I-Medicare yilona uhlelo lukahulumeni wase-United States olunikeza ukuxhasa ukukhokhelwa kokukhokhelwa kokunakekelwa kwezempilo kanye nokwelashwa. Kwaqala kuqala ngo-1965 ukusiza labo abangakwazi ukukhokhela impilo noma ukunakekelwa kwezempilo eminyakeni yabo yokuthatha umhlalaphansi, noma abakhubazekile ngokuphelele kwezinye izifo ezifana nesifo sokuqeda isiteleka sokuphela . Namuhla, izigidi zezakhamuzi zaseMelika ezineminyaka engama-65 nangaphezulu, kanti izigidi zabantu abasha ababhekene nezifo ezithile zithola usizo lweMedare.
Ubani Ohlalela Imithi?
Uhlelo lwe-Medicare lwenziwa yizikhungo ze-Medicare kanye neMedicaid Services (i-CMS) ngaphansi koMnyango WezeMpilo WezeMpilo wase-United States (HHS). Ixhaswa intela yombuso ngokusebenzisa ukukhishwa kwamaholo kusukela ngesikhathi umuntu eqala ukusebenza njengomuntu osemusha, ngokuthatha umhlalaphansi wakhe emsebenzini. Iphinde isekelwe amaphrimiyamu akhokhiswa kulabo bantu abangazange bakhokhe ngokwanele ngaphezu kweminyaka yokusebenza. Lokhu kusho ukuthi uma usebenzela impilo, usuvele ukhokhele ukukhokhelwa kwe-Medicare noma okungenani ingxenye yayo.
Uma isakhamuzi saseMelika siphenduka eminyakeni engama-65, khona-ke ufanelekile ukuhlinzekwa kwe-Medicare ukusiza ukukhokhela impilo noma ukunakekelwa kwezokwelapha njengoba kuyadingeka.
Izigaba ze-Medicare A, B, C noD - Zisho ukuthini?
Ububanzi buwela ezindaweni ezine ezihlukene, okuthiwa "Izingxenye." Izingxenye ezahlukene zibhekisela ezinhlotsheni ezahlukene zokusekelwa ngenkokhelo nokuhlinzekwa okuhlinzekwe nguMedare:
- I-Medicare Ingxenye A isembozo esibhedlela esibhedlela, kanye nohlengikazi onekhono, ukunakekelwa kwezempilo, nokunakekelwa kwezempilo ekhaya
- I-Medicare Part B ingokuvakashelwa udokotela nezinsizakalo zokuvimbela ezifana nokuhlola ukuhlola
- I-Medicare Part C yiyona ingxenye ehlanganisa izinhlelo ze-Medicare Advantage eziphathwa ngokunakekelwa ezinikezwa izinkampani zangasese. Lezi zinhlelo zokuzikhethela ukuthi iziguli zikaMedare zingakhetha ukukhokha ngokwehlukana.
- I-Medicare Part D ingukufaka izidakamizwa.
Bonke abatholi bemithi bathola ubuncane, usizo lokuyisisekelo oluyisisekelo lwezingxenye ze-A, B, no-D ezibheke ukuhlala esibhedlela, ukuvakashelwa odokotela nokukhokha ezinye izidakamizwa. Lokho akusho ukuthi bayakhululekile - kusho ukuthi bayakhokhwa kancane, kuye ngokuthi unakhokhela kangakanani phakathi neminyaka yakho yokusebenza (bheka ngezansi) nalokho okuthola imali yakho yangonyaka yonke. Izindleko ezengeziwe zizofika ngendlela yama-premium kanye / noma ekhokhelwa.
Ukusebenza ngaphansi kweCandelo C kubangela izindleko ezengeziwe futhi kungenziwa ukhethwe yibo abangakwazi ukukukhokhela. Uma umuntu ekhetha uhlelo lwe-Medicare Advantage noma i- Medigap ngaphansi kweNgxenye C, lokhu kusho ukuthi bazophatha umshwalense wabo wezempilo njengoba nje babedlule eminyakeni yabo yeMedare, ngokusebenzisa umkhokheli wangasese. Kodwa-ke, njengoba beyisiguli seMedare, lowo ukhokha wangasese uzokhokhelwa izindlela ezimbili: ngabo ngabanye, kanye nohulumeni wesifundazwe.
