Ko Veterans Vanoda Medicare?

Zvemukati

• Ini ndinofanira kunyoresa muMedare kana ndine VA kufukidzwa?
• VA hutano hwehutano hwekuvhara
• Medicare kufukidza
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu C
• Medicare Chikamu D
• Zvirongwa zveMedigap
• VA neMedicare vanoshanda sei pamwechete?
• Medicare inoshanda sei neTRICARE?
• Chii chinofukidza TRICARE yeHupenyu?
• Semuenzaniso
• Ndinonyora sei muMedare?
• Ndosarudza sei chirongwa chekuwedzera kufukidza?
• Ndino chengeta sei mari yangu iri pasi?
• Kutora

Nyika yezvakanaka zvevarombo inogona kuvhiringidza, uye zvinogona kuve zvakaoma kuziva kuti yakawanda sei kufukidza iwe unayo chaizvo. Kuwedzeredza veteran yako yekuchengetwa kwehutano nehurongwa hweMedicare inogona kunge iri zano rakanaka, kunyanya nekuti Veteran's Administration (VA) kufukidzwa kwehutano hwehutano kunogona kusiyanisa zvakanyanya kubva kumunhu kuenda kumunhu uye nekufamba kwenguva.

Pano, isu tichatarisa akasiyana akasiyana Medicare zvirongwa, TRICARE, uye VA Medical Kubatsirwa uye mashandiro avo vese vanoshanda pamwechete.

Ini ndinofanira kunyoresa muMedare kana ndine VA kufukidzwa?

Kuvharidzirwa kwehutano kwakapihwa neIV ndeyehurongwa hwakasiyana hwezvehutano pane Medicare. Kazhinji, aya masisitimu haafambidzane, saka zvinowanzove kune veteran kuti anzwisise kufukidzwa kupi kunopihwa nehurongwa hwese.

VA hutano hwehutano hwekuvhara

VA hutano hwehutano hunovhara masevhisi ezvehutano mamiriro ayo ese ari maviri esevhisi- uye asiri- basa-rinoenderana. Kuti ugamuchire zana muzana kufukidzwa, iwe unofanirwa kutsvaga kurapwa mune VA chipatara kana kiriniki.

Kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchipihwa VA nzvimbo yekurapa, ungatofanira kubhadhara copay. Mune zvimwe zviitiko, VA inogona kupa mvumo yekuchengetwa mune isiri-VA nzvimbo, asi izvi zvinofanirwa kubvumidzwa pamberi pekurapwa.

Medicare kufukidza

Saka, ko kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uripo Kana iwe uchipfuura makore makumi matanhatu nemashanu, ndipo panobatsira Medicare.

Nokusarudza muchikamu chimwe nechimwe cheMedare, iwe uri kuvaka iwe hwakakwana hutano hwekuvhara iwe pachako. Iwe zvakare unenge usingaite mukana wekubhadhara yakakwira kunze-kwehomwe mari.

Tevere, ngatitarisei kumativi akasiyana eMedicare.

Medicare Chikamu A

Medicare Chikamu A chinowanzove chemahara uye hachina mubhadharo. Ichi chikamu chinofukidza isiri-VA chipatara kuchengetwa kana iwe uine emergency kana iwe uchigara kure nenzvimbo yeVA.

Medicare Chikamu B

Medicare Chikamu B chinopa zvimwe zvingasarudzika zvekuvhara kune vasiri-VA vapi vehutano pamwe nezvimwe zvinhu izvo yako VA chirongwa chekuchengetedza hutano chisingakwanise kuvhara.

VA kufukidza kunogona kuchinja nekufamba kwenguva zvichienderana nemari kubva kuCongress. Kana mari ikatemwa yeVA yekuchengetedza hutano kufukidza, veterans vanoiswa pamberi zvichienderana nezvinodiwa. Izvi zvinoreva zvachose VA hutano hwekuchengetedzwa hakuvimbiswe, izvo zvakakosha kuti urangarire kana uchifunga imwe yehutano chirongwa sekuwedzera kwekuvhara.

Izvo zvakakosha kuti uzive kuti kana iwe ukasaina kusaina ku Medicare Chikamu B ipapo ipapo uye wozorasikirwa neako VA kufukidzwa, kunonoka kunyoresa mari kuchashanda.

Medicare Chikamu C

Medicare Chikamu C, inozivikanwawo seMedicare Advantage, inopa hutano hwekuchengeta iyo iyo VA uye yakakosha Medicare isingaite. Izvi zvinosanganisira mazino, kuona, kunzwa, mishonga yemishonga, nezvimwe.

Pane zvimwe zvikonzero zvekutarisa kana uchisarudza kana Medicare Advantage yakakunakira iwe. Pamusoro pemamwe mabhenefiti ekuwedzera, Medicare Advantage zvirongwa zvinopa huwandu hwehupfumi hwehutano hwako hwese, sarudzo dzakasiyana siyana dzaungasarudza kubva, uye kazhinji kwenguva-refu-yekuchengetedza-mari.

