Ndirini Pandinogona Kuzvinyora Kubva Pangu Medicare Kubatsira Chirongwa?

Zvemukati

• Ndepapi pandinogona kunyoresa mukati kana kudonhedza chirongwa cheMedicare Chakanakira?
• Kutanga kunyoresa
• Vhura kunyoresa
• Kunyorwa kwakakosha
• Zvikonzero zvekudonhedza kana kuchinja chirongwa chako
• Maitiro ekusarudza iyo chaiyo yekuvhara iwe
• Matanho anotevera: Maitiro ekudzivisa kana kushandura zvirongwa
• Kutora

• Medicare Advantage zvirongwa zvinopa kufukidzwa kweMedicare yepakutanga asi kazhinji iine mamwe mabhenefiti.
• Kana ukangosaina Medicare Kubatsira, sarudzo dzako dzekudonha kana kushandura chirongwa chako dzinogumira kune imwe nguva nguva.
• Munguva idzi, unogona kudzokera kune yekutanga Medicare kana shandura kune imwe nzira yeMedicare Advantage.

Iwe waita yako tsvagiridzo uye waita kusvetuka kubva kwekutanga Medicare kuenda kuMedare Advantage. Asi chii chinoitika kana iwe ukachinja pfungwa dzako kana kusarudza kuti harisi iro zano rakakodzera kwauri? Kana iwe uchida kuzvinyoresa kana kushandura chirongwa chako cheMedicare Advantage, iwe unofanirwa kumirira kumwe kunyoresa windows, zvakafanana neapo iwe pawakatanga kusaina.

Tichaenda kune yega yega yenguva yekunyoresa, tsanangura rudzii rwehurongwa hwaunogona kusarudza mukati menguva idzi, kuti ungasarudza sei chirongwa chakanakira iwe, uye nezvimwe.

Ndepapi pandinogona kunyoresa mukati kana kudonhedza chirongwa cheMedicare Chakanakira?

Medicare Advantage inosarudzika Medicare chigadzirwa chaunotenga kuburikidza neyega inishuwarenzi mupi. Inobatanidza zvese zvinoitwa neyekutanga Medicare (Chikamu A uye Chikamu B) pamwe nekuwedzera kana kuita sarudzo senge Medicare Chikamu D yekuvhara mishonga uye yekuwedzera inishuwarenzi.

Iyo inozivikanwawo seMedicare Chikamu C, Medicare Advantage chirongwa chakazvimiririra chekubatanidza icho chinopa yakazara Medicare inpatient uye outpatient kufukidza pamwe nekuwedzera kufukidzwa uye masevhisi.

Kutanga kunyoresa

Iwe unogona kusaina kuMedicare Kubatsira kana iwe uchinge wakakodzera kuMedare. Iwe unokodzera Medicare pazuva rako rekuzvarwa makumi matanhatu nemashanu, uye iwe unogona kunyoresa kuchirongwa kwenguva yakareba yemwedzi minomwe (mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu, mwedzi wekuzvarwa kwako, uye nemwedzi mitatu mushure).

Kana iwe ukanyoresa panguva ino, ndipo paunogona kutarisira kufukidzwa kutanga:

• Kana iwe ukasaina kusaina panguva ye 3 mwedzi pamberi yako 65th zuva rekuzvarwa, kufukidzwa kwako kunotanga zuva rekutanga remwedzi mushure mekusvitsa makore makumi matanhatu nemashanu ekuberekwa (semuenzaniso: rako rekuzvarwa ndiMay 15 uye unosaina muna Kukadzi, Kubvumbi, kana Kurume, kufukidza kwako kunotanga musi waMay 1).
• Kana iwe ukanyoresa pamwedzi yezuva rako rekuzvarwa, kufukidzwa kwako kuchatanga mwedzi mumwe mushure mekunge wanyoresa.
• Kana iwe ukasaina kusaina panguva ye 3 mwedzi mushure zuva rako rekuzvarwa, kufukidzwa kwako kunotanga mwedzi miviri kusvika mitatu mushure mekunyora

Kana iwe ukasarudza chirongwa cheMedicare Advantage panguva yekutanga kunyoreswa, unogona kuchinja kune imwe chirongwa cheMedare Kubatsira kana kudzokera kuMedare yepakutanga mukati memwedzi mitatu yekutanga yekuvhara kwako.

