Izvo Zvaunofanirwa Kuziva Nezve Medicare Chikamu C

Zvemukati

• Chii chinonzi Medicare Chikamu C?
• Iwe unoda Medicare Chikamu C?
• Iwe unokodzera here kune Medicare Chikamu C?
• Ndeapi maMedare Chikamu Chikamu C zvirongwa zviripo?
• Medicare Inobatsira HMO zvirongwa
• Medicare Kubatsira PPO zvirongwa
• Yakawanda sei iyo Medicare Chikamu C inodhura?
• Kana iwe usingade Medicare Chikamu C
• Kutora

Chii chinonzi Medicare Chikamu C?

Medicare Chikamu C, chinonziwo Medicare Advantage, ndeimwe inishuwarenzi sarudzo kune vanhu vane Original Medicare.

Nemishonga yekutanga, wakavharirwa Chikamu A (chipatara) uye Chikamu B (zvekurapa).

Medicare Chikamu C inopa kufukidzwa kwezvikamu A uye B kuwedzera mamwe masevhisi, senge mishonga yemishonga, mazino, kuona, nezvimwe.

Muchikamu chino, tichaongorora izvo Medicare Chikamu C inofanira kupa, zvakadii, uye kuti ungasarudza sei chirongwa chakanakisa chemamiriro ako.

Iwe unoda Medicare Chikamu C?

Medicare Chikamu C kufukidza ndeyekuwedzera Medicare kufukidza inopihwa kuburikidza nemakambani einishuwarenzi akazvimirira. Nechirongwa ichi, iwe unogona kuwana kufukidzwa kwemishonga yekunyorera, mazino uye ekuona masevhisi, uye mamwe masevhisi ane chekuita nezvehutano.

Uine iyo yakakodzera Medicare Chikamu C mabhenefiti, iwe uchave uine kufukidzwa kune anotevera:

• zvipatara, kuchengetwa kwenzvimbo yekuchengetedza, kuchengetwa kwehutano hwepamba, uye kutarisira varwere
• mabasa ekurapa ane chekuita nekudzivirira, kuongororwa, uye kurapwa kwemamiriro
• hutano hwepfungwa mabasa
• kunyorerwa zvinodhaka
• mazino, kuona, uye kunzwa mabasa
• sarudzo dzehutano dzakasarudzika, senge nhengo dzehutano

Kana iwe uchida zvinopfuura zvekutanga chipatara uye inishuwarenzi yekurapa, Medicare Chikamu C chinhu chakakosha kufukidza sarudzo.

Iwe unokodzera here kune Medicare Chikamu C?

Iwe unokodzera Medicare Chikamu C kana uchitova neMedare zvikamu A uye B, uye kana uchigara munzvimbo yebasa reMedare Chikamu C mupi wauri kufunga nezvake.

Muna 2021, vanhu vane chirwere chekupedzisira renal chirwere (ESRD) vanokodzera kunyoresa munzvimbo dzakasiyana siyana dzeMedicare Advantage zvirongwa nekuda kwemutemo wakapihwa neCongress. Pamberi pemutemo uyu, marongero mazhinji aisazokutambira kana kukuganhurira kune Special Needs Plan (SNP) kana iwe uine chirwere cheESRD.

• Kunyoreswa muMedicare kunoenderana nenguva uye kunofanirwa kutanga mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu. Unogona zvakare kunyorera Medicare pamwedzi waunosvitsa makore makumi matanhatu nemashanu uye nemwedzi mitatu uchitevera 65 yako.^th zuva rekuzvarwa - kunyangwe kufukidzwa kwako kuchanonoka.
• Kana iwe ukasuwa iyo yekutanga kunyoresa nguva, yakavhurika kunyoresa inomhanya kubva Gumiguru 15 kusvika Zvita 7 gore rega.
• Iwe unogona kusainira kwepakutanga Medicare online kuburikidza neSocial Security Administration webhusaiti.
• Iwe unogona kuenzanisa uye kutenga kune Medicare Chikamu C inoronga online kuburikidza neMedare's chirongwa chekutsvaga chishandiso.

