I-Top 6 Amaphutha Abadala Abenza Uma Ifika Medicare Ukubhalisa

Bhalisa manje, Londoloza Imali Kamuva

Amaphrimiyamu, ama-deductibles, ama-copayments kanye no-coinsurance. Lezi zindleko ezilindelekile uma kuziwa kunoma yimuphi umshwalense wezempilo. I-Medicare ayifani.

Abantu abaningi abangalindelekile yizindleko ezengeziwe eziza noMedare, ikakhulukazi uma ubhalisa kakhulu kakhulu. I-Medicare Izingxenye A, B, no-D ngayinye inesethi sayo sezinhlawulo eziseduze . Izindleko kuwe zingahle zihlele noma yikuphi kusuka kwamakhulu kuya ezinkulungwaneni zamaRandi esikhathini sakho sokuphila. Kunamanye amaphutha amabi kakhulu akwenzayo lapho ubhalisela i-Medicare.

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Ucabanga ukuthi ukubhaliswa kwe-Medicare ku-Automatic

Uma usuvele uthola isheke lokuvikeleka kwezenhlalakahle uma uphendukela eminyakeni engu-65 ubudala, kungakhathaliseki ukuthi uyomhlalaphansi noma izinzuzo zokukhubazeka , uzobhaliswa ngokuzenzekelayo ku-Medicare Parts A no-B. Uma ungakakutholi izinzuzo zokuphepha kwezenhlalakahle, kufanele ubhalisele zonke izingxenye ze-Medicare ngokwakho.

Kunoma yikuphi, ungakhohlwa ukubhalisela i-Part D uma ufuna ukufakwa kwezidakamizwa ezidakamizwa. Lokhu ngeke kube yi-othomathikhi.

Ngesikhathi umhlalaphansi useneminyaka engama-65 ubudala, izinzuzo zezenhlalakahle nezomuthi zahambisana. Konke lokhu kushintshwe ngo-1983 ngeqoqo lezichibiyelo okwenyuka kancane kancane iminyaka ongathola ngayo izinzuzo ezigcwele Zokuphepha Komphakathi. Manje noma ubani ozelwe ngaphambi kuka-1937 ufanelekile eneminyaka engu-65 ubudala, futhi noma ubani ozalwa ngemva kuka-1960 ufanelekile eneminyaka engu-67 ubudala. Abantu abaningi bawela endaweni ethile, okusho ukuthi izinzuzo zabo zeMedricare ne-Social Security ngeke zivumelaniswe.

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Awubhalisi I-Medicare Uma Uvula 65

Kunezindlela ezimbili zokuba ufanelekile ku-Medicare. Esokuqala ngukukhubazeka okufanelekayo , enye ingu-age. Abaningi baseMelika bayakufanelekela ku-Medicare uma beba neminyaka engama-65 ubudala .

Ungabhalisa izinyanga ezintathu ngaphambi nangaphezulu ezinyangeni ezintathu emva kokuzalwa kwakho kwe-65. Uma ufaka inyanga yakho yokuzalwa, lokhu kukunika izinyanga eziyisikhombisa ezigcwele ukuze ubhalisele uhlelo.

Hlanganisa le Period Lokuqala Yokubhalisa futhi ungase ube ngechungechunge lwezinhlawulo eziseduze ze-Medicare Parts A, B, no-D. Lezi zijeziso zingakudla amakhulu amakhulu ezinkulungwane zamaRandi uma nje useMedare.

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Awubhalisi I-Medicare Ngoba Usasebenza

Abanye abantu bakholelwa ukuthi akudingeki babhalisele iMedarele kuze kube yilapho behlala khona futhi bengasakwazi ukufinyelela ohlelweni lwezempilo oluxhaswe ngumqashi. Phela, akekho ofuna ukukhokhela uhlelo olulodwa lwezempilo.

Ukukhetha kungaba lula kwabanye abantu kodwa ngokuqinisekile akuwona wonke umuntu. Konke kuncike ngobukhulu benkampani ekuqashile.

Uma inkampani osebenzayo yokuqashwa abasebenzi abangaphansi kuka-20, i-Medicare izodinga ukuba ubhalise ngesikhathi sokubhalisa sokuqala ngokususelwa ngosuku lwakho lokuzalwa lwesi-65. Lokhu kusho ukuthi uzoba nezinhlawulo eziseduze uma ulinda umhlalaphansi ukuze ubhalise.

Uma usebenzela inkampani eqashile abasebenzi abangaphezu kuka-20 esigcwele unyaka wonke, iMedare ivumela ukuthi ubambezele isikhathi sakho sokubhalisa sokuqala. Esikhundleni salokho, ungabhalisa ngesikhathi sokubhalisa okukhethekile esiqala usuku oshiya umsebenzi wakho noma ulahlekelwe ukuhlinzeka ngempilo yakho exhaswe ngumqashi, noma yikuphi okuza kuqala, futhi uhlala izinyanga eziyisishiyagalombili. Bhalisa ngemuva kwalokhu, futhi uzophoqeleka ukuthi ukhokhe lezo zijeziso eziseduze.

