Chii chinonzi Medicare Chikamu C Chinovhara?

Zvemukati

• Chii chinonzi Medicare Chikamu C?
• Ini ndinoda Medicare Chikamu C?
• Chii chaizvo chinovhara Medicare Chikamu C?
• Zvirongwa zveChechi C zvinodhura zvakadii?
• New York, NY
• Atlanta, GA
• Dallas, TX
• Chicago, IL
• Los Angeles, CA
• Chikamu cheC chinofananidzwa sei nezvimwe zvirongwa zveMedare?
• Medicare Chikamu A (inishuwarenzi yechipatara)
• Medicare Chikamu B (inishuwarenzi yekurapa)
• Medicare Chikamu D (chirongwa chinorayirwa chinodhaka)
• Inishuwarenzi yekuwedzera (Medigap)
• Kunyoresa muMedicare
• Kutora

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Medicare Chikamu C rudzi rweinishuwarenzi sarudzo iyo inopa yechinyakare Medicare kufukidza uye zvimwe. Iyo inozivikanwawo seMedicare Advantage.

Yakawanda Medicare Chikamu C inoronga kufukidza:

• mari dzechipatara
• mari yekurapa
• mishonga yemishonga
• kutarisirwa mazino
• kuona kutarisira
• kunzwa kunzwa

Zvimwe zveMedare Chikamu Chikamu C zvakare chinopa mamwe mabhenefiti ekuvharidzira hutano, senge ejimini nhengo uye zvekufambisa mabasa.

Muchikamu chino, tichaongorora zvese zvakafukidzwa neMedare Chikamu C, kusanganisira kuti nei ungade Medicare Chikamu C uye kuti zvingabhadhare zvakadii.

Chii chinonzi Medicare Chikamu C?

Medicare Chikamu C zvirongwa zvirongwa zveinishuwarenzi zvinopihwa nemakambani einishuwarenzi akazvimirira. Aya marongero, neimwe nzira anozivikanwa seMedicare Advantage mapurani kana MA zvirongwa, zvinopa kufukidzwa kumwechete seOrth Medicare nerubatsiro rwekuwedzera kufukidza.

Kana ukagamuchira Medicare Chikamu A uye Chikamu B, unokodzera Medicare Chikamu C.

Medicare Chikamu C zvirongwa zvinotevera zvimiro zveinishuwarenzi zvechinyakare uye zvinosanganisira:

• Hutano Kuchengetedza Sangano (HMO) zvirongwa
• Anosarudzika Provider Sangano (PPO) zvirongwa
• Yakavanzika Mari-Ye-Yebasa (PFFS) zvirongwa
• Zvirongwa Zvakakosha Zvezvirongwa (SNP)
• Medicare Medical Savings Account (MSA) zvirongwa

Ini ndinoda Medicare Chikamu C?

Medicare Chikamu C inogona kunge iri sarudzo yakanaka kwauri kana:

• iwe watogamuchira Medicare zvikamu A uye B uye unoda kuwedzerwa kufukidzwa
• iwe unoda kunyorerwa kwemishonga yekunwa
• iwe unofarira kufukidzwa kwegore negore mazino, maonero, kana kunzwa bvunzo
• iwe unofarira mumhando dzakawanda dzekuvhara mune imwe chirongwa chiri nyore

Chii chaizvo chinovhara Medicare Chikamu C?

Medicare Chikamu C chinofukidza zvese zviri zviviri Medicare Chikamu A (inishuwarenzi yechipatara) uye Medicare Chikamu B (inishuwarenzi yekurapa) inovhara.

Yakawanda Medicare Chikamu C inoronga zvakare inopihwa mushonga mushonga, mazino, chiono, uye kunzwa kwekuvhara. Zvimwe zvirongwa zvinogona kutopa zvekuwedzera kufukidzwa kwezvinhu zvine chekuita nezvehutano, sehunhengo hwekurovedza muviri uye masevhisi ekuendesa kudya.

Uye zvakare, zvirongwa zveMedicare Chikamu C zvinouya muzvimiro zvakasiyana zvinopa vanhu rusununguko rwekusarudza rudzii rwehurongwa hwavanoda.

Semuenzaniso, vamwe vanhu vane hutano husingaperi mamiriro vangangoda Medicare Chikamu C SNP kubatsira kubhadhara mitengo yekushanyira hofisi, mishonga, uye maitiro. Vamwe vanhu vangangoda chirongwa cheMedicare Chikamu C PPO kana PFFS kuti vawane rusununguko rwakawanda.

Zvirongwa zveChechi C zvinodhura zvakadii?

