Misiyano Yakakosha Pakati peMedare Kubatsira uye Medicare Supplement Zvirongwa

Zvemukati

• Chii chinonzi Medicare Kubatsira?
• Chii chinonzi Medicare Supplement?
• Kuenzanisa zvirongwa
• Iwe unokodzera here?
• Mari dzekubatsira zvirongwa vs. Medigap
• Medicare Kubatsira mutengo
• Medicare Kubatsira kwakanaka kwakanakira iwe kana:
• Medicare Advantage haina kukodzera iwe kana:
• Medicare Supplement mutengo
• Medicare Supplement kufukidza kunogona kuve kwakakodzera iwe kana:
• Medicare Supplement kufukidza kunogona kunge kusiri kukodzera iwe kana:
• Kubatsira mumwe munhu kunyoresa?
• Kutora

Kusarudza inishuwarenzi yehutano sarudzo yakakosha kune hutano hwako uye ramangwana. Neraki, kana zvasvika pakusarudza Medicare, iwe une sarudzo.

Medicare Advantage (Chikamu C) uye Medicare Supplement (Medigap) zvimwe zvirongwa zvinowirirana neyako yekutanga Medicare (zvikamu A neB). Vanogona kukupa iwe zvaunoda iwe kusangana nezvinodiwa zvako zvehutano.

Zvirongwa zvese izvi zvakagadzirirwa kupa chifukidziro icho zvimwe zvikamu zveMedare zvisingaite. Zvisinei, iwe unogona kusatenga zvese Medicare Kubatsira uye Medigap.

Kana iwe uchida yekuwedzera Medicare kufukidza, unofanirwa kusarudza kana Medicare Advantage kana Medigap.

Kana izvozvo zvikaita sezvinovhiringidza zvishoma, usanetseka. Tichatsanangura zvimwe pazasi.

Chii chinonzi Medicare Kubatsira?

Medicare Advantage mapurani ndeya wega inishuwarenzi sarudzo yeMedare kufukidzwa Aya marongero anovhara zvinoitwa neMedicare yekutanga, kusanganisira:

• kuiswa muchipatara
• zvekurapa
• mishonga yemishonga

Zvichienderana neChirongwa cheRubatsiro chaunosarudza, chirongwa chako chinogona zvakare kuvhara:

• mazino
• chiratidzo
• kunzwa
• jimu nhengo
• kufambisa kuenda kunzvimbo dzekurapa

Medicare.gov ine chishandiso chekukubatsira iwe kuwana iyo Medicare Advantage Chirongwa inosangana nezvido zvako.

Chii chinonzi Medicare Supplement?

Medicare Supplement, kana Medigap, iri rakasiyana seti ehurongwa ayo anobatsira kufukidza-kwe-muhomwe mari uye zvinhu zvisina kumwe zvakavharwa muchirongwa chako chekutanga cheMedare, kunge macopayments uye coinsurance.

Kubva muna Ndira 1, 2020, achangotengwa Medigap zvirongwa hazvifukidze Chikamu B zvinobvisirwa. Unogona kutenga Medigap mukuwedzera kune yako ekutanga Medicare kufukidza (zvikamu A, B, kana D).

Medicare.gov ine chishandiso chekukubatsira iwe kuwana chirongwa cheMedigap chinosangana nezvido zvako.

Kuenzanisa zvirongwa

Kuti ikubatsire iwe kuenzanisa, hezvino zvese zviri zviviri zvirongwa padivi nedivi:

Iwe unokodzera here?

