Medicare Inoshanda Sei Mushure meKurega Basa?

Zvemukati

• Medicare inoita sei mushure mekurega basa?
• Ko kana ukaramba uchishanda?
• Nguva yekunyora
• Kubhadharira Medicare mushure mekurega basa
• Mashandiro anoita Medicare nezvimwe zvirongwa
• Medicare zvirongwa mushure mekurega basa
• Chikamu A
• Chikamu B
• Mazuva Akakosha eMedare
• Chikamu C (Medicare Kubatsira)
• Chikamu D
• Medicare Supplement (Medigap)
• Kutora

• Medicare chirongwa chemubatanidzwa chinokubatsira iwe kubhadhara rubatsiro rwehutano kana uchinge wasvitsa makore makumi matanhatu nemashanu kana kana uine mamwe mamiriro ehutano.
• Haufanire kusaina paunosvitsa makore makumi matanhatu nemashanu kana ukaramba uchishanda kana uine zvimwe zvekufukidza.
• Kusayina kumusoro nguva kana kwete zvachose kunogona kukuchengetedza mari pamabhadharo emwedzi nemwedzi asi zvinogona kudhura zvakanyanya muzvirango gare gare.
• Kuronga usati waenda pamudyandigere kunogona kukubatsira kuti usabhadhara zvakanyanya kubhadhara hutano paunenge uchirega basa.

Medicare chirongwa cheinishuwarenzi chehutano cheveruzhinji icho iwe chaunokodzera iwe kana uchinge wasvitsa makore makumi matanhatu nemashanu ekuberekwa. Iyi inogona kunge iri zera rekurega basa kune vamwe vanhu, asi vamwe vanosarudza kuramba vachishanda nekuda kwezvikonzero zvakawanda, zvese zvemari uye zvemunhu.

Kazhinji, iwe unobhadhara Medicare mumitero mukati memakore ako ekushanda uye hurumende yemubatanidzwa inotora chikamu chemitengo. Asi zvimwe zvikamu zvechirongwa zvichiri kuuya nemubhadharo wepamwedzi uye zvimwe zvekubuda muhomwe.

Ramba uchiverenga kuti ubatsirwe kusarudza nguva yekunyorera Medicare. Tichaongorora zvakare kuti izvo zvingashanduke sei kana ukasarudza kuramba uchishanda, zvazvichada, uye maitiro ekudzivirira zvirango kana ukanonoka kunyoresa.

Medicare inoita sei mushure mekurega basa?

Zera rekurega basa haisi nhamba yakaiswa mumatombo. Vamwe vanhu vanogona kuve nesarudzo yekurega basa kare, nepo vamwe vachida - kana kuda - kuti varambe vachishanda. Avhareji zera rekurega basa muUnited States muna 2016 yaive makumi matanhatu nemashanu evarume uye makumi matatu nematatu evakadzi.

Kunyangwe paunenge uchironga kuenda pamudyandigere, Medicare yakasarudza makore makumi matanhatu nemashanu senzvimbo yekutangira yemubatanidzwa hutano hwako mabhenefiti. Medicare haisi yehunyanzvi inosungirwa, asi unogona kusangana nemitengo yakakosha kana ukaramba kunyoresa. Iwe unogona zvakare kutarisana nekuwedzera mari uye zvikwereti kana iwe ukafunga kunonoka kunyoresa.

Kana iwe ukasarudza kuenda pamudyandigere nguva diki diki, unenge uri wega kuitira kufukidzwa kwehutano kunze kwekunge uine nyaya dzehutano. Zvikasadaro, iwe unorayirwa kusaina kuchirongwa cheMedare mumwedzi mishoma pamberi kana mushure mekuzvarwa kwako makumi matanhatu nemashanu. Kune mimwe mirau yakatarwa uye nguva dzakatarwa dzehurongwa hwakasiyana-siyana hweMedare, idzo dzakatsanangurwa gare gare muchinyorwa.

Ukaramba uchishanda mushure memakore makumi matanhatu nemashanu, mitemo yakasiyana inoshanda. Sei uye kana iwe uchizosaina zvinoenderana nemhando ipi yeinishuwarenzi yekuvhara iwe yaunayo kuburikidza newaunoshandira.

Ko kana ukaramba uchishanda?

Kana iwe ukasarudza - kana kuda - kuti urambe uchishanda mushure mekusvika pazera rekurega basa, sarudzo dzako dzekuti uye sei kusaina kuMedicare dzinogona kusiyana.

Kana iwe uine hutano hwekuchengetwa kubva kune waunoshandira, unogona kuramba uchishandisa iyo inishuwarenzi yehutano. Nekuti iwe unobhadhara Medicare Chikamu A mumitero mukati memakore ako ekushanda, vanhu vazhinji havabhadhare mari yemwedzi wega kana kufukidzwa kwavo kwatanga.

