Ini ndinogona Kuchinja kubva kuMedare Kubatsira kuenda kuMedigap?

Zvemukati

• Ndeupi musiyano uripo pakati peMedicare Advantage neMedigap
• Chii chinonzi Medicare Kubatsira?
• Makomborero e Medicare Advantage Plan
• Kukanganisa kweiyo Medicare Kubatsira Chirongwa
• Chii chinonzi Medigap?
• Zvakanakira chirongwa cheMedigap
• Kukanganisa kwechirongwa cheMedigap
• Ndirini pandingachinje kubva kuMedare Kubatsira kuenda kuMedigap?
• Matipi ekusarudza chirongwa cheMedare
• Kutora

• Medicare Kubatsira uye Medigap zvese zvinotengeswa nemakambani einishuwarenzi akazvimirira.
• Ivo vanopa Medicare mabhenefiti mukuwedzera kune izvo zvekutanga Medicare inovhara.
• Iwe haugone kunyoreswa mune ese maviri Medicare Kubatsira uye Medigap, asi iwe unogona kuchinjika pakati pezvirongwa izvi panguva dzedzimwe nguva dzekunyora.

Kana iwe parizvino uine Medicare Advantage, unogona kuchinjira kuMedigap panguva yakatarwa yekunyoresa windows. Medicare Kubatsira uye Medigap mienzaniso yemhando dzakasiyana dzeinishuwarenzi dzaungave nadzo - kwete kwete panguva imwe chete.

Kana iwe uchida kuchinja kubva kuMedare Kubatsira kuenda kuMedigap, izvi ndizvo zvaunofanira kuziva kuti zviitike.

Ndeupi musiyano uripo pakati peMedicare Advantage neMedigap

Medicare Kubatsira uye Medigap ese ari maviri Medicare inishuwarenzi zvirongwa zvinopihwa nemakambani einishuwarenzi makambani; zvisinei, zvinopa mhando dzakasiyana dzekuvhara.

Medicare Advantage (Chikamu C) inotsiva yekutanga Medicare (zvikamu A uye B) kufukidzwa, nepo Medigap (Medicare yekuwedzera) ichipa mabhenefiti ayo anovharira kunze kwehomwe kwehutano hwekubhadhara mari senge macopay, coinsurance, uye zvakaderedzwa.

Iwe unogona chete kunyoreswa mune imwe Medicare Advantage kana Medigap - kwete ese ari maviri, saka kunzwisisa mutsauko muzvirongwa zviviri izvi zveMedare zvinonyanya kukosha pakutenga kufukidzwa kwako kweMedare.

Chii chinonzi Medicare Kubatsira?

Iyo inozivikanwawo seMedicare Chikamu C, zvirongwa zveMedare zvinobatsira zvinopa kufukidzwa pamwe chete pachinzvimbo chekutanga Medicare - Medicare Chikamu A (chipatara kana inpatient kugara kufukidzwa), uye Medicare Chikamu B (zvekurapa uye zvekupa kufukidza) kufukidza. Medicare Advantage zvirongwa zvinogona zvakare kusanganisira Medicare Chikamu D kunyoreswa kwemishonga kufukidza pamwe nekuwedzera kufukidzwa kwezvinhu zvakaita semazino, kuona, kunzwa, nezvimwe.

Vamwe vanhu vanowana mabundling services mumubhadharo mumwe wemwedzi zviri nyore kunzwisisa uye kazhinji zvakanyanya kudhura, uye vanhu vazhinji vanofarira mamwe masevhisi mamwe marongero eMedicare Advantage.

Zvichienderana nekambani uye kuronga kwaunosarudza, mazhinji zvirongwa zveMedicare Advantage zvinodzora varapi vehutano iwe vaunogona kuwana kune avo chete vari mukati metiweki yavo. Medicare Kubatsira kunogona kuve kwakaomarara kupfuura yekutanga Medicare kana munhu ane chirongwa cheMedicare Advantage achida kuona varapi.

Makomborero e Medicare Advantage Plan

• Medicare Advantage Plans inogona kuvhara mamwe masevhisi echinyakare Medicare haiite, sekuona, mazino, kana hutano zvirongwa.
• Aya marongero anogona kupa mapakeji akagadzirirwa kune vanhu vane mamwe marapirwo ehutano husingaperi avo vanoda mamwe masevhisi.
• Aya marongero anosanganisira kunyorerwa kwemishonga yekunyorera.
• Medicare Advantage Plans inogona kudhura zvakanyanya kana munhu achingoda chete kuona rondedzero yevatapi vekurapa vanobvumidzwa pane chirongwa cheMedicare Advantage.

