Thola i-Medicare Plan Ekulungele Wena
I-Medicare Ukubhaliswa Okuvulekile , okwenzeka kusukela ngo-Okthoba 15 kuya kuDisemba 7 njalo ngonyaka, yisikhathi esiphelele sokuyeka nokuzindla ngempilo yakho. Zibuze le mibuzo emihlanu elula futhi ungase ukwazi kangcono ukuthola uhlelo lwe-Medicare olusebenza kahle kuwe.
1. Ingabe impilo yakho yashintsha ngonyaka odlule?
Uma usanda kutholakala ukuthi unesimo sezokwelapha, ungase udinge ukubhekwa kwezempilo ngaphezulu.
Ingabe ukuvakasha odokotela abaningi kuzodingeka ngonyaka odlule? Umsebenzi omkhulu wegazi nokuhlolwa? Imithi eminingi? Kulesi simo, ungase uthande ukucubungula uhlelo olubanzi lweMedricare oluhlanganisa zonke lezi zindlela. Kufanele ukhulume nomhlinzeki wakho wezokunakekela impilo ukuze uxoxe ngesimo sakho sezokwelapha kanye nokulindela okunengqondo konyaka ozayo.
2. Ubuye ubuyekeze ifomu leSaziso sokuThuthukiswa konyaka kusukela ohlelweni lwakho lwamanje lwe-Medicare Advantage noma i-Part D?
Uhlelo lwakho lwamanje lwe-Medicare lungenza izinguquko ngonyaka ozayo. Loluhlelo luyadingeka ukukuthumelela isaziso esisemthethweni esichazela lezo zinguquko.
Ngokuvamile uzokwamukela ifomu leSaziso sokuThuthukiswa konyaka ngoSepthemba. Ama-premium noma ama-deductibles anganda. Izinsizakalo zingadliwa noma zengezwe. Uma unesidingo seNgxenye D, i- formulary yezokwelapha ingashintsha, kungenzeka ukuthi ayisekho yonke imithi oyithathayo . Ngalokhu kuguqulwa, uhlelo lwakho lungase lungabi nanjengoba lusezindleko kuwe njengalokhu lube unyaka odlule.
Kuyafaneleka ukuthatha isikhathi ukuthenga nxazonke uhlelo oluzosebenza kangcono kuwe.
3. Usebenzise imali engakanani empilweni yezempilo ngonyaka odlule?
Izindleko zakho zezempilo ezedlule zingakunikeza isilinganiso sokuthi ungayisebenzisa kangakanani ngonyaka ozayo.
Konke okudingayo izibalo ezilula. Yengeza yonke imisebenzi yakho yokunakekelwa kwezempilo ngonyaka odlule.
Lokhu kufaka phakathi izindleko zama-premium, ama-deductibles, ama-copayments, u-coinsurance, kanye nanoma yiziphi ezinye izindleko zezindleko . Uma uzizwa lezi zindleko bezingenakunakekelwa noma zingakwazi ukuphathwa kahle ngonyaka odlule, kufanele uzame ukuthola uhlelo olusiza ukuhlawula imali ngezansi lezo izindleko. Ngeshwa, ngenxa yentengo yokukhuphuka kwemali kanye nokwenyuka kwentengo yonyaka ngezinkampani zomshuwalense, izindleko zakho zangempela cishe ziphakeme kakhulu kunalesi sikali. Kungakhathaliseki ukuthi, lokhu kuyindawo ebalulekile ukuqala.
4. Ingabe udinga izinsizakalo ezengeziwe zokunakekelwa kwezempilo kunalokho okushiwo yi-Original Medicare?
Ungase umangale ukuthi yikuphi i-Original Medicare ( Ingxenye A neNgxenye B ) ayifuni.
I-Medicare yangempela ayihlanganisi amalensi okulungisa (ama-eyeglass noma ama-lenses oxhumana nabo), amazinyo, ama-hearing aid, noma ngisho namagundane amhlophe ezimpumputhe. Kuzodingeka ukhokhele ephaketheni ukuhlolwa kwamazinyo, ukuzwa kanye nokuhlolwa kwembono. Ungase ushiywe ukukhokhela ukunakekelwa kwezempilo ngesikhathi sokuhamba kwamanye amazwe futhi. Uhlelo lwe-Medicare Benevantage lunganikeza ukunikezelwa okunwetshiwe, okuhlinzeka ngamasevisi amaningi okudingayo. Uma ulindele isidingo esithile sezokwelapha esingahlanganiswa ngaphansi kosizo lwe-Original Medicare, ungase ufune ukuphenya ukuthi uhlelo lweMedric Advantage lunganikeza.
5. Uthola kanjani uhlelo lwe-Medicare lwekhwalithi?
I-Medicare isungule isimiso sokulinganisela izinkanyezi ezinhlanu zeMedare Advantage ne-Part D. Ezinhlanu zingcono kakhulu; enye yimbi kakhulu.
Isilinganiso esinezinkanyezi ezinhlanu sibheka ukusebenza kwamakhasimende, izikhalazo zamalungu, kanye nolwazi lwamalunga ngecebo, kufaka phakathi noma ngabe amalungu angakhetha ukuhlala necebo. Emiphakathini ye-Medicare Advantage, izophinde ihlole iminikelo yokunakekelwa kokuvikela, ukuhlola ukuhlola nokugoma, nokuthi uhlelo lusiza kanjani ukuphatha izimo ezingelapheki zezokwelapha. Uma uhlelo lunezinga eliphansi lezinkanyezi, kungase kuphazamise ukubhekana nale nkampani yomshuwalense uma kufika isikhathi sokukhokha izinsizakalo zakho. Kumele ulinganise okubaluleke kakhulu kuwe, uhlelo olubi kakhulu noma uhlelo oluphakeme olulinganisiwe. Ngethemba ukuthi ungathola uhlelo oluhlangabezana nezi zombili lezi zidingo.
Izwi kusuka
I-Medicare Ukubhaliswa Okuvulekile kungaba yisikhathi esididekayo kubantu abaningi. Ngezinketho eziningi, kungaba nzima ukwazi ukuthi ungaphi. Zibuze le mibuzo elula ukuze ubone ukuthi uhlelo lwakho lwamanje luzohlangabezana nezidingo zakho ngonyaka ozayo, futhi wenze ucwaningo ukuze ubone ukuthi elinye uhlelo lungaba ngcono yini.