Izikhathi zokugcina ze-Medicare: Ubhalisela nini i-Medicare?

-Delile

• Ngifanele nini ukubhalisela i-Medicare?
• Iminyaka yakho
• Uma unokukhubazeka
• Ubuzwe bakho
• Uma unomlingani
• Ufanelekela nini ingxenye ngayinye noma ukuhlela ku-Medicare?
• Ingxenye yeMedicare A
• Ingxenye yeMedare B
• I-Medicare Part C (i-Medicare Advantage)
• Ingxenye yeMedare D
• Isengezo seMedicare (iMedigap)
• Yiziphi izikhathi zokugcina zokubhalisa ezingxenyeni nasezinhlelweni ze-Medicare?
• Ukubhaliswa kokuqala kwe-Medicare
• Ukubhaliswa kweMedigap
• Ukubhaliswa emuva kwesikhathi
• Ukubhaliswa kwe-Medicare Part D
• Ukubhaliswa okukhethekile
• Ukuthatha

Ukubhalisa kwi-Medicare akuyona njalo inqubo eyodwa neyenziwayo. Lapho usufanelekile, kunamaphuzu amaningana lapho ungabhalisela khona ingxenye ngayinye ye-Medicare.

Kubantu abaningi, ukubhalisela i-Medicare kwenzeka ngesikhathi sokubhaliswa kokuqala kwezinyanga eziyi-7 (IEP). IEP iqala ezinyangeni ezi-3 ngaphambi kokuba ube neminyaka engama-65 bese iqhubeka izinyanga ezintathu ngemuva kosuku lwakho lokuzalwa.

Noma ngabe unalesi sikhathi engqondweni, ukuthola i-Medicare kahle kungadideka, futhi kungakukhokhela nezinhlawulo uma ungakutholi kahle.

Kule ndatshana, sizonikeza imininingwane ethile mayelana nokufaneleka kwakho kanye nesikhathi sokubhalisela i-Medicare.

Ngifanele nini ukubhalisela i-Medicare?

Uma njengamanje uthola izinzuzo ze-Social Security futhi ungaphansi kweminyaka engama-65, uzobhaliswa ngokuzenzakalela kuzingxenye ze-Medicare A no-B lapho usuba neminyaka engama-65. Uma ungafuni ukuba ne-Medicare Part B, ungayenqaba ngaleso sikhathi.

Uma okwamanje ungakutholi ukuphepha kwezenhlalakahle, kuzofanele ubhalise ngenkuthalo kwi-Medicare.

Lapho usukwazi okufanele ukwenze nokungafanele ukwenze kokubhalisa, inqubo yangempela ilula. Izici ezilandelayo zibalulekile ukuthi uzicabangele lapho ubhalisa kwi-Medicare.

Iminyaka yakho

Ungafisa ukufaka amasondo ngokuzibhalisela i-Medicare nganoma yisiphi isikhathi phakathi nezinyanga ezintathu ngaphambi kosuku lwakho lokuzalwa lwama-65. Ungabhalisela futhi phakathi nenyanga oba neminyaka engama-65 ngayo, kanye nasenkathini yezinyanga ezi-3 elandelayo ngalolo suku.

Kubalulekile ukuthi wazi ukuthi uma ulibazisa ukusayina kuze kube yizinyanga ezi-3 zokugcina ze-IEP, ukuqala kokutholakala kwakho kwezokwelapha kungahle kubambezeleke.

Uma unokukhubazeka

Uma ubulokhu uthola izinzuzo zokukhubazeka kwezenhlalakahle noma izinzuzo zokukhubazeka kwebhodi lomhlalaphansi wesitimela okungenani izinyanga ezingama-24 ezilandelanayo, ufanelekile ukubhalisa kwi-Medicare nganoma yisiphi isikhathi, noma ngabe uneminyaka emingaki.

Uma une-amyotrophic lateral sclerosis (ALS) noma isifo sesifo sesigaba sokugcina (ESRD), ubuye ufaneleke ukuthola i-Medicare nganoma yisiphi isikhathi, ngaphandle kweminyaka yakho.

Ubuzwe bakho

Ukuze ufaneleke ukuthola i-Medicare, kufanele ube yisakhamuzi sase-U.S. Noma umhlali wase-U.S unomphela ohlala ngokusemthethweni lapha okungenani iminyaka emihlanu elandelanayo.

Uma unomlingani

Ngokungafani nezinhlelo zangasese zomshuwalense wezempilo, oshade naye akakwazi ukumbozwa ngaphansi kohlelo lwakho lwe-Medicare.

