Chii chinonzi Medicare?

Zvemukati

• Medicare inoshanda sei?
• Ndezvipi zvikamu zveMedare?
• Chikamu A (kuiswa muchipatara)
• Chikamu B (zvekurapa)
• Chikamu C (Medicare Kubatsira)
• Chikamu D (zvirevo)
• Medicare yekuwedzera (Medigap)
• Maitiro ekuwana Medicare
• Matipi ekusarudza chirongwa cheMedare
• Kutora

• Medicare iri inishuwarenzi yakapihwa mari yeinishuwarenzi kune vanhu makumi matanhatu nemashanu kana kupfuura uye vanhu vane chirwere chisingaperi kana hurema.
• Medicare inopa akawanda akasiyana einishuwarenzi sarudzo kuti ubatsire kuzadzisa zvaunoda.
• Kugadzira rondedzero yemamiriro auinayo, mishonga yaunotora, uye vanachiremba vaunoona vanogona kukubatsira kusarudza zvirongwa zveMedare.

Inishuwarenzi inogona kuve inodhura, uye kuyedza kuona zvese zvehutano zvehutano zvaunogona kuwana zvinogona kunetesa uye kunetesa.

Kunyangwe iwe uri mutsva kuMedicare kana uchingofarira kugara uine ruzivo, hezvino izvo zvaunoda kuti uzive nezve hwaro hweiyi federal chirongwa cheinishuwarenzi chirongwa.

Medicare inoshanda sei?

Medicare chirongwa cheinishuwarenzi chehutano chinotsigirwa nehurumende chinopa kurapwa kwevanopfuura makore makumi matanhatu nemashanu. Unogona kuve unokodzera Medicare kana iwe:

• ndine hurema uye ndanga ndichiwana rubatsiro rwemagariro ekuremara kwemagariro kwemakore maviri
• vane pension yekuremara kubva kuRailroad Retirement Board
• ndine chirwere chaLou Gehrig (ALS)
• vane itsvo kutadza (yekupedzisira-nhanho renal chirwere) uye vanogashira dialysis kana vakaitwa renal kuisirwa

Iyi inishuwarenzi yehutano inogona kushandiswa seinishuwarenzi yekutanga kana sekuwedzera, yekuchengetedza yekuvhara. Medicare inogona kushandiswa kubatsira kubhadhara kurapwa uye kurapwa kwenguva refu, asi inogona kunge isingavhare mari dzako dzese dzekurapa.

Inobhadharwa nemitero uye, mune dzimwe nguva, maprimiyamu anotorwa kubva kune ako masocial security cheki kana aunobhadhara.

Ndezvipi zvikamu zveMedare?

Medicare yakagadzirirwa kuvhara zvido zvako zvekurapa zvakakosha, sekugara kwechipatara uye kushanya kwachiremba. Chirongwa ichi chakaumbwa nezvikamu zvina: Chikamu A, Chikamu B, Chikamu C, uye Chikamu D.

Chikamu A uye Chikamu B dzimwe nguva chinonzi chepakutanga Medicare. Idzi zvikamu zviviri zvinopa ruzhinji rweakakosha masevhisi.

Chikamu A (kuiswa muchipatara)

Medicare Chikamu A chinofukidza kutarisira kwako chipatara, kusanganisira akasiyana mabasa ane chekuita nechipatara. Yakawanda yekutarisira kwako kune chekuita nekurapa inovharwa neChikamu A kana uchifanirwa kuenda kuchipatara seanorwara. Chikamu A chinofukidzawo kutarisira varwere kune avo vanorwara zvakaipisisa.

Kune vanhu vazhinji vane mari shoma, panenge pasisina maprimiyamu. Vanhu vane mari yepamusoro vangatofanira kubhadhara mari shoma pamwedzi pachirongwa ichi.

Chikamu B (zvekurapa)

Medicare Chikamu B inovhara kurapwa kwako kwese uye kurapwa kwekunze kwaungangoda kuti ugare uine hutano, kusanganisira:

• chikamu chakakura chekudzivirira mabasa
• zvekurapa (zvinozivikanwa semidziyo yekurapa yakasimba, kana DME)
• mhando dzakasiyana dzebvunzo uye kuongorora
• hutano hwepfungwa mabasa

Iko kune kazhinji mubhadharo werudzi urwu rweMedicare kufukidza, zvichibva pamari yako.

Chikamu C (Medicare Kubatsira)

Medicare Chikamu C chinonziwo Medicare Advantage, hachisi chinhu chakasiyana chekubatsira kurapwa. Chipo chinobvumidza makambani einishuwarenzi akazvimirira anotenderwa kupa zvirongwa zveinishuwarenzi kuvanhu vakanyoreswa muZvikamu A naB.

Aya marongero anovhara ese mabhenefiti uye masevhisi ayo zvikamu A uye B anovhara. Vanogona zvakare kupa mamwe mabhenefiti, akadai sekunyorerwa mishonga, mushonga wemazino, kuona, kunzwa, uye mamwe masevhisi. Medicare Kubatsira zvirongwa zvinowanzo kuve nemari yekuwedzera yakadai semakopayiti uye zvakabviswa. Mamwe marongero haana maprimiyamu, asi kana chirongwa chaunosarudza chiine mari yepamberi, inogona kubvisirwa cheki yako yekuchengetedza chengetedzo.

Chikamu D (zvirevo)

Medicare Chikamu D inovhara mishonga yemishonga. Mutengo kana mubhadharo wechirongwa ichi zvinoenderana nemari yako yaunowana, uye ako macopayments uye anodhonzwa anoenderana nerudzi rwemishonga yaunoda.

