Inguva Yakawanda Ipi Inonzi Premium?
Medicare inouya muzvikamu zvitatu-Chikamu A, Chikamu B, uye Chikamu D. Chikamu A chakasununguka uye chinofukidza chipatara, hospice, imba yekuyamwisa, uye kutarisira utano hwemusha. Chikamu B inotora vanhu vakawanda $ 134 pamwedzi uye inotakura chiremba vanoshanyira uye mararamiro ezvokurapa zvaungagamuchira pane izvo zvinoshanyira. Chikamu D chinoshandisa mishonga inorayira zvinodhaka.
Usamirira Too Long
Kusiyana nezvikamu A uye B, Chikamu D chirongwa chekushandisa zvinodhaka chinouya kubva kumakambani einishuwarenzi ega.
Medicare inotora chikamu chemari. Kungofanana nezvikamu A uye B, kana iwe usina kunyora nezvechirongwa chechirwere chemishonga paunotanga kukodzera unogona kunge uchibhadhara chirango chekunyora kwenguva pfupi kunze kwekuti imwe yemamiriro maviri anoshandiswa:
- Iwe uchiri kushanda kana kuti une chirongwa chekushandisa mishonga yemishonga kubva kune imwe nzvimbo.
- Iwe unogamuchira rubatsiro rwakawedzerwa kubva kuna Medicare. Kubatsira kwakanyanya kubatsira vabatsiri vepasi-pasi vanobhadhara mari yemishonga yavo yemishonga.
Nzira mbiri dzeMedare Drug Coverage
Medicare Chikamu D kugoverwa kunowanikwa nenzira mbiri dzakasiyana.
Chokutanga, iwe unogona kuwedzera Chikamu cheD D kuChirwere cheMedare Chakutanga A uye B. Medicare ine chirongwa chekuwana chinokubatsira kuti uwane chinyorwa chinokodzera zvinangwa zvako uye bhajeti. Iwe unogona kutsvaga ne zip code, kuisa mishonga yemishonga inotora iwe uye pharmacy yako yemunharaunda pamwe chete nedzimwewo ruzivo uye mugadziri wezvirongwa achakupa zvisarudzo zveChitatu D zvinosanganisira mari.
Chechipiri, unogona kugamuchira Chikamu cheD D kuburikidza ne Medicare Advantage (Chikamu C) kana imwe hurongwa hwehutano hweMedare inopa huwandu hwemishonga yemishonga sechikamu cherongwa.
Kunyange zvazvo Chikamu cheC C chichiwana mari yakawanda kupfuura yaMedare yepakutanga, pasina kubhadhara kana zvimwe zvakadai seMedigap inshuwarisi, zvekutanga Medicare inodzinga zvakawanda zvekuvharidzira zvikwereti zvingakusiya nemitemo yezvokurapa iwe usingakwanisi kuripa.
Vanhu vakawanda vanosarudzwa kunyoresa muChikamu C chekudzivirira kuti vadzivirire pane zvinodhura mari.
Medicare Chikamu D Zvakawanda
Kana ukasarudza kugamuchira Chikamu D chekugovera sechikamu cheMedare yepakutanga, iwe uchabhadhara chikamu chako chemwedzi wepurogiramu yemwedzi. Izvi zvinowirirana zvichienderana nesarudzo yaunosarudza asi inharaunda yose yenyika ye 2018 iine $ 34 pamwedzi.
Kufanana neChikamu B uye kune dzimwe zvirongwa zvehushuwarisi, zvirongwa zvinowanzouya ne deductible-mari yauchabhadhara usati inshuwarisi inotanga kuripa chikamu chemari. Gore rakapetwa rakakosha rinobvumirwa neMedare muna 2018 i $ 405. Zvirongwa zvakawanda zvinouya nekuderedza zvishoma uye vamwe havana.
Chirongwa chimwe nechimwe chichavawo nebhadharo uye mari yekubhadharisa mari. Mari yekubhadhara ndiyo mari yakatarwa yaunobhadhara mitemo yako. Kubhadharwa kwemishonga inowanzova mari ye $ 5 apo mazita emishonga emishonga kune mamwe matavi angada kudha $ 25 pamayero. Matare ekumusoro angada kubhadhara mari yakawanda.
Iwe unogona kubhadhara mari yekubhadharisa mari yezvinodhaka munzvimbo dzakakwirira zvikuru. Kana iyo mvumo inodhura madhora mazana mana, unogona kubhadhara coinsurance ye 25 muzana ichiita chikamu chako chemutero $ 100.
Mimwe mishonga inogona kuda mari yekubhadhara uye mari.
Ngwarira: Nokuti Chikamu D chinotarisirwa kuburikidza nemakambani emishuwarenzi ega, mumwe nomumwe anogona kuisa mamwe mishonga muzvikamu zvakasiyana.
Iwe unogona kubhadhara zvakakwirira kubva muhomwe mari yekushandisa mishonga imwechete muzvirongwa zvakasiyana.
The Coverage Gap
Kana wapedza kushandisa $ 3 750 pamishonga yemishonga inogadziriswa iwe unopinda mukana wekuvharidzira kana kuti usabata sezvinonzi vamwe vanhu vanozviziva. Kupera kwekuvharidzira ndeyemiganhu yenguva pfupi pane izvo chirongwa chichagovera zvemishonga. Kana iwe uchiwana rubatsiro rwezveMedare iwe haungapindi mukana wekuvhara asi huzhinji hurongwa hwehushuwarisi haufaniri kuvhara gaka.
Muna 2018, Medicare ichabhadhara chikamu makumi matatu kubva muzana pamutengo wemishonga inonzi branded uye 56 muzana yemishonga inowanzoitika apo iwe uri munharaunda yekuvhara. Wako kubva muhomwe yekutengesa ndeyekupedzisira kuchakuita kuti urege kubvisa mukana wekuvhara uye zvizhinji zvezvaunenge uchibhadhara panguva yakasara ichaverengwa. Mamwe makambani emishonga anosayina chibvumirano neMurengeti kupa zvikwereti pamishonga yezita-mazita kune vanhu vari mukati mekuvhara.
Nzira Yokutengesa Kuvhara
Dzimwe nguva dzinodhura zviri nani asi munyaya yeMurengeti weDD kugovera, zvichida hausi. Chinhu chinonyanya kukosha kutarisa chirongwa cherongwa hwemishonga iwe waunotora ikozvino. Kana hurongwa huri pasi-huno husati hwavhara mishonga yako, yako kubva muhomwe yezvinhu zvinodarika ichawedzera kudarika mari yawakachengetedza pamapurayamisi. Tarisa pazvikomborero uye uenzanise nezvaunogona kubhadhara muhomwe. Uyezve tarisa pane zvinotarisirwa kare, panguva, uye mushure maro. Kana ukangoverenga kuti iwe waizobhadhara zvakadini kana icho chirongwa chaizobhadhara chii, ipapo tarisa purogiramu. Dzimwe nguva purogiramu yakakwirira ichakubhadhara zvishoma nokuti iwe uri kunze kwehomwe mari inoderera.