Isikhokelo sokuThengwa kweMida yeeMpilo
Ukufumana umhlala-phantsi kunokuthetha ukuzalisa amaphupha oye waba nawo amashumi eminyaka kodwa ngaphambi kokuba uhambe uhambo lwakho lokuqala emhlabeni jikelele, kukho imicimbi ethile yezemali oyifunayo. Ngelishwa, ziza kunye nemigqaliselo emininzi, impembelelo yerhafu, kunye nemithetho omele uyiqonde. Enye yeyona nto ibaluleke kakhulu yi-Medicare.
Mhlawumbi uye wakuva igama elithi "Medicare Advantage" kwiimveliso zentengiso, i-mail, kunye ne-intanethi.
Usenokuba ubhale ezi ntengiso njengento engabalulekanga okanye uhlobo oluthile kodwa uqonda i-Medicare Benevantage kubalulekile ekufumaneni i-coverage oyifunayo kunye nokulinda kwiindleko zonyango ongenakukwazi ukuzihlawula.
Ukuzalisa iAcaps
Okokuqala, kufuneka uqonde indlela u-Medicare esebenza ngayo kwaye kuthetha ukuqonda inxalenye nganye. I-Medicare ineengxenye ezi-4-Iingxenye ze-A, B, C, kunye no-D. ( Funda malunga nenye yeengxenye apha ) Yintoni ebalulekileyo ukwazi ukuba i-Parts A kunye neB, ezaziwa njenge-Medicare yasekuqaleni, ihlanganisa kuphela iindleko zeendleko zonyango kunye namaqabunga wena kwi-hook ukuhlawula iindleko ezinkulu zonyango ngaphandle kwepokothini. Makhe sijonge kwiimeko ezimbalwa.
Cinga ngeCandelo A njenge-inshorensi yesibhedlele. Ukuba uyangeniswa esibhedlele nganoma yisiphi isizathu, iCandelo A lihlawula ukuhlala kwisibhedlele kodwa kufuneka uhlawule i $ 1,316 yokuqala ngo-2017 kwaye ukuba uya esibhedlele kaninzi, kufuneka uhlawule i $ 1,316 nganye.
Emva kweentsuku ezingama-60, uhlawula i-$ 329 ngosuku kwaye emva kwe-90, iindleko zakho ziphakama kwi-$ 658. Yenza imathematika kwaye uyabona ukuba ayithathi ixesha elide ngenxa yeendleko zakho zokuphuma ngaphandle kwee-african ukuya kumazinga ukuba umhlala-phantsi osemva awukwazi ukufikelela.
Kuthiwani ngeCandelo B? Cinga ngeCandelo B njengento yokugubungela into eyenziwe kuwe-izixhobo zonyango, ukutyelela ugqirha, iimvavanyo, iinkonzo ze-ambulensi kunye nokunye.
Mhlawumbi uya kuhlawula i-$ 134 ngenyanga nge-premium yenyanga. Ukuba ingeniso yakho iphezulu, uya kuhlawula ngaphezulu kodwa abaninzi abantu abafumana uxolo lweNtlalo baya kuhlawula ngaphantsi kwama-109. I-deductible yakho yinto ephantsi kakhulu kwi-183 yeeRandi kodwa xa udibana nayo, kufuneka uhlawule iipesenti ezingama-20 zonke iindleko ezivunyiweyo zeMedricar, nje kuphela ukuba umboneleli wezempilo uyamkela isabelo seMagare kodwa akukho cap.
Ngenxa yemathematika elula, ukuba iindleko zonyango zakho zonyaka ziyi-100,000 zamawaka, uya kuba noxanduva lweedola ezingama-20,000 kunye neendleko zakho zeCandelo A ukuba usibhedlele. Uhlawula ipesenti ezingama-20 zeendleko ezipheleleyo kungakhathaliseki ukuba zinkulu kangakanani.
Icandelo D lijongene nezidakamizwa zonyango kodwa kukho "umgodi wokungena." Emva kokuba wena kunye nesicwangciso sakho sele usebenzise ama-$ 3,700 kwizigulane ezigutyungelwe, unembopheleleko ye-40 ekhulwini yeendleko zokusetyenziswa kweziyobisi kunye ne-51 ekhulwini ze-generics de ufike kwi-$ 4,950.
