Sebenzisa ubhaliso oluvulekile ukuvavanya nokuphucula ukhetho lwakho lwezempilo
Ukuphela konyaka kuya kusondela, oku kuthetha ukuba ixesha lexesha lokwenza iinqununu zokunakekelwa kwezempilo zifikile. Izihlandlo ezimbini ezibalulekileyo zezigidi zabantu baseMerika zihamba ngokufutshane, ngakumbi ngoNovemba.
Phantse izigidi ezingama-55 zaseMelika zithatha inxaxheba kwi- Medicare ngonyaka obhalisiweyo ovulekileyo ukusuka ngo-Oktobha 15 ukuya kuDisemba 7.
Ukongeza, malunga nezigidi ezingama-28 zaseMerika zifanelekile ukuthatha inxaxheba kwi- Inshurensi ye-Inshorensi yeMpilo ye-Market Market, ngoNovemba 1, 2016, ngoJanuwari 31, 2017.
Ngenye yezona zihlandlo zokuthenga ezona zonyango zononophelo zonyaka, ngakumbi xa ucinga kwizigidi zabantu abakhetha izinzuzo zonyango ngokusebenzisa abaqeshi babo. Kwiimeko ezininzi, izicwangciso zononophelo lwezempilo ezikhethiweyo ngeli xesha ziya kusebenza ngoJan 1, 2017.
Ukulandela imibuzo engama-9 ukuyibuza ngexesha lokubhalisa okuvulekile, ngakumbi xa unamathuba amaninzi onokukufumana.
1. Ziziphi izicwangciso ezikhoyo kum?
Ngokuxhomekeke kwimeko yakho, nokuba usebenzisa i-Medicare okanye i-Marketplace-unokufumana izicwangciso ezininzi ozikhethayo. Ngokomzekelo, abantu abasebenzisa i-Medicare bangakhetha kwi-19 ye-Medicare Advantage plans. Ukukhetha ukhathalelo lwempilo kunokubonakala kunzima kwaye kunzima. Kodwa kubalulekile ukuqaphela ukuba unokulahleka kwiindleko zindleko eziphambili ngokungakhange uhlolisise zonke iinketho zakho.
2. Ngaba iimfuno zam zifunyanwe phantsi kwesi cwangciso?
Imeko yakho yokhathalelo lwempilo yodwa, kuquka amachiza akho, oogqirha bakho, iingcali zakho kunye nesicwangciso sakho soonyango.
Abanye abantu baphatha izimo zonyango ezingapheliyo. Ngokomzekelo, amaziko e-Medicare & Medicaid (CMS) athi iingxelo ezingaphezulu kweyesibini kwi-Medicare zifumana iziganeko ezimbini okanye ezingapheliyo. Ukukhetha isicwangciso sezononophelo lwezempilo kuya kuba kubalulekile ekujonganeni neemfuno zakho ezizodwa, ezinikeza esinye isizathu sokuba uhlolisise ngokukhetha zakho iinketho.
3. Ingaba ugqirha wam phantsi kwesi sicwangciso?
Ukukhethwa kwegqirha yenye yezinto ezibalulekileyo kubantu abahlaziya i-inshorensi yabo yezempilo yonyaka. Abantu abaninzi abaqapheli, nangona kunjalo, ukuba oogqirha bangashiya isicwangciso sezempilo nangaliphi na ixesha kulo nyaka. Ukuba ukhetho lwakho logqirha lubalulekile, ke uhlale uxhulumana ngokuthe ngxi nogqirha wakho. Kunokwenzeka ukuba uqinisekise ukuba ugqirha wakho uhlanganiswe nesicwangciso sezempilo owukhethayo kunyaka ozayo, kodwa qaphela ukuba ugqirha wakho unenkululeko yokwenza utshintsho kunyaka ozayo.
4. Iyintoni isicwangciso sokuqala seplani?
I-premium yenyanga nganye yokubaluleka kwezempilo yakho ibalulekile. Inani le dollar lingakunceda xa uvavanya izicwangciso ezahlukeneyo kunye noko bazinikelayo. Kwakhona kubalulekile ukuhlolisisa iindleko ezipheleleyo zokubhengezwa, okusikhokelela kwindawo elandelayo.
5. Ziziphi ezinye iindleko endiyidingayo ukujonga?
Iindleko zakho zokunakekelwa kwezempilo ngaphandle kwe-pocket azikho nje nge-premium yenyanga. Isicwangciso sokunakekela impilo uya kukhetha siza kubandakanya amalungiselelo e-deductible, co-inshurensi kunye / okanye imali yokubambisana. I-deductible yinani leedola elo mntu unoxanduva lokuhlawula ngaphambi kokuba icebo lezempilo liqale ukuhlawula. Ngokomzekelo, nge-Original Medicare Part A (iinkonzo zesibhedlele), i-deductible kufuneka ihlawulwe lixesha ngalinye leenzuzo.
