Rini uye Sei Kukanzura Medicare Claim Iwe Wakanyorera

Zvemukati

• Ndingaite sei kuti ndibvise mari yeMedare yandakazvimisikidza?
• Ndinogona here kutarisa mamiriro ezve zvangu zvirevo?
• Ndino faira sei chikumbiro cheMedare?
• Ini ndaizoda kuisa riini chikumbiro ini?
• Ndinogona here kuisa chichemo kana mupi akasandiisira?
• Ini ndinofanira kufaira kune masevhisi andakagamuchira kunze kwenyika?
• Ko zvikamu zvese zveMedare zvinondibvumidza kufaira zvandinoda?
• Medicare Chikamu C
• Medicare Chikamu D
• Medigap
• Kutora

• Unogona kufonera Medicare kuti ubvise chikumbiro chawakatumira.
• Chiremba wako kana mupi anowanzo file zvirevo zvako.
• Iwe ungatofanira kuisa faira rako pachako kana chiremba wako asingagone kana asingakwanise.
• Paunoshandisa yekutanga Medicare, unogona kufaira zvikumbiro zveChikamu B masevhisi kana Chikamu Chikamu masevhisi anogamuchirwa mune imwe nyika.
• Iwe unogona kufaira zvikumbiro zveChikamu C, Chikamu D, uye Medigap nehurongwa hwako zvakananga.

Mhosva ndeyezvikwereti zvakatumirwa kuMedare kune masevhisi kana zvishandiso zvawakagamuchira. Kazhinji, chiremba wako kana mupi anokuisira zvirevo kwauri, asi panogona kunge paine nguva dzaungazoda kufaira iwe pachako. Kana iwe uchida kudzima chikumbiro chawakaita wega, unogona kufonera Medicare.

Maitiro ekudaidzira anosiyana zvichienderana nechikamu cheMedare chauri kushandisa. Zvikumbiro zveMedicare yepakutanga (zvikamu A neB) zvinogadziriswa zvakasiyana nezvakataurwa nezvimwe zvikamu zveMedare. Kunyangwe zvodii, iwe uchafanirwa kuzadza fomu rezvikumbiro uye wotumira yako bhiri.

Ndingaite sei kuti ndibvise mari yeMedare yandakazvimisikidza?

Iwe ungangoda kudzima chikumbiro cheMedare kana iwe uchitenda kuti wakanganisa. Nzira yekukurumidza kudzima chikumbiro ndeyekufonera Medicare pa800-MEDICARE (800-633-4227).

Udza mumiriri iwe unofanirwa kudzima chikumbiro chawakatumira iwe pachako. Iwe unogona kuendeswa kune nyanzvi kana kune yako dhipatimendi reMedare rinoti zviyero.

Iwe unozofanirwa kupa ruzivo nezve iwe uye chikumbiro, kusanganisira:

• zita renyu rizere
• nhamba yako yeMedicare ID
• zuva rebasa rako
• ruzivo nezvesevhisi yako
• iyo chikonzero urikudzima kuda kwako

Zvinogona kutora Medicare mazuva makumi matanhatu kana kudarika kugadzirisa chikumbiro. Izvi zvinoreva kuti kana iwe ukasheedza nguva pfupi mushure mekunge watumira, unogona kukwanisa kumisa chikumbiro chisati chagadziriswa zvachose.

Ndinogona here kutarisa mamiriro ezve zvangu zvirevo?

Unogona kutarisa mamiriro ezvaunotaura nekusainira account paMyMedicare. Iwe uchazoda ruzivo runotevera kuti unyore paMyMedicare:

• zita rako rekupedzisira
• zuva rako rekuzvarwa
• jenda rako
• ZIP code yako
• nhamba yako yeMedicare ID
• zuva iro chirongwa chako cheMedicare chakatanga kushanda

Iwe unogona kuwana yako Medicare ID nhamba pane yako Medicare kadhi. Paunenge uchinge uine account, iwe unogona kuona zvirevo zvako nekukurumidza pavanenge vachigadziriswa. Unogona kudaidza Medicare kana iwe ukaona chero zvikanganiso kana kukanganisa nezvako zvirevo.

Iwe unogona zvakare kumirira Medicare kutumira yako pfupiso chiziviso, chine zvese zvako Medicare zvirevo. Iwe unofanirwa kugamuchira chiziviso ichi mwedzi yese mitatu.