Xa usuchithe ngokwaneleyo ukuba uphume kwi-gap-cover, igama elithi Medicare lithanda ukusetyenziswa endaweni ye "don hole", iindleko zakho ziphinde zihlanganiswe. Uhlawula kuphela intlawulo-ntlawulo encinci kodwa ngelixa ulolu hlobo lwentengo uhlawule amawaka angamaxabiso kwi-out-of-pocket cost kunye ne-premium yenyanga ukuya kwi-$ 76.20 ngaphezu kwenyanga yokuqala yeprogram.
Iindleko zakho ziphakame ngokukhawuleza
Ngonyaka owodwa apho unokutyunjwa kwaye uchithe ixesha elongezelelweyo esibhedlele, unako ukuhlawula iindleko zonyango eziphezulu kunokuba unako ukuhlawula. Ngaphezulu kwexesha leminyaka okanye eminyaka, ezi ndleko zingakhokelela kwimeko yemali enobungozi kuwe nakwintsapho yakho.
Le mizekelo eninzi kakhulu kodwa ezi zi-2 zezona zikhulu zeempazamo kwi-Medicare. Ngaphandle kokuba unomlinganiselo omkhulu wemali uyakusindiswa uya kufuna udweliso olongezelelweyo ukuzalisa ezi zikhefu. Yilapho izicwangciso ze-Medicare Advantage zifika khona
Yintoni i-Medicare Benevantage?
Kukho iindlela ezi-2 zokufumana inzuzo yakho yeMedare. Uyakwazi ukufumana i-Medicare yasekuqaleni okanye iSicwangciso soNcedo lweMedare, esibizwa ngokuba yiCandelo C. Khumbula ukuba iiMveli zeMveli ziyingxenye A kunye no-B kwaye zilawulwa nguRhulumente wephondo.
Awufumani izibonelelo zonyango ezichanekileyo kunye ne-Original Medicare.
Kwakhona kwaziwa ngokuba yiCandelo C, i-Medicare Benevantage cwangciso ilawulwa yiinkampani zomshuwalense yabucala. Urhulumente wephondo uhlawula iinkampani ezizimeleyo ukulawula isahlulo seendleko ze-Medicare kwaye umhlala-phantsi uhlawula lonke ixesha lokubhengezwa kwimoya ye-premium. Ngaphantsi kwecandelo C, ufumana yonke inqaku leNgxenye A kunye neNgxenye B onelungelo lokufumana isicwangciso seMveli yeMpilo kunye neenzuzo ezongezelelweyo.
Iintlobo zeeNkqubo zeMpilo eziNcedo
Izicwangciso ze-Medicare Benevantage zisebenza ngendlela efanayo ne-inshorensi yempilo yendalo. Ungathengisa isicwangciso esinempawu ozifunayo kwintengo ehambelana nebhajethi yakho. Kukho iintlobo ezi-5 eziphambili zezicwangciso:
Amalungiselelo okuSondlo lwezeMpilo (HMO): Ezi zihlobo zeeplani ezininzi abantu abangazithandiyo kuba zifuna ukuba babone oogqirha kwisicwangciso senethiwekhi. Unokufuna kwakhona ukudluliselwa kwirejista yakho yokunyamekela. Ukungafuneki kwenziwe okwenziwe ngxamnye noxinzelelo lwezonyango kodwa ngaphandle kwaloo nto, awuyi kukwazi ukukhetha ababoneleli benkonzo yezempilo onokuyithanda. Kodwa ezi zicwangciso zidla ngokuthe tye.
Umbutho woMboneleli okhethiweyo (PPO): Uya kuhlawula ngaphantsi xa uhlala kwinethiwekhi kodwa akudingeki. Uya kuhlawula ngaphezulu kwiindleko ezingaphandle kwee-pocket xa uhamba ngaphandle kwenethiwekhi.
IziCwangciso eziZimfuno eziZodwa (i-SNP): Ezi zicwangciso zinika abantu abanezifo ezingapheliyo okanye ezinye iimfuno ezizodwa.
I-HMO Point-of-Service Plans (i-HMOPOS): izicwangciso ze-HMO ezinokukuvumela ukuba unakekele ngaphandle kwintanethi yakho ngenkokhelo ephezulu.
I-Akhawunti Yokugcina Impilo (I-MSA): Hlanganisa isicwangciso sezempilo esicatshulwayo esiphezulu nge-akhawunti yebhanki yokuhlawula iindleko zonyango. I-Medicare ibeka imali kwi-akhawunti yokuhlawula iindleko eziphathelene nenkathalo.
