Nhungamiro yeChirangaridzo kune Mishonga Yezvipatara A, B, C, uye D

Medicare Coverage uye Zvikomborero zvakaparadzaniswa kuZina Zvikamu Zvikuru

Medicare inonyanya kuzivikanwa seUnited States federal health insurance program inowanikwa kuAmerica vagari vemazera makumi matanhatu nemashanu kana kupfuura, asi Medicare inobatanidza mamwe madiki maduku akadai sevanhu vanotambura nehurema. Yakagadzwa muna 1965, Medicare yakakura kuva mutevedzeri unonyanya kukosha wehutano inshuwarisi kuvakuru vekuAmerica. Kunyange zvazvo nhau dzakasiyana-siyana dzehupfumi dzakurukura kuve kwenguva yakareba kusingabatsiri kweMedare, huwandu hwehurongwa huri pedyo hunovimbisa kuti hurumende ichawana nzira yekuenderera mberi kubhadhara purogiramu yacho.

Vamwe vakasiya mari vauya kune vose asi kuvimba neMedare nekuda kwezvido zvavo zvehutano mukurasikirwa.

Asi kungoronga kunyoresa muMedarera kunobatsira pazera remakore makumi matanhatu hazvikwanisi hurongwa hwehutano hwako. Pane zvakawanda zvekuziva nezveMedare uye zvikamu zvakasiyana-siyana, kunyanya kana zvinosvika pane izvo zvinoputika uye zvisingabatsiri. Kunzwisisa Medicare ndiro danho rokutanga mukuronga kwehutano hwako mukurasira .

Urongwa Hwehutano Hwehupenyu Mukurasikirwa

Utano hwekuchengeta mari ndeimwe yezvinhu zvisingatarisirwi uye zvingangodhura zvikamu zvakadhura zvekuronga basa. Medicare inoita zvishamiso kuti uise chimwe chimiro kumucheto wechipatara, asi inongova imwe chete yemufananidzo. Kuita kuti zvinhu zvive zvakaoma, mapurogiramu ari mukati meMedarere ari mukati mawo pachawo akaoma zvikuru, uye vazhinji vanoenda mubhadharo havanyatsonzwisisi kuti chii chavanowana kune Medicare.

Nzvimbo yakanakisisa yokutanga pakunzwisisa Medicare ndeyekuziva zvikamu zvina zvekutanga:

1. Medicare Chikamu A
2. Medicare Chikamu B
3. Medicare Chikamu C
4. Medicare Chikamu D

Ngatitorei mhedziso pfupi yezvikamu izvi.

Medicare Chikamu A (Inishuwarenzi yezvipatara)

Medicare Chikamu A inozivikanwa se inshurensi yezvipatara sezvo inosanganisira mari yezvipatara sezvinogara muzvipatara zvisingagari, unyanzvi hwekuchengetedza vakwegura, uye hospice. Mukuwedzera, Chikamu A rinosangana nedzimwe sangano semarayiti ekuongorora uye kuvhiyiwa pamwe chete nemishonga inoshandiswa sezvikwata zvevashure uye vanofamba.

Medicare Chikamu A ingangodaro chikamu chinonyanya kuzivikanwa purogiramu yeMedricare nokuti inopiwa pasina mari yekuwedzera kune vakaroorana (uye avo vakaroorana) avo vakabhadhara makore gumi mumutambo. Asi Chikamu A chinowanzotarisirwa kugoverwa nekukurumidzira sezvo ichi ndicho chisina kubhadhara muhutano hwehutano inshuwarheni. Kunyange zvazvo zviri nani pane inishuwarenzi zvachose, vazhinji vakasiya mari vanosarudza kuwedzera kugoverwa nenzira yeChikamu B.

Medicare Chikamu B (Mishonga Inoshuwarenzi)

Medicare Chikamu B inozivikanwa sehushuwarisi yehutano sezvo iri kuwedzera kwechipatara nehutano hwehutano / imishonga inopiwa neChikamu A. Chikamu B cheMedare rinovhara kuchengetedza kurapwa, chiremba anoshanyira, basa rebazi, uye mabasa ekurapa sekurapa kwepanyama. Chikamu B chinogonawo kuvhara mari dzakadai semamulensiro, hutano hwehutano, uye mamwe mishonga yemishonga. Chikamu chakakosha zvikuru cheChikamu B ndechekuti inosanganisira izvo zvinoonekwa sekuchengetedzwa kwekudzivirira, kwete kungofanana nezvinodiwa mune zvehutano zveChikamu A.

Kuti ugamuchire Medicare Chikamu chekutanga B, zvisinei, iwe unofanirwa kubhadhara uye kubhadhara mubayiro wepamwedzi. Kuwanda kwehuwandu huripo hunosiyana zvichienderana nemari yaunowana, saka kana iwe uchiwedzera iwe mukurasira, inowedzera Medicare yako B premium ichave.

Asi kunyange pakati pezvikamu A neB, pane zvimwe zvikwereti mukuparidzira. Somuenzaniso, kunyange neChikamu A uye chikamu cheBumbi B, hutano hwakadai sekuchengetedzwa kwemazuva mazhinji, kutarisira mazino akawanda, kuongororwa kwemaziso gore negore, uye rubatsiro rwekunzwa rubatsiro harufukidzwi.

Medicare Chikamu C ( Medicare Advantage Plans )

Medicare Chikamu C inowanzonzi Medicare Advantage. Pamusoro wepamusoro, Chikamu C chinopa imwe nzira kune Zvikamu A uye B uye zvinowanzobvisa kudiwa kweInisipap inshuwarisi . (Medigap yunivhesiti inowanzosarudzwa sarudzo kune avo vane Zvikamu A uye B. Medigap inoshandisa vamwe pamakomba muMedare inoparidzirwa). Chikamu C chinonyatsowanikwa kuburikidza nemakambani ega ega anobvumirana neMedarere kupa Hurongwa A uye Chikamu B. Chimwe chikomborero chikuru chemishonga inobatsira chirongwa ndeyekusarudzwa kwesangano kunosangana ne (seHMO, PPO, Medical Savings Account Plans ) pamwe chete nekukwanisa kwepamusoro pezvinodhaka zvinodhaka zvinodhaka.

Medicare Chikamu D (Chirongwa cheMishonga Inodhaka)

Chimwe chezvinyorwa zvakakura pakuvhara muMedare Parts ndezvekupa mishonga inodhaka. Yakasimbiswa muna 2003, Medicare Part D ndiyo chikamu chitsva uye inoshandisa mishonga yemishonga kune avo vanosarudza kutenga chikamu ichi kuburikidza nekubhadharwa kwepurayamisi pamwedzi. Kungofanana neMedarere Chikamu C, Chikamu D chinopiwa nemakambani ari oga ane kambani neMedare.

Kuti uwane chikamu cheChikamu D, unofanirwa kuva nezvikamu A uye B kana Chikamu C. Semuishuwarenzi yose, kune kusiyana kune mazwi ekuderedza.

Mamwe Mashoko Pamutara

Kuti uwane mamwe mashoko pamusoro pemishonga, iyo inoshanda sei, uye kuti unganyoresa sei, iva nechokwadi chekutarisa webhusaiti yeMedare.