Mutengo wechirongwa cheMedicare Chikamu C chinoenderana nezvinhu zvakasiyana. Izvo zvinowanzojairwa mutengo mukati mechirongwa chako zvichave:

• yako Chikamu B pamubhadharo wemwedzi wega wega, uyo unogona kuvharwa nechikamu cheChikamu C chako
• yako Medicare Chikamu C inodhura, iyo inosanganisira iyo inobviswa uye yemwedzi miripo
• yako yekunze-kwehomwe mari, iyo inosanganisira macopayments uye coinsurance

Pazasi pane kumwe kuenzanisa kwemutengo kweMedare Chikamu C zvirongwa mune mamwe maguta akakomberedza United States. Ese mapurani akanyorwa pazasi anovhara madhiragi ekurapa, chiono, mazino, kunzwa, uye kugona kwehutano. Nekudaro, iwo ese akasiyana mumutengo.

New York, NY

Imwe kambani yeinishuwarenzi inopa chirongwa cheHMO icho chinodhura:

• mwedzi wepamberi: $ 0
• Chikamu B chekutanga: $ 135.50
• mu-network gore rega rinobviswa: $ 0
• zvinodhaka zvinobviswa: $ 95
• mu-network kunze-kwe-muhomwe max: $ 6,200
• copays / coinsurance: $ 25 pakushanya kwenyanzvi

Atlanta, GA

Imwe kambani yeinishuwarenzi inopa chirongwa chePPO chinodhura:

• mwedzi wepamberi: $ 0
• Chikamu B chekutanga: $ 135.50
• mu-network gore rega rinobviswa: $ 0
• zvinodhaka zvinobviswa: $ 75
• mukati- uye kunze-kwe-network kunze-kwe-muhomwe max: $ 10,000
• copays / coinsurance: $ 5 paPCP uye $ 40 pakushanya kwenyanzvi

Dallas, TX

Imwe kambani yeinishuwarenzi inopa chirongwa cheHMO chinodhura:

• mwedzi wepamberi: $ 0
• Chikamu B chekutanga: $ 135.50
• mu-network gore rega rinobviswa: $ 0
• zvinodhaka zvinobviswa: $ 200
• mu-network kunze-kwe-muhomwe max: $ 5,200
• copays / coinsurance: $ 20 pakushanya kwenyanzvi

Chicago, IL

Imwe inishuwarenzi kambani inopa HMO Point of Service chirongwa icho chinodhura:

• mwedzi wepamberi: $ 0
• Chikamu B chekutanga: $ 135.50
• mu-network gore rega rinobviswa: $ 0
• zvinodhaka zvinobviswa: $ 0
• mu-network kunze-kwe-muhomwe max: $ 3,400
• copays / coinsurance: $ 8 paPCP uye $ 45 pakushanya kwenyanzvi

Los Angeles, CA

Imwe kambani yeinishuwarenzi inopa chirongwa cheHMO chinodhura:

• mwedzi wepamberi: $ 0
• Chikamu B chekutanga: $ 135.50
• mu-network gore rega rinobviswa: $ 0
• zvinodhaka zvinobviswa: $ 0
• mu-network kunze-kwe-muhomwe max: $ 999
• copays / coinsurance: $ 0

Izvo zvakakosha kuti uzive kuti idzi fungidziro dzemutengo dzakatorwa zvakananga kubva paMedicare.gov uye haisanganisi chero zvinhu zvakasarudzika nemamiriro ako ezvinhu, sekuwanda kwemishonga yako yemishonga yaunogona kubhadhara kana kuti iwe uchigamuchira rubatsiro rwemari.

Kuti uwane fungidziro yakanyatsojeka yekuti chirongwa cheMedare Chikamu C chingakutorerei zvakadii, tarisa uone Tsvaga chishandiso cheMedicare 2020 Chirongwa.

Chikamu cheC chinofananidzwa sei nezvimwe zvirongwa zveMedare?

Medicare Chikamu C inopa mukana pamusoro pezvimwe zvirongwa zveMedare nekuti zvinowanzo sanganisira zvivharo zvese zvinodiwa mune rimwe zano rakanaka.

Zvimwe zvirongwa zveMedare zvinosanganisira zvikamu A, B, D, uye Medigap. Medicare Chikamu D uye Medigap inofanirwa kupa inishuwarenzi yekuwedzera kune zvikamu A na B.

Medicare Chikamu A (inishuwarenzi yechipatara)

Chikamu A chinofukidza kushanya kuchipatara, kuchengetwa kwenguva pfupi kwekuchengetwa kwenzvimbo, mabasa epamba ekurapa, uye mabasa ekuchengetedza varwere. Iwe unodikanwa kuti uve neichi chinyorwa kuti uve unokodzera Medicare Chikamu C.

Medicare Chikamu B (inishuwarenzi yekurapa)

Chikamu B chinofukidza kudzivirira, kuongororwa, uye kurapwa kwemamiriro ehutano nezvirwere zvepfungwa. Iyo inovharawo zvekufambisa zvekurapa. Iwe unodikanwa kuti uve neichi chinyorwa kuti uve unokodzera Medicare Chikamu C.