Indlela yokuthenga iSicwangciso
Ngokomthetho, zonke iiplani ze-Medicare Benevantage kufuneka zinike zonke izinto zeMpilo yoMdala zibonelela ngaphandle kwenkathalo ethile yokubhedlele, ehlanganiswe kwiCandelo A. Akunakuze uxhalabele ngokungayifumana izibonelelo ezisisiseko onelungelo.
Isicwangciso ngasinye seMicrosoft Benefitage sineziphumo ezingaphezulu kwenyanga. Xa usifike kulo mda, icebo lihlanganisa iipesenti ezili-100 zeendleko zakho kulo lonke unyaka. Ukhumbule loo mabhili amakhulu amakhulu ukuba unokugula kakhulu? Le nxalenye eyenza icebo le-Medicare Benevantage likhangele.
Ezinye izicwangciso zinikeza iinkcukacha ezongezelelweyo ezifana nesicwangciso semithi yesigqirha, ukuva, amazinyo kunye nombono, kunye neenkqubo zempilo kunye nokuphila. Ngeenzuzo ezongezelelweyo kuza iindleko ezongeziweyo.
Ukuba awufuni ukutshintsha oogqirha, qinisekisa naziphi na izicwangciso ozijongayo ziluhlu lonyango oogqirha bakho njengengxenye yenethiwekhi yabo. Ekugqibeleni, yintoni inqaku leenkwenkwezi? I-Medicare inikeza isicwangciso ngasinye isilinganiselo seenkwenkwezi esilinganisa umgangatho wayo. Ukulinganiswa kweenkwenkwezi ezi-5 kuthetha ukuba icebo liphezulu kumgangatho. Iimbalwa zeenkwenkwezi ezimbalwa, kufuneka ulungele ngakumbi ukucima eso sicwangciso.
Ixabiso
Ngo-2016, iindleko eziqhelekileyo zeProgram ye-Medicare Advantage HMO yayiyi-$ 39 ngenyanga kodwa i-PPO yayiphezulu kakhulu kwi-$ 75 ngenyanga. Ezinye iiplani aziqhelekanga kodwa zingafanelana neemfuno zakho zeeinshorensi zempilo.
Ukuze uqale ukuthenga izicwangciso, uye kwi-Planer's finder's plan, faka ikhowudi yakho ye-zip kunye nayiphi na enye inkcazelo onokuyinika. Unokuqhathanisa iimpawu kunye nemilinganiselo kwisicwangciso ngasinye. Ezinye izicwangciso ziza kubhala uluhlu lwentlawulo ye-premium kodwa kufuneka uhlawule nayiphi na i-premiums oya kuhlawula phantsi kweMyriare yasekuqaleni. I-Medicare iyinkimbinkimbi kwaye awukwazi ukukwazi ukukwenza iphutha kunye negosa lakho. Cinga ukuthetha nomsebenzi we-inshurensi ojoliswe kwi-Medicare.
Umyinge wamazwe ngamazwe
Ukuba uceba ukuchitha ixesha elininzi ngaphandle kwelo lizwe uhlale ukhumbule ukuba iMicare mhlawumbi ayiyi kugubungela unyango lwakho ngaphandle kweimeko ezinqabileyo. Mhlawumbi ufuna i-inshurensi yokuhamba, ekhoyo ngaphandle kwe-Medicare. Thetha kwi-agent ye-inshurensi ukuze uncede ngokuchanekileyo okufunekayo.
Hlala Ukhuselekileyo
Ngokwe-Medicare, akukho mntu unokukubiza okanye eze ekhaya lakho ngaphandle kokuba ubanike imvume. Akukho mntu uvunyelwe ukuthengisa iimveliso zeMedareri engazange zaziswe kwaye akufanele unikeze ulwazi lomntu ngaphandle kwefowuni ngaphandle kokuba ucele inkampani ukuba ikubize.
Akwafanele kwakhona ukuba akucele ulwazi lwezemali kubandakanya i-akhawunti yebhanki okanye iinombolo zekhadi lesikweletu, phezu kwefowuni.
Gqi beleni
Nangona i-Medicine yasekuqaleni ifika kwixabiso elibiza kakhulu, akufanele ujonge njengoluhlobo lwezempilo oluyidingayo kuphela. Iimpembelelo ekujoliswe kuzo zimela ingozi yemali kwimali yakho yokugcina umhlalaphantsi. Bhalisa kwi-Medicare Benevantage okanye omnye umgaqo-nkqubo ukuzalisa izikhewu ekujoliswe kuyo.