Pane zvakawanda zvinodiwa zvaunofanira kusangana nazvo kuti ukwanise kuita Medicare Advantage kana Medigap zvirongwa. Heano maitiro ekuudza kana iwe uchikodzera Medicare Advantage kana Medicare Supplement:

• Kukodzera kweMedicare Kubatsira:
  • Iwe unokodzera Chikamu C kana iwe wakanyoreswa muzvikamu A uye B.
  • Iwe unokodzera Medicare Chikamu A uye B kana iwe uine makumi matanhatu nemashanu kana kupfuura, uine hurema, kana uine end stage renal chirwere.
• Mvumo yeMedicare yekuwedzera kufukidza:
  • Iwe unokodzera kuMedigap kana iwe wakanyoreswa muMedare zvikamu A uye B.
  • Iwe hausati watonyora muMedicare Advantage.
  • Iwe unosangana nezvinodiwa nenyika yako zveMedigap kufukidza.

Mari dzekubatsira zvirongwa vs. Medigap

Iwe unogona kutenga Medicare Advantage, kana Medicare Chikamu C, kuburikidza nemupi wega wega anotenderwa sechikamu chekuvhara kwako Medicare. Izvo zvinodhura zvechirongwa chega chega zvakatemwa zvakasiyana. Verenga pamusoro kuti uwane tsananguro yekuti maprimiyamu nemari zvinomisikidzwa sei.

Medicare Kubatsira mutengo

Zvakawanda senge chero imwe chirongwa cheinishuwarenzi, Medicare yemabhenefiti ekubhadhara anosiyana pabhodhi zvichienderana nemupi waunosarudza kunyoresa naye uye chirongwa chaunosarudza.

Zvimwe zvirongwa hazvina mari yemwedzi; vamwe vanobhadharisa mazana anoverengeka emadhora. Asi hazvigone kuti iwe ubhadhare yakawanda kune yako Chikamu C kupfuura iwe yaunoitira Chikamu B.

Pamusoro pezvo, zvinodhura senge macopay uye zvakabviswa zvichasiyanawo nechirongwa. Kubheja kwako kwakanyanya paunenge uchisarudzira zvingangove mari yehurongwa hwako hweMedare Inobatsira ndeyokunyatsoenzanisa zvirongwa paunenge uchitenga.

Shandisa iyo Medicare.gov chishandiso kubatsira kuenzanisa Medicare Kubatsira zvirongwa uye mutengo.

Zvimwe zvinhu zvinogona kukanganisa mutengo wezve Medicare Advantage zvirongwa zvinosanganisira:

• iyo Advantage chirongwa chaunosarudza
• kangani iwe waunoda kuwana ekurapwa masevhisi
• kwaunogamuchira kurapwa kwako (mune network kana kunze kwenetiweki)
• mari yako (izvi zvinogona kushandiswa kuona yako yepayimusi, inobvisirwa, uye yeepopay huwandu)
• kana iwe uine rubatsiro rwemari senge Medicaid kana kuremara

Medicare Kubatsira kwakanaka kwakanakira iwe kana:

• Unotova nezvikamu A, B, uye D.
• Iwe une anotenderwa mupi wawave kutoda, uye iwe unoziva ivo vanogamuchira Medicare uye Medicare Advantage zvirongwa.
• Iwe unoda zvimwe zvakavharwa mabhenefiti, senge kunzwa, chiono, uye mazino.
• Iwe ungatungamira maneja zano kune ako ese einishuwarenzi zvaunoda.

Medicare Advantage haina kukodzera iwe kana:

• Iwe unofamba zvakanyanya kana kuronga kusvika paMedare. (Iwe unofanirwa kugara mukati mechirongwa chako chekuvhara nzvimbo, kunze kwekukurumidzira.)
• Iwe unoda kuchengeta mupi mumwe chete gore rega. (Zvinodiwa kune vanogashira vanopa vanochinja gore rega.)
• Iwe unoda kuchengeta mwero wakafanana. (Mitengo inoshanduka gore rega.)
• Iwe une hanya nezve kubhadhara kwekuwedzera kufukidza iwe kwausingazoshandisa.

Medicare Supplement mutengo

Zvakare, chirongwa cheinishuwarenzi chimwe nechimwe chinosiyana pamutengo zvichienderana nekukodzera kwako uye nemhando yekuvhara yaunoda.