Ndeapi maMedare Chikamu Chikamu C zvirongwa zviripo?

Nzira iri nyore yekuziva kuti ndeapi marongero e Medicare Chikamu C aripo kushandisa chishandiso cheMedicare:.

Iyo sisitimu inotora mhinduro dzako kune mimwe mibvunzo uye kudzikisira makambani anopa Medicare Chikamu C zvirongwa zvinokodzera zvaunoda. Ichi chishandiso cheMedare chinobatsira pakuenzanisa zvirongwa munzvimbo yako.

Kana iwe uchinge watogashira kufukidzwa kuburikidza nekambani hombe yeinishuwarenzi, inogona kupa Medicare Chikamu C zvirongwa. Mamwe emakambani makuru einishuwarenzi anopa Medicare Chikamu C ndeaya:

• Aetna
• Bhuruu Cross Bhuruu Shield
• Cigna
• HutanoPartners
• Kaiser Permanente
• SarudzaHutano
• UnitedHealthcare
• UPMC

Medicare Inobatsira HMO zvirongwa

Hutano Kugadziridza Sangano (HMO) zvirongwa zvakasarudzika kune avo vanoda kuwedzerwa kufukidzwa vasina kupihwa neyekutanga Medicare. Mune chirongwa cheMedicare Advantage HMO, unogona kuwana rubatsiro kubva kuchirongwa chako mu-network vatapi vehutano, asi iwe uchafanirwa kuwana kuendesa kuti uone nyanzvi.

Pane zvakawanda zvingasarudzwa zveMedare eAdvantage HMO zvirongwa mudunhu rega rega, kusanganisira zvirongwa zvine madhora 0 emadhora, hapana zvakabviswa, uye yakaderera kopi. Kuti unyore muchirongwa cheMedicare Chinobatsira HMO, unofanirwa kunge watove wakanyoreswa muMedicare yekutanga.

Medicare Kubatsira PPO zvirongwa

Vanosarudzika Vanopa Masangano (PPOs) ndiyo inonyanya kufarirwa chirongwa chekuchengetedza hutano sarudzo yekuwedzera kufukidzwa. Rudzi urwu rwechirongwa runobvumidza yakakura nhanho yerusununguko rwevatengi.

Uine chirongwa chePPO, unogona kuenda kuna vanachiremba vaunoda, mazvikokota, uye nzvimbo dzekuchengetedza hutano, kunyangwe ivo vari mune yako network network. Nekudaro, zvirongwa zvePPO zvinobhadharisa mareti akasiyana zvichienderana nerondedzero ye-mu-network kana vekunze-ve-network vanopa.

PPOs zvakare zvakareruka nekuti iwe haudi kuendeswa kuti uone nyanzvi.

Yakawanda sei iyo Medicare Chikamu C inodhura?

Kune akasiyana emitengo inosanganisirwa nechirongwa cheMedicare Chikamu C, zvinoreva kuti mari yako yekubuda muhomwe inogona kusiyana.

Mamwe marongero eMedicare Chikamu C anofukidza chikamu cheChikamu B chebhadharo pamwedzi. Nekudaro, zvimwe zvezvirongwa izvi zvakare zvine yavo yekutanga uye inobvisirwa.

Pamusoro peizvi zvinodhura, iwe zvakare unogona kuve nechikwereti checopayment panguva yekugamuchira masevhisi.