Vhura kunyoresa

Mushure mekusayina panguva yekutanga kunyoreswa, kune mashoma chete nguva mukati megore paunogona kuchinja kana kudonhedza yako Medicare Advantage kufukidza. Iyi nguva inoitika panguva dzakafanana gore rega rega.

• Medicare yakavhurika kunyoresa nguva (Gumiguru 15-Zvita 7). Ino ndiyo nguva gore rega rega iwe yaunogona kuongorora yako yekuvhara uye nekuita shanduko kana zvichidikanwa. Munguva ino, unogona kuita shanduko kune yako yekutanga Medicare chirongwa, kusaina kune Medicare Advantage kana Medicare Chikamu D, kana kuchinja kubva kune imwe Medicare Advantage chirongwa kuenda kune chimwe.
• Medicare Kubatsira kwegore kusarudzwa nguva (Ndira 1 -Kurume 31). Munguva ino, unogona kubva paMedicare Advantage kudzokera kune yekutanga Medicare uye zvinopesana. Iwe unogona kuchinja kune imwe nzira yeMedicare Advantage kana kuwedzera Medicare Chikamu D kuvhara.

Kunyoresa mukati kana kuchinja marongero panguva dzino dzakatarwa kunogona kukubatsira kudzivirira zvirango zvekunonoka kunonoka.

Kunyorwa kwakakosha

Kune mamwe akasarudzika mamiriro ari kunze kwekutonga kwako, sekunge uchifanira kuenda kunzvimbo iyo chirongwa chako chisingashande. Mune aya mamiriro ezvinhu, Medicare inokutendera iwe kuti uchinje kunze kwenguva yakajairwa nguva pasina chirango.

Nguva dzakakosha dzekunyora dzinoshanda kana uchidzida. Semuenzaniso, kana iwe wafamba uye yako yazvino Medicare Advantage chirongwa hachifukidze iyo nyowani nzvimbo yaunogara, yako yakakosha kunyoresa nguva inogona kutanga mwedzi usati waenda uyezve 2 mwedzi mushure mekutama. Nguva dzakakosha dzekunyora dzinowanzotanga paunenge uchidzida uye dzinopedza ingangoita mwedzi miviri mushure mechiitiko chakakodzera.

Mimwe mienzaniso mishoma yezviitiko izvi ichave iri:

• iwe watamira mukati kana kunze kwenzvimbo yekugara yevanorwara (nzvimbo yevanamukoti vane hunyanzvi, hupenyu hwekubatsira, nezvimwewo)
• hauchakodzeri kufukidzwa neMedicaid
• iwe unopihwa kufukidzwa kuburikidza newaunoshandira kana mubatanidzwa
  

Tichakurukura zvimwe zvezvikonzero zvaungade kushandura zvirongwa muchikamu chinotevera.

Kunyangwe zvaunoda zvave zvachinja, wafamba, kana iwe haufarire chirongwa chako chazvino, nguva dzakasiyana dzekunyoresa dzinokutendera iwe kuti uite chero shanduko inodiwa. Izvi hazvireve chete kuti iwe unofanirwa kudzokera kune yekutanga Medicare - unogona kugara uchichinja kubva kune imwe Medicare Advantage chirongwa ichienda pane chimwe. Iwe unokwanisa zvakare kushandura tsamba yako yekunyorera zvinodhaka zvakare.

Zvikonzero zvekudonhedza kana kuchinja chirongwa chako

Kunyange kuedza kwakawanda kuchienda mukuita sarudzo yekutanga pane zvirongwa zveMedare, ungangoda kuchinjisa zvikonzero zvakasiyana siyana. Pamwe chirongwa chakachinja zvipo zvacho, kana zvaunoda zvachinja.

Kana yako Medicare Advantage chirongwa chisiri kuzadzikisa zvaunoda, ungangoda kudzokera kune yekutanga Medicare kana chinja Chikamu Chikamu C. Iwe ungangoda kuwedzera kana kushandura chirongwa chako chemushonga, chinja kune chirongwa cheMedicare Advantage icho chinofukidza vakapi vakasiyana kana masevhisi, kana kuwana chirongwa chinofukidza nzvimbo nyowani.

