Ingabe i-Medicare Inikeza Ukutholwa Komlingani?

-Delile

• Yimiphi imithetho maqondana nokutholakala kwe-Medicare kanye nabashadile?
• Kuthiwani uma owakwami ​​emdala kunami, futhi bahlangabezana nezimfuneko zamakota angama-40?
• Kuthiwani uma owakwami ​​emdala kunami, futhi ngihlangabezana nezimfuneko zamakota angama-40?
• Ingabe ikhona eminye imithetho noma izinzuzo zomlingani?
• Yiziphi izingxenye zeMedicare engingabelana ngazo nomuntu engishade naye?
• Yiziphi izisekelo ze-Medicare?
• Yimuphi unyaka wokufaneleka we-Medicare?
• Izikhathi zokugcina ezibalulekile ze-Medicare
• Ukuthatha

I-Medicare uhlelo lomuntu ngamunye womshuwalense, kodwa kunezikhathi lapho ukufaneleka komunye womshado kungasiza omunye athole izinzuzo ezithile.

Futhi, inani lemali elenziwa wena noshade naye kuhlangene kungathinta amaphrimiyamu omshwalense wakho weMedicare Part B.

Qhubeka ufunde ukuze uthole ukuthi wena noma owakwakho nikwazi kanjani ukufaneleka i-Medicare ngokuya ngomlando womsebenzi nobudala.

Yimiphi imithetho maqondana nokutholakala kwe-Medicare kanye nabashadile?

I-Medicare iyinzuzo kubantu abasebenza futhi bakhokha intela Yezokuphepha Komphakathi okungenani amakota angu-40 omsebenzi, cishe iminyaka eyishumi.

Uma umlingani womuntu engasebenzi, bangafanelekela i-Medicare Part A ngokuya ngomlando womlingani wabo lapho beba neminyaka engama-65.

Ukuze ufanelekele izinzuzo ze-Medicare Part A eneminyaka engama-65 ngokuya ngomlando womsebenzi womlingani wakho, kufanele uhlangabezane nenye yalezi zidingo ezilandelayo:

• Ushade nomlingani wakho ofanelekela izinzuzo Zokuphepha Komphakathi okungenani unyaka owodwa ngaphambi kokufaka isicelo sezinzuzo Zokuphepha Komphakathi.
• Uhlukanisile, kepha ubeshade nomlingani okungenani iminyaka eyishumi ofanelekela izinzuzo Zokuphepha Komphakathi. Manje kufanele ungashadi ukufaka isicelo sezinzuzo ze-Medicare.
• Ungumfelokazi, kepha ubushade okungenani izinyanga eziyi-9 ngaphambi kokuba oshade naye ashone, futhi bakulungele ukuthola imihlomulo Yezokuphepha Komphakathi. Manje kufanele ungashadi.

Uma ungaqiniseki ukuthi uhlangabezana nemfuneko ethile, ungaxhumana ne-Social Security Administration ngokushayela ku-800-772-1213. Ungavakashela ne-Medicare.gov futhi usebenzise isibali sabo sokufaneleka.

Kuthiwani uma owakwami ​​emdala kunami, futhi bahlangabezana nezimfuneko zamakota angama-40?

Uma oshade naye emdala kunawe, bazokwazi ukuthola izinzuzo ze-Medicare eneminyaka engama-65.

Ungase ukwazi ukuthola izinzuzo ze-Medicare ngaphambi kwesikhathi uma okungenani uneminyaka engama-62 ubudala, ushade nomuntu oneminyaka engama-65 ubudala, futhi wasebenzela amakota angama-40 futhi wakhokha intela yeMedicare.

Uma ungahlangabezani nalezi zidingo, ungakwazi ukufanelekela i-Medicare Part A, kodwa kuzofanele ukhokhe i-Part A premium uze ube neminyaka engama-62.