Medicare inopa rondedzero, inonzi formulary, yemishonga chimwe nechimwe Chikamu D chirongwa chinofukidza kuitira kuti iwe uzive kana mishonga yaunoda yakavharwa nezano rauri kufunga.

Medicare yekuwedzera (Medigap)

Kunyangwe hazvo Medicare yekuwedzera isiri kudaidzwa kuti "chikamu," ndeimwe yemhando shanu dzemhando yepamusoro yeMedicare inishuwarenzi yaunofunga nezvayo. Medigap inoshanda neyekutanga Medicare uye inobatsira kuvhara kunze-kwe-muhomwe mari iyo yekutanga Medicare isingaiti.

Medigap inotengeswa nemakambani akazvimirira, asi Medicare inoda kuti nyika zhinji dzipe kufukidzwa kwakafanana. Pane gumi zvirongwa zveMedigap zviripo: A, B, C, D, F, G, K, L, M, uye N. Chirongwa chega chega chakati siyanei pane zvakatarwa nezvazvinofukidza.

Dai iwe wakatanga kukodzera kuMedare mushure meNdira 1, 2020, hauna kukodzera kutenga zvirongwa C kana F; asi, kana iwe waive unokodzera risati rasvika iro zuva, unogona kuzvitenga. Medigap Chirongwa D uye Chirongwa G parizvino zvinopa kufukidzwa kwakafanana sezvirongwa C naF.

Maitiro ekuwana Medicare

Iwe unozongo nyorwa muchirongwa kana iwe uri kutogashira magariro ekuchengetedza. Kana usiri kutogamuchira mabhenefiti, unogona kubata hofisi yekuchengetedzwa kwevanhu kusvika pamwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu kuti unyore.

Iyo Social Security Administration inobata kunyoreswa kweMedare. Pane nzira nhatu dziri nyore dzekushandisa:

• uchishandisa iyo Medicare online kunyorera paSocial Security Administration webhusaiti
• kufonera iyo Social Security Administration pa1-800-772-1213 (TTY: 1-800-325-0778)
• kushanyira hofisi yako yemunharaunda yeSocial Security

Kana iwe uri pamudyandigere wevashandi vezvitima, bata iyo Railroad Retirement Board ku1-877-772-5772 (TTY: 1-312-751-4701) kunyoresa.

Matipi ekusarudza chirongwa cheMedare

Paunenge uchisarudza iyo Medicare sarudzo kuti uwane zvaunoda zvehutano, zvakakosha kuti utarise zvaunoda zvehutano. Heano matipi mashoma ekusarudza chirongwa kana musanganiswa wezvirongwa zvekushandira iwe:

• Edza kufungidzira kuti wakashandisa marii pakurapwa gore rakapfuura nenzira iyo iwe unogona kufungidzira zvirinani kuti ndeapi marongero achakuchengetera mari.
• Nyora mamiriro ako ekurapa kuitira kuti uve nechokwadi chekuti akafukidzwa nezvirongwa zvaunofunga.
• Nyora vanachiremba vauri kuona iyezvino uye bvunza kana vachigamuchira Medicare kana kuti ndeapi maNational Maintenance Organisation (HMO) kana maPreferred Provider Organisation (PPO) maratidziro avanogona kunge vari.
• Nyora chero kurapwa kana zvipatara zvaungangoda mugore rinouya.
• Cherekedza chero imwe inishuwarenzi yauinayo, kana uchikwanisa kuishandisa neMedare, uye maitiro ekupedzisa kufukidza kwacho kana zvichidikanwa.
• Iwe unoda here basa remazino, kupfeka magirazi kana rubatsiro rwekunzwa, kana iwe ungade imwe yekuwedzera kufukidza?
• Iwe kana uri kuronga kuenda kunze kwenzvimbo yako yekuvhara kana kunze kwenyika?

Zvese izvi zvinhu zvinogona kukubatsira iwe kusarudza kuti ndezvipi zvikamu zveMedare zvinogona kunyatso kusangana nezvako uye ndeupi munhu anoronga kufunga nezvazvo.

Nepo Medicare yekutanga Medicare ichipa kufukidzwa kwemazhinji masevhisi, kwete ese mamiriro ekurapa akafukidzwa. Semuenzaniso, kuchengetwa kwenguva refu hakufungidzirwe sechikamu cheMedare. Kana iwe uchida kutarisirwa kwenguva refu, funga nezveMedicare Advantage kana chirongwa cheMedigap icho chingangopa mashoma mabhenefiti ekuchengetedza kwenguva refu.

Sezvo madhiragi ekurapa asina kufukidzwa neyekutanga Medicare, kana iwe uchida mushonga wekuvhara mishonga, iwe unofanirwa kunyoresa muMedicare Chikamu D kana Medicare Advantage, iyo inopa zvirongwa zvinofukidza mimwe mishonga yemishonga.

Kutora

• Kuziva kuti ndeapi marongero akakukodzera zvinoenderana nemari yako yaunowana, hutano hwese, zera, uye nerudzii rwekuchengetwa kwauchazoda. Zviri nani kuverenga kuburikidza nemasevhisi uye marongero nokungwarira uye sarudza mapurani anoshanda zvakanyanya kwauri.
• Nguva dzekunyoresa dzakatemerwa kune zvimwe zvirongwa, saka ive shuwa kuti unosaina kuitira kuti iwe urege kuwana mukaha mukuvhara.
• Kana iwe uine hanya nezvekuti sevhisi yako yaunoda yakavharwa neMedare, unogona kutaura bvunza chiremba wako, tsvaga iyo Medicare Coverage Databheki pamhepo pawww.cms.gov/medicare-coverage-database/, kana kubata Medicare pa1-800- MEDICARE (1-800-633-4227).