Kwezinye iimeko, njenge-Original Medicare Part B (iinkonzo zonyango), i-deductible kufuneka ihlawulwe ngonyaka.
I-inshurensi ye-Co-sine yinxalenye yentlawulo yeenkonzo ezifunekayo umntu. Ngokomzekelo, isicwangciso sinokulinganiswa kwama-80-20, oko kuthetha ukuba icebo lihlawula iipesenti ezingama-80 zeendleko ngelixa uhlawula iipesenti ezingama-20 ezisele. Ngaphandle kwezi ndleko, kukho iintlawulo zentsebenziswano, ezibekwe imali ehlawulwa ngexesha lofumana iinkonzo.
6. Ngaba ndicinga ukuba iimfuno zam unonophelo lwezempilo ziyakushintsha unyaka ozayo?
Kungaba lula okanye kulula ngakumbi ukuvuselela isicwangciso sakho samanje sonyaka ozayo. Le nto ingaba yinto ephosakeleyo, nangona kunjalo, ukuba kukho impawu onokuyidinga ukukhutshwa konyaka ozayo. Imiba enempilo ayilindelekanga, kodwa kubalulekile ukuhlaziya unyaka odlulileyo kwaye ulindele phambili kwiintlobo zezidingo oza kuba nazo kunyaka ozayo, ngakumbi ukuba wena okanye ilungu lentsapho unenkinga yempilo engapheliyo.
7. Kuthekani ukuba andisenzi naluphi na ukhetho?
Ukuba sele sele ubhalise kwisicwangciso, unokubhalisa ngokuzenzekelayo ukuba awuyi kwenza nayiphi na uhlobo lokuzikhethela. Oku kuyinyaniso kwi-Medicare abaxhamli. Kufuneka ufumane ulwazi kwi-insurer yakho yezempilo malunga nesicwangciso sonyaka esilandelayo nokuba ngaba kukho utshintsho kwiinkcukacha kunye nemigqaliselo. Ukuphonononga la maxwebhu ngokukhawuleza ukuqinisekisa ukuba iimfuno zakho ziya kudibana.
8. Ziziphi iindlela endizenzayo zokufumana ingqalelo eyongezelelweyo, njengamazinyo, umbono, ukuva, okanye ukuncedisa?
Ngokuxhomekeke kwimeko yakho, unokufuna ukuthenga uncedo olongezelelweyo okanye ukhangele izicwangciso ezibandakanya ezinye iinkonzo zempilo ezibonwayo njengezongezelelweyo. Imizekelo ibandakanya amazinyo, umbono kunye nokuvalelwa kweendlebe. Ukuba ezi zinto zibalulekile kuwe, zingaba sisizathu esihle sokubonisana neenzuzo zoqhagamshelwano ukuze uqonde iindlela zakho.
9. Ziziphi iindlela endizenzayo kumyeni wam kunye nabaxhomekeke kuye?
Ukudibanisa iimfuno zeentsapho zakho nezicwangciso zezempilo ezikhoyo ziyanzima. Kwimeko yendalo namhlanje, kungenzeka ukuba wena, lakho iqabane, kunye nabaxhomekeke kuyo bonke basebenzisa okanye bafuna izicwangciso zonyango lwezempilo ezahlukeneyo.
Ngenxa yokuba kukho iindlela ezininzi, kubaluleke ngakumbi ukuba uhlolisise ngokukhethekileyo iinketho zakho zentlawulo. Kwakhona kubalulekile ukusebenzisana neengcali zezempilo ezinxibelelwano kwi-Medicare, indawo yokuThengiswa kweeNtsholongwane yezeMpilo kunye nezinye iintlobo zokubhengezwa.
Inzuzo yexesha elide lokufumana uncedo kunye nokwenza ukhetho olufanelekileyo ngethuba lokubhalisa elivulekileyo libandakanya indleko-ukugcinwa kwindleko kunyaka ozayo, kwakunye neenkcukacha ezidibana neemfuno zonyango lwezempilo lweentsapho.
U-Tricia Blazier nguMlawuli wezeMpilo kunye noPhuhliso lwezeMali we-Allsup, inkampani enika i-suite epheleleyo yeenkonzo, kubandakanywa ukulungelelaniswa kweenzuzo zabasebenzi kunye neenkqubo zokuhlawulela abasebenzi kunye ne-Inthanethi yokhuseleko lokukhubazeka (SSDI) kunye ne-Medicare.