Munyori: Louise Ward
Zuva Rekusika: 10 Kukadzi 2021
Gadziridza Zuva: 29 Gumiguru 2024
Anonim
Chii chinonzi Medicare Dual Inokodzera Zvakakosha Zvirongwa? - Utano
Chii chinonzi Medicare Dual Inokodzera Zvakakosha Zvirongwa? - Utano

Zvemukati

  • A Medicare Dual Eligible Special Needs Plan (D-SNP) chirongwa cheMedicare Advantage chakagadzirirwa kupa chakakosha kufukidza kune vanhu vakanyoreswa mune ese ari maviri Medicare (zvikamu A neB uye) neMedicaid.
  • Aya marongero anobatsira vanhu vane zvinodikanwa zvepamusoro kuvhara-kunze-kwehomwe mari dzavanogona kunge vachizvikonzera pasi pechinyakare zvirongwa zveMedare.

Kana iwe uri pamusoro pemakore makumi matanhatu nemashanu kana uine mamwe mamiriro ehutano - uye uine mari shoma yekubhadhara iwe - unogona kuwira muboka rakasarudzika rinokodzera zvirongwa zveinishuwarenzi zvehurumende. Muchokwadi, vangangoita mamirioni gumi nemaviri vekuAmerican vane mvumo kune ese Medicare uye Medicaid kufukidza, zvichibva nezera ravo uye mamiriro ehutano. Kana iwe uri mumwe wavo, unogona kukodzera D-SNP.

Verenga pamusoro kuti udzidze kuti chii chinonzi D-SNP uye kuti unokodzera here.

Chii chinonzi Medicare Dual Eligible Special Needs Chirongwa (D-SNP)?

A Medicare Special Needs Plan (SNP) rudzi rwechirongwa cheMedicare Advantage (Chikamu C) icho chinopa mhando yekuwedzeredzwa kweMedare. Aya marongero epachivande anobatsira kurongedza kuchengetedza uye mabhenefiti pakati peMedare, inova chirongwa chehurumende, neMedicaid, inova chirongwa chehurumende.


D-SNPs ndiyo yakanyanya kuomarara yeSNPs maererano nezvose zviri zviviri kufukidza uye kukodzera zvinodiwa, asi ivo vanopa iyo yakazara yakazara mabhenefiti kune vanhu vane yakanyanya kudikanwa.

Kuti uwane chikamu cheD-SNP, unofanirwa kuratidza kuti unokodzera. Iwe unofanirwa kutanga wanyora mune ese ari maviri Medicare uye nyika yako chirongwa cheMedicaid, uye iwe unofanirwa kugona kunyora iko kufukidzwa.

Yakagadzirwa muna 2003 neCongress, Medicare SNPs inowanikwa kune avo vanotova neMedare zvikamu A uye B. SNPs rudzi rweMedicare Part C (Advantage) chirongwa chinotongwa nehurumende yemubatanidzwa uye chinopihwa nemakambani einishuwarenzi akazvimirira. Vanobatanidza zvinhu zvakati wandei zveMedarere: Chikamu A kufukidza kuchipatara, Chikamu B kufukidza kwevarapi vekunze, uye Chikamu D kufukidzwa kwemushonga.

Haasi ese matunhu anopa Medicare SNPs. Kubva muna 2016, 38 inotaura pamwe neWashington, DC, nePuerto Rico vakapa D-SNPs.

mishonga inonyanya kudiwa zvirongwa

SNPs dzakapatsanurwa muzvikamu zvitatu zvichibva parudzi rwevanhu vanodzikodzera.


  • Dual Eligible Specials Inoda Zvirongwa (D-SNPs). Aya marongero ndeevanhu vanokodzera zvese zviri zviviri Medicare uye yavo nyika chirongwa cheMedicaid.
  • Chisingaperi Mamiriro Akakosha Anodiwa Zvirongwa (C-SNPs). Aya marongero eAdvantage akagadzirwa kune vanhu vane hutano husingaperi mamiriro sekutadza kwemoyo, gomarara, chirwere chekupedzisira renal chirwere, zvinodhaka uye kudhakwa kuvimba, HIV, nezvimwe.
  • Institutional Special Needs Plans (I-SNPs). Aya marongero eAdvantage akagadzirirwa vanhu vanofanirwa kugara mune inishuwarenzi kana yekugara-kwenguva yekuchengetedza nzvimbo kwenguva yakareba kupfuura mazuva makumi mapfumbamwe.

Ndiani anokodzera Medicare Dual Inokodzera SNPs?

