Zomwe mukufuna kudziwa tsopano


Medicare Original Open Enrollment Essentials

Original Medicare imakhala ndi Gawo A (chothandizira kuchipatala) ndi Gawo B (madokotala ndi odwala kunja). Mudzafunanso kuganizira za ndondomeko ya mankhwala ya Part D yomwe imathandiza kulipira mankhwala olembedwa. Pali magawo a mwezi uliwonse a Gawo B ndi Gawo D; Anthu ambiri samalipira gawo A.

Madokotala ndi mankhwala. Chifukwa Gawo A ndi Gawo B ndizoyenera kwa onse opindula ndi Medicare, palibe chomwe mungasinthe ndi chithandizochi. Mutha kupita kwa dokotala kapena malo aliwonse omwe amavomereza Medicare. Mapulani a Gawo D amasiyana, komabe, ino ndi nthawi yabwino yowunikiranso momwe mankhwala anu amagulitsira ndikusintha mapulani, kapena kuwonjezera dongosolo la Gawo D ngati mulibe. Mutha kusinthanso kuchokera ku dongosolo lanu loyambirira la Medicare kupita ku pulani yachinsinsi ya Medicare Advantage panthawi yolembetsa ngati mukufuna. (zambiri pansipa).

Ndi nthawi yabwino yotsimikizira kuti madokotala omwe mumawakonda ndi zipatala zidzapitiriza kulandira Medicare m’chaka chatsopano. Zovuta ndizo – akatswiri amayerekezera kuti oposa 90 peresenti ya madokotala amatenga nawo mbali pa pulogalamuyi ndipo zipatala zambiri zimagwiranso ntchito – koma sizikupweteka kufunsa.

Inshuwaransi yowonjezera. Original Medicare salipira chilichonse. Pansi pa Gawo B, mwachitsanzo, muli ndi udindo wa 20 peresenti ya mtengo wa ulendo wa dokotala kapena kuyesa labu. Inshuwaransi yowonjezera ya Medicare, yomwe imadziwikanso kuti inshuwaransi ya Medigap, imathandizira kulipira ndalama zomwe sizinatchulidwe, kuphatikiza ndalama zina ndi inshuwaransi yogwirizana. Inshuwaransi yowonjezera ndiyosasankha ndipo siyikhala ndi nthawi yotseguka yolembetsa. Mutha kugula ndondomeko ya Medigap nthawi iliyonse pachaka. Mutha kusintha kufalikira kwanu kwa Medigap nthawi iliyonse pachaka.

Komabe, pali chinthu chimodzi chofunikira kwambiri chomwe muyenera kudziwa posintha ndondomeko yanu ya Medigap: Makampani a inshuwaransi omwe amathandizira izi sangakukaneni ndondomeko mkati mwa miyezi isanu ndi umodzi kuchokera pamene mukuyenera kulandira Medicare, ngakhale mutakhala ndi matenda aakulu, kapena mukudwala. Kunenepa kwambiri, kusuta kapena kudwala matenda ena aliwonse. Izi zimatchedwa foolproof problem base. Koma nthawi yolembetsa ikatha, makampaniwa akhoza kukana kukugulitsani ndondomeko kapena kukulipirani ndalama zambiri. Izi zikugwiranso ntchito pakutha kwanu kusintha malamulo mukakhala nawo. Maiko anayi – Connecticut, Maine, Massachusetts, ndi New York – ali ndi malamulo omwe amafuna makampani a inshuwalansi kuti akugulitseni ndondomeko ya Medigap nthawi zonse kapena kamodzi pachaka.

Newman akuwonetsa kuti ngati mulibe zinthu zomwe zidalipo kale, mutha kusintha ndondomeko za Medigap popanda kulipira zambiri. Ndikoyenera kuyang’ana ngati simukukhutira ndi dongosolo lanu lowonjezera lamakono.

Komanso, ngati mutasiya ntchito kapena kupuma pantchito, mwina mwalembetsa ndi COBRA (chithandizo chakanthawi kwa anthu omwe ataya chithandizo chawo chifukwa cha kutaya ntchito) kapena ndondomeko yaumoyo yopuma pantchito kudzera mwa abwana anu kapena bungwe la ogwira ntchito. Ngati chithandizo chanu cha COBRA chitatha kapena ntchito yanu yopuma pantchito ikatha, mudzakhala ndi masiku 63 kuti mugule ndondomeko ya Medigap pansi pa lamulo loperekedwa ndi boma.

Medicare Advantage Open Kulembetsa Zoyambira

Medicare Advantage, yomwe imadziwikanso kuti Part C, ndi inshuwaransi yachinsinsi ku pulogalamu yoyambirira ya Medicare yomwe imaphatikiza Magawo A, B ndi (nthawi zambiri) D. Gulani mankhwala osiyanasiyana komanso inshuwaransi yowonjezera.

