Mishonga Ndeipi Isingavaki
Zvamusingazivi nezvaMedare ndezvokuti zvipo zvemishonga zvinomiswa mushure mekunge wasvika pane imwe nzvimbo yemadhora.
Izvi zvinotumidzwa se "Medicare donut hole." Mushure mekunge mawana kudhakwa kwemishonga yemishonga, Medicare inokweretesa zvimwe zvikamu zvemishonga yako yezvinodhaka zvinodhaka - izvo, kusvikira iwe wasvika pane imwe nzvimbo yegomba. Iyi ndiyo nguva yakatarisana apo Medicare inorega kubhadhara kuchengetedzwa kwemishonga kusvikira mishonga yako yemutengo inosvika "inotyisa".
Kana ukangosvika padambudziko rakaipa, Medicare ichabhadhara 95 muzana yemishonga yemishonga inodhaka. Vakawanda vakwegura vanomira kutora mishonga yavo kana vachinge vasvika pakapera iyi. Izvi zvinoita kuti vawedzere kurwara uye kunyange rufu. Vakuru havafaniri kuiswa munzvimbo yekufanira kusarudza pakati pemishonga nezvimwe zvidikanwi. Iwe haufaniri kunetseka pamusoro pokusava nehupenyu hunotsigira mishonga yemishonga kana iwe une Medicare yakanaka gap coverage.
Chimwe chisina kukodzera cheMedare ndeyeiwo mashizha akwegura asina kukosha kugoverwa kwevamwe nheyo dzinokosha zvakadai sekuonekwa uye kunzwa.
Vakawanda vevamwe vakwegura vari muMedare vane zviratidzo kana zvinetso zvekunzwa. Zvakare, pano imwe nzira iyo Medicare gap kuparadzanisa kunogona kuita kuti kusiyana kwevakuru vakwanise kuwana zvigaro zvehutano zvavanoda chaizvo.
Kufunga nezvekutenga chirongwa cheMederal Supplement Plan
Paunosarudza chirongwa cheMedigap , une 10 zvigadziriswa zvakarongwa zvokusarudza kubva (A, B, C, D, F, G, K, L, M, N, uye,), uye vazhinji vanovimbiswa zvakare patsva hupenyu, zvichireva kuti kana iwe uchibhadhara mubayiro wako pane imwe nguva, haungasunungurwi nekuda kwehupi hutano kana nekuda kwezera.
Kuti uwane rubatsiro rwezvehutano rwezvechiremba ruchashanda zvakanakisisa kuti ruzadzise zvido zvako zvekurapa, uchafananidza kuenzanisa uye kunyatsocherechedza zvikomborero uye zvingasarudzwa zvinopiwa nechirongwa chimwe nechimwe. Heano mamwe emusoro ekufungidzirwa kwekuenzanisa chirongwa cheMedare supplemental:
- Rudzi rweMupa Zvirongwa Zvinowanikwa : Uchada kuziva kuti ndeapi mapepa ekupa mazano aripo. Izvi zvakakosha sezvo zvichatsarudza vadzidzisi vehutano iwe unobvumirwa kuona. Iwe unofanirwa kuziva kana iwe unogona kusarudza iwe pachako iwe unopa utano hwehutano kana kuti unofanira kushandisa chiremba kana nzvimbo yekuchengetwa kwehutano iyo chikamu cheHMO kana PPO. Tsvaga kana kusatumirwa kunokosha here kana iwe uchida kuona nyanzvi uye kana mari inobhadharwa nehuwandu hwehuwandu hwe inshuwarisi.
- Dhipatimendi Drug Coverage : Kudyorwa kwemishonga kunowedzera chikamu chikuru chemari yehutano. Tsvaga kana chirongwa ichocho chiri nemari yekubhadhara mari, yakawanda sei, uye kana pane ductible iwe unogona kugutsikana kuitira kuti mari yako yese yezvinyorwa igone.
- Zvimwe Makomborero : Panogona kuva nezvimwe zvikomborero zvaunoda zvisingawanikwi neMurengeti wenguva dzose. Zvichienderana nemamiriro ako ezvinhu, izvi zvinogona kuva zvakakosha zvikuru. Zvimwe zvezvimwe zvinoshandiswa pakutsvaga zvaunoda kuziva kuti zvinosanganisira kugoverana kwekunzwa uye maonero ekuona.
- Zvose zvinotarisirwa zveGurongwa : Chirongwa chinopa mamwe mazano kune iwe chichawanzova yakadhura. Iwe uchafanirwa kuziva kuti chii chinonyanya kukosha kwauri - rusununguko rwekuzvisarudzira iwe pachako mazano nevanopa zvipo kana kuchengetedza mari yekuchengetedza utano zvishoma. Kana iwe uchienzanisa zvirongwa zvakanyatsonaka, unogona kuwana "svikiro inofadza" apo unogona kuchengeta mari pasi apo uchikwanisa kuva nevamwe vekupa uye zvekushumira zvaunoda.
Medicare gap chinyorwa chinogona kubatsira kubvisa kushushikana kupi zvako kwaunayo pamusoro pokubhadhara kuchipatara chisingafukidzwi nepurogiramu yako yazvino yeMedare. Unobvumirwa kutenga mutemo weMedigap nokukurumidza paunosvika makore makumi matanhatu nemashanu uye unokodzera kunyoresa mune Medicare Benefits nguva dzose (Zvikamu A & B). Kana uri kutora chikwereti, ona kana mushandirwi wako achiwedzera kuwedzerwa kwehutano hwezvino hwehutano hwekubatsira kuwedzera Medicare yako inobatsira.
Kana iwe usina chokwadi nezvehuwandu hwekuwedzera inshuwarirwo yemishonga yaUrivha inogona kudikanwa, taura nemuranda wako weinishuwarenzi uyo angakwanisa kukubatsira kuti uwane chirongwa chisingakwanisiki nekodzero yekugadzirisa.
Ndeupi musiyano pakati peMedare uye Medicaid ?