Zvese zvaunoda Kuti Uzive Kana Iwe Uchida Kuchinja Medicare Advantage Zvirongwa
Zvemukati
- Ndinochinja sei zvirongwa zveMedare zvinobatsira?
- Ndirini pandinogona kushandura zvirongwa zveMedare zvinobatsira?
- Yekutanga kunyoresa nguva
- Medicare Kubatsira kuvhura kunyoresa
- Vhura nguva yekunyora
- Nguva dzakakosha dzekunyora
- Ndiani anokodzera Medicare Kubatsira?
- Ndeapi ari Medicare Kubatsira zvirongwa?
- Kutora
- Iwe une mikana yakati wandei yekushandura yako Medicare Advantage chirongwa mukati megore.
- Iwe unogona kushandura chirongwa chako cheMedare Kubatsira uye Medicare mishonga yemishonga inovhara panguva yeMedicare yakavhurika kunyoresa nguva kana iyo Medicare Advantage yakavhurika kunyoresa nguva.
- Iwe unogona zvakare kushandura yako Medicare Advantage chirongwa panguva yakakosha yekunyoresa nguva iyo inokonzereswa neshanduko huru muhupenyu hwako.
Kana mamiriro ako akachinja kubva pawakatanga kunyoresa chirongwa cheMedare Kubatsira, iwe ungangodaro uchitsvaga chirongwa chakasiyana chinosangana zvirinani nezvido zvako. Asi iwe unogona kudonhedza rimwe zano uye kuchinjira kune rimwe?
Mhinduro pfupi ndeye, hongu. Mhinduro refu: Unogona kushandura yako Medicare Advantage chirongwa asi chete panguva yakatarwa yekunyoresa nguva mukati megore. Hazvina kuoma, asi zvakakosha kuti uzviite panguva yakakodzera. Zvikasadaro, iwe unogona kurasikirwa kufukidzwa kana kugadzira maburi mune yako yekuvhara.
Hezvino izvo zvaunoda kuti uzive nezvekuti riinhi uye sei nzira yekuchinjisa yako Medicare Kubatsira chirongwa.
Ndinochinja sei zvirongwa zveMedare zvinobatsira?
Medicare Kubatsira (Chikamu C) zvirongwa zvinopihwa nemakambani einishuwarenzi akazvimirira. Kana iwe uine chirongwa cheMedare Kubatsira, unogona:
- chinja kune rakasiyana chirongwa cheMedicare Chakanakira icho chinopa kufukidzwa kwemishonga
- chinja kune imwe nzira yeMedicare Advantage iyo isingape kuvharirwa kwemishonga
- chinja kune yekutanga Medicare (zvikamu A uye B) pamwe nechikamu D (chirongwa chemushonga)
- chinja kune yekutanga Medicare pasina kuwedzera chikamu Chikamu D.
Iwe unogona kazhinji kuita shanduko imwe chete kuchirongwa chako panguva yeMedicare Advantage yakavhurika kunyoresa nguva.
Kuti uchinje zvirongwa, bata unishuwarenzi mupi wezano raunoda uye nyorera kufukidzwa. Kana iwe usina chokwadi chekutaurirana nemupi, iyo Medicare's chirongwa chekutsvaga chishandiso inogona kubatsira. Iwe unozobviswa muhurongwa hwako hwekare nekukurumidza kana chirongwa chako chitsva chatanga kushanda.
Kana iwe uchichinja kubva kuchirongwa cheMedicare Advantage kuenda kune yekutanga Medicare, unogona kudaidza chirongwa chako chekare kana kunyoresa kuburikidza neMedicare nekufonera 800-MEDICARE.
Ndirini pandinogona kushandura zvirongwa zveMedare zvinobatsira?
Iwe unogona kushandura Medicare Advantage marongero panguva yakatarwa yekunyoresa nguva gore rega uye mukati menguva yakatarwa yenguva uchitevera zvimwe zviitiko zvehupenyu. Heano mazuva chaiwo nemirau yekuti iwe ungachinje marongedzero eMedare.
Yekutanga kunyoresa nguva
Iwe unogona kushandura yako Medicare Advantage chirongwa chero nguva panguva yako yekutanga kunyoresa nguva.
Kana iwe uchikodzera Medicare zvichienderana nezera rako, saka kunyoresa kwako kwekutanga kunotanga mwedzi mitatu mwedzi usati wasvika makore makumi matanhatu nemashanu ekuberekwa kwako, unosanganisira mwedzi wako wekuzvarwa, uye unoenderera kwemwedzi mitatu mushure. Pakazara, iyo yekutanga kunyoresa nguva inogara kwemwedzi minomwe.
