Bhuku rekutenga raMedare Inobatsira Mazano
Kuwana kusununguka kunogona kureva kuzadza hope dzawakave nadzo kwemakumi emakore asi usati waenda parwendo rwako rwokutanga pasi pose, mune dzimwe nyaya dzezvemari iwe unoda kupinda. Zvinosuruvarisa, ivo vanouya nemashoko akawanda akaoma, mitero inoshandiswa, uye mitemo yaunofanira kunzwisisa. Imwe yezvinonyanya kukosha ndeye Medicare.
Iwe unogona kunge wakanzwa izwi rokuti, "Medicare Advantage" mune zvekutengeserana, mailings, uye paIndaneti.
Iwe ungangodaro wakanyora zvinyorwa izvi sechinhu chisingakoshi kana kuti chakanaka chekushaya ruzivo asi kunzwisisa Medicare Advantage kunokosha kuti uwane huwandu hwaunoda uye huchengetedze pamitemo yemishonga yaunogona kusingakwanisi kuripa.
Kuzadza zvikamu
Chokutanga, unofanirwa kunzwisisa kuti Medicare inoshanda sei uye zvinoreva kunzwisisa chikamu chimwe nechimwe. Medicare ine zvikamu zvina-Zvikamu A, B, C, uye D. ( Dzidza pamusoro pezvikamu chimwechete pano ) Zvakakosha kuziva ndezvikuti Zvikamu A uye B, inozivikanwa seChechi yeMutare, inongotakura chikamu chemari yako yezvokurapa uye mashizha iwe pachikwangwani kuti ubhadhara mabhizimusi makuru ezvokurapa kubva muhomwe. Ngatitorei mamiriro mashomanana.
Funga nezveChikamu A se inshuwarisi yezvipatara. Kana iwe ukabvumirwa kuenda kuchipatara chero chikonzero chipi nechipi, Chikamu A chinopa chikwereti chako chipatara asi iwe unofanira kubhadhara $ 1,316 yekutanga kubva muna 2017 uye kana uchienda kuchipatara kazhinji, unogona kubhadhara $ 1,316 nguva imwe neimwe.
Mushure mememazuva makumi matanhatu, iwe unobhadhara $ 329 pazuva uye pashure pe90, mari yako inokwira ku $ 658. Ita mathemoni uye iwe unoona kuti haitore nguva yakareba nokuda kwako kwekunze kwehomwe mari kuti uwane maitiro ayo anowanzorega kubhadhara asingagoni kuwana.
Zvakadini neChikamu B? Funga nezveChikamu B sechifukidzo chipi zvacho chawakaitirwa iwe-mishonga yezvokurapa, kushanya kwachiremba, kuongororwa, maambulance services nezvimwe.
Iwe unogona kunge uchibhadhara madhora $ 134 pamwedzi semari yemwedzi wepamwedzi. Kana mari yako yakakwirira, iwe uchabhadhara zvakawanda asi vanhu vazhinji vanowana Social Security vachabhadhara zvishoma-inenge $ 109. Iko kunotsvaga kwakanyanya kudhura pa $ 183 asi kana ukasangana nayo, unofanira kubhadhara 20 muzana yezvose zveMederalare-zvinotumirwa mari chero bedzi mupi wehutano anogamuchira Medicare mugove asi hapana chikwata.
Nokuda kwemaitiro mashoma, kana mari yako yose yezvokurapa kwegore yaiva $ 100,000, iwe unenge uine $ 20,000 pamwe neChikamu A chako mari kana iwe uri muchipatara. Iwe unobhadhara 20 kubva muzana yemari yakakwana pasinei nokuti yakakura sei.
Chikamu D chinoshandisa mishonga inorayirirwa asi kune imwe nzvimbo inonyadzisa "mhando yegomba." Kana iwe nemarongwa ako wakashandisa madhora mazana matatu nemazana manomwe pamakwenzi akavhara zvinodhaka, iwe uri mutoro we40 muzana yemari yezviratidzo zvemishonga uye 51 muzana yemagetsi kusvikira iwe uchisvika madhora 4,950.
