Medicare Inovhara Vanoshanyira Chiremba?

Zvemukati

• Medicare inovhara rini kushanya kwachiremba?
• Ndezvipi zvikamu zveMedare zvinofukidza kushanya kwachiremba?
• Rini Medicare isingavhare kushanya kwekurapa?
• Kutora

Medicare Chikamu B chinofukidza huwandu hwakasiyana hwekushanya kwachiremba, kusanganisira nguva dzekurapwa dzinodiwa uye kuchengetedzwa kwekudzivirira. Zvisinei, izvo zvisina kuvharwa zvinogona kukushamisa iwe, uye izvo kushamisika zvinogona kuuya nebhiri rakakura.

Hezvino izvo zvaunoda kuti uzive nezve kufukidza uye mutengo - usati waverenga yako inotevera yekushanya kwachiremba.

Medicare inovhara rini kushanya kwachiremba?

Medicare Chikamu B inovhara makumi masere kubva muzana emitengo inobvumidzwa neMedhiya yekushanya kwachiremba kuchinodiwa.

Izvi zvinosanganisira zvipatara zvekunze zvaunowana muhofisi yechiremba wako kana kukiriniki. Inosanganisirawo mamwe mabasa ekurapwa muchipatara. Kuti uwane kufukidzwa, chiremba wako kana mupi wezvekurapa anofanira kuve Medicare-inogamuchirwa uye agamuchire kupihwa.

Medicare Chikamu B inovharawo makumi masere muzana emari inobvumidzwa neMedare-yemabasa ekudzivirira aunowana kubva kuna chiremba wako kana mumwe mupi wezvekurapa. Izvi zvinosanganisira kugadzwa kwehutano, sekutarisa kwegore kana kwemwedzi mitanhatu.

Yako yegore inodonhedzwa inoda kusangana pamberi peMedare inovhara yakazara makumi masere muzana muzana ekurapwa kunodiwa kwechiremba. Muna 2020, iyo inobvisirwa Chikamu B ndeye $ 198. Izvi zvinomiririra kuwedzera kwemadhora gumi nematatu kubva pagore rinobvisirwa madhora zana nemakumi masere nemashanu muna2019.

Mabasa ekudzivirira achabhadharwa zvizere neMedare, kunyangwe kana yako yaunobvisa isati yasangana.

Medicare ichafukidza kushanya kwachiremba kana chiremba wako ari chiremba (MD) kana chiremba we osteopathic mushonga (DO). Muzviitiko zvakawanda, vanozovharawo zvekurapa kana zvekuchengetedza zvinopihwa na:

• vanachiremba vezvepfungwa
• vanachiremba vezvemagariro
• varapi vemabasa
• mutauro mutauro pathologists
• vanamukoti varapi
• vanamukoti vanachiremba
• vanobatsira chiremba
• varapi vemuviri

Ndezvipi zvikamu zveMedare zvinofukidza kushanya kwachiremba?

Medicare Chikamu B inovhara kushanya kwachiremba. Saizvozvowo zvirongwa zveMedicare Advantage, inozivikanwawo seMedare Chikamu C.

Medigap yekuwedzera inishuwarenzi inovhara zvimwe, asi kwete zvese, kushanya kwachiremba kusingafukidzwe neChikamu B kana Chikamu C. Semuenzaniso, Medigap ichafukidza mimwe mari inosanganisirwa nechiropractor kana chiremba wezvepanyama, asi haizovhare acupuncture kana mazino kugadzwa.

Rini Medicare isingavhare kushanya kwekurapa?

Medicare haifukidze mamwe marapirwo aungafungidzire ekudzivirira kana ekurapwa. Nekudaro, kune dzimwe nguva kusarudzika kumutemo uyu.

Kune mibvunzo nezve yako Medicare kufukidza, bata Medicare mutengi webasa mutsetse pa800-633-4227, kana kushanyira iyo State hutano inishuwarenzi rubatsiro chirongwa (SHIP) webhusaiti kana kufona kwavari pa800-677-1116.

Kana chiremba wako achirega Medicare ichiziva kuti kurapwa kunodiwa pakurapwa, inogona kuvharwa zvishoma kana zvizere. Mune zvimwe zviitiko, unogona kutora mari yekuwedzera, yekubuda muhomwe. Gara uchitarisa usati wafunga kuti Medicare icha kana kana kubhadhara.

