Wonke amaMelika aseMinyaka engu-65 noma asebekhulile ayakufanelekela i-Medicare
Cishe wonke umuntu waseMelika oneminyaka engama-65 noma ngaphezulu ufanelekile ku- Medicare , futhi cishe bonke bafanelekile kwi- Medicare Part A (umshuwalense wesibhedlela) ngaphandle kwama-premium.
Nokho, akuwona wonke umuntu oneminyaka engu-65 noma ngaphezulu ofuna ukuthola i-Medicare. Abanye abantu banomuzwa wokuthi baphoqeleka ku-Medicare abaneminyaka engu-65 ubudala ngokumelene nezifiso zabo siqu.
Kungani kunjalo?
Kungani Ngingamaqhinga Ekuguleni Kwemithi Ngesikhathi 65?
Uma wena noma oshade naye nisebenzela okungenani iminyaka engu-10 emsebenzini lapho izintela zeMedare zigcinwe khona (kufaka phakathi ukuziqasha lapho ukhokhela khona intela yakho siqu yokuqasha), uzokwazi ukuzitholela uMedare ngokuzenzakalelayo uma usuvula iminyaka engu-65.
Abafuduki bakamuva abakufanelekile ku-Medicare, kodwa uma sebebe izakhamuzi zomthetho unomphela iminyaka emihlanu futhi okungenani abaneminyaka engama-65, banenketho yokuthenga ukukhishwa kweMedare-ngokungafani nokuthola i-Medicare Part A mahhala-okuyiyona ndlela efanayo etholakale kwabakhileyo baseYurophu abahlala isikhathi eside, ngenxa yezizathu ezithile noma omunye, abanalo umlando womsebenzi owanikeza ukufinyelela kuM Medicare Part A (nakuba abantu abaningi bethola i-Medicare Part A ngaphandle kwama-premium, kubiza u-$ 422 / inyanga yabantu okufanele bayithenge ngoba banomlando omncane noma awukho umlando womsebenzi).
Labo abathola izinzuzo ze-Social Security babhalise ngokuzenzakalelayo ku-Medicare uma beba ngu-65.
Ayikho indlela yokuphuma ku-Medicare uma usu-65 uma uthola i-Social Security. Kungakhathaliseki ukuthi ubhalisa ku-Medicare Part A, noma ulahlekelwa izinzuzo zakho Zokuphepha Komphakathi. Iningi labantu alifuni ukulahlekelwa izinzuzo zabo zezokuThuthukiswa koMphakathi, ngakho-ke bamukele ukubhaliswa ku-Medicare. Qaphela ukuthi udinga kuphela ukwamukela i-Medicare Part A-engenazikhwama zamahhala uma uthola izinzuzo ze-Social Security-ukuze ugcine izinzuzo zakho Zokuphepha Komphakathi.
Uyavunyelwa ukuba unqabe i- Medicare Part B- ye-premium- uma ukhetha ukwenza kanjalo, noma ngabe ungaphansi kwesigwebo sokubhalisa sekwephuzile uma ukhetha ukubhalisa kwiNgxenye B ngosuku oluzayo.
Kukhona ukucabangela okuningi mayelana nokuthi kungani uhlelo luhlelwe ngale ndlela, kodwa ngeshwa, ayikho impendulo ecacile noma eqondile. Mhlawumbe le nqubomgomo yayisungulwe ekuqaleni ukwenza kube lula kubantu abadala ukuthi babhalise ku-Medicare uma befinyelela eminyakeni yobudala engama-65, kepha akakaze agweme lapho ukuthunyelwa kwangasese kwaba yindawo evamile kakhulu. Ukusakazwa kwangasese akuzange kusetshenziswe njengokujwayelekile njengamanje, okuzoshiya abantu abaningi asebekhulile ngaphandle kokunakekelwa kwezempilo. Lokhu kwaveza inkinga uma kungadingeki ukuthi badinga ukunakekelwa kwezempilo.
Kungakhathaliseki ukuthi uhlelo luhlelwe kanjani ngendlela, imithethonqubo yimiyalo, futhi ayikwazi ukushintsha esikhathini esizayo esiseduze.
