Ukunyanga kobhaliso lwe-Medicare kunokukhokelela ekugqibeleni ngokunyanisekileyo
Eli lixesha ligugu elibalulekileyo kulabo abone ukubhaliswa kwe-Medicare kwi-65 njengendlela yabo enkululeko-ekugqibeleni bayeke iqela labo lomqeshi kwiziko lempilo yezulu. Baya kubonisana nabacebisi babo berhafu kunye neengxowa-mali, bahlolisise ama-nut kunye ne-bolts yemeko yabo yemali, kwaye batyikitye kwi-Medicare ngokulula.
Kulula kakhulu ukubhalisa kwi-Medicare. Ngandlela-thile, oko kulungile. Kodwa olu lukhululekile lunokuthi lube lunye lweempawu zeProgram ye-Medicare ekhokelela abantu ukuba bathathe iindlela eziphosakeleyo zeendleko ezigqithiseleyo, izikhalazo zokukhawuleza kunye nezohlwayo xa benza iimpazamo ngokukhetha kwazo.
Ezi zilandelayo zintlanu zenzekile iimpazamo zikaMedare ukuphepha xa ujika 65-imeko enzima kakhulu kubantu abathile basebenzayo xa befikelela kule nto ibalulekileyo.
1. Ukuxhomekeka kuphela kwiinkonzo zonyango. Iinkampani ezininzi ziyaqhubeka nokubonelela ngeenkonzo zokunakekelwa kwezempilo kwixesha elide kubasebenzi basebenzayo. Kodwa ezo ntlawulo azikwazi ukubuyisela i-Medicare. Abo banenzuzo yokusebenzisa i-post-retiree carecare coverage basadingeka ukuba babhalise kwi-Medicare , okanye bajongane negalelo elincinci okanye izigwebo ezibiza. Enye indlela kukuba abaqeshi abaninzi bayeka ukufumana izibonelelo ezingasetyenziselwa umhlala-phantsi kumaqela amaninzi, ngoko kubalulekile ukuba uqaphele olu phuhliso kunye neendlela zokwenza umsebenzi wokuthatha umhlalaphantsi.
2. Ukubhalisa kwi-Medicare kwiCandelo A (ukukhutshwa kwezibhedlele) okanye kwiCandelo B (ukukhutshwa kwezokwelapha) ngeli xesha usebenza. Kuze kube yiminyaka embalwa edlulileyo, kwakuqhelekileyo kubantu abaqhubeka bezama ukubhalisa kwiCandelo A kunye / okanye kwiNgxenye B njengendlela yokuguqula iminyaka engama-65 iinzuzo zaqala.
Utshintsho kwiinkqubo zoKhuselo lwezeNtlalo kunye ne-Medicare, kunye nokuba kunokwenzeka ukuba kwenziwe izigwebo, kuthetha ukuba esi sigqibo akufanele senziwe lula. Kubalulekile ukuthetha neengcali zeMedare xa usenza izigqibo zeMagare ngelixa usebenza kwaye ujika 65.
3. Ukuthatha indlela "elula". Ukutshintshwa kwenkxaso-mboleko ye-Medicare kungabonakala kulula, ukuba awuqwalasela yonke into oyikhethayo. Esinye seziphambeko eziqhelekileyo abantu abanokuzenza ziqhutyelwa kwinkqubo yobhaliso kunye neendlela ezifutshane ngokukhawuleza zokunakekelwa kwezempilo. Imizekelo yeendlela ezimfutshane ziquka:
- Ukukhetha isicwangciso seMedare ukuba umngane, ummelwane okanye iqabane lakhe usebenzisa ngoba kulula.
- Ukubhalisa kwi-Medicare yendabuko ngaphandle kokujonga kwindlela yokukhetha i-Medicare Advantage .
- Ukukhetha i-coverage kuba yinto efana nento umntu ayenayo ngelixa bebesebenza (okt, umboneleli omnye, i-premium efanayo, njl.).
- Ukuthatha isicwangciso seMedare ukubonakaliswa kwayo kunye nokukhululeka (oko kukuthi, ukukhangisa nokukhushulwa), kunokuba kuba ihlangabezana neemfuno zempilo kunye neemfuno zomntu.
4. Ukujonga ukhetho lwezonyango njengezigqibo zonyango kuphela, kungekhona izigqibo zemali. Ngaphandle kwenkxaso ye-Medicare, abaninzi abaxhamli banokuthi babe neendleko zonyango lokuthatha umhlalaphantsi ngaphandle kweepokotshi zabo eziba ngamawaka eedola.
Abantu abaninzi abaqapheli oku-kulindeleke kuphela i- premium yenyanga yeNgqungquthela B , umzekelo. I-Coinsurance, i-deductibles kunye nezinye iindleko zingongeza ngenxa yeemeko zempilo ezingapheliyo, iinkqubo zonyango ezingalindelekanga, okanye izidakamizwa ezibizwa ngegama elibizayo. Ewe, kubalulekile ukufumana isicwangciso seMedare yezidingo zempilo. Kodwa ukwenza ukhetho oluchanekileyo, ngokukodwa ngoncedo lwabagqirha bezeMpilo, lunokubonelela ngeendleko ezintle kunye nexabiso kuwo wonke umhlalaphantsi wabo.
5. Ukuqhubeka nokusebenza ngenxa yezibonelelo ezixhomekeke kuyo. Akuqhelekanga ukuba umntu onondla ekhaya aqhubeke nokusebenza iminyaka yobudala yomhlala-phantsi ukuze alondoloze inzuzo yezempilo kumlingane okanye kuxhomekeke kumakhaya. Enye yeenzuzo ezibangelwa nguMthetho woNonophelo ongenakunciphisa ukongeza ukhetho kulabo bantu abaye baziva bephoqelekile ukuba balinde umhlala-phantsi ngenxa yokunikezelwa kwezempilo.
Iintsapho ziyakwazi ukufumana unyulo lwezonyango ngoncedo lwelizwe okanye ulawulo lwezempilo, ukuvumela umlingani osebenzayo ukuba athathe umhlala-phantsi kwaye abhalise kwi-Medicare, ngelixa enikezela abaxhomekeke kubo.
Ngemihla ngemihla, amawaka aseMerika ayafaneleka kwi-Medicare kwaye ayonwabela ukubonelelwa kwezempilo kwenzelwe le nkqubo. Akubona wonke umntu, kodwa ke, ubona inzuzo epheleleyo kunye nokugcinwa kweendleko ngenxa yeendlela ezahlukeneyo zokungahambi kakuhle.
Ukufikelela kwiingcali ze-Medicare kunye nabaye banamava kunye nokuguqulwa phakathi kwezi ntlobo zecandelo lokunakekelwa kwezempilo kunokubonelela abantu ngokuqinisekileyo kunye nokuzithemba malunga neenkonzo zabo zokunakekelwa kwempilo kunye nemali kwiminyaka engama-65.
Eli nqaku liza kuthiwa nguTricia Blazier, JD, umlawuli wezempilo kunye nocwangciso lwemali we-Allsup. I-Allsup ngumnikezeli welizwe loKhuseleko loKhuseleko loLuntu, isibheno sokukhubazeka kwabasemagunyeni, isicwangciso sokutshintshana kunye neenkonzo zeMedare ngabanye, abaqeshi kunye nabathwali bomshuwalense.