Medicare muCalifornia: Izvo Zvaunofanirwa Kuziva

Zvemukati

• Medicare Chikamu A
• Medicare Chikamu B
• Medicare Chikamu C (Medicare Kubatsira)
• Medicare Chikamu D
• Medicare yekuwedzera inishuwarenzi (Medigap)
• Ndeapi mazuva ekunyora ekunyorwa kwezvikamu zveMedare uye zvirongwa?
• Kutora

Medicare chirongwa chehurumende chekuchengetedza hutano chinonyanya kushandiswa nevanhu vane makore makumi matanhatu nemashanu zvichikwira. Vanhu vezera ripi zvaro vakaremara uye avo vane yekupedzisira nhanho renal chirwere (ESRD) kana amyotrophic lateral sclerosis (ALS) vanokwanisawo kugamuchira Medicare.

Kana iwe uchigara muCalifornia uye uchizadzisa izvo zvinodikanwa zveMedare, iwe unokodzera iyo yekutanga Medicare (zvikamu A uye B) uye Medicare Chikamu D, zvisinei kuti uri mudunhu raunogara. Kuwanikwa kweMedicare Chikamu C (Medicare Advantage) kwakasiyana mune dzimwe nzvimbo dzeCalifornia kupfuura zvazviri mune mamwe matunhu.

Medicare Chikamu C kukodzera muCalifornia kunoenderana nedunhu uye ZIP kodhi yekugara kwako kwekutanga.

Medicare Chikamu A

Medicare Chikamu A chinozivikanwawo seinishuwarenzi yechipatara. Chikamu A chinofukidza kurapwa kwevanorapwa muchipatara, kuchengetwa kwevanorapa varwere, mamwe mabasa ehutano hwepamba, uye kugara kwakaringana uye mabasa munzvimbo ine hunyanzvi yevanamukoti (SNF).

Kana iwe kana mumwe wako mukashanda uye mukabhadhara Medicare mutero kweanenge makore gumi, munogona kunge muchikwanisa kuwana chikamu chisina mubhadharo Chikamu A pasina muripo wemwedzi. Kunyangwe iwe usingakodzere kuwana-isina chikamu Chikamu A, unogona kukwanisa kutenga Chikamu A (chikamu chePrimiyamu A).

Medicare Chikamu B

Medicare Chikamu B inovhara mabasa anodiwa pakurapa, senge kusarudzwa kwechiremba uye mabasa eamburenzi. Inobatawo kuchengetedza, sekudzivirira majekiseni akawanda. Pamwe neChikamu A, Medicare Chikamu B inogadzira yekutanga Medicare. Iwe uchafanirwa kubhadhara mari yepamwedzi ye Medicare Chikamu B.

Medicare Chikamu C (Medicare Kubatsira)

Medicare Chikamu C chinotengwa kuburikidza neinishuwarenzi vega ayo anotenderwa neMedicare. Nemutemo, chirongwa cheMedicare Chikamu C chinofanirwa kufukidza zvakati wandei sekutanga kweMedicare zvikamu A uye B, ita. Yakawanda Chikamu C inoronga kufukidza mamwe masevhisi kupfuura ekutanga Medicare inopa, asi kazhinji zvinoda kuti iwe ushandise yakatarwa netiweki yechiremba. Zvimwe zveMedare Chikamu Chikamu C zvirongwa zvinosanganisira kunyorerwa mishonga, asi vamwe havadaro.

Medicare Chikamu C hachiwanikwe kwese kuCalifornia. Mamwe mataundi anokwanisa kuwana zvirongwa zvakawanda. Mamwe matunhu anokwanisa kuwana mashoma chete. Anenge gumi nematanhatu matunhu muCalifornia, akadai seCalaveras County, anoita kwete kuve nekuwana chero marongero eMedicare Advantage.

Isa kodhi yako yeZIP pano kuti uone zvirongwa zveMedare zvinowanikwa munzvimbo yako.

Makambani mazhinji anopa Advantage marongero mune zvikamu zveCalifornia. Zvinosanganisira:

• Aetna Medicare
• Kurongedza Hutano Hurongwa
• Nhetembo Bhuruu Muchinjikwa
• Bhuruu Muchinjikwa weCalifornia
• Zuva idzva
• Central Hutano Medicare Chirongwa
• Clever Kuchengeta Hutano Chirongwa
• Goridhe State
• Hutano Net Nharaunda Solutions, Inc.
• Hutano Net yeCalifornia
• Humana
• Imperial Hutano Chirongwa cheCalifornia, Inc.
• Kaiser Permanente
• Shandisa Health Plan
• UnitedHealthcare
• WellCare

Mazhinji ezvirongwa zvinopihwa eHurumende Yekuchengetedza Sangano (HMO) marongero anotanga pamutengo we $ 0 pamwedzi. Mari yakanyanya kubuda muhomwe yaunofanirwa kubhadhara gore rega rega inogona kusiyana zvakanyanya kune izvi zvirongwa. HMO zvirongwa zvinowanzodawo kuti iwe ubhadhare copay pakushanya kwachiremba mumwe nemumwe.

Mamwe marudzi ehurongwa hweMedicare Advantage hunosanganisira zvirongwa zveProviderred Provider Organisation (PPO). Zvimwe zveizvi zvinogona kuve nemari yepamusoro yemwedzi pamwedzi pane maHMOs kuwedzera kune kunze-kwehomwe mari uye macopay. Izvo zvakakosha kuti uongorore zvirongwa zvauri kufunga, sezvo zvichisiyana kwete kwete mumutengo chete asiwo mumasevhisi uye kufukidzwa kunopihwa.