Ndino faira sei chikumbiro cheMedare?

Kuisa chikumbiro neMedare kunogona kuratidzika kunge kwakanyanya, asi unogona kuzvibata nematanho mashoma. Kuteedzera nhanho idzi kuitira kuchabatsira kuve nechokwadi chekuti chikumbiro chako chakagadziriswa neMedare.

Kuti upe chikumbiro, unofanirwa ku:

1. Fonera Medicare pa800-MEDICARE (800-633-4227) uye bvunza iwo muganho wenguva pakunyorera kuda kwebasa kana kupihwa. Medicare inokuzivisa iwe kana iwe uchine nguva yekuita chikumbiro uye ndeipi nguva yekupedzisira.
2. Zadza chikumbiro chemurwere chefomu yekubhadhara yekurapa. Iyo fomu inowanikwawo muchiSpanish.
3. Unganidza magwaro anotsigira chikumbiro chako, kusanganisira bhiri rawakagamuchira kubva kuna chiremba wako kana mupi webasa.
4. Ita shuwa kuti zvinyorwa zvako zvinotsigira zviri pachena. Semuenzaniso, kana vanachiremba vakawanda vakanyorwa pane yako bhiri, tenderera chiremba akurapa. Kana paine zvinhu pabhiri iyo Medicare yatobhadhara kare, vayambuke.
5. Kana iwe uine imwe chirongwa cheinishuwarenzi pamwe chete neMedare, sanganisira iro ruzivo rwechirongwa nemagwaro ako ekutsigira.
6. Nyora tsamba pfupi uchitsanangura kuti sei urikutumira chikumbiro.
7. Tumira fomu yako yekukumbira, magwaro anotsigira, uye tsamba kuhofisi yeMedhiya yako yenyika. Kero dzehofisi yega yega yenyika dzakanyorwa pane fomu yekukumbira kubhadhara.

Medicare inozo gadziridza yako yekuda. Iwe unofanirwa kubvumidza angangoita mazuva makumi matanhatu eichi. Ipapo, iwe uchagamuchira chiziviso netsamba yesarudzo yeMedare. Iwe unogona zvakare kutarisa yako MyMedicare account kuti uone kana kuda kwako kwakatenderwa.

Ini ndaizoda kuisa riini chikumbiro ini?

Kazhinji, chiremba wako kana mupi webasa anoendesa zvikumbiro kuMedicare kwauri. Kana chikumbiro chisina kuiswa, unogona kukumbira chiremba wako kana mupiki kuti aise faira racho.

Medicare zvirevo zvinofanirwa kuiswa mukati megore zvichitevera basa rawakagamuchira, zvakadaro. Nekudaro, kana kuri kuswedera padyo nenguva uye hapana chikumbiro chakaunzwa, ungangoda kufaira wega. Izvi zvinogona kuitika nekuti:

• chiremba wako kana mupi haatore chikamu muMedicare
• chiremba wako kana mupi anoramba kuisa chikumbiro
• chiremba wako kana mupi haakwanise kufaira kuchikumbiro

Semuenzaniso, kana iwe ukatarisirwa kubva kuhofisi yechiremba iyo yakavharwa mwedzi mishoma gare gare, ungangoda kuisa yako yekuzvida yekushanya.

Ndinogona here kuisa chichemo kana mupi akasandiisira?

Iwe unogona kufaira kunyunyuta neMedare kana chiremba wako achiramba kuisa chikumbiro pachinzvimbo chako. Iwe unogona kuita izvi mukuwedzera pakunyorera chikumbiro chako wega. Iwe unogona kufaira chichemo nekudana Medicare uye kutsanangura mamiriro acho.

Rangarira kuti kumhan'ara neMedicare hakuna kufanana nekumhan'ara. Paunopa chikumbiro, iwe uri kukumbira Medicare kuti itorezve kubhadhara chinhu kana sevhisi. Paunopa chichemo, urikukumbira Medicare kuti utarise kuna chiremba kana mumwe mupi.

Ini ndinofanira kufaira kune masevhisi andakagamuchira kunze kwenyika?

