Kodi Medicare Imagwira Bwanji Mukapuma pantchito?

Zamkati

• Kodi Medicare amatani atapuma pantchito?
• Bwanji ngati mupitiliza kugwira ntchito?
• Nthawi yolembetsa
• Kupanga bajeti ya Medicare mukapuma pantchito
• Momwe Medicare imagwirira ntchito ndi mapulani ena
• Mapulogalamu a Medicare atapuma pantchito
• Gawo A
• Gawo B
• Nthawi Yofunika Kwambiri ya Medicare
• Gawo C (Medicare Advantage)
• Gawo D
• Chithandizo cha Medicare (Medigap)
• Kutenga

• Medicare ndi pulogalamu yaboma yomwe imakuthandizani kulipira chithandizo chamankhwala mukafika zaka 65 kapena ngati muli ndi matenda ena.
• Simuyenera kulembetsa mukadzakwanitsa zaka 65 ngati mupitiliza kugwira ntchito kapena mutakhala ndi zina.
• Kulembetsa mochedwa kapena ayi kungakupulumutseni ndalama pamalipiro apamwezi koma kumatha kuwononga ndalama zambiri pachilango pambuyo pake.
• Kukonzekera musanapume pantchito kungakuthandizeni kuti musamalipire ndalama zambiri mukapuma pantchito.

Medicare ndi pulogalamu ya inshuwaransi yazaumoyo yomwe muyenera kulandira mukakwanitsa zaka 65. Izi zitha kukhala zaka zopumira pantchito kwa anthu ena, koma ena amasankha kupitiliza kugwira ntchito pazifukwa zambiri, zachuma komanso zawokha.

Mwambiri, mumalipira Medicare pamisonkho pazaka zanu zogwira ntchito ndipo boma limatenga gawo limodzi lazolipira. Koma magawo ena a pulogalamuyi amabwerabe mwezi uliwonse komanso zolipirira mthumba.

Pitilizani kuwerenga kuti muthandizidwe posankha Medicare. Tionanso momwe izi zingasinthire ngati mungasankhe kupitiriza kugwira ntchito, mtengo wake, komanso momwe mungapewere zilango mukachedwa kulembetsa.

Kodi Medicare amatani atapuma pantchito?

Zaka zopuma pantchito si nambala yomwe idayikidwa pamiyala. Anthu ena atha kukhala ndi mwayi wopuma pantchito molawirira, pomwe ena amafunikira - kapena akufuna - kuti azigwirabe ntchito. Zaka zapakati pantchito ku United States mu 2016 zinali 65 kwa amuna ndi 63 za akazi.

Mosasamala kanthu komwe mukufuna kupuma pantchito, Medicare yakhazikitsa zaka 65 ngati poyambira phindu lanu laboma. Medicare siyokakamizidwa mwaukadaulo, koma mutha kukumana ndi ndalama zazikulu mukakana kulembetsa. Muthanso kukumana ndi ndalama zowonjezera komanso zilango mukasankha kuchedwa kulembetsa.

Ngati mwasankha kupuma pantchito msanga, mudzakhala nokha kuti mupeze chithandizo chamankhwala pokhapokha mutakhala ndi mavuto azaumoyo. Kupanda kutero, mumalangizidwa kuti mulembetse mapulogalamu a Medicare miyezi ingapo musanabadwe kapena mutatha zaka 65. Pali malamulo ndi madongosolo enieni a mapulogalamu osiyanasiyana a Medicare, omwe afotokozedwa munkhaniyi.

Ngati mupitiliza kugwira ntchito mutakwanitsa zaka 65, malamulo osiyanasiyana amagwiritsidwa ntchito. Momwe mungalembetsere ndikudalira mtundu wanji wa inshuwaransi yomwe muli nayo kudzera kwa abwana anu.

Bwanji ngati mupitiliza kugwira ntchito?

Ngati mungaganize - kapena mukufuna - kuti mupitirize kugwira ntchito mukatha msinkhu wopuma pantchito, zosankha zanu momwe mungalembetsere Medicare zimasiyana.

Ngati muli ndi chithandizo chamankhwala kuchokera kwa abwana anu, mutha kupitiliza kugwiritsa ntchito inshuwaransi yaumoyo. Chifukwa mumalipira Medicare Part A mumisonkho mzaka zanu zonse zogwira ntchito, anthu ambiri samalipira mwezi uliwonse mwezi ukangoyamba kumene.