Zvimwe zvezvikonzero zvakajairika zvekuchinja zvirongwa zvinosanganisira:

• wafamba
• warasikirwa neyakafukidzwa yako yazvino
• une mukana wekuwana kufukidzwa kubva kune imwe sosi, kunge mushandirwi kana mubatanidzwa
• Medicare inogumisa chibvumirano chayo nehurongwa hwako
• mupiki wako anosarudza kusapa chirongwa chako zvakare
• unokodzera kuwana mamwe masevhisi, seRumwe Rubatsiro kana chirongwa chakakosha cheZvidimbu

Yese mamiriro ari pamusoro apa anokodzera iwe kunyoresa chaiyo nguva.

Maitiro ekusarudza iyo chaiyo yekuvhara iwe

Pane zvakawanda zvezvinhu zvekutarisa kana uchisarudza chirongwa cheMedare, uye zvaunoda kana mari zvinogona kuchinja munzira. Edza zvaunogona kusarudza pakutanga, kuchengetedza zvaunoda uye zvenguva yemberi zvekuchengetedza hutano uye bhajeti yako mupfungwa.

Medicare Advantage zvirongwa zvinopa sarudzo yekuwedzera masevhisi asi zvinodhura zvakanyanya kupfuura yekutanga Medicare. Mimwe yemitengo iwe yaunobhadhara kumberi neMedicare Advantage inogona kukuchengetedza mari mukufamba kwenguva, kunyanya pamamwe masevhisi sekuvharwa kwachiremba, chiratidzo uye kutarisirwa kwemazino.

Kana iwe ukaenda nechirongwa cheMedicare Advantage, iwe unofanirwa zvakare kuongorora chirongwa chehunhu uye kana vako varipo kana vakasarudzika vatapi vezvehutano nezvivakwa zviri mu-network. Enzanisa zvirongwa nokungwarira kuti uwane inoenderana nezvinodiwa zvako.

Iwe unofanirwa zvakare kuongorora ako ekunyora mushonga ekuronga sarudzo, uchifunga kuti ndeapi marongero anovhara yako mishonga. Chirongwa chega chega chinofanirwa kutsanangura mitengo yezvinodhaka zvakasiyana. Ita shuwa kuti chaunoda chakavharwa pamutengo iwe waunokwanisa kutenga.

Matanho anotevera: Maitiro ekudzivisa kana kushandura zvirongwa

Kana iwe uchinge wafunga kudonhedza kana kushandura chirongwa chako cheMedicare Advantage, danho rekutanga kunyora muchirongwa chitsva chawakasarudza. Ita izvi nekuzadza chikumbiro chekunyoresa nechirongwa chitsva panguva yakavhurika kana yakakosha yekunyoresa nguva kuti usarambe zvirango. Mushure mekusayina nehurongwa hutsva uye kufukidza kwako kwatanga, iwe unobva wakwanisiswa kubviswa kubva kuchirongwa chako chekare.

Kana iwe uchisiya Medicare Advantage kuti udzokere kune yekutanga Medicare, unogona kufonera 800-MEDICARE kuti utangezve yekutanga Medicare services.

Kana iwe ukapinda mumatambudziko, unogona kubata Social Security Administration, iyo inomhanyisa chirongwa cheMedicare, kana yako SHIP yemuno (State Health Insurance Assistance Chirongwa).

Kutora

• Medicare Advantage inoronga kuwedzera pane masevhisi uye kufukidzwa kunopihwa neyekutanga Medicare, asi inogona kudhura yakawanda.
• Kana iwe wakanyoresa chirongwa cheMedicare Advantage, unogona kushandura zvirongwa zveAdvantage kana kudzokera kuMedare yepakutanga panguva dzakati.
• Kuti udzivise zvirango, iwe unofanirwa kuchinjisa kana kudonhedza zvirongwa panguva yakavhurika kana yegore yekunyoresa nguva, kana kutarisa kuti uone kana uchikodzera iyo chaiyo kunyoresa nguva.

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.