Drill Down: Ko Medicare Inovhara Mazino?

Zvemukati

• Kuchengeta mazino kunovharwa riini neMedicare yekutanga?
• Medicare Kubatsira (Chikamu C) uye kufukidza mazino
• Kuvhara kweMedigap kuchabatsira kubhadhara mabasa emazino here?
• Mari yepakati yekubvunzwa kwemazino inodhura zvakadii?
• Ndeapi maMedare ehurongwa angave akanakira iwe kana iwe uchiziva iwe kuti unoda mazino masevhisi?
• Kuenzanisa zvirongwa zveMedare zvekuvhara mazino
• Dzimwe sarudzo dzekuvhara mazino
• Sei zvichikosha kutsvaga kwakanaka kwemazino paunenge uchikura
• Chinokosha

Yekutanga Medicare zvikamu A (chipatara kuchengetwa) uye B (kurapwa) hazviwanzo kusanganisira kuvhara mazino. Izvi zvinoreva chepakutanga (kana "yechinyakare") Medicare haibhadhare mabasa enguva dzose senge bvunzo dzemazino, kuchenesa, kubvisa mazino, migero yemidzi, kudyara, korona, uye mabhiriji.

Medicare zvikamu A uye B zvakare hazvivhare zvigadzirwa zvemazino semaplate, meno ekugadzira, orthodontic michina, kana zvinochengeta.

Zvisinei, mamwe marongero eMedicare Advantage, anozivikanwawo seMedicare Chikamu C zvirongwa, zvinosanganisira kufukidza. Zano rega rega rine mari dzakasiyana uye ruzivo rwekuti mabhenefiti angashandiswa sei.

Verenga pamusoro kuti uwane zvimwe nezve ako mazino ekuvhara maitiro kuburikidza neMedare.

Kuchengeta mazino kunovharwa riini neMedicare yekutanga?

Nepo yekutanga Medicare isingawanzo kufukidza kutarisirwa kwemazino, kune zvimwe zvinosarudzika. Kana iwe uchida kurapwa kwemazino nekuda kwechirwere kana kukuvara kunoda kugara muchipatara, kurapwa kwako kwemazino kunogona kuvharwa.

Semuenzaniso, kana iwe ukawa ukatyoka shaya yako, Medicare yekuvakazve mapfupa mushaya yako.

Dzimwe nzira dzakaomarara dzemazino dzakafukidzwa zvakare kana dzikaitwa muchipatara, asi kunyangwe dzakaputirwa neChikamu A kana Chikamu B chinozotariswa neanopa sevhisi.

Medicare inogona zvakare kubhadhara iwe kuchengetwa kana iwe uchida mazino masevhisi nekuda kwekenza yemukanwa kana chimwe chirwere chakafukidzwa.

Uye zvakare, Medicare inogona kubhadhara kubvisa zino kana vanachiremba vako vachifunga kuti zvakakosha kubvisa zino usati wavhiyiwa moyo, kurapwa nemwaranzi, kana imwe nzira yakavharwa.

Medicare Kubatsira (Chikamu C) uye kufukidza mazino

Medicare Advantage zvirongwa zvinopihwa nemakambani einishuwarenzi akazvimiririra ayo akagamuchirwa neMedicare. Aya marongero ndeimwe nzira kune yekutanga Medicare. Ivo vanowanzo bhadharira masevhisi asina kuvharwa neyekutanga Medicare zvikamu A uye B.

Nemhando iyi yeurongwa, ungangoda kubhadhara mari yepamwedzi kana kubhadharwa kwemari yemari. Unofanira zvakare kutarisa kana chiremba wemazino wako ari muchirongwa chenetiweki kuitira kuti sevhisi ivharwe.

Pane nzira dzinoverengeka dzekuziva kana chirongwa chakatarwa cheMedare chinobatsira kutarisira mazino. Medicare ine Tsvaga Chishandiso cheMedare chinokuratidza zvese zvirongwa zviripo munharaunda mako uye nezvavanofukidza, kusanganisira kana vachifukidza mazino. Mazhinji Advantage mapurani anosanganisira mazino mabhenefiti.

Kuti uone kana yako yazvino Medicare Chikamu C chirongwa chinosanganisira kufukidzwa kwemazino, unogona kutaura nemumiriri kubva kune inishuwarenzi kana kuverenga zvakadzama zviri muEvidence of Coverage (EOC) gwaro rawakatambira iwe pawakanyora muchirongwa.

Kuvhara kweMedigap kuchabatsira kubhadhara mabasa emazino here?

Kazhinji, kufukidzwa kweMedigap kunobatsira iwe kubhadhara macopay uye zvinokamurwa zvine chekuita nemasevhisi akafukidzwa neyekutanga Medicare. Kazhinji yenguva, Medigap haipe kugoverwa kwemamwe masevhisi sekutarisira mazino.

Mari yepakati yekubvunzwa kwemazino inodhura zvakadii?

Zvichienderana nekwaunogara, kuchenesa mazino kwegore negore uye kuongororwa kunogona kuita pakati pe $ 75 kusvika $ 200. Iko mutengo unogona kuve wakakwira kana iwe uchida yakadzika kuchenesa kana X-rays.

Ndeapi maMedare ehurongwa angave akanakira iwe kana iwe uchiziva iwe kuti unoda mazino masevhisi?

Sezvo mazhinji mazino masevhisi uye zvekushandisa zvisina kuvharwa neMedicare Chikamu A uye Chikamu B, Kana iwe uchiziva iwe ungangoda kurapwa kwemazino mune rinotevera gore, chirongwa cheMedicare Advantage (Chikamu C) chingave sarudzo yakanaka.

