Yiziphi Izinhlelo Zero Premium Medicare Advantage?

-Delile

• Ingabe izinhlelo ze-zero premium Medicare Advantage zikhululekile ngempela?
• Ngabe izinhlelo ze-zero premium Medicare Advantage zisebenza kanjani?
• Ufanelekela kanjani ukuthola ama-zero premium Medicare advantage plans?
• Ubhalisa kanjani kwi-Medicare Advantage (Ingxenye C)?
• Ukuthatha

• Izinhlelo eziningi ze-Medicare Advantage zine-premium engu- $ 0 yenyanga.
• Kodwa-ke, izinhlelo zanyanga zonke ze-premiumkungenzeka ingakhululeki ngokuphelele.
• Ngokujwayelekile kusazodingeka ukhokhe ezinye izindleko njengama-copay, ama-deductibles, kanye ne-coinsurance, kanye ne-premium B yakho ye-Part B.

Uma uthenga uhlelo lwe-Medicare, kungenzeka ukuthi ubone inkulumo ethi "zero dollar premium" enamathiselwe kwezinye izinhlelo ze-Medicare Advantage.

I-Medicare Advantage (Medicare Part C) uhlelo lokunakekelwa kwezempilo olunikezwa izinkampani zomshuwalense ezizimele. Kepha kukhona ongakuthola mahhala mahhala?

Ake sihlolisise amapulani we-zero premium Medicare Advantage nokuthi lokhu kungaba yindlela enhle yezidingo zakho zokunakekelwa kwezempilo.

Ingabe izinhlelo ze-zero premium Medicare Advantage zikhululekile ngempela?

Yize izinhlelo zeMedicare Advantage zingaba ne-premium engu- $ 0, kunezinye izinto ongazikhokhela ngaphandle kwephaketheni. Lezi zindleko zingafaka:

• Amakhophi. I-copayment (i-copay) yinani olikhokhela insizakalo ngemuva kokuhlangabezana nokudonswayo kwakho. Lokhu kungaphakama ngezinhlelo ezine-premium ephansi yanyanga zonke, ngenkathi izinhlelo ezine-premium ephezulu yenyanga zingaba nama-copay aphansi.

• Coinsurance. I-Coinsurance yinani obophezelekile kulo ukukhokhela insizakalo emboziwe, noma ngabe usuyikhokhile imali oyikhiphile. Isibonelo, uma i-coinsurance yakho ingamaphesenti angama-20, uzokhokha amaphesenti angama-20 okuqala enani elifunekayo, futhi uhlelo lwakho lwezempilo luzomboza okusele.

• Iyadonswa. Imali ekhishwayo iyimali obophezelekile ukuyikhokha ngaphambi kokuthi uhlelo lwakho lomshuwalense luqale ukukhokha isabelo salo. Ukudonswa kwemali kuvame ukuphakama ngezinhlelo ezinamaphrimiyamu aphansi, okusho ukuthi uzokhokha kancane inyanga ngayinye kuma-premium kodwa okuningi ukhipha ephaketheni ngezinsizakalo zokunakekelwa kwezempilo ngakunye. Ngemuva kokukhokha imali yakho yonke ekhishwe ngokuphelele, uhlelo lwakho lwezempilo luzokhokha izindleko eziningi zezinsizakalo zezokwelapha, kepha kusengadingeka ukhokhe i-copay noma i-coinsurance.

• Amanye amaprimiyamu e-Medicare. Ngisho nohlelo lweMedicare Advantage, unesibopho sokukhokha amaphrimiyamu azo zonke ezinye izingxenye zeMedicare (izingxenye A, B, noD) ongahle ube nazo. Abantu abaningi abakhokhi imali ekhokhelwa u-Part A, kodwa u-Part B unayo imali ekhokhwa ngenyanga.

Izinhlelo eziningi zezempilo zinenani eliphakeme umuntu okufanele alikhokhe ephaketheni. Uma leyo mali seyihlangatsheziwe, uhlelo lwezempilo luzofaka amaphesenti ayi-100 ezindleko zezinsizakalo zokunakekelwa kwezempilo unyaka wonke.

Ngabe izinhlelo ze-zero premium Medicare Advantage zisebenza kanjani?

Izinhlelo zeMedicare Advantage unikezwa wena ngenkampani yomshuwalense yangasese. Lezi zinhlelo zingena esikhundleni sokutholakala kwendabuko kwe-Medicare: Ingxenye A ingumshwalense wesibhedlela, Ingxenye B ngumshwalense wezokwelapha, kanye neNgxenye D, enikezela ngemithi kadokotela.

Ngokuya ngecebo olikhethayo, uhlelo lweMedicare Advantage lungahle futhi luhlanganise nezinsizakalo ezingeziwe njengokuzwa, umbono, amazinyo, nezinye izinhlelo zempilo uMedare wendabuko ongazenzi.

