Ngabe Ngidinga Ukuvuselela Imishanguzo Njalo Ngonyaka?

-Delile

• Ngabe iMedicare ivuselela ngokuzenzakalela unyaka nonyaka?
• Siyini isaziso sokungavuselelwa?
• Siyini isaziso sonyaka soshintsho?
• Ngiluthola kanjani uhlelo oluhle kakhulu kimi?
• Yiziphi izikhathi zokubhalisa okufanele ngiziqaphele?
• Ukubhaliswa kokuqala
• Izikhathi zokhetho zaminyaka yonke
• Isikhathi sokubhaliswa okujwayelekile
• Isikhathi sokubhalisa esikhethekile
• Ukuthatha

• Ngaphandle kokumbalwa, ukufakwa kwe-Medicare kuvuselela ngokuzenzakalela ekupheleni konyaka ngamunye.
• Uma uhlelo luthatha isinqumo ukuthi ngeke lisaqhubeka nenkontileka neMedare, uhlelo lwakho ngeke luze luvuseleleke.
• Kunezinsuku eziyisihluthulelo unyaka wonke lapho umshwalense kufanele akwazise ngezinguquko zokumboza nokuthi ungabhalisela izinhlelo ezintsha nini.

Yize kukhona okuhlukile okumbalwa, izinhlelo zeMedicare ngokuvamile zivuselela unyaka nonyaka ngokuzenzakalela. Lokhu kuyiqiniso ngezinhlelo zasekuqaleni zeMedicare kanye neMedicare Advantage, Medigap, neMedicare Part D.

Le ndatshana ichaza ukuthi iMedicare ihlela kanjani ukuvuselela minyaka yonke nokuthi ucabanga nini ukubhalisela ukufakwa okwengeziwe kweMedicare.

Ngabe iMedicare ivuselela ngokuzenzakalela unyaka nonyaka?

Lapho usubhalise kwi-Medicare, amacebo akho ngokuvamile azovuselelwa ngokuzenzakalela.Lokhu kuhloswe ukunciphisa amaphepha obekufanele uwahambise kwi-Medicare. Ake sibheke ukuthi ukuvuselelwa okuzenzakalelayo kunjani kwisici ngasinye seMedicare:

• Imithi Yangempela. Uma une-Medicare yangempela, ukumbozwa kwakho kuzozivuselela ngokuzenzakalela ekupheleni konyaka ngamunye. Ngoba i-Medicare yasekuqaleni iyinqubomgomo ejwayelekile ezweni lonke, ngeke kudingeke ukhathazeke ukuthi ukumbozwa kwakho kuzokwehliswa.
• Inzuzo yeMedicare. Uhlelo lwakho lweMedicare Advantage, noma iMedicare Part C, luzovuselelwa ngokuzenzakalela ngaphandle kokuthi iMedicare ikhansela isivumelwano sayo nohlelo noma inkampani yakho yomshuwalense ithathe isinqumo sokunganikeli ngohlelo obhalise kulo njengamanje.
• Ingxenye yeMedicare D. Njenge-Medicare Advantage, uhlelo lwakho lwe-Medicare Part D (umuthi kadokotela) kufanele luvuselele ngokuzenzakalela. Okuhlukile kuzoba uma iMedare ingavuseleli inkontileka nenkampani yakho yomshuwalense noma inkampani ingasanikezi uhlelo.
• I-Medigap. Inqubomgomo yakho ye-Medigap kufanele ivuselele ngokuzenzakalela. Noma ngabe izinguquko zenqubomgomo zisho ukuthi inkampani yakho yomshwalense ayisaluthengisi uhlelo lweMedigap, ungahlala ugcina uhlelo lwakho. Kodwa-ke, abanye abangena emakethe ye-Medicare kungenzeka bangakwazi ukuthenga inqubomgomo yeMedigap onayo.

Noma iMedicare ihlela ukuvuselela ngokuzenzakalela, lokhu akusho ukuthi kufanele weqe isinyathelo sokuhlola ukumbozwa kwakho unyaka nonyaka. Kamuva, sizohlanganisa amanye amathiphu angeziwe wokuthi ungaqiniseka kanjani ukuthi uhlelo lwakho lusakulungele.

Siyini isaziso sokungavuselelwa?

