Unoita Chaiwo Medicare, Medigap, uye Medicare Kubatsira Kavharira Mamiriro Ekuvapo?

Zvemukati

• Do Medicare yekuwedzera zvirongwa inovhara zvisati zvavapo mamiriro?
• Unogona here kurambidzwa kufukidzwa kweMedigap?
• Medicare Inobatsira inovhara mamiriro ezvinhu aripo here?
• Medicare Advantage Yakakosha Zvidimbu zvirongwa
• Tora woenda nazvo

Chekutanga Medicare - iyo inosanganisira Chikamu A (inishuwarenzi yechipatara) uye Chikamu B (inishuwarenzi yekurapa) - inovhara mamiriro anga aripo.

Medicare Chikamu D (inonyorwa inishuwarenzi yemushonga) ichafukidzawo mishonga iwe yauri kutora izvozvi kune yako preexisting mamiriro.

Ramba uchiverenga kuti udzidze zvakawanda nezve izvo zvirongwa zveMedare zvinofukidza mamiriro ezvinhu aripo, uye mamiriro api angaramba iwe kufukidzwa.

Do Medicare yekuwedzera zvirongwa inovhara zvisati zvavapo mamiriro?

Medicare yekuwedzera zvirongwa (zvirongwa zveMedigap) zvinopihwa nemakambani akazvimirira anotenderwa neMedare. Zvirongwa zveMedigap zvinofukidza zvimwe zvezvinhu zvisina kufukidzwa neyekutanga Medicare, senge zvinobviswa, kubhadharwa mari, uye kubhadhara.

Kana iwe ukatenga chirongwa cheMedigap panguva yako yekuvhura yakavhurika nguva, kunyangwe kana uine mamiriro ekuvapo, unogona kuwana chero mutemo weMedigap unotengeswa mudunhu rako. Iwe haugone kurambidzwa kufukidzwa uye iwe uchabhadhara iwo iwo mutengo wakaenzana sevanhu vasina mamiriro ekuvapo.

Yako yakavhurika kunyoresa nguva yeMedigap kufukidza inotanga mwedzi iwe uri makumi matanhatu neshanu uye / kana kunyoreswa muMedare Chikamu B.

Unogona here kurambidzwa kufukidzwa kweMedigap?

Kana iwe ukanyorera kuMedigap kufukidzwa mushure mekuvhura kwako kunyoresa nguva, unogona kusasangana nezvinodiwa zvekunyora pasi uye ungarambwe kufukidzwa.

Medicare Inobatsira inovhara mamiriro ezvinhu aripo here?

Medicare Advantage zvirongwa (Medicare Chikamu C) zvinopihwa nemakambani akazvimirira anotenderwa neMedicare. Aya marongedzero akasunganidzwa kuti asanganise Medicare Zvikamu A uye B, kazhinji Medicare Chikamu D, uye kazhinji kuwedzerwa kufukidzwa senge mazino uye chiratidzo.

Iwe unogona kujoina chirongwa cheMedicare Advantage kana iwe uine mamiriro ekuvapo kunze kwekunge iwo mamiriro ekuvapo ari mugumo weiyo renal chirwere (ESRD).

Medicare Advantage Yakakosha Zvidimbu zvirongwa

Medicare Advantage Special Needs Plans (SNPs) inosanganisira Medicare Zvikamu A, B, uye D uye zvinongowanikwa chete kune vanhu vane mamwe mamiriro ehutano akadai se:

• autoimmune kusagadzikana: chirwere chechiliac, lupus, rheumatoid arthritis
• gomarara
• zvimwe, kuremadza hunhu hutano mamiriro
• chisingaperi chirwere chemoyo
• kusingaperi kwekushandisa zvinodhaka uye / kana kudhakwa
• chisingaperi moyo kutadza
• chirwere chisingaperi chemapapu: asthma, COPD, emphysema, pulmonary hypertension
• kuora mwoyo
• chirwere cheshuga mellitus
• kupera chikamu chirwere chechiropa
• end stage renal chirwere (ESRD) inoda dialysis
• HIV / AIDS
• hematological kusagadzikana: yakadzika vein thrombosis (DVT), sickle cell anemia, thrombocytopenia
• kusagadzikana kwepfungwa: pfari, multiple sclerosis, chirwere chePasinson, ALS
• sitiroko

Kana iwe ukave unokodzera SNP uye paine chirongwa chemuno chiripo, unogona kunyoresa chero nguva.

Kana iwe usisiri kukodzera Medicare SNP, unogona kushandura kufukidza kwako panguva yakakosha yekunyora nguva iyo inotanga kana iwe ukaziviswa neSNP yako kuti hauchakodzeri chirongwa uye unoenderera kwemwedzi miviri mushure mekuvhara kwapera.

Tora woenda nazvo

Chekutanga Medicare - Chikamu A (inishuwarenzi yechipatara) uye Chikamu B (inishuwarenzi yekurapa) - inovhara mamiriro ezvinhu aripo.

Kana iwe uine mamiriro ekuvapo, funga kusaina chirongwa cheMedigap (chirongwa cheMedicare chinowedzera) mutemo.

Medigap inopa yakavhurika kunyoresa nguva panguva iyo iwe yausingakwanise kurambidzwa kufukidzwa, uye iwe uchabhadhara iwo iwo mutengo wakaenzana sevanhu vasina preree zviripo mamiriro. Iwe unogona kurambidzwa kufukidzwa kana iwe ukanyoresa kunze kwekuvhura kwako kunyoresa nguva.

Kana iwe uri kufunga nezvechirongwa cheMedicare Advantage, zvinoenderana nemamiriro ako anga aripo, unogona kuendeswa kuchirongwa cheMedicare Advantage Special Needs (SNP).

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