Ini ndinofanira Kuvandudza Medicare Gore rega rega?

Zvemukati

• Medicare inozvigadziridza yega gore rega here?
• Chii chinonzi non-kuvandudzwa chiziviso?
• Chii chiri ziviso yegore negore yeshanduko?
• Ini ndinowana sei iro rakanyanya kuronga kwandiri?
• Ndeapi nguva ekunyora andinofanira kuziva?
• Kutanga kunyoresa
• Nguva dzesarudzo dzegore negore
• Kazhinji kunyoresa nguva
• Yakakosha kunyoresa nguva
• Kutora

• Kunze kwekusara kushoma, kufukidzwa kweMedare kunovandudzwa panopera gore rega rega.
• Kana chirongwa chikasarudza kuti hachizobvumirane neMedare, chirongwa chako hachizovandudze.
• Kune mazuva akakosha mukati megore rose apo inishuwarenzi inofanira kukuzivisa iwe nezvekuvhara shanduko uye kana iwe uchikwanisa kusaina zvirongwa zvitsva.

Kunyangwe paine zvisaririra zvishoma, zvirongwa zveMedare zvinowanzo gadziridza gore rega rega. Izvi ichokwadi kune ekutanga Medicare pamwe neMedicare Advantage, Medigap, uye Medicare Chikamu D zvirongwa.

Chinyorwa ichi chinotsanangura marongero anoita Medicare anovandudza gore rega uye nguva yekufunga kusaina kuti uwedzere kufukidzwa kweMedare.

Medicare inozvigadziridza yega gore rega here?

Ukangonyoresa muMedare, marongero ako anowanzo gadziridza. Izvi zvinoitirwa kutapudza mapepa iwe unofanirwa kuendesa kuMedare. Ngatitarisei kuti ndezvipi otomatiki kuvandudzwa kwakaita kune chimwe nechimwe chikamu cheMedare:

• Yekutanga Medicare. Kana iwe uine yekutanga Medicare, yako yekuvhara inozoerekana yamutsidzira pakupera kwegore rega. Nekuti iyo yekutanga Medicare ndeye yakajairika mutemo munyika yose, haufanire kunetseka kuti kufukidzwa kwako kuchadonhedzwa.
• Medicare Kubatsira. Yako Medicare Advantage, kana Medicare Chikamu C, chirongwa chinobva chazvimutsidzira kunze kwekunge Medicare yadzima chibvumirano chayo nehurongwa kana yako inishuwarenzi kambani inosarudza kusapa chirongwa chawakanyora ikozvino.
• Medicare Chikamu D. Kunge Medicare Kubatsira, yako Medicare Chikamu D (chirongwa chemushonga) chirongwa chinofanira kungozvivandudza. Kusiyiwa kungave kana Medicare ikasavandudza chibvumirano nekambani yako yeinishuwarenzi kana kambani haichapi chirongwa ichi.
• Medigap. Yako Medigap mutemo inofanira kungoerekana yagadzirisa. Kunyangwe kana shanduko yemitemo ichinoreva kuti yako inishuwarenzi kambani haichatengesa chirongwa cheMedigap, unogona kazhinji kuchengeta hurongwa hwako. Zvisinei, vamwe vanopinda mumusika weMedare vanogona kusakwanisa kutenga mutemo weMedigap wauinayo.

Kunyangwe hazvo Medicare inoronga otomatiki kumutsiridza, izvi hazvireve kuti iwe unofanirwa kusvetuka nhanho yekuongorora kufukidzwa kwako gore rega. Gare gare, isu tichavhara mamwe ekuwedzera matipi ekuti uve nechokwadi chekuti chirongwa chako chakakunakira iwe.

Chii chinonzi non-kuvandudzwa chiziviso?

Iwe unozogashira chirongwa cheMedicare chisiri-chitsva chiziviso muna Gumiguru kana yako inishuwarenzi kambani isiri kuvandudza chibvumirano chayo neMedare.Kugovana zvirongwa zvehutano zvinogona kusazomutsiridza kondirakiti yavo neMedare kana chirongwa chikarasikirwa nemari yakawanda mukati megore.