Kukanganisa kweiyo Medicare Kubatsira Chirongwa

• Mamwe marongero anogona kudzikamisa vanachiremba vaungaona, izvo zvinogona kukonzera kubuda-kwehomwe mari kana iwe ukaona chiremba asiri mu-network.
• Vamwe vanhu vari kurwara zvakanyanya vanogona kuwana Medicare Advantage inodhura zvakanyanya nekuda kwekunze-kwehomwe kudhura uye kuda kuona vatapi vasina kukodzera pasi peimwe chirongwa.
• Zvimwe zvirongwa zvinogona kunge zvisingawanikwe zvichienderana nenzvimbo yemunhu nzvimbo.

Iwe unogona kujoina Medicare Advantage mushure memakore makumi matanhatu nemashanu uye mushure mekunge wanyoresa muMedicare Chikamu A uye B. Kana iwe uine yekupedzisira-danho renal chirwere (ESRD), iwe unogona kazhinji kungojoinha yakakosha Medicare Advantage chirongwa chinonzi Special Needs Chirongwa (SNP ).

Chii chinonzi Medigap?

Medicare yekuwedzera zvirongwa, inonziwo Medigap, ndeinishuwarenzi sarudzo iyo inobatsira kuvhara kunze-kwe-muhomwe hutano hutano mari senge coinsurance, copays, uye, deductibles.

Zvirongwa zveMedigap zvinotengeswa nemakambani einishuwarenzi akazvimirira, uye kunze kwekunge watenga chirongwa chako cheMedigap pamberi paNdira 1, 2006, hazvivhare mishonga yekunyorera. Kana iwe ukasarudza Medigap, iwe unofanirwa kunyoresa muchirongwa cheMedare Chikamu D kuti uve nemishonga yekunyorera mishonga.

A Medigap mutemo ndeyekuwedzera kune yako Medicare Chikamu A uye Chikamu B mabhenefiti. Iwe uchiri kubhadhara yako Medicare Chikamu B premium mukuwedzera kune yako yeMedigap premium.

Zvakanakira chirongwa cheMedigap

• Zvirongwa zveMedigap zvakaenzana, zvinoreva kuti kana ukafamba, unogona kuramba uchivhara. Iwe haufanire kutsvaga zano nyowani sezvaunowanzoita neMedicare Advantage.
• Zvirongwa izvi zvinogona kubatsira kuwedzera mari yehutano isingabhadharwe neMedare, izvo zvinoderedza mutoro wemari wehutano hwemunhu.
• Nepo zvirongwa zveMedigap zvinogona kazhinji kudhura zvakanyanya kumberi kwekupedzisira kupfuura zvirongwa zveMedare zvinobatsira, kana munhu akarwara zvakanyanya, vanogona kudzikisira mutengo.
• Zvirongwa zveMedigap zvinowanzo gamuchirwa kuzvivakwa zvese zvinotora Medicare, zvichivaita kuti vasanyanye kudzora pane zvirongwa zveMedicare Advantage.

Kukanganisa kwechirongwa cheMedigap

• Zvirongwa zveMedigap zvinoda kubhadhara imwe yekuwedzera inishuwarenzi, izvo zvinogona kuvhiringidza vamwe vanhu.
• Mari yepamwedzi yemubhadharo inowanzo kuve yakakwira kupfuura Medicare Advantage.
• Ronga F, imwe yeanozivikanwa marongero eMedigap, inovhara yakawanda kunze-kwehomwe mari. Iri kuenda muna 2020 kune vatsva vanogamuchira Medicare. Izvi zvinogona kukanganisa mukurumbira wezvirongwa zveMedigap.

Mitemo yeMedigap inomisikidzwa neMedare. Izvi zvinoreva kuti iwe unogona kusarudza kubva pamitemo yakati wandei iyo yakafanana kune iyo nyika. Nekudaro, makambani einishuwarenzi anogona kubhadharisa mitengo yakasiyana yeMedigap marongero. Ichi ndicho chikonzero inobhadhara kuenzanisa sarudzo pakutenga kweMedigap. Medicare yekuwedzera zvirongwa zvinoshandisa mavara semazita. Zvirongwa gumi zviripo parizvino zvinosanganisira: A, B, C, D, F, G, K, L, M, naN.

Kunze kwekunge iwe watenga yako Medigap chirongwa pamberi pa2020, iwe unenge uchida Medicare Chikamu D futi kana iwe uchida tsamba yekunyorera mishonga.

