Medicare Inopa Wako Wako Kuvhara?

Zvemukati

• Ndeipi mitemo ine chekuita nekufukidzwa kweMedare uye vakaroora?
• Ko kana mumwe wangu ari mukuru kwandiri, uye ivo vachizadzisa makumi mana emakota anodikanwa?
• Ko kana mumwe wangu ari mukuru kwandiri, uye ini ndikasangana ne makumi mana emakota anodikanwa?
• Pane here mimwe mitemo yemumwe kana mabhenefiti?
• Ndezvipi zvikamu zveMedare zvandinogona kugovana nemumwe wangu?
• Ndezvipi zvakakosha zveMedare?
• Ndeipi nguva yekukodzera yeMedare?
• Mazuva akakosha eMedare
• Kutora

Medicare inzira yeinishuwarenzi yega, asi pane nguva apo kukodzera kwemumwe kana murume kunogona kubatsira mumwe kuwana mamwe mabhenefiti.

Zvakare, huwandu hwemari iyo iwe nemumwe wako munoita kusanganiswa inogona kukanganisa yako Medicare Chikamu B mari yemishuwarenzi.

Ramba uchiverenga kuti uone kuti iwe kana mumwe wako mungakwanise sei kuwana Medicare zvichibva pane nhoroondo yebasa nezera.

Ndeipi mitemo ine chekuita nekufukidzwa kweMedare uye vakaroora?

Medicare inobatsira kune vanhu vakashanda uye vakabhadhara Social Security mutero kwemakumi mana emakumi mana emakota ebasa, ayo angangoita makore gumi.

Kana mukwanyina wemunhu akashaya, vanogona vachiri kukodzera Medicare Chikamu A zvichibva pavakashanda nhoroondo yevavo kana vasvitsa makore makumi matanhatu nemashanu.

Kuti uwane chikamu cheMedare Chikamu A mabhenefiti pazera remakore makumi matanhatu nemashanu zvichibva pane nhoroondo yebasa remumwe wako, unofanira kusangana nechimwe chezvinodiwa zvinotevera:

• Iwe wakaroorwa kune wako kana mukadzi uyo anokodzera Social Security mabhenefiti kweinenge gore rimwe usati wanyorera Social Security mabhenefiti.
• Iwe wakarambana, asi wakaroorwa kune wawakaroorana naye kweanenge makore gumi anokodzera Social Security mabhenefiti. Iwe unofanirwa kuve usina kuroora kunyorera maMedare mabhenefiti.
• Iwe uri chirikadzi, asi wakaroora kweinenge mwedzi mipfumbamwe murume wako asati afa, uye ivo vakakodzera kuSocial Security mabhenefiti. Unofanira kunge usina kuroora.

Kana iwe usina chokwadi kuti unosangana nechimwe chinodiwa, unogona kubata Social Security Administration nekufonera 800-772-1213. Iwe unogona zvakare kushanyira Medicare.gov uye shandisa avo vanokodzera Calculator.

Ko kana mumwe wangu ari mukuru kwandiri, uye ivo vachizadzisa makumi mana emakota anodikanwa?

Kana mumwe wako ari mukuru kwauri, ivo vanokodzera rubatsiro rweMedare pazera remakore makumi matanhatu nemashanu.

Iwe unogona kuwana mabhenefiti eMedare zvishoma pakutanga kana iwe uine makore makumi matanhatu nemaviri, wakaroora kune mumwe munhu ane makore makumi matanhatu nemashanu, uye akashandawo makumi mana emakota uye iwe wakabhadhara Medicare mutero.

Kana iwe ukasasangana nezvinodiwa izvi, unogona kukwanisa kukodzera Medicare Chikamu A, asi uchafanirwa kubhadhara chikamu chePrimiyamu kusvika iwe uine makore makumi matanhatu nemaviri.

