Nthawi Zolemba pa Medicare: Kodi Mumalembetsa Liti Medicare?

Zamkati

• Kodi ndiyenera kulembetsa liti Medicare?
• Zaka zanu
• Ngati muli ndi chilema
• Unzika wanu
• Ngati muli ndi mnzanu
• Kodi mukuyenera kulandira gawo liti kapena kukonzekera mu Medicare?
• Medicare Gawo A
• Medicare Gawo B
• Medicare Gawo C (Medicare Advantage)
• Gawo la Medicare D.
• Mankhwala owonjezera a Medicare (Medigap)
• Kodi ndi masiku ati omwe angalembetse nawo magawo ndi mapulani a Medicare?
• Kulembetsa koyambirira kwa Medicare
• Kulembetsa kwa Medigap
• Kulembetsa mochedwa
• Kulembetsa kwa Medicare Part D
• Kulembetsa mwapadera
• Kutenga

Kulembetsa ku Medicare sikuti nthawi zonse kumachitika kamodzi kokha. Mukakhala oyenerera, pali mfundo zingapo zomwe mungalembetse gawo lililonse la Medicare.

Kwa anthu ambiri, kulembetsa ku Medicare kumachitika nthawi yolembetsa miyezi 7 (IEP). IEP imayamba miyezi itatu musanakwanitse zaka 65 ndikupitilira miyezi itatu mutabadwa.

Ngakhale mukuganiza izi, kupeza Medicare moyenera kumatha kukhala kosokoneza, komanso kumakuwonongerani zilango mukalakwitsa.

Munkhaniyi, tikupatsirani chidziwitso chokhudza kuyenerera kwanu komanso nthawi yomwe mungalembetsere Medicare.

Kodi ndiyenera kulembetsa liti Medicare?

Ngati mukulandira zabwino za Social Security ndipo muli ndi zaka zosakwana 65, mudzangolembetsa ku Medicare gawo A ndi B mukakhala zaka 65. Ngati simukufuna kukhala ndi Medicare Part B, mutha kuzikana panthawi imeneyo.

Ngati simukupeza Social Security, muyenera kulembetsa ku Medicare.

Mukadziwa zoyenera kuchita ndi zosayenera kusaina, njira zenizeni ndizosavuta. Zinthu izi ndizofunikira kuziganizira polembetsa ku Medicare.

Zaka zanu

Mungafune kuyendetsa magudumu polemba nawo Medicare nthawi iliyonse m'miyezi itatu isanakwane tsiku lanu lobadwa la 65. Mutha kulembetsanso mwezi womwe mungakwanitse zaka 65, komanso miyezi yonse itatu yotsatira tsikulo.

Ndikofunika kuzindikira kuti ngati mungachedwe kusaina mpaka miyezi itatu yomaliza ya IEP, kuyamba kwa chithandizo chanu chamankhwala kungachedwe.

Ngati muli ndi chilema

Ngati mwakhala mukulandira zopindulitsa za Social Security kapena njanji zopumira pantchito kwa miyezi 24 yotsatizana, ndinu oyenera kulembetsa ku Medicare nthawi iliyonse, ziribe kanthu zaka zanu.

Ngati muli ndi amyotrophic lateral sclerosis (ALS) kapena endal renal disease (ESRD), mukuyeneranso kukhala a Medicare nthawi iliyonse, osadalira zaka zanu.

Unzika wanu

Kuti mukhale woyenera ku Medicare, muyenera kukhala nzika yaku US kapena nzika zokhazikika zaku US omwe mwakhala kuno movomerezeka zaka 5 zotsatizana.

Ngati muli ndi mnzanu

Mosiyana ndi mapulani a inshuwaransi yazaokha, mnzanu sangathe kuphimbidwa ndi dongosolo lanu la Medicare.

Kuti mnzanu aphimbe, ayenera kukwaniritsa zofunikira za Medicare, monga zaka. Izi zikakwaniritsidwa, atha kukhala oyenera kulandira ma Medicare ena kutengera mbiri ya ntchito yanu, ngakhale atakhala kuti sanagwire ntchito.

Ngati mnzanu ali wamng'ono kuposa inu ndipo ataya inshuwaransi yaumoyo mukamapita ku Medicare, atha kugula inshuwaransi yaumoyo kudzera kwa wodziyimira payokha.

Ngati mukuyandikira zaka 65 koma mukufuna kupitiliza ndi inshuwaransi yazaumoyo yomwe muli nayo pakadali pano kudzera mu dongosolo la mnzanu, mutha kutero, popanda kulipira.

Kodi mukuyenera kulandira gawo liti kapena kukonzekera mu Medicare?

Medicare Gawo A

Mukuyenerera kulembetsa ku Medicare Part A panthawi yoyamba kulembetsa.

Mudzalembetsa mutakwanitsa zaka 65 ku Medicare Part A ngati mukulandira zabwino zachitetezo cha Social Security kapena mapindu olumikizidwa ndi njanji.

Medicare Gawo B

Monga momwe zilili ndi Medicare Part A, ndinu woyenera kulembetsa ku Medicare Part B pakulembetsa koyamba.

Mudzalembetsa muusinkhu wazaka 65 ku Medicare Part B ngati mukulandira zabwino zachitetezo cha Social Security kapena mapu olumala okwerera njanji.

Medicare Gawo C (Medicare Advantage)

Kuti mulembetse ku Medicare Part C, muyenera kukhala oyenera kukhala ndi, kukhala ndi, Medicare magawo A ndi B.

Mutha kulembetsa ku Medicare Part C nthawi yoyamba kulembetsa kapena nthawi yolembetsa, yomwe imachitika mchaka.