Nezvirongwa zveMedicare Supplement, iyo yakawanda kufukidza iwe yaunoda, iyo inowedzera mutengo. Pamusoro pezvo, iwe wauri mukuru paunonyoresa, iyo yepamusoro iwe yaunogona kunge uine.

Shandisa Medicare.gov chishandiso kubatsira kuenzanisa Medicare Supplement mareti.

Zviitiko zvinogona kukanganisa mutengo weako Medigap kufukidza zvinosanganisira:

• zera rako (mukuru iwe paunonyorera, paunowedzera kubhadhara)
• chirongwa chaunosarudza
• kana iwe uchikodzera kuwana mutengo (usingasvuti, mukadzi, kubhadhara zvemagetsi, nezvimwewo)
• yako inobviswa (chirongwa chepamusoro chinobviswa chinogona kudhura zvishoma)
• pawakatenga chirongwa chako (mitemo inogona kuchinja, uye chirongwa chekare chingadhura zvishoma)

Medicare Supplement kufukidza kunogona kuve kwakakodzera iwe kana:

• Iwe unosarudza kusarudza huwandu hwekufukidzwa kweyekunze-kwehomwe mari iwe yauri kutenga.
• Iwe unoda rubatsiro kuvhara-kwe-muhomwe mari.
• Iwe unotova neyakafukidzwa iwe yaunoda ekuona, mazino, kana kunzwa.
• Unoronga kufamba kunze kweUnited States uye unoda kugadzirira.

Medicare Supplement kufukidza kunogona kunge kusiri kukodzera iwe kana:

• Iwe uchitova nechirongwa cheMedicare Advantage. (Hazvibvumirwi nekambani kukutengesera iwe Medigap paunenge uine Medicare Advantage.)
• Iwe unoda kufukidzwa kwenguva yakareba-kwenguva refu kana yekuchengetedza varwere.
• Iwe haushandise yakanyanya hutano hutano uye hauwanzo kusangana neyako yegore inobviswa.

Kubatsira mumwe munhu kunyoresa?

Kunyoresa muMedare kunogona kuvhiringidza. Kana iwe uri kubatsira shamwari kana nhengo yemhuri kunyoresa, pane zvinhu zvishoma zvaunogona kuita kuti zviite nyore.

Heano mamwe matipi ekubatsira mudiwa wako kunyoresa muMedicare:

• Kurukurai zvavanoda nezvehutano uye kufukidza zvavanoda.
• Sarudza pane isingadhuri uye yechokwadi bhajeti yeinishuwarenzi.
• Gadzirira ruzivo rwako uye ruzivo rwemudiwa wako rweSocial Security. Ivo vangangoda kuziva kuti iwe ndiwe ani uye hukama hwako kune munhu wauri kubatsira kunyoresa.
• Taura nemunhu waunoda nezvekuti vangazoda here kuwedzerwa kufukidzwa senge Chikamu C kana Medigap.

Nepo iwe uchigona kubatsira mudiwa wako kuongorora zvirongwa uye kunzwisisa kwavo sarudzo, haugone kunyoresa mumwe munhu muMedare kunze kwekunge uine rakasimba simba regweta remunhu iyeye. Iri igwaro repamutemo rinokupa mvumo yekuita sarudzo wakamiririra mumwe munhu.

Kutora

• Medicare kufukidza inopa dzakasiyana siyana sarudzo sarudzo.
• Medicare Advantage inovhara yako chikamu A, B, uye kazhinji D inoronga uye zvimwe.
• Medigap inobatsira kubhadhara kunze-kwe-muhomwe mari senge copays uye coinsurance.
• Iwe haugone kutenga zvese zviri zviviri, saka zvakakosha kuti uzive zvaunoda uye sarudza sarudzo inonyatso kusangana navo.

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.