Werengani zomwe mwalemba. Mwezi uliwonse wa September, mapulani a Medicare Advantage amayenera kutumiza mamembala awo kalata yotchedwa Annual Notice of Change. Kalata iyi ifotokoza mwatsatanetsatane za kusintha komwe kukupanga kuyambira mu Januwale, monga mapindu, ndalama, kapena malo omwe dongosololi likuchita.

Mudzafuna kugwiritsa ntchito chidziwitsochi mukasankha kukhalabe ndi mapulani anu a MA, sinthani ku dongosolo lina la MA kapena sinthani ku Medicare yoyambirira.

Nthawi yolembetsa yotseguka makamaka ya mapulani a MA. Ngati muli kale pa pulani ya MA, mudzakhala ndi nthawi yowonjezerapo kuti musankhe zochita. Nthawi yapadera yolembetsa yotseguka imayambira pa Januware 1 mpaka Marichi 31. Pazenera ili mutha kusintha kuchokera ku dongosolo la master kupita ku lina kapena kupita ku pulogalamu yoyambirira ya Medicare. Mukasintha kupita ku Medicare yoyambirira, mudzatha kupeza dongosolo lamankhwala lodziyimira lokha la Part D. Nthawi yapaderayi imagwira ntchito kwa anthu omwe ali ndi dongosolo la masters.

Pitani kwa dokotala kapena kuchipatala. Samalani kwambiri pakulembetsa kotseguka ngati muli ndi dongosolo la Medicare Advantage. Mapulani ambiri a MA amapangidwa mozungulira madotolo ndi othandizira ena azachipatala, kuphatikiza zipatala. Ngati mumagwiritsa ntchito akatswiri a pa intaneti, mumalipira ndalama zochepa kuposa ngati muwona opereka chithandizo kunja kwa netiweki yanu.

Pakulembetsa kotseguka, muyenera kuyang’ana maupangiri operekera mapulani anu a MA kuti muwonetsetse kuti madotolo anu akadali pa pulaniyo. Ngati sichoncho, mungafune kuganizira zosintha ndondomeko, malingana ndi kufunikira kwake kuti mupitirize kukaonana ndi akatswiri azachipatala.

Ngati muli ndi kusintha kwakukulu pa thanzi lanu, monga matenda aakulu monga khansara, muyenera kutsimikizira ngati madokotala ndi zipatala zomwe mukufunikira kuti akuthandizeni kupyolera mu matendawa akupezeka kwa inu pa intaneti yanu pansi pa ndondomeko yanu yomwe ilipo. Kupanda kutero, mungakhale pachiwopsezo chokumana ndi ngongole zazikulu zapaintaneti.

Medicare ndi yotseguka kwa olembetsa ndi mankhwala olembedwa

Opindula ndi Medicare amapeza mankhwala omwe amawalembera m’njira ziwiri: kupyolera mu ndondomeko ya mankhwala a Part D kapena monga gawo la ndondomeko yawo ya Medicare Advantage.

Cheke chophatikizira pazosankha zonse ziwiri panthawi yolembetsa kuyenera kukhala ngati mankhwala omwe mukumwa akadali ndi dongosolo lanu lamakono – komanso pamtengo wake. Opindula akuyeneranso kuwona kuti ndi ma pharmacies ati omwe dongosolo lanu lamakono lingakonde komanso ngati awa ali oyenera kwambiri kwa inu. Muyeneranso kuganizira ngati mungapulumutse ndalama potumiza mankhwala anu m’makalata komanso ngati dongosolo lanu likupereka izi.

“Anthu amatenga nthawi kuti asankhe dongosolo la mankhwala akamapita ku Medicare ndikukakamira zaka zikubwerazi,” akutero Newman. Koma kumamatira ku dongosolo kungakhale ndi mtengo chifukwa mapulani a mankhwala amasintha chaka ndi chaka, ndipo mankhwala a anthu amafunika kusintha pakapita nthawi. Tawonapo anthu akusunga mazana ngati si masauzande a madola poyerekezera mapulani. “

Ndalama zomwe opindula ndi Medicare adzayenera kulipira kuchokera m’thumba mwawo kuti azitsatira malangizowo zidzasintha chifukwa cha Inflation Reduction Act ya 2022. Pakalipano, anthu omwe amafika pa mlingo wina wa ndalama zomwe amagwiritsira ntchito pa mankhwala osokoneza bongo – osachepera ndi $ 7,050 kwa 2022 – lowetsani Kodi amatchedwa “tsoka” ndipo ali ndi ngongole ya 5 peresenti yamtengo wapatali kuposa msinkhu uwu. Kuchokera mu 2024, anthu omwe ali ndi mtengo wokwera kwambiri sangabweretsenso ndalama zina zotuluka m’thumba akangofika poyambira. Kenako, kuyambira mu 2025, ndalama zogulira mankhwala azikwera $2,000 pachaka.

