Vhura kuverengwa kunobatsira kuti uvandudze zvirongwa zvako zveMedare.
Chimwe chekudzidza muHealth Affairs chakawana kuti 95 muzana yeVayenzi veMedare vaibhadhara chikamu chavo cheChikamu D chekushandisa zvirongwa zvemishonga, zvimwe ne $ 500 gore negore.
Medicare mari inogona kuwedzera pamusoro penguva. Ichi ndicho chikonzero chakanaka chekuchengetedza hutano mari yekuve iyo chikamu chekuronga basa rekurega basa pamwe nemudzidzisi wako wezvemari.
Kune vashandi veMedarere, kunyorwa kwegore rimwechete kwegore apo iwe unogona kutora matanho ekukanganisa mari yako kuburikidza nehutano hwakanaka hwekusarudzwa kwehutano, kusanganisira kusarudza kwako Chikamu D chirongwa chemishonga chemishonga kana chirongwa cheMedare Advantage.
Chimbofunga zvinhu zvinotevera zvinoratidza kuti inguva yekudzokorora chirongwa chako cheMedare munguva yekunyorwa kwegore.
1. Mishonga Inobatsira zvirongwa zvinoshanduka. Semuenzaniso, muna 2014, inshuwarisi yehutano yevatengesi yakawedzera 309 Medicare Advantage zvirongwa uye yakabvisa zvirongwa 378, maererano neKaiser Family Foundation. Mukuwedzera, inishuwarenzi yevatakuri inogona kugadzirisa purogiramu yemwedzi uye imwe hurongwa hurongwa, naizvozvo zvakakosha kuongorora kuchinja uku gore rega rega.
2. Mitengo inokwira, dzimwe nguva yakawanda, nokuda kweChikamu D zvirongwa zvemishonga. Zvichienderana neunogara, zvinogona kuva makumi mana kana kupfuura Zvikamu zveD D zvirongwa zviripo.
Kutenga pakati pezvinhu izvi zvose zvinotora nguva uye zvinoda kutarisirwa kumashoko. Hungu, zvingaita sezviri nyore kugara nechinangwa chimwe chete. Asi muna 2014, 6 kubva pane gumi inonyanya kuzivikanwa yeChirungu D yezvirongwa zvemishonga inoratidzira yakaona mapurogiramu avo achiwedzera ne10 kubva muzana kana kupfuura, Kaiser akadaro. Dhijidhi-nhamba yemari inowedzera haisi chinhu chokuderedza.
3. Ingada kuva nguva yekudzorera zvakare Medigap. Kunyange zvazvo kunyora kwegore negore hakubvumiri kuti chirongwa cheMedigap chichinje mune dzimwe nyika, zvingava nguva yekuongororazve zvinyorwa zvekugadzirisa hurongwa uye kuenzanisa nemamwe mapurogiramu e Medicare Advantage. Medigap zvirongwa zvinogona kuwedzera gore negore kana kuti iwe wakarova mamwe matanho emakore. Imwe rubatsiro rwekuverenga kwaMedare rwegore negore ndiyo inozivikanwa se "chirongwa chakarurama" kushandisa chirongwa cheMedare Advantage kwemwedzi 12. Kana iwe usina kugutsikana panguva iyi yekuedzwa, unogona kudzokera kune chirongwa cheMedigap pasina chirango kana kunyora pasi.
4. Mamiriro ega ega anochinja munguva. Rufu rwemumwe wako, kuchinja mune mari, kana zvimwe kuchinja mune zvekubhadhara mari, zvose zvinokonzerwa nehutano hwako hwekutengesa kusarudza. Mukuwedzera, hutano hwako hunogona kunge hwakashanduka mukati memwedzi gumi nembiri yapfuura kana nzira dzezvehutano dzinogona kutarisirwa pamwedzi 12 inotevera. Izvi zvinofanirwa kuongororwa, uye kutarisirwa kweutano hwakasiyana pakati pevakaroorana kunofanirwa kuonekwawo. Dzimwe nguva mumwe mudzimai ane ruzivo rwakakwana kuburikidza neMedigap uye Chikamu D, asi mumwe mudzimai ane zvishoma zvido zvekuchengetwa kwehutano angasimbiswa (uye achibhadhara miriyamu inokosha). Medicare Inobatsira inogona kupa imwe nzira inoshandiswa inodhura kumudzimai ane zvishoma zvido zvekuchengetwa kweutano.
Zviri pachena, Medicare isarudzo inoshamisa yezvisarudzo. Kune zvakawanda, zvikonzero zvakawanda zvakanaka zvekudzokorora kugoverwa panguva yekunyorwa kweMedare gore negore. Inishuwarenzi yehutano vatakuri 'vari kuramba vachichinja zvipo zvavo, matengo uye zvigadzirwa, zvakadai semishonga yemishonga inogadzirwa nemishonga. Izvozvo zvinoreva kusarudza kusarudza kunogona kuwedzera pamusoro penguva refu.
Mashoko Akanaka: Mishonga Yokunyora Nzira
Nhau dzakanaka ndeyokuti Medicare inyoresa gore-Oct. 15 kusvika Dec. 7-ndiyo nguva yekutanga kunyatsoongorora zvirongwa zviripo kwauri. Zvakakoshawo kuona kuti kune rubatsiro runowanika pakuita izvi kuenzanisa nekusarudza. Nhare dzepaIndaneti dzakadai seAllsup's Medicare Advisor program inowanikwa pamutengo. Iwe unogona zvakare kuedza OneExchange's Online Medicare Plan Selection tool, kana kuti taura nemumwe mutengesi wehutano inshuwarheni kuti akubatsire kuronga kuburikidza nezvamunosarudza.
Kunyatsochengetedza utano hwakanaka kunogona kupa zvakakosha mari yemabhadharo aMedare.
Nekufungisisa kwepfungwa kumwaka uyu weMedare, vazhinji vanopiwa Medicare vanogona kuona zvikomborero zvakakosha uye mari yekuchengetedza mari kuburikidza nokutora matanho uye kuongorora maitiro avo aMedare.
Nyaya ino inouya kwatiri nekuremekedzwa kweEllsup , mutapi wenyika yose weHuman Security yekuremara, chikwata chekuremara kwevanhu veterans, shanduro yemari uye Medicare services, kusanganisira Allsup Medicare Advisor®, kune vanhu, vashandi uye inshuwarisi vatakuri .