Iyo isiri-yekuvandudzwa ziviso inofanira kukuzivisa iwe kana iwe uchizobatanidzwa mune rimwe chirongwa rakafanana chaizvo neako rekare chirongwa. Makambani einishuwarenzi anodaidza iyi "mepu."

Kana iwe usiri kuda kuverengerwa muchirongwa chitsva cheMedicare Advantage, unogona kutora rimwe rematanho anotevera:

• tsvaga uye sarudza chirongwa chitsva panguva yesarudzo yegore
• usaite chero chinhu uye rega yako Medicare kufukidza idzokere kune yekutanga Medicare nekukasira (iwe uchafanirwa kutenga Medicare Chikamu D chirongwa kana yako yapfuura Medicare Advantage chirongwa chaive nemishonga yekuvhara)

Kana chirongwa chinotsigira chisiri kuvandudza chibvumirano chayo, iwe unofanirwa kuziviswa nezveimwe nzira yeMedicare Advantage zvirongwa zvinowanikwa mudunhu rako.

Chii chiri ziviso yegore negore yeshanduko?

Iwe unofanirwa kugamuchira chirongwa cheMedicare chiziviso chegore negore chekuchinja munaGunyana kubva kuchirongwa chako, kungave kubva kuMedicare Kubatsira kana Medicare Chikamu D. Ichi chiziviso chinotsanangura chero cheanotevera shanduko:

• Mariro. Izvi zvinosanganisira zvinobviswa, macopay, uye maprimiyamu.
• Kuvhara. Shanduko dzinogona kusanganisira masevhisi matsva anopiwa uye akagadziridzwa madhiragi emishonga
• Nzvimbo yebasa. Izvi zvinosanganisira nzvimbo dzakavharwa dzebasa kana mu-network chinzvimbo chemamwe ma pharmacy.

Kana chirongwa chako chikakuzivisa nezve shanduko idzi, dzinowanzozoitika muna Ndira anotevera. Kana zvikamu zvehurongwa hwako zviri kuchinja, zviongorore zvakanyatso tarisa kuti uone kana chirongwa chako chichiri kudhura uye chinoshanda pane zvako zvehutano zvinodiwa.

Ini ndinowana sei iro rakanyanya kuronga kwandiri?

Kusarudza rakanakisa chirongwa chiitiko chakasarudzika. Iwe unogona kunge uine zvakasarudzika zvido zvehutano, zvinyorwa, uye hutano uye bhajeti zvinonetsa. Dzimwe dzenzira dzekuwana dzakanyanya kuronga (s) dzako dzinosanganisira:

• Ongorora mashandisiro ako ehutano kubva gore rapfuura. Iwe wakakurumidza kusangana neyako yakabviswa? Une mari yakawanda-ye-muhomwe kupfuura inotarisirwa? Kutanga kutora chero mishonga mitsva? Kana iwe ukapindura 'hongu' kune chero imwe yemibvunzo iyi, ungangoda kuongorora zvakare kufukidza kwako kwegore rinouya.
• Funga zvaunofanira kuva nazvo. Gadzira runyorwa rwevanachiremba iwe raunofanirwa kuve naro mune yako network, mishonga iwe yaunoda kufukidzirwa, uye kuti yakawanda sei iwe yaunokwanisa kutenga kushandisa. Izvi zvinogona kukubatsira kuti uongorore hurongwa hwako hwazvino uye utarise chero marongero matsva anogona kusangana nezvinodiwa zvako.
• Nyatsoongorora ziviso yako yegore negore yeshanduko. Ita shuwa yekuverenga ichi chiziviso zvakanyatso. Funga nezvekuti shanduko dzinogona kukukanganisa sei zvakanaka kana zvisina kunaka. Kunyangwe kana hurongwa hwako husina kuchinja zvakanyanya, ichiri zano rakanaka kutengesa kwese kwese. Zvirongwa zvinogona kuchinja zvakanyanya kubva pagore kusvika pagore, saka zvakakosha kushandisa imwe nguva uchienzanisa zvirongwa zvakasiyana zveMedare.