Nekudaro, kune zvimwe zvingangokanganisa kufunga nezvazvo, kusanganisira zvimwe zvirongwa zvehurongwa, kugara mukati memubatsiri network, uye kushomeka kwekuvhara paunenge uchifamba.

Funga nezve yako chaiyo yekuvhara zvido uye bhajeti kana uchisarudza kuti ndeupi rudzi rwehurongwa huchashanda zvakanyanya kwauri.

Medicare Chikamu D

Medicare Chikamu D chirongwa chemushonga. Kunyangwe ichiwanzove nemitengo yepamusoro yemishonga kupfuura iyo VA chirongwa, inogona kuvhara mishonga isina kuvharwa neA VA. Chikamu D zvirongwa zvinokubvumidza iwe kuti uende kune yako yaunofarira yekutengesa chemishonga uye zadza zvirevo kubva kune vasiri-VA vanachiremba.

Nekudaro, kana iwe ukasanyorerana nekukasira Chikamu cheD, pane imwezve yekuwedzera kana iwe wanyora kana waenda usina kupihwa mishonga yekunyorera mishonga kwemazuva makumi matatu nematanhatu akateedzana.

Kana iwe uchinetseka kuvhara mutengo wemishonga yako, unogona kukodzera chirongwa cheMedicare cheMamwe Ekubatsira rubatsiro. Iyo inozivikanwa zvakare seChikamu D Yakaderera-Inotambira Rutsigiro, chirongwa ichi chinopa imwe yekuwedzera rubatsiro rubatsiro kubva pane yako mari uye padanho rekuda kwemari.

Zvirongwa zveMedigap

Zvirongwa zvekuwedzera, senge Medigap, zvinobatsira kuvhara mamiriro ekukurumidzira kana paunenge uchifamba kunze kweU.S. Zvinobatsirawo kana usinga gare padyo neAA-anotenderwa mupi kana nzvimbo yekurapa, kana iwe uri mune yakaderera-kukoshesa VA inobatsira boka.

VA neMedicare vanoshanda sei pamwechete?

Paunenge uine VA hutano hwekuchengetwa, iyo VA inobhadhara kushanya kwechiremba, zvirevo kubva kune VA vanopa, uye kushanyira kune VA nzvimbo. Medicare inobhadhara chero masevhisi uye zvirevo kubva kune vasiri-VA vatapi vezvehutano nezvivakwa.

Panogona kunge paine nguva apo vese VA uye Medicare vachabhadhara. Izvi zvinogona kuitika kana iwe ukaenda kune isiri-VA chipatara kune VA-inogamuchirwa sevhisi kana kurapwa, asi uchida mamwe maitiro asina kuvharwa neiyo VA hutano hwekurapa chirongwa. Medicare ichatora mamwe emamwe emari dzekuwedzera.

Rangarira zvakadaro, iwe uchiri kuitisa yako Part B premium uye makumi maviri muzana copay kana mari yechengetedzo.

Paunenge usina chokwadi, iwe unogona kugara uchitaurirana neAA uye Medicare kune chero chaiyo mibvunzo yekuvhara.

• Kune VA mibvunzo yehutano hwekuvhara hutano, fona 844-698-2311
• Pamibvunzo yekuvhara Medicare, fonera 800-MEDICARE

Medicare inoshanda sei neTRICARE?

TRICARE mubatsiri wemauto einishuwarenzi ekurapa. Yakaputsika muzvirongwa zvakasiyana siyana, zvichibva pahunhu hwako hwemauto. Aya marongero anosanganisira:

• TRICARE Prime
• TRICARE Prime Remote
• TRICARE Prime Overseas
• TRICARE Prime Remote Kumhiri Kwenyika
• TRICARE Sarudza
• TRICARE Sarudza mhiri kwemakungwa
• TRICARE Yeupenyu
• TRICARE Reserve Sarudza
• TRICARE Retired Reserve
• TRICARE Mudiki Mukuru
• Hurongwa Hwehutano Hwemhuri yeUS

Mushure mekurega basa muchiuto uye wasvika makore makumi matanhatu nemashanu, unozokodzera TRICARE yeHupenyu kana iwe wakanyoreswa muMedare zvikamu A naB.

Chii chinofukidza TRICARE yeHupenyu?

Tricare yeHupenyu inofunga wechipiri kubhadhara. Izvi zvinoreva kuti chirongwa chako cheMedare chinobhadharwa kutanga kune chero ehutano maunogashira. Mushure mekunge Medicare yabhadhara, Tricare ichabhadhara iyo yasara, kana ikafukidza iwo masevhisi.

Semuenzaniso

Iwe unoenda kune kwako wepanyama wepagore uye iwe unonongedzerwa kuna cardiologist kekutanga. Panguva yekushanya kwemoyo, iwe unoudzwa iwe unofanirwa kuve neiyo echocardiogram uye bvunzo yekunetseka.

Chiremba wako wekutanga, chiremba wezvemwoyo, uye nzvimbo yaunotambira bvunzo idzi dzinobhadhara chirongwa chako cheMedare kutanga. Kamwe Medicare painobhadhara chese chinhu chakafukidzwa pasi pechirongwa chako, iyo yasara yebhiri inotumirwa otumira kuTRICARE.

