Ko Medicare Inobatsira Kubhadhara Kwemaoko Ekubiridzira?

Zvemukati

• Chii chinonzi meno ekuba?
• Medicare inovhara riini mazino?
• Ndeapi marongero eMedicare angave akanakisa kana iwe uchiziva iwe kuti unoda meno ekuba?
• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu C (Medicare Kubatsira)
• Medicare Chikamu D
• Medigap
• Ndezvipi zviri kunze-kwehomwe zvinodhura zvemazino ekuba kana iwe uine Medicare?
• Medicare kunyoreswa nguva dzakatarwa
• Medicare nguva dzakatarwa
• Chinokosha

Sezvo isu tichikwegura, kuora kwemeno uye kurasikirwa kwemeno zvakajairika kupfuura iwe zvaunogona kufunga. Muna 2015, maAmerican akange arasikirwa nezino rimwe chete, uyezve kupfuura akarasikirwa nemazino avo ese.

Kurasikirwa kwemeno kunogona kutungamira kune mamwe matambudziko ehutano, akadai sekudya kwakashata, kurwadziwa, uye kudzikisira kuzviremekedza. Imwe mhinduro ndeyemazino ekugezera, ayo anogona kubatsira kuvandudza hutano hwako munzira dzakawanda, kusanganisira kunatsiridza kugona kwako kutsenga chikafu chako, kupa rutsigiro kushaya yako, kuchengetedza chimiro chechimiro chechiso chako, uye kukudzosera kunyemwerera kwako.

Original Medicare (Medicare Chikamu A) hachifukidze mazino masevhisi, ayo anosanganisira ekugadzirisa mazino semazino ekugezesa; zvisinei, dzimwe sarudzo dzehutano, senge Medicare Advantage (Medicare Chikamu C) uye yakazvimiririra mazino einishuwarenzi marongero anogona kubatsira kuvhara kana kudzikisa mari yako yekubuda muhomwe yemazino ekurapa.

Chii chinonzi meno ekuba?

Mazino ekugezesa zvigadzirwa zvekugadzira zvinotsiva mazino asipo. Mazino ekugezesa akaiswa mumuromo mako, uye anogona kutsiva mazino mashoma asipo kana mazino ako ese.

"Meno ekubaiwa" anongoreva mazino enhema anogona kuiswa mukanwa mako. Kazhinji, zvinobviswa. Mazino ekugezesa haana kufanana nezvinoiswa mumazino, mabhiriji, korona, kana zvinodzivirira mazino.

Medicare inovhara riini mazino?

Kana iwe uine hutano hutano hunoda kuvhiyiwa kubvisa mazino ako, Medicare inogona kupa kumwe kufukidzwa kwekubviswa kwezino. Asi yekutanga Medicare haifukidze mazino emhando ipi neipi, chero chikonzero.

Kana iwe uchibhadhara chirongwa cheMedare Chikamu C (Medicare Advantage), chirongwa chako chakanangana chinogona kupa kumwe kwekuvharirwa kwemazino, kusanganisira mazino ekuvezera. Kana iwe uine Medicare Advantage, iwe uchafanirwa kufonera yako inishuwarenzi mupi kuti asimbise kuti iwe une kufukidzwa kwemazino ekuzvidzivirira Bvunza kana paine zvimwe zvirevo zvaunoda kusangana nazvo kuti ukwanise kuwana iyo kufukidzwa.

Ndeapi marongero eMedicare angave akanakisa kana iwe uchiziva iwe kuti unoda meno ekuba?

Kana iwe uchiziva kuti iwe uchazoda mazino ekugadzira gore rino, ungangoda kutora tarisa pane yako yazvino hutano kufukidzwa kuti uone kana iwe uchigona kubatsirwa nekuchinjira kuchirongwa cheMedicare Advantage. Standalone mazino einishuwarenzi maratidziro anogona zvakare kubatsira kubhadharisa mutengo wemazino ekuba.

Medicare Chikamu A

Medicare Chikamu A (yekutanga Medicare) inopa inpatient chipatara kufukidza. Kana iwe uine hutano hutano hunoda chimbichimbi inpatient zino kuburitswa muchipatara, inogona kuvharwa pasi peMedare Chikamu A. Prosthetic mazino kana mazino anodyara anodikanwa semhedzisiro yekuvhiya uku haana kuiswa mune iyo kufukidza.

Medicare Chikamu B

Medicare Chikamu B ndeye kufukidza kusarudzwa kwechiremba, kuchengetedza kwekudzivirira, zvekurapa zvekushandisa, uye nzira dzekunze. Zvisinei, Medicare Chikamu B chinoita kwete kufukidza masevhisi emazino, akadai sekuongorora mazino, kuchenesa, maX-ray, kana zvishandiso zvemazino senge mazino ekugezesa.

Medicare Chikamu C (Medicare Kubatsira)

Medicare Kubatsira (Chikamu C) rudzi rwekuvharwa kweMedare kunopihwa kuburikidza nemakambani einishuwarenzi akazvimirira. Aya marongero anodikanwa kuvhara zvese izvo Medicare inovhara. Dzimwe nguva, vanovhara zvakanyanya. Zvichienderana nechirongwa chako, masevhisi emazino anogona kuvharwa uye anogona kubhadhara zvimwe kana zvese zvemubhadharo wemazino ako ekuba.