Paunenge uchiita sarudzo iyi, ita shuwa yekutarisa zvaunoda munguva yemberi pamwe nenhoroondo yemeno yemhuri. Kana iwe uchifunga kuti pane mukana ungangoda kudyara kana mazino ekugezesa mune ramangwana, chinhu icho mukuita kwako kwesarudzo zvakare.

Kuenzanisa zvirongwa zveMedare zvekuvhara mazino

Dzimwe sarudzo dzekuvhara mazino

Iwe unogona zvakare kuda kufunga nezvekuvhara mazino kunze kweMedare. Unogona kuve nesarudzo, senge:

• Mira-wega inishuwarenzi yemeno. Aya marongero anoda kuti iwe ubhadhare yakasarudzika premium yekuvhara.
• Wawakaroora kana waunoshanda naye-inotsigirwa inishuwarenzi chirongwa. Kana zvichikwanisika kusaina kufukidza pasi pechirongwa chemazino chemumwe, icho chingave sarudzo isingadhuri.
• Mapoka ekuderedza mazino. Izvi hazvipe inishuwarenzi kufukidza, asi zvinobvumidza nhengo kuwana mazino masevhisi nemutengo wakaderera.
• Medicaid. Zvichienderana nedunhu raunogara uye nemamiriro ako emari, unogona kukodzera kurapwa mazino kuburikidza neMedicaid.
• PACE. Ichi chirongwa chinogona kukubatsira iwe kuwana kurongeka kwakaringana mukati medunhu remunharaunda, kusanganisira mazino masevhisi.

Sei zvichikosha kutsvaga kwakanaka kwemazino paunenge uchikura

Kuchengetwa kwakanaka kwemazino kwakakosha kuchengetedza hutano hwako hwese uye hutano. Hwehutsanana hwemazino hwakabatanidzwa nekusingaperi kuzvimba, chirwere cheshuga, mamiriro emoyo, uye mamwe matambudziko akakomba ehutano.

Uye zvidzidzo zvakaratidzawo kuti vanhu dzimwe nguva vanoregeredza kutarisirwa kwavo kwemazino sezvavanokura, kazhinji nekuti kurapwa mazino kunogona kudhura.

National Institute of Dental and Craniofacial Research inofungidzira kuti 23 muzana yevakuru havana kunge vaongororwa mazino mumakore mashanu apfuura. Iyo nhamba iri pamusoro-soro pakati pevanhu vemuAmerica neveSpanish uye pakati pevane mari shoma.

Imwe sarudzo inomiririra nyika inoitwa muna2017 yakaratidza kuti mutengo ndicho chikonzero chakajairika vanhu vasingatsvage rubatsiro rwehunyanzvi mukutarisira mazino avo. Asi kutarisirwa kwakanaka kwekudzivirira kunogona kukubatsira kuti udzivise matambudziko akakura emazino mune ramangwana.

Nechikonzero ichocho, iri zano rakanaka kufunga chirongwa chinodhura icho chichafukidza masevhisi emazino aunoda iwe paunenge uchikura.

• Nhanho 1: Sarudza kukodzera. Kana iwe uine mudiwa ari mukati memwedzi mitatu yekuve makumi matanhatu nemashanu, kana ane hurema kana yekupedzisira-danho renal chirwere, ivo vanogona kunge vanokodzera kufukidzwa kweMedare.
• Nhanho 2: Taura nezve zvavanoda. Hezvino zvimwe zvinhu zvekutarisa kana uchisarudza kana iwe uchida kusarudza yekutanga Medicare kana chirongwa cheMedicare Advantage:
  • Zvakakosha zvakadii kuchengeta avo varipo varapi?
  • Ndeapi mishonga yekurapa yavari kutora?
  • Yakawanda sei mazino uye chiratidzo chekutarisira ivo vangangoda?
  • Marii yavanogona kubhadhara pamubhadharo wemwedzi nemimwe mari?

• Nhanho 3: Nzwisisa mitengo inosanganisirwa nekunonoka kunyoresa. Kana iwe ukasarudza kusaina wako mudiwa weChikamu B kana Chikamu D kufukidzwa, ungatofanira kubhadhara zvikwereti kana mari yakakwira gare gare.
• Nhanho 4: Shanya ssa.gov kusaina. Kazhinji haudi zvinyorwa, uye maitiro ese anotora maminetsi gumi.

Chinokosha

Kuchengeta mazino ako uye matadza ane hutano paunenge uchikwegura zvakakosha kuchengetedza hutano hwako hwese hwepanyama.

Chekutanga Medicare zvikamu A uye B hazvibhadhare zvemazino masevhisi, kusanganisira bvunzo dzechinyakare, kubvisa mazino, migero yemidzi, uye mamwe mabasa ekutanga emazino. Izvo zvakare hazvivhare zvigadzirwa zvemazino semazino ekugezesa uye brace.

Kune zvimwe zvisaririra, hazvo: Kana iwe uchida kuvhiya kwakaoma kwemazino, kana kana iwe uchida masevhisi emazino nekuda kwechirwere chakafukidzwa kana kukuvara, Medicare inogona kubhadhara kurapwa kwako.

Mazhinji Medicare Advantage (Chikamu C) zvirongwa zvinopa kufukidza mazino, asi ungangoda kubhadhara mari yemwedzi wega kana kushandisa mu-network vanachiremba vemazino kuti utore mukana wekufukidzwa.

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.

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