Do Medicare Advantage Plans Inovhara Kufamba Kwenyika Dzese?

Zvemukati

• Yekutanga Medicare kufukidza kunze kweUnited States
• Medicare Kubatsira kufukidza kunze kweUnited States
• Medigap kufukidza kunze kweUnited States
• Ndeapi marongero eMedicare anogona kupa kufukidzwa kwekushanya kwenyika dzese muna 2020?
• Imwe inishuwarenzi yekufamba kwenyika dzese
• Medicare inokufukidza here kana iwe ukaenda kuPuerto Rico?
• Kutora

Kana yave nguva yekunyora muMedare, pane zvinhu zvakawanda zvekufunga nezvazvo. Zvirongwa zvako zvekufamba zvenguva yemberi zvinofanirwa kuve chimwe chazvo. Kana iwe uri kufunga nezvekushanya kwenyika dzese mukati megore rinotevera, zvinogona kukanganisa sarudzo dzako dzeinishuwarenzi yehutano uye sarudzo dzeMedare.

Medicare pachayo hazviiti kufukidza kufamba kwenyika dzese. Zvisinei, mamwe Medicare Advantage (Chikamu C) inoronga Chivabvu kufukidza zvimwe zvekukurumidzira kana zvikaitika kunze kweUnited States. Muzviitiko zvakawanda hazvo, iwe uchazoda yekuwedzera inishuwarenzi yekufamba.

Kana iwe uchironga kufamba kunze kwenyika, izano rakanaka rekudzokorora iwo maratidziro eMedare yako yazvino kana ehupfumi inishuwarenzi yehutano kuronga kuti uve nechokwadi chekuti wakafukidzwa kana paitika emergency.

Kana iwe usina kuvharidzirwa kwekushanya kwenyika dzese, unogona kutsvaga dzimwe sarudzo kuti ubatsire kuzadza chero maburi mune yako yekuvhara. Tichaongorora zvaunogona kuita, kusanganisira zvirongwa zveMedare zvinowedzera (Medigap), inishuwarenzi yemufambi wenguva pfupi, kana kufukidzwa kwenguva refu kuburikidza neMedicare Advantage.

Yekutanga Medicare kufukidza kunze kweUnited States

Medicare ndeyekuchengetwa kwehutano kune vekuAmerican vane makore makumi matanhatu nemashanu zvichikwira. Chirongwa chehurumende chakakamurwa kuita zvikamu zvina: A, B, C, naD.

Iwe hausi wega unonyoreswa muzvirongwa izvi - unofanirwa kusaina panguva yekunyoresa nguva. Unogona kusarudza zvakanakisa zvirongwa zvehutano hwako zvaunoda.

Vazhinji vekuAmerican vanonyorera kuMedare zvikamu A uye B. Kuti ukwanise kuwana kumwe kufukidzwa kweMedare, iwe unofanirwa zvakare kunyoreswa muzvikamu A uye B.

Medicare Chikamu B ndeyechinyakare kurapwa kwekurapa iyo inovhara vekunze kurapwa. Medicare Chikamu A chinopa kufukidza muchipatara. Kana iwe uchida mishonga yemishonga kufukidza, saka unogona kufunga kusaina kune Medicare Chikamu D.

Medicare Kubatsira kufukidza kunze kweUnited States

Medicare Kubatsira (Chikamu C) ndiyo imwe nzira yekutora yako Medicare kufukidzwa. Zvichienderana nechirongwa chaunosarudza, chirongwa chako chinogona kusanganisira kuona, kunzwa, mazino, uye mishonga yemishonga yekuvhara.

Medicare Advantage zvirongwa zvinowanzo kukuganhurira iwe kuna vanachiremba uye zvivakwa mukati meHealth Maintenance Organisation (HMO) kana Preferred Provider Organisation (PPO) uye inogona kana isingafukidze kunze-kwe-network kutarisirwa.

Kuti utenge chirongwa cheMedicare Advantage, unofanirwa kunge watove kunyoreswa muMedare zvikamu A uye B. Coverage kuburikidza nechirongwa cheMedicare Advantage chinopihwa kuburikidza neyakavanzika chirongwa cheinishuwarenzi.

Medicare Advantage zvirongwa zvinogona kana kupa kumwe kufukidzwa, senge paunofamba.

Iko hakuna mirawo inoraira kana Medicare Advantage ichafukidza imwe muzana yezvekunze zvipatara zvikwereti.

Izvo zvakakosha kuti utarise neako inishuwarenzi anotakura usati waenda kuti uzive kuti yakawanda sei, kana iripo, yako yega chirongwa chinobata zvepasi rose zvehutano emergency.

Medigap kufukidza kunze kweUnited States

Medigap ndeyekuwedzera inishuwarenzi inopihwa kuburikidza nechirongwa cheMedare. Izvo zvakasiyana nezvirongwa zveMedicare Advantage mune izvo izvo hazviiti kufukidza zvinhu zvakaita sekuchengetwa kwenguva refu, kuona, mazino, zvinobatsira kunzwa, magirazi emaziso, kana mukoti wepachivande-webasa.

Medigap ndeimwe yakazvimiririra yeinishuwarenzi sarudzo mukati meMedare iyo yakagadzirirwa kubatsira kubhadhara mari senge dzinobviswa, macopay, uye mamwe marapirwo asina kuvharwa nezvimwe zvikamu zveMedare.