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Awubhalisi Uma Uyi-Overseas

Uma uhlala phesheya kwezilwandle, kuchazwa ngokuthi uhlala ezweni izinsuku ezingama-30 noma ngaphezulu ezilandelanayo, futhi uthola izinzuzo zezenhlalakahle ngokuzithandela, ungase ubhalise ngokuzenzakalelayo ku-Medicare Part A uma uvula iminyaka engu-65. Unomthwalo wemfanelo wokubhalisela izingxenye B noma D ngokwakho. Ukubhaliswa kweNgxenye B akulona othomathikhi njengalapho uhlala e-United States.

Ungase ukwazi ukuqoqa izinzuzo zokuvikeleka kwezenhlalakahle kuwo wonke amazwe.

Uma uhlala kwelinye lamazwe angaphandle, kuzodingeka uzibhalise kuNgxenye A futhi ukuze ugweme izinhlawulo eziseduze kusukela ukubhaliswa kwakho kungeke kube okuzenzakalelayo.

Ngokuthakazelisayo, ngeke ukwazi ukusebenzisa izinzuzo zakho zeMedare ngaphandle kwezwe . Kumelwe ubheke izinzuzo nezindleko zokukhokha amaphrimiyamu uma uhlala ngaphandle kwezwe ngokumelene nezinkokhelo zokukhokha uma ubhalisa esikhathini esizayo. Yikuphi okuzokubiza ngaphezulu kwesikhathi?

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Awubhalisi Ngenxa yokuthi Ungumdala

I-Veterans Health Administration (VA) inikeza izinzuzo zezempilo kulabo abakhonza empini yase-US. Ukunakekelwa kwamahhala kuhlinzekwa kubadlali base-Veterans abafanelekayo ezibhedlela ezikhethiwe ze-VA, emitholampilo nasezindaweni zokuhlala.

Ngeshwa, ukunakekelwa kwezempilo ku-VA kuye kwaba nesabelo sayo sezingxabano phakathi neminyaka, okukhulu kunayo okufinyelele kuyo futhi isikhathi eside sokulinda ukuze kuqashwe ama-VA.

Ngenhlanhla, ngo-2014, uMongameli u-Obama wabeka umthetho we-Veterans Access, Choice, kanye no-Accountability Act owavumela ama-veterans ukuba afinyelele ukunakekelwa ngaphandle kwalezo zakhiwo, ngo-2017, uMongameli Trump wanezela imali engu-$ 2.1 billion.

Ngenkathi i-VA ihlose ukwandisa izinketho zokunakekelwa, kungase kube nezikhathi lapho ungenayo isikhungo esivunyelwe i-VA. I-Medicare ingase inikezele ngokungeziwe ukuze uthole ukunakekelwa okudingayo.

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Awubhalisi Uma Uboshiwe

Ukunakekelwa kwezempilo oyitholayo ngesikhathi uboshiwe sekukhokhwa yi-system penalty, hhayi nge-Medicare. Lokhu akusho ukuthi kufanele weqa ukubhalisela i-Medicare uma ufaneleka.

Uma uthola izinzuzo ze-Social Security futhi uphendule iminyaka engu-65 ngenkathi uboshiwe, uzobhaliswa ngokuzenzekelayo ku-Medicare kodwa isikhathi siyizinto zonke. Ukuvikeleka Komphakathi kumisa izinzuzo zakho emva kwezinsuku ezingu-30 zokuboshwa.

Kungenzeka ukuthi awubhalisile ngokuzenzekelayo uma uboshwe kakhulu. Lokhu kusho ukuthi kuzodingeka uzibhalise noma ubhekane nezijeziso eziseduze uma usukhululiwe.

> Imithombo:

> Ngabe ngidinga izingxenye zemithi A ne B Uma Ngithola Ukunakekelwa Kwezempilo Kwami ku-VA? Umnyango we-US of Veterans Affairs website. https://iris.custhelp.com/app/answers/detail/a_id/553. Ibuyekezwe ngo-Mashi 15, 2013.

> Izinkokhelo Ngaphandle kwe-United States. Iwebhusayithi yokuPhatha kwezokuThuthukiswa komphakathi https://www.ssa.gov/international/payments_outsideUS.html.

> Umhlalaphansi womhlalaphansi: Umhlalaphansi ophelele. Iwebhusayithi yokuPhatha kwezokuThuthukiswa komphakathi https://www.ssa.gov/planners/retire/retirechart.html.

> Uhlelo lwezokuQinisa kwamaVeterans .Umnyango wezakwaVeterans Affairs. https://www.va.gov/opa/choiceact/. Kubuyekezwe u-Agasti 14, 2017.

Izwi kusuka

I-Medicare ayiyona mahhala. Amaphrimiyamu, ama-deductibles, ama-copayments kanye ne-coinsurance yingxenye yezinhlelo eziningi zezempilo. Nokho, izigwegwe eziphuthumayo, zingagwenywa. Ungavumeli ukunakekelwa kwezempilo kukulahle okungaphezu kokudingekile. Gwema lawa maphutha ajwayelekile futhi ulondoloze imali.