Uzothola uhlelo lokungavuselelwa ngohlelo lukaMedicare ngo-Okthoba uma inkampani yakho yomshuwalense ingavuseleli inkontileka yayo neMedicare. Izinhlelo zezempilo ezibambe iqhaza kungenzeka zingavuseleli inkontileka yazo neMedicare uma uhlelo lulahlekelwe yimali ebonakalayo phakathi nonyaka.

Isaziso sokungavuselelwa kufanele sikwazise uma uzohlanganiswa ungene kwelinye icebo elifana kakhulu necebo lakho langaphambilini. Izinkampani zomshuwalense zibiza lokhu ngokuthi "ukwenziwa kwemephu."

Uma ungafuni ukufakwa kumephu yohlelo olusha lweMedicare Advantage, ungathatha esinye sezinyathelo ezilandelayo:

• cinga bese ukhetha uhlelo olusha ngesikhathi sokhetho saminyaka yonke
• ungenzi lutho bese uvumela ukumbozwa kwakho kwe-Medicare kubuyele kwi-Medicare yasekuqaleni ngokuzenzakalela (uzodinga ukuthenga uhlelo lweMedicare Part D uma uhlelo lwakho lwangaphambilini lweMedicare Advantage belunezidakamizwa)

Uma umxhasi wecebo engayivuseleli inkontileka yakhe, kufanele waziswe ngamanye ama-Medicare Advantage izinhlelo atholakala esifundeni sakho.

Siyini isaziso sonyaka soshintsho?

Kufanele uthole isaziso sonyaka soshintsho sohlelo lweMedicare ngoSepthemba kusuka kuhlelo lwakho, noma ngabe kusuka ku-Medicare Advantage noma ku-Medicare Part D. Lesi saziso sizochaza noma yiziphi kulezi zinguquko ezilandelayo:

• Izindleko. Lokhu kufaka phakathi ama-deductibles, ama-copay nama-premium.
• Ukufunda. Izinguquko zingabandakanya izinsizakalo ezintsha ezinikezwayo nezibuyekeziwe zezidakamizwa.
• Indawo yesevisi. Lokhu kufaka izindawo ezihlinzekwayo noma insizakalo yenethiwekhi yamakhemisi athile.

Lapho uhlelo lwakho likukwazisa ngalezi zinguquko, ngokuvamile zizoqala ukusebenza ngoJanuwari olandelayo. Uma izici zohlelo lwakho ziguquka, zibuyekeze ngokucophelela ukuze ucabangele ukuthi uhlelo lwakho lusabiza futhi lusebenzela izidingo zakho zezempilo.

Ngiluthola kanjani uhlelo oluhle kakhulu kimi?

Ukukhetha uhlelo oluhle kakhulu inqubo ehlukile kakhulu. Mhlawumbe unezidingo zezempilo ezihlukile, imiyalelo, nokuphila kahle nokukhathazeka kwesabelomali. Ezinye zezindlela zokuthola amacebo (ama) angcono kakhulu wakho zifaka:

• Buyekeza imali oyisebenzisile ekunakekelweni kwezempilo ngonyaka odlule Ngabe uhlangane ngokushesha nemali oyibambile? Ngabe kunezindleko eziningi ezingaphandle kwephakethe kunokulindelekile? Qala ukuthatha noma yimiphi imithi emisha? Uma uphendule ngo-'ye 'kunoma iyiphi yale mibuzo, kungadingeka ukuthi uphinde uhlolisise ukumbozwa kwakho konyaka ozayo.
• Cabanga ngezinto onazo. Dala uhlu lodokotela okufanele ube nalo kwinethiwekhi yakho, imishanguzo oyidingayo, nokuthi ungakhokhela malini. Lokhu kungakusiza ukuthi uhlole uhlelo lwakho lwamanje futhi ubheke noma yiziphi izinhlelo ezintsha ezingahlangabezana kangcono nezidingo zakho.
• Buyekeza ngokucophelela isaziso sakho sonyaka soshintsho. Qiniseka ukuthi ufunda lesi saziso ngokucophelela. Cabanga ngokuthi izinguquko zingakuthinta kanjani kahle noma kabi. Noma ngabe uhlelo lwakho lungakashintshi kakhulu, kusengumqondo omuhle ukuthenga ezitolo. Izinhlelo zingashintsha ngokuphawulekayo unyaka nonyaka, ngakho-ke kufanelekile ukuchitha isikhathi esithile uqhathanisa izinhlelo ezahlukahlukene zeMedicare.

