Medicare yakaoma. Heino mutsara wekuti unoshanda sei.
Medicare ine zvikamu zvina, Zvikamu A, B, C uye D. Chikamu chimwe nechimwe chinofukidza zvinhu zvakasiyana. Kwose Medicare haina kuvhara mari yako yese yekuchengetedza utano, saka vazhinji vanoenda mubhadharo vachada kuwedzera kugoverwa nenzira yePirate Supplement chirongwa kana Medicare Advantage chirongwa, uyewo mamwe mararamiro ehurumende yenguva refu.
Medicare Basics
Medicare chinyorwa chinotanga neAndi A uye B.
- Chikamu A chinonzi inshurensi yezvipatara. Izvi zvakasununguka kune vanhu vakawanda.
- Chikamu B chinonzi inishuwarenzi yezvokurapa. Inosanganisira mamwe mabasa nemishonga inofanirwa kurapa mamiriro ezvehutano uye mamwe mabasa ekudzivirira. Iwe unobhadhara premium yemwedzi weChikamu B.
Medicare Zvikamu A uye B zvinosanganisira izvo zvinonzi " Original Medicare" . Tarisira Chiremba Chiremba chekutanga kuvhara anenge 50% yehutano hwako hwose hwekutarisira; kunyanya mishonga inobatsira mabasa uye kudzivirira mabasa. Kuti uone kana basa rakavharwa iwe unogona kushandisa "ndiyo kuedza kwangu, chinhu kana basa rakavharwa" chinhu chiri pawebsite yeMedare.
NeChirwere Chekutanga, sezvinoratidzwa nemamwe mapurogiramu einishuwarenzi, iwe uchiri kukwanisa kubhadhara, kubhadhara mari, uye mari yekubhadhara mari pamwe chete nemari yepamutemo. Ndiyo apo Medicare Parts C uye D vauya-vachipa humwe huwandu hunogona kutenga.
- Chikamu C chinonzi Medicare Advantage Plan , kana Medicare Health Plan. Iyo inishuwarenzi yega yega inopa kugoverwa mune imwe chirongwa chinosanganisira Medicare Parts A uye B, uye inogonawo kusanganisira chirongwa chechirongwa chemishonga (Chikamu D). Medicare Makomborero mapurogiramu anogonawo kusanganisira mamwe mabasa akafukidzwa akadai sewaono, mazino, uye kunzwa. Zvirongwa izvi zvingadhura zvishoma kune zvimwe zvingasarudzwa kana iwe usingawanzodiwa zvekurapa.
- Chikamu D chinoreva kuongororwa kwechirwere chemishonga inogona kuwedzera kune yako yeMedare Inotangira A uye B.
Paunenge uchinyora muMedare iwe uchafanira kusarudza kana iwe uchida Chiremba Chiremba kana chirongwa cheMederal Benevantage Plan . Nzvimbo yako, bhajeti, chiyero chekufamba kwaunoita, uye vatarisiri vese vanofanira kutaridzirwa pakuita chisarudzo.
Ndiri kukodzera kuMurengeti?
Kuti uve akakodzera kuMedare unofanira kuva:
- Akapinda muUnited States nenzira yepamutemo
- Akagara muUnited States kwemakore mashanu
- Medicare inoshandawo kune vanhu vari pasi pemakore makumi maviri nemashanu nehumwe hurema, uye vanhu vezera chero ripi neripi vane kusagadzikana kwetsvo kusingaperi.
Zvinodhura zvakadini kunyoresa kuMedare?
Medicare Chikamu A - Vanhu vazhinji havafaniri kubhadhara mubayiro wemwedzi weMedareti A A nokuti ivo kana mumwe wavo vakaroora Medicare mitsva pavanenge vachishanda muUnited States, uye vane 40 kana kupfuura kwemagare eMedare-akavharwa basa. Kana iwe usingakwanisi kuwana premium-isina Chikamu A, iwe unogona kunge uchikwanisa kunyora, uye kubhadhara premium. Nokuti 2016 chikamu A premium iri $ 411 pamwedzi kune vanhu vasina kukodzera kubhadhara inshurensi yepamusoro yehurumende yehupisi uye vane mamiriyoni makumi matatu ematatu emabasa aMedare.
Medicare Chikamu B - Kune avo vanyoresa kuMedarere muna 2016, iwe uchabhadhara chirwere chinonzi Medicare Part B cha $ 121.80 pamwedzi kunze kwekunge iwe uchigadziriswa mari yakawandisa yakawanda kupfuura $ 85,000 kune imwe chete filers / $ 170,000 pamatareji akabatanidzwa.
Medicare Chikamu B uye D-premium zvinoreva-kuedzwa kuitira kuti kana mari yako inopfuura mari iyi iwe uchabhadhara premium yakakwirira.
Medicare Chikamu C - Zvikwereti zveMedare Inobatsira Zvirongwa zvakasiyana. Iwe unogona kushandisa chirongwa cheMedare chekuwana muchengeti chekutsvaga nzvimbo yekutsvaga nzvimbo yako uye ona mapurogiramu anofungidzirwa uye zvinobatsira.
Medicare Supplement Policies - Kana uchienda neAradio Medicare zvinenge zvichida iwe unoda kutenga Mutemo we Medicare Supplement, dzimwe nguva unonzi "Medigap" mitemo. Zvikomborero zvinopesana zvichienderana neurongwa hwaunosarudza.