Iwe unowanzo kuve wakanyoreswa muChikamu A paunosvitsa makore makumi matanhatu nemashanu ekuberekwa. Kana usiri, hazvidhuri chinhu kusaina. Kana iwe uine inishuwarenzi yekuchengetwa muchipatara kuburikidza newaunoshandira, ipapo Medicare inogona kushanda semubhadhari wechipiri wemitengo isina kuvharwa pasi pehurongwa hweinishuwarenzi yako.

Zvimwe zvikamu zveMedare zvine nguva dzekunyora - uye zvirango kana ukasaina kusaina panguva iyoyo. Kana iwe uine chirongwa cheinishuwarenzi kuburikidza newaunoshandira nekuti iwe uchiri kushanda, iwe unogona kukodzera kusaina kunonoka pasi peyakafanira nguva yekunyoresa uye unzvenga chero zvirango.

Kurukurai hurongwa hwenyu hwekurega basa musati maenda pamudyandigere nemubatsiri wemubatsiri pabasa renyu kuti anyatsoziva nguva yekusaina Medicare. Ivo vanogona zvakare kukupa iwe matipi ekuti ungadzivise sei zvikwereti kana zvimwe zvekuwedzera mari.

Nguva yekunyora

Paunosarudza kunyoresa muMedare zvinoenderana nezvinhu zvinoverengeka.

• Kana iwe watove pamudyandigere uye wave kusvika kune yako 65th zuva rekuzvarwa, iwe unofanirwa kuronga kunyoresa kuMedare nekukurumidza kana iwe uchinge uchikodzera kudzivirira kunonoka kunyoreswa zvirango.
• Kana iwe uchiri kushanda uye uine inishuwarenzi kuburikidza newaunoshandira, unogona achiri kusarudza kutora chikamu muChikamu A nekuti pamwe haufanire kubhadhara mari yepamberi. Iwe unogona, zvakadaro, uchida kumirira kusaina mamwe mapurogiramu eMedare ayo anokubhadharisa iwe pamwedzi mari uye maprimiyamu.
• Vanhu vanoramba vachishanda uye vane inishuwarenzi yehutano kuburikidza newavanoshandira, kana vane murume kana murume anoshanda ane hutano hweinishuwarenzi yehutano, vanowanzo kodzera nguva dzakakosha dzekunyoresa uye vanogona kudzivirira kubhadhara kunonoka kunyoresa zvikwereti.
• Kunyangwe iwe uine inishuwarenzi kuburikidza nehurongwa hwevashandirwi, iwe ungangoda kufunga nezvekutanga kufukidzwa kweMedare nekuti inogona kuvhara mari isina kubhadharwa nechirongwa chako chekutanga.

Kamwe kana wako (kana murume / mukadzi wako) basa kana inishuwarenzi kufukidza kwapera, une mwedzi misere yekunyoresa kuMedare kana iwe wakasarudza kunonoka kunyoresa.

Kuti udzivise zvikwereti zvekunonoka kunonoka, chingononoka kunyoresa muMedare kana iwe uchizokodzera nguva yakakosha yekunyora. Kana iwe usingakwanise, yako yekunonoka kunyoresa chirango ichagara kwenguva yekureba kwako Medicare kufukidzwa.

Kubhadharira Medicare mushure mekurega basa

Vanhu vazhinji havabhadhare mari yemwedzi neChikamu A, asi iwe uchatofanira kuronga kubhadhara chikamu chemari yako yekurapa varwere kana uchinge wapinzwa kuchipatara kuti utarisirwe.

Zvimwe zvikamu zveMedare, sechikamu B, zvinouyawo nemitengo inogona kuwedzera. Iwe unozofanirwa kubhadhara maprimiyamu emwedzi nemwedzi, macopayments, coinsurance, uye zvakaderedzwa. Muna 2016, avhareji Medicare akanyoreswa akabhadhara madhora zviuru mazana mashanu nemazana mana nemakumi mana pagore pamari yehutano, maererano neKaiser Family Foundation. Pamari iyoyo, $ 4,519 yakaenda kumaprimiyamu uye mabasa ehutano.

