Iyo Medicare Kubatsira Chirongwa Inotsiva Yekutanga Medicare?

Zvemukati

• Yekutanga Medicare uye Medicare Kubatsira
• Yekutanga Medicare
• Medicare Kubatsira
• Mimwe misiyano pakati pekutanga Medicare uye Medicare Kubatsira
• General kufukidza
• Kuvhara zvinodhaka
• Kuwedzera kufukidza
• Kusarudzwa kwechiremba
• Zvimwe zvinobatsira
• Pre-kubvumidzwa kwemasevhisi kana zvekushandisa
• Iwe wakafukidzwa kana uchifamba kunze kweU.S.
• Bhenefiti kuenzanisa tafura
• Mutengo wekusiyana pakati pekutanga Medicare uye Medicare Kubatsira
• Kunze-kwe-muhomwe mari
• Mugumo wegore
• Zviripo
• Tora woenda nazvo

Medicare Advantage, inozivikanwawo seMedicare Chikamu C, ndiyo imwe nzira, kwete kutsiva, yekutanga Medicare.

Chirongwa cheMedicare Chekubatsira chirongwa che "zvese-mu-chimwe" chinotakura Medicare Chikamu A, Chikamu B, uye, kazhinji, Chikamu D. Zvirongwa zvakawanda zveMedare zvinopa zvakare mabhenefiti akaita mazino, kunzwa, uye chiono chisina kuvharwa neyekutanga. Medicare.

Medicare Advantage zvirongwa zvinopihwa nemakambani akazvimiririra ayo akave akatenderwa neMedare. Ivo vanofanirwa kutevedzera mitemo yakagadzwa neMedicare.

Kana iwe ukafunga kujoina chirongwa cheMedicare Advantage, unenge uine Medicare asi mazhinji ako Medicare Chikamu A (inishuwarenzi yechipatara) uye Medicare Chikamu B (inishuwarenzi yekurapa) ichauya ichibva kuchirongwa cheMedicare Advantage, kwete yekutanga Medicare.

Yekutanga Medicare uye Medicare Kubatsira

Yekutanga Medicare uye Medicare Kubatsira ndiyo mbiri nzira huru dzekuti uwane Medicare.

Yekutanga Medicare

Original Medicare inosanganisira:

• Chikamu A: inpatient chipatara kugara, kumwe kurapwa kumba, kuchengetwa munzvimbo ine hunyanzvi nzvimbo yevanamukoti, kutarisira varwere
• Chikamu B: kurapwa kwevarwere kunze, amburenzi mabasa, zvekurapa, mamwe masevhisi echiremba, mabasa ekudzivirira

Medicare Kubatsira

Kurapa Kubatsira zvirongwa zvinofukidza zvese zvinosanganisirwa muMedare Chikamu A uye Chikamu B, uyezve:

• Chikamu D: zvinyorwa (zvirongwa zvakawanda)
• kuwedzerwa kufukidzwa (mamwe marongero) anosanganisira kuona, mazino, uye kunzwa

Mimwe misiyano pakati pekutanga Medicare uye Medicare Kubatsira

General kufukidza

Nemhedzisiro Medicare, mazhinji ekurapwa anodikanwa masevhisi uye zvekushandisa mumahofisi echiremba, zvipatara, uye mamwe marongero ehutano anovharwa.

Iine Medicare Kubatsira, ese emishonga anodikanwa masevhisi ayo akafukidzwa kuburikidza neyekutanga Medicare inofanirwa kuvharwa.

Kuvhara zvinodhaka

Neyekutanga Medicare iwe unogona kujoina yakasarudzika Chikamu D chirongwa, icho chinosanganisira kufukidzwa kwemishonga.

NeMedare Kubatsira, zvirongwa zvakawanda zvinouya neChikamu D zvatove zvabatanidzwa.

Kuwedzera kufukidza

Neyekutanga Medicare, unogona kutenga yekuwedzera kufukidza, senge mutemo weMedigap, kuti uwane yakawedzerwa kufukidzwa kune ako chaiwo marapirwo ekurapa.

Nezvirongwa zveMedare zvinobatsira, haugone kutenga kana kushandisa akapatsanurwa ekuwedzera ekuvhara. Izvi zvinoreva kuti iwe uchazoda kuratidza kuti chirongwa chaunosarudza chichafukidza zvaunoda sezvo usingave nesarudzo yekuwedzera zvinowedzera kuti uwedzere kufukidzwa kwako.

