IsiCwangciso sakho seMpilo yokuqala asikho
I-Medicare yasekuqaleni iyisiqalo esihle se-inshurensi yezempilo yomhlala-phantsi kodwa ukuba konke oko unako, uyothuswa xa iziqendu zakho zonyango ziqala ukufika. Ngokubambisana ne-Original Medicare ufuna uncedo olongezelelweyo ukukhusela kwiindleko ezinokufikelela kalula kumawaka amawaka eedola. Kukho iinketho ezimbalwa kodwa umgaqo-nkqubo we-Assigap we-Medigap ungabheja ngokugqwesileyo.
I-Medicare inezikhalazo
Ngaphambi kokuba sijonge isisombululo, machaze ingxaki.
Ubomi bakho bokusebenza ubona imali ichitheka kwi-paycheck yakho ukujonga i-Medicare. Enyanisweni, uhlawule i-1.45 ekhulwini yemali yakho yokufumana imali kwi-Medicare kamva ebomini kwaye umqeshi wakho waphosa kwelinye i-1.45%. Ukuba usebenza ngokuzimeleyo, uhlawule zombini iinxalenye. Ngaphezulu kwekhondo lakho lomsebenzi, uhlawule malunga ne-$ 61,000 xa ufumene umvuzo osondeleyo kumyinge wesizwe kodwa emva kokuba uthathe umhlala-phantsi lempilo yomshuwalense ohlawulwayo ayikho nto.
Makhe sijonge kwi-Original Medicare-yiNgxenye A kunye neCandelo B. Ukuba ungazi kakhulu malunga neengxenye ezine, funda ngakumbi apha .
Masithi unesifo senhliziyo. Izazinzululwazi zonyango ziye zafika kwindlela ende kwaye ukuhlaselwa kwentliziyo akuyona into eyingozi njengoko kwakunjalo kodwa ibiza imali eninzi. Enyanisweni, unokwenza imoto yezinto eziphathekayo ukuba yintoni wena kunye nenkampani yakho yomshuwalense eya kuhlawula ukunyamekela okufunekayo.
Xa uye esibhedlele waza wangeniswa kwaye iNgxelo ye-Part A yakho ifunyenwe inxalenye yebhili.
Uhlawula i-$ 1,316 yokuqala kunye ne-Medicare ithatha zonke iintsuku ezingama-60. Emva koko uqala ukuhlawula isahlulo sebhilikhi yansuku zonke kwaye emva kweentsuku ezingama-90 uhlawula inxalenye enkulu. Ukuba ubuya esibhedlele kamva ngaloo nyaka, unakho ukuhlawula enye i-$ 1,316. Njalo xa uvalelwa, kungabakho enye i-$ 1,316.
Kodwa kuthiwani malunga nazo zonke iimvavanyo kunye neenkqubo?
Yilapho iNgxenye B ingena khona. Kukho i-premium yenyanga nganye yeCandelo B kodwa nayiphi na inkqubo, uhlawula i-$ 183 yokuqala njengoko uchithekile kwaye uthathe iipesenti ezingama-20 zebhilikhi emva koko. Ukuba ibhilikhi yakho iyonke i-$ 30,000 engabali iindleko zokuhlala esibhedlele okanye ukutshatyalaliswa kwakho, isabelo sakho si $ 6,000.
Kodwa ukuba uneminye inkqubo, iimvavanyo, ukuhlinzwa, kunye nezinye iinkathalo, uya kukhetha iipesenti ezingama-20 zazo zonke unyaka. Oku guqulela kwi-bili ekhuselekileyo kangangokuthi abaninzi abahlala phantsi abanakho ukuhlawula. Ngokuqinisekileyo, i-Medicare ithathe iipesenti ezingama-80 kodwa i-20 ekhulwini ibuhlungu nje nje, kubi?
QAPHELA: Ngaphambi kokuba ushiye amanye ama-imeyile amagama aqinileyo kubantu bakho beCongressmen, loo mali engu-61,000 oyihlawulayo kwiminyaka yakho yokusebenza yenza ukuba ube ngu-180,000 kwiirhafu ukuze ufumane into enhle.
Insurance Assurance
Lezo zikhewu ekujoliswe kuzo zimela umthwalo onobungozi wezemali kubaqeshi. Yingakho kufuneka ufumane i-inshurensi eyongezelelweyo ukuze uzalise ezo zikhefu kwi-Medicine yakho yasekuqaleni. Kukho ukhetho olu-2: Isicwangciso seMpilo ye-Medicare esaziwayo njengeCandelo C, okanye i-Intsurance yaseMedigap. Unokufunda malunga nezicwangciso ze-Medicare Benevantage apha. [QAPHELA: Qhagamshelana kwinqaku engayibhala kule sihloko]]
I-Medigap Intshuwalense, ebizwa ngokuba yi-Medicare Supplement Insurance, izakuzalisa izikhelo esizijongayo ngasentla kodwa kukho i-premium eyongezelelweyo phezulu kwi-Medicare yakho yasekuqaleni ufumene.