Uma ungazange usebenze noma uhlangabezane nemfuneko yezindawo ezingama-40, kungadingeka ukuthi ulinde kuze kube yiminyaka yobudala engama-65 ukuthola ukwaziswa ngaphansi kwezinzuzo zoshade naye.

Kuthiwani uma owakwami ​​emdala kunami, futhi ngihlangabezana nezimfuneko zamakota angama-40?

Manje ake sibheke lapho oshade naye emdala kunawe futhi oshade naye engazange ahlangabezane nemfuneko yamakota angama-40, kodwa wena uyakwenza.

Uma uneminyaka engama-62 ubudala futhi oshade naye eneminyaka engama-65, umlingani wakho ngokuvamile angathola izinzuzo ze-Medicare zamahhala.

Kuze kube uneminyaka engama-62, oshade naye angathola i-Medicare Part A, kodwa kuzofanele akhokhe ama-premium uma engahlangabezani nezindawo zokusebenza ezingama-40.

Ingabe ikhona eminye imithetho noma izinzuzo zomlingani?

Kubalulekile ukwazi ukuthi uma oshade naye elahlekelwa ngumshwalense wakhe wangasese noma osebenza futhi ungakabi neminyaka engama-65, kusenezinhlelo zomshuwalense ezingakusiza.

Ungaxhumana nohlelo lwakho lwe-State Health Insurance Assistance Program (SHIP) ukuthola ukwelulekwa kwezempilo mahhala.

Ungathola ukuthi ngabe izinga lakho leholo noma impilo ikufanelekela yini ukuthola ezinye izinhlelo zosizo ezifana neMedicaid.

Yiziphi izingxenye zeMedicare engingabelana ngazo nomuntu engishade naye?

Izinzuzo zomlingani zisebenza ngokukhethekile engxenyeni A ye-Medicare (qhubeka ufundele ukuthola incazelo yalokho okuhlanganiswa zonke izingxenye).

Awukwazi ukuthenga ukumbozwa kwezithandani nganoma iyiphi enye ingxenye yeMedicare. Kufanele ukhokhele ezinye izingxenye ezingazinye ngenqubomgomo yakho.

Kodwa-ke, kubalulekile ukucubungula zonke izinketho zakho zokutholakala kwe-Medicare nokuthi yini ezosebenza kangcono ngezidingo zakho. Enye yalezi zinketho yi-Medicare Advantage (Ingxenye C), ehlanganisa zombili iNgxenye A neNgxenye B ndawonye futhi inikeze ukumbozwa okungeziwe nezinzuzo.

Uma ukumbozwa okwengeziwe, njengokunakekelwa kwamazinyo, umbono, noma ukunakekelwa kokuzwa, kubalulekile ukugcina impilo yakho ngawedwa, cabanga ukuthi ngabe iMedicare yokuqala noma iMedicare Advantage izokusebenzela kangcono yini.

Yiziphi izisekelo ze-Medicare?

Uhulumeni wesifundazwe udalele i-Medicare ukuthi ifane nemenyu ethi “a la carte” lapho ungakhetha khona izinhlobo ezahlukahlukene zokumbozwa.

Lezi zinhlobo zokumboza zifaka:

• Ingxenye A. Ingxenye A inikeza ukumbozwa kokuhlala esibhedlela kweziguli nezinsizakalo ezihlobene ngenkathi usesibhedlela, njengokudla, imishanguzo, kanye nokwelashwa ngokomzimba.
• Ingxenye B. Ingxenye B ihlinzeka ngokuhlinzekwa kwezokwelapha kwabangaphandle kokuvakasha kodokotela kanye nezinsizakalo zezokwelapha ezihlobene neziguli. Kufanele ukhokhe imali ekhokhwa nyangazonke yale nsizakalo, futhi kuncike ekutheni wena noshade naye nenza malini ngonyaka.
• Ingxenye C. Ingxenye C yaziwa nangokuthi yi-Medicare Advantage. Lezi zinhlobo zohlelo zihlanganisa izinsizakalo ezivela kuNgxenye A noNgxenye B, kepha zingaba nemithetho nezidingo ezihlukile mayelana nokuthi abahlinzeki bezempilo kanye nezinsiza ungathola ukunakekelwa kuzo. Lezi zinzuzo zingabandakanya nezinsizakalo ezingeziwe, ezinjengombono namazinyo.
• Ingxenye D. Ingxenye D inikezela ngemithi kadokotela ngamanani ahlukahlukene. Uthenga lezi zinqubomgomo ngabashuwalense abazimele.
• I-Medigap. IMedigap, eyaziwa nangokuthi iMedicare Supplement Plans, ingafakela ezinye zezindleko ezivamile zokuphuma ephaketheni ngeMedicare futhi inikezwa ngomshwalense wangasese. Izibonelo zifaka phakathi ukukhokhela ukukhokhelwa komshwalense ngokubambisana.