Iwe unogona zvakare kuda kuisa zvako zvirevo kana iwe ukatambira hutano pawakange uchifamba kunze kwenyika. Ramba uchifunga kuti Medicare inongovhara kuchengetwa kwaunogashira kune dzimwe nyika mune zvakatarwa mamiriro, kusanganisira:

• Iwe uri muchikepe uye uri mukati maawa matanhatu kubva kana kusvika muUnited States. Kana iwe uri anopfuura maawa matanhatu kubva kuchiteshi cheU.S., chako chekurapa chimbichimbi chinofanira kunge chakatanga pawakanga uchiri mukati meye 6-awa hwindo. Iwe zvakare unofanirwa kuve padyo nechiteshi chekune dzimwe nyika uye chipatara pane kune iyo muUnited States, uye chiremba waunoshandisa anofanira kuve nemvumo yakazara munyika yekune imwe nyika.
• Iwe uri muUnited States uye uine emergency emergency, asi chipatara chepedyo chiri mune imwe nyika.
• Iwe unogara muUnited States, asi chipatara chepedyo kumba kwako chinogona kurapa mamiriro ako chiri mune imwe nyika. Semuenzaniso, unogona kugara padhuze nemuganhu weCanada kana weMexico, uye chipatara chekune dzimwe nyika chiri padyo chingangove chiri padyo newe kupfuura chiri padyo nepamusha.
• Uri kufamba kuCanada kuenda kana kubva kuAlaska uye imwe nyika uye une emergency zvekurapa. Kuti mutemo uyu ushande, unofanirwa kunge uri munzira yakananga pakati peAlaska neimwe nyika, uye chipatara cheCanada chaunotorwa chinofanira kunge chiri padyo kupfuura chero chipatara cheU.S. Iwe zvakare unofanirwa kuve uchifamba usina izvo zvinonzi neMedare "kunonoka zvisina musoro."

Iwe unogona kuendesa chikumbiro kuna Medicare kana iwe ukatarisirwa mune imwe yeanotevera mamiriro.

Tevedza nhanho dzakafanana dzakataurwa pakutanga muchinyorwa, uye sanganisira humbowo hwekuti hauna kukwanisa kurapwa muchipatara cheU.S.kana kuti chipatara chekune dzimwe nyika chaive padyo. Pafomu yakajairwa, unocherekedza kuti mupi webasa rako haana kutora chikamu muMedicare, wobva wapa tsananguro yakadzama mutsamba yako.

Vanobatsirwa vanofamba kazhinji vangangoda kutarisa muchirongwa cheMedigap kana chirongwa cheMedicare Chekubatsira Chakavanzika Chekubhadharira-ye-Service (). Aya marongero anogona kubatsira kuvhara ako ehutano ekubhadhara iwe uchiri kunze kwenyika,

Ko zvikamu zvese zveMedare zvinondibvumidza kufaira zvandinoda?

Kazhinji, kana iwe uchizadza chikumbiro chako pachako, chichava chePart B masevhisi, kunze kwekunge iwe uchizadza kuchengetwa kwechipatara kune imwe nyika.

Yekutanga Medicare inoumbwa neZvikamu A uye B. Chikamu A inishuwarenzi yechipatara uye Chikamu B inishuwarenzi yekurapa. Chikamu B chinobhadharira masevhisi semidziyo yekurapa, kushanya kwavanachiremba, kugadzwa kwemishonga, kuchengetedzwa kwekudzivirira, uye mabasa e emergency.

Chikamu A hachirove kunze kwekunge wabvumirwa kuchipatara kana nzvimbo kana kuti uri kugamuchira kurapwa kweimba. Semuenzaniso, kana iwe ukashanyira ER, Chikamu B chaizovhara kushanya kwako. Kana iwe wakabvumirwa, zvakadaro, Chikamu A chaizovhara kugara kwako muchipatara.

Maitiro ekudaidzira akafanana kune ese maviri mativi epakutanga Medicare.

• Ita shuwa kuti iwe unosanganisira yako bhiri.
• Ipa chero humbowo kana rumwe ruzivo iwe rwaunogona.
• Zadza fomu uine zvakawanda ruzivo sezvaungagone.
• Tumira zvikumbiro zvako mukati megore rekugamuchira sevhisi.