Ukuqedwa koKuNcike kweNkampani ku-65
Uma ungakabi namashumi ayisishiyagalolunye namashumi ayisishiyagalolunye nanhlanu kodwa uma uthatha umhlalaphansi futhi uthola izinzuzo zezempilo zokuthatha umhlalaphansi kusukela kumqashi wakho wangaphambili, qiniseka ukuthi uyazi ngemithetho yomqashi mayelana neMedare. Abanye abaqashi abaqhubeki ukuhlinzeka ngempilo yokuthatha umhlalaphansi abasebenzi basebevele bebeneminyaka engu-65, bekhetha esikhundleni sokuthatha umhlalaphansi ekushintsheni ukuze bahlolwe kuphela yi-Medicare.
Ngaphandle kokwaziswa okuvela enkampanini yakho, udinga i-Medicare ukuqinisekisa ukuthi uhlanganiswe ngezinkinga ezingase zivele ngokuguga.
Ezinye izinkampani ngeke ziqede ngokuphelele umuntu oneminyaka engama-65, kodwa esikhundleni salokhu ziqhubeke zinikeza izinzuzo zokuthatha umhlalaphansi ezengeziwe, ezingasetshenziswa ngokubambisana no-Medicare (zingase zidinge ukuba ubhalise kokubili i-Medicare Part A neNgxenye B ukuze zithola izinzuzo ezigcwele-njengokufakwa kwesibili-kusukela ohlelweni lokuphumula lokuthatha umhlalaphansi). Izindleko zezempilo ezisekela umhlalaphansi zingase zibandakanye ukutholakala kwezidakamizwa ezidayiswayo (okungahlanganiswa ne-Medicare njalo, kodwa kungathengwa nge- Medicare Part D uma ungenayo ukufinyelela ekuhlinzekeni okuxhaswe ngumqashi), ukuvakashelwa udokotela, kanye nezinye iziguli eziphuthumayo ukunakekelwa.
I-Medicare iyoba yingqalasizinda yakho eyinhloko uma uhlanganiswa ngaphansi kwepulani lempilo yokuthatha umhlalaphansi, necebo elihlinzekwa ngumqashi wakho wangaphambili osebenza njengomsebenzi wesibili.
Uma unokuthengwa kwemakethe ngakunye, uthengiwe nge-exchange noma ngaphandle kwezokushintshaniswa, kuzodingeka uthintane ne-exchange noma umshwalense wakho ukuba ucele ukukhansela ukukhokhelwa kwakho uma usuphendukela ku-Medicare. Ngaphambi kwe-ACA, abaqinisekisi bemakethe ngabanye ngeke baqiniseke umuntu oneminyaka engu-64 ubudala, ngakho-ke izinhlelo zaqedwa ngokuzenzakalelayo lapho abantu bephendukela eminyakeni engama-65. Lokhu akusekho, ngakho-ke ababhalisile kudingeka baqiniseke ukuthi bakhansela umakethe wabo ngamunye ukumbozwa lapho beshintshela ku-Medicare.
Akukho mthetho othi kufanele uphonsa uhlelo lwakho lomakethe ngamunye uma ubhalisa ku-Medicare, nakuba ngokuvamile kungenasizathu sokugcina uhlelo lomakethe ngamunye emva kokubhalisa ku-Medicare. Futhi uma uthola uxhasomali lwe-premium ukuze uqede ezinye zezindleko zecebo lakho lomakethe ngalinye, lokho kuzophela uma uvula iminyaka engu-65.
> Imithombo:
> Amasevisi e-Medicare naseMedicaid Services. Imibuzo Ebuzwa Ngokuphindaphindiwe Ngokuphathelene Nemithi NeMakethe . Agasti 1, 2014.
> Medicare.gov. I-Medicare Izindleko Zika-2018 Esikhazimulayo.
> Medicare.gov. Ingxenye B Isijeziso sokubhalisa esifushane.
> Medicare.gov. Umshuwalense wokuthatha umhlalaphansi.
> Medicare.gov. Bhalisa / Shintsha Amalungiselelo.