Ukuqonda ukufaneleka kwe-Medicare Part B

-Delile

• Yiziphi izidingo zokufaneleka ze-Medicare Part B?
• Uneminyaka engama-65 ubudala
• Unokukhubazeka
• Une-ESRD noma i-ALS
• Ngabe i-Medicare Part B ihlanganisa ini?
• Ingabe zikhona ezinye izindlela zokutholakala okufanayo?
• Ingxenye yeMedicare C
• Ingxenye yeMedare D
• I-Medigap
• Ukuthatha

Uma ufuna ukubhalisela i-Medicare kulo nyaka, kubalulekile ukuqonda izidingo zokufaneleka ze-Medicare Part B.

Ufaneleke ngokuzenzakalela ukubhalisa ku-Medicare Part B lapho usuba neminyaka engama-65 ubudala. Ufanelekile futhi ukubhalisa ngaphansi kwezimo ezikhethekile, njengokuthi uma unesifo sokukhubazeka noma sesifo se-renal sokugcina (ESRD).

Kule ndatshana, sizohlola ukuthi ngubani ofanelekela i-Medicare Part B, ukuthi angabhalisa kanjani, nezikhathi zokugcina ezibalulekile ze-Medicare okufanele aziqaphele.

Yiziphi izidingo zokufaneleka ze-Medicare Part B?

I-Medicare Part B iyinketho yomshuwalense wezempilo etholakalela abantu base-United States uma sebefike eminyakeni yobudala engama-65.Kodwa-ke, kunezimo ezithile ezikhethekile lapho ungafaneleka ukubhalisa kwi-Medicare Part B ngaphambi kweminyaka engama-65.

Ngezansi, uzothola izidingo zokufaneleka zokubhalisa kwi-Medicare Part B.

Uneminyaka engama-65 ubudala

Ufanelekela i-Medicare Part B ngokuzenzakalela uma usuba neminyaka engama-65 ubudala. Yize kuzodingeka ulinde ukusebenzisa izinzuzo zakho kuze kube usuku lwakho lokuzalwa lwama-65, ungabhalisa:

• Izinyanga ezintathu ngaphambi kosuku lwakho lokuzalwa lwama-65
• ngosuku lwakho lokuzalwa lwama-65
• Izinyanga ezi-3 ngemuva kosuku lwakho lokuzalwa lwama-65

Unokukhubazeka

Uma unokukhubazeka futhi uthola izinkokhelo zokukhubazeka, ufanelekile ukubhalisa kwi-Medicare Part B noma ngabe awuneminyaka engama-65 ubudala. Ngokusho kwe-Social Security Administration, ukukhubazeka okufanelekile kungafaka:

• ukuphazamiseka kwemizwa
• ukuphazamiseka kwenhliziyo nemithambo yegazi
• ukuphazamiseka kwesistimu yokugaya ukudla
• ukuphazamiseka kwemizwa
• ukuphazamiseka kwengqondo

Une-ESRD noma i-ALS

Uma unikezwe ukuthi une-ESRD noma i-amyotrophic lateral sclerosis, uyafaneleka ukubhalisa kwi-Medicare Part B noma ngabe awukakabi neminyaka engama-65 ubudala.

Ngabe i-Medicare Part B ihlanganisa ini?

I-Medicare Part B ihlanganisa ukuxilongwa kweziguli, ukwelashwa nokuvimbela izimo zezokwelapha.

Lokhu kufaka ukuvakashelwa kwegumbi lezimo eziphuthumayo, kanye nezinsizakalo zokuvikela ezempilo njengokuvakasha kukadokotela, ukuhlolwa nokuhlolwa kwe-diaganostic, neminye imigomo.

Ingabe zikhona ezinye izindlela zokutholakala okufanayo?

I-Medicare Part B iyindlela eyodwa etholakalayo kubahlomuli be-Medicare. Kodwa-ke, ukumbozwa okuhle kwakho kuzoncika ngokuphelele esimweni sakho sezokwelapha nesezimali.

Ezinye izinketho zokumboza ezingasetshenziswa esikhundleni noma ngokuhlanganiswa neMedicare Part B zifaka:

• Ingxenye yeMedicare C
• Ingxenye yeMedare D
• I-Medigap

Ingxenye yeMedicare C

I-Medicare Part C, eyaziwa nangokuthi i-Medicare Advantage, iyindlela enikezwa izinkampani zomshuwalense ezizimele zabahlomuli be-Medicare.