Medicare Chikamu D

Medicare Chikamu D inovhara mishonga yemishonga. Medicare Chikamu D inoda mubairo wakasiyana wemwedzi uye haisanganisirwe mune yekutanga Medicare. Chikamu D hachipe kuvharwa kwemazino, kunyange ichigona kuvhara mishonga yekurwadziwa iwe yaunorayirwa mushure mekuvhiyiwa mukanwa.

Medigap

Zvirongwa zveMedigap, zvinonziwo Medicare zvinowedzera zvirongwa, zvinogona kukubatsira iwe kuunza mutengo weMedicare coinsurance, copays, uye zvinodzikisira pasi. Zvirongwa zveMedigap zvinogona kuita kuti Medicare ive yakachipa, kunyangwe iwe uchifanira kubhadhara mari yepamwedzi yehurongwa hwekuwedzera.

Medigap haina kuwedzera chiyero chekuvhara kwako Medicare Kana iwe uine echinyakare Medicare, mutemo weMedigap haushandure izvo zvaunobhadhara kunze-kwehomwe kwemazino ekuba.

Medicare haiwanzo kuvharidzira chero mazino masevhisi. Kune chete mashoma mashoma anosarudzika.

• Medicare ichavhara bvunzo dzemumuromo dzinoitwa muchipatara pamberi pekutsiva kweitsvo uye kuvhiyiwa kwevhavha yemoyo.
• Medicare inovhara kubviswa kwemeno uye masevhisi emazino kana vakaonekwa zvakakodzera kurapa imwe, isiri yemazino mamiriro.
• Medicare inovhara mazino masevhisi anodikanwa semhedzisiro yekurapa kenza.
• Medicare ichafukidza kuvhiyiwa kwejaya nekugadziriswa semhedzisiro yenjodzi inotyisa.

Ndezvipi zviri kunze-kwehomwe zvinodhura zvemazino ekuba kana iwe uine Medicare?

Kana iwe uine Medicare yekutanga, haizovhara chero yemutengo wemazino ekuba. Iwe unozofanirwa kubhadhara mutengo wese wemazino ekunze kubva muhomwe.

Kana iwe uine chirongwa cheMedicare Advantage icho chinosanganisira kufukidzwa kwemazino, iro zano rinogona kubhadhara chikamu chemitengo yemazino ekuba. Kana iwe uchiziva iwe kuti unoda mazino ekurapa, wongorora Advantage mapurani ayo anosanganisira mazino kuti uone kana iko kuvharwa kwemazino kunosanganisira mazino. Unogona kutaurirana nemupi weinishuwarenzi kune chero chirongwa cheMedicare Advantage kuratidza izvo zvakavharwa nehurongwa chaihwo.

Mazino ekugezera anogona kutenga chero kubva pamadhora mazana matanhatu kusvika pamadhora zviuru zvisere zvichienderana nemhando yemazino aunosarudza.

Iwe zvakare unozofanirwa kubhadhara iyo denture-yakakodzera musangano pamwe nechero ipi yekutevera-kumusoro, bvunzo dzekuongorora, kana kumwe kugadzwa kwauinako nachiremba wako wemazino. Kunze kwekunge uine yakazvimirira yemazino inishuwarenzi kuwedzera kune Medicare kana uine Medicare Advantage chirongwa icho chinosanganisira kufukidza mazino, zvese izvi zviri kunze-kwehomwe, futi.

Kana iwe uri nhengo yemubatanidzwa, sangano rehunyanzvi, rekare veteran, kana sangano revakuru vanhu, iwe unogona kuve unokodzera kuwana zvidzikiso nachiremba wako wemazino. Bata chiremba wemazino wako kuti ubvunze nezve chero nhengo kana kirabhu dhizaini zvirongwa mavanogona kutora chikamu.

Kana iwe uchiyera mutengo wekuchengetwa kwako kwemazino uye kuigovanisa ne12, iwe une fungidziro yakaoma yezvinotarisirwa nemazino ako mwedzi wega wega. Kana iwe uchikwanisa kuwana kufukidzwa kwemazino uko kunodhura zvakaderera pane iyo huwandu, unogona kuchengetedza mari pamazino ekugezesa pamwe nekugadzwa kwemazino gore rese.

Medicare kunyoreswa nguva dzakatarwa

Heano akakosha mazuva ekupedzisira ekurangarira eMedare Advantage uye mamwe maMedare zvikamu:

Medicare nguva dzakatarwa

Chinokosha

Original Medicare haizobhadhare mutengo wemazino ekuba. Kana iwe uchiziva kuti iwe unoda matsva emagetsi mugore rinouya, sarudzo yako yepamusoro inogona kunge ichichinjira kuchirongwa cheMedicare Advantage icho chinopa kufukidzwa kwemazino panguva inotevera yekunyoresa kweMedare.

Imwe sarudzo yekufunga ndeyekutenga yakazvimiririra mazino inishuwarenzi.

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.