Kana iwe usina kushanda kana kusangana ne makumi mana emakota anodikanwa, iwe ungatofanira kumirira kusvika zera makumi matanhatu nemashanu kuti ugamuchire kufukidzwa pasi pemubatsiro wemumwe wako.

Ko kana mumwe wangu ari mukuru kwandiri, uye ini ndikasangana ne makumi mana emakota anodikanwa?

Zvino ngatitarisei kana mumwe wako akura kupfuura iwe newawakaroorana naye musina kuzadzisa makumi mana emakota anodikanwa, asi iwe unodaro.

Paunosvitsa makore makumi matanhatu nemaviri uye wawakaroorana naye ava nemakore makumi matanhatu nemashanu, mumwe wako anogona kazhinji kuwana mabhenefiti-emahara Medicare mabhenefiti.

Kusvikira iwe wava nemakore makumi matanhatu nemaviri, mumwe wako anogona kugamuchira Medicare Chikamu A, asi achafanira kubhadhara maprimiyamu kana vakasasvitsa makota makumi mana ebasa rinodiwa.

Pane here mimwe mitemo yemumwe kana mabhenefiti?

Izvo zvakakosha kuti uzive kuti kana mumwe wako akarasikirwa neakavanzika kana mushandi-anoshanda inishuwarenzi uye iwe usati wave nemakore makumi matanhatu nemashanu, kuchine zvirongwa zveinishuwarenzi zvinogona kukubatsira.

Iwe unogona kubata yako State Health Inishuwarenzi Rubatsiro Chirongwa (SHIP) kuti ugamuchire mahara ehutano hwekuvhara counselling.

Unogona kuziva kana yako yemari mwero kana hutano zvinokodzera iwe kune mamwe federal rubatsiro zvirongwa senge Medicaid.

Ndezvipi zvikamu zveMedare zvandinogona kugovana nemumwe wangu?

Mabhenefiti emumwe mukadzi anoshanda chaizvo kuChikamu A cheMedare (ramba uchiverenga kuti uwane tsananguro yezvinhu zvese zvinovhara).

Iwe haugone kutenga kufukidzwa kwevaviri kune chero chimwe chikamu cheMedare. Iwe unofanirwa kubhadhara kune imwe yega zvikamu pane yako wega mutemo.

Nekudaro, zvakakosha kuti utarise zvese zvaunogona kuita pakubata kweMedare uye chii chinoshanda zvakanyanya pane zvaunoda. Imwe yesarudzo idzi Medicare Advantage (Chikamu C), iyo inosunga zvese Chikamu A uye Chikamu B pamwechete uye inopa yakawedzera kufukidza uye mabhenefiti.

Kana kuwedzerwa kufukidzwa, senge mazino, kuona, kana kunzwa kwekunzwa, kwakakosha kuchengetedza hutano hwako, funga kuti mushonga wekutanga Medicare kana Medicare Advantage unoshanda zvakanyanya kwauri.

Ndezvipi zvakakosha zveMedare?

Hurumende yemubatanidzwa yakagadzira Medicare kuti ive senge "a la carte" menyu uko iwe kwaunogona kusarudza dzakasiyana mhando dzekuvhara.

Aya marudzi ekuputira anosanganisira:

• Chikamu A. Chikamu A chinopa kufukidzwa kwekugara muchipatara kwevarwere uye nemasevhisi ane hukama vari muchipatara, sekudya, mishonga, uye kurapwa kwemuviri.
• Chikamu B. Chikamu B chinopa kunze kwekurapwa kwekurapa kwekushanya kwachiremba uye nehukama hwevarwere vekunze. Iwe unofanirwa kubhadhara mari yepamwedzi yemubhadharo webasa iri, uye zvinoenderana nekuti iwe nemumwe wako munoita zvakadii pagore.
• Chikamu C. Chikamu C chinonziwo Medicare Advantage. Aya marongero emhando anosanganisa masevhisi kubva muChikamu A uye Chikamu B, asi vanogona kunge vaine mitemo yakasiyana nezvinodiwa nezvevapi vezvehutano uye zvivakwa zvaunogona kupihwa rubatsiro kubva. Aya mabhenefiti anogona zvakare kufukidza mamwe masevhisi, senge chiratidzo uye mazino.
• Chikamu D. Chikamu D chinopa mishonga yemishonga inovharidzira muhuwandu hwakasiyana. Iwe unotenga aya marongero kuburikidza neyakavanzika mainishuwarenzi.
• Medigap. Medigap, inozivikanwawo seMedicare Supplement Plans, inogona kuvhara zvimwe zvakajairika kunze-kwehomwe mari neMedare uye inopihwa kuburikidza neinishuwarenzi yega. Mienzaniso inosanganisira kuvhara inishuwarenzi co-kubhadhara.