Dzimwe nguva, chirongwa chako chazvino chinenge chiri chakanakisa. Asi kuyedza zvirongwa maringe neyako yazvino kunogona kuona kuti iwe une yakanakisa kufukidza iwe.

Kana iwe ukasarudza kushandura zvirongwa, unogona kusaina nechirongwa chako chitsva panguva yakatarwa yekunyoresa nguva. Kusaina nechirongwa chitsva kunokusunungura kubva kune yako yapfuura chirongwa kana yako nyowani yekuvhara yatanga.

Ndeapi nguva ekunyora andinofanira kuziva?

Kungofanana nekambani yako yeinishuwarenzi inodiwa kuti ikuzivise neimwe nguva yekuchinja, iwe unenge uine nguva yenguva yaunogona kusainira Medicare Advantage (kana kudzokera kuMedicare yepakutanga) kana kushandura chirongwa chako.

Kutanga kunyoresa

Yekutanga kunyoresa nguva inguva yemwedzi minomwe-nguva kwaunogona kusaina kuMedare. Izvi zvinosanganisira mwedzi mitatu usati wasvika makore makumi matanhatu nemashanu ekuberekwa, mwedzi wekuzvarwa kwako, uye nemwedzi mitatu mushure mekusvitsa makore makumi matanhatu nemashanu.

Kana iwe uri kutogashira mabhenefiti kubva kuSocial Security Administration kana Railroad Retirement Board, iwe unozongo nyorwa muMedicare. Nekudaro, kana usiri, unogona kusaina kuburikidza neSocial Security Administration.

Nguva dzesarudzo dzegore negore

Iyo inozivikanwa zvakare seMedicare yakavhurika kunyoreswa, ino nguva inguva kubva muna Gumiguru kusvika Zvita 7. Apa ndipo paunogona kubva kubva pakutanga Medicare kuenda Medicare Advantage uye zvinopesana.

Iwe unogona zvakare kushandura zvirongwa zveMedicare Advantage kana kuwedzera kana kudonhedza Medicare Chikamu D. Kana iwe uchinge waita shanduko, yako nyowani yekuvhara inowanzo kutanga muna Ndira 1.

Kazhinji kunyoresa nguva

Nguva yekunyora yakawanda kubva muna Ndira 1 kusvika Kurume 31. Munguva ino, unogona kuita shanduko kune yako kufukidza, senge kusaina kweMedicare yekutanga, uchibva paMedicare Advantage kuenda kune yekutanga Medicare, kana kuchinja kubva kune imwe Medicare Advantage kuronga kuenda kune imwe . Iwe haugone, zvakadaro, chinja kubva pakutanga Medicare kuenda kuMedare Advantage.

Yakakosha kunyoresa nguva

Iwe unogona zvakare kukodzera kuita shanduko kunze kweiyo yakajairwa Medicare kunyoresa nguva panguva yakakosha kunyoresa nguva. Izvi zvinowanzoitika kana uchinge warasikirwa nehupfumi nekuda kweshanduko yebasa, kana ukatamira kune imwe nzvimbo yebasa, kana kuenda mukati kana kunze kwemusha unochengeterwa vakwegura.

Kana iwe uchida kuita shanduko mune yako Medicare kufukidza, unogona kushanyira chirongwa chekutsvaga chishandiso paMedicare.gov, kufonera Medicare pa1-800-MEDICARE, kana kubata chirongwa chaicho.

Kutora

• Yako yekutanga Medicare kufukidza inowanzo gadziridza yega.
• Mazhinji zvirongwa zveMedare zvinobatsira zvakare kumutsidzira pasina iwe kutora matanho.
• Kana yako Medicare Advantage kana Medicare Chikamu D chirongwa chisiri kuvandudza chibvumirano chayo neMedare, iwe unofanirwa kugamuchira chiziviso pasati pasvika mwaka wesarudzo gore kuitira kuti ugone kusarudza chirongwa chitsva.