Yako Yepakutanga Mushonga Wekuvhara Haisi Yakakwana
Pakutanga Medicare inotanga kumira kwehutano hwehutano hwehutano hwako asi iwe kana uine zvose zvaunazvo, uri mukutya kana zvikwereti zvako zvekurapa zvatanga kusvika. Pamwe pamwe neAradio Medicare unoda humwe huwandu hwekuchengetedza kuti hudzivirire kubva kune mari inogona kusvika nyore kusvika makumi ezviuru zvemadhora. Pane dzimwe nzira dzakasarudzwa asi Medigap Inishuwarenzi yeInishuwarenzi inogona kuva yakanakisisa yekutengesa.
Medicare Ane Mikana
Tisati tatarisa mhinduro, ngatitsanangurire dambudziko.
Upenyu hwako hwose hunoona humwe mari inonyangarika kubva pamari yako yekuvhara Medicare. Ichokwadi, iwe wakabhadhara 1,45 muzana yemari yako yekubhadhara Medicare yako gare gare muupenyu uye wako mushandi akakanda mune imwe 1.45%. Kana iwe uri wega, iwe wakabhadhara zvikamu zviviri. Pamusoro pebasa rako, iwe wakabhadhara madhora $ 61,000 kana iwe wakagamuchira mubairo pedyo nemushambadzi wenyika asi kana ukabvisa mari iyi inshuwarano yehutano yawakabhadhara yakanyanyisa.
Ngatitarisei kuMutambo Wekutanga-iyo Chikamu A uye Chikamu B. Kana iwe usingazivi zvakawanda nezvezvikamu zvina, verenga zvakawanda pano .
Ngatitii makanga mune chirwere chemwoyo. Sayenzi yezvokurapa yakauya nenzira yakareba uye kurwisa kwemwoyo hakusi kwakaipa sezvakamboita asi inodhura mari yakawanda. Zvechokwadi, iwe unogona kungova motokari yepamusoro yezvauri iwe nekambani yako yveshuwarensi ichabhadhara nokuda kwekutarisira kwaunoda.
Pawakaenda kuchipatara uye wakabvumirwa uye chikamu cheA A chikamu chakatora chikamu chemutemo.
Iwe unobhadhara $ 1,316 yekutanga uye Medicare inotora zvese kusvika kumakumi makumi matanhatu. Zvino iwe unotanga kuripa chikamu chebhadharo yemusi wega uye shure kwemazuva 90 iwe unobhadhara chikamu chikuru. Kana ukadzokera kuchipatara gare gare gore iroro, unogona kubhadhara imwe $ 1,316. Nguva imwe neimwe yaunobvumirwa, inogona kuva imwe $ 1,316.
Asi zvakadini nemuedzo wose uye nzira?
Ndiko apo Chikamu B chinopinda. Kune mwedzi wekutanga weChitatu B asi kune chero nzira, iwe unobhadhara $ 183 yekutanga sekudzvara kwako uye kutora makumi maviri kubva muzana yemutemo mushure mazvo. Kana mari yako yose yaive $ 30,000 isingaverengi mari yekugara muchipatara kana yako yakabviswa, chikamu chako cha $ 6,000.
Asi kana iwe uine dzimwe nzira, maedzo, mavhivhi, uye mamwe akawanda kutarisirwa, iwe uchatora 20 muzana yezvose zvayo mugore. Iko kunoshandura kune BHAYI yakawanda iyo vakawanda vatiza mari kazhinji havagoni kubhadhara. Zvechokwadi, Medicare yakatora 80 muzana asi iyo 20 muzana inorwadza zvakangoita zvakashata, zvakarurama?
Cherechedza: Iwe usati wapisa mamwe mazwi emaimeri emaInternmen, iyo $ 61,000 yawakabhadhara pamusoro pemakore ako ekushanda inoita kuti iwe ureji we $ 180,000 muzvikwereti kuitira kuti iwe uwane chinhu chakanaka.
Medigap Insurance
Izvo zvipingamupinyi muhupfumi zvinomiririra zvinotyisa zvemari mutoro kune vevakabhadhara. Ndicho chikonzero iwe unotora inshuwarisi yakawedzera kuti uzadzise zvipembenene muMutori Wako Wokutanga. Pane maitiro maviri: A Medicare Advantage plan-inozivikanwa seChikamu C, kana Medigap Insurance. Iwe unogona kudzidza pamusoro pezvirongwa zve Medicare Advantage pano. [[Cherechedzai: Bhengai kune chinyorwa chandangonyora pamusoro penyaya iyi]]
Medigap Inishuwarenzi, iyo inonziwo Medicare Supplement Insurance, ichazadza zvipembenene zvatakatarisa kumusoro asi kune premium yepamusoro pamusoro peMutauro Wako Wekutanga wawakagamuchira kare.