(L4)
Ininshuwalense yaseMedigap ineqela leencwadi ezifana ne-Original Medicare-Plans A, B, C, D, F, G, K, L, M ne-N. Oku kunokubonakala kunzima kodwa kukho icala elikhanyayo. I-Medicare imisa ezi zicwangciso. Xa uthengisa ababoneleli be-inshuwalense yabangasese kwi-inshurensi yakwaMedigap, isiCwangciso G sinenzuzo ezifanayo kungakhathaliseki ukuba ngumboneleli. Yonke enokuyithelekisa yintengo kunye nomgangatho wenkampani. Asikho isidingo sokungena kwiiphakheji zokunceda ngenxa yokuba kusekwe yi-Medicare ngaphandle kokuba uhlala eMassachusetts, eMinnesota, okanye kwiWisconsin apho izicwangciso zincinane. Funda kabanzi malunga nezicwangciso ezilapha apha.
Iinkcukacha ezikhawulezileyo Ngomshuwalense waseMedigap
I-Medigap ayiyiyifake indawo ye-Medicare yasekuqaleni. Usadinga iCandelo A kunye neB kwaye kufuneka uqhubeke uhlawula nayiphi na iipriyamu zenyanga eziza kunye nabo.
Uya kuhlawula inkampani yomshuwalense yangasese i-premium ehlukile kwi-Intsurance yakho yeMedigap.
Emva koko, akukho cwangciso seentsapho. Umgaqo-medigap uhlanganisa umntu omnye. Ufuna umgaqo ohlukile kumlingane wakho.
Ukuba uyagula ngeli gxi niniswa ngumgaqo-nkqubo we-Medigap, umgaqo-nkqubo wakho uqinisekisiwe ukuvuselelwa. Awunayo inkxalabo malunga nenkampani yomshuwalense yokukhansela umgaqo-nkqubo ngenxa yemicimbi yakho yempilo.
Iipolisi zeMedigap azigubungeli iziyobisi zonyango. Uzakufuna i-Medicare Part D, kunye ne-premium ehlukeneyo. Unokugqiba ukuhlawula iiprayimari ezininzi ze-Original Medicare, iMigigap, kunye neCandelo D kodwa kubalulekile ukuba ufuna ukukhuselwa kuzo zonke ikhefu.
Ekugqibeleni, iinshurensi yaseMedigap ayifuni ukunakekelwa kwexesha elide, umbono kunye nokunakekelwa kwamazinyo, izibuko zamehlo, izixhobo zokuvalelwa, okanye ezinye iintlobo zobuhlengikazi.
Indlela yokuBhalisa
Ekubeni i-inshurensi yakwaMedigap ithengiswa ngabashurensi bangebucala, kuya kufuneka uhambe ngaphandle kokuthenga kodwa i-Medicare yenza kube lula ngekhasi le-"Medigap Policy Search". Apha ungangena ngolwazi olusisiseko malunga nawe kunye neMedarethi iya kukunika ezininzi iindlela zokukhetha.
UJoseph Graves, ummeli we-inshorensi kunye noMsunguli we-"Inzondo Ukuthenga Inshshurensi," uthi abantu baninzi babhalisa kwiCwangciso F kuba lihlanganisa yonke ikhefu. Yona ixabisa kakhulu kwizicwangciso kodwa kuya kubangela ukuba umntu angakhokheli okanye angayi kuba neendleko zokuphuma ngaphandle. Umntu onempilweni ephilileyo ehlala eMiami, eFlorida angalindela ukuhlawula i-$ 275 yeCwangciso F ngo-2017 ngelixa umntu othile e-Orlando, eFlorida ehlawula i-$ 195.
Ukuba le yenyanga ntlawulo ongeke ukwazi ukuyifumana iiplani ezingabizi kodwa gcina ukhumbula ukuba baya kushiya ezinye ikhefu ezinokubangela imali eninzi kunezinto ozigcinayo kwi-premium.
Cela Uncedo
Ukuchonga izikhalazo zokufikelela kwi-Original Medicare nokukwazi ukuba zeziphi izicwangciso ezibonelela ngexabiso elifanelekileyo kwiimfuno zakho zonyango ziba nzima kwaye kuyinto ongenakukwazi ukuyenza. Thetha kwintengiso ye-inshorensi ekhethekileyo kwi-Medicare ngoncedo.