Iwe unogona kubhadhara maprimiyamu uye imwe Medicare mutengo munzira dzinoverengeka. Kunyangwe iwe uchigona kubhajeta uye chengetedza hutano muhupenyu hwako hwese, mamwe mapurogiramu anogona kubatsira:

• Kubhadhara neSocial Security. Iwe unogona kuve nemari yako yeMedicare yakabviswa yakananga kubva kune yako Social Security mabhenefiti. Uyezve, kumwe kudzivirirwa kunogona kuchengetedza yako yekutanga kukwira kubva pamusoro pekupfuura yako mutengo wekuwedzera kuwedzera kubva kuSocial Security. Izvi zvinozivikanwa sekubata kusingakuvadzi kupihwa, uye zvinogona kukuchengetedza mari gore rega rega pane ako maprimiyamu.
• Zvirongwa zveMedare Ekuchengetedza. Aya mapurogiramu ehurumende anoshandisa Medicaid madhora uye imwe mari yekubatsira iwe kubhadhara yako Medicare mutengo.
• Yakawedzera Rubatsiro. Iyo Yekuwedzera Rubatsiro chirongwa chinopa yakawedzera rubatsiro kubhadharira mishonga yekunyorera pasi peChikamu D.
• Usanonoka kunyoresa kwako. Kuti uchengetedze mari yakawanda pamitengo yako yeMedare, ita shuwa kuti iwe unokodzera iyo chaiyo yekunyoresa nguva usati wanonoka kusaina.

Mashandiro anoita Medicare nezvimwe zvirongwa

Kana iwe kana mumwe wako mukaramba muchishanda, kana iwe uine wakasiya basa kana wega-yakazvimiririra yeinishuwarenzi yehutano chirongwa, unogona kushandisa izvi padhuze neMedare yako kubatsirwa. Boka rako rinoronga uye Medicare inozopepeta kuti ndeupi mubhadharo wekutanga uye ndeupi wechipiri anobhadhara. Kuvhara mitemo kunogona kusiyana zvichienderana nehurongwa hwakaitwa nemubhadharo uye yako yega marongero miganho.

Kana iwe uine mushandirwi-based inishuwarenzi chirongwa uye iwe zvakare wakanyoreswa muMedare, wako wega kana weboka inishuwarenzi mupi anowanzo kuve wekutanga kubhadhara. Medicare inozove iyo yechipiri kubhadhara, kuvhara mari iyo imwe hurongwa haibhadhari. Asi nekuda kwekuti une Medicare semubhadhari wechipiri hazvireve kuti zvichavhara zvese zvako zvasara zvehutano.

Kana iwe uri pamudyandigere asi uine kufukidza kuburikidza nehurongwa hwekurega basa kubva kune waimbova mushandirwi, saka Medicare inowanzo shanda semubhadharo wekutanga. Medicare inozobhadhara yako yakavharwa mari kutanga, ipapo hurongwa hwako hwekurega basa huchabhadhara izvo zvinovhara.

Medicare zvirongwa mushure mekurega basa

Zvirongwa zveMedare zvinogona kubatsira kuvhara zvaunoda zvehutano mukati memakore ako ekurega basa. Hapana chimwe chezvirongwa izvi chinosungirwa, asi kusarudza kunze kunogona kuve nemhedzisiro. Uye kunyangwe ivo vari sarudzo, kunonoka kunyoresa kunogona kukubhadhara.

Chikamu A

Chikamu A ndicho chikamu cheMedare chinofukidza yako yekurapa kwevarwere uye muchipatara mari. Vanhu vazhinji vanokodzera Chikamu A pasina mubhadharo wemwedzi wega wega, asi zvimwe zvinodhura senge macopayments uye zvakabviswa zvichiri kushanda.

Kunyoresa muChikamu A kunowanzoitika, asi mune zvimwe zviitiko, ungatofanira kuzvinyoresa. Kana iwe uchikodzera uye usina kungonyoresa wega, kusainira Chikamu A kunonoka kuchakubhadharira imwezve ye10 muzana yemubhadharo wako wemwedzi wepiri zvakapetwa huwandu hwemwedzi waunonoka kusaina.

Chikamu B

Ichi chikamu cheMedare chinobhadhara kunze kwekurapwa mabasa sekushanya nachiremba wako. Medicare Chikamu B kunyoreswa kwekutanga kunofanira kuitika mumwedzi mitatu pamberi kana mushure mekuzvarwa kwako makumi matanhatu nemashanu.

Iwe unogona kudzora kunyoreswa kana ukasarudza kuenderera mberi nekushanda kana kuve nezvimwe zvekufukidza, uye iwe unogona kukwanisa kudzivirira zvirango kana iwe uchikodzera iyo yakakosha kunyoresa nguva. Iko kune zvakare kunyoresa kwakawanda uye yakavhurika kunyoresa nguva dzeMedare Chikamu Chikamu B.

Kana iwe ukasaina kunonoka kune Chikamu B uye usingakwanise kune yakakosha kunyoresa nguva, yako premium ichawedzerwa ne10 muzana pamwedzi wega wega wemwedzi gumi nemaviri iwe wanga usina Chikamu Chikamu B. Iyi chirango inowedzerwa kune yako Chikamu B premium kune iyo nguva yako Medicare Chikamu B kufukidzwa.

