Indlela Yokulinganisa Izinzuzo Nezidingo Zakho Zokukhetha Imithi
Unenketho lapho ubhalisela i-Medicare. Ungabhalisela i-Original Medicare ( Ingxenye A neNgxenye B ) noma ungakhetha uhlelo lwe- Medicare Advantage . Izidingo zomuntu wonke zizohluka ngakho kufanele ucabange ngokucophelela ngalokho okuzokwenza kangcono kuwe. Indlela engcono kakhulu yokwenza ukhetho ukuqhathanisa le nhloko yezinketho ze-Medicare.
Imithi yokuqala
Ukufinyelela: Unokufinyelela okubanzi kuwo wonke ama- Medicare abahlinzeki kuzo zonke izici .
Lokhu kungase kubaluleke kakhulu ukucabangela uma uhlala endaweni lapho kunesidingo khona. Uma kunjalo, cishe uzofuna ukufinyelela odokotela abaningi ngangokunokwenzeka.
Ukuzijabulisa: Izinkokhelo zakho zingahoxiswa ngokuqondile isheke lakho sezenhlalo ngenyanga uma uqala ukuqoqa izinzuzo. Ngeke udinga ukukhathazeka mayelana nokukhokha okulahlekile noma ukulahlekelwa ukukhokhelwa kwakho ngokuntuleka kokukhokha.
Ukuphakama: Imithi yokuqala ifana nayo wonke umuntu. Akukho ukukhetha noma ukukhetha ukufaka kwakho. Uma ufuna ukuthengwa kwezidakamizwa, uzodingeka ubhalise ohlelweni lwe- Part D.
Izinkokhelo zenyanga: I-Medicare yangempela ngokuvamile iyabiza kakhulu kunehlelo lomuthi we-Medicare Advantage. Ukhokha izinkokhelo zenyanga ngenyanga yeNgxenye B njalo ngenyanga. Abaningi baseMelika bathola amaphrimiyamu A-Part mahhala ngaphandle kokuthi bengasebenzi ngaphezulu kweminyaka engama-40 (iminyaka engu-10) yomsebenzi okhokhelwa umuthi.
Ngaphandle kwemikhawulo yePokhethi: Akukho mkhawulo wokuthi ungakhokhela kangakanani iMederal Medicare ngaphandle kwephaketheni.
Lokhu kungashesha ngokushesha uma udinga usizo oluningi lwezempilo.
Ukulondolozwa: Uma unemali engenayo kanye nempahla, ungase uvumelekile ukuba ubambe iqhaza kwelinye lamaMicrosoft Savings Plans ukuze ugcine izindleko phansi. Ngokuqondile, ungagcina ekuqinisekisweni kwemali, ukukhokhelwa kwama-copayments, ama-deductibles kanye nama-premium weNgxenye A, Ingxenye B, noNgxenye D.
I-Supplemental Insurance: Uma ungenayo imali engenayo, ungathola izindlela zokugcina izindleko ngokuhlola. Ungangezela uhlelo lokuhlanganisa lwe-MediGap ukuze usize ukukhokhela izindleko zokuthi ama-Original Medicare ashiya etafuleni, izindleko ezinjengokuqinisekiswa kwemali, ukukhokhelwa kwama-copayments, nokudonswa kwe-Part A kanye neNgxenye B.
Medicare Advantage
Ukufinyelela: Unenethiwekhi encane yabahlinzeki bokukhetha kusuka kunethiwekhi ye-Medicare Advantage. Uma usendaweni lapho kunokuntuleka khona kokudokotela, lokhu kungase kunciphise ukufinyelela kwakho ekunakekelweni kwezempilo.
Ukuzijabulisa: Ungakhetha uhlelo lweMedare Advantage olubandakanya ukufakwa kwezidakamizwa zeNgxenye D, uhlelo lwe-MA-PD. Kulesi simo, yonke imininingwane yakho yezempilo izofakwa ohlelweni olulodwa.
Ukuhlanganisa: Nge-Medicare Benevantage, ungakhetha futhi ukhethe ukufakwa kwakho. I-Medicare yokuqala ayifake konke. Amanye amahlelo we-Medicare Advantage angase anikele ngamasevisi ezempilo ezengeziwe ongayidinga.
Izinkokhelo zenyanga: Usalokhu ukhokhela izinkokhelo ze-Part B kuhulumeni kodwa uzokhokha imali ekhokhwa ngenyanga ukuze uthole inzuzo ye-Medicare Advantage plan. Yilapho i-Medicare Advantage ingaba yabiza kakhulu. Amanye ama-Medicare Advantage amapulani, noma kunjalo, angase abe yi-premium mahhala.
Ngaphandle kwemikhawulo ye-Pocket: Uhulumeni wesifunda ubeka umkhawulo wokuthi ungayisebenzisa kanjani imali engaphezulu kwezindleko ze-Medicare Advantage ngonyaka kodwa kuphela ngezinsizakalo ezihlanganiswe yiNgxenye A noNgxenye B.
Umkhawulo ophezulu ngo-2015 wawuyizigidi ezingu-6 700 kodwa umkhawulo wamaphakathi owabekwe ngabashuwalense wangasese wawuyizigidi ezingu-3,000 - $ 4,000.
I-Savings Plan: Awufanelekile kwi-Medicare Savings Plan uma useMedare Advantage.
I-Supplemental Insurance: Awufanelanga uhlelo lwe-Medigap uma useMidyar Advantage.
Izinhlelo zokushintsha
Awuboshwe esinqumweni sakho. Ungashintsha ngisho nokuhlela phakathi kohlelo lwe-Original Medicare ne-Medicare Advantage ngezikhathi zokubhalisa ezikhethiwe .