Medicare Inovhara Ropa Kuedzwa?

Zvemukati

• Ndeapi mativi eMedicare anovhara kuongororwa kweropa?
• Kuongorora ropa kunodhura zvakadii?
• Medicare Chikamu A inodhura
• Medicare Chikamu B inodhura
• Medicare Kubatsira mari
• Medigap mutengo
• Ndekupi kwandingaende kunoyedzwa?
• Ndeapi marudzi eakajairwa kuongororwa kweropa akafukidzwa?
• Ndeapi mamwe marudzi eyakajairwa maabvunzo bvunzo akafukidzwa?
• Kutora

• Medicare inovhara mishonga inodiwa yekuongororwa ropa yakarairwa nachiremba zvichibva pane zveMedicare nhungamiro.
• Medicare Kubatsira (Chikamu C) zvirongwa zvinogona kufukidza mimwe bvunzo, zvinoenderana nechirongwa.
• Iko hakuna mari yakasarudzika yekuongororwa kweropa pasi peiyo yekutanga Medicare.
• Chirongwa chekuwedzera (Medigap) chingabatsira nemari dzekunze-muhomwe senge dzinobviswa.

Kuongororwa kweropa chinhu chakakosha chekuongorora chirwere vanachiremba vanoshandisa kuongorora zvinhu zvine njodzi uye kuongorora mamiriro ehutano. Kazhinji maitiro akareruka kuyera mashandiro anoita muviri wako uye nekuwana chero zviratidzo zvekutanga zvekunyevera.

Medicare inovhara akawanda marudzi ekubvumira wako mupi wezvehutano kuti atarise hutano hwako uye kunyangwe skrini yekudzivirira chirwere. Kuvhara kunogona kuvimba nekusangana neMedicare-yakatemwa maitiro ekuyedzwa.

Ngatitarisei kuti ndeapi mativi eMedhivha anovhara kuongororwa kweropa uye kumwe kuongorora kwekuongorora.

Ndeapi mativi eMedicare anovhara kuongororwa kweropa?

Medicare Chikamu A chinopa kufukidza kweanodikanwa ekurapa kuongororwa ropa. Bvunzo dzinogona kurairwa nachiremba wechipatara chevanorwara, vanamukoti vane hunyanzvi, vanochengeta varwere, hutano hwepamba, uye mamwe masevhisi ane hukama.

Medicare Chikamu B inovhara kunze kwekuongororwa kweropa kwakarairwa nachiremba aine chirwere chinodikanwa chekurapa chinoenderana neMedicare yekuvhara nhungamiro. Mienzaniso ingave iri kuongorora kuongororwa kweropa kuti uone kana kugadzirisa mamiriro.

Medicare Kubatsira, kana Chikamu C, zvirongwa zvakare zvinofukidza kuongororwa kweropa. Aya marongero anogona zvakare kufukidza mimwe bvunzo isina kuvharwa neyekutanga Medicare (zvikamu A neB). Imwe neimwe Medicare Advantage chirongwa chinopa akasiyana mabhenefiti, saka tarisa nechirongwa chako nezve yakatarwa kuongororwa kweropa. Zvakare funga kuenda kune-mu-network vanachiremba uye marabhabhu kuti uwane iwo akanyanya mabhenefiti.

Medicare Chikamu D inopa inonyorera mishonga yekuvhara uye haina kuvhara chero kuongororwa kweropa.

Kuongorora ropa kunodhura zvakadii?

Mariro yekuongororwa kweropa uye kumwe kuongorora kwebhu kana kuongororwa kwekuongorora kunogona kusiyana. Izvo zvinodhura zvinovakirwa pane yakanyanya bvunzo, nzvimbo yako, uye lab yakashandiswa. Bvunzo dzinogona kumhanya kubva pamadhora mashoma kusvika kuzviuru zvemadhora. Ndosaka zvakakosha kuti utarise kuti bvunzo yako yakavharwa usati waita.

Heano mamwe emari yekuedzwa kweropa iwe yaunotarisira nezvikamu zvakasiyana zveMedare.

Medicare Chikamu A inodhura

Mu-chipatara basa reropa rakarairwa nachiremba wako kazhinji rakafukidzwa zvizere pasi peMedare Chikamu A. Zvisinei, iwe uchiri kuda kusangana neyako inobviswa.