Zvimwe zvinhu zvinopa huwandu hwehurongwa hweMedare Chikamu C huchakubhadhara iwe unosanganisira:

• mhando yechirongwa chaunosarudza, senge HMO, PPO, PFFS, SNP, kana MSA
• mari yako yaunowana, iyo inogona kushandiswa kuona yako premium kana mari inobviswa
• yako muzana yemitengo
• kangani iwe unoda rubatsiro rwekurapa
• kunyangwe iwe uchigashira rubatsiro rwekurapa mu network kana kunze kwenetiweki
• kunyangwe iwe uchigamuchira rumwe rubatsiro rwemari, senge Medicaid

Kune zvakawanda zvakanakira kuva neMedare Chikamu C, kusanganisira chivharo chegore chekuti ungabhadhara zvakadii muhomwe. Zvakadaro, iyo yekutanga mari inogona kuwedzera pamusoro penguva usati warova iyo cap, saka zvakakosha kuti utarise zvese zvinhu pakusarudza yako Medicare Chikamu C chirongwa.

Kana iwe usingade Medicare Chikamu C

Kana iwe uchifara neyako yazvino Medicare kufukidzwa uye uchingofarira chete kupihwa kunyorerwa mishonga, iyo yakamira-yega Medicare Chikamu D chirongwa chingave chakanyanya kunaka sarudzo.

Kana iwe uine Medicare kufukidza asi uchingoda rubatsiro rwekuwedzera nemari, iyo Medicare yekuwedzera inishuwarenzi (Medigap) mutemo unogona kukushandira iwe.

Kune vamwe vanhu, Medicare Chikamu C ndeimwezve mari yavanotadza kuwana - mune iyi nyaya, kutenga kwakatenderedza Chikamu D uye kufukidzwa kweMedigap kunogona kubatsira kuchengetedza mari.

Kubatsira nhengo yemhuri kana shamwari kusarudza chirongwa cheMedicare Chikamu C inogona kuve nzira yakadzika, asi haifanire kunge yakaoma. Hezvino zvimwe zvinhu zvekutarisa kana uchiongorora zvirongwa:

• Rudzi rwekuvhara. Kana nhengo yemhuri yako ichifarira sarudzo dzekuvhara izvo zvisina kupihwa zvikamu A neB, edza kutsvaga chirongwa chinofukidza nzvimbo dzese dzakakosha kwavari.
• Rudzi rwehurongwa. Kusarudza iyo chaiyo mhando yeMedicare Chikamu C chirongwa zvakanyanya zvinoenderana nezvavanoda ivo. HMO, PPO, PFFS, SNP uye MSA hurongwa hwehurongwa hunofanirwa kutariswa.
• Kunze-kwe-muhomwe mari. Mari shoma inogona kuita kuti zviome kusangana neMedicare Chikamu C premium, inobviswa, uye kunze-kwehomwe mari. Edza kushopota kwakatenderedza mitengo yavanogona kutenga.
• Mamiriro ekurapa. Wese munhu ane hutano hwakasarudzika hunofanirwa kutariswa pakutenga kufukidzwa kweMedare. Funga nezve zvinhu zvakaita sehutano mamiriro, kugara uchifamba, uye zvaunofarira zvekupa.
• Zvimwe zvinhu. Mumwe wevanopfuura zviuru mazana masere vanobatsirwa vakaona kuti zvinhu zvakaita senge chikamu chemusika chesangano uye nyeredzi chiyero chakafungidzirwawo pakusarudza chirongwa cheMedicare Chikamu C.

Kutora

• Medicare Chikamu C inoronga, inozivikanwawo seMedicare Advantage zvirongwa, zvirongwa zveinishuwarenzi zvinosarudzika zvinopa mabhenefiti ezvekutanga uye zvekuwedzera zveMedare.
• Medicare Chikamu C isarudzo yakanaka kune vanhu vanofarira kufukidzwa kwemishonga yemishonga, chiratidzo uye mabasa emazino, nezvimwe.
• Mutengo weChikamu C chirongwa chinoenderana nezvinhu zvakasiyana siyana, zvinosanganisira mwedzi nemitengo yegore, macopayments, uye zvaunoda zvekurapa.
• Shanyira Medicare.gov kuti uwane chirongwa cheMedare Chikamu C chinoshanda kwauri.

Chinyorwa ichi chakagadziridzwa munaNovember 13, 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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