Kodi Ndikufunika Kukonzanso Medicare Chaka chilichonse?

Zamkati

• Kodi Medicare imangokonzedwanso chaka chilichonse?
• Kodi chidziwitso chosakonzanso ndi chiyani?
• Kodi chidziwitso cha pachaka chosintha ndi chiyani?
• Kodi ndingapeze bwanji dongosolo labwino kwambiri kwa ine?
• Kodi ndi nthawi ziti zolembetsa zomwe ndiyenera kudziwa?
• Kulembetsa koyamba
• Nthawi zamasankho zapachaka
• Nthawi yolembetsa
• Nthawi yolembetsa yapadera
• Kutenga

• Kupatula zochepa, kufalitsa kwa Medicare kumangokhalanso kukonzanso kumapeto kwa chaka chilichonse.
• Dongosolo likasankha kuti lisagwirizanenso ndi Medicare, malingaliro anu sadzasintha.
• Pali madeti ofunikira chaka chonse pomwe inshuwaransi akuyenera kukudziwitsani zakusintha kwa kufalitsa komanso nthawi yomwe mungalembetse mapulani atsopano.

Ngakhale pali zochepa zochepa, malingaliro a Medicare nthawi zambiri amakonzanso chaka chilichonse. Izi ndizowona pamafunso oyamba a Medicare komanso Medicare Advantage, Medigap, ndi Medicare Part D.

Nkhaniyi ikufotokoza momwe Medicare amakonzera kukonzanso chaka chilichonse komanso nthawi yomwe angaganize kusaina kuti awonjezere za Medicare.

Kodi Medicare imangokonzedwanso chaka chilichonse?

Mukalembetsa ku Medicare, malingaliro anu nthawi zambiri amakonzanso. Izi cholinga chake ndikuchepetsa zolemba zomwe muyenera kupereka ku Medicare. Tiyeni tiwone momwe kukonzanso kwazokha kumakhalira mbali iliyonse ya Medicare:

• Mankhwala Oyambirira. Ngati muli ndi Medicare yoyambirira, kufalitsa kwanu kumangokonzedwa kumapeto kwa chaka chilichonse. Chifukwa Medicare yoyambirira ndi mfundo yokhazikika mdziko lonselo, simuyenera kuda nkhawa kuti kufalitsa kwanu kudzachotsedwa.
• Medicare Ubwino. Medicare Advantage, kapena Medicare Part C, dongosololi limangokonzanso pokhapokha Medicare itasiya mgwirizano ndi pulaniyo kapena kampani yanu ya inshuwaransi itasankha kuti isapereke dongosolo lomwe mwalembetsa pano.
• Medicare Gawo D. Monga Medicare Advantage, dongosolo lanu la Medicare Part D (mankhwala akuchipatala) liyenera kukonzanso. Kupatula apo kungakhale ngati Medicare sidzakonzanso mgwirizano ndi kampani yanu ya inshuwaransi kapena kampaniyo sakuperekanso dongosololi.
• Kusinkhasinkha. Ndondomeko yanu ya Medigap iyenera kukonzedwanso. Ngakhale kusintha kwamalamulo kukutanthauza kuti kampani yanu ya inshuwaransi sigulitsanso dongosolo la Medigap, mutha kusunga mapulani anu. Komabe, ena omwe amalowa mumsika wa Medicare mwina sangathe kugula malingaliro a Medigap omwe muli nawo.

Ngakhale Medicare ikukonzekera yokha kukonzanso, izi sizitanthauza kuti muyenera kudumpha gawo lowunika momwe mumafotokozera chaka chilichonse. Pambuyo pake, tikambirana maupangiri owonjezera amomwe mungatsimikizire kuti mapulani anu akadali oyenera kwa inu.

Kodi chidziwitso chosakonzanso ndi chiyani?

Mukalandira chindapusa cha Medicare chosakonzanso mu Okutobala ngati kampani yanu ya inshuwaransi sakupanganso mgwirizano ndi Medicare.Ndondomeko zazaumoyo zomwe atengapo mbali sizingayambitsenso mgwirizano wawo ndi Medicare ngati dongosololi litayika ndalama zambiri pachaka.

Chidziwitso chosakonzanso chikuyenera kukudziwitsani ngati mudzaphatikizidwa mu pulani ina yomwe ikufanana ndi pulani yanu yapita. Makampani a inshuwaransi amatcha "mapu" awa.

Ngati simukufuna kujambulidwa mu pulani yatsopano ya Medicare Advantage, mutha kuchita izi:

• fufuzani ndikusankha pulani yatsopano munthawi ya zisankho zapachaka
• musachite chilichonse ndikulola kuti Medicare yanu ibwerere ku Medicare yoyambirira mwachisawawa (muyenera kugula dongosolo la Medicare Part D ngati dongosolo lanu lakale la Medicare Advantage linali ndi mankhwala)

Ngati wothandizirayo sakukonzanso mgwirizano wake, muyenera kudziwitsidwa za njira zina za Medicare Advantage zomwe zikupezeka mdera lanu.

Kodi chidziwitso cha pachaka chosintha ndi chiyani?

Muyenera kulandira chidziwitso chakusintha kwa Medicare pachaka mu Seputembala kuchokera pa pulani yanu, mwina kuchokera ku Medicare Advantage kapena Medicare Part D. Chidziwitsochi chidzafotokoza kusintha kulikonse uku:

• Mtengo. Izi zikuphatikiza zochotseredwa, zolipira, ndi ma premium.
• Kuphunzira. Zosintha zingaphatikizepo ntchito zatsopano zoperekedwa ndikusinthidwa magawo azamankhwala.
• Malo ogwira ntchito. Izi zikuphatikiza malo ogwira ntchito kapena malo ogulitsira ma pharmacies ena.