Iyini Indleko Yempilo?
Ngeke kusimangaze ukuthi ufunde ukuthi impendulo yombuzo wezindleko ", kuncike."
Uma usebenzela impilo ngaphambi kokuba uneminyaka yobudala engama-65, wabe ukhokhela ku-Medicare ngokusebenzisa umqashi wakho. Empeleni, uthengise umshuwalense wezempilo ngeminyaka yakho engemva kweminyaka engu-65 nayo yonke imali yokukhokha oyitholile.
Imali itholwe emholweni wakho, futhi uma ingenakwanele, wabe ukhokha ngisho nangaphezulu uma ufaka intela yakho yentela.
Kuncike ekukhethweni okwenzela lokho kokuthunyelwa kokuthunyelwa kwe-post-65, ungakhokha ngaphezulu kokusabalala kwakho kwe-Medicare ngenkathi uhamba. Isibonelo, uma ukhetha i-Medicare Advantage noma uhlelo lwe-Medigap ungakhokhela izinkokhelo ezengeziwe, kungenzeka ukuthi ukukhokhelwa okuthuthukisiwe. Iziguli eziningi zeMedare zikhokha ama-premium futhi zikhokhela, ngokuya ngemali engenayo yonyaka. Kuye kuhlelo lokusebenzisa izidakamizwa ozikhethayo, ungakhokha okungenani imithi kadokotela oyidingayo. Uma ufuna ukumbozwa ngenkathi uhamba ngaphandle kwe-United States, noma ufuna igumbi elizimele esibhedlela, ungase ukhokhe ngaphezulu.
Yilezo zikhethelo, kanye nobuhlobo babo ezindleko, ezenza ukubhaliswa okuvulekile kubalulekile kusukela lapho iziguli zikaMedare zikhetha ukuthi yiziphi izinketho abazozifuna endaweni ezayo ngonyaka olandelayo.
Kuyini Ukubhaliswa Okuvulekile?
Kwaphela amasonto ambalwa phakathi nekota yokugcina yonyaka ngamunye, ngo-Okthoba kuya kuDisemba, lezo zakhamizi ezifanelekile kuMedareri ngonyaka olandelayo, zingenza izinqumo mayelana nemisebenzi yabo ye-Medicare kulolo nyaka ozayo. Le nkathi ibizwa ngokuthi i-Medicare Open Registration. Kufana nenkathi yokubhalisa evulekile esetshenzisiwe ngabaningi bomshuwalense wezempilo yangasese.
Kunezinqumo eziningana okumelwe zenziwe ngesikhathi sokubhaliswa kwe-Medicare okuvulekile. Njengoba kufana nokukhethwa kwomshuwalense wezempilo wangasese, abadala basebenzisa izinqumo zabo odokotela abafuna ukuzikhethela kuzo, yiziphi izinhlobo zokwelapha izidakamizwa ezidingekayo, ukuthi bangakanani imali yokukhokhela (noma bafuna) ukukhokhela nokuningi.
Unyaka ngamunye kunezinguquko. Okungenani, inani le-premium lishintsha. Ngokuvamile, izinhlobo zenguquko yokuguqula. Amalungiselelo anikezwa unyaka owodwa angase anqunywe noma anwetshwe ngabashuwalense abazimele abanikela nge-Medicare Advantage.
Kukhona nezinguquko ngenxa yokuguqulwa kwezempilo ngonyaka ngamunye okuhloswe ukwenza kube lula ukufinyeleleka, okunye okugxile ekunakekelweni kwezempilo.
Ngingakufunda Kanjani Ngomuthi?
Kunezinsiza ezinhle kakhulu ezitholakalayo zokufunda kabanzi nge-Medicare, ukufaneleka kwakho, Ukubhaliswa Okuvulekile kanye neMiphakamiso Ye-Medicare Advantage, futhi:
- Thola ulwazi mayelana ne-Medicare Open Registration yamanje noma ezayo
- Thola usizo ekukhetheni uhlelo oluhle kakhulu ngohlelo lwakho lwe-SHIP yesimo (State State Insurance Insurance Program)
- Funda kabanzi mayelana nohlelo lwe- Medicare Advantage noma ama- Medigap .
- Kusukela ku-CMS - amaCenter for Medicare neMedicaid Services