Kwesinye isikhathi, uhlelo lwakho lwamanje lusengcono kakhulu. Kepha ukuhlola amapulani kuqhathaniswa neyakho yamanje kungaqinisekisa ukuthi unokutholakala okungcono kakhulu kuwe.

Uma ukhetha ukushintsha izinhlelo, ungabhalisela uhlelo lwakho olusha ngesikhathi sokubhalisa esikhethiwe. Ukubhalisela uhlelo olusha kuzokukhipha ohlwini lwakho lwangaphambilini lapho ukumbozwa kwakho okusha kuqala.

Yiziphi izikhathi zokubhalisa okufanele ngiziqaphele?

Njengoba inkampani yakho yomshuwalense kudingeka ikwazise ngesikhathi esithile soshintsho, uzoba nezikhathi lapho ungabhalisela khona i-Medicare Advantage (noma ubuyele ku-Medicare yasekuqaleni) noma ushintshe uhlelo lwakho.

Ukubhaliswa kokuqala

Isikhathi sokuqala sokubhalisa yisikhathi sezinyanga eziyi-7 lapho ungabhalisela khona iMedicare. Lokhu kufaka izinyanga ezi-3 ngaphambi kosuku lwakho lokuzalwa lwama-65, inyanga yosuku lwakho lokuzalwa, nezinyanga ezi-3 ngemuva kokuthi ube neminyaka engama-65.

Uma usuvele uthola izinzuzo ezivela kwi-Social Security Administration noma i-Railroad Retirement Board, uzobhaliswa ngokuzenzakalela ku-Medicare. Kodwa-ke, uma ungekho, ungabhalisa nge-Social Security Administration.

Izikhathi zokhetho zaminyaka yonke

Eyaziwa nangokuthi ukubhaliswa okuvulekile kweMedicare, ngalesi sikhathi kusuka ngo-Okthoba 15 kuya kuDisemba 7. Yilapho lapho ungashintsha khona kusuka ku-Medicare yasekuqaleni uye kwi-Medicare Advantage naku-vice-versa.

Ungashintsha futhi izinhlelo zeMedicare Advantage noma ungeze noma wehle iMedicare Part D. Uma usenze izinguquko, ukumbozwa kwakho okusha kuvame ukuqala ngoJanuwari 1.

Isikhathi sokubhaliswa okujwayelekile

Isikhathi sokubhaliswa okujwayelekile sisukela ngoJanuwari 1 kuya ku-Mashi 31. Ngalesi sikhathi, ungenza ushintsho ekusetshenzisweni kwakho, njengokubhalisela i-Medicare yoqobo, ukusuka ku-Medicare Advantage kuya ku-Medicare yasekuqaleni, noma ukushintsha kusuka kuhlelo olulodwa lwe-Medicare Advantage uye kolunye . Kodwa-ke, awukwazi ukushintsha usuke ku-Medicare yoqobo uye kwi-Medicare Advantage.

Isikhathi sokubhalisa esikhethekile

Futhi ungafaneleka ukwenza izinguquko ngaphandle kwesikhathi esivamile sokubhaliswa kweMedicare ngesikhathi sokubhalisa esikhethekile. Lokhu kuvame lapho ulahlekelwa ukumbozwa ngenxa yezinguquko emsebenzini, uma uthuthela endaweni ehlukile yesevisi, noma ungena noma uphuma ekhaya lasebekhulile.

Uma ufuna ukwenza ushintsho ekusetshenzisweni kwakho kwe-Medicare, ungavakashela ithuluzi lokusesha lohlelo ku-Medicare.gov, shayela i-Medicare ku-1-800-MEDICARE, noma uthinte uhlelo ngqo.

Ukuthatha

• Ukutholakala kwakho kwe-Medicare koqobo kuzozivuselela ngokuzenzakalela.
• Iningi lezinhlelo zeMedicare Advantage libuye livuseleleke ngaphandle kokuthi uthathe isenzo.
• Uma uhlelo lwakho lwe-Medicare Advantage noma lwe-Medicare Part D lungavuseleli inkontileka yalo ne-Medicare, kufanele uthole isaziso ngaphambi kwesikhathi sokhetho sonyaka ukuze ukhethe uhlelo olusha.