Ukuqonda isijeziso sokubhaliswa kwangaphambi kwesikhathi seMedicare

-Delile

• Siyini isijeziso sokubhaliswa sekwedlule isikhathi eMedicare?
• Siyini isijeziso sokubhaliswa sekwedlule isikhathi esigabeni A?
• Siyini isijeziso sokubhaliswa sekwedlule isikhathi engxenyeni B?
• Siyini isijeziso sokubhaliswa sekwedlule isikhathi engxenyeni C?
• Siyini isijeziso sokubhaliswa sekwedlule isikhathi kuNgxenye D?
• Siyini isijeziso sokubhaliswa sekwedlule isikhathi eMedigap?
• Okubalulekile

Uma ukonga imali kubalulekile kuwe, ukugwema inhlawulo yokubhaliswa sekwedlule isikhathi kwe-Medicare kungasiza.

Ukubambezela ukubhaliswa kwi-Medicare kungakunika izinhlawulo ezihlala isikhathi eside zezimali ezingezwe kuma-premium akho inyanga ngayinye.

Isijeziso sokubhaliswa sekwedlule isikhathi singakhuphula kakhulu inani lemali olidinga ukukhokha engxenyeni ngayinye yeMedicare iminyaka.

Siyini isijeziso sokubhaliswa sekwedlule isikhathi eMedicare?

Inhlawulo ye-Medicare yimali oyikhokhiswayo uma ungabhaliseli i-Medicare lapho ufanelekile. Kubantu abaningi, lokhu kungokwesikhathi lapho beba neminyaka engama-65.

Noma ngabe uphilile futhi ungasizwa isidingo sokuba neMedicare, kubalulekile ukuthi ubhalise ngesikhathi.

Njenganoma yimuphi umshwalense wezempilo, iMedicare ithembela kubantu abangaguli ukuxhasa uhlelo, ukuze izindleko zalabo abagula kakhulu zikwazi ukulinganiswa.

Ukushaja izimali ezifika sekwedlule isikhathi kusiza ukunciphisa lezi zindleko ngokuphelele futhi kukhuthaze abantu ukuthi babhalise ngesikhathi.

Siyini isijeziso sokubhaliswa sekwedlule isikhathi esigabeni A?

Abantu abaningi banelungelo lokuthola i-Medicare Part A ngokuzenzekelayo ngaphandle kwezindleko.

Uma ungasebenzanga amahora anele ngesikhathi sokuphila kwakho ukuze ufanelekele le nsizakalo, usengathenga iMedicare Part A. Kodwa-ke, kufanele ukhokhe imali ekhokhwa njalo ngenyanga.

Uma ungabhaliswanga ngokuzenzakalela futhi ungabhaliseli iMedicare Part A ngesikhathi sakho sokuqala sokubhalisa, uzothola inhlawulo yokubhaliswa sekwedlule isikhathi lapho ubhalisa.

Inani lenhlawulo yokubhalisa sekwedlule isikhathi lingamaphesenti ayi-10 ezindleko ze-premium yenyanga.

Kuzofanele ukhokhe le mali eyengeziwe inyanga ngayinye kabili inani leminyaka owawufaneleke ngalo ukuthola i-Medicare Part A kodwa ungabhalisanga.

Isibonelo, uma ulinde unyaka owodwa wokufaneleka ukubhalisa, uzokhokha inani lenhlawulo inyanga ngayinye iminyaka engu-2.

Siyini isijeziso sokubhaliswa sekwedlule isikhathi engxenyeni B?

Uyakufanelekela ukuthola i-Medicare Part B kusuka ezinyangeni ezi-3 ngaphambi kosuku lwakho lokuzalwa olungu-65 kuze kube yizinyanga ezi-3 ngemuva kwalokho. Le nkathi yesikhathi yaziwa njengesikhathi sokuqala sokubhalisa.

Uma usuvele uthola izinzuzo Zokuphepha Komphakathi, i-premium yakho yanyanga zonke izodonswa kusheke lakho lenyanga.

