Kodi Medicare Imapereka Kupeza Kwawo?

Zamkati

• Kodi malamulo ndi otani okhudzana ndi kufalitsa kwa Medicare ndi okwatirana?
• Nanga bwanji ngati wokondedwa wanga ali wamkulu kuposa ine, ndipo amakwaniritsa zofunikira makumi anayi?
• Nanga bwanji ngati wokondedwa wanga ali wamkulu kuposa ine, ndipo ndikwaniritsa zofunikira makumi anayi?
• Kodi pali malamulo kapena mapindu a okwatirana ena?
• Ndi magawo ati a Medicare omwe nditha kugawana ndi mnzanga?
• Kodi maziko a Medicare ndi ati?
• Kodi zaka zoyenerera za Medicare ndi ziti?
• Nthawi zofunikira za Medicare
• Kutenga

Medicare ndi njira ya inshuwaransi ya munthu payekha, koma pamakhala nthawi zina pamene kuyenerera kwa wokwatirana naye kumatha kuthandiza mnzake kulandira maubwino ena.

Komanso, ndalama zomwe inu ndi mnzanu mumapanga kuphatikiza zingakhudze ndalama zanu za inshuwaransi za Medicare Part B.

Pitirizani kuwerenga kuti mudziwe momwe inu kapena mnzanuyo mungakwaniritsire kupeza Medicare kutengera mbiri yakale ya ntchito ndi zaka.

Kodi malamulo ndi otani okhudzana ndi kufalitsa kwa Medicare ndi okwatirana?

Medicare ndi phindu kwa anthu omwe adagwira ntchito ndikulipira misonkho yachitetezo cha anthu pafupifupi 40 kotala, yomwe ili pafupifupi zaka 10.

Ngati wokwatirana naye sanagwire ntchito, atha kukhala oyenerabe kupeza Medicare Part A kutengera mbiri yakugwira ntchito kwa omwe ali ndi zaka 65.

Kuti muyenerere kupeza maubwino a Medicare Part A ali ndi zaka 65 kutengera mbiri yaku ntchito ya mnzanu, muyenera kukwaniritsa chimodzi mwazofunikira:

• Mwakwatirana ndi mnzanu yemwe akuyenerera kulandira mapindu a Social Security kwa chaka chimodzi musanapemphe thandizo la Social Security.
• Mwasudzulana, koma mudakwatirana ndi mkazi kapena mwamuna kwa zaka zosachepera 10 amene akuyenererana ndi Social Security. Mukuyenera tsopano kukhala osakwatiwa kuti mulembetse phindu la Medicare.
• Ndinu amasiye, koma munakwatirana kwa miyezi yosachepera 9 mkazi kapena mwamuna wanu asanamwalire, ndipo amayenerera phindu la Social Security. Mukuyenera tsopano kukhala osakwatira.

Ngati simukudziwa kuti mwakwaniritsa zofunikira zina, mutha kulumikizana ndi Social Security Administration pakuyimbira 800-772-1213. Muthanso kuyendera Medicare.gov ndikugwiritsa ntchito zowerengera zawo zoyenera.

Nanga bwanji ngati wokondedwa wanga ali wamkulu kuposa ine, ndipo amakwaniritsa zofunikira makumi anayi?

Ngati mnzanu ali wamkulu kuposa inu, adzalandira mwayi wa Medicare ali ndi zaka 65.

Mutha kulandira maubwino a Medicare koyambirira pang'ono ngati muli ndi zaka zosachepera 62, wokwatiwa ndi munthu wazaka 65, komanso munagwira ntchito kotala 40 ndipo mudalipira misonkho ya Medicare.

Ngati simukukwaniritsa zofunikirazi, mutha kukhala oyenera kulandira Medicare Part A, koma muyenera kulipira gawo A mpaka mutakwanitsa zaka 62.

Ngati simunagwire ntchito kapena kukwaniritsa zofunikira makumi anayi, mungafunike kudikirira mpaka zaka 65 kuti mulandire chithandizo chothandizidwa ndi mnzanu.

Nanga bwanji ngati wokondedwa wanga ali wamkulu kuposa ine, ndipo ndikwaniritsa zofunikira makumi anayi?

Tsopano tiyeni tiwone pamene mnzanu ali wamkulu kuposa inu ndi mnzanuyo simunakwaniritse zofunikira makumi anayi, koma inu mumatero.

Mukakwanitsa zaka 62 ndipo mnzanu ali ndi zaka 65, mkazi kapena mwamuna wanu amatha kulandira maubwino a Medicare.

Mpaka mutakwanitsa zaka 62, mnzanu akhoza kulandira Medicare Part A, koma azilipira ndalama zoyambirira ngati sakukwaniritsa magawo 40 a ntchito.

Kodi pali malamulo kapena mapindu a okwatirana ena?

Ndikofunika kudziwa kuti ngati mnzanu wataya inshuwaransi yachinsinsi kapena yogwira ntchito ndipo simunakwanitse zaka 65, pali mapulogalamu ena a inshuwaransi omwe angakuthandizeni.

Mutha kulumikizana ndi State Health Insurance Assistance Program (SHIP) kuti mulandire upangiri waulere pa zaumoyo.

Mutha kudziwa ngati ndalama zomwe mumapeza kapena thanzi lanu zimakuyenererani ku mapulogalamu ena a feduro monga Medicaid.

Ndi magawo ati a Medicare omwe nditha kugawana ndi mnzanga?