Uthole i-Medicare Advantage iyindlela ethandwayo yeMedicare, cishe ingxenye eyodwa kwezintathu yabahlomuli ekhetha uhlelo lwe-Advantage kuneMedicare yendabuko.

Ukubhalisela i-Medicare Part C, kufanele ngabe usubhalisile ezingxenyeni A no-B.

Ngaphansi kohlelo lwe-Medicare Advantage, uzovikeleka ngokujwayelekile:

• izinsizakalo zesibhedlela
• izinsizakalo zezokwelapha
• imishanguzo kadokotela
• amazinyo, umbono, nezinsizakalo zokuzwa
• izinsizakalo ezingeziwe, njengobulungu bokuqina

Uma unecebo leMedicare Part C, lithatha indawo ye-Medicare yasekuqaleni.

Ingxenye yeMedare D

I-Medicare Part D iyisengezo semithi kadokotela noma ngubani obhalise kwi-Medicare yasekuqaleni.

Uma unentshisekelo yokubhalisa ekusetshenzisweni kwe-Part D, uzofuna ukuqinisekisa ukuthi wenza njalo ngokushesha okukhulu. Uma ungabhalisi kuNgxenye C, Ingxenye D, noma ukumbozwa kwezidakamizwa okulingana ezinsukwini ezingama-63 zokubhaliswa kwakho kokuqala, uzobhekana nenhlawulo engunaphakade.

Uma ubhalise kuhlelo lwengxenye C, ngeke udinge i-Medicare Part D.

I-Medigap

IMedigap enye inketho yokwengeza kunoma ngubani obhalise kwiMedicare yangempela. IMedigap yakhelwe ukusiza ukumboza ezinye izindleko ezihambisana neMedicare, njengama-premium, ama-deductibles nama-copay.

Uma ubhalise kuhlelo lwengxenye C, awukwazi ukubhalisela ukumbozwa kwe-Medigap.

Kubaluleke kakhulu ukuthi ungaphuthelwa noma yimiphi imigomo ebekiwe yeMedare, ngoba lokhu kungadala ukuthi ubhekane nezinhlawulo ezifika sekwedlule isikhathi kanye nezikhala ekusetshenzisweni kwakho. Nayi isikhathi esinqunyiwe seMedicare sokunaka kakhulu:

• Ukubhaliswa koqobo. Ungabhalisa kwi-Medicare Part B (nakuNgxenye A) izinyanga ezintathu ngaphambi, inyanga ka, nezinyanga ezintathu ngemuva kosuku lwakho lokuzalwa lwama-65.
• Ukubhaliswa kweMedigap. Ungabhalisela inqubomgomo yokwengeza ye-Medigap kuze kube izinyanga eziyi-6 ngemuva kokuthi ube neminyaka engama-65 ubudala.
• Ukubhaliswa emuva kwesikhathi. Ungabhalisela uhlelo lweMedicare noma uhlelo lweMedicare Advantage kusuka ngoJanuwari 1 – Mashi 31 uma ungazange ubhalise ngenkathi uqala ukuthola ilungelo.
• Ukubhaliswa kwe-Medicare Part D. Ungabhalisela uhlelo lwe-Part D kusuka ngo-Ephreli 1 – Juni 30 uma ungazange ubhalise ngenkathi uqala ukufaneleka.
• Hlela ukubhaliswa koshintsho. Ungabhalisela ukungena, uphume, noma ushintshe uhlelo lwakho lwenxenye C noma lweNgxenye D kusuka ngo-Okthoba 15 – Disemba 7, ngesikhathi sokubhalisa esivulekile.
• Ukubhaliswa okukhethekile. Ngaphansi kwezimo ezikhethekile, ungafanelekela isikhathi sokubhaliswa esikhethekile sezinyanga eziyi-8.

Ukuthatha

Ukufaneleka kwe-Medicare Part B kuqala kubantu abaningi baseMelika abaneminyaka engama-65. Iziqu ezikhethekile, ezinjengokukhubazeka nezimo ezithile zezokwelapha, zingakwenza ufaneleke ukubhalisa kusigaba B kusenesikhathi.

Uma udinga ukumbozwa okuningi kunalokho okuhlinzekwa yiNgxenye B, izinketho ezingeziwe zokumboza zifaka phakathi Ingxenye C, Ingxenye D, neMedigap.

Uma unentshisekelo yokubhalisa ekusetshenzisweni kwanoma yiluphi uhlobo lwe-Medicare, naka kakhulu izinsuku ezibekiwe zokubhalisa futhi uvakashele iwebhusayithi Yezokuphepha Komphakathi ukuze uqalise.

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.

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