Pamene Makampani A Inshuwalansi Ali ndi Dzanja Lamanja
Chinthu chopanda kanthu chiyenera kukhala chophweka, chopanda mphamvu, ndi chosamvetsetseka. "Kutembenuka kosasunthika" kwa Medicare, komabe, kulibe kanthu kovuta. Iyi ndiyo ndondomeko yotsutsana yomwe ikuthandizira anthu osadziwa. Ogwiritsira ntchito payekha ali ndi mabanki pa chifukwa chakuti simumvetsetsa dongosololi pamene akukukakamizani kukwaniritsa mapulani a Medicare Advantage.
Kuti mumvetse momwe ntchitoyi ikugwirira ntchito, choyamba muyenera kudziwa momwe kulembetsa kwachangu kumagwirira ntchito, yemwe ali woyenerera, ndi chifukwa chake mungasankhe dongosolo la Medicare Advantage pa Oyambirira Medicare .
Dziwani ufulu wanu ndikuyika kusankha kwanu mmanja mwanu.
Kusiyanitsa pakati pa mankhwala oyambirira a Medicare ndi Medicare Advantage
Choyamba Medicare imatchulidwa chifukwa ndi Medicare yomwe inayamba kukhalapo mu 1965. Izi zikuphatikizapo Gawo A , inshuwalansi ya chipatala yomwe imayang'anira chisamaliro cha odwala komanso chipatala, ndi Part B , inshuwalansi ya zaumoyo yomwe imabweretsa ndalama zomwe mukuyembekezera komanso zofunikira.
Gawo C, lomwe limatchedwanso Medicare Advantage, komabe, ndilo njira ina yoperekera ku Medicare Yoyamba. Ikugwira ntchito zonse Zagawo A ndi B koma zimatha kuwonjezera mautumiki ena ku Masewerawa omwe Oyambirira a Medicare samaphimba. Malingana ndi zosowa zanu zachipatala, mungasankhe kupita ku Medicare Advantage plan m'malo mwa Original Medicare koma kumbukirani kuti simungathe kukhala nawo onse awiri.
Ndalama zamtengo wapatali, kuyembekezera kulipira zambiri za Medicare Advantage.
Ambiri Achimereka amalandira Gawo A kwaulere. Izi zikutanthauza, ngati inu kapena mnzanu mwagwira ntchito 40% mu ntchito ya Medicare-msonkho, gawo lanu la mwezi A Purezidenti A lidzakhale laulere. Aliyense amapereka premium premium B, ndalama zomwe zimasiyana malinga ndi zomwe mumapeza.
Medicare Zopindulitsa mapulani ali ndi premiums onse awo.
Ngakhale dongosolo lanu la Medicare Advantage likulipira mautumiki anu a B Part, mukuyenera kulipira mwezi uliwonse BP premiums.
Kulembetsa Mwachindunji ndi Social Security
Kulembetsa mwachindunji ku Medicare ndi Social Security kumayendera limodzi. Anthu omwe amalandira madalitso a Social Security adzalembedweratu ku Original Medicare pamene akuyenera. Izi zikhoza kuchitika pa nthawi yoyamba yolembetsa pamene mutembenuka zaka makumi asanu ndi limodzi (65) kapena mutakhala pa Inshuwalansi Yopumitsa Bungwe la Social Security (SSDI) kwa miyezi 24.
Ngati mwagwiritsa ntchito m'miyezi itatu yoyamba ya Kulembetsa koyamba, madalitso anu a Medicare angayambe tsiku loyamba la mwezi wanu wachisanu ndi chimodzi cha kubadwa kwanu. Mukamagwiritsa ntchito gawo lachiwiri la Nthawi yolembera, mapindu anu adzayamba mkati mwa miyezi itatu (mwezi umodzi ngati mutagwiritsa ntchito mwezi wanu wobadwa, mu miyezi iwiri ngati mutagwiritsa ntchito mweziwu mutatha mwezi wanu kapena miyezi itatu agwiritsireni ntchito miyezi 2 kapena itatu mutatha mwezi wakubadwa). Pankhani ya SSDI, madalitso a Medicare angayambe mwezi wa 25 wa mapindu anu olemala.
Mosasamala kanthu ka njira yolembera, kudzipiritsa ndalama zanu pamwezi kumachotsedwa pomwe mukutsata Social Security check.
Ngati mukufuna dongosolo la Medicare Advantage mmalo mwa Medicare Yoyamba, muyenela kutenga choyamba ndikulembera ndondomeko.
Ngati mwasankha kuti simukufuna kutenga nawo mbali Medicare panthawi ya kulembetsa, muyenera kuchitapo kanthu ndikuchotsa. Samalani kwambiri popanga chisankho ichi. Gawo Loyambanso Phindu limaperekanso mapeto a madalitso anu a Social Security.
Anthu omwe sali kulandira thandizo la Social Protection ayenera kutenga nawo mbali ndikulembera Medicare okha. Pang'ono ndi pang'ono amayenera kufika mpaka kutembenuka mosavuta.
Kutembenuka kwa Kutembenuka Kopanda Thupi
Kulembetsa mwachindunji tsopano kungakhudze anthu kuti asalandire madalitso a Social Security.
Kutembenuka kosasunthika manja kumagonjetsa makampani apamphuwalansi apadera omwe amalimbikitsa mapulani a Medicare Advantage. Ngati muli ndi ndondomeko yaumoyo yoperekedwa ndi mmodzi wa makampani a inshuwaransi pa nthawi yomwe mukuyenera ku Medicare, ngati ndilo mtengo wogwira ntchito wa Care Care kapena ndondomeko yathanzi, kampaniyo ingakulowetseni ku umodzi mwa iwo Mankhwala othandizira Medicare.