Kusarudzwa kwechiremba

Neyekutanga Medicare, unogona kushandisa chero chiremba kana chipatara muUS icho chinotora Medicare. Muzviitiko zvakawanda, haudi kuendeswa kuti uone nyanzvi.

Ne Medicare Advantage, iwe unowanzo fanirwa kushandisa vanachiremba muurongwa hwe network uye ungangoda kutumirwa kuti uone nyanzvi.

Zvimwe zvinobatsira

Original Medicare haipe mamwe mabhenefiti, akadai sekuona, mazino, uye kunzwa. Pane kudaro, iwe unozofanirwa kuwedzera pane yekuwedzera kuti ugamuchire mabhenefiti aya.

Zvimwe zvirongwa zveMedare zvinobatsira zvinopa mamwe mabhenefiti.

Pre-kubvumidzwa kwemasevhisi kana zvekushandisa

Neyekutanga Medicare, iwe kazhinji haufanire kuwana mvumo pamberi penguva yekuvhara sevhisi kana kupihwa.

Ne Medicare Advantage, kuitira kuti uve nechokwadi chekuti sevhisi kana kupihwa kwakavharwa nechirongwa, ungangodikanwa kuti utange wabvumidzwa mune dzimwe nguva.

Iwe wakafukidzwa kana uchifamba kunze kweU.S.

Original Medicare kazhinji haifukidze kuchengetedzwa kunze kweU.S., asi iwe unogona kukwanisa kutenga mutemo weMedigap wekuvhara kunze kweU.S.

Medicare Advantage kazhinji haifukidze kuchengetedzwa kunze kweU.S.kana kusiri kwekukurumidzira kuchengetedzwa kunze kwenetiweki yechirongwa.

Bhenefiti kuenzanisa tafura

Mutengo wekusiyana pakati pekutanga Medicare uye Medicare Kubatsira

Kunze-kwe-muhomwe mari

Neye Medicare yepakutanga, mushure mekunge wasangana neyako inobvisirwa, iwe unowanzo bhadhara makumi maviri muzana eiyo Medicare-inogamuchirwa huwandu hweChikamu B-chakafukidzwa masevhisi.

Neye Medicare Advantage zvirongwa iwe unogona kunge uine yakaderera kunze-kwe-muhomwe mari pane yekutanga Medicare yemamwe masevhisi.

Mugumo wegore

Neyekutanga Medicare, hapana muganho wegore pane wekunze-kwehomwe mari.

Nezvirongwa zveMedicare Advantage pane muganho wegore wega wekunze-kwe-muhomwe mari yemasevhisi akafukidzwa neMedare Chikamu A uye Chikamu B. Ukangosvika muganho wezano rako, unenge usina mari yekunze-yehomwe yemasevhisi akafukidzwa neChikamu A uye Chikamu B chegore rose.

Zviripo

Neyekutanga Medicare, iwe unobhadhara mari yepamwedzi yeChikamu B. Kana iwe ukatenga Chikamu D, iyo premium ichabhadharwa zvakasiyana.

Uine Medicare Kubatsira, iwe unogona kubhadhara mubhadharo weChikamu B mukuwedzera kune premium yeiyo chirongwa pachayo.

Mazhinji zvirongwa zveMedare zvinobatsira zvinosanganisira kunyorera mishonga yekunwa, vamwe vanopa $ 0 premium, uye vamwe vanogona kubatsira kubhadhara zvese kana chikamu chemaprimamu ako ePart B.

Tora woenda nazvo

Medicare Advantage haina kutsiva yekutanga Medicare. Pane kudaro, Medicare Advantage ndiyo imwe nzira kune Yekutanga Medicare. Idzi sarudzo mbiri dzine misiyano inogona kuita kuti imwe ive sarudzo iri nani kwauri.

Kuti ubatsire nesarudzo yako, unogona kuwana rumwe ruzivo kubva ku:

• Medicare.gov
• 1-800 Medicare (1-800-633-4227)
• Dunhu rako reHurumende Hutano Inishuwarenzi Rubatsiro Zvirongwa (SHIPI)

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.