Uma okwamanje ungazitholi izinzuzo ze-Social Security futhi ungabhaliseli iMedicare Part B ngalesi sikhathi, kuzodingeka ukhokhe inhlawulo yokubhaliswa sekwedlule isikhathi kanye nenkokhelo ngayinye yenyanga kaMedare B Part.

Kuzofanele ukhokhe le mali eyengeziwe impilo yakho yonke.

Iphrimiyamu yakho yanyanga zonke izokhuphuka ngamaphesenti ayi-10 esikhathini ngasinye sezinyanga eziyi-12 lapho ubungaba neMedicare Part B kodwa ungakwenzi.

Uma ufanelekile ukuthola isikhathi esikhethekile sokubhaliswa kwe-Medicare Part B, ngeke uthole isijeziso sokubhaliswa sekwedlule isikhathi, uma nje ungabhalisa ngaleso sikhathi.

Izikhathi ezikhethekile zokubhalisa zinikezwa abantu abangabhaliseli iMedare Part B ngesikhathi sokubhaliswa kokuqala ngoba banomshuwalense wezempilo ngomqashi wabo, inyunyana, noma abalingani babo.

Siyini isijeziso sokubhaliswa sekwedlule isikhathi engxenyeni C?

I-Medicare Part C (Medicare Advantage) ayinayo inhlawulo yokubhaliswa sekwedlule isikhathi.

Siyini isijeziso sokubhaliswa sekwedlule isikhathi kuNgxenye D?

Uyakwazi ukubhalisela uhlelo lwezidakamizwa i-Medicare Part D ngasikhathi sinye ufaneleke ukubhalisela i-Original Medicare.

Ungabhalisa kwi-Medicare Part D ngaphandle kokuthola inhlawulo yokubhaliswa sekwedlule isikhathi phakathi nezinyanga ezintathu eziqala lapho izingxenye zakho ze-Medicare A no-B zisebenza.

Uma ulinda ukudlula leli windi ukuze ubhalise, kuzofakwa inhlawulo yokubhaliswa sekwedlule isikhathi ye-Medicare Part D kwi-premium yakho yanyanga zonke.

Le mali ingu-1% wezindleko eziphakathi nenyanga zephrithiyamu kadokotela, iphindaphindwe ngenani lezinyanga obephuze ukubhalisa ngazo.

Lezi zindleko ezengeziwe zihlala unomphela futhi zizofakwa kwi-premium ngayinye oyikhokhela njalo nje uma une-Medicare Part D.

Uma ufanele isikhathi sokubhalisa esikhethekile futhi ubhalisela i-Medicare Part D ngalesi sikhathi, ngeke uthole inhlawulo. Ngeke futhi uthole isijeziso uma ubhalisa sekwedlule isikhathi kepha ufanelekile ukuthola uhlelo losizo olwengeziwe.

Siyini isijeziso sokubhaliswa sekwedlule isikhathi eMedigap?

Ukubhaliswa emuva kwesikhathi kweMedigap (izinhlelo zokwengeza ze-Medicare) akubangeli ukuthi uthole isijeziso. Kodwa-ke, ukuze uthole amanani angcono kakhulu ohlelo lwakho lwe-Medigap, kuzodingeka ukuthi ubhalise ngesikhathi sakho sokubhalisa esivulekile.

Lesi sikhathi siqala ngosuku lokuqala lwenyanga uhlanganisa iminyaka engama-65 bese uhlala izinyanga eziyisithupha kusukela ngalolo suku.

Uma uphuthelwa ukubhaliswa okuvulekile, ungakhokha imali ephezulu kakhulu yeMedigap. Ungahle wenqatshwe nohlelo lweMedigap ngemuva kokuphela kokubhaliswa okuvulekile uma unezinkinga zempilo.

Okubalulekile

Uma ulinda ukufaka isicelo seMedicare, ungathola izinhlawulo ezibiza kakhulu futhi ezihlala isikhathi eside. Ungasigwema lesi simo ngokubhalisela i-Medicare ngesikhathi.

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.