Zvirongwa zveMedare zvinobatsira Sei?

Zvemukati

• Ndezvipi zvinhu zvinokanganisa yako mutengo weiyo Medicare Kubatsira chirongwa?
• Ndeapi ari Medicare Kubatsira zvirongwa?
• Ndiri kukodzera here kune Medicare Advantage zvirongwa?
• Tora woenda nazvo

Medicare Advantage zvirongwa zvese-mu-imwe nzira kune yekutanga Medicare inopihwa nemakambani akazvimirira. Ivo vanobhadharwa neMedicare uye nevanhu vanonyorera kuchirongwa chakatarwa.

Ramba uchiverenga kuti udzidze zvakawanda nezveMedicare Advantage zvirongwa uye zvekunze-kwehomwe mari yezvirongwa izvi.

Ndezvipi zvinhu zvinokanganisa yako mutengo weiyo Medicare Kubatsira chirongwa?

Mari yaunobhadhara kuMedare Inobatsira inoenderana nezvinhu zvinoverengeka, zvinosanganisira:

• Mapuremi emwedzi wega wega. Zvimwe zvirongwa hazvina maprimiyamu.
• Mwedzi wega wega Medicare Chikamu B premiums. Mamwe marongero anobhadhara zvese kana chikamu chemaprimamu echikamu B.
• Gore negore rinobviswa. Inogona kusanganisira zvakabviswa zvegore rega kana mamwe madhiri.
• Nzira yekubhadhara. Iko coinsurance kana kubhadhara iwe unobhadhara kune imwe neimwe yebasa kana kushanyira.
• Type uye frequency. Rudzi rwemasevhisi aunoda uye kangani aanopihwa.
• Chiremba / mutengesi kugamuchirwa. Inokanganisa mari kana iwe uri muPPO, PFFS, kana chirongwa cheMSA, kana iwe uchienda kunze-kwe-network.
• Mitemo. Kubva pane yako marongero emitemo, senge kushandisa network vatengesi.
• Zvimwe zvinobatsira. Izvo zvaunoda uye izvo izvo zano rinobhadhara.
• Mugumo wegore. Yako yekunze-kwehomwe mutengo kune ese ekurapa masevhisi.
• Medicaid. Kana unayo.
• State rubatsiro. Kana ukagamuchira.

Izvi zvinhu zvinoshanduka gore rega maererano ne:

• premiums
• kubviswa
• services

Iwo makambani anopa zvirongwa, kwete Medicare, anoona kuti unobhadhara zvakadii pamasevhisi akafukidzwa.

Ndeapi ari Medicare Kubatsira zvirongwa?

Dzimwe nguva zvinonzi MA zvirongwa kana Chikamu C, zvirongwa zveMedare zvinobatsira zvinopihwa nemakambani akazvimirira anotenderwa neMedare. Aya makambani anobvumirana neMedare kuti vasunge pamwechete mabasa eMedarere:

• Medicare Chikamu A: inpatient chipatara kugara, kutarisira varwere, kuchengetwa munzvimbo ine hunyanzvi yevanamukoti, uye kumwe kurapwa kweimba
• Medicare Chikamu B: mamwe mabasa echiremba, kurapwa kwevarwere, zvekurapa, uye mabasa ekudzivirira
• Medicare Chikamu D (kazhinji): mishonga yemishonga

Zvimwe zvirongwa zveMedare zvinobatsira zvinowedzera kufukidza, senge:

• mazino
• chiratidzo
• kunzwa

Izvo zvakajairika zvirongwa zveMedare Kubatsira ndezvi:

• HMO (hurongwa hwekuchengetedza hutano) zvirongwa
• PPO (yakasarudzika Provider sangano) zvirongwa
• PFFS (yakazvimirira mari-ye-sevhisi) zvirongwa
• SNPs (akakosha ezvirongwa zvirongwa)

Pasina kujairika Zvirongwa zveMedare zvinobatsira zvinosanganisira:

• Medicare account yekuchengetedza zvekurapa (MSA) zvirongwa
• HMOPOS (HMO poindi yebasa) zvirongwa

Ndiri kukodzera here kune Medicare Advantage zvirongwa?

Iwe unogona kazhinji kujoina mazhinji Medicare Advantage zvirongwa kana iwe:

• vane Medicare Chikamu A uye Chikamu B
• gara munzvimbo yehurongwa hwebasa
• hauna chirwere chekupedzisira-chetsvo chirwere (ESRD)

Tora woenda nazvo

Medicare Advantage Plans - inonziwo MA Plans kana Chikamu C - inopihwa nemakambani akazvimirira uye inobhadharwa neMedare uye nevanhu vanokodzera Medicare vanonyorera chirongwa ichi.

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