(L4)
Medigap inshuwarisi ine boka remashoko akafanana neAsia yaMedare-Plans A, B, C, D, F, G, K, L, M uye N. Izvozvo zvingaratidzika zvakaoma asi kune rumwe ruvara. Medicare inogadzirisa zvirongwa izvi. Paunenge uchitenga mabhizimusi ega ega ega ehurumende yerinishuwarenzi yeMedigap, Plan G ine mhindu imwechete pasinei nemupiki. Zvose zvaunofanirwa kuzvifananidza ndiwo mutengo uye unhu hwekambani. Hapana chikonzero chekudhara muzvikomborero nokuti iyo yakagadzirwa neMedare kunze kwekuti iwe ugare kuMassachusetts, Minnesota, kana Wisconsin apo zvirongwa zvakasiyana zvakasiyana. Dzidza zvakawanda pamusoro pezvimwe zvezvirongwa pano.
Mashoko Okukurumidza Pamusoro peMedigap Inishuwarenzi
Medigap haisi iyo inotsiviwa neMuviri weMedare. Iwe uchiri kuda Chikamu A uye B uye unofanira kuramba uchibhadhara miriyamisi yemwedzi yemwedzi inouya neaya.
Iwe uchabhadhara kambani yveshuwarisi yega yega premium yakasiyana yeMedigap Insurance yako.
Zvadaro, hapana urongwa hwemhuri. A medigap policy inosanganisira munhu mumwe chete. Iwe unoda mutemo wakasiyana wemumwe wako.
Kana iwe uchirwara pawakafukidzwa nemutemo weMedigap, mutemo wako unofanirwa kubhadharwa zvakare. Iwe haufaniri kunetseka nekambani yeInishuwarenzi inorambidza hurumende yako nekuda kwehutano hwako.
Medigap mitemo haifaniri kuvhara mishonga yemishonga. Iwe unoda Medicare Part D kugoverwa, iyo inouya neparamendi yakasiyana. Iwe unogona kuguma uchibhadhara miriyamu yakawanda yeAriginal Medicare, Medigap, uye chikamu cheDe D asi inokosha kana iwe uchida kuchengetedzwa kubva pane zvese zvekuvhara.
Pakupedzisira, inshuwarisi yeMedigap haifaniri kutarisira nguva refu, kutarisa uye kutarisirwa kwemazino, magirazi emaziso, manzwiro ekunzwa, kana mamwe marudzi ekuyamwisa.
Nzira Yokunyora Nayo
Sezvo inshuwarisi yeMedigap inotengeswa kuburikidza nevashushi vehupfumi, iwe uchaenda kunotenga asi Medicare inoita kuti zvive nyore ne "Medigap Policy Search" peji. Pano iwe unogona kugovera mamwe mazano ehutano pamusoro pako uye Medicare ichakupa zvakawanda zvekusarudza kuenzanisa.
Joseph Graves, mujeri weInishuwarenzi uye Muvambi we "I Hate Kuzvitenga Inishuwarenzi," inotaura kuti vanhu vanowanzonyora muChirongwa F nekuti inosanganisira zvikamu zvose zvekuvhara. Ndiyo inodhura zvikuru yezvirongwa asi ichaita kuti munhu wacho asina kubhadhara kana kuti kwete necho kunze kwehomwe mari. Munhu ane hutano hwakanaka anogara kuMiami, Florida anokwanisa kutarisira kubhadhara madhora 275 nokuda kweChirongwa F muna 2017 apo mumwe munhu muOrlando, Florida angabhadhara $ 195.
Kana iri mari yemwedzi wega wega iwe usingakwanisi kutenga kune zvirongwa zvisingabatsiri asi ramba uchiyeuka kuti vachasiya zvimwe zvipingamupinyi zvinogona kukubhadhara mari yakawanda kudarika zvawakachengetedza pamutengo wekutanga.
Kumbira rubatsiro
Kuziva mavhenekeri ekuvhara muAsia Medicare nekuziva kuti zvirongwa zvipi zvinopa kukosha kwezvido zvako zvekurapa zvinooma uye chimwe chinhu chausingakwanise kuwana chakaipa. Taura nemumiririri weInishuwarenzi uyo anoyevedza Medicare kuti abatsirwe.