Kana ukangoshandisa zvakakwana kuti uende kunze kwepakati pekuvhara, izwi rokuti Medicare rinoda kushandisa pane "donut hole", yako mari inowanikwa zvakare. Iwe unongobhadhara mari shoma chete asi iwe uri muhomwe iyoyo iwe wakabhadhara zvingava nezviuru mumadhora kunze kwepahomwe pamwe chete nebhadharo yemwedzi wepamwedzi kusvika ku $ 76.20 pane kuwedzera kwepurogiramu yako yemwedzi.
Zvaunotora Zvinokurumidza Kukurumidza
Mugore rimwe chete kwaunogona kuvhiyiwa uye kupedza nguva yakawedzerwa muchipatara, unogona kuisa mari yezvechiremba yakakwirira kupfuura iwe unogona kubhadhara. Mukufamba kwemakore kana makumi emakore, izvi zvinotungamirira zvinogona kutungamirira mune imwe nhamo yemari iwe nemhuri yako.
Izvi ndezvizhinji zvakare mienzaniso asi izvi ndezvipiri zvemuenzaniso mukuru wemapapanhi mumutambo wako weMedare. Kunze kwekuti iwe uine mari yakawanda yakachengetedzwa iwe unoda humwe huwandu hwekuzadza kuzadza izvi. Ndiyo mapurogiramu e Medicare Advantage anouya
Chii chinonzi Medicare Advantage?
Kune nzira mbiri dzekugamuchira Medicare yako inobatsira. Iwe unogona kuva neChirwere cheMedare kana chirongwa cheMederal Benefits, icho chinozivikanwawo seChikamu C. Yeuka kuti Chiremba Chekutanga Chikamu A uye B uye chinotungamirirwa nehurumende yehurumende.
Iwe haugamuchiri mishonga yemishonga yemishonga pamwe neAsia Medicare.
Iyo inozivikanwawo seChikamu C chekuvhara, zvirongwa zve Medicare Advantage zvinoshandiswa nemakambani emishuwarenzi ega. Hurumende yehurumende inobhadhara makambani ari oga kuti ape chikamu cheMedare mari uye mari inobhadharwa inobhadhara chikamu chekugoverwa nenzira yemwedzi wepamwedzi. Pasi pechikamu C, iwe unogamuchira zvose zveChikamu A uye chikamu cheBumbi B iwe unofanirwa kupinda pasi peurongwa hweMutambo weMedare pamwe nezvimwe zvikomborero.
Mhando dzeMedare Inobatsira Mazano
Medicare Inobatsira zvirongwa zvinoshanda zvakafanana nenzira yehutano yehutano inshuwarheni. Iwe unogona kutengesa zvakapoteredza chirongwa chine zvinhu zvaunoda pamutengo unokodzera bhajeti yako. Kune 5 mhando mikuru yezvirongwa:
Health Maintenance Plans (HMO): Aya ndiwo marudzi ezvirongwa izvo vanhu vakawanda vasingadi nokuti zvinoda kuti vaone vanachiremba muurongwa hwehutano. Iwe unogonawo kutora kutumirwa kubva kuchiremba wako wekutanga. Kusiyanisa kunoitwa nokuda kwehutano hutsva asi kunze kweizvozvo, haungasviki pakusarudza vatapi vehutano waunoda. Asi zvirongwa izvi zvinowanzonyanya kukosha.
Mutengi Anofanirwa Sangano (PPO): Iwe uchabhadhara zvishoma kana ukagara mu-network asi hazvidiwi. Iwe uchabhadhara zvakawanda mu-kunze kwehomwe mari kana iwe uchienda panze kwenetaneti.
Zvimwe Zvido Zvekudiwa (SNP): Zvirongwa izvi zvinopa vanhu vane zvirwere zvisingagumi kana zvimwe zvinodiwa.
HMO Point-of-Service Plans (HMOPOS): HMO zvirongwa zvinogona kukubvumira kuti uwane rubatsiro kunze kwenhare yako kune imwe yenheji yepamusoro.
Bhuku Rekuchengetwa Kwemari (MSA): Sungai urongwa hwehutano hwakakosha hunobhadharwa nekambani yebhangi yekubhadhara mari yemari. Medicare inopa mari munyaya yekubhadhara mari yehutano.