Poyamba, izi zingamve ngati chinthu chabwino. Ndipotu, njirayi ikhoza kupindulitsa munthu amene akufuna kukhala ndi kampani ya inshuwalansi yomweyo. Zingakhale zosavuta kulamulira, kuthetsa sitepe, ndikuthandizani kukhalabe ndi kampaniyo. Zingathenso kuteteza chilango chomwe chikhoza kuwononga ndalama zambirimbiri kuchokera mu ndalama za anthu omwe amalembera mochedwa Medicare.
Monga momwe pali ubwino kwa kutembenuka kosasunthika, pali zovuta zoonekeratu.
- Mtengo. Choyamba Medicare ndi njira yanu yochepetsetsa, koma kampani ya inshuwalansi yapadera ndikulingalira kuti mudzafuna kulipira malipiro owonjezera mwezi uliwonse pa dongosolo la Medicare Advantage.
- Kusankha. Kampaniyo ikusankha ndondomeko yanu. Iwo akhoza kusankha njira yodula kwambiri kuyendetsa phindu, osati kwenikweni ndondomeko yomwe imakukhudzani kwambiri kapena yomwe imakwaniritsa zosowa zanu.
- Zolemba. Musaganize dongosolo lomwe mudali nalo musanalandire Medicare ndi ndondomeko yomwe mupitiliza nayo pa Medicare Advantage. Mukhoza kutaya mwayi kwa madokotala ena, mabungwe a chipatala, mankhwala, kapena ntchito malinga ndi dongosolo la Medicare Advantage lomwe lasankhidwa.
Momwe Ntchito Yosasinthika Yopanda Ntchito
Centers for Medicare ndi Medicaid Services (CMS) imafuna makampani a inshuwalansi kuti azipempha chilolezo choti athe kutenga nawo mbali mosatembenuka. Izi zimapangitsa boma kuyang'anira ndondomekoyi mpaka pamtunda. Momwe izo zimakhalira mu dziko lenileni, komabe, zatsimikiziridwa kukhala zovuta.
Munthu wothandizira inshuwalansi ayenera kupereka chithandizo cholembera masiku makumi asanu ndi limodzi a kulemba kwawo. Ngati munthu ameneyo sakuchotsa, kulembetsa kumeneku kumayendera mosavuta. Vuto ndiloti makalata ochokera kwa kampani ya inshuwalansi akudziwitsa omwe apindula nawo mfundoyi akhoza kuikidwa m'manda pakati pa ophedwa ndi makalata ochokera ku makampani ena a inshuwalansi akulimbikitsa zolinga zawo. Okalamba akukwera ndi malonda ndipo amasokonezeka ndi ufulu wawo.
Wopindula sangadziwe iwo pa dongosolo la Medicare Advantage mpaka atalandira kalata ya chisamaliro chomwe chinachitidwa kunja kwa intaneti kapena amalandira khadi la Medicare Advantage ndi dokotala watsopano yemwe akuyang'anira payekha.Chifukwa chomaliza chakhala ngongole zachipatala kusowa kwa kupitiriza kusamalira okalamba ambiri.
Akugwira Koma Osati Kutha Kutembenuka Kopanda Thupi
Vuto ndi kutembenuka kosasunthika ndi kuti opindula ali ndi mwayi wosankha koma osalowetsa mu mapulani awa a Medicare Advantage. Mwachidule, inu mumayikidwa mu ndondomeko ndi kukakamizidwa kuti musiye izo kusiyana ndi kupatsidwa ufulu wosankha izo poyamba.
Nkhani yabwino ndi yakuti CMS yakhala ikugwira ntchito panthawi yatsopano ya inshuwalansi yofuna kutenga nawo mbali mosavuta. Nkhani zoipa ndi kutembenuka kosasunthika kuli kunja kwa mapulani omwe apatsidwa kale.
Dziwani ufulu wanu ndipo penyani maso anu kuti mutumize makalata kuchokera ku kampani yanu ya inshuwalansi yomwe ingakhale yokhudza kutembenuka kosasunthika. Muyenera kulandira ndondomeko yomwe imakwaniritsa zosowa zanu, zonse zamaganizo komanso zachuma. Ngati kutembenuka kosasunthika kumagwira ntchito movomerezeka, izi ndi zabwino! Ngati sichoncho, musazengereze kutuluka ndi kusankha Choyamba Medicare kapena ndondomeko ina ya Medicare Advantage, ndi kampani yanuyo kapena kampani ina.
> Zotsatira:
> Crochunis, M. Kulembetsa Osasunthika kwa Anthu Payekha Woyenera Kulandira Medicare. Maofesi a webusaiti ya Medicare ndi Medicaid Services. https://www.cms.gov/Medicare/Eligibility-and-Enrollment/MedicareMangCareEligEnrol/Downloads/HPMS_Memo_Seamless_Moratorium.pdf. Lofalitsidwa pa October 21, 2016.
> Mankhwala othandizira odwala: Chaputala 2 - Kulembetsa ndi Kusamalitsa kwa Medicare Advantage. Maofesi a webusaiti ya Medicare ndi Medicaid Services. https://www.cms.gov/Medicare/Eligibility-and-Enrollment/MedicareMangCareEligEnrol/Downloads/CY_2016_MA_Enrollment_and_Disenrollment_Guidance_9-14-2015.pdf. Yosinthidwa pa September 14, 2015.
> Gawo C-MEDICARE + CHOICE Program: Kuyenerera, Kusankhidwa, ndi Kulembetsa. Webusaiti ya Social Security Administration. https://www.ssa.gov/OP_Home/ssact/title18/1851.htm.