Inani leNyanga yokuqala?
I-Medicare iza kwiindawo ezintathu-Ingxenye A, Icandelo B, kunye neCandelo D. Icandelo A likhululekile kwaye libhekiselele esibhedlele, i-hospice, ikhaya labahlengikazi, kunye nokunakekelwa kwempilo ekhaya. Icandelo B libiza abantu abangama- $ 134 ngenyanga kwaye iquka ukutyelelwa koogqirha kunye neentlobo zeenkonzo zonyango oza kuzifumana kwezo zihlandlo. Icandelo D lijongene nesigxina sokusetyenziswa kweziyobisi.
Musa ukulinda ixesha elide
Ngokungafaniyo neengxenye ze-A kunye ne-B, Ingxenye D yesigxina sokusetyenziswa kweziyobisi ivela kwiinkampani zomshuwalense yabucala.
I-Medicare ihlawula inxalenye yeendleko. Njengamacandelo A kunye no-B, ukuba awuyi kubhalisela ukukhutshwa kwezidakamizwa zonyango xa uqala ukufaneleka, mhlawumbi uya kuhlawula isigwebo sokubhalisa emva kokugqibela ngaphandle kokuba esinye sezimo zibini sisebenzise:
- Ususebenza okanye unesiqinisekiso sokuchithwa kwezidakamizwa ezivela kwenye indawo.
- Ufumana uncedo olungakumbi kwi-Medicare. Uncedo olongezelelweyo lunceda abafumana umvuzo ongezantsi abahlawula iindleko zemithi yabo yonyango.
Iindlela ezimbini kwi-Medicare
I-Medicare Ingxenye yeDevelopment D iyatholakala ngeendlela ezimbini ezahlukeneyo.
Okokuqala, unokongeza isabelo seCandelo D kwi-Medicare Parts A yakho yasekuqaleni kunye ne-B. Medicare inesicwangciso sokufumana isicwangciso esinceda ukhethe ukufikelela okujoliswe kwiinjongo zakho kunye nohlahlo lwabiwo-mali. Unokukhangela ngekhodi ye-zip, ufake iidakamizwa zemithi oyithathayo kunye ne-pharmacy yakho yangaphandle kunye nolunye ulwazi kunye nesiphononongo sokufumana isicwangciso sokunika inketho yeCandelo D kuquka neendleko.
Okwesibini, unokufumana isabelo seCandelo D ngokusebenzisa i- Medicare Benevantage (iSahluko C) okanye esinye isicwangciso sezempilo seMedare esinika isibonelelo sokusetyenziswa kweziyobisi njengenxalenye yesicwangciso.
Nangona iCandelo C libiza iindleko ezingaphezu kweMyrireyri yasekuqaleni, ngaphandle kwenkxaso okanye enye inkcazo efana ne-inshurensi yakwaMedigap, iMedareyri yasekuqaleni ishiya ezininzi iingcambu eziza kukushiya kunye neendleko zonyango ongenakho ukuzihlawula.
Uninzi lwabantu lukhethiweyo ukubhalisa kwiCandelo C ukukhusela kulezi ndleko ezibiza.
I-Medicare Ingxenye D Ixabiso
Ukuba ukhetha ukwamkela isabelo se-Part D njengenxalenye ye-Medicare yasekuqaleni, uya kuhlawula isabelo sakho se-premium yenyanga. Oku kuyahluka ngokuxhomekeka kwisicwangciso okhethayo kodwa umyinge welizwe lonke u-2018 yi-$ 34 ngenyanga.
Njengengxenye B kunye nezinye iinjongo zomshuwalense, izicwangciso ngokubanzi ziza ne-deductible-imali oya kuhlawula ngaphambi kokuba u-inshorensi iqale ukuhlawula inxalenye yeendleko. Unyaka ophezulu ochithwayo ovunyelwe yi-Medicare ngo-2018 yi-$ 405. Izicwangciso ezininzi ziza kuncitshiswa kakhulu kwaye abanye abanalo.
Isicwangciso ngasinye siya kuba ne- copayment kunye ne-coinsurance amount. I-copayment iyimali echanekileyo ohlawula ngayo imimiselo yakho. I-copayment kwizidakamizwa eziqhelekileyo ingaba yi-$ 5 ngelixa igama lamachiza egama lomenzi kwii-tiers ezithile lingafuna i-copayment ye-$ 25. Amanqanaba aphezulu angadinga ikhoyayiti enkulu.
Unokuhlawula isixa-mali se-coinsurance kwizilwanyana eziphezulu. Ukuba imirhumo ibiza i-$ 400, unakho ukuhlawula i-coinsurance yeepesenti ezingama-25 ukwenza inxalenye yakho ye-bill bill eyi-100.
Ezinye iziyobisi zingadinga i-copayment kunye ne-coinsurance.
Qaphela: Ngenxa yokuba iCandelo D lilawulwa ngeenkampani zomshuwalense yabucala, ngamnye unokufaka ezinye iziyobisi ngamacandelo ahlukeneyo.
Unakho ukuhlawula phezulu kwiindleko zesikhwama seziyobisi ezifanayo kwizicwangciso ezahlukeneyo.
Gap Coverage
Emva kokuba uchithe u-$ 3,750 wama-dollar ekugqibeleni izidakamizwa zemithi ungena kwisithuba sokungena okanye u-donut ubambe njengokuba abanye abantu bayazi. Umngcipheko wokufihla umyinge wexeshana kweso sicwangciso esiza kubhalela iziyobisi. Ukuba ufumana uncedo olongezelelweyo kwi-Medicare awuyi kufaka i-gap yezaziso kodwa ezininzi izicwangciso ze-inshorensi azifaki igalelo.
Ngo-2018, i-Medicare iya kuhlawula kuphela iipesenti ezingama-35 zexabiso lezonyango kunye namaphesenti angama-56 eziyobisi eziqhelekileyo ngelixa unesithuba se-coverage. Iindleko zakho zeefowuni ziza kukugqithisa ekuphumeni kwenkcitho kunye neninzi yale nto uhlawula ngayo ngexesha le-gap liya kubala. Ezinye iinkampani zamachiza ziye zasayina isivumelwano kunye ne-Medicare ukunikela ngezaphulelo kwizilwanyana zamagama egama lomntu kwi-gap.
Indlela yokuThengisa uMgangatho
Ngamanye amaxesha uphezulu kungcono kodwa kwimeko yeCandelo le-Medicare Part D, mhlawumbi akunjalo. Into ebaluleke kakhulu ukuyiqwalasela isicwangciso sokufumana iziyobisi ozithathileyo ngoku. Ukuba isicwangciso esiphantsi kweendleko asigubungeli iziyobisi zakho , iindleko zakho zeefowuni ziza kuba ngaphezu kokushiya imali oyigcinayo kwiiprayimari. Khangela izibonelelo uze uthelekise nento oza kuhlawula ngayo. Jonga kwakhona kwiindleko zangaphambili, ngexesha, nangemva kwendawo yokungena. Emva kokuba ubala ukuba uza kuhlawula malini na ukuba icebo liza kulihlawula, jonga i-premium. Ngamanye amaxesha i-premium ephakamileyo iya kukunciphisa ngenxa yokuba iindleko zakho zingaphantsi kweendleko.