Iwe unogona chete kukodzera kutambira mukwanyina kubatsirwa kweMedare Chikamu A. Zvimwe zvikamu zveMedicare hazvidi nhoroondo yebasa, uye vane maprimiyamu ane chekuita nekufukidzwa kwavo.

Ndeipi nguva yekukodzera yeMedare?

Muzviitiko zvakawanda, munhu anokodzera Medicare kana vaine makore makumi matanhatu nemashanu ekuberekwa.

Kune zvimwe zvinosiiwa, zvinosanganisira vanhu vadiki vane makore makumi matanhatu nemashanu avo chiremba vakaona sevakaremara, vane chirwere chinopera renal (ESRD), kana ane amyotrophic lateral sclerosis (ALS).

Vanhu vanosangana nezvinodiwa izvi vanokwanisa kuwana Medicare Chikamu A vasati vava nemakore makumi matanhatu nemashanu.

Sezvakakurukurwa pamusoro, iwe unogona zvakare kukodzera Medicare Chikamu A usati wave nemakore makumi matanhatu nemashanu, kana mumwe wako aine makore makumi matanhatu nemashanu uye achikodzera.

Mazuva akakosha eMedare

• Makore makumi matanhatu nemashanu ekuberekwa kwako. Iwe zvine hunyanzvi une mwedzi minomwe yekunyoresa muMedare - mwedzi mitatu mwedzi wako wekuzvarwa uye mwedzi mitatu mushure. Unogona kushanyira Calculator yekukodzera yeMedicare kwemazuva chaiwo akapihwa panowira zuva rako rekuzvarwa pakarenda.
• Ndira 1 kusvika Kurume 31. Avo vasina kunyoresa muMedare panguva yehwindo ravo kutenderedza makore makumi matanhatu nemashanu ekuberekwa vanogona kusaina panguva ino "Yekunyoresa Nguva." Vangafanirwa kubhadhara chirango chinowedzerwa kune yavo Chikamu B premium yekunyoresa gare gare.
• Kubvumbi 1 kusvika Chikumi 30. Iyo nguva yegore iwe yaunogona kuwedzera Medicare Kubatsira kana Medicare Chikamu D chirongwa kana iwe ukasarudza zvakadaro.
• Gumiguru 15 kusvika Zvita 7. Ino inguva yekunyoresa yakavhurwa yegore rega yeMedare Kubatsira uye Medicare Chikamu D. Zvirongwa zvitsva zvinowanzotanga kushanda muna Ndira 1.

Kutora

Yakawanda kutarisisa kweMedicare nevakaroora vakatenderedza Medicare Chikamu A, inova chikamu cheinishuwarenzi chinofukidza kushanya kuchipatara.

Zvimwe zvikamu zvinowanikwa kana munhu achinge asvitsa makore makumi matanhatu nemashanu uye obvuma kubhadhara mari yeinishuwarenzi.

Kana uine mimwe mibvunzo nezveMedicare mabhenefiti, unogona kufonera iyo Social Security Administration (SSA) pa800-772-1213 kana kushanyira hofisi yako yeSSA yemuno kuti uwane rumwe 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.

Verenga chinyorwa ichi muchiSpanish