Indlela Yokugwema Ingxenye D Isigwegwe Sokubhalisa Esincane
Qaphela ukugwema i-Medicare Part D isijeziso sokubhalisa sekwephuzile!
I-Medicare Part D, inzuzo yezidakamizwa zemithi yokwelapha, ihlinzekwa kuwo wonke umuntu onama-Medicare. Ukuze uthole ukuthengwa kwezidakamizwa zeNgxenye D, kufanele ujoyine uhlelo oluqhutshwa yinkampani yomshuwalense yangasese evunyiwe yi-Medicare (ukubeka eceleni kwe-Part D) noma ubhalise ohlelweni lwe-Medicare Advantage oluhlanganisa ukufakwa kwezidakamizwa.
Indlela Yokujoyina, Ukuguqula, Noma Ukuyeka I-Medicare Drug Plan
I-Medicare inezimiso ezithile mayelana nokuthi ungajoyina nini, ungashintsha kanjani noma uphonsa uhlelo lwezidakamizwa lwe-Medicare Part D. Ungakwazi ukujoyina uhlelo lweDem D drug:
- Uma uqala ukufaneleka ku-Medicare (isikhathi sezinyanga eziyisikhombisa esiqala izinyanga ezintathu ngaphambi kwenyanga uvula iminyaka engama-65, kufaka inyanga oyiphendukela ku-65, futhi iphetha izinyanga ezintathu ngemuva kwenyanga oyivula ngayo).
- Uma uthola i-Medicare ngenxa yokukhubazeka, ungajoyina phakathi nezinyanga ezintathu ngaphambi kwezinyanga ezintathu emva kwenyanga yakho eyi-25 yokukhubazeka.
Ungakwazi ukujoyina, ukushintsha noma ukulahla uhlelo lwezidakamizwa lwe-Medicare Part D:
- Phakathi kuka-Okthoba 15 noDisemba 7 unyaka ngamunye, ukuze kutholakale ukusebenza okuphumelelayo ngonyaka wokuqala konyaka olandelayo.
- Noma kunini, uma ufaneleka ukuthola usizo oluthile olusuka ku-Medicare, noma kukhona okubili-olufanelekile kokubili kweMedare and Medicaid.
I-Medicare idinga ukuthi uma ubhalisa ohlelweni lweNxenye D yezidakamizwa, kumele uhlale ubhalisele unyaka wekhalenda oqala usuku oluqala ngalo ukuqala.
Noma kunjalo, ungakwazi ukujoyina, ushintshe, noma ngabe uyizinhlelo zakho zezidakamizwa zeMedare ngezikhathi ezithile:
- Uma uphuma endaweni yesevisi ye-Part D plan, njengokuthuthela kwenye indawo.
- Uma ulahlekelwa ezinye zokuthenga izidakamizwa ezikhokhwayo.
- Uma uhlala esikhungweni esinjengekhaya labahlengikazi noma esinye isikhungo sokunakekelwa isikhathi eside.
Incazelo kaMnyango weMithi Yokukhokhiswa Kwemithi Ekhokhwayo: Ukuthengiswa kwezidakamizwa (isibonelo, kusuka kumqashi noma inyunyana) okulindeleke ukuthi ukhokhe, ngokwesilinganiso, okungenani ngokwezinga elijwayelekile lokusetshenziswa kwezidakamizwa zemithi e-Medicare. Abantu abanalo hlobo lokubheka uma befanelekile ku-Medicare bangakwazi ukugcina lokho kokubhadela ngaphandle kokukhokha inhlawulo, uma benquma ukungena ku-Medicare ukukhishwa kwezidakamizwa ngezidakamizwa kamuva.
Igwebo le-Medicare Part D Late Registration Late
Isijeziso sokubhalisa seMedare sekwephuzile yisibalo esongezwa ku-Part D yakho yenyanga premium. Ungakhokhwa isigwebo sokubhalisa sekwephuzile ngenxa yalezi ezilandelayo:
- Awuzange ujoyine uhlelo lwezidakamizwa lwe-Medicare Part D uma uqala ukufaneleka ku-Medicare, futhi awunakho ukuthengiswa kwezidakamizwa ezidalwa ngodokotela.
- Awunayo ukunikezelwa kwezidakamizwa zeMedare noma ezinye izidakamizwa zemithi ekhokhwayo zemali ezinsukwini ezingu-63 noma ngaphezulu ngokulandelana.
Qaphela: Uma uthola Usizo Olwengeziwe, awukhokhi isijeziso sokubhalisa sekwephuzile.
Ungagwema ukukhokha inhlawulo ngu:
Ukujoyina uhlelo lweDube D lwezidakamizwa uma uqala ukufaneleka ku-Medicare.
Akuhambanga izinsuku ezingu-63 noma ngaphezulu ngokulandelana ngaphandle kwepulani le-Medicare Part D noma olunye ukukhishwa okubolekayo. Ngokombiko weMedare: Ukuthengiswa kwezidakamizwa ezidayiswa ngemali kungabandakanya ukuthengiswa kwezidakamizwa kusuka kumqashi wamanje noma wangaphambili, i-TRICARE, iNkonzo yezeMpilo yaseNdiya, uMnyango Wezilwane, noma ukutholakala komshuwalense wezempilo.