Phindu la mnzakeyo limagwira makamaka mu Gawo A la Medicare (pitilizani kuwerenga kuti mumve zomwe ziwalo zonse zimafotokoza).

Simungagule kuphimba kwa mabanja gawo lina lililonse la Medicare. Muyenera kulipira magawo enawo payekha.

Komabe, ndikofunikira kulingalira zonse zomwe mungasankhe pakuwunikira kwa Medicare ndi zomwe zingagwire bwino ntchito pazosowa zanu. Chimodzi mwazomwe mungasankhe ndi Medicare Advantage (Gawo C), lomwe limalumikiza Gawo A ndi Gawo B limodzi ndikupereka zowonjezera ndi maubwino.

Ngati zowonjezera zowonjezera, monga mano, masomphenya, kapena chisamaliro chakumva, ndizofunikira kuti mukhale ndi thanzi labwino, ganizirani ngati Medicare yoyambirira kapena Medicare Advantage ingakuthandizireni bwino.

Kodi maziko a Medicare ndi ati?

Boma la feduro lakonza kuti Medicare ikhale ngati menyu ya "la la carte" komwe mungasankhe mitundu yosiyanasiyana.

Mitundu iyi ikuphatikizapo:

• Gawo A. Gawo A limapereka chithandizo chogona kuchipatala ndi zina zokhudzana nazo mukakhala mchipatala, monga chakudya, mankhwala, ndi chithandizo chamankhwala.
• Gawo B. Gawo B limapereka chithandizo chamankhwala kuchipatala kukawaona odwala ndi maulendo azachipatala okhudzana ndi odwala. Muyenera kulipira ndalama pamwezi pamsonkhanowu, ndipo zimadalira kuchuluka kwa zomwe inu ndi mnzanu mumapanga pachaka.
• Gawo C. Gawo C limadziwikanso kuti Medicare Advantage. Mitunduyi ikuphatikiza ntchito kuchokera ku Gawo A ndi Gawo B, koma atha kukhala ndi malamulo ndi zofunikira zosiyanasiyana pazomwe angalandire chisamaliro chaumoyo. Izi zitha kupanganso zina zowonjezera, monga masomphenya ndi mano.
• Gawo D. Gawo D limapereka chithandizo chamankhwala mosiyanasiyana. Mumagula ndalamazi kudzera kuma inshuwaransi apadera.
• Kusinkhasinkha. Medigap, yomwe imadziwikanso kuti Mapulani a Medicare Supplement, itha kubweza zina mwa zotuluka kunja kwa thumba ndi Medicare ndipo imaperekedwa kudzera pa inshuwaransi yaokha. Zitsanzo zimaphatikizapo kubweza ngongole za inshuwaransi.

Mutha kungoyenerera kulandira phindu la wokwatirana naye ku Medicare Part A. Magawo ena a Medicare safuna mbiri yakugwira ntchito, ndipo ali ndi zolipira zokhudzana ndi kufalitsa kwawo.

Kodi zaka zoyenerera za Medicare ndi ziti?

Nthawi zambiri, munthu amayenerera Medicare ali ndi zaka 65.

Pali zina kusiyanasiyana, kuphatikiza anthu ochepera zaka 65 omwe adokotala amawaona kuti ndi olumala, ali ndi matenda am'magazi (ESRD), kapena ali ndi amyotrophic lateral sclerosis (ALS).

Anthu omwe amakwaniritsa zofunikirazi akhoza kulandira Medicare Part A asanakwanitse zaka 65.

Monga tafotokozera pamwambapa, mutha kuyeneranso kulandira Medicare Part A musanakwanitse zaka 65, ngati mnzanu ali ndi zaka 65 ndipo akuyenerera.

Nthawi zofunikira za Medicare

• Pafupifupi zaka 65 zakubadwa. Muli ndi miyezi isanu ndi iwiri kuti mulembetse ku Medicare - miyezi itatu mwezi wanu wobadwa usanathe komanso miyezi itatu mutabadwa. Mutha kukawona cholembera choyenera cha Medicare cha masiku apadera omwe tsiku lanu lobadwa limagwera kalendala.
• Januware 1 mpaka Marichi 31. Iwo omwe sanalembetse ku Medicare panthawi yazaka 65 zakubadwa amatha kulembetsa "Nthawi Yolembetsa Yonseyi" Ayenera kulipira chindapusa chomwe chimawonjezeredwa pamtengo wawo wa Part B kuti adzalembetse pambuyo pake.
• April 1 mpaka June 30. Nthawi yanthawi yomwe mutha kuwonjezera dongosolo la Medicare Advantage kapena Medicare Part D ngati mungasankhe.
• October 15 mpaka December 7. Iyi ndi nthawi yolembetsa pachaka yotsegulira Medicare Advantage ndi Medicare Part D. Zolinga zatsopano zidzayamba kugwira ntchito pa Januware 1.

Kutenga

Malingaliro ambiri a Medicare ndi okwatirana ali pafupi ndi Medicare Part A, yomwe ndi gawo la inshuwaransi lomwe limakhudza kuyendera zipatala.

Magawo enawo amapezeka munthu atakwanitsa zaka 65 ndikuvomera kulipira ndalama za inshuwaransi.

Ngati muli ndi mafunso enanso okhudza maubwino a Medicare, mutha kuyimbira Social Security Administration (SSA) pa 800-772-1213 kapena pitani ku ofesi ya SSA yakwanuko kuti mumve zambiri.

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.

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