Yakawanda Sei Iyo Medicare Chikamu C Inodhura muna 2021?
Zvemukati
- Chii chinonzi Medicare Chikamu C?
- Matipi ekuti ungasarudza sei chirongwa
- Zvinhu zvinokanganisa yako Medicare Chikamu C mitengo
- Zviripo
- Zvinobviswa
- Copayments uye coinsurance
- Ronga mhando
- Mararamiro
- Mari
- Kunze kwehomwe max
- Kugadzirisa Chikamu C mutengo
- Chii chinonzi Medicare Chikamu C chinodhura?
- Medicare Inobatsira inodhura kupfuura yekutanga Medicare here?
- Ndobhadhara sei chikamu changu cheC Part C?
- Batsira kubhadhara Medicare
- Kutora
- Medicare Chikamu C ndeimwe yemazhinji sarudzo yeMedare.
- Chikamu C chinoronga kufukidza izvo zvakavharwa neMedare, uye mazhinji Chikamu C zvirongwa zvinopa kuwedzera kufukidzwa kwezvinhu zvakaita mazino, kuona, uye kunzwa.
- Chikamu C chinotarisirwa nemakambani einishuwarenzi akazvimirira uye mari kana kuiswa nemakambani iwayo.
- Chikamu C zvirongwa zvinowanika kwauri zvinoenderana neyako ZIP kodhi.
- Unogona kutsvaga webhusaiti yeMedicare kuti uone mapurani ore anopiwa munzvimbo yako.
Yekutanga Medicare uye Medicare Chikamu C dzakasiyana inishuwarenzi sarudzo nemitengo yakasiyana.
Zvinhu zvakati wandei zvinogadzirisa Medicare Chikamu C mutengo, senge maprimiyamu, zvakabviswa, macopayments, uye coinsurance. Mari idzi dzinogona kubva pamadhora 0 kusvika kumazana emadhora emabhizimusi emwedzi nemwedzi uye zvinobviswa pagore.
Muchikamu chino, tichaongorora Medicare Chikamu C mutengo, zvinhu zvinovapa kwavari, uye toenzanisa mashoma mapurani anodhura kubva kwakatenderedza United States.
Chii chinonzi Medicare Chikamu C?
Medicare Kubatsira (Chikamu C) ndiyo imwe nzira kune yekutanga Medicare yakapihwa nemakambani einishuwarenzi akazvimirira.
Kana iwe uchito gamuchira iyo yekutanga Medicare asi uchida kuwedzerwa kufukidzwa kwemishonga yekunyorera uye mamwe masevhisi, Medicare Chikamu C inogona kunge iri sarudzo yakanaka kwauri.
Nezvirongwa zvizhinji zveMedicare Chikamu C, iwe wakafukidzirwa:
- Kuvhara muchipatara (Chikamu A). Izvi zvinovhara mabasa epachipatara, kuchengetwa kwehutano hwepamba, kuchengetwa kwenzvimbo yekuchengeta, uye kutarisira varwere.
- Kuvharwa kwechiremba (Chikamu B). Izvi zvinofukidza zvekudzivirira, kuongorora, uye kurapwa zvine chekuita nezvehutano.
- Kunyorerwa zvinodhaka zvinodhaka (Chikamu D). Izvi zvinofukidza pamwedzi mishonga yekunyorera zvinodhaka.
- Mazino, maonero, uye kunzwa kwekuvhara. Izvi zvinofukidza kuongororwa kwegore uye zvimwe zvekushandisa zvinodiwa.
- Zvimwe zvinowedzera. Zvimwe zvirongwa zvinofukidza zvehutano, zvakadai sejimendi nhengo uye kutakurwa kuenda kunzvimbo dzachiremba.
Paunosarudza chirongwa cheMedicare Chikamu C, pane akasiyana marongero ehurongwa iwe aunogona kusarudza kubva. Aya sarudzo sarudzo anosanganisira:
- Hutano Kuchengetedza Masangano (HMOs)
- Vanosarudzika Vanopa Masangano (PPOs)
- Yakavanzika Mari-yeBasa (PFFS)
- Zvirongwa Zvakakosha Zvezvirongwa (SNPs)
- Medicare Kuchengetedza Maakaundi (MSAs)
Imwe yeaya marongero anopa akasiyana mabhenefiti zvichienderana nemamiriro ako ekurapa.
