Ukufuduka kungaba yisikhathi esiyinkinga. Kulula emininingwaneni encane ukuthi ilahleke ekukhunjweni noma ekhohliwe. Ungavumeli ukusabalala kwakho kweMediare kube omunye walemininingwane.
Kuye ngohlobo lwe-Medicare yokusabalalisa oyikhethile nokuthi ngabe uhamba ngaphesheya kwedolobhana noma kude, izinyathelo okudingayo ukuthatha zingaba lula njengokukwazisa Ukuphathwa Kwezokuphepha Komphakathi kokushintsha kwekheli lakho.
Kodwa-ke, zingase zibe nzima njengokubiza isikhathi esikhethekile sokubhalisa , ukukhetha uhlelo olusha lwezempilo, ukuthola udokotela omusha, nokudlulisela amarekhodi akho wezokwelapha.
Uhlobo Lwemithi Oye Wayechaza Lokho Okudingeka Uyenze
Njengomthetho jikelele, izinhlelo ezikudinga ukuthi usebenzise inethiwekhi ethize yabanikezeli bezinhlelo kanye nezinhlelo ezihlukile endaweni kuya endaweni kuzodingeka zishintshe uma usuka endaweni yesevisi. Izinhlelo ezingadingi ukuthi usebenzise abahlinzeki be-inthanethi kungenzeka zingadingeki zishintshwe. Kodwa-ke, imithetho mayelana nokuthi uvumelekile yini ukushintsha izinhlelo, futhi uma kunjalo, isikhathi esivumelekile ukuba usishintshe lolu hlelo, kunzima.
Izinhlelo ezifanayo E-United States
- I-Medicare Ingxenye A
- I-Medicare Part B
- Ama- standard type type Medigap
Amalungiselelo Asuka Ezindaweni kuya Endaweni noma Lokho Kungase Udinge Ukuba Usebenzise Umnikezeli Wenethiwekhi
- Imishanguzo ye- Medicare Part D yesidakamizwa
- Medicare Part C, okungaziwa ngokuthi Medicare Advantage
- I-Medicare Khetha, uhlobo olukhethekile lwepulani le-Medigap
Uma une-Medicare Part A ne-Medicare Part B, udinga ukwazisa Ukuphathwa Kwezokuphepha Komphakathi kokushintsha kwekheli lakho, kepha ngeke udinga ukushintsha izinhlelo ngoba nje uhambisa.
Uma unomuthi we-Medicare Part D, uhlelo lwe-Medicare Advantage, noma uhlelo lweMedigap Medicare Khetha, udinga ukucacisa ukuthi ikheli lakho elisha lisasendaweni yendawo yesevisi.
Uma kungenjalo, kungadingeka ukhethe uhlelo olusha olukhonza izakhamuzi zendawo yakho entsha.
Medicare Advantage & Medicare Part D
Uma uphuma endaweni yesevisi yakho ye-Medicare Advantage plan noma indawo yomsebenzi we-Medicare Part D, ungashintsha kuhlelo lwe-Medicare Advantage noma lwe-Medicare Part D enikeza ukuhlinzekwa endaweni yakho entsha. Ungenza lokhu kushintshe inyanga oyithuthayo kuze kufike ezinyangeni ezimbili ngemuva kokuthutha uma wazisa isu lakho samanje ngaphambi kokuthi uhambe. Uma ulinda kuze kube ngemva kokuthutha ukutshela uhlelo lwakho lwamanje mayelana nokushintsha kwekheli, ungashintsha amapulani ngenyanga futhi phakathi nezinyanga ezimbili ezizayo ezizayo.
Uma usuka endaweni yesevisi ye-Medicare Advantage plan yakho futhi uhluleka ukubhalisa ohlelweni olusha lwe-Medicare Advantage endaweni yakho entsha, uzoshintshwa ngokuzenzakalelayo ku-Original Medicare. Lokhu kuzokwenzeka uma uhlelo lwakho lomdala lwe-Medicare Advantage luphoqelelwa ukukuhlakaza ngoba awuhlali ngaphakathi kwendawo yesevisi.
