Indlela Ukuvikeleka Kwezenhlalakahle Kukubopha Ngayo Imithi
I-Medicare ayiyona kuphela kulabo asebekhulile kuneminyaka engama-65 ubudala . Kuyinto enikezwa labo abakhubazekile, becabanga ukuthi bahlangabezana nemigomo ethile yokukhubazeka . Inkinga ungase ungayifuni i-Medicare uma ungathola umshuwalense wezempilo oshibhile kwenye indawo.
Ungenzi lutho kulowo mfutho!
Yikuphi Ukukhubazeka Okukufanelekela Imithi?
Uma ungena kwesinye sezigaba zokukhubazeka ezilandelayo, ungase uvumelekile ku-Medicare ngisho noma uneminyaka engaphansi kuka-65 ubudala.
- Une- amyotrophic lateral sclerosis (ALS) , eyaziwa nangokuthi isifo sikaLou Gehrig.
- Unesifo sezinso sokuphela kwezinso (ESRD) esidinga i- dialysis noma ukufakelwa kwezinso.
- Uthola izinzuzo zokukhubazeka ngeBhodi YezokuThatha Umhlalaphansi (RRB).
- Uthola Umshuwalense Wokukhubazeka Komphakathi (SSDI) .
Ukukhokha Kuhlelo
Abantu abafanelekayo ku-Medicare bakhokhele leyo nzuzo. Inombolo yeminyaka wena noma oshade naye ukhokha uhulumeni wesifundazwe intela yokukhokhwa inkokhelo akutholi kuphela ukufaneleka kwakho ohlelweni lokunakekelwa kwezempilo kodwa ukuthi uzokhokha malini. Lezi zinsuku zentela zihloselwe ukulondoloza izinzuzo ezifanele kuwe uma uzidinga esikhathini esizayo.
Izindleko zemithi
Nakuba i-Medicare inikeza ukunakekelwa kwezempilo kwabakhubazekile, akuyona mahhala. Kumele ukhokhe amaphrimiyamu ezingxenyeni ezahlukene.
- Amaphrimiyamu kumele akhokhwe ngeNgxenye A uma othile engazange asebenze okungenani amakhilomitha angu-40 (iminyaka engu-10) yomsebenzi okhokhelwa intela.
- Wonke umuntu ukhokhela izinkokhelo zeNgxenye B , inani elinqunywe yinzuzo yakho.
- Uma ufuna ukuthengwa kwezidakamizwa, uzakhokhela izinkokhelo zeNgxenye D futhi.
Esikhundleni salolu khetho, ungakhetha uhlelo lwe-Medicare Advantage. Izinhlelo ze-Medicare Advantage zihlanganisa yonke into engxenyeni yeNgxenye A neyengxenye B futhi ingabandakanya ukufakwa kweNgxenye D uma ukhetha.
Njengazo zonke izingxenye zeMedare, lezi zihlelo zizokukhokhela i-premium yenyanga.
Ezinye izindleko zezinhlelo zezempilo zibandakanya ama- deductibles, u-coinsurance, kanye nama-copayments nawo.
Lapho Ezinye Izinhlelo Zomshuwalense Izindleko Zingaphansi KweMithi
Ungathola ukuthi ezinye izinketho zomshuwalense zingabizi kakhulu kuneMedare.
Izinhlelo ze-Obamacare zingase zizwakale zikhangayo kepha qaphela. Awuvunyelwe ukuba nenxenye ye-Medicare kanye nohlelo lwe-Obamacare ngesikhathi esifanayo. Enye inketho kungaba ukubhalisela ukuhlinzeka ngezempilo ngokusebenzisa uhlelo lwezempilo lomlingani wakho. Kungcono nakakhulu, ungase ufanelekele ukunakekelwa kwezempilo okusekelwe ekuhlangenwe nakho kwakho kwezempi, kungakhathaliseki ukuthi yi-VA noma i-TRICARE.
Kulezi zimo, ungase ulingeke ukunciphisa i-Medicare ngokuqondene nomunye umshuwalense. Phela, akekho ofuna ukukhokha amaprimiyamu amabili uma kungadingeki. Kudingeka uqonde ukuthi ukwehla kweMithi kungaba nemiphumela emibi kakhulu.
Akucacile ngalesi sikhathi ukuthi ukuchithwa kwe-Obamacare kuzothinta kanjani ukufinyelela komshuwalense. Lokhu kuzoxhomekeka kuhlobo luni lokuhlelwa kabusha kwe-Trump yokuphatha okuqhubeka phambili.
Ukunquma Ingxenye A Ukuxhumana
Uma unqabe ukuxhaswa kweNgxenye A , ungase ulahlekelwe izinzuzo zakho zokuphepha kwezenhlalakahle. Lokhu kungafaka izinzuzo zakho zomhlalaphansi noma izinzuzo ezivela ku-SSDI.
Ngeke nje ulahlekelwe yimali engenayo yesikhathi esizayo kusuka ku-Social Security kodwa kuzodingeka ukhokhe izinzuzo zokuphepha zezenhlalakahle ozitholile kuze kube yisikhathi lapho wenqaba ingxenye A.
Isibambiso seNkantolo yeSifunda sase-US ngo-2001 saxoxa ngalolu daba. Abasebenzi abathathu balandela uhulumeni ngenxa yokuthi bafuna ukuyeka ingxenye ye-A ngenhloso yokuqashwa ngaphansi kohlelo lwe-Federal Employees Health Benefit (FEHB). Ngesikhathi esifanayo, babefuna ukugcina izinzuzo zabo zokuvikeleka kwezenhlalakahle.
Umthetho we-1965 owadala kokubili Ukuphepha Komphakathi kanye neMedareri wanikeza impendulo. UJaji uCollyer uthe "ukufuna indlela abaphikisi nabanye abasesimweni sabo ukuba 'bangazibhalisi' kuzobe kungqubuzana nenhloso yebandla, okuzohlinzeka ngezibonelelo ' ezigunyazayo ' ngaphansi kweMedricare Part A kulabo abathola izinzuzo zomhlalaphansi zokuhlala emsebenzini. Kuhunyushwe, lesi sinqumo sithi abantu abakwazi ukuhlakazeka kusuka ku-Medicare Part A ngaphandle kokulahlekelwa nezinzuzo zabo zezenhlalakahle.
Ukunquma Ingxenye B Ukuphakama
Uma wenqaba ukukhishwa kweNgxenye B, ungase ubhekane nezinhlawulo eziseduze uma ubhalisa esikhathini esizayo. Ngokungafani neNgxenye A, lokhu ngeke kubangele ukuthi ulahlekelwe izinzuzo zakho Zokuphepha Komphakathi. Lokhu kungenxa yokuthi awukhokhi intela ye-Medicare Part B.
Okufanele Uyenze
Iningi labantu lithola Ingxenye A mahhala. Uma kunjalo, ngokuvamile kuyisifiso sakho sokubhalisa nokuqhubeka nokuhlinzekwa kwe-Medicare ukuze uvikele izinzuzo zakho zokuphepha kwezenhlalakahle. Qaphela kakhulu ngokushiya ingxenye yakho ye-A A. Kungakubiza!
> Imithombo:
> I-Civil Action No. 08-1715 (RMC) - Umbono weMemorandamu. Inkantolo yesifunda sase-United States yeWebhu ye-District of Columbia. https://ecf.dcd.uscourts.gov/cgi-bin/show_public_doc?2008cv1715-54. Ishicilelwe ngo-Mashi 16, 2001.