Ukubhalisa Okuvulekile Akuyona Yakho Inkokhelo Yakho kuphela
Ukuthatha uhlelo lwe-Medicare kufana nokudlala i-chess. Udlala ukuze unqobe, kulokhu, ukuze uthole ukunakekelwa kwempilo okungabizi kahle. Lokhu akusho ukuthi uzokwenza njalo ukukhetha okuhle endleleni. Izindaba ezinhle uhlale unethuba lokushintsha isu lakho lapho ukujika kwakho okulandelayo kufika. Sebenzisa ngokunenzuzo lezi zikhathi zokubhalisa ukuze ukhethe uhlelo olungcono lwe-Medicare.
Isikhathi sokubhalisa se-Medicare sika-Open
Isikhathi sokuBhaliswa Okuvulekile yisikhathi esisodwa njalo ngonyaka lapho wonke umuntu engashintsha uhlelo lwakhe lweMedare. Kusukela ngo-Okthoba 15 kuya kuDisemba 7, Ukubhaliswa Okuvulekile kukuvumela ukuba:
- Shintsha kusuka kwi-Medicare yase-Original kuya kwi-Medicare Advantage noma ngaphandle kokungena kweDeveli D noma ngaphandle kwalokho
- Shintsha phakathi kwama-Medicare Advantage amapulani noma ngaphandle kokufakwa kwezidakamizwa ze-Part D
- Shintsha phakathi kwezinhlelo ze-Medicare Part D
Uma kunjalo, kungase kube nezinye izikhathi phakathi nonyaka oyofuna ukushintsha uhlelo lwakho lweMedare. Kunezinhlobo zezikhathi ezikhethekile zokubhalisa okudingeka wazi ngakho.
Izikhathi Ezibalulekile Zokubhaliswa Ngokusekelwe Kweminye Izinhlelo Zempilo
Ungase ufaneleke ku-Medicare ngaphezu kwezinye izinhlelo zokunakekelwa kwezempilo. Uma kunjalo, ungase ube nezinkathi ezithile zokubhalisa ezikhethekile kuwe.
- Usizo olwengeziwe. Lolu hlelo lwe- Medicare Savings lusiza ukukhokhela izindleko zeNgxenye D njengama-copayments, deductibles, nama-premiums . Kuye ngezinga lakho lokuhola, izindleko zakho zingancipha noma zikhululeke. Uma ufanelekile ohlelweni losizo olwengeziwe, ukhululekile ukwenza izinguquko zezinhlelo ze-Medicare nganoma yisiphi isikhathi. Kodwa-ke, uma ulahlekelwa ukufaneleka kuloluhlelo, isikhathi sakho sokubhalisa esikhethekile sokushintsha izinhlelo sisukela ngoJanuwari 1 kuya ku-Mashi 31 kuphela.
- I-Medicaid. Nakuba i-Medicare uhlelo oluhloselwe ukunakekelwa asebekhulile nabakhubazekile , i- Medicaid ihlose ukunakekela labo abanemali ephansi. Abantu bangase bafaneleke kokubili iMedicaid and Medicare. Ukufaneleka kokubili kunikeza ithuba lokushintsha phakathi kwama-Medicare izinhlelo nganoma yisiphi isikhathi ngesikhathi sokubhalisa kwakho. Ukulahlekelwa ukufaneleka kwe-Medicaid kukushiya isikhathi seNyanga YokuBhaliswa Okukhethekile sezinyanga ezimbili ukushintsha izinhlelo.
- Uhlelo Lokunakekelwa Konke Kuhlanganisa Abadala (PACE). Loluhlelo lwezempilo luhlinzekwa kubantu abaneminyaka engama-55 nangaphezulu abafanelekayo njengabadinga ukunakekelwa kwekhaya lokuhlengikaza. Njengoba i-PACE inikeza ukuthengiswa kwezidakamizwa ezikhokhelwayo , okusho ukuthi, ukuhlinzekwa okufana nokuhlelwa kwe-Medicare Part D, akudingeki ukuthi udinga usizo lwezidakamizwa. Ungakwazi ukukhansela i-Medicare Advantage yakho noma izinhlelo ze-Part D nganoma yisiphi isikhathi. Uma ushiya i-PACE nganoma yisiphi isizathu, unezinyanga ezimbili ukuphinde ubhalise kunoma yiluphi uhlelo.