Kuti utariswe kune chero SNPs, iwe kutanga unofanirwa kunyoreswa muMedare zvikamu A uye B (yekutanga Medicare), iyo inovhara kuchipatara uye mamwe mabasa ekurapa.

Kune akasiyana eD-SNPs anowanikwa. Mamwe mapurogiramu ehutano Hwekuchengetedza (HMO), uye mamwe anogona kunge Asarudzo Anopa Masangano (PPO). Zvirongwa zvinosiyana zvichienderana nekambani yeinishuwarenzi yaunosarudza uye nenzvimbo yaunogara. Chirongwa chega chega chinogona kuve nemari dzakasiyana.


Unogona kufonera 800-MEDICARE kuti uwane rumwe ruzivo kana kubvunza mibvunzo nezve D-SNPs uye mamwe maMedicare mabhenefiti.

Kukodzera kweMedare

Iwe unokodzera Medicare pazera remakore makumi matanhatu nemashanu kana kupfuura. Iwe une mwedzi mitatu pamberi uye mushure memwedzi umo iwe unosvitsa makore makumi matanhatu nematanhatu kunyoresa kutanga Medicare kufukidzwa.

Iwe zvakare unokodzera Medicare, zvisinei nezera, kana iwe uine chinokodzera mamiriro kana hurema, senge yekupedzisira danho renal chirwere kana amyotrophic lateral sclerosis, kana kana wanga uri paSocial Security Disability Insurance kwemwedzi makumi maviri nemana kana kupfuura.

Kana iwe uchikodzera, iwe unogona kunyoresa muD-SNP panguva yakakodzera yeMedicare kunyoresa nguva, sekureba sekunge D-SNPs ichipihwa munzvimbo yako.

nguva dzekunyora dzemishonga
  • Kutanga kunyoresa. Iyi nguva inotanga mwedzi mitatu usati wasvika makore makumi matanhatu nemashanu ekuberekwa uye inosvika kusvika pamwedzi mitatu mushure mekuzvarwa kwako makumi matanhatu nemashanu.
  • Medicare Kubatsira kunyoresa. Izvi zvinobva muna Ndira 1 kusvika Kurume 31. Munguva iyi, unogona kunyoresa kana kushandura chirongwa chako cheMedicare Advantage. Unogona kwete chinja kubva pakutanga Medicare kuenda kune Yekubatsira chirongwa panguva ino; iwe unogona kuita izvi chete panguva yekunyoresa pachena.
  • General Medicare kunyoreswa. Iyi nguva iri kubva muna Ndira 1 kusvika Kurume 31. Kana iwe usina kunyoresa kweMedicare yepakutanga panguva yako yekutanga kunyoresa nguva, unogona kunyoresa panguva ino.
  • Vhura kunyoresa. Izvi zvinobva muna Gumiguru 15 kusvika Zvita 7. Chero ani anokodzera Medicare anogona kusaina panguva ino kana asati atove. Unogona kubva paMedicare yekutanga kuenda kuchirongwa cheAdvantage, uye iwe unogona zvakare kuchinja kana kusiya yako yazvino Advantage, Chikamu D, kana chirongwa cheMedigap panguva ino.
  • Nguva dzakakosha dzekunyora. Izvi zvinowanikwa gore rese uye zvinoenderana neshanduko mumamiriro ako ezvinhu, senge kukodzera kutsva kweMedicare kana Medicaid, kufamba, shanduko mune yako yekurapa mamiriro, kana kumiswa kwechirongwa chako chazvino.

Kukodzera kweMedicaid

Kukodzera kweMedicaid kunoenderana nezvinhu zvakati wandei, kusanganisira mari yaunowana, mamiriro ehutano, uye kana uchikwanisa kuwana Supplemental Security Income. Kuti uone kana iwe uine kodzero yekuvharwa kweMedicaid mudunhu rako uye kuti ugamuchire kusimbiswa kwekukodzera kwako, bata hofisi yako yeMedicaid yenyika.

Unonyora sei mune Dual Eligible SNP?

Iwe unogona, mune mamwe mamiriro ezvinhu, kuve unonyoreswa wega kuMedicare zvikamu A uye B kana iwe uchinge wasvitsa makore makumi matanhatu nemashanu. Asi iwe unenge usinga nyorwe unonyoreswa muD-SNP nekuti iri mhando yeMedicare Advantage (Chikamu C) Chirongwa.

Unogona kutenga zvirongwa zveMedicare Advantage, kusanganisira D-SNPs, panguva dzeMedicare-dzakatenderwa nguva dzekunyora: iyo Medicare Advantage kunyoresa nguva kubva muna Ndira 1 kusvika Kurume 31, kunyoresa kuvhurika kubva Gumiguru 15 kusvika Zvita 7, kana panguva yakakosha yekunyoresa nguva kana iwe uine chinja mumamiriro ako ega.

