Amaphutha Abantu Abenza Ngesikhathi Sokubhalisa Okungenayo Kwemithi

Thatha isikhathi sokwenza umsebenzi wesikole

I-Medicare's Period Open Registration ifika ngo-Okthoba 15 kuya kuDisemba 7 njalo ngonyaka. Lena yithuba lakho elikhulu lokwenza ushintsho ohlelweni lwe-Medicare okwamanje olulodwa olulungele kangcono izidingo zakho.

Zonke izinkampani zomshuwalense zizofuna ucezu lwaloo pie futhi lokho kusho ukuthi cishe uzobhekwa izikhangiso kanye nokukhushulwa okushiya ibhokisi lakho lemeyili libukeka njenge-turkey enezintambo. Isivivinyo ukuphosa wonke lawo maphepha kudoti bese ugcina uhlelo olukhona. Lokho kungase kungabi njalo umqondo omuhle kakhulu. Ungase uthande ukuthatha isikhathi sokungena kulolu lwazi ukuze uthole ukuthola okungcono.

Nazi amaphutha amahlanu avame kakhulu abantu abawenza ngesikhathi se-Medicare Open Registration nokuthi ungawagwema kanjani.

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Awubhalisi Ukuphepha Kwemithi Yezincwadi

Impendulo yokuguqa ngamadolo kungukuthi uthenge ukufakwa kwezidakamizwa ezidakamizwa nge-Medicare Part D isu uma ungathathi imithi. Kungani ukhokhela izinkokhelo zenyanga ngenyanga into ongayidingi? Ngoba ungabhekana nokuphila kwesikhathi seNgxenye D izigwegwe eziphuthumayo uma ekugcineni ubhalisa.

Njengazo zonke izinto ekuphileni, kukhona okuhlukile. Uma unesidingo sokuthenga izidakamizwa kusuka eminye imithombo (uhlelo lwezempilo oluxhaswe ngumqashi, Isevisi yezeMpilo yaseNdiya, Uhlelo lwe-All-Inclusive Care for the Elderly, TRICARE, noma izinzuzo zezempilo ze-Veteran), ungalinda ukubhalisela uhlelo lwe-Part D ngaphandle kokubhekana nezijeziso. Ukukhishwa kwemali ebonakalayo kusho ukuthi ukuthengiswa kwezidakamizwa kuhle njengoMedare. Ezinye izinhlelo zakho zezempilo kufanele zikwazise uma zihlangabezana nalesi simiso ukuze wenze isinqumo esinolwazi mayelana nokubhalisela iNgxenye D.

I-TIP: Uma ungayithathi imithi kadokotela futhi ungenayo imali yokuthola imali evela kwelinye uhlelo lwezempilo, khetha uhlelo lwe-Part D nge-premium ephansi ukuze uthole ukukhokhelwa okungenani.

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Awunakufunda Isaziso Sonyaka Sokuguqula Uhlelo Lwakho

Ekupheleni konyaka, uhlelo lwakho lwe- Medicare Advantage noma i- Part D luzothumela isaziso sonyaka sokuguqula. Le dokhumenti ichaza ukuthi yiziphi izinguquko ezizayo ngonyaka omusha ngokuphathelene nezindleko kanye nokuqashwa.

Izinkokhelo, ama-deductibles, u-coinsurance, kanye ne-copayments azifiki ezishibhile futhi izindleko zokuhamba zingamangaza ukuthi uzofika ngoJanuwari 1 lapho uhlelo olusha lukhahlela. Ukulahlekelwa ukukhokhelwa kwezinsizakalo noma imithi oyisebenzisayo njalo kuyokubiza kakhulu nakwezindleko zezimpahla.

ISIPHUMA: Funda isaziso sakho sonyaka sokuguqula njalo ngonyaka ukuqinisekisa ukuthi ungakwazi ukukhokhela uhlelo olusha ngonyaka ozayo futhi uqinisekise ukuthi uhloselwe ukunakekelwa kwezempilo okudingayo.

