zithunyelwa nge-imeyili ngo-Okthoba (ephepheni le-orange) uma ama-copayments wakho eshintsha.

Uzokwenza kanjalo hhayi udinga ukuqedela isicelo uma une-Medicare futhi uthola ne-Supplemental Security Income (SSI) noma uma une-Medicare neMedicaid. Kulezi zimo, uzothola Usizo Olungeziwe ngokuzenzakalela.

Ngaphandle kwalokho, uma uhlangabezana nemikhawulo yemali engenayo, ungafaka isicelo Sosizo Olungeziwe lapha. Uma ufuna usizo lokugcwalisa isicelo, ungashayela Ukuphepha Komphakathi ku-800-772-1213 (TTY: 800-325-0778).

Uma ungathanda ukuthola eminye imininingwane ngosizo olungeziwe ngeSpanishi, ungahle uthande ukubuka le vidiyo.

Kuthiwani uma ngidinga usizo olungaphezulu kunalezi zinhlelo ezinikezayo?

Uhlelo lwePACE

Uma uneminyaka yobudala engama-55 noma ngaphezulu futhi udinga ukunakekelwa kwasekhaya lasebekhulile, ungahle ufanelekele uhlelo lwe-All-Inclusive Care for the Elderly (PACE), oluzokuvumela ukuthi uthole izinsiza ezahlukahlukene ezifana nalezo ongazithola ngena endaweni yabahlengikazi abanamakhono. Lezi zinsizakalo, noma kunjalo, unikezwa wena ngabahlinzeki bezempilo abasekhaya nabomphakathi, futhi zibiza kancane.

Uma une-Medicaid, i-PACE ngeke ikubize lutho.Uma une-Medicare, uzokhokha imali ekhokhelwa nyangazonke yokunakekelwa kanye nemiyalelo oyinikezwa. Uma ungenayo i-Medicare noma i-Medicaid, usengakhokha ngasese ukuze ubambe iqhaza kulolu hlelo.

Ukubona ukuthi uhlala kwesinye sezifundazwe ezingama-31 ezihlinzeka ngezinhlelo ze-PACE, vakashela le webhusayithi ye-Medicare.

Ukuhlolwa kwezinzuzo ze-NCOA

UMkhandlu Kazwelonke Wokuguga (i-NCOA) uhlinzeka ngokuhlolwa kwezinzuzo ukukusiza uthole usizo lwasendaweni ngayo yonke into kusuka ezindlekweni zeMedicare kuye ezokuhamba nezindlu.

Uzodinga nje ukuphendula imibuzo embalwa ukunciphisa indawo okuyo nohlobo losizo olifunayo, kanti i-NCOA izokuxhumanisa nohlu lwezinhlelo ezingakusiza. I-database ye-NCOA iqukethe izinhlelo ezingaphezu kuka-2 500 ezisiza abantu ezweni lonke.

Ngikhuluma nobani uma nginezinkinga ze-Medicare?

Uma udinga ukukhuluma nothile ngamalungelo akho ngaphansi kwe-Medicare, noma uma ufuna ukubika inkinga ngomhlinzeki wezokunakekelwa kwempilo, nazi ezinye izindlela ongazicabangela.

Isikhungo Samalungelo Abantu

Isikhungo Samalungelo Abantu se-Medicare siyinhlangano engenzi nzuzo kazwelonke enikeza ukwelulekwa, imfundo kanye nokumela abahlomuli be-Medicare. Ungakhuluma nommeli ngokushayela ku-800-333-4114 noma uvakashele iwebhusayithi yayo.

I-Senior Medicare Patrol (SMP)

Uma ucabanga ukuthi kube nephutha ekukhokhisweni kwakho kwe-Medicare noma usola ukukhwabanisa kwe-Medicare, ungafinyelela ku-SMP. I-SMP iyisikhungo semithombo kazwelonke esixhaswe yizibonelelo ezivela ku-Administration for Community Living, okuyingxenye ye-HHS.

I-SMP yindawo enhle ongaya kuyo ukuthola imininingwane yamanje mayelana nemikhonyovu ehlobene neMedicare. Inombolo yosizo kazwelonke ingu-877-808-2468. Abeluleki abasebenza kulayini wosizo bazokwazi ukukuxhumanisa nehhovisi le-SMP lombuso wakho.

Ukuthatha

• Ukuthola usizo nge-Medicare kungasiza ekuqinisekiseni ukuthi uthola uhlelo olufanele, ubhalise ngesikhathi, futhi ugcine imali eningi ezindlekweni ze-Medicare ngangokunokwenzeka.
• Ukusebenza nochwepheshe ezinhlelweni zakho ZOMKHUMBI NE-SHIBA kuyindlela enhle yokuphendula imibuzo ongaba nayo ngaphambi, ngesikhathi, nangemva kwenqubo yokubhalisa.
• Ukuthola okuningi mayelana nezinhlelo zokonga zikahulumeni nezombuso kungakusiza ukuthi ugcine izindleko ziphansi, futhi nokwazi ukuthi uzobiza bani uma ubona inkinga kungakugcina ungaba yisisulu senkohliso noma sokuhlukunyezwa.

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.