Chirongwa chako cheTRICARE chichafukidza izvo zvasara mari iyo Medicare isina kubhadharira, pamwe nechero mari yekutsigira uye mari yaunobhadhara.

Iwe unogona kunyoresa muTricare yeHupenyu panguva yeTRICARE yakavhurika kunyoresa mwaka, iyo inotanga munaNovember. Iwe unogona zvakare kunyoresa kunze kwemwaka wakavhurika kana iwe uine chinokodzera chiitiko cheupenyu sekurega pamudyandigere pabasa, kuroora, kana kufa kwenhengo yemhuri. Iwe une mazuva makumi mapfumbamwe mushure mechiitiko cheupenyu chinokodzera kuti uchinje kufukidza kwako kana kunyoresa.

Ndinonyora sei muMedare?

Iwe unogona nyore nyore kunyoresa muMedare online. Pane zvinhu zvishoma chete zvekurangarira:

• Kana iwe wave kusvika makore makumi matanhatu nemashanu, iwe unogona kunyoresa panguva yekutanga kunyoresa nguva. Kunyoresa muMedare zvikamu A uye B zvinotanga mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu, mwedzi wekuzvarwa kwako, uye mwedzi mitatu mushure mekusvitsa makore makumi matanhatu nemashanu.
• Kana iwe usina kunyoreswa, uchida kuita shanduko kune iripo Medicare chikamu A kana B, kana vari pamusoro pemakore makumi matanhatu nemashanu asi vachiri kutarisa kunyoresa, yakavhurika kunyoresa nguva ndeye Ndira 1 - Kurume 31 gore rega.

Kuti utange nekunyoresa, shanyira peji rekunyora reMedicare uye uteedzere zvinokurudzirwa.

Ndosarudza sei chirongwa chekuwedzera kufukidza?

Kana iwe uri kutsvaga kuwedzera yako Medicare uye VA kufukidzwa nezvakawedzerwa zvirongwa, une zvishoma sarudzo:

• Medicare Kubatsira (Chikamu C)
• Medicare Chikamu D
• Medigap

Aya marongero anowanikwa kuburikidza neakazvimiririra makambani einishuwarenzi uye anogona kuvhara mari yekuwedzera-ye-muhomwe iyo isina kuvharwa neAV zvirongwa zvehutano kana Medicare. Izvi zvinoshandiswa zvinogona kusanganisira:

• coinsurance, copays, kana maprimiyamu kubva kuMedare Chikamu B
• mishonga yemishonga inodhura
• zvekurapa zvekushandisa
• maonero ekuona kubatsira kubhadhara magirazi uye vanobatika
• mazino, kusanganisira kudzivirira uye kurapwa kurapwa
• kunyorerwa zvinodhaka
• ekunzwa masevhisi kubatsira kubhadhara kune anonzwa rubatsiro uye bvunzo
• kusimbisa muviri kana zvirongwa zvehutano, kusanganisira nhengo dzekurovedza muviri

Paunofunga nezvekuwedzera kufukidza, tsvagisa kuti ndeapi masevhisi akatovharwa nezvirongwa zvako zviripo. Kana iwe uchifunga kuti iwe uchazoda kufukidzwa kwakawanda mune ramangwana kana kuti uchangobva kuongororwa uine chirwere chisingaperi, ungangoda kufunga nezve kutenga zvirongwa zvekuwedzera.

Heano mimwe mibvunzo mishoma yekuzvibvunza iwe paunofunga nezve chaiyo yekuvhara sarudzo iwe:

• Ndezvako here zvirevo zvaunoda uye navanachiremba zvinosanganisirwa mune yako yekuvhara?
• Pane mukana here wekuti iwe ungade zvekurapa zvekushandisa kana akati wandei ekurapa ekurapa munguva pfupi iri kutevera?
• Kana iwe usina chero mamiriro ezvinhu asingagumi, une huwandu hwakawandisa? Uchaishandisa here?

Ndino chengeta sei mari yangu iri pasi?

Kana mutengo iri nyaya, kune $ 0 premium Medicare Advantage zvirongwa. Ramba uchifunga, panogona kunge paine zvirevo mukuvhara uye izvo zvinopa vaunogona kuona.Iwe unogona zvakare kushandisa mamwe mapurogiramu ekubatsira seMedicaid uye Yakawedzera Rubatsiro, kana ukasangana nezvinodiwa zvekufanirwa.

Kutora

Kana iwe uri veteran uine VA hutano hwekuchengetwa uye uine makore anopfuura makumi matanhatu nemashanu, kunyoresa muchirongwa cheMedare kunogona kupa huwandu hwakazara hwekuvhara.

VA uye TRICARE zvirongwa zvinogona kubhadharwa nezvirongwa zveMedare. Zvimwe zvekuwedzera zvirongwa zvinowanika kuburikidza neMedare, uye iwe unogona kusarudza imwe inosangana neyako chaiyo mutengo uye mabhenefiti anodikanwa.

Pane zvakawanda zvingasarudzwa zvekubatsira iwe kugadzira chirongwa chakaringana chekuchengetedza hutano mushure memakore makumi matanhatu nemashanu.