Nzira Yokutenga Purogiramu
Nomutemo, zvirongwa zvose zveMedricare Advantage zvinofanira kupa zvinhu zvose zveMutambo waMedare zvinopa kunze kwevamwe kutarisirwa kwekuchengetedza, izvo zvinowanikwa muChikamu A. Haufaniri kunetseka nezvekusagamuchira zvikomborero zvamunofanirwa nazvo.
Mishonga yega yega Inobatsira chirongwa chine gore rinenge risati rapera. Kana ukangosvika muganhu uyu, urongwa hunofukidza 100 muzana yemari yako yegore rose. Yeuka izvo zvinogona kuita zvikwereti zvikuru kana iwe ukarwara zvakanyanya? Iyi ndiyo chikamu chinoita kuti chirongwa cheMederal Advantage chive chakaisvonaka.
Zvimwe zvirongwa zvinopa mamwe maitiro akafanana neurongwa hwemishonga yemishonga, kunzwa, mazino uye maonero, uye zvirongwa zvehutano uye hutano. Nezvimwe zvikomborero zvinouya mamwe mari.
Kana iwe usingadi kuchinja vanachiremba, iva nechokwadi chokuti chirongwa chipi chaunofunga chinonyora madherechi enyu iye zvino sechikamu chekubatana kwavo. Pakupedzisira, nyeredzi yeurongwa ndeyei? Medicare inopa chirongwa chimwe nechimwe nhamba yeredzi iyo inotarisa unhu hwayo. Nhamba yechishanu-nyeredzi inoreva kuti chirongwa chacho chepamusoro-soro. Izvo zvishomanana nyeredzi, kunyanya iwe unofanirwa kuisa pachena pane chirongwa ichocho.
Mutengo
Muna 2016, chiyero chemari ye Medicare Advantage HMO chirongwa chaive $ 39 pamwedzi asi PPO yaiva yakakwirira zvikuru pa $ 75 pamwedzi. Zvimwe zvirongwa hazvisi zvishoma asi zvinogona kukodzera yako yehutano inishuwarenzi inoda.
Kuti utange kutengesa zvirongwa, enda kuMurengeti wePuraneti, ona chip code chako uye chero humwe humwe ruzivo rwaungada kupa. Iwe unogona kuenzanisa zvinhu uye mutengo wepurogiramu imwe neimwe. Zvimwe zvirongwa zvicharatidza zero premium asi iwe unotofanira kubhadhara mari yepuraimari yaungadai wakabhadhara pasi peMederal original. Medicare yakaoma uye iwe haugone kukanganisa nekugovera kwako. Funga kutaura kune yunishuwarenzi inonyanya kukosha muMedare.
International Coverage
Kana iwe uronga kupedza nguva yakawanda kubva kunze kwenyika rangarira mupfungwa kuti Medicare zvichida haifaniri kuvhara kurapwa kwako kunze kweiwo zvisingawanzoitiki. Iwe zvichida unoda inshuwarisi yekufamba, inowanikwa kunze kwe Medicare yako yekuvhara. Taura nemumiririri weinishuwarenzi kuti ubatsirwe chaicho chaunoda.
Ramba Wakachengeteka
Maererano neMedare, hapana munhu anofanira kukushevedza kana kuuya kumba kwako kunze kwekunge iwe uchivapa mvumo. Hapana munhu anobvumirwa kukutengesa iwe Medicare products unannounced uye haufaniri kupa chero ruzivo rwemunhu oga kunze kwefoni kunze kwekuti iwe wakakumbira kambani kukushevedza iwe.
Vanofanirwawo kukubvunza kuti uwane ruzivo rwezvemari, kusanganisira nhamba yebhangi kana nhamba dzekadhi rechikwereti, pamusoro pefoni.
Pakupedzisira
Kunyange zvazvo Chiremba Chepakutanga chinouya pamutengo unodhura zvikuru, haufaniri kuuona sewe chete hutano hwehutano hwaunoda. Izvo zvipingamupinyi muhupfumi zvinomiririra njodzi chaiyo yezvemari kumari yako yekuchengetedza mari. Inyoresa mu Medicare Inobatsira kana imwe yechirongwa yekuzadza zvikwereti zviripo.