Yintoni i-Medicare? Ingqwalaselo yeeNzuzo kunye neendleko

I-Medicare inzima. Nantsi inkcazo yokuba isebenza njani.

Xa ufikelela kuma-65, umhlaba we-inshorensi yempilo utshintsha. Ufanelekile kwi-Medicare, inkqubo ye-inshurensi yempilo yaseburhulumenteni yase-US kubantu abaneminyaka engama-65 nangaphezulu. Uninzi lwabantu luya kufuna ukusebenzisa i-Medicare iinyanga ezimbalwa ngaphambi kokufikelela kuma-65 ubudala.

I-Medicare inamalungu amane, Ingxenye A, B, C no-D. nganye inxalenye iquka izinto ezahlukeneyo. I-Medicare epheleleyo ayigubungele yonke iindleko zonyango lwakho, ngoko ke abaninzi abahlala phantsi baya kufuna uncedo olongezelelweyo ngendlela ye-Medicare Supplement policy okanye iSicwangciso seNzuzo ye-Medicare, kunye nolunye uhlobo lwe-inshorensi yokunakekelwa kwexesha elide.

ZeMediare Basics

Ukhuseleko lweMedare kuqala luqala ngeCandelo A kunye noB.

• Icandelo A libhekiswa njenge-inshorensi yesibhedlele. Oku kukhululekileyo kubantu abaninzi.
• Icandelo B libhekiswa njenge-inshorensi yonyango. Iquka iinkonzo ezongezelelweyo kunye neempahla ezifunekayo ukuze unyango lweemeko zonyango kwakunye nezinye iinkonzo zokuthintela. Uhlawula i-premium yenyanga yeNgxenye B.

Iingxenye ze-Medicare A kunye noB ziquka oko kuthethwa ngokuba yi- Medicare yasekuqaleni . Lindela i-Medicare yasekuqaleni ukukhupha malunga ne-50% yeendleko zakho zonyango zonke zezempilo; ikakhulu iinkonzo eziyimfuneko kunye neenkonzo zokukhusela. Ukufumana ukuba inkonzo ikhutshwe ungayisebenzisa "uvavanyo lwam, into okanye inkonzo ehlanganisiwe" kwiwebhusayithi yeMedare.

Nge-Medicare yasekuqaleni, njengokuba kuninzi nezinye izicwangciso ze-inshorensi, usenayo i-deductibles, uhlawula imali, kunye neendleko zenkxaso-mali kunye neendleko zonyango. Yilapho i-Medicare Parts C ne-D ifika khona-inikezela ngeenkcukacha ezongezelelweyo ongayithenga.

• Icandelo C libizwa ngokuba yi- Medicare Advantage Plan , okanye iPrint Health Health Plan. I-inshurensi yabucala ebonelela ngegalelo kwisicwangciso esisodwa esibandakanya i-Medicare Parts A ne-B, kwaye ingaquka kwakhona ukukhutshwa kwezidakamizwa (iCandelo D). Izicwangciso ze-Medicare Benevantage zingabandakanya iinkonzo ezongezelelweyo ezinjengombono, amazinyo kunye nokuva. Ezi zicwangciso zinokuhlawula ngaphantsi kwamanye amanyathelo ukuba awunayo imfuno zonyango rhoqo.

• Icandelo D libhekiselele kwingxelo yokusetyenziswa kweziyobisi ezinokubangela ukuba ungeze kwi-Basic Medicare Part A kunye neB.

Xa ubhalisa kwi-Medicare uya kufuneka ugqibe isigqibo sokuba ufuna i- Original Medicare okanye iSicwangciso seNzuzo ye-Medicare . Indawo yakho, uhlahlo lwabiwo-mali, inani lokuhamba, kunye nabanikezeli bezononophelo baya kufuneka baqwalaselwe xa besenza isigqibo.

Ngaba ndifanelekile kwi-Medicare?

Ukuze ufaneleke kwi-Medicare kufuneka ube:

• Ungene eMelika ngokusemthethweni
• Wahlala e-US iminyaka emi-5
• I-Medicare iphinda isebenze kubantu abangaphantsi kweminyaka engama-65 abanokukhubazeka abathile, kunye nabantu banoma yiyiphi iminyaka abanesifo esingapheliyo sezintso.

Kubiza malini ukubhalisa kwi-Medicare?

I-Medicare Icandelo A - Uninzi lwabantu alukho ukuhlawula i-premium yenyanga ye-Medicare Part A kuba bona okanye iqabane lihlawula irhafu ye-Medicare ngelixa lisebenza e-United States, kwaye linama-40 okanye ngaphezulu kwekota ye-Medicare. Ukuba awuzitholi ngokuzenzekelayo Ingxenye ye-A ye-premium, ungasakwazi ukubhalisa, uhlawule i-premium. Ngo-2016 iNgxenye ye-A premium yi-$ 411 ngenyanga ngenyanga yabantu abangenako ukufumana i-inshurensi yaseburhulumenteni engenazo i-premium kunye ne-quarters engaphantsi kwe-30 yengqesho.

I-Medicare Ingxenye B - Kwababhalisa kwi-Medicare ngo-2016, uya kuhlawula umvuzo oqhelekileyo we-Medicare Part B we-$ 121.80 ngenyanga ngaphandle kokuba ulungiso olulungelelanisiweyo lwemali engenayo lukhulu kunama-85,000 ayi-one-dollar kwi-filers enye / i-170,000 yezigidi zeefayile ezihlangeneyo.

I-Medicare Part B kunye ne-D zeprayimari zithetha ukuvavanywa ukwenzela ukuba ingeniso yakho ingaphezu kwezi mali uya kuhlawula i-premium ephezulu.

I-Medicare Ingxenye C - Iimali zeeNyanga zeMedare yeNzuzo yeziNzuzo ziyahluka. Ungasebenzisa ithuluzi lokufumana isicwangciso se-intanethi ukukhangela indawo yakho kwaye ubone iiprayimari ezilinganisiweyo kunye neenzuzo.

Iiprogram zokuNcedisa i-Medicare - Ukuba uhamba ne-Original Medicare mhlawumbi uya kufuna ukuthenga umgaqo-nkqubo we-Medicare Supplement, ngamanye amaxesha ubizwa ngokuthi "iMigigap" nkqubo. Iintlawulo zeeNyanga zihluka ngoxhomekeke kwisicwangciso okhethayo.