Muna 2020, Chikamu A chinobviswa i $ 1,408 kune vazhinji vanobatsirwa panguva yekubatsirwa. Nguva yekubatsirwa inotora kubva pazuva raunopinda muchipatara kuburikidza nemazuva makumi matanhatu anotevera. Izvo zvinokwanisika kuve uine akawanda mabhenefiti nguva mugore.

Medicare Chikamu B inodhura

Medicare Chikamu B zvakare inovhara mishonga inodiwa yekurapa kwekunze kweropa. Iwe unofanirwa kusangana neyako yegore inobviswa kune ino kufukidza zvakare. Muna 2020, iyo inobviswa i $ 198 kuvanhu vazhinji. Rangarira, iwe zvakare unofanirwa kubhadhara yako yemwedzi chikamu Chikamu B premium, inova $ 144.60 muna 2020 kune vazhinji vanobatsirwa.

Medicare Kubatsira mari

Zvinodhura nehurongwa hweMedicare hweMubatsiro zvinoenderana nechero chirongwa chekuvhara. Tarisa nehurongwa chaihwo munharaunda mako pamusoro pemakopi, mari dzinobviswa, uye chero zvabuda kunze kwehomwe.

Zvimwe zvirongwa zveMedare zvinobatsira zvinogona zvakare kupa hukuru kufukidza, saka haufanire kubhadhara chero chinhu muhomwe.

Medigap mutengo

Medigap (Medicare yekuwedzera inishuwarenzi) zvirongwa zvinogona kubatsira kubhadhara zvimwe zvekunze-kwehomwe mari senge coinsurance, zvakabviswa, kana makopi ekuvharwa kwekuvharidzirwa uye kumwe kuongorora kwekuongorora.

Imwe yeaya 11 aripo eMedigap marongero ane mabhenefiti akasiyana uye mutengo, saka tsvagurisa izvi nokungwarira kuti uwane kukosha kwakanyanya pane zvaunoda.

Kune mamwe mamiriro ezvinhu apo bvunzo dzeropa dzinogona kunge dzakakwira kupfuura zvakajairwa, kusanganisira kana:

• unoshanyira vanopa kana marabhabhu asingagamuchire kupihwa basa
• une chirongwa cheMedicare Advantage uye sarudza kunze-kwe-network chiremba kana nzvimbo yebazi
• chiremba wako anoraira kuongororwa kweropa kazhinji kazhinji kupfuura kwakavharwa kana kana bvunzo isina kuvharwa neMedicare (kumwe kuongorora kwekuyedza hakuna kuvharwa kana pasina zviratidzo kana zviratidzo zvehosha kana pasina nhoroondo)

Iyo webhusaiti yeMedicare ine yekushandisa yekushandisa iwe yaunogona kushandisa kuwana varapi kutora chikamu uye marabhabhu.

Ndekupi kwandingaende kunoyedzwa?

Unogona kuve nekuongororwa kweropa kunoitwa pamhando dzinoverengeka dzemarabhu. Chiremba wako achakuzivisa iwe kuti uwane kupi kuongororwa. Ingo ita shuwa kuti nzvimbo kana mupi anobvuma kupihwa basa.

Mhando dzemarabhoroti akafukidzwa neMedare anosanganisira:

• mahofisi emachiremba
• zvipatara zvipatara
• yakazvimirira Labs
• nzvimbo dzekuyamwisa
• mamwe marabhabhu emasangano

Kana iwe ukatambira kana ukakumbirwa kusaina Advance Mubatsiri Cherechedzo (ABN) kubva kubazi kana mupi webasa, unogona kuve nemhosva yemubhadharo webasa nekuti hauna kuvharwa. Bvunza mibvunzo nezve yako mutoro wemitengo usati wasaina.

Ndeapi marudzi eakajairwa kuongororwa kweropa akafukidzwa?

Chekutanga Medicare uye Medicare Kubatsira zvirongwa zvinofukidza akawanda marudzi ekuongorora uye kuongororwa kweropa kuongororwa. Panogona kuve nemipimo pane kangani Medicare inovhara mimwe miedzo.

Iwe unogona kukwidza sarudzo yekuvhara kana iwe kana chiremba wako uchinzwa bvunzo ichifanira kuvharwa. Kumwe kuongorora kweropa bvunzo, senge chehosha yemoyo, chakafukidzwa zvizere pasina mari yekusimbisa kana yakadhonzwa.