Ukuze umlingani wakho ambozwe, kufanele bahlangabezane nezidingo ezithile zokufaneleka kweMedicare, njengeminyaka yobudala. Uma lezo zidingo sezihlangatsheziwe, bangafanelekela ukuthola ezinye izinzuzo ze-Medicare ngokuya ngomlando wakho womsebenzi, noma ngabe azisebenzi.

Uma oshade naye emncane kunawe futhi uzolahlekelwa ngumshuwalense wakhe wezempilo uma uya ku-Medicare, bangakwazi ukuthenga umshuwalense wezempilo ngomhlinzeki wangasese.

Uma usondela eminyakeni yobudala engama-65 kodwa ungathanda ukuqhubeka nokutholakala komshuwalense wezempilo njengamanje ngohlelo lomlingani wakho, ngokuvamile ungenza kanjalo, ngaphandle kwesijeziso.

Ufanelekela nini ingxenye ngayinye noma ukuhlela ku-Medicare?

Ingxenye yeMedicare A

Uvumelekile ukubhalisela i-Medicare Part A ngesikhathi sokuqala sokubhalisa.

Uzobhaliswa ngokuzenzakalela uneminyaka engama-65 ye-Medicare Part A uma okwamanje uthola izinzuzo zokukhubazeka Kwezenhlalakahle noma izinzuzo zokukhubazeka kwebhodi yomhlalaphansi wesitimela.

Ingxenye yeMedare B

Njenge-Medicare Part A, ufanelekile ukubhalisela i-Medicare Part B ngesikhathi sokubhalisa kokuqala.

Uzobhaliswa ngokuzenzakalela uneminyaka engama-65 ye-Medicare Part B uma okwamanje uthola izinzuzo zokukhubazeka Kwezenhlalakahle noma izinzuzo zokukhubazeka kwebhodi yomhlalaphansi wesitimela.

I-Medicare Part C (i-Medicare Advantage)

Ukuze ubhalise kwi-Medicare Part C, kufanele uqale ufaneleke, futhi ube nezingxenye ze-Medicare A kanye no-B.

Ungaqala ubhalisele i-Medicare Part C ngesikhathi sokubhalisa kokuqala noma ngezikhathi zokubhalisa ezivulekile, ezenzeka phakathi nonyaka.

Ungabhalisela futhi i-Medicare Part C ngezikhathi ezikhethekile zokubhalisa, njengangemva kokulahlekelwa ngumsebenzi okunikeze ukunakekelwa kwezempilo.

Ungabhalisela uhlelo lwe-Medicare Advantage kungakhathalekile ukuthi uneminyaka emingaki, uma uthola izinzuzo ze-Medicare ngenxa yokukhubazeka, noma uma une-ESRD.

Ingxenye yeMedare D

Ungabhalisela uhlelo lwemithi kadokotela lapho ungena eMedicare Part D lapho uqala ukuthola iMedicare ngesikhathi sokubhaliswa kokuqala. Uma ungabhaliseli i-Medicare Part D zingakapheli izinsuku ezingama-63 kwe-IEP yakho, ungathola inhlawulo yokubhaliswa sekwedlule isikhathi. Lesi sijeziso sizongezwa kwi-premium yakho yanyanga zonke.

Ngeke kudingeke ukhokhe isijeziso sokubhaliswa sekwedlule isikhathi uma unemishanguzo kadokotela ngokusebenzisa uhlelo lweMedicare Advantage noma ngomshwalense wangasese.

Uma ungalithandi uhlelo lwakho lwamanje lwemithi kadokotela, ungenza ushintsho ku-Medicare Part D ngesikhathi esivulekile sokubhalisa, esenzeka kabili ngonyaka.

Isengezo seMedicare (iMedigap)

Isikhathi sokuqala sokubhaliswa komshuwalense owengeziwe we-Medigap sibangelwa ukuqala kwenyanga lapho uhlanganisa khona iminyaka engama-65 bese ubhalisela Ingxenye B. Ukubhaliswa kokuqala kweMedigap kuhlala izinyanga eziyi-6 kusukela ngalolo suku.

Ngesikhathi sokubhaliswa kokuqala, uzokwazi ukuthenga uhlelo lweMedigap esifundeni sakho ngezindleko ezifanayo nabantu abanempilo enhle, noma ngabe unesimo sempilo.