- Uhlelo lwe-State Assistance Assistance Program (SPAP). Ngesikhathi uhulumeni wesifundazwe ehlinzeka ngosizo olwengeziwe, izifundazwe ngabanye zinikeza izinhlelo zabo zokulondoloza izidakamizwa zemithi. Ungashintsha ohlelweni lweMedricare olunikeza ukuthengiswa kwezidakamizwa ngezikhathi ezithile ngonyaka ngamunye wekhalenda uma ufaneleka kwelinye lala ma-SPAP.
- TRICARE noma izinzuzo ze-Veteran. Siyabonga ngesevisi yakho. Uma ufaneleka ukuthola ukunakekelwa kwezempilo okusekelwe enkonzweni yempi, uzonikezwa ukufinyelela kokuthengiswa kwezidakamizwa ezikweletwayo. Ukhululekile ukukhansela i-Medicare Advantage noma uhlelo lwe-Part D nganoma yisiphi isikhathi ngaphandle kwesijeziso.
Izikhathi Ezibalulekile Zokubhalisa Ngokusekelwe Ezinguquko Kumuthi Wakho Wezokwelapha noma Ezinye Izinhlelo Zempilo
Izinguquko kumsebenzi wakho we-Medicare zingase zingekho ekulawuleni kwakho. Uma uzithola kunoma yikuphi kwalezi zimo, ungase ufanelekele Isikhathi Esibalulekile Sokubhalisa.
- Uhulumeni wesifundazwe usula isivumelwano sakhe nomshwalense wakho. Ungashintsha izinhlelo eziqala ezinyangeni ezimbili ngaphambi futhi uqede inyanga eyodwa ngemva kokuphela kwenkontileka.
- Ulahlekelwa ukukhishwa kwezidakamizwa ezikweleta. Kungakhathaliseki ukuthi uneluhlelo oluxhaswe ngumqashi, izinzuzo zezinyunyana, noma olunye uhlelo lwezempilo, udinga ukwaziswa uma lolo hlelo luhlinzeka ngemali ekhokhelwa izidakamizwa. Uma nganoma yisiphi isizathu, lolu hlelo alukutshelisi kahle ngalokhu noma uma lushintsha ukufakwa kwabo ukuze ukusabalala kwabo kungabe kungasesikweletu, unezinyanga ezimbili ukushintsha izinhlelo zikaMedare.
- Ulahlekelwa ukufinyelela kwezempilo kwenye uhlelo. Ungashintsha uhlelo lwakho lwe-Medicare zingakapheli izinyanga ezimbili uma ulahlekelwa ukufinyelela kwezinye ukuhlinzeka ngezempilo, okubandakanya izinzuzo ze-COBRA, izinhlelo zezempilo ezixhaswe ngumqashi, izinzuzo zempi, noma izinzuzo zezinyunyana.
- Ufuna ukubhalisa ku-Five-Star Plan. Uma kukhona i- Five-Star Medicare Advantage noma uhlelo lwe-Part D endaweni yakho, ungabhalisela noma nini noma nini kusukela ngo-Disemba 8 bese uphela ngoNovemba 30.
- Uhlelo lwakho lomshuwalense aluvuseleli uhlelo lwakho lwe-Medicare ngonyaka ozayo. Ungashintsha uhlelo lwakho kusukela ngoDisemba 8 kuya kuFebruwari 28/29.
Izikhathi Ezibalulekile Zokubhaliswa Ngokusekelwe Kuphi Uhlala Kuzo
Ngokungafani ne-Medicare yase-Original ( Ingxenye A neNgxenye B ) ehlinzekela ukufana okufanayo nomaphi lapho uhlala khona ezweni, ama-Medicare Advantage ne-Part D izinhlelo zigijima kwinethiwekhi yendawo. Ukuhamba kungashintsha indawo yakho yesevisi ye-Medicare, okwenza isidingo sokushintsha izinhlelo.
Unikezwa Izikhathi Ezibalulekile Zokubhalisa ukuze ushintshe izinhlelo ezimweni ezilandelayo:
- Ungena noma uphume esikhungweni sokunakekela abanekhono noma esibhedlela sokunakekelwa isikhathi eside. Ngesikhathi uhlala esikhungweni, ungashintsha izinhlelo nganoma yisiphi isikhathi. Uma ushiya leso sakhiwo, unezinyanga ezimbili ukushintsha izinhlelo.
- Uthuthela ekhelini le-US ngaphandle kwenethiwekhi yakho yamanje noma uhambele ekhelini le-US ngaphakathi kwenethiwekhi yakho yamanje kodwa lapho okukhethwa kukho okungeziwe kuyatholakala manje. Isikhathi sakho sokubhalisa esikhethekile sincike lapho uzisa uhlelo lwakho mayelana nokuhamba kwakho. Uma ubatshela ngaphambi kokuthi uhambe, ungashintsha amapulani inyanga eyodwa ngaphambi nangaphezulu izinyanga ezimbili ngemuva kokushintsha kwekheli lakho. Uma ubatshela ngemuva kokuhamba kwakho, unikezwa inyanga owazisa yona kanye nezinyanga ezimbili kamuva ukwenza ushintsho.
Kungase kube nezinye izikhathi lapho ubhalisile ku-Medicare kodwa akakwazi ukusebenzisa inzuzo. Izinketho zakho zokuhlela zingashintsha ngesikhathi uthola ithuba lokusebenzisa i-Medicare.
Unikezwa isikhathi esiyizinyanga ezimbili sokubhalisa okukhethekile ukuze ushintshe izinhlelo ezimweni ezilandelayo:
- Ukhululiwe ejele. I-Medicare ayikhokhisi ukunakekelwa okutholiwe ngesikhathi eboshiwe, ngisho noma ubhalisile ngokugcwele ohlelweni. Esikhundleni salokho, uhlelo lwesigwebo lufaka isikweletu.
- Ubuyela emuva e-United States ngemuva kokuhlala kwelinye izwe. I-Medicare ayikhokheli ukunakekelwa emazweni angaphandle , ngaphandle kwezimo ezingavamile futhi ngokuvamile kuphela eziphuthumayo.
Lokhu akusho ukuthi akufanele ukhokhe amaprimiyamu akho e-Medicare uma uhlala ngaphandle kwezwe noma uma kwenzeka uboshiwe. Ukungakhokhisi amaphrimiyamu akho kuzoholela ekususweni kwakho ohlelweni lweMedare, ekushiye ngaphandle kokukhethwa kwezempilo uma ubuyela e-United States noma uma ukhishwa ejele.
Izwi kusuka
Ukubhalisa okuvulekile akuyona kuphela isikhathi ongashintsha izinhlelo ze-Medicare phakathi nonyaka. Kukhona inani lezinsuku zokubhalisa ezikhethekile ongazisebenzisa ngokuncike ekuguqulweni kwepulani lakho lamanje lamanzi, ngokufaneleka kwakho kwezinye izinhlelo zokunakekela impilo, ngisho nalapho uhlala khona. Yazi amalungelo akho bese usebenzisa la mathuba ukukhetha uhlelo oluhlangabezana nezidingo zakho.
> Imithombo:
> PACE. Medicare.gov. https://www.medicare.gov/your-medicare-costs/help-paying-costs/pace/pace.html.
> Izimo ezikhethekile (Izikhathi Ezibalulekile Zokubhalisa). Medicare.gov. https://www.medicare.gov/sign-up-change-plans/when-can-i-join-a-health-or-drug-plan/special-circumstances/join-plan-special-circumstances.html.
> Izinhlelo zosizo zoMnyango wezoMithi. Medicare.gov. https://www.medicare.gov/pharmaceutical-assistance-program/state-programs.aspx.
> Iziphi Iziboshwa Ezidinga Ukuzi . Iwebhusayithi yokuPhatha kwezokuThuthukiswa komphakathi https://www.ssa.gov/pubs/EN-05-10133.pdf.