Heano mamwe emamamiriro ezvinhu anowanzo kuongororwa kuburikidza nekuongororwa kweropa uye kuti kangani kaunogona kuti zviitwe nekufukidzwa kweMedare:

• Chirwere cheshuga: kamwe chete pagore, kana kusvika kaviri pagore kana uri mukuru njodzi
• Chirwere chemwoyo: cholesterol, lipids, triglycerides kuongorora kamwe chete pamakore mashanu
• HIV: kamwe pagore zvichienderana nenjodzi
• Hepatitis (B naC): kamwe pagore zvichienderana nenjodzi
• Colorectal cancer: kamwe pagore
• Kenza yeprostate (PSA [prostate specific antigen] bvunzo) kamwe pagore
• Zvirwere zvepabonde: kamwe pagore

Kana chiremba wako achifunga kuti iwe unoda kuwedzerwa kuyedzwa kweimwe miedzo yekuongorora nekuda kwezviitiko zvako zvine njodzi, ungatofanira kubhadhara kuti uongororwe kakawanda. Kumbira chiremba wako uye lab kuti uwane rumwe ruzivo nezve yako chaiyo bvunzo.

Zvinogona kubatsira kuve nehurongwa hwekuwedzera hwekuyedza kazhinji. Iwe unogona kuenda kune iyo Medicare Medigap mutemo webhusaiti kuti uwane ruzivo pane zvese zvirongwa zve2020 uye izvo zvakafukidzwa. Iwe unogona zvakare kufonera iyo hurongwa zvakananga kune rumwe ruzivo.

Ndeapi mamwe marudzi eyakajairwa maabvunzo bvunzo akafukidzwa?

Medicare Chikamu B chinofukidza akawanda marudzi eanorapa chiremba-akayera bvunzo senge weti, kuongorora kwemasuru, uye bvunzo dzekuongorora. Iko hakuna kukopa kune aya bvunzo, asi ako anoderedzwa anongoshanda.

Mienzaniso yemiedzo yakavharwa inosanganisira:

* Medicare inovhara mammograms ekuongorora kazhinji kana chiremba akaraira. Iwe uri mutoro wemakumi maviri muzana yemari yekusimbiswa kwemutengo.

Zvimwe zvisiri zvebaboratory diagnostion screenings Medicare cover zvinosanganisira maX-ray, PET scan, MRI, EKG, uye CT scan. Iwe unofanirwa kubhadhara yako makumi maviri muzana coinurance pamwe neyako deductible uye chero ma copay. Rangarira kuenda kune vanopa vanogamuchira kupihwa basa kuti vadzivise mhosva Medicare haifukidze.

• Medicare inopa chishandiso chaungashandisa kutarisa kuti ndeapi mabvunzo akafukidzwa.
• Iwe unogona zvakare kuenda pano kuti utarise kuburikidza neye runyorwa rweyakavharwa bvunzo kubva kuMedare.
• Heino runyorwa rwemakodhi uye bvunzo Medicare inoita kwete chifukidzo. Usati wasaina ABN, bvunza nezve mutengo weiyo bvunzo uye utengere kutenderedza. Mitengo inosiyana nemupi uye nzvimbo.

Kutora

Medicare inovhara akawanda marudzi eakajairika eropa bvunzo anodikanwa kuti aongorore uye kugadzirisa mamiriro ehutano sekureba sezvavanenge vachidikanwa pakurapwa. Heano mashoma ekupedzisira matipi ekufunga nezve:

• Kumbira chiremba wako kuti uwane ruzivo pamusoro pemhando yako yekuongorora ropa uye kuti ungagadzirira sei (kana uchifanira kana usingafanire kudya zvisati zvaitika, nezvimwewo).
• Shanyira vanopa vanogamuchira kupihwa basa kuti vadzivise kubhadhara-kwe-muhomwe mari yemasevhisi akafukidzwa
• Kana iwe uine mamiriro anoda kuwanda kuongororwa, funga chirongwa chekuwedzera seMedigap kubatsira nemari yekunze-kwehomwe.
• Kana sevhisi isina kuvharwa, tarisa kutenderedza kuti uwane wakaderera-mutengo mupi.

Verenga chinyorwa ichi muchiSpanish