Matipi ekuti ungasarudza sei chirongwa
Pane zvinhu zvakawanda zvekufunga nezvazvo paunosarudza chirongwa cheMedicare Advantage. Funga nezve zvaunoda zvehutano, marii yaunokwanisa kutenga, mhando yeinishuwarenzi yauinayo izvozvi, uye kuti iri kusangana sei nezvido zvako.
Iwe unogona zvakare kushandisa Medicare kutsvaga chirongwa chekushandisa kuenzanisa zvirongwa kuti uve nechokwadi chekuti chirongwa chaunosarudza chinofukidza zvaunoda.
Zvinhu zvinokanganisa yako Medicare Chikamu C mitengo
Mazhinji ako Medicare Chikamu C mutengo anozotemerwa nechirongwa chaunosarudza. Nekudaro, mararamiro ako uye mamiriro emari anogona zvakare kuve nemhedzisiro pamitengo yako.
Heano zvimwe zvezvinhu zvakajairika zvinokanganisa izvo iwe zvauchabhadhara kuchirongwa cheMedicare Chikamu C.
Zviripo
Mamwe marongero eMedicare Chikamu C "akasununguka," zvichireva kuti havana mari yemwedzi. Kunyangwe uine zero-premium Medicare Advantage chirongwa, iwe unogona kunge uchikwereta Chikamu B chekutanga.
Zvinobviswa
Mazhinji Medicare Chikamu C zvirongwa zvine zvese chirongwa chinobviswa uye chinodonhedzwa chinodhaka. Mazhinji (asi kwete ese) eemahara Medicare Advantage zvirongwa zvinopa iyo $ 0 chirongwa chinobviswa.
Copayments uye coinsurance
Makopi imari yauchakwereta yekushanya kwese kwachiremba kana kunyorerwa mushonga. Coinsurance huwandu chero huwandu hwemasevhisi iwe aunofanirwa kubhadhara muhomwe mushure mekunge yako yakabviswa yasangana.
Kana chirongwa chako chichibhadharisa kopayment yehofisi yechiremba uye kushanya kwehunyanzvi, izvi zvinodhura zvinogona kuwedzera nekukurumidza kune vanhu vane hutano husingaperi mamiriro ayo anowanzo shanyira hofisi.
Ronga mhando
Rudzi rwehurongwa hwaunosarudza hunogona zvakare kuve nemhedzisiro pane yakawanda sei yako Medicare Chikamu C chirongwa chingabhadhare. Semuenzaniso, kana iwe uri pane chirongwa cheHMO kana PPO asi ukasarudza kushanyira wekunze-we-network mupi, izvi zvinogona kuwedzera mari yako.
Mararamiro
Ipo Medicare yekutanga ichifukidza masevhisi pasirese, mazhinji zvirongwa zveMedare zvinobatsira zviri munzvimbo. Izvi zvinoreva kuti kana iwe uchifamba kazhinji, unogona kuzviwana wakanamatira kunze-kweguta zvikwereti zvekurapa.
Mari
Mari yako yegore rose yaunowana inogona zvakare kuita kuti ubhadhare marii yako yeMedicare Chikamu C inodhura. Kune vanhu vasina mari kana zviwanikwa, pane zvirongwa zvinogona kubatsira kudzikisa yako Medicare mutengo.
Kunze kwehomwe max
Imwe mukana weMedare Chikamu C ndechekuti zvese zvirongwa zveMedare zvinobatsira zviri kunze kwehomwe. Iyi mari inosiyana asi inogona kutangira kubva kumakumi ezviuru kusvika kumusoro kwe $ 10,000-plus.
Kugadzirisa Chikamu C mutengo
Chimwe chezvinhu zvekutanga zvaunogona kuita kubata yako Medicare Chikamu C mutengo ndeyekuverenga kuburikidza zvinotevera zvinotevera zviziviso kubva kuchirongwa chako:
- Uchapupu hweKutenga (EOC)
- Yegore Negore Chiziviso Chekuchinja (ANOC)
Aya ziviso inogona kukubatsira kuona chaizvo izvo zvauchabhadhara muhomwe yehurongwa hwako, pamwe nechero shanduko dzemutengo dzinozoitika gore rinotevera.
Chii chinonzi Medicare Chikamu C chinodhura?
Kune mamwe emitengo yakasiyana inosanganisirwa nezvirongwa zveMedare Chikamu C. Izvi zvinodhura zvinosanganisira:
- mwedzi wega wega Chikamu C kuronga premium
- Chikamu B chekutanga
- mu-network inobviswa
- mushonga unobviswa
- copays
- coinsurance
Mari yako inogona kutaridzika zvakasiyana zvichienderana nekuvhara kwako, chirongwa cherudzi, uye kuti iwe unogamuchira chero rwumwe rubatsiro rwemari.