Kunyoresa chero chirongwa cheMedare Kubatsira, kusanganisira D-SNPs, tevera matanho aya:

  • Sarudza chirongwa munzvimbo yako (ona chirongwa cheMedicare chinotsvaga chirongwa chezvirongwa mune yako ZIP kodhi).
  • Kunyoresa online kana kukumbira pepa fomu kunyoresa nepositi, shanyira webhusaiti yekambani yeinishuwarenzi kune chirongwa chawakasarudza.
  • Fonera 800-MEDICARE (800-633-4227) kana uchida rubatsiro.
zvinyorwa iwe zvaunoda kunyoresa muD-SNP
  • kadhi rako reMedare
  • zuva chairo rawakatanga Medicare zvikamu A uye / kana B kufukidza
  • humbowo hweMedicaid kufukidza (yako Medicaid kadhi kana tsamba yepamutemo)

Chii chinonzi Dual Eligible SNP chifukidzo?

D-SNPs zvirongwa zveMedicare Advantage, saka vanovharira ese mamwe masevhisi seimwe chirongwa cheMedicare Advantage. Izvi zvinosanganisira:

  • $ 0 mapuramu emwedzi
  • kuchengetedza mabasa ekubatanidza
  • Medicare Chikamu D
  • zvimwe zvekutengesa-mishonga uye mishonga
  • kutakura kuenda kumabasa ekurapa
  • telehealth
  • kuona uye kunzwa mabhenefiti
  • kugwinya uye nhengo dzekurovedza muviri

Uine akawanda Medicare Advantage zvirongwa, iwe unobhadhara chikamu chehurongwa hwako mutengo kubva muhomwe. Iine D-SNP, Medicare neMedicaid vanobhadhara zvakanyanya kana zvese izvo zvinodhura.

Medicare inobhadhara mugove wemari yako yekurapa kutanga, ipapo Medicaid inobhadhara chero mari inogona kusara. Medicaid inozivikanwa seye "yekupedzisira nzira" yekubhadhara yemitengo isina kuvharwa kana kungovharwa zvishoma neMedare.

Kunyange mutemo wezvematongerwo enyika uchiisa Medicaid mari inowanwa, nyika yega yega ine mvumo yeMedicaid uye miganho yekuvhara. Kuronga kufukidza kunosiyana nehurumende, asi kune zvimwe zvirongwa zvinosanganisira ese Medicare neMedicaid mabhenefiti.

Chii chinonzi Dual Eligible SNP inodhura?

Kazhinji, uine Special Needs Chirongwa (SNP), iwe waizobhadhara chikamu chakafanana neicho iwe chauchazobhadhara pasi pechero chirongwa cheMedicare Advantage. Maprimiyamu, macopayments, mari yemari, uye zvakabviswa zvinogona kusiyana zvichienderana nechirongwa chaunosarudza. Uine D-SNP, yako mitengo yakaderera nekuti hutano hwako, hurema, kana mamiriro emari akakwanisa iwe kuti uwane imwe rutsigiro kubva kuhurumende nehurumende.

Chaicho mutengo weD-SNPs muna 2020

Rudzi rwemariRange remutengo
mwedzi wepamberi$0
yegore rose mu-network hutano hwehutano hunobviswa $0–$198
chiremba wekutanga copay$0
nyanzvi copay $0–$15
chiremba wekutanga coinsurance (kana zvichibvira)0%–20%
nyanzvi coinsurance (kana zvichibvira) 0%–20%
mushonga unobviswa$0
kunze-kwe-muhomwe max (mune network)$1,000–
$6,700
kunze-kwe-muhomwe max (kunze kwenetiweki, kana zvichibvira)$6,700

Kutora

  • Kana iwe uine zvido zvehutano zvakawandisa kana hurema uye mari yako yaunotambira ishoma, unogona kukodzera rutsigiro rwehurumende nehurumende.
  • Dual Eligible Special Needs Plans (D-SNPs) imhando yehurongwa hweMedicare Advantage iyo inovhara kuchipatara kwako, kurapwa kwevarwere vekunze, uye zvirevo; iyo mari yehurongwa yakafukidzwa nehurumende nehurumende mari.
  • Kana iwe uchikodzera kune ese ari maviri Medicare uye yako nyika chirongwa cheMedicaid, unogona kuve nekodzero yekudzikira kana kusabhadhara-hutano hutano pasi peD-SNP.

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