Nthawi zambiri mumangolembetsa nawo gawo A mukamakwanitsa zaka 65. Ngati simukutero, palibe chilichonse kuti mulembetse. Ngati muli ndi inshuwaransi yakuchipatala kudzera kwa omwe amakulemberani ntchito, ndiye kuti Medicare imatha kulipira ngati ndalama zachiwiri zomwe simunakwanitse ndi inshuwaransi ya abwana anu.

Magawo ena a Medicare amakhala ndi nthawi zolembetsa - ndi zilango ngati simulembetsa pamasiku amenewo. Ngati muli ndi pulani ya inshuwaransi kudzera kwa abwana anu chifukwa mukugwirabe ntchito, mutha kuyenerera kulembetsa mochedwa munthawi yolembetsa ndikupewa zilango zilizonse.

Kambiranani mapulani anu opuma pantchito musanapite tsiku lanu lopuma pantchito ndi woyang'anira mapindu kuntchito kwanu kuti mudziwe nthawi yoyenera kulembetsa Medicare. Angakupatseninso maupangiri amomwe mungapewere zilango kapena ndalama zowonjezera zowonjezera.

Nthawi yolembetsa

Mukasankha kulembetsa ku Medicare zimadalira pazinthu zingapo.

• Ngati mwapuma pantchito kale ndipo mukuyandikira zaka 65 zakubadwa, muyenera kukonzekera kulembetsa ku Medicare mukangoyenera kupewa zilango zolembetsa mochedwa.
• Ngati mukugwirabe ntchito ndipo muli ndi inshuwaransi kudzera kwa owalemba ntchito, mutha kusankha kuti mutenge nawo gawo A chifukwa mwina simusowa kulipira. Mwinanso mungafune kudikirira kuti mulembetse mapulogalamu ena a Medicare omwe angakulipitseni ndalama zolipirira mwezi ndi mwezi.
• Anthu omwe akupitiliza kugwira ntchito ndikukhala ndi inshuwaransi yazaumoyo kudzera kwa owalemba ntchito, kapena omwe ali ndi anzawo ogwira nawo ntchito omwe ali ndi inshuwaransi yazaumoyo, nthawi zambiri amayenera kulembetsa ndipo amatha kupewa kulipira mochedwa.
• Ngakhale mutakhala ndi inshuwaransi kudzera mu pulogalamu ya olemba anzawo ntchito, mungafunenso kulingalira zoyambira kufalitsa kwa Medicare chifukwa zimatha kubweza ndalama zomwe simunalipire ndi pulani yoyamba.

Ntchito yanu (kapena mnzanu) ikamalipira, mudzakhala ndi miyezi 8 kuti mulembetse ku Medicare ngati mwasankha kuchedwa kulembetsa.

Pofuna kupewa zilango zolembetsa mochedwa, ingochedwetsani kulembetsa ku Medicare ngati mungakhale oyenerera kulembetsa. Ngati simukuyenerera, chilango chanu cholembetsa mochedwa chikhala kwa nthawi yonse yomwe mukufalitsa Medicare.

Kupanga bajeti ya Medicare mukapuma pantchito

Anthu ambiri salipira mwezi uliwonse gawo la A, komabe mudzayenera kukonzekera kulipira gawo la ndalama zanu zakuchipatala mukalandiridwa kuchipatala kukasamalidwa.

Magawo ena a Medicare, monga Gawo B, amabweranso ndi ndalama zomwe zimatha kuwonjezera. Muyenera kulipira ndalama pamwezi, zolipiritsa, zolipirira ndalama, ndi zochotseredwa. Mu 2016, a Medicare omwe adalembetsa adalipira $ 5,460 pachaka pazachipatala, malinga ndi Kaiser Family Foundation. Mwa ndalamazo, $ 4,519 adapita kumalipiro ndi ntchito zaumoyo.

Mutha kulipira ndalama zoyambira ndi ndalama zina za Medicare m'njira zingapo. Ngakhale mutha kuwerengera ndalama ndikusungira chithandizo chamankhwala m'moyo wanu wonse, mapulogalamu ena atha kuthandiza:

• Kulipira ndi Social Security. Mutha kuchotsera ndalama zomwe mumalandira ku Medicare kuchokera ku Social Security. Kuphatikiza apo, zodzitchinjiriza zina zimatha kupititsa patsogolo kuwonjezeka kwa premium yanu kuchokera kupitilira mtengo wanu wamoyo kuchokera ku Social Security. Izi zimadziwika kuti ndizosavulaza, ndipo zimatha kukupulumutsirani ndalama chaka ndi chaka pamalipiro anu.
• Mapulogalamu Osungira Mankhwala. Mapulogalamu abomawa amagwiritsa ntchito madola a Medicaid ndi ndalama zina kukuthandizani kulipira ndalama za Medicare.
• Thandizo Lina. Pulogalamu Yowonjezera imapereka thandizo lina kulipira mankhwala akuchipatala pansi pa Gawo D.
• Musachedwetse kulembetsa kwanu. Kuti musunge ndalama zambiri pamtengo wanu wa Medicare, onetsetsani kuti mukuyenera kulembetsa musanachedwe kulembetsa.

Momwe Medicare imagwirira ntchito ndi mapulani ena

Ngati inu kapena mnzanu mukupitiliza kugwira ntchito, kapena ngati muli ndi wopuma pantchito kapena wothandizidwa ndi inshuwaransi yazaumoyo, mutha kugwiritsa ntchito izi limodzi ndi phindu lanu la Medicare. Mapulani anu am'magulu ndi Medicare adzafotokozera omwe amalipira wamkulu ndi omwe amalipira kwachiwiri. Malamulo owerengera amasiyana malinga ndi momwe woperekayo amapangira komanso malire anu.

Ngati muli ndi pulogalamu ya inshuwaransi yolembedwa ndi olemba anzawo ntchito ndipo mwalembetsanso ku Medicare, omwe amakupatsani inshuwaransi ya chinsinsi kapena omwe amakhala pagulu nthawi zambiri amalipira. Medicare ndiye amakhala wolipirayo wachiwiri, ndikuphimba ndalama zomwe mapulani ena salipira. Koma chifukwa choti muli ndi Medicare ngati wolipira wachiwiri sizitanthauza kuti zidzakwaniritsa ndalama zonse zotsalira zaumoyo.

Ngati mwapuma pantchito koma muli ndi chindapusa kudzera mu pulani ya omwe adapuma pantchito kuchokera kwa omwe kale munalemba ntchito, ndiye kuti Medicare nthawi zambiri imakhala yolipira. Medicare idzakulipirani ndalama zomwe mudalipira poyamba, kenako dongosolo lanu lopuma pantchito lidzalipira zonse zomwe zimaphimba.

Mapulogalamu a Medicare atapuma pantchito

Mapulogalamu a Medicare amatha kukuthandizani posamalira pantchito yanu panthawi yopuma pantchito. Palibe iliyonse yamapulogalamuwa yomwe ili yovomerezeka, koma kusankha kunja kumatha kukhala ndi zotsatirapo zabwino. Ndipo ngakhale ali osankha, kulembetsa mochedwa kumatha kukuwonongerani.

Gawo A

Gawo A ndi gawo la Medicare lomwe limakhudza chithandizo chanu chamankhwala komanso kuchipatala. Anthu ambiri amayenera kulandira Gawo A popanda kulipiritsa pamwezi, koma ndalama zina monga zolipiritsa ndi zochotseredwa zimagwirabe ntchito.

Kulembetsa mu Gawo A nthawi zambiri kumangodziwonekera, koma nthawi zina, mumayenera kulembetsa nokha. Ngati mukuyenerera ndipo simunalembetsedwe, kulembetsa Gawo A mochedwa kudzakulipirani gawo limodzi la magawo khumi a ndalama zomwe mumalandira pamwezi kawiri pamwezi womwe mwachedwa kusaina.

Gawo B

Ili ndiye gawo la Medicare lomwe limalipira chithandizo chamankhwala monga kupita ndi dokotala. Kulembetsa koyambirira kwa Medicare Part B kuyenera kuchitika miyezi itatu isanakwane kapena mutatha zaka 65.

Mutha kulepheretsa kulembetsa ngati mungasankhe kupitiliza kugwira ntchito kapena kukhala ndi zina, ndipo mutha kupewa zilango ngati mukuyenera kulembetsa. Palinso nthawi yolembetsa komanso nthawi yotseguka ya Medicare Part B.

Ngati mungalembetse mochedwa Gawo B ndipo simukuyenerera kukhala ndi nthawi yolembetsa yapadera, ndalama zanu zoyambirira zidzawonjezedwa ndi 10 peresenti pamiyezi 12 iliyonse yomwe simunalandire Gawo B. Chilango ichi chikuwonjezeredwa pamtengo wanu wa Part B panthawi yonse yomwe mukufalitsa Medicare Part B.

Nthawi Yofunika Kwambiri ya Medicare

• Kulembetsa koyamba. Mutha kupeza Medicare mukamayandikira zaka 65 zakubadwa. Kulembetsa koyamba ndi nthawi ya miyezi 7 yomwe imayamba miyezi itatu musanakwanitse zaka 65 ndipo imatha miyezi 3 pambuyo pake. Ngati mukugwira ntchito pakadali pano, mutha kupeza Medicare mkati mwa miyezi 8 mutapuma pantchito kapena mutasiya ntchito ya inshuwaransi ya gulu la abwana anu ndikupewa zilango. Mutha kulembetsanso dongosolo la Medigap nthawi iliyonse mkati mwa miyezi isanu ndi umodzi yomwe imayamba ndi tsiku lanu lobadwa la 65.
• Kulembetsa wamba. Kwa iwo omwe amaphonya kulembetsa koyambirira, nthawi idakalipo yolembera Medicare kuyambira Januware 1 mpaka Marichi 31 chaka chilichonse. Koma mutha kupatsidwa ndalama zakulembetsa mochedwa ngati musankha izi. Munthawi imeneyi, mutha kusintha kapena kusiya dongosolo lanu la Medicare kapena kuwonjezera dongosolo la Medigap.
• Tsegulani olembetsa. Mutha kusintha mapulani anu nthawi iliyonse kuyambira Okutobala 15 mpaka Disembala 7 pachaka.
• Kulembetsa zowonjezera za Medicare. Kuyambira pa Epulo 1 mpaka Juni 30 mutha kuwonjezera chithandizo chamankhwala cha Medicare Part D pakupezeka kwanu kwa Medicare.
• Kulembetsa mwapadera. Ngati muli ndi chochitika choyenera, kuphatikiza kutaya chithandizo chamankhwala, kusamukira kumalo osiyana, kapena kusudzulana, mutha kuyenerera kulembetsa ku Medicare popanda chindapusa kwa miyezi 8 kutsatira izi.

Gawo C (Medicare Advantage)

Medicare Part C ndi inshuwaransi yapadera yomwe imaphatikiza zonse zomwe zidapangidwa mu magawo A ndi B, kuphatikiza mapulogalamu ena osankhika monga Gawo D. Popeza ichi ndi chinthu chosankhika, palibe chindapusa cha olembetsa moyenera kapena chofunikira kuti mulembetse gawo C. Zilango omwe amalipiritsa polembetsa mochedwa m'magawo A kapena B payekhapayekha atha kulembetsa.

Gawo D

Medicare Part D ndi mankhwala omwe amaperekedwa ndi Medicare. Nthawi yoyamba kulembetsa Medicare Part D ndi yofanana ndi madera ena a Medicare.

Ili ndi pulogalamu yodzifunira, komabe pali chindapusa ngati simulembetsa mkati mwa miyezi ingapo kuchokera tsiku lanu lobadwa la 65. Chilango ichi ndi 1 peresenti ya ndalama zomwe mumalandira pamwezi uliwonse, zomwe zimachulukitsidwa ndi kuchuluka kwa miyezi yomwe simunalembetsedwe mutangoyamba kumene. Chilangochi sichitha ndipo chimangowonjezeredwa pamwezi wanu pamwezi mukamaphunzira.

Chithandizo cha Medicare (Medigap)

Medicare Supplement, kapena Medigap, mapulani ndi zinthu za inshuwaransi zachinsinsi zomwe zimathandizira kulipira ndalama za Medicare zomwe nthawi zambiri mumalipira m'thumba. Izi ndizosankha ndipo palibe zilango zakulephera kusaina; komabe, mudzapeza mtengo wabwino kwambiri pamapulaniwa ngati mungalembetse nthawi yoyamba kulembetsa yomwe imatha miyezi 6 mutakwanitsa zaka 65.

Kutenga

• Boma likuthandizira kupereka ndalama zothandizira pantchito zanu zaumoyo mutakwanitsa zaka 65.
• Ngati mupitiliza kugwira ntchito, mutha kuchedwetsa kulembetsa nawo mapulogalamuwa kapena kulipilira chithandizo chamankhwala pothandizana ndi mapulogalamu aboma komanso achinsinsi kapena olemba anzawo ntchito.
• Ngakhale ndi mapulogalamu awa, mutha kukhala nawo gawo pazomwe mungalandire pazachipatala.
• Konzani zamtsogolo pantchito yanu yopuma pantchito kuti mupewe kukwera mtengo kapena kulipira mochedwa, makamaka momwe angagwiritsire ntchito mapulogalamu a Medicare.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.