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Ubhalisela Uhlelo olufanayo njengoMngane wakho noma oshade naye

Abantu abaningi babhalisela uhlelo oluthile lwezempilo olusekelwe ezincomeni ezivela kubantu abazi. Mhlawumbe umngane noma umakhelwane noma ngisho naye oshade naye uye waba nesipiliyoni esihle ngecebo. Abanye abantu bangase bakhethe uhlelo olusekelwe egameni layo lomkhiqizo nedumela. Ngenkathi lokhu kungase kube kuhle kakhulu ngenkonzo enhle yamakhasimende kanye nezinzuzo zokufinyelela , ungavumeli lezi zincomo zingakwenzela wena isinqumo.

Impilo yakho ihlukile kuwe. Akekho owabelana ngomlando wakho wezokwelapha. Kungenzeka bangabi nemithi efanayo noma basebenzise odokotela abafanayo. Kulokhu, izidingo zakho zezokwelapha zizohlukahluka kubangani bakho nomndeni wakho. Udinga ukuthola uhlelo oluhambisana nesimo sakho ngabanye kuqala.

I-TIP: Izincomo ezivela emndenini nabangane zingakusiza ukunquma phakathi kwamacebo kodwa uqinisekise ukuthi lezo zihlelo zihlangabezana nezidingo zakho siqu kuqala.

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Awushintshi Ukugcina Odokotela Bakho

Ngokungafani ne-Medicare yase-Original, esebenza okufanayo noma kuphi ezweni, ama-Medicare Advantage kanye nohlelo lwe-Part D basebenza emanethiwekhi wendawo. Lokhu kusho ukuthi ungasebenzisa kuphela abahlinzeki bezempilo kuleyo nethiwekhi noma uzokhokha ukuvakashelwa kwabo ephaketheni. Lezo zindleko zinganezela ngokushesha.

Amanethiwekhi angashintsha noma kunini. Lokhu kusho ukuthi uhlelo lweMedricare lungahlehlisa umhlinzeki kusuka kunethiwekhi yaso, hhayi ngoba kunezinkinga nomhlinzeki ngamunye kodwa ngoba kukhona ukungavumelani ngaphezu kwezidingo zesivumelwano. Uma ufuna ukulondoloza imali futhi ugcine odokotela owaziyo nokuzethemba, noma uma udokotela ofuna ukuya kulokho akusikho inethiwekhi yakho yamanje, ungase uthande ukukhetha uhlelo olufaka lo dokotela kwinethiwekhi yayo.

I-TIP: Khetha uhlelo olunabo bonke abahlinzeki bakho bezempilo enethiwekhi.

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Awuthengi Ukuthenga Uhlelo Olusha

Ungase ucabange ukuthi usuvele unalo uhlelo oluphelele. Ihlanganisa zonke izidingo zakho zempilo ngonyaka odlule futhi kwafika ngezindleko ezifanele. Yanikeze futhi amakhasimende anelisayo. Ingabe lokhu kusho ukuthi kuzoba uhlelo oluhle kakhulu kuwe ngonyaka omusha? Akunjalo ngempela.

Izinkampani zomshuwalense zinomgomo wokuhlinzeka ukunakekelwa kwempilo esemqoka kodwa emphakathini oyinhloko-capitalist, inhloso yabo enkulu ukuguqula inzuzo. Ngama-dollar namasheyinti aqhuba umbukiso, ababhalisi bayaphikisana omunye emakethe futhi lokhu kungahle kuzuze. Iqiniso kungase kube nezinhlelo ezimbalwa ezingahlangabezana nezidingo zakho. Thatha isikhathi sokubona ukuthi uqhathanisa kanjani nezindleko bese ukhetha okuzokugcina imali eningi.

I-TIP: Vakashela i-https: //www.medicare.gov/find-a-plan/questions/home.aspx ukuze uqhathanise izindleko nokufakwa kwamapulani ahlukene.

I-Mistake enkulu kakhulu

Iphutha elikhulu abantu abakwenzayo phakathi ne-Medicare's Open Registration ayenzi ushintsho. Abantu abaningi kakhulu bathatha indlela yokungavumi kakhulu futhi balondoloze izinhlelo zabo zamanje ngaphandle kokuphenywa okuqhubekayo. Kuhlale kudingeke ukuhlolisisa ukuze ubone ukuthi ungathola ukunakekelwa kangcono ngentengo engathandekayo.