Kana iwe uchikodzera Medicare zvichienderana nehurema, yako yekutanga kunyoresa nguva inotanga mwedzi mitatu mwedzi wako wechi25 usati wawana Social Security Disability Insurance kana Railroad Retirement Board mabhenefiti, inosanganisira yako 25th mwedzi, uye inoenderera kwemwedzi mitatu mushure meizvozvo.
Medicare Kubatsira kuvhura kunyoresa
Iwe unogona kuita shanduko kuchirongwa chako chero nguva panguva yeMedicare Advantage yakavhurika kunyoresa nguva kubva muna Ndira 1 kusvika Kurume 31 gore rega. Iyi zvakare iri nguva yekunyorwa kweMedicare.
Shanduko dzaunoita dzinozoitika pazuva rekutanga remwedzi unotevera mwedzi waunochinja.
Vhura nguva yekunyora
Iwe unogona kuita shanduko kune yako Medicare Advantage chirongwa chero nguva panguva yegore resarudzo nguva, inozivikanwa seyakavhurika kunyoresa. Izvi zvinotangira kubva Gumiguru 15 kusvika Zvita 7 gore rega. Shanduko dzaunoita dzinotanga kushanda muna Ndira 1 wegore rinotevera.
Nguva dzakakosha dzekunyora
Zvimwe zviitiko zvehupenyu zvinogona kukonzeresa mukana wekuchinjisa yako Medicare Advantage chirongwa. Kana iwe ukaenda kunzvimbo nyowani, sarudzo dzako dzekuvhara dzinoshanduka, kana ukasangana nemamwe mamiriro ehupenyu, Medicare inogona kukupa iwe yakakosha kunyoresa nguva.
Heino pfupiso yezviitiko izvi uye nesarudzo dzauchazove nadzo:
| Kana izvi zvikaitika… | Ndinokwanisa… | Ndine izvi refu kuita shanduko… |
|---|---|---|
| Ini ndinobuda kunze kwenzvimbo yangu yebasa yenzvimbo | chinja kune itsva Medicare Kubatsira kana Chikamu D chirongwa | Mwedzi miviri * |
| Ini ndinofamba uye zvirongwa zvitsva zvinowanikwa kwandinogara | chinja kune itsva Medicare Kubatsira kana Chikamu D chirongwa | Mwedzi miviri * |
| Ini ndinodzokera kuUnited States | Joinha Medicare Kubatsira kana Chikamu Chikamu D chirongwa | Mwedzi miviri * |
| Ini ndinobuda kana kuenda kunzvimbo ine hunyanzvi yevanamukoti kana nzvimbo yekuchengetedza kwenguva refu | kujoina Medicare Kubatsira kana Chikamu D chirongwa, chinja Medicare Kubatsira zvirongwa, kana donhedza Medicare Kubatsira uye chinja kune yekutanga Medicare | chero bedzi iwe uchigara mune ino nzvimbo uye 2 mwedzi mushure mekubva |
| Ndaburitswa mutirongo | Joinha Medicare Kubatsira kana Chikamu Chikamu D chirongwa | Mwedzi miviri * |
| Ini handikodzeri Medicaid zvakare | kujoina Medicare Kubatsira kana Chikamu D chirongwa, chinja Medicare Kubatsira zvirongwa, kana donhedza Medicare Kubatsira uye chinja kune yekutanga Medicare | Mwedzi mitatu * |
| Ini handina inishuwarenzi yehutano kubva kune wandinoshandira kana mubatanidzwa zvakare | Joinha Medicare Kubatsira kana Chikamu Chikamu D chirongwa | Mwedzi miviri * |
| Ini ndinonyoresa muchirongwa chePACE | donhedza Medicare Kubatsira kana Chikamu Chikamu D chirongwa | chero nguva |
| Medicare inorambidza hurongwa hwangu | chinja Medicare Kubatsira zvirongwa | yakatarwa nyaya nenyaya |
| Medicare inogumisa hurongwa hwangu | chinja Medicare Kubatsira zvirongwa | kubva pamwedzi miviri chirongwa chisati chapera kusvika 1 mwedzi mushure mekupera |
| Medicare haimutsidzi chirongwa changu | chinja Medicare Kubatsira zvirongwa | kubva Zvita 8 kusvika pazuva rekupedzisira munaKukadzi |
| Ndiri vaviri vanokodzera Medicare neMedicaid | Joinha, chinja, kana kudonhedza Medicare Kubatsira zvirongwa | kamwe chete panguva yaJan – Mar, Kubvumbi-Jun, naJul – Sep |