Mutha kulembetsanso Medicare Part C munthawi yolembetsa, monga kutayika kwa ntchito yomwe idakupatsirani chithandizo chazaumoyo.

Mutha kulembetsa dongosolo la Medicare Advantage mosasamala zaka zanu, ngati mukulandira phindu la Medicare chifukwa chaulema, kapena ngati muli ndi ESRD.

Gawo la Medicare D.

Mutha kulembetsa dongosolo la mankhwala a Medicare Part D mukangoyamba kupeza Medicare polembetsa koyamba. Ngati simulembetsa ku Medicare Part D pasanathe masiku 63 kuchokera pa IEP yanu, mutha kulandira chilango chachedwa. Chilango ichi chiziwonjezeredwa pamwezi wanu pamwezi.

Simusowa kulipira ngongole yolembetsa mochedwa ngati muli ndi mankhwala omwe mumalandira kudzera mu dongosolo la Medicare Advantage kapena kudzera kwa inshuwaransi yapadera.

Ngati simukukonda dongosolo lanu lamankhwala lamankhwala, mutha kusintha kusintha kwa Medicare Part D panthawi yolembetsa, yomwe imachitika kawiri pachaka.

Mankhwala owonjezera a Medicare (Medigap)

Nthawi yoyamba kulembetsa inshuwaransi ya Medigap imayambitsidwa poyambira mwezi womwe mumakwanitsa zaka 65 ndikulembetsa Gawo B. Kulembetsa koyamba kwa Medigap kumatenga miyezi 6 kuyambira tsiku lomwelo.

Mukamalembetsa koyamba, mudzatha kugula dongosolo la Medigap m'boma lanu pamtengo wofanana ndi anthu omwe ali ndi thanzi labwino, ngakhale mutadwala.

Othandizira a Medigap amagwiritsa ntchito zolemba zamankhwala kuti adziwe mitengo ndi kuyenerera. Izi zimasiyana pamalingaliro ndi madera. Nthawi yoyamba kulembetsa itatha, mutha kugula dongosolo la Medigap, ngakhale mitengo yanu itha kukhala yokwera. Palibenso chitsimikizo kuti wopereka Medigap angakugulitseni dongosolo kunja kwa nthawi yoyamba kulembetsa.

Kodi ndi masiku ati omwe angalembetse nawo magawo ndi mapulani a Medicare?

Kulembetsa koyambirira kwa Medicare

Kulembetsa koyambirira kwa Medicare ndi miyezi 7 yomwe imayamba miyezi itatu musanabadwe zaka 65, kuphatikiza mwezi wanu wobadwa, ndikutha miyezi itatu mutabadwa.

Kulembetsa kwa Medigap

Nthawi yomaliza yogula inshuwaransi ya Medigap yowonjezera pamitengo yokhazikika ndi miyezi 6 kuchokera tsiku loyamba la mwezi mutakwanitsa zaka 65 ndipo / kapena kulembetsa Gawo B.

Kulembetsa mochedwa

Ngati simunalembetse Medicare pomwe munali oyenerera, mutha kulembetsabe ku Medicare magawo A ndi B kapena dongosolo la Medicare Advantage panthawi yolembetsa, ngakhale zilango ziziwonjezedwa pamtengo wamwezi uliwonse malipiro.

Kulembetsa wamba kumachitika chaka chilichonse kuyambira pa Januware 1 mpaka Marichi 31.

Kulembetsa kwa Medicare Part D

Ngati simunalembetse Medicare Part D pomwe munali oyenerera, mutha kulembetsa nthawi yolembetsa yotseguka pachaka, yomwe imachitika kuyambira Okutobala 15 mpaka Disembala 7 chaka chilichonse.

Mapulani a Medicare Advantage omwe amaphatikizira kupezeka kwa mankhwala osokoneza bongo atha kugulidwanso munthawi yolembetsa ya Medicare Advantage yomwe imachitika kuyambira Januware 1 mpaka Marichi 31.

Kulembetsa mwapadera

Nthawi zina, mutha kulembetsa ku Medicare mochedwa, munthawi yodziwika kuti nthawi yolembetsa yapadera.

Nthawi yolembetsa yapadera imatha kuperekedwa ngati mungayembekezere kulembetsa ku Medicare yoyambirira chifukwa munkagwiritsidwa ntchito ndi kampani yomwe inali ndi antchito opitilira 20 mukakwanitsa zaka 65 ndipo muli ndi inshuwaransi yazaumoyo kudzera muntchito, mgwirizano kapena mnzanu.

Ngati ndi choncho, mutha kulembetsa ku Medicare magawo A ndi B pasanathe miyezi 8 mutatha kufalitsa, kapena Medicare magawo C ndi D pasanathe masiku 63 mutatha kufalitsa.

Mapulani a Gawo D amatha kusinthidwa munthawi yolembetsa ngati:

• mwasamukira kumalo komwe sikukutumikiridwa ndi pulani yanu yapano
• mapulani anu asintha ndipo sakuneneranso malo omwe muli
• munasamukira kapena kuchoka kunyumba yosungirako okalamba

Kutenga

Kuyenerera kwa Medicare nthawi zambiri kumachitika kuyambira miyezi itatu isanakwane mwezi womwe mungakwanitse zaka 65. Nthawi yoyamba kulembetsa imatha miyezi 7.

Pali zochitika zapadera komanso nthawi zina zolembetsa zomwe zimaperekedwa kwa inu, momwe mungalandire, ngati mwaphonya kulembetsa koyamba.

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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