Medicare Kubatsira Zvirongwa: Ndiani Anovapa Uye Maitiro ekunyoresa

Zvemukati

• Chii chinonzi Medicare Kubatsira (Medicare Chikamu C)?
• Ndiani anotengesa zvirongwa zveMedare zvinobatsira?
• Yakawanda sei iyo Medicare Advantage inodhura?
• Matipi ekusarudza iyo Medicare Kubatsira chirongwa
• Ndiani anokodzera Medicare Advantage Plans?
• Medicare kunyoreswa nguva dzakatarwa
• Kutora

Medicare Advantage ndeimwe nzira yeMedicare iyo inosanganisirawo kufukidza mishonga yemishonga, mazino, kuona, kunzwa, uye zvimwe zvehutano.

Kana iwe uchangobva kunyoresa muMedare, unogona kunge uchinetseka kuti ndiani anotengesa zvirongwa zveMedicare Advantage munzvimbo yako. Medicare Advantage inopihwa nemakambani einishuwarenzi akazvimiririra ayo ane chibvumirano neMedicare yekuvhara masevhisi ako ehutano.

Muchikamu chino, tichaongorora zvaunofanira kuziva nezve Medicare Advantage, maitiro ekunyoresa, uye zvaunotarisira kubva kumakambani anopa izvi zvirongwa.

Chii chinonzi Medicare Kubatsira (Medicare Chikamu C)?

Medicare Advantage, inozivikanwawo seMedare Chikamu C, ndeye Medicare inovhara iyo yega inishuwarenzi makambani anotengesa. Pamusoro pekufukidza Medicare Chikamu A uye Chikamu B, mazhinji zvirongwa zveMedare zvinobatsira zvakare zvinonyorera mishonga yemishonga, pamwe nemazino, kuona, uye kunzwa mabasa.

Mimwe Medicare Chikamu C inoronga kunyangwe kufukidza maricho ehutano sehutano hwemitezo uye mamwe masevhisi epamba epamba.

Mazhinji zvirongwa zveMedare zvinobatsira zvinovhara mabasa anotevera:

• chipatara chekuchengetwa kwechipatara
• kunze kwekurapa mabasa
• mishonga yemishonga
• mazino, kuona, uye kunzwa kwekunzwa
• mamwe marongero ehutano

Medicare Advantage zvirongwa zvinogona kuve sarudzo yakanaka kune vanhu vanoda kuwedzera kufukidzwa kupfuura Medicare zvikamu A uye B uye vakasunga zvese pasi pechirongwa chimwe.Medicare Chikamu C zvakare yakasarudzika sarudzo kune vanhu vanoda kusarudza kubva kwakasiyana hurongwa hurongwa, senge HMOs, PPOs, uye nezvimwe.

Chekupedzisira, yataura kuti Medicare Advantage inogona kukuchengetedza mari uchienzaniswa neyekutanga Medicare kana zvasvika kune zvekuchengetedza zvemidziyo mutengo.

Ndiani anotengesa zvirongwa zveMedare zvinobatsira?

Medicare Advantage zvirongwa zvinotengeswa nemakambani makuru einishuwarenzi akazvimirira, kusanganisira:

• Aetna Medicare
• Bhuruu Cross Bhuruu Shield
• Cigna
• Humana
• Kaiser Permanente
• SarudzaHutano
• UnitedHealthcare

Medicare Chikamu C zvinopihwa zvinosiyana nyika nenyika, uye yega kambani yeinishuwarenzi ine kodzero yekusarudza kana vachatengesa zvirongwa zveMedicare Advantage gore rimwe nerimwe.

Semuenzaniso, mamwe makambani anogona kupa zvirongwa mune mashoma masarudzo asi kwete mune mamwe. Izvi zvinoreva kuti kunyangwe shamwari yako ikasaina chirongwa cheMedicare Advantage munzvimbo yavo, chirongwa ichocho chinogona kusapihwa kwaunogara.

Kana iwe uri kutogashira masevhisi kubva kune mukuru weinishuwarenzi mupi kuburikidza newaunoshandira, unogona kusvika kunze wobvunza kana vachitengesa zvirongwa zveMedicare Advantage.

Imwe nzira yekudzokorora zvese zvako zvechirongwa ndezvekushandisa iyo yekutsvaga yekushandisa chishandiso chinopihwa neMedicare. Chishandiso ichi chinokutendera kuti utsvage uye enzanise zvirongwa zveMedicare Advantage muguta rako, dunhu, kana kodhi yekodhi.

Yakawanda sei iyo Medicare Advantage inodhura?

Medicare Advantage zvirongwa zvinosanganisira zvese zvepakutanga Medicare mutengo, pamwe nehurongwa-chaihwo mutengo. Iko hakuna mubhadharo mumwechete wekunyora muchirongwa cheMedicare Advantage nekuti pane zvakawanda zvinhu zvinogona kukanganisa zvauchabhadhara.

Zvese izvi zvinodhurirwa zvinokanganiswa nehurumende kwaunogara, mutengo wehupenyu, mari yako, kwaunoenda kunowana rubatsiro rwehutano, kangani iwe unoda masevhisi, uye kana iwe uchigashira chero rudzi rwemari rubatsiro.

Heano kuputsika kwezvaunogona kutarisira kubhadhara muna 2021 kana iwe uchinyoresa muchirongwa cheMedicare Advantage:

• Zviripo. Kana iwe usiri kukodzera kuwana-isina-chikamu Chikamu A, yako Chikamu A premium inogona kusvika kusvika $ 471 pamwedzi. Chikamu chePrim B chinodhura $ 148.50 pamwedzi kana kupfuura, zvinoenderana nemari yaunowana. Mamwe marongero eMedicare Advantage anozobhadharira aya emubhadharo wemwedzi wepayimari. Uye zvakare, nepo mamwe marongero eMedicare Advantage ari eprimiyamu-yemahara, vamwe vanobhadharisawo yega yega yemubhadharo wepurongwa.
• Zvinobviswa. Chikamu A chine mari inobviswa inoita $ 1,484 panguva yekubatsirwa. Chikamu B chine mari inobviswa inoita $ 203 pagore. Kana yako Medicare Advantage chirongwa ichivhara mishonga yemishonga, iwe unogona zvakare kuve nechikwereti chemishonga chinodhonzwa zvakare.
• Copayments. Imwe neimwe Medicare Kubatsira chirongwa ichave nemari yakatarwa yekubhadhara yekushanyira vese varapi vekutanga ekurapa uye nyanzvi. Mari idzi dzinogona kusiyana zvