Uma i-Medicine yaseMveli ingekho
Akekho ofuna ukubanjwa ngesivunguvungu sezindleko zephaketheni. Esikhundleni salokho, sifuna ukunakekelwa kwezempilo kwethukwe ngaphansi kwesambulela esisodwa. Elula, enhle, futhi elula.
Wenzani uma uhlelo lwakho lomshuwalense luzofihla zonke izinsizakalo ozidingayo? Lokhu kuyinkinga abaningi baseMelika ababhekana nayo uma befanelekile ku-Medicare . Ungase uthande ukucabangela isu lokubheka okwengeziwe uma futhi uma udinga.
Lokho kungasho ukuthatha isinqumo phakathi kohlelo lwe-Medicare Advantage kanye nohlelo lokuxhaswa kwe-Medigap.
Izinketho Zakho ZikaMithathu Zezokwelapha
I-Medicare yokuqala yiyona ndlela engabizi kakhulu ye-Medicare. Inkinga yashiya igebe elikhulu ekubhekaneni nezinsizakalo eziningi abantu abadala abakudinga ngenkathi bekhula, kufaka hlangana ukufakwa kwemilensi yokulungisa (contact lens noma izibuko), amazinyo , nezinsiza zokuzwa. Ungakhetha ukukhokha lezo zindleko ephaketheni noma ungafuna ezinye izinto zokugcina ukuze ugcine izindleko zakho phansi.
Ukuze wenze lokho, ungase uthenge uhlelo lokuxhaswa lwe-Medigap lokusebenzisa nge-Your Medicare coverage, noma ungakhetha olunye uhlobo lweMithi ye-Medicare ngokuphelele, uhlelo lwe- Medicare Advantage .
Empeleni, unezinqumo ezintathu:
- Imithi yokuqala ( izingxenye A no-B ) yedwa
- I-Medicare yokuqala ngecebo le-Medigap
- Uhlelo lwe-Medicare Advantage (Ingxenye C)
* Ungafaka isabelo se-Part D sokubhalisa kunoma yikuphi kwalezi zimo.
Ngaphambi kokwenza isinqumo, yazi ukuthi izinzuzo nezindleko zikhona ngayinye yalezi zinketho.
Izinzuzo zokukhetha uhlelo lwe-Medicare Advantage Plan
Izinhlelo ze-Medicare Advantage ziyingxenye C ye-Medicare. Unenketho yokukhetha noma i-Original Medicare noma uhlelo lwe-Medicare Advantage, hhayi kokubili. Ngo-2017, izigidi ezingama-19 zaseMelika, amaphesenti angu-33 alabo aseMedare, baye bakhetha izinhlelo zeMedare Advantage.
Nazi izizathu ezenza.
- Izinsizakalo ezingaphezulu. I-Medicare Advantage ihlela amaphuzu athile okuhlanganisa konke okushiwo yi-Original Medicare. Lokhu kuyimfuneko ebekwe nguhulumeni. Kuye ngohlelo oluthize lwe-Medicare Advantage oyikhethayo, ungase ukwazi ukwengeza ukuhlinzekwa kwezinsizakalo ezingahlanganiswa ne-Original Medicare.
- Izinhlelo eziningi ezengeziwe. Uma udinga ukuthengiswa kwezidakamizwa ezidakamizwa , kuzodingeka uthenge uhlelo lwe- Part D ngaphezu kweMithi Yempilo. Amalungiselelo amaningi e-Medicare Advantage ahlanganisa ukufakwa kweNgxenye D. Lokhu kwenza izinto kube lula kuwe kuphela ukuthi ubhalisele uhlelo olulodwa. Futhi kunciphisa inani lama-premium oyokhokha inyanga ngayinye.
Izinkinga zokukhetha uhlelo lwe-Medicare Advantage Plan
Njengoba kubonakala sengathi uhlelo lwe-Medicare Advantage lungase lubonakale, lunezinkinga. Cabanga ngalokhu ngaphambi kokuba ukhethe.
- Inethiwekhi encane yabahlinzeki. Uzoba nenethiwekhi encane yabahlinzeki abangakhetha kuzo kunaphansi kwe-Original Medicare. Lokhu kungenxa yokuthi akuwona wonke ama-Medicare abahlinzeki abahlanganyele emisebenzini ye-Medicare Advantage. Lokhu kungenza kube nzima ukuthola ukunakekelwa ezimweni ezithile.
- Ukugijima ngamabhizinisi omshwalense wangasese. Izindleko ze-premium zizohluka ngokususelwa kwindlela oyikhetha ngayo futhi inkampani okuthengayo kuyo. Lokhu kusho ukuthi uzodingeka wenze ucwaningo futhi uthenge nxazonke ukuze uthole ukuthengiswa okuhle. Uhulumeni akaqondisi ukuthi ingakanani inkampani yomshuwalense engakukhokhisa ama-premium noma ezinye izindleko ezingekho esikhwameni.
Uyini uhlelo lwe-Insurance Medalap Supplemental?
Uma ukhetha ukuhlala ne-Original Medicare, ungathenga uhlelo lokuxhaswa lwe-Medigap ukuze usize ukukhokha izikweletu zakho ze-Medicare . Ukuze kucace, izinhlelo ze-Medigap azihlanganisi izinsizakalo zezokwelapha. Lokho abakwenzayo kunciphisa izindleko zokuthi ama-Original Medicare ashiya etafuleni, izindleko ezinjengezinkampani ezidonswayo, ukuqinisekiswa kwezimali kanye nokukhokhwa kwemali.
Awunayo uhlelo lokuxhaswa nge-Medigap ngecebo le-Medicare Advantage. Kumele wenze ukukhetha - kubaluleke kakhulu ukuthi uthole ukuhlinzekwa okwengeziwe kwezokwelapha noma ama-deductibles abizayo namakhophi?
Izinhlelo ze-Medigap zibizwa ngokuthi i-A ngokusebenzisa i-N. Zikhokha izindleko zakho zokukhishwa kwezindleko, ukuxhaswa ngokukhethekile, ukukhokhelwa kwemali, ukukhokhelwa kwemali kanye nezindleko zokuhamba kwamanye amazwe.
Qaphela ukuthi ama-E, H, I, nama-J awusatholakali.
Ngokufanayo namalungiselelo e-Medicare Advantage, ama-Medigap amapulani anikezwa izinkampani zomshuwalense wangasese kodwa iziqondiso zombuso zichaza ukuthi kumele zifake kuphi. Yonke icebo elihlongoziwe lizoba nombukiso ofanayo, okusho ukuthi uhlelo lwe-F luhlelo lwe-F nomaphi lapho uthenga khona. Uzodinga ukuthenga kuzungeze amazinga aphezulu.
(Dis) Izinzuzo ze-Medicap Supplement Plans Insurance Plans
Izinhlelo ze-Medigap zinikeza ukuguquguquka. Ungakhetha uhlelo oluncane noma olubanzi olusekelwe ezidingweni zakho ngenkathi uqhubeka nokufinyelela kunethiwekhi enkulu yabahlinzeki beMedare ukuthi ngeke ukwazi ukufinyelela ngaphansi kwe-Medicare Advantage.
Umbuzo ozozibuza ukuthi ngabe izindleko zamaprimiyamu wenyanga zifanele yini noma zifanele inani elizoligcina ezindleko ze-Original Medicare.
Ingxenye ekhohlisayo mayelana nezinhlelo ze-Medigap ukuthi zingakubiza kakhulu uma unesimo esandulele . Isikhathi yisikhathi, futhi uma ulahlekelwa isikhathi esivulekile sokubhalisa, inkampani yomshuwalense inesandla sokuthi ingakukhokhisa kangakanani. Ukuze uthole isilinganiso esingathinteki yizimo ezandulele, udinga ukungena ngemvume kwindiza encane yesikhathi esisodwa eqala uma ubhalisela kuqala Ingxenye B bese uphela izinyanga eziyisithupha kamuva.
*** Qinisekisa ukuthi ungangqubuzana nomshuwalense wokuxhaswa nomshuwalense wesibili. Amagama azwakala afana. Umshuwalense wesibili usho ukuthi unenye uhlelo lwezempilo oluzokhokhela izinsizakalo zokunakekelwa kwezempilo, okungukuthi, uhlelo lwezempilo oluxhaswe ngumqashi, izinzuzo zomhlalaphansi, noma izinzuzo ze-VA. Uhlelo lwe-Medigap alufaki izinsizakalo zezempilo ezengeziwe noma ukuhlanganisa.
Izwi kusuka
Wonke umuntu unezidingo ezahlukene. Nguwe kuphela owazi ukuthi udinga kangakanani ngokomzimba nokuthi uzokwazi yini ukukhokhela. Cabanga ngokucophelela ukuthi yikuphi okukhethayo okwenza kube lula kakhulu ngesimo sakho. Kumele uthathe isinqumo sokuthi uzosindisa imali eningi ngokukhetha uhlelo lwe-Medicare Advantage oluhlinzeka ngamasevisi amaningi noma uhlelo lokuxhaswa lwe-Medigap elinciphisa izindleko ze-Original Medicare.
> Imithombo:
> Jacobson G, Damico A, Neuman T, Gold M. Medicare Advantage 2017 Okubalulekile: Ukuvuselelwa Kwemakethe Yokubhalisa. Iwebhusayithi kaHenry J. Kaiser Family Foundation. Ishicilelwe ngo-Juni 7, 2017.
> Medicare Inzuzo. Iwebhusayithi kaHenry J. Kaiser Family Foundation. http://www.kff.org/medicare/fact-sheet/medicare-advantage/. Ishicilelwe ngoMeyi 11, 2016.
> Iyini i-Medicare Supplement Insurance (Medigap)? Iwebhusayithi ye-Medicare.gov. https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html.