Newman akuchenjeza kuti anthu omwe amapeza mankhwala awo monga gawo la dongosolo la Medicare Advantage sangathe kusankha ndondomeko ya mankhwala odziimira okha. “Amapeza chithandizo chilichonse chamankhwala chomwe dongosolo limapereka.” Izi zikutanthauza kuti pamene anthu akulingalira za kukhalabe ndi mapulani awo a MA kapena kusintha mapulani awo, akutero, akuyeneranso kuganizira za chithandizo chamankhwala omwe amaperekedwa ndi dotolo omwe akuphatikizidwa mu dongosolo lawo la MA.

Kusintha pakati pa zosankha za Medicare

Nazi zomwe muyenera kuziganizira ngati mukuganiza zosintha kuchoka ku Medicare kupita ku ina panthawi yolembetsa:

  • Kusintha kuchokera ku dongosolo loyambirira la Medicare kupita ku dongosolo la Medicare Advantage. Onetsetsani kuti opereka ma netiweki ali ndi dongosolo la MA lomwe mwasankha. Dziwaninso kuti mutha kuyang’aniridwa ndi chisamaliro chanu: Mapulani ena amafunikira kutumizidwa kwa akatswiri, ndipo mapulani a MA nthawi zambiri amafunikira chilolezo chochokera ku pulani ya kuyezetsa matenda ndi ntchito zina.
  • Chotsani kuchoka ku Medicare Advantage kupita ku Medicare Original. Malamulo amakulolani kuti muchite izi, koma pali chenjezo lalikulu: Ngati mukufuna kubwerera ku Medicare yoyambirira, simungathe kupeza ndondomeko ya Medigap yowonjezera – kapena ndondomeko yotsika mtengo – yomwe imakuthandizani kulipira zina. -ndalama m’thumba pansi pa Medicare.
  • Sinthani pakati pa mapulani a MA. Ino ndi nthawi ya chaka yomwe mungathe kuyang’anitsitsa ndondomeko yanu yamakono ya Medicare Advantage ndikugula kuti muwone ngati pali ndondomeko ya komwe mukukhala yomwe ikugwirizana bwino ndi zosowa zanu ndi thumba lanu.

Thandizo lazachuma ngati simungakwanitse Medicare

Ngati mukuvutika kusunga ndalama zanu za Medicare, co-pays, ndi ndalama zina zotuluka m’thumba, boma la federal lili ndi mapulogalamu anayi a Medicare omwe amapereka chithandizo kwa anthu omwe ali ndi ndalama zochepa. Palinso pulogalamu yotchedwa Thandizo Lowonjezera lomwe limathandiza opindula ndi ndalama zogulira mankhwala omwe amachokera kunja kwa thumba. Ngakhale simunayenerere mapulogalamuwa m’mbuyomu, nthawi yolembetsa yotseguka ndi nthawi yabwino yoyang’ana kuti muwone ngati chuma chanu chikukulolani kuti muyenerere.

Lamulo lochepetsa kuchepa kwa mitengo ya zinthu likhoza kuyamba kugwira ntchito posachedwa. Kuyambira mu 2024, opindula ndi Medicare omwe amapeza ndalama zokwana 150 peresenti ya umphawi wapachaka ($ 20,385 pa munthu aliyense mu 2022) komanso omwe amakwaniritsa malire a pulogalamuyo akhoza kulandira phindu lonse pansi pa Pulogalamu Yowonjezera Yothandizira. Malire omwe amapeza phindu lathunthu pano ndi 135 peresenti ya umphawi wa federal ($ 18,347 pa munthu aliyense mu 2022).

Momwe Mungapezere Thandizo Posankha Mapulani a Medicare

Opindula amatha kufananiza mapulani ndikusintha kalembera wawo popita ku www.medicare.gov. Pa nthawi yotseguka yolembetsa, palinso chithandizo chochezera pawebusaitiyi.

Kuphatikiza apo, Medicare ili ndi ola la 24, masiku asanu ndi awiri pa sabata pomwe oimira angayankhe mafunso anu olembetsa otseguka. Nambala yaulere iyi ndi 800-633-4227. Komanso, dziko lililonse lili ndi State Health Insurance Assistance Program (SHIP) yokhala ndi alangizi omwe angakuthandizeni kuyankha mafunso anu.

Dena Bunis amakhudza Medicare, Medicaid, Health Policy, ndi Congress. Amalembanso gawo la Medicare Made Easy la Chithunzi cha AARP. Mtolankhani wopambana mphotho, Bonis watha zaka zambiri akugwira ntchito zamanyuzipepala zakumatauni, kuphatikiza monga wamkulu waofesi ya Washington panyuzipepala. Orange County Register Monga wolemba za ndondomeko zaumoyo ndi malo ogwira ntchito Newsday.

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