Kune vamwe vakwegura, iyi 20 muzana inogona kuwedzera kusvika kudhora guru rekuita uye inogona kuva yakawanda kudarika yavanogona kuwana.
Chikamu chemugadziro wevakuru vangave kuwana Medicare yakakwana yekuwedzera kuti ibatsire nemari yekurapa isina kuvharwa neurongwa hweMedare hunogara huripo. Kana iwe uri makumi matanhatu nemashanu uye uchikwanisa kuendeswa kune Medicare nguva dzose, iwe unokodzerwawo kutenga Medicare supplemental inshuwarisi yenyika (inozivikanwawo seMedigap). Pane zvakasiyana-siyana zvekushandisa kune Medicare supplemental inshuwarisi yepamutemo yekufananidza zvido zvako zvehutano nemamiriro emari. Blue Cross Blue Shield ine nhepfenyuro yakazara yeMicigap yemishonga yema inshuwarano yehutano (Zvirongwa A kusvika N) zvinowanikwa.
Pamusoro peBlue Cross Blue Shield
Blue Cross Blue Shield ndeimwe yemazita makuru muhushuwarhu hwehutano kwete muUnited States asi munyika dzinopfuura 170 munyika yose. Sangano reUnited States rinosanganisira 38 masangano ehutano ehutano akasiyana. Kutanga kwekambani kunodzokera shure muna 1929 apo Blue Cross Blue Shield yakatangwa naJustin Ford Kimball sekambani yehutano yehutano yevadzidzisi.
Basa reUnited States rinowanikwa muChicago, Illinois uye rinopa mumwe munhu uye mhuri mhuri yehutano inshuwarisi, bhizimisi boka remishonga yehutano yehutano uye Medicare supplement zvirongwa kune vagari vemarudzi makumi mashanu, District of Columbia nePuerto Rico.
Sezvo Blue Cross Blue Shield ine masangano akawanda aripo, hapana kana imwe chete yezvemari yakasimba.
Zvisinei, AM Best inshuwarheni yehurongwa sangano yakapa huwandu hwezvinhu izvi zvakasiyana se "A +" Zvakanaka zvemari simba.
Purogiramu Zvikamu uye Zvipo
Blue Cross Blue Shield chirongwa chinogamuchirwa zvikuru nevashandi vezvehutano kusanganisira zvipatara, hofisi yechiremba uye maparamendi. Inopa sangano reMedricare supplemental inshuwarheni kuitira kuti ugone kuwana chirongwa chakanaka chokufananidza zvido zvehutano hwako uye bhajeti yako. Heano zvimwe zviitiko zvemarudzi ose eurongwa. Purogiramu yakajeka ichasiyana nemamiriro ehurumende, saka iwe unofanirwa kutaurirana neBlue Cross sangano renyika yako nekuda kwezvimwe zveurongwa hwemhando imwe neimwe.
Zvirongwa A uye B
Zvirongwa A neB zvinopa zvigadziriswa zvinoshandiswa paunenge uchibhadhara zvese zvinokonzerwa nekodzero dzinosanganisira unyanzvi hwekuyamwisa unyanzvi uye kutarisirwa kwekune dzimwe nyika kune dzimwe nyika. Zvikomborero zvakaputika zvakafukidzwa zana muzana zveMapu A neB uye Plan B inosanganisira 100 muzana yeChikamu A chichibviswa.
Zvirongwa C, F uye G
- 100 muzana yezvinokosha zvinobatsira
- 100 muzana yemukoti ane unyanzvi hwehutano
- 100 muzana yeChikamu cheA deductible
- 100 muzana yeChikamu B Chingawanikwa kunze kweChirongwa G chisingatauri Chikamu B chekubhadhara mari
- 100 muzana yeChikamu B Kuwedzerwa kunze kweGadziriro C iyo isingatengi Chikamu B Kubhadharwa mari
- Kutorwa kune dzimwe nyika kuenda kune dzimwe nyika
High Deductible Plan F
- 100 muzana yezvinokosha zvinobatsira
- 100 muzana yemukoti ane unyanzvi hwehutano
- 100 muzana yeChikamu cheA deductible
- 100 muzana yeChikamu B inotora
- 100 muzana yeChitatu B
- Kutorwa kwenyika kune dzimwe nyika
Purogiramu K
- 100 muzana yekuchengetwa kwekuchengetwa nekuchengetedzwa kwekuchengetedza zvidzidzo zvinokosha
- Zvose zvikomborero zvinobhadharwa zvinokwana 50 muzana
- Unyanzvi hunyanzvi hwekugadzirira huripo 50%
- Chikamu A deductible 50 muzana
- Hapana kugoverwa kweChikamu B chakakonzerwa
- Hapana kugoverwa kweChitatu B
- Hapana chinyorwa chekufambisa kune dzimwe nyika kune dzimwe nyika
Purogiramu L
- 100 muzana yekuchengetwa nekuchengetedzwa kwekuchengetedza kuchengetedza zvakakosha
- Zvose zvikomborero zvakabhadharwa pa75 muzana
- Unyanzvi hunyanzvi hwekugadzirira huripo 75%
- Chikamu A deductible 75 muzana
- Hapana kugoverwa kweChikamu B chakakonzerwa
- Hapana kugoverwa kweChitatu B
- Hapana chinyorwa chekufambisa kune dzimwe nyika kune dzimwe nyika
Ronga N
- Copay inoshandiswa kune zvinokosha zvinobatsira
- 100 muzana yemukoti ane unyanzvi hwehutano
- 100 muzana yeChikamu A Deductible
- Kutorwa kwenyika kune dzimwe nyika
- Hapana kugoverwa kweChikamu B chakakonzerwa
- Hapana kugoverwa kweChitatu B
- Hapana chinyorwa chekufambisa kune dzimwe nyika kune dzimwe nyika
Contact Information
Shanyira Blue Cross Blue Shield Association webasaiti kana kuti mudane 888-630-BLUE (2583) kuti uwane Bhuterana Blue Blue Shield Company uko unogona kuwana tsananguro kana kudzidza zvakawanda pamusoro peBlue Cross 'Medicare yowedzera inshuwarisi yemitemo uye mamwe mishonga yemishonga yehutano.