Uhlelo lwakho luzokutshela unyaka ngamunye uma ukuthengiswa kwezidakamizwa kwakho kukhishwa ngesikweletu. Lolu lwazi lungathunyelwa kuwe encwadini noma lufakwe encwadini ephuma kuhlelo. Gcina lolu lwazi, ngoba ungadinga uma ujoyina uhlelo lwezidakamizwa lweMedare kamuva.
Qinisekisa ukutshela uhlelo lwakho mayelana nanoma yikuphi ukuthengiswa kwezidakamizwa owawuba nazo uma bebuza ngakho: Uma ujoyina uhlelo, futhi bakholelwa ukuthi uhamba okungenani izinsuku ezingu-63 ulandelana ngaphandle kokunye ukufakwa kwezidakamizwa zemithi ekhokhwayo, bazokuthumela incwadi. Le ncwadi izofaka ifomu elibuza mayelana nanoma yikuphi ukuthengiswa kwezidakamizwa owawunayo. Gcwalisa ifomu. Uma ungatshelanga uhlelo mayelana nokukhishwa kwakho esikweletu, kufanele ukhokhe inhlawulo.
Isijeziso singangeza!
Kungakanani ukuthi inkokhelo yokubhalisa sekwephuzile incike ekutheni ungakabi nesikhathi esingakanani sokuthenga izidakamizwa zemithi. Isijeziso sokubhalisa sekwephuzile sibalwa ngokuphindaphinda u-1% we-"premium premium beneficiary premium" ($ 35.63 ngo-2017) wanda ngenani lezinyanga ezigcwele owawufanelekile kodwa awujoyina uhlelo lwezidakamizwa lweMedare futhi wangena ngaphandle kweminye imithi ekhokhwayo ukufakwa kwezidakamizwa.
Leyo mali isuselwe ku-$ .10 eseduzane futhi ingeziwe ku-premium yakho yenyanga. Njengoba i-"premium premium benefit premium" ingakhuphuka ngonyaka, inani lemali lingasanda njalo ngonyaka. Kumele ukhokhe lesi sinxephezelo uma nje unesiza sezidakamizwa seMedare.
Isibonelo sokuqala: UNksz Jones akajoyina isigaba se-Part D lapho eqala ukufaneleka (ngo-Meyi 15, 2006). Ujoyine uhlelo lwezidakamizwa lwe-Medicare ngesikhathi sokubhalisa ngo-2009 (Novemba 15-Disemba 31, 2009), ukuze kube nokubhalisa okuphumelelayo ngoJanuwari 1, 2010. Kusukela uNksz Jones engajoyina lapho eqala ukufaneleka futhi engenawo omunye umuthi odalwe ukukhishwa kwezinyanga ezingu-43 (ngoJuni 2007-Disemba 2010), wahlawuliswa isamba esingu-$ 13.90 ngonyaka wango-2011, lapho u-premium uzuzwa u-$ 32.34 ($ 32.34 x.01 x 43 = $ 13.90) ngaphezu kwenyanga yokuqala yenyanga yakhe.
Ngonyaka ka-2017, inani eliyinhloko lezinzuzo ezivela kuzwelonke liye lafinyelela ku-$ 35.63, ngakho inkokhelo kaNksz Jones iye yafinyelela ku-$ 15.32 ngenyanga ($ 35.63 x 0.01 x 43 = $ 15.32). Uma uNksz Jones eqhubeka nepulani lakhe leCandelo D iminyaka eyishumi, isigwebo sakhe siyomkhokhela ngaphezu kuka-1800.00
Isibonelo sokuqala: UMnu. Smith akazange ajoyine uhlelo lweNgxenye D lapho eqala ukufaneleka (ngoJanuwari 15, 2010). Ujoyine uhlelo lwezidakamizwa lweMedricare ngesikhathi sokubhalisa ngonyaka ka-2010 (Novemba 15-Disemba 31, 2010), ukuze kube nokubhalisa okuphumelelayo kaJanuwari 1, 2011. Njengoba uMnu. Smith engajoyina lapho eqala ukufaneleka futhi engena ngaphandle kwesinye isidakamizwa esikweletu ukukhishwa kwezinyanga ezingu-11 (ngoFebhuwari 2010-Disemba 2010), wabekwa icala lokukhokhela u-$ 3.56 ngonyaka ka-2011 ($ 32.34 x.01 x 11 = $ 3.56) ngaphezu kwe-premium yakhe yenyanga.
Ngonyaka ka-2017, isigwebo sikaMnu Smith (esicabanga ukuthi usaqhubeka nokuhlinzekwa kwe-Medicare Part D) sikhulile ku-$ 3.92 ngenyanga, ngaphezu kwe-premium yakhe ye-premium ($ 35.63 x 0.01 x 11 = $ 3.92).
> Imithombo:
> Medicare.gov Ingxenye D Isijeziso sokubhalisa esilandelayo.
> Medicare.gov. Izikhathi Ezibalulekile Zokubhaliswa Uma Uthola Usizo Olwengeziwe.