Mamwe mamiriro ezvinhu pasi pekuti Medicare isingabhadhare musangano wezvekurapa anosanganisira anotevera:

• Medicare haifukidze kugadzwa nemurapi wezvechiremba pamabasa enguva dzose akadai sechibage kana kusanzwisisika kubvisa kana kucheka nzwara.
• Medicare dzimwe nguva inovhara masevhisi anopiwa nachiremba wemaziso. Kana iwe uine chirwere cheshuga, glaucoma, kana chimwe chirwere chinoda bvunzo dzegore rega, Medicare inowanzo kufukidza iwo maratidziro. Medicare haifukidze kushanya kwemaziso kuona shanduko yemagetsi yekuongorora.
• Chekutanga Medicare (zvikamu A uye B) hazvifukidze mazino masevhisi, asi mamwe marongero eMedicare Advantage anoita. Kana iwe uine mazino echimbichimbi akarapwa muchipatara, Chikamu A chinogona kuvhara zvimwe zvezvinodhura izvi.
• Medicare haifukidze mushonga weNaturopathic, senge acupuncture. Zvimwe zvirongwa zveMedare zvinobatsira zvinopa pekuvharisa.
• Medicare inongovhara chete chiropractic services, senge musana kugunun'una, kwechimiro chinozivikanwa sepasipinisi subluxation. Kuti uve nechokwadi chekuvhara, iwe uchada kuongororwa kwepamutemo kubva kune ane rezinesi uye anokwanisa chiropractor. Medicare Advantage zvirongwa zvinogona kuvhara mamwe mabasa echiropractic.

Panogona kuve nekumwe kushanyirwa kwekurapa uye masevhisi ayo Medicare isingazofukidze. Paunenge usina chokwadi, gara uchitarisa mutemo wako kana ruzivo rwekunyoresa.

• Kutanga kunyoresa: mwedzi mitatu usati uye mushure mekuzvarwa kwako makumi matanhatu nemashanu. Iwe unofanirwa kunyoresa kuMedare panguva ino yemwedzi minomwe. Kana iwe uchinge uchishandira, unogona kusaina kuMedare mukati memwedzi misere mushure mekurega basa kana kusiya chirongwa cheinishuwarenzi chehutano cheboka rako uye uchidzivirira zvirango. Pasi pemutemo wezvematongerwo enyika, unogona zvakare kunyorera chirongwa cheMedigap chero nguva mukati memwedzi mitanhatu kutanga neako makumi matanhatu neshanu^th bhavhdhe.
• Kazhinji kunyoresa: Ndira 1 - Kurume 31. Kana iwe ukasuwa iyo yekutanga kunyoresa nguva, iwe unogona achiri kusaina kuMedare chero nguva panguva ino. Nekudaro, iwe unogona kubhadhariswa inoenderera inonoka-kunyoresa chirango kana mabhenefiti ako atanga kushanda. Munguva ino, iwe unogona zvakare kushandura kana kudonhedza yako Medicare Advantage chirongwa uye sarudza yekutanga Medicare pachinzvimbo. Iwe unogona zvakare kuwana chirongwa cheMedigap panguva yekunyora kwakawanda.
• Kunyoresa kwegore negore kwakavhurwa: Gumiguru 15 - Zvita 7. Iwe unogona kuita shanduko kuchirongwa chako chiripo gore rega rega panguva ino.
• Kunyoresa kweMedare kuwedzerwa: Kubvumbi 1 - Chikumi 30. Iwe unogona kuwedzera Medicare Chikamu D kana chirongwa cheMedicare Kubatsira kune yako yazvino Medicare kufukidza.

Kutora

Medicare Chikamu B inovhara makumi masere kubva muzana emutengo wekushanya kwachiremba kwekuchengetedza uye mabasa ekurapa.

Haasi ese ese marudzi echiremba akafukidzwa. Kuti uve nechokwadi chekuvhara, chiremba wako anofanira kunge ari Medicare-anotenderwa mupi. Tarisa yako yega chirongwa kana kufonera Medicare's vatengi sevhisi pa800-633-4227 kana iwe uchida ruzivo rwekuvhara ruzivo.

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.