Medicare Chikamu D (chirongwa chinorayirwa chinodhaka)

Chikamu D chinowedzera-kuOrange Medicare (zvikamu A uye B) izvo zvinogona kushandiswa kubhadhara mutengo wemishonga yekunyorera. Kunyorwa kwemishonga yemishonga inowanzo kuverengerwa muzvirongwa zvizhinji zveMedare Chikamu C.

Inishuwarenzi yekuwedzera (Medigap)

Medigap ndeyekuwedzera kufukidza kune vanhu vanotova neMedare zvikamu A uye B. Haudi Medigap inishuwarenzi kana ukagamuchira Medicare Chikamu C, sezvo hurongwa hwako hunotovhara izvo zvaizoitwa naMedigap.

Kunyoresa muMedicare

Iwe unokodzera Medicare Chikamu C kana uine makore makumi matanhatu nemashanu kana kupfuura uye wakanyoresa muMedare zvikamu A naB. Unokodzera kunyoresa mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu kusvika pamwedzi mitatu mushure mekuzvarwa kwako makumi matanhatu nemashanu.

Kunyoresa muMedare Chikamu C, iwe unofanirwa zvakare kunyoreswa muMedare zvikamu A na B. Unofanirwawo kugara munzvimbo yekufukidzira chero chirongwa cheMedare Chikamu C chaunosarudza.

Pane zvinhu zvakakosha zvinoenda mukubatsira nhengo yemhuri kusarudza chirongwa cheMedare Chikamu C. Heano mibvunzo mishoma yekubvunza mudiwa wako:

1. Inguvai iwe yauchazoda kushanyira chiremba kana nyanzvi? Mazhinji Medicare Chikamu C inoronga kubhadharisa vekushanyira nyanzvi uye vekunze-ve-network vanopa. Dzimwe nguva chirongwa chinogona kudhura zvakanyanya kumberi mune zvakabviswa uye maprimiyamu asi zvinogona kuchengetedza mari kune vanhu vane hutano husingaperi mamiriro anoda kuwedzerwa mahofisi echiremba.
2. Marii yaungakwanise kuwana kunze-kwehomwe mutengo gore rega? Anenge ese zvirongwa zveMedare, kusanganisira zvirongwa zveMedare Chikamu C, zvinoda mari yakati wandei gore rega. Funga nezve mutengo weprimiyamu, inobvisirwa, kunze-kwehomwe yakakwira, uye macopay.
3. Ndeupi rudzi rwekuvhara iwe urikutsvaga? Izvi zvinogona kukubatsira kudzikisira pasi chaizvo mhando dzipi dzekuvhara kuti utarise muChikamu C chirongwa. Inogona kusanganisira zvinhu zvakaita sekunyorerwa zvinodhaka, kuona, mazino, kunzwa, kugwinya, kutakurwa, nezvimwe.
4. Ndeupi rudzi rwehurongwa iwe hwaunofarira? Medicare Chikamu C zvirongwa zvinopihwa muzvimiro zvakasiyana, saka zvakakosha kuti uzive chimiro chinofarira nhengo yemhuri yako. Vane chiremba wavanoda here? Inogona here HMO kuchengetedza mari?

Paunenge uchinge waita hurukuro iyi nenhengo yemhuri yako, shandisa chishandiso chekuenzanisa chirongwa kuti uwane marongero munharaunda mako anonyatsoenderana nezvavanoda.

Unogona kuenzanisa mutengo wobva wafonera iwo makambani kuti uwane zvakawanda pamusoro peizvo chaizvo zvavanogona kupa mudiwa wako.

Kutora

Medicare Chikamu C inzira yeinishuwarenzi kune vanhu vanoda kufukidzwa kwakawanda kweMedare. Iyo inozivikanwawo seMedicare Advantage mapurani, Chikamu C zvirongwa zvinokupa iwe mukana wekusarudza yako chirongwa mhando, kufukidza, uye mutengo.

Iwe ungangoda chirongwa cheMedicare Chikamu C kana iwe:

• tora mishonga yemishonga
• zvinoda mazino, maonero, kana kunzwa kunzwa
• nakidzwa nehumwe hutano mabhenefiti sekusimba uye kutakura kwekurapa

Mumaguta makuru eU.S., Medicare Chikamu C zvirongwa zvinotanga kubva pamadhora chiuru nemazana mashanu uye zvinowedzera mumutengo kubva ipapo.

Kana iwe uri kubatsira mudiwa kusarudza chirongwa cheMedicare Chikamu C, ive shuwa kugara pasi nekukurukura yavo yega yehutano inoda kuvabatsira kuti vawane chirongwa chinopa rubatsiro rwakanyanya.

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