| Ini ndinonyoresa muHurumende Pharmaceutical Rubatsiro chirongwa (kana kurasikirwa nechirongwa) | kujoina chirongwa cheMedicare Kubatsira nechikamu D | kamwe pagore rekarenda |
| Ndinodonhedza mutemo wangu weMedigap pandinopinda chirongwa cheMedare | inodonha Medicare Kubatsira uye kujoina yekutanga Medicare | Mwedzi gumi nemaviri mushure mekunge iwe watanga kujoina chirongwa cheMedicare Advantage |
| Ndine Special Needs Chirongwa asi handisisina kukosha kwakakosha | chinja kune Medicare Kubatsira kana Chikamu Chikamu D chirongwa | Mwedzi mitatu mushure mekunge nguva yenyasha yapera |
| Ini ndinobatana nechirongwa chisiri icho nekuda kweye federal mushandi chikanganiso | kujoina Medicare Kubatsira kana Chikamu D chirongwa, chinja Medicare Kubatsira zvirongwa, kana kudonhedza Medicare Kubatsira uye chinja kune yekutanga Medicare | Mwedzi miviri * |
| Medicare inopa 5-nyeredzi chiyero kune chirongwa munharaunda yangu | chinja kune 5-nyeredzi Medicare Kubatsira chirongwa | kamwe chete pakati paDec 8 naNove 30 |
*Bvunza Medicare.gov kuti uwane ruzivo rwekuti nguva inotanga kunyorera riini.
Ndiani anokodzera Medicare Kubatsira?
Kuti uve unokodzera chirongwa cheMedare Kubatsira, unofanirwa kunyoreswa mune yekutanga Medicare (Chikamu A uye Chikamu B). Iwe zvakare unofanirwa kugara munzvimbo yakafukidzwa neyeinishuwarenzi mupi uyo anopa Medicare Advantage zvirongwa kune vatsva vatsva.
Kuti uve unofanirwa neMedare yepakutanga, unofanirwa kuve mugari wemuUS kana mugari wepamutemo anogara kweanopfuura makore mashanu uye unokodzera chimwe kana zvimwe zvezvikamu izvi:
- vane makore makumi matanhatu nemashanu zvichikwira
- kuva nehurema
- ndine amyotrophic lateral sclerosis (ALS)
- vane chirwere chekupedzisira chechirwere (ESRD)
Ndeapi ari Medicare Kubatsira zvirongwa?
Medicare Advantage (Chikamu C) zvirongwa zvirongwa zveinishuwarenzi zvehutano zvinotengeswa nemakambani einishuwarenzi akazvimirira. Ivo vanopa kufukidzwa kumwechete sepakutanga Medicare (Chikamu A uye Chikamu B), uyezve mamwe mabhenefiti.
Zvichienderana nechirongwa, zvimwe zvezvikomborero zvekuwedzera zvinogona kusanganisira mazino, kunzwa, kuona, uye mishonga yemishonga inovhara. Iwe unogona kuenzanisa marongero uchishandisa Medicare's chirongwa chekutsvaga chishandiso. Izvi zvinokutendera kuti uone kufukidzwa uye mitengo inowanikwa padhuze newe.
Kutora
Iwe unogona kuita shanduko kune yako Medicare Advantage chirongwa na:
- kungave kuwedzera kana kudonhedza mushonga wekuvhara mishonga
- kuchinjira kune rakasiyana chirongwa cheMedicare Kubatsira
- kudzokera kuMedicare yekutanga, uine kana usina chirongwa chemushonga
Chinhu chakakosha kucherechedza ndechekuti iwe unogona kushandura chirongwa chako chete panguva dzakatarwa mukati megore. Iwe unogona kushandura chero nguva panguva yako yemwedzi minomwe-yekutanga kunyoresa nguva. Iwe unogona zvakare kushandura panguva yekuvhura kunyoresa nguva kudonha kumwe nekumwe.
Imwe nguva iwe yaunogona kuita shanduko iri panguva yeMedicare Advantage yakavhurika kunyoresa nguva pakutanga kwegore rega. Uyezve, kumwe kuchinja kwehupenyu kunokutendera iwe kuti uchinje chirongwa chako panguva dzakakosha dzekunyoresa nguva.
Paunenge wagadzirira kushandura, ziva kuti iwe unogona kuwana rubatsiro kutsvaga uye kunyoresa muchirongwa chakakodzera kwauri.
Ichi chinyorwa chakagadziridzwa munaNovember 17, 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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