Dongosolo lanu likakuwuzani zakusinthaku, nthawi zambiri zimayamba kugwira ntchito Januware wotsatira. Ngati zina mwa pulani yanu zikusintha, onaninso mosamala kuti muwone ngati mapulani anu akadali okwera mtengo komanso ogwira ntchito pazosowa zanu.

Kodi ndingapeze bwanji dongosolo labwino kwambiri kwa ine?

Kusankha dongosolo labwino kwambiri ndi njira yapadera kwambiri. Muyenera kuti muli ndi zosowa zapadera zaumoyo, mankhwala, thanzi ndi nkhawa za bajeti. Zina mwa njira zopezera mapulani abwino ndi awa:

• Unikani ndalama zomwe munagwiritsa ntchito kuchipatala chaka chatha. Kodi mwakumana msanga ndi ndalama zanu? Kodi mumakhala ndi ndalama zambiri mthumba kuposa momwe mukuyembekezera? Yambani kumwa mankhwala atsopano? Ngati mwayankha kuti 'inde' pamafunso aliwonsewa, mungafunike kuunikiranso zomwe mumalemba chaka chamawa.
• Ganizirani zomwe muyenera kukhala nazo. Pangani mndandanda wa madokotala omwe muyenera kukhala nawo mu netiweki yanu, mankhwala omwe mumafunikira, komanso kuchuluka kwa ndalama zomwe mungagwiritse ntchito. Izi zitha kukuthandizani kuwunika mapulani anu apano ndikuyang'ana mapulani omwe angakwaniritse zosowa zanu.
• Unikani mosamala zidziwitso zanu zapachaka zosintha. Onetsetsani kuti mwawerenga chidziwitsochi mosamala. Ganizirani momwe zosinthazi zingakukhudzireni zabwino kapena zoipa. Ngakhale mapulani anu sanasinthe kwambiri, ndibwino kuti mugulitse mozungulira. Mapulani amatha kusintha kwambiri chaka ndi chaka, chifukwa chake ndikofunikira kuti mukhale ndi nthawi yoyerekeza madongosolo osiyanasiyana a Medicare.

Nthawi zina, mapulani anu akadali abwino kwambiri. Koma kuwunika mapulani motsutsana ndi zomwe muli nazo pakadali pano kungatsimikizire kuti muli ndi chithandizo chabwino kwa inu.

Ngati mungasankhe kusintha mapulani, mutha kulembetsa ndi pulani yanu yatsopano munthawi yolembetsa. Kulembetsa ndi pulani yatsopanoyi kukulembetsani ku pulani yanu yam'mbuyomu pomwe kufalitsa kwanu kwatsopano kuyamba.

Kodi ndi nthawi ziti zolembetsa zomwe ndiyenera kudziwa?

Monga momwe kampani yanu ya inshuwaransi ikufunika kukudziwitsani panthawi inayake ya kusintha, mudzakhala ndi nthawi yomwe mungalembetsere Medicare Advantage (kapena kubwerera ku Medicare yoyambirira) kapena kusintha mapulani anu.

Kulembetsa koyamba

Nthawi yoyamba kulembetsa ndi nthawi ya miyezi 7 momwe mungalembetsere Medicare. Izi zikuphatikiza miyezi itatu musanabadwe zaka 65, mwezi wokumbukira kubadwa kwanu, ndi miyezi itatu mutakwanitsa zaka 65.

Ngati mukulandira kale zabwino kuchokera ku Social Security Administration kapena Railroad Retirement Board, mudzangolembetsa ku Medicare. Komabe, ngati simutero, mutha kulembetsa kudzera mu Social Security Administration.

Nthawi zamasankho zapachaka

Amatchedwanso Medicare otseguka, nthawi ino ndi kuyambira Okutobala 15 mpaka Disembala 7. Apa ndi pomwe mutha kusintha kuchokera ku Medicare yoyambirira kupita ku Medicare Advantage komanso mosemphanitsa.

Muthanso kusintha mapulani a Medicare Advantage kapena kuwonjezera kapena kusiya Medicare Part D. Mukasintha, kufalitsa kwanu kwatsopano kumayamba pa Januware 1.

Nthawi yolembetsa

Nthawi yolembetsa ndi kuyambira Januware 1 mpaka Marichi 31. Panthawiyi, mutha kusintha momwe mungafotokozere, monga kusaina kwa Medicare yoyambirira, kuchoka ku Medicare Advantage kupita ku Medicare yoyambirira, kapena kusintha njira imodzi ya Medicare Advantage kupita ku ina . Simungathe, komabe, kusintha kuchokera ku Medicare yoyambirira kupita ku Medicare Advantage.

Nthawi yolembetsa yapadera

Muthanso kukhala ndi mwayi wosintha kunja kwa nthawi yolembetsa ya Medicare munthawi yolembetsa. Izi zimachitika nthawi zambiri mukataya ntchito chifukwa chakusintha kwa ntchito, ngati mungasamukire kumalo ena othandizira, kapena mukalowa kapena kuchokere kunyumba yosungira anthu okalamba.

Mukafuna kusintha momwe mungapezere Medicare, mutha kuyendera chida chofufuzira pa Medicare.gov, itanani Medicare pa 1-800-MEDICARE, kapena lemberani ndondomekoyi mwachindunji.

Kutenga

• Chithandizo chanu choyambirira cha Medicare nthawi zambiri chimakonzanso.
• Madongosolo ambiri a Medicare Advantage amakonzanso popanda kuchitapo kanthu.
• Ngati dongosolo lanu la Medicare Advantage kapena Medicare Part D silikukonzanso mgwirizano wake ndi Medicare, muyenera kulandira chidziwitso isanafike nyengo yachisankho yapachaka kuti musankhe pulani yatsopano.