Pazasi pane muyenzaniso mudiki weMedare Chikamu C chirongwa chinodhura kubva kuvakuru veinishuwarenzi vanopa mumaguta akapoterera United States:
| Ronga zita | Guta | Mwedzi wega wega shoma | Hutano hunobviswa, zvinodhaka zvinobviswa | Chiremba wepuraimari copay | Nyanzvi copay | Kunze kwehomwe max |
|---|---|---|---|---|---|---|
| Nhetembo MediBlue KutangaSmart Plus (HMO) | Los Angeles, CA | $0 | $0, $0 | $5 | $0–$20 | $ 3,000 mune network |
| Cigna Yechokwadi Sarudzo Medicare (PPO) | Denver, CO | $0 | $0, $0 | $0 | $35 | $ 5,900 mu network, $ 11,300 mukati nekunze kwenetiweki |
| HumanaChoice H5216-006 (PPO) | Madison, WI | $48 | $0, $250 | $10 | $45 | $ 6,000 mu network, $ 9,000 mukati uye kunze kwenetiweki |
| Humana Goridhe Plus H0028-042 (HMO) | Houston, TX | $0 | $0, $195 | $0 | $20 | $3450 mune network |
| Aetna Medicare Premier Chirongwa (PPO) | Nashville, TN | $0 | $0, $0 | $0 | $40 | $ 7,500 mu network, $ 11,300 kunze kwenetiweki |
| Kaiser Permanente Medicare Advantage Standard MD (HMO) | Baltimore, MD | $25 | $0, $0 | $10 | $40 | $ 6,900 mu network |
Izvo zviyero zviri pamusoro ndezve 2021 uye ingori chete sampuro yesarudzo dzakawanda dzakapihwa munzvimbo yega yega.
Kuti uwane fungidziro yemunhu wega yeMedicare Chikamu C chirongwa chinodhura zvinoenderana nemamiriro ako ehutano, shanyira iyi Medicare.gov chirongwa chekutsvaga uye nyora yako ZIP kodhi kuti uenzanise zvirongwa padhuze newe.
Medicare Inobatsira inodhura kupfuura yekutanga Medicare here?
Kunyangwe zvingaite senge zvirongwa zveMedare zvinobatsira zvinodhura kupfuura yekutanga Medicare, vanogona chaizvo kubatsira kuponesa pamari yekurapa.
Imwe yazvino yakaona kuti mari dzechiremba dzaive dzakaderera kune vanhu vakanyoreswa muzvirongwa zveMedicare Advantage. Uye zvakare, chirongwa cheMedicare Chakanakira vanowana chakachengetedza mari yakawanda pazvinhu zvakaita semidziyo yezvokurapa uye bvunzo bvunzo.
Ndobhadhara sei chikamu changu cheC Part C?
Mazhinji makambani anopa Medicare Chikamu C zvirongwa zvine nzira dzakasiyana dzekubhadhara yako premium. Idzi sarudzo dzinosanganisira:
- online bhiri kubhadhara
- otomatiki kubvisa kubva kubhangi account yako
- otomatiki kubvisa kubva kuSocial Security yako kana Railroad Retirement Board mabhenefiti tarisa
- cheki kana odha yemari
Batsira kubhadhara Medicare
Kana iwe uchinetseka kubhadhara yako Medicare Chikamu C mutengo, pane zviwanikwa zvinogona kubatsira:
Kutora
- Medicare Chikamu C ndiyo huru yekuvhara sarudzo yeMedicare vanobatsirwa avo vari kutsvaga yekuwedzera kufukidzwa.
- Yako Medicare Chikamu C mutengo unosanganisa maprimiyamu, zvakabviswa, macopayments, uye coinsurance.
- Mari yako inozoonekwawo zvichienderana nehurongwa hwako, kuti kangani kaunoda rubatsiro rwekurapa, uye nemhando ipi yavanachiremba yaunoona.
- Kana iwe uine makore makumi matanhatu nemashanu kana kupfuura kana uine hurema, unokodzera kunyorera Medicare.
- Shanyira iyo Social Security Administration webhusaiti kuti uwane rumwe ruzivo nezve maitiro ekunyorera uye kunyoresa.
Ichi chinyorwa chakagadziridzwa munaNovember 20, 2020, kuratidza 2021 Medicare 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.
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