Uma ungumeluleki weMedare, omunye wemisebenzi edidayo kakhulu futhi enzima ukhetha ukuthi yikuphi uhlelo lweMedare Part D olufanele kuwe. Izinsiza ezilandelayo kufanele zikusize ukuthi uqonde kangcono indlela uhlelo lweMedarethi olusebenza ngayo nokuthi ungathola yini usizo uma unenkinga yokukhokha imithi yakho.
Enye yezinsiza eziwusizo kunazo zonke kwi-intanethi yiwebhusayithi ye-Medicare, okukuvumela ukuba uqhathanise izinhlelo zokudinga izidakamizwa, ufunde ngezinhlelo ezinikezwa kuhulumeni ngamunye, ubuke i-formulary ngayinye yepulani, futhi ulandele isikhalazo namafomu okungafani.
Uma ufaneleka kuM Medicare, ungakhetha uhlelo bese ubhalisa ku-inthanethi. Ungathola ulwazi olufanayo ngokubiza u-Medicare usizo line ngo-1-800-633-4227.
Okudingeka Ukwazi Uma Ukhetha Isu
Ukuze unciphise izinketho zakho bese ukhetha uhlelo oluhle lwezidingo zakho, cabangela lokhu okulandelayo:
- Ingabe imithi yami ku-formulary ye-drug plan?
- Ingabe ikhemisi yami kuhlelo lomuthi wezidakamizwa?
- Idiza lemithi lizolahlekelwa malini?
Uma uya ku-Medicare.gov, sebenzisa i-Medicare Plan Finder ukucinga nokuqhathanisa izinketho zokufaka ezitholakalayo endaweni yakho. Ukucinga kohlelo jikelele kubandakanya kuphela ikhodi yakho ye-zip. Ukuze wenze ngokuzenzakalelayo ukusesha kwakho, faka i-zip yakho futhi ugcwalise ulwazi lweMedare.
I-Medicare Plan Finder iyithuluzi elikusiza ukucinga futhi uqhathanise izinketho zakho ezitholakalayo. Ithuluzi kulula ukuyisebenzisa - konke okudingayo ikhodi yakho ye-zip, igama lekhemisi oyisebenzisayo, kanye nohlu lwemithi yakho yesiguli.
Ngemuva kokuthi ufaka ulwazi, ithuluzi lenza uhlu lwezinhlelo ze-Part D ngokuvumelana nezindleko, kufaka phakathi i- premium yepulani kanye nezindleko ezingaphandle kwezimoto zakho.
Isibonelo: UMnu Jones uthatha imishanguzo emihlanu yemithi-igama elilodwa elibizayo lomuthi, nemithi emine. Lapho esebenzisa i-Medicare Plan Finder, wanikezwa ukhetho lokuhlelwa kwezidakamizwa ezingu-31 ngebanga elibaluleke kakhulu emalini eyalinganiselwa ngonyaka.
Eqinisweni, izidakamizwa zithengisa u-$ 1,671 $ 4,489 ngowezi-2017. Futhi, uhlelo lokusebenzisa izindleko eziphansi kakhulu lwezidakamizwa lunenyanga eyi-$ 17.50 kanti uhlelo olubiza kakhulu lunenyanga eyi-$ 75.30 ngenyanga.
Amanye amathiphu
Uma uthola izinhlelo ezithile ezingahle zifinyelele, ungafinyelela ulwazi olwengeziwe mayelana nokuthi uhlelo lusebenza kanjani nokuthi izindleko zibalwa kanjani. Futhi, ungabhalisa ku-intanethi kusayithi le-Medicare.
Vula ukubhaliswa kwe-Medicare Part D kugijima kusukela ngo-Okthoba 15 kuya kuDisemba 7 ngonyaka, futhi uhlele izinguquko ozenzayo ngaleso sikhathi kuzoqala ukusebenza ngoJanuwari 1 wonyaka ozayo. Ukubhalisa ngokushesha ngangokunokwenzeka ngesikhathi sokubhalisa kuqinisekisa ukuthi uhlelo lwakho olusha lwe-Part D lungathumela izinto zakho zokuhlela ngaphambi kukaJanuwari 1, okukuvumela ukuthi usebenzise ukufaka kwakho ngaphandle kokulibala.
Futhi, uma usanda ku-Medicare, uzofuna ukubhalisa ohlelweni lwe-Part D ngokushesha uma ufanelekile ku-Medicare, ngisho noma okwamanje ungathathi imithi. Uma ungenalo (futhi ucabanga ukuthi awunawo ukuthunyelwa kwezidakamizwa endaweni okubheka njengesikezelo esikweletu), uzobe uhambelana nesigwebo se-Part D sokubhalisa emva kokugcina ukubhalisa, futhi uzokhokha amaphrimiyamu aphezulu ukuphila.
Futhi uma ifasitela lakho lokuqala lokubhalisa (uma uqala ukufaneleka) liphela, ungabhalisela kuphela i-Medicare Part D phakathi nonyaka we-Okthoba 15 - Disemba 7 iwindi lokubhalisa.
Uma uhamba ngaphandle kokungena kwe-Part D bese uqeda ukudinga imithi ebiza kakhulu phakathi nonyaka ngonyaka ozayo, kuzodingeka ulinde izinyanga ezimbalwa ukuze uthole ukukhokhelwa, ngisho ne-premium ephakeme lapho kuhlolwa abantu lapho bebambezela ukubhaliswa kwabo.
Ezinye imithombo yolwazi ihlanganisa:
SHIPtalk: Uhlelo lwe-Assistance Assurance Insurance Programme lunikeza ukululekwa kanye nokwesekwa kwabaguli baseMedare kanye nemindeni yabo.
Ukubambisana kosizo lwezincwadi: Abanye abakhiqizi bezidakamizwa banikeza izidakamizwa zamahhala noma eziphansi ezihlomulayo ezihlomulayo.
Ukunciphisa Izindleko Imithi Yakho
Izikhulu zeMedare zikhombisa izindlela ezilandelayo onganciphisa izindleko zakho:
- Hlola izinhlelo zomphakathi ezisekelwe emphakathini nasemphakathini ezingasiza ngezindleko zemithi. Ulwazi luyatholakala kwiwebhusayithi Yokuhlola Izinzuzo
- Sebenzisa uhlelo lokusiza imithi. Abakhiqizi abaningi bezidakamizwa banikeza izinhlelo zokusiza abantu ababhalise ku-Medicare Part D.
- Cabanga ngohlelo lwezokwelapha olubizwa ngokuthi i-State State Pharmaceutical Assistance Programme olunikezela usizo ngokukhokhela ama-premium plan noma izidakamizwa.
- Faka isicelo sosizo olwengeziwe. Abhalisile abanemali engenayo kanye nezinsiza bangakwazi ukuthola usizo olwengeziwe ngokuPhatha kwezokuThuthukiswa koMphakathi.
Kubuyekezwe nguLouise Norris.
> Imithombo:
> Medicare.gov. Ingxenye D Isijeziso sokubhalisa esincane.
> Medicare.gov. Isaziso Sokwethenjelwa Kwemvelo.