Mazuva Akakosha eMedare

• Kutanga kunyoresa. Iwe unogona kuwana Medicare apo iwe unosvika kune yako 65th zuva rekuzvarwa. Kutanga kunyoresa inguva yemwedzi minomwe inotanga mwedzi mitatu usati watendeuka makore makumi matanhatu nemashanu uye inopera mwedzi mitatu mushure. Kana iwe urikushandira parizvino, unogona kuwana Medicare mukati memwedzi misere mushure mekurega basa kana mushure mekusarudza kunze kweye wako mushandi wehurongwa hweinishuwarenzi yehutano uye uchidzivirira zvirango Iwe unogona zvakare kunyoresa muMedigap chirongwa chero nguva panguva yemwedzi mitanhatu-nguva iyo inotanga neye 65th yako yekuzvarwa.
• Kunyoresa kwakawanda. Kune avo vanopotsa kunyoreswa kwekutanga, kuchine nguva yekunyorera Medicare kubva muna Ndira 1 kusvika Kurume 31 gore rega. Asi iwe unogona kupihwa mhosva nechirango chinoramba chiripo-kunyoresa kana ukasarudza iyi sarudzo. Munguva ino, iwe unogona zvakare kushandura kana kudonhedza yako iripo Medicare chirongwa kana kuwedzera chirongwa cheMedigap.
• Vhura kunyoresa. Unogona kushandura hurongwa hwako hwazvino chero nguva kubva Gumiguru 15 kusvika Zvita 7 pagore.
• Kunyoreswa kweMedare-kuwedzera. Kubva Kubvumbi 1 kusvika Chikumi 30 iwe unogona kuwedzera Medicare Chikamu D chinyoreso chemishonga kufukidza kune yako yazvino Medicare kufukidza.
• Kunyorwa kwakakosha. Kana iwe uine chiitiko chinokodzera, kusanganisira kurasikirwa kwehutano kufukidzwa, kuenda kune imwe nzvimbo yekuvhara nzvimbo, kana kurambana, unogona kukodzera kunyoresa muMedare pasina chirango kwemwedzi misere zvichitevera chiitiko ichi.

Chikamu C (Medicare Kubatsira)

Medicare Chikamu C chigadzirwa cheinishuwarenzi chakazvimiririra chinobatanidza zvese zvikamu zvezvikamu A neB, pamwe nezvimwe zvirongwa zvekuzvisarudzira senge Chikamu D. Sezvo ichi chiri chigadzirwa chakasarudzika, hapana chirango chekunonoka kunonoka kana chinodiwa kusaina Chikamu Chikamu. Zvirango kubhadhariswa kunonoka kunyoresa muzvikamu A kana B mumwe nemumwe anogona kunyorera.

Chikamu D

Medicare Chikamu D ndiyo inonyorwa mushonga unopihwa neMedicare. Iyo yekutanga kunyoresa nguva yeMedare Chikamu D yakafanana nechero zvimwe zvikamu zveMedare.

Ichi chirongwa chakasarudzika, asi kuchine chirango kana ukasaina kusaina mukati memwedzi mishoma yekuberekwa kwako makumi matanhatu nemashanu. Ichi chirango chikamu che1 muzana yeavhareji yemwedzi pamushonga wepremiamu mutengo, wakawedzerwa nenhamba yemwedzi yausina kunyoreswa mushure mekunge iwe watanga kuve unokodzera. Ichi chirango hachiendi uye chinowedzerwa kune yako yekutanga mwedzi wega wega kwenguva yekuvhara kwako.

Medicare Supplement (Medigap)

Medicare Supplement, kana Medigap, zvirongwa zvinosarudzika zvakavanzika zveinishuwarenzi zvigadzirwa zvinobatsira kubhadhara mari yeMedare iwe yaunowanzo kubhadhara muhomwe. Aya marongero anosarudzika uye hapana zvirango zvekusaina kusaina; zvisinei, iwe unowana mutengo wakanakisa pane aya marongero kana iwe ukasaina panguva yekutanga kunyoresa nguva inomhanya kwemwedzi mitanhatu mushure mekusvitsa makore makumi matanhatu nemashanu ekuberekwa.

Kutora

• Hurumende yemubatanidzwa inobatsira kutsigira mari yehutano hwako kuburikidza nezvirongwa zvakasiyana zveMedare mushure memakore makumi matanhatu nemashanu.
• Kana iwe uchiramba uchishanda, unogona kunonoka kunyoresa muzvirongwa izvi kana kubhadhara kune yako hutano hutano kuburikidza nemubatanidzwa weveruzhinji uye wakasarudzika kana mushandirapamwe-based zvirongwa
• Kunyangwe nezvirongwa izvi, unogona kunge uine chekuita nechikamu chemubhadharo wehutano hwako.
• Ronga kumberi kwehutano mukutora kwako basa kuti udzivise mari yakakwira kana kunonoka kunyoresa zvikwereti, kunyanya sezvavanoshanda kuzvirongwa zveMedare.

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.