Abahlinzeki beMedigap basebenzisa ukubhala phansi kwezokwelapha ukuthola amanani nokufaneleka. Lokhu kuyehluka ngohlelo lokuhlela nakuzo zombuso. Lapho isikhathi sokuqala sokubhalisa siphela, usengakwazi ukuthenga uhlelo lweMedigap, noma amanani akho angaphakama. Asikho futhi isiqinisekiso sokuthi umhlinzeki weMedigap uzokuthengisela uhlelo ngaphandle kwezikhathi zokuqala zokubhalisa.

Yiziphi izikhathi zokugcina zokubhalisa ezingxenyeni nasezinhlelweni ze-Medicare?

Ukubhaliswa kokuqala kwe-Medicare

Ukubhaliswa kokuqala kwe-Medicare yisikhathi sezinyanga eziyi-7 esiqala izinyanga ezintathu ngaphambi kosuku lwakho lokuzalwa lwama-65, kufaka phakathi inyanga yakho yokuzalwa, futhi kuphela izinyanga ezintathu ngemuva kosuku lwakho lokuzalwa.

Ukubhaliswa kweMedigap

Isikhathi esinqunyiwe sokuthenga umshwalense wokungezelela weMedigap ngamanani ajwayelekile yizinyanga eziyi-6 ngemuva kosuku lokuqala lwenyanga uneminyaka yobudala engama-65 futhi / noma ubhalisele Ingxenye B.

Ukubhaliswa emuva kwesikhathi

Uma ungazange ubhalisele i-Medicare ngesikhathi uqala ukufaneleka, usengabhalisa kuzingxenye ze-Medicare A no-B noma ohlelweni lwe-Medicare Advantage ngesikhathi sokubhaliswa okujwayelekile, yize izinhlawulo kungenzeka zengezwe ezindlekweni zenyanga yakho amaphrimiyamu.

Ukubhaliswa okujwayelekile kwenzeka minyaka yonke kusuka ngoJanuwari 1 kuya kuMashi 31.

Ukubhaliswa kwe-Medicare Part D

Uma ungazange ubhalisele i-Medicare Part D ngenkathi uqala ukufaneleka, ungabhalisa ngesikhathi sokubhaliswa esivulekile saminyaka yonke, esenzeka kusukela ngo-Okthoba 15 kuya kuDisemba 7 unyaka nonyaka.

Izinhlelo zeMedicare Advantage ezibandakanya ukumbozwa kwezidakamizwa kadokotela nazo zingathengwa ngesikhathi sokubhaliswa esivulekile saminyaka yonke seMedicare Advantage esenzeka kusuka ngoJanuwari 1 kuya kuMashi 31.

Ukubhaliswa okukhethekile

Ngaphansi kwezimo ezithile, ungakwazi ukufaka isicelo sekwedlule isikhathi se-Medicare, ngesikhathi esithile esaziwa ngokuthi yisikhathi esikhethekile sokubhalisa.

Izikhathi ezikhethekile zokubhalisa zinganikezwa uma ulinde ukubhalisela i-Medicare yangempela ngoba ubuqashwe yinkampani ebinabasebenzi abangaphezu kuka-20 lapho uneminyaka engama-65 ubudala futhi unikezwe umshuwalense wezempilo ngomsebenzi wakho, inyunyana noma owakwakho.

Uma kunjalo, ungafaka isicelo sezingxenye ze-Medicare A kanye no-B zingakapheli izinyanga eziyi-8 ngemuva kokuphela kokumbozwa kwakho, noma kwezingxenye ze-Medicare C no-D ezinsukwini ezingama-63 ngemuva kokuthi ukumbozwa kwakho kuphelile.

Izinhlelo zeNgxenye D zingashintshwa ngezikhathi ezikhethekile zokubhalisa uma:

• uthuthele endaweni enganikezwa uhlelo lwakho lwamanje
• uhlelo lwakho lwamanje lushintshile futhi alusafaki indawo okuyo
• ungene noma waphuma ekhaya labahlengikazi

Ukuthatha

Ukufaneleka kweMedicare kuvame ukwenzeka kusukela ezinyangeni ezintathu ngaphambi kwenyanga ohlanganisa iminyaka engama-65. Lesi sikhathi sokuqala sokubhalisa sihlala izinyanga eziyi-7.

Kunezimo ezikhethekile kanye nezinye izikhathi zokubhalisa ezinikezwe wena, lapho ungathola khona ukumbozwa, uma uphuthelwa ukubhaliswa kokuqala.

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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