Ungafaneleka kuphela ukuthola inzuzo yomlingani we-Medicare Part A. Ezinye izingxenye ze-Medicare azidingi umlando womsebenzi, futhi zinamaphrimiyamu ahambisana nokufakwa kwawo.

Yimuphi unyaka wokufaneleka we-Medicare?

Ezimweni eziningi, umuntu ufanelekela iMedicare lapho eneminyaka engama-65 ubudala.

Kukhona okunye okuhlukile, kufaka phakathi abantu abangaphansi kweminyaka yobudala engama-65 odokotela abakubone njengabakhubazekile, abanezifo zesifo sezinso (ESRD), noma abane-amyotrophic lateral sclerosis (ALS).

Abantu abahlangabezana nalezi zidingo bangafanelekela i-Medicare Part A ngaphambi kweminyaka engama-65.

Njengoba kushiwo ngenhla, ungahle futhi ufanelekele iMedicare Part A ngaphambi kweminyaka yobudala engama-65, uma oshade naye eneminyaka engama-65 futhi efanelekile.

Izikhathi zokugcina ezibalulekile ze-Medicare

• Cishe usuku lwakho lokuzalwa lwama-65. Ngokobuchwepheshe unezinyanga eziyisikhombisa zokubhalisa kwi-Medicare - izinyanga ezintathu ngaphambi kwenyanga yakho yokuzalwa nezinyanga ezintathu ngemuva kwalokho. Ungavakashela isibali sokubala seMedicare ngezinsuku ezithile ezinikezwe lapho usuku lwakho lokuzalwa luwela kukhalenda.
• Januwari 1 kuya ku-Mashi 31. Labo abangabhalisanga ku-Medicare ngesikhathi sefasitela labo bezungeza usuku lwabo lokuzalwa lwama-65 bangabhalisa ngalesi "sikhathi sokubhalisa ngokujwayelekile." Kungadingeka ukuthi bakhokhe inhlawulo engezwe kuprimiyamu yabo yengxenye B ukuze babhalise ngokuhamba kwesikhathi.
• Ephreli 1 kuya kuJuni 30. Isikhathi sonyaka lapho ungangeza uhlelo lweMedicare Advantage noma lweMedicare Part D uma ukhetha kanjalo.
• Okthoba 15 kuya kuDisemba 7. Lesi yisikhathi sokubhaliswa esivulekile saminyaka yonke seMedicare Advantage kanye neMedicare Part D. Izinhlelo ezintsha zizoqala ukusebenza ngoJanuwari 1.

Ukuthatha

Ukucatshangelwa okuningi kwe-Medicare nabashadile kuzungeze iMedicare Part A, okuyingxenye yomshuwalense ehlanganisa ukuvakashelwa kwezibhedlela.

Ezinye izingxenye ziyatholakala lapho umuntu eba neminyaka engama-65 futhi evuma ukukhokha imali yomshwalense.

Uma uneminye imibuzo mayelana nezinzuzo ze-Medicare, ungashayela i-Social Security Administration (SSA) ku-800-772-1213 noma uvakashele ihhovisi le-SSA langakini ukuthola eminye imininingwane.

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