Nakhu ukuthi uhlelo lwe-zero premium lwakhiwa kanjani. Ukugcina izindleko ziphansi, uhulumeni wesifundazwe wenza isivumelwano nezinkampani zomshuwalense ezizimele ukuhlinzeka ngohlelo lwakho. Ngalesi sivumelwano, uhulumeni ukhokha imali eyisamba enkampanini yomshuwalense. Inkampani yomshwalense bese idala izivumelwano nenethiwekhi yezibhedlela noma abahlinzeki, okugcina izindleko zakho ziphansi inqobo nje uma uhlala kwinethiwekhi.

Izinhlelo eziningi zeMedicare Advantage unikezwa wena nge-premium engu- $ 0 yenyanga ngezizathu ezimbalwa:

• Izindleko ziphansi ngoba i-Medicare iyavumelana ngamanani ngenethiwekhi yabahlinzeki bezokunakekelwa kwezempilo.
• Izinhlelo zeMedicare Advantage zimboza izinhlelo eziningi zokunakekelwa nezinhlelo zokuphila kahle, ezigcina ababambiqhaza bephilile. Ukuba nomhlanganyeli okunempilo, kwehlisa izindleko zokunakekelwa kwabo kwezempilo.
• Uma ungayisebenzisi yonke imali eyisicaba iMedicare ekhokha inkampani yomshuwalense yangasese, leyo mali ingadluliselwa njengokulondolozwa kuwe, okwenza imali yakho ekhokhwayo ibe ngu- $ 0 ngenyanga.

Ufanelekela kanjani ukuthola ama-zero premium Medicare advantage plans?

Ufanelekela uhlelo lwe-zero premium Medicare Advantage uma uhlangabezana nezimfuneko zokufaneleka zohlelo lweMedicare. Kumele:

• ube neminyaka engama-65 noma ngaphezulu
• ubhalise ezingxenyeni zeMedicare A no-B
• hlala endaweni yokumbozwa nganoma yiluphi uhlelo olukhethayo

Ubhalisa kanjani kwi-Medicare Advantage (Ingxenye C)?

Ukuze ubhalisele uhlelo lwe-Medicare Advantage, hamba uye kuwebhusayithi ye-Medicare.gov bese usebenzisa ithuluzi lokuthola uhlelo. Iminikelo yohlelo lwengxenye C iyahlukahluka ngezwe, kepha leli thuluzi likuvumela ukuthi useshe izinhlelo ezitholakalayo endaweni yakho ngokufaka ikhodi yakho ye-ZIP.

Kunezikhathi ezithile zokubhalisa ezinhlelweni ezahlukahlukene zeMedicare:

• Isikhathi sokuqala sokubhalisa. Ungaqala ukubhalisa ezingxenyeni ze-Medicare izingxenye A no-B izinyanga ezintathu ngaphambi kokuba ube neminyaka engama-65 kuya ezinyangeni ezintathu ngemuva kosuku lwakho lokuzalwa lwama-65.
• Vula ukubhaliswa. Uma ufuna ukwenza ushintsho ekubhalisweni kwakho okukhona kwe-Medicare okuyingxenye A noma B, noma uneminyaka engaphezu kwengama-65 kodwa usadinga ukubhalisa, isikhathi sokubhalisa esivulekile ngu-Okthoba 15 kuya kuDisemba 7 minyaka yonke.
• Ukubhaliswa okuvulekile kweMedicare Advantage. Lokhu kwenzeka minyaka yonke kusuka ngoJanuwari 1 kuya kuMashi 31 futhi kukuvumela ukuthi ushintshe kusuka kuhlelo oluthile lwengxenye C uye kolunye.

Uma usiza othandekayo wakho ukuthi abhalise kwi-Medicare, khumbula:

• hlanganisa imibhalo ebalulekile, efana nekhadi lezokuphepha komphakathi kanye nanoma yimiphi eminye imibhalo yecebo lomshuwalense
• qhathanisa amapulani ku-inthanethi ngethuluzi lokuthola uhlelo lweMedicare.gov noma ngewebhusayithi yenkampani yakho yomshuwalense oyithandayo

Ukuthatha

Izinhlelo ze-Zero premium Medicare Advantage zingaba yindlela enhle kubantu abafuna ukugoqa noma ukwengeza ukutholakala kwabo kwe-Medicare. Qiniseka ukuthi ucwaninga kahle izinhlelo ngaphambi kokukhetha eyodwa ukuze uqiniseke ukuthi ihlanganisa konke okudingayo.

Lo mbhalo uvuselelwe ngoNovemba 13, 2020, ukukhombisa imininingwane ye-2021 Medicare.

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.