Zvirongwa zveMedigap zvinopa kufukidzwa kwekuchengetwa kwakanangana nekukurumidzira kwekurapa kunoitika iwe uri kunze kweUnited States. Rudzi rweinishuwarenzi runowanzo shandiswa kupa kufukidza panguva yekufamba kwenyika.

Medigap inogona zvakare kubatsira kudzikisa yakakwira yakaderedzwa uye macopay einishuwarenzi paunenge uchifamba. Muchokwadi, zvinoenderana nechirongwa chaunosarudza, Medigap inogona kuvhara kusvika makumi masere kubva muzana ezvekukurumidzira zvekurapa kwepasirese kana uchinge wasangana neyako deductible uye iwe uri mukati memuganhu wako wepamoyo.

Ndeapi marongero eMedicare anogona kupa kufukidzwa kwekushanya kwenyika dzese muna 2020?

Zvirongwa zveMedare zvinobatsira zvinogona kupa kufukidzwa kwepasi rose nekuti ivo vari kuburikidza nevapi veinishuwarenzi vega. Nekudaro, handizvo zvese zvirongwa zvinopa zvakafanana kufukidzwa.

Zvirongwa zveMedigap zvakare zvinopa kufukidzwa pasirese Unofanirwa kunge watove wakanyoreswa muMedare zvikamu A uye B kuti uve unokodzera Medigap. Sezvo Medigap inopihwa kuburikidza nemakambani einishuwarenzi akazvimirira, huwandu hwehuwandu hwekuchengetwa kwehutano hwepasi rose, kana paine, zvinoenderana nechirongwa chaunotenga.

Kana iwe ukaronga nezvekufamba kazhinji, iwe ungangoda kubhadhara zvakanyanya kumberi kune iyo Medicare Advantage kana Medigap chirongwa chekuvhara mari kure neyako nyika yekumba kana kunze kwenyika.

• Tanga mangwanani. Tanga kuongorora marongero ako eMedicare mwedzi mishoma pamberi unosvitsa makore makumi matanhatu nemashanu.
• Unganidza zvinyorwa zvinodiwa. Pashoma, iwe uchazoda rezinesi rako rekutyaira, kadhi redziviriro munharaunda, uye gwaro rekuzvarwa. Ungangoda kopi yeiyo W-2 fomu kana iwe uchiri kushanda.
• Nzwisisa zvaunoda zvehutano zvezvino. Ziva kuti kangani kaunoona chiremba gore rega, mangani mishonga yemishonga yaunotora, uye chero zvakakosha zvekurapa zvauinazvo.
• Ziva bhajeti yako. Funga kana iwe uchida kushandisa imwe mari kune iyo yekuwedzera mabhenefiti iyo iyo Medicare Advantage (Chikamu C) chirongwa chinopa.
• Funga nezvehurongwa hwako hwekufamba. Kana iwe uri kuronga nezvekufamba zvakanyanya, funga nezvekuwedzera kufukidzwa kweMedigap.

Imwe inishuwarenzi yekufamba kwenyika dzese

Kana iwe uri pabhajeti, imwe sarudzo ndeyekuwedzera inishuwarenzi yemufambi. Iyi haisi inishuwarenzi yekurapa, asi pachinzvimbo chirongwa chenguva pfupi icho chinofukidza emergency apo iwe uri kunze kwenyika. Iwe unogona zvakare kukwanisa kutenga-inishuwa-pfupi inishuwarenzi kuburikidza neyekufamba kuronga.

Iko kubata ndechekuti iwe unozofanirwa kutenga kufukidza pamberi penguva kune yakatarwa mafambiro. Iwe haugone kutenga inishuwarenzi yemufambi kana iwe watove wakasiya nyika.

Zvakare, kwete ese ekuwedzera marongero anovhara zvisati zvavapo mamiriro. Kana iwe uine mamiriro ehutano husingaperi, ita shuwa yekudzokorora izvo zvisati zvaitika usati watenga inishuwarenzi yekufamba.

Medicare inokufukidza here kana iwe ukaenda kuPuerto Rico?

Puerto Rico inharaunda yeU.S., saka chirongwa chako cheMedare chichafukidza mafambiro ako kuenda kuchitsuwa. Vagari vePuerto Rico vanokodzerawo Medicare.

Mitemo yakafanana inoshanda kune dzimwe nzvimbo dzeU.S., kusanganisira:

• American Samoa
• Guwamu
• Zvitsuwa zveNorth Mariana
• U.S.Virgin Islands

Kutora

Kana iwe ukafamba, Medicare Advantage (Chikamu C) zvirongwa zvinogona kuve nezvakanakira pamusoro peMedicare zvikamu A uye B kwauri. Nekudaro, sezvo aya ari ega einishuwarenzi zvirongwa, Medicare Advantage haingo vharidzira mari panguva yekufamba kwenyika

Izvo zvakakosha kuti uongorore mutemo wako usati waenda uye woongorora yekuwedzera kufukidza pamwe neMedigap kana inishuwarenzi yemufambi kana iwe uine hanya nezve ingangoita mutengo wekurapwa iwe uri kunze kwenyika.

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.