Medicare Chikamu D

Medicare Chikamu D chikamu cheMedare chinofukidza mishonga yekunyorera. Iyo inorehwa kuti ishandiswe neyekutanga Medicare (zvikamu A uye B). Kana iwe uine chirongwa cheAdvantage chinosanganisira mishonga, haufanire kutenga chirongwa cheChikamu D futi.

Kana iwe usina mushonga wemishonga unovharidzira kuburikidza nechimwe chinhu, senge inishuwarenzi yehutano yaunowana kubasa, zvakakosha kunyoresa muMedare Chikamu D paunenge uchinge wakakodzera Medicare. Kana ukasadaro, ungatofanira kubhadhara mitero yakakwira muchimiro chemurango wemwedzi wega kwenguva yese yeChikamu D chako kufukidzwa.

Medicare Chikamu D chinopihwa nemakambani einishuwarenzi akazvimirira. Iko kune Chikamu Chikamu D zvirongwa zvinowanikwa mudunhu rese reCalifornia. Aya marongero anosiyana maererano nemishonga yavanofukidza, pamwe nemutengo wavo.

Uine sarudzo dzakawanda, kunyoresa muMedare kunogona kuvhiringidza. Aya masangano anogona kupa ruzivo iwe rwaunoda kusarudza uye kunyoresa mune yakanakisa chirongwa cheMedare chako iwe kana uchigara muCalifornia.

• State yeCalifornia Dhipatimendi reKwegura
• California Dhipatimendi reInishuwarenzi
• HICAP (iyo Hutano Inishuwarenzi Counselling & Advocacy Chirongwa)
• Hurumende Hutano Inishuwarenzi Rubatsiro Zvirongwa (SHIP)

Medicare yekuwedzera inishuwarenzi (Medigap)

Medicare yekuwedzera inishuwarenzi kana Medigap yakagadzirirwa kubatsira iwe kubhadhara izvo zvinhu zvisina kufukidzwa neyekutanga Medicare. Izvi zvinodhura zvinosanganisira copays, coinsurance, uye zvakabviswa. MuCalifornia, iwe unokwanisa kutenga imwe yemhando gumi dzemhando yezvirongwa zvakaenzana zvinowanikwa munzvimbo zhinji dzenyika.

Aya marongero akaenzana anosarudzwa nemavara ealfabheti: A, B, C, D, F, G, K, L, M, naN. Zano rega rega rinosiyana maererano nemabhenefiti ayo, mutengo, uye kufukidza. MuCalifornia, kune akawanda mainishuwarenzi anovhara zvimwe kana zvese izvi zvirongwa. Mari yavo mukati mezvirongwa inowanzove yakafanana kana yakafanana.

Mamwe makambani anopa Medigap muCalifornia anosanganisira:

• Aetna
• Nhetembo Bhuruu Muchinjikwa - California
• Blue Shield yekuCalifornia
• Cigna
• Yakabatanidzwa Inishuwarenzi Kambani yeAmerica
• Everence Association Inc.
• Bindu State
• Globe Hupenyu uye Njodzi Inishuwarenzi Kambani
• Hutano Net
• Humana
• Mutual weOmaha
• National Guardian
• National Hutano Inishuwarenzi Kambani
• Oxford
• Sentinel Security
• State Farm
• Inobudirira Zvemari kune maLuterans
• USAA
• United America
• UnitedHealthcare

Zvimwe zvirongwa zvinodawo kuti iwe ubhadhare muzana yemitengo yemasevhisi akafukidzwa pasi peChikamu B, pamwe neChikamu A chinobviswa.

Iko kune mitanhatu-mwedzi yakavhurika kunyoresa nguva iwe paunogona kuwana Medigap. Iyi nguva kazhinji inotanga pamakore makumi matanhatu nemashanu ekuberekwa uye zvinoenderana nekunyoresa kwako muMedare Chikamu B.

Munzvimbo zhinji dzenyika, ino ndiyo chete nguva yenguva yaunogona kunyoresa muchirongwa cheMedigap uye kuve nechokwadi chekuwana imwe, zvisinei nemhando dzipi dzehutano hwauinadzo.

Nekudaro, muCalifornia, iwe unobvumidzwa kuchinjira kune rakasiyana chirongwa cheMedigap ine yakavimbiswa nyaya mukati memazuva makumi matatu anotevera zuva rako rekuzvarwa gore rega, chero chirongwa chitsva chikakupa yakaenzana kana kushoma kufukidzwa pane yako yazvino Medigap chirongwa.

Ndeapi mazuva ekunyora ekunyorwa kwezvikamu zveMedare uye zvirongwa?

Nguva yakatarwa yekunyoresa kweMedare muCalifornia yakafanana neyavari mune imwe nyika, kunze kweMedigap, iyo ine dzimwe nguva dzekunyora.

Kutora

Medicare chirongwa cheinishuwarenzi chemubatanidzwa chinowanikwa muCalifornia kune avo vanokodzera. Medicare Kubatsira (Medicare Chikamu C) haiwanike mukati meese zip kodhi mudunhu. Nekudaro, yekutanga Medicare (zvikamu A neB), pamwe neMedicare Chikamu D neMedigap zviripo mumatunhu ese neZIP kodhi.

Ichi chinyorwa chakagadziriswa muna Gumiguru 6, 2020 kuratidza 2021 ruzivo rweMedare.

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.