Uhla lokuhlola lokuhamba uma unesifo se-Medicare Advantage
Uhla lokuhlola lokuhamba uma une-Medicare Part D
Ukuthuthela ngaphakathi noma ngaphandle kwekhaya lasebahlengikazi
Uma ungena noma uphume ekhaya elikhulelwe, imithetho ihlukile kancane. Ungashintsha kusuka kuhlelo olulodwa lwe-Medicare Advantage noma lwe-Medicare Part D kwenye.
Ungashintsha kusuka ku-Medicare Advantage kuya ku-Original Medicare Parts A no-B, noma ushintshe kusuka ku-Original Medicare ukuya ku-Medicare Advantage. Ungaphonsa ngokuphelele uhlelo lwakho lwe-Medicare Part D ngokuphelele. Ungenza lezi zinguquko ngenkathi usendlini yokuhlengikaza, futhi kuze kube izinyangeni ezimbili emva kwenyanga usuka ekhaya elihlengikazi.
I-Medigap nokuthutha
Udinga ukwazisa inkampani yomshuwalense enikeza uhlelo lwakho lwezempilo lweMedigap eyongezelayo, kodwa kungase kungadingeki ushintshe izinkampani zomshuwalense waseMedigap. Izinhlelo ze-Medigap zivame ukulinganisa ezweni lonke; isibonelo, i-Medigap Plan F inikeza ukufana okufanayo kombuso owodwa njengoba kwenza kwenye indawo.
Ngakho-ke, ungakwazi ukugcina uhlelo olufanayo lwe-Medigap nenkampani yomshuwalense naphezu kokushintsha kwekheli lakho. Kodwa-ke, uma ukunakekelwa kwezokwelapha kuyabiza kakhulu endaweni oya kuyo kunokuba uyasuka kude, inkampani yakho yomshuwalense waseMedigap ingavunyelwa ukwandisa i-premium yakho yenyanga yenqubomgomo ye-Medigap.
Uma inqubomgomo yakho ye-Medigap iyinhlangano ye-Medicare Select, eyodwa efuna ukuthi usebenzise inethiwekhi ethize yabanikezeli bezempilo, imithetho ihlukile kancane. Uma uphuma endaweni yesevisi ye-Medicare Select, unelungelo lokushintshela kwenye inqubomgomo ye-Medigap uma ufuna. Isikhathi ovunyelwe ukushintsha amasu sinqunyelwe, kodwa-ke, hlola inkampani yomshuwalense enikeza inqubomgomo yakho ye-Medicare Khetha ukuqinisekisa ukuthi uyaqonda imininingwane futhi ulandela yonke imithetho.
Okunye okucatshangwayo
Udinga ukwazisa ukuphathwa kwezokuphepha kwezenhlalakahle kwekheli lakho elisha kungakhathaliseki ukuthi unjani uhlobo lweMithi.
Uma ungeke ukwazi ukugcina udokotela wakho, udinga ukukhetha udokotela omusha endaweni yakho entsha. Udokotela wakho omusha wokunakekelwa oyinhloko angakwazi ukutusa ochwepheshe abasha uma kudingeka.
Uma ushintsha odokotela, hlela ukuba namarekhodi akho wezokwelapha adluliselwe kudokotela omusha. Kungcono okwamanje, thola amakhophi kudokotela wakho wamanje, bese ubanikezela kudokotela wakho omusha.
Uma udinga ulwazi oluthe xaxa, umugqa wosizo lwe-Medicare u-1-800-MEDICARE. Noma, ungaxhumana nomeluleki ovela ohlelweni losizo lwe-Insurance Health Assistance Programm endaweni oya kuyo noma ohamba kuyo.
> Imithombo:
> Amalungelo Wokukhishwa Kwe-Medigap Okuqinisekisiwe