Ndirini pandingachinje kubva kuMedare Kubatsira kuenda kuMedigap?

Dzimwe nyika dzinoda makambani einishuwarenzi kuti atengese angangoita mhando imwechete yeMedigap mutemo kune avo vari pasi pemakore makumi matanhatu nemashanu vanokodzera Medicare. Dzimwe nyika dzinogona kunge dzisina zvirongwa zveMedigap zvinowanikwa kune avo vari pasi pemakore makumi matanhatu nemashanu vane Medicare.

Iwe unogona kutenga mutemo weMedigap panguva yemwedzi mitanhatu yekunyoresa yakavhurika inoitika mushure mekusvitsa makore makumi matanhatu nemashanu uye uchinyoresa muMedare Chikamu B. Ukasanyoresa panguva ino, makambani einishuwarenzi anogona kuwedzera maprimiyamu emwedzi nemwedzi.

Unogona kungochinja kubva kuMedare Kubatsira kuenda kuMedigap panguva dzakakosha dzegore. Zvakare, kuti unyore muMedigap, unofanirwa kunyoresa zvakare mune yekutanga Medicare.

Nguva dzaungachinje kubva paMedare Kubatsira kuenda kuMedigap dzinosanganisira:

• Medicare Kubatsira yakavhurika kunyoresa nguva (Ndira 1-Kurume 31). Ichi chiitiko chegore negore panguva iyo, kana iwe wakanyoreswa mu Medicare Advantage, unogona kuchinja zvirongwa zve Medicare Advantage kana kusiya chirongwa cheMedicare Advantage, kudzokera ku Medicare yepakutanga, uye kunyorera chirongwa cheMedigap.
• Vhura nguva yekunyoresa (Gumiguru 15-Zvita 7). Dzimwe nguva dzinodaidzwa kunzi kunyoresa kwegore (AEP), unogona kunyoresa chero chirongwa cheMedare, uye unogona kubva paMedicare Advantage kudzokera kune yekutanga Medicare uye kunyorera chirongwa cheMedigap panguva ino.
• Yakakosha kunyoresa nguva. Iwe unogona kukwanisa kusiya yako Advantage chirongwa kana iwe uchifamba uye yako Medicare Advantage chirongwa hachipi kupihwa mune yako nyowani zip kodhi.
• Medicare Kubatsira kutongwa nguva. Mwedzi gumi nembiri yekutanga mushure mekunyora muMedicare Advantage inozivikanwa seMedicare Advantage yekuyedza nguva, kana ino iri nguva yako yekutanga kuva nechirongwa cheAdvantage, unogona kudzokera kune yekutanga Medicare uye kunyorera Medigap.

Matipi ekusarudza chirongwa cheMedare

• Shandisa masaiti senge Medicare.gov kuenzanisa mitengo yemapurani.
• Fonera dhipatimendi rako reinishuwarenzi kuti uone kana chirongwa chauri kufunga chakave nezvichemo pamusoro pacho.
• Taura neshamwari dzako dzine Medicare Advantage kana Medigap uye tsvaga zvavanoda nezvavasingadi.
• Bata vako vanofarira vezvekurapa kuti uone kana vakatora chirongwa cheMedicare Chakanakira chauri kuongorora.
• Wongorora bhajeti yako kuti uone kuti ungatarisira zvakadii kubhadhara pamwedzi.

Kutora

• Medicare Kubatsira uye zvirongwa zveMedigap zvikamu zveMedare izvo zvinogona kuita kuti kufukidzwa kwehutano kudhure.
• Paunenge uchisarudza imwe kana imwe yacho zvinowanzoda kumwe kutsvagiriswa uye nguva, imwe neimwe ine mukana wekukuchengetera iwe mari mune zvehutano zvinodikanwa kana kudikanwa kukamuka.
• Kana usina chokwadi chekutangira, fonera 1-800-MEDICARE uye vamiriri veMedare vanogona kukubatsira iwe kuwana zviwanikwa zvaunoda.

Ruzivo ruri pane ino webhusaiti runogona kukubatsira mukuita sarudzo pachako nezve inishuwarenzi, asi haina kuitirwa kupa zano maererano nekutenga kana kushandiswa kweinishuwarenzi kana zvigadzirwa zveinishuwarenzi. Healthline Media haifambise bhizinesi reinishuwarenzi munzira ipi neipi uye haina kupihwa rezenisi sekambani yeinishuwarenzi kana mugadziri mune chero hutongi hweU.S. Healthline Media haina kukurudzira kana kutsigira chero mapato echitatu anogona kuita bhizinesi reinishuwarenzi.