Medicare Chikamu C

Iwe haufanire kudhiraiza zvirevo zvako zveMedicare Advantage, inonziwo Medicare Chikamu C. Zvirongwa zveMedicare Advantage hazvishandise zvirevo nekuti Medicare inobhadhara zvirongwa izvi mari yakatarwa mwedzi wega wega kuti ipe kufukidzwa. Iwe kazhinji haugone kuisa chikumbiro kuchirongwa cheMedicare Advantage.

Chega chinosiiwa kumutemo uyu chingave kana iwe ukabuda kunze kwenetiweki yebasa. Kana chirongwa chako cheMedicare Chakanakira chikubvumidza iwe kufaira zvikumbiro zvemasevhisi akagamuchirwa kubva kunetiweki, ruzivo rwacho runenge rwuri mune yako hurongwa ruzivo.

Mazhinji mapurani ane mafomu anowanikwa online kana netsamba. Kana usina chokwadi, unogona kufonera nhamba yefoni pakadhi rako reinishuwarenzi wobvunza. Iwe unozonyorera kuda kwacho wakananga kuchirongwa chako cheAdvantage.

Medicare Chikamu D

Medicare Chikamu D inorayirwa kunyorera zvinodhaka. Unogona kuishandisa pamwe chete neyekutanga Medicare kana chirongwa cheAdvantage.

Iwe haufanire kuisa faira rako pachako kana uchizadza zvirevo zvako uchishandisa mu-network chemishonga. Asi kana iwe ukashandisa kunze-kwe-network chemishonga, ungatofanira kuendesa chikumbiro. Kune zvimwe zvimwe zviitiko apo ungangoda kuisa yako wega Chikamu D kuda, kusanganisira:

• Iwe waive nekucherechedza kugara muchipatara uye hauna kubvumidzwa kuunza mishonga yako yezuva nezuva pamwe chete. Medicare Chikamu D chinogona kuvhara mishonga iyi panguva yekugara kwako kana ukaendesa chikumbiro.
• Iwe wakanganwa kadhi rako reMedicare Chikamu D kadhi uchitenga mushonga. Kana iwe wakakanganwa kadhi rako uye ukabhadhara mutengo wakazara pakaunda, unogona kuendesa chikumbiro kuchikamu chako cheDhipatimendi D chekuvhara.

Kungofanana nezvirongwa zveAdvantage, zvinonzi Medicare Chikamu D enda wakananga kuchikamu cheChikamu D. Iwe unogona kazhinji kuwana mafomu ekukumbira pane yako webhusaiti webhusaiti kana nepositi. Iwe unogona zvakare kufonera hurongwa hwako kuti ubvunze rumwe ruzivo nezve maitiro ekubvunzwa.

Medigap

Zvirongwa zveMedigap zvinokubatsira iwe kubhadhara mari yekunze-kwehomwe yeMedare, senge kubhadharwa kwemari yemadhora uye zvakabviswa. Muzviitiko zvakawanda, Medicare inotumira zvirevo zvakananga kuchirongwa chako cheMedigap chako.

Asi mamwe marongero eMedigap anoda kuti iwe utaure zvako wega. Zano rako rinokuzivisa iwe kana kwete kana iwe uchida kuendesa zvako wega zvirevo.

Kana iwe uchida kuendesa zvako zvirevo, iwe uchafanirwa kutumira yako Medicare pfupiso chiziviso yakanangana kune yako Medigap chirongwa pamwe neako kuda. Mushure mekunge hurongwa hwako hwagamuchira pfupiso chiziviso, inozobhadhara zvimwe kana zvese zvemitero iyo Medicare isina kuvhara.

Kana iwe usina chokwadi chekuendesa zvako zvirevo kana kana iwe uchida rumwe ruzivo nezve maitiro, fonera chirongwa chako cheMedigap.

Kutora

• Iwe haufanire kufaira zvako Medicare zvirevo kune mazhinji masevhisi aunogashira.
• Kana iwe uchida kuisa chikumbiro chako pachako, uchafanirwa kuendesa ruzivo rwakawanda nezve sevhisi sezvaunogona kuMedare, pamwe nefomu rekudai.
• Unogona kutarisa mamiriro ezvaunotaura chero nguva paMyMedicare. Kuti ubvise chikumbiro, unogona kufonera Medicare.
• Kune zvirevo zviri kunze kweMedicare yepakutanga - seMedigap, Medicare Chikamu D, kana Medicare Advantage - uchafanirwa kuzviendesa kuchirongwa chako zvakananga.