Ukubhaliswa okuvulekile kukunceda ukuphucula ukhetho lwakho lweMedare.
Olunye uphando kwizeMpilo lufumene ukuba ama-95 ekhulwini abaxhamli be-Medicare bahlawulwa ngokweqhinga kwiCandelo D izicwangciso zezilwanyana zonyango, ezinye zi-$ 500 ngonyaka.
Iindleko zeMedare ziyakongeza ngaphezu kwexesha. Esi sizathu esihle sokuba izindleko zezempilo zibe yinxalenye yesicwangciso somhlala-phantsi kunye nomcebisi wakho wezemali.
Kwi-Medicare abaxhamliweyo, ukubhaliswa kwamagunya ngunyaka omnye xa unokuthatha inxaxheba ekutshintsheni iimali zakho ngokusebenzisa ukhetho olungcono lwempilo, kuquka ukukhetha kwakho kwiCandelo D izicwangciso zezilwanyana zamachiza okanye izicwangciso ze-Medicare Benevantage.
Cinga ngezi zinto ezilandelayo ezibonisa ukuba lixesha lokubuyela kwisicwangciso sakho seMedare ngexesha lobhaliso lwangonyaka.
I- Medicare Benevantage isicwangciso sitshintsha. Ngokomzekelo, ngo-2014, abathwali be-inshurensi yezempilo bongezelele iiplani ezingama-309 ze-Medicare Benevantage kwaye basusa izicwangciso ezingama-378, ngokwe-Kaiser Family Foundation. Ukongeza, ii-inshurensi zithintela iiprayimari zenyanga kunye nezicwangciso ezithile, ngoko kubalulekile ukuvavanya olu tshintsho ngonyaka.
2. Amanani aya kunyuka, ngamanye amaxesha amaninzi, kwiCandelo D izicwangciso zeziyobisi. Ngokuxhomekeka apho uhlala khona, kunokuba no-40 okanye ngaphezulu kweCandelo D izicwangciso ezikhoyo.
Ukuthengwa phakathi kwayo yonke le mihla kuthatha ixesha kwaye kufuna ukuba ingqalelo kwiinkcukacha. Ewe, kunokubonakala kubulula ukuhlala kunye nesicwangciso esifanayo. Kodwa ngowama-2014, i-6 ye-10 yezona ziqhamo eziqhelanisiweyo zeCandelo D zonyango zibone i-premium zazo zanda ngeepesenti ezili-10 okanye ngaphezulu, kubika uKaiser. Ukwanda kweendleko zamanani aphindwe kabini akukho nto yokunyanyisa.
3. Kusenokuba yisihlandlo sokuphindaphinda iMedigap. Nangona ukubhaliswa kwaminyaka yonke akuvumeli ukuguqulwa kweeplani zeMedigap kwiindawo ezininzi, kusenokuba ixesha lokuphonononga iindleko zesicwangciso esongezelelweyo kunye nokuzifanisa nezinye iiplani zeNzuzo zeMpilo. Izicwangciso zeMedigap ziyakhula rhoqo ngonyaka okanye njengoko ushaya ezinye iimeko ezinzima. Inzuzo enye ye-Medicare yobhaliso yonyaka yinto eyaziwa njengelungelo "lokulinga" ukusebenzisa isicwangciso seMediare Benevantage malunga neenyanga ezili-12. Ukuba awunelisekanga ngeli xesha lelingo, ungabuyela kwisicwangciso seMedigap ngaphandle kokuhlawulwa okanye ukubhalwa phantsi.
4. Iimeko zobuqu ziguquka ngexesha. Ukufa komlingane, utshintsho kwimali engenayo, okanye ezinye iinguqu kwiingqalelo zemali, zonke iziganeko kwisigqibo sakho sokuthengwa kwezempilo. Ukongeza, imeko yakho yezempilo ingatshintshwa kwiinyanga ezili-12 ezidlulileyo okanye iinkqubo zonyango zingalindelwa kwiinyanga ezili-12 ezizayo. Ezi zinto kufuneka ziqwalaselwe, kwaye iimfuno zononophelo zempilo ezahlukileyo phakathi kwamabini kufuneka ziqwalaselwe. Ngamanye amaxesha elinye iqabane linomsebenzi obanzi ngeMigigap kunye neCandelo D, kodwa umlingane onokuncitshiswa kweemfuno zonyango angadluliselwa (kunye nokuhlawula iiprayimari ezinkulu). I-Medicare Benevantage ingabonelela ngenye indlela eyongezekileyo kumlingane kunye neemfuno zonyango.
Ngokucacileyo, i-Medicare yinto ekhethekileyo yokuzikhethela. Kukho ezininzi, izizathu ezininzi zokuhlaziya i-postage ngexesha lobhaliso lwabafundi bonyaka. Abathwali bomshuwalense wezempilo 'baqhubeka beguqula iminikelo yabo, amaxabiso kunye nemigangatho, njengemichiza yemichiza yemithi. Oko kuthetha ukuba ukhetho oluqilileyo lungongeza kwixesha elide.
Iindaba ezilungileyo: Amanqanaba okuBhaliswa kweMpilo
Iindaba ezilungileyo kukuba i-Medicare yobhaliso ngonyaka-Oct. 15 ukuya kuDisemba 7-lixesha eliphambili lokujonga ngokucwangcisekileyo kwizicwangciso ezikhoyo kuwe. Kwakhona kubalulekile ukuqonda ukuba kukho uncedo olwenziwe ukwenza oku kuthelekiswa kunye nokukhetha. Iinkonzo ze-intanethi ezifana neprogram ye-Allsup's Medicare Advisor ziyafumaneka ngenkokhelo. Unokuzama kwakhona i-OneExchange kwi-Online Medicare Plat Selection tool, okanye qhagamshelana nomthengisi we-inshurensi yempilo yendawo ukuze akuncedise ukukhetha ngokukhetha kwakho.
Ukunyamekela ukhathalelo lwempilo kunokunika ixabiso elikhulu ngemali yabaxhamli be-Medicare.
Ngendlela yokuqwalasela kule nkcazo yeMedare, abaninzi abaxhamli beMedare bafumana izibonelelo ezibalulekileyo kunye nokulondoloza indleko ngokuthatha inyathelo kunye nokuphonononga ukhetho lwabo lweMedare.
Eli nqaku liza kuthimba i-Allsup , umboneleli weSizwe soKhuseleko loLuntu, isikhalazo sokukhubazeka, isicwangciso sokutshintshana kunye neenkonzo zeMedare, kubandakanya i-Allsup Medicare Advisor®, ngabanye, abaqeshi kunye nabathwali-nkonzo .