Kumvetsetsa Chilango Cholowera Kulembetsa ku Medicare

Zamkati

• Kodi chilango cha kulembetsa mochedwa ku Medicare ndi chiani?
• Kodi chilango cha kulembetsa mochedwa mu Gawo A ndi chiani?
• Kodi chilango cha kulembetsa mochedwa mu Gawo B ndi chiani?
• Kodi chilango cha kulembetsa mochedwa mu Gawo C ndi chiani?
• Kodi chilango cha kulembetsa mochedwa mu Gawo D ndi chiani?
• Kodi chilango cha kulembetsa mochedwa ku Medigap ndi chiani?
• Mfundo yofunika

Ngati kusunga ndalama ndikofunikira kwa inu, kupewa chindapusa cholembetsa ku Medicare kungathandize.

Kuchedwetsa kulembetsa ku Medicare kumatha kukupatsani zilango zosakhalitsa zomwe mumapeza pamwezi wanu.

Chilango chakulembetsa mochedwa chingakulitse kwambiri ndalama zomwe mumayenera kulipira gawo lililonse la Medicare kwa zaka.

Kodi chilango cha kulembetsa mochedwa ku Medicare ndi chiani?

Chilango cha Medicare ndi chindapusa chomwe mumalipiritsa ngati simulembetsa ku Medicare mukakhala kuti ndinu oyenera. Kwa anthu ambiri, ili pafupi nthawi yomwe amakhala ndi zaka 65.

Ngakhale mutakhala wathanzi ndipo simukumva kufunika kokhala ndi Medicare, ndikofunikira kuti mulembe nthawi.

Monga ndi inshuwaransi yazaumoyo aliyense, Medicare imadalira anthu omwe sakudwala kuti athandizire pulogalamuyi, kuti ndalama za iwo omwe akudwala kwambiri zitheke.

Kulipiritsa mochedwa kumathandizira kuchepetsa ndalamazi kwathunthu ndikulimbikitsa anthu kuti alembetse panthawi.

Kodi chilango cha kulembetsa mochedwa mu Gawo A ndi chiani?

Anthu ambiri amangoyenera kulandira Medicare Part A kwaulere.

Ngati simunagwire ntchito yokwanira munthawi ya moyo wanu kuti muyenerere ntchitoyi, mutha kugulabe Medicare Part A. Komabe, muyenera kulipira ndalama pamwezi.

Ngati simunalembetsedwe zokha ndipo osalembetsa ku Medicare Part A panthawi yanu yoyamba kulembetsa, mudzalandira chiwongola dzanja chochedwa mukalembetsa.

Ndalama zolipirira mochedwa ndi gawo la 10 la mtengo wamtengo wapamwezi.

Muyenera kulipira ndalama zowonjezera mwezi uliwonse kuwirikiza kawiri zaka zomwe munayenera kulandira Medicare Part A koma osayina.

Mwachitsanzo, ngati mudadikirira kuvomerezeka kwa chaka chimodzi kuti mulembe, mudzalipira ndalama zolipirira mwezi uliwonse kwa zaka ziwiri.

Kodi chilango cha kulembetsa mochedwa mu Gawo B ndi chiani?

Mukuyenera kulandira Medicare Part B kuyambira miyezi itatu musanabadwe zaka 65 mpaka miyezi itatu zitachitika. Nthawi imeneyi imadziwika kuti nthawi yoyamba kulembetsa.

Ngati mukulandira kale maubwino a Social Security, ndalama zanu pamwezi zimachotsedwa pa cheke chanu pamwezi.

Ngati simukupeza phindu la Social Security ndipo simukulembetsa ku Medicare Part B panthawiyi, mudzafunika kulipira ngongole yolembetsa mochedwa limodzi ndi Medicare Part B yolipira mwezi uliwonse.

Muyenera kulipira ndalama zowonjezerazi kwa moyo wanu wonse.

Kulipira kwanu pamwezi kudzawonjezeka ndi 10 peresenti pamwezi uliwonse wa miyezi 12 momwe mukadakhala ndi Medicare Part B koma simunatero.

Ngati mukuyenerera kulembetsa nthawi yapadera ya Medicare Part B, simudzalandira chilango chakumapeto, bola ngati mungalembetse nthawi imeneyo.

Nthawi zolembetsa zapadera zimaperekedwa kwa anthu omwe salembetsa ku Medicare Part B pakulembetsa koyamba chifukwa ali ndi inshuwaransi yazaumoyo kudzera kwa owalemba ntchito, ogwirizana, kapena okwatirana.

Kodi chilango cha kulembetsa mochedwa mu Gawo C ndi chiani?

Medicare Part C (Medicare Advantage) ilibe chiwongola dzanja chochedwa.

Kodi chilango cha kulembetsa mochedwa mu Gawo D ndi chiani?

Mukutha kulembetsa dongosolo la mankhwala a Medicare Part D nthawi yomweyo kuti mukhale oyenera kulembetsa ku Medicare Yoyambirira.

Mutha kulembetsa ku Medicare Part D osapereka chiwongola dzanja chakuchedwa mkati mwa miyezi itatu yomwe imayamba Medicare yanu A ndi B ikayamba kugwira ntchito.

Mukadikira pawindo lino kuti mulembetse, chiwongola dzanja chochedwa cha Medicare Part D chiziwonjezeredwa pamwezi wanu woyamba.

Ndalamayi ndi 1 peresenti ya ndalama zomwe mumalandira mwezi uliwonse, zomwe zimachulukitsidwa ndi kuchuluka kwa miyezi yomwe mwachedwa kulembetsa.

Ndalama zowonjezerazi ndizokhazikika ndipo ziziwonjezedwa pamwezi uliwonse womwe mumalipira malinga ngati muli ndi Medicare Part D.

Ngati mukuyenerera kukalembetsa ndikulembetsa nawo Medicare Part D panthawiyi, simudzalandira chilango. Simulandila chilango ngati mwalembetsa mochedwa koma mukuyenera kulandira pulogalamu ya Thandizo Lina.

Kodi chilango cha kulembetsa mochedwa ku Medigap ndi chiani?

Kulembetsa mochedwa kwa Medigap (mapulani owonjezera a Medicare) sikumakupangitsani kuti mulandire chilango. Komabe, kuti mupeze mitengo yabwino kwambiri ya dongosolo lanu la Medigap, muyenera kulembetsa nthawi yanu yolembetsa.

Nthawi imeneyi imayamba tsiku loyamba la mwezi mutakwanitsa zaka 65 ndikukhala miyezi 6 kuchokera tsiku limenelo.

Ngati mwaphonya kulembetsa, mutha kulipira mtengo wapamwamba kwambiri wa Medigap. Muthanso kukanidwa dongosolo la Medigap mukamaliza kulembetsa nawo ngati muli ndi mavuto azaumoyo.

Mfundo yofunika

Ngati mungayembekezere kulembetsa ku Medicare, mutha kulandira zilango zomwe zimakhala zotsika mtengo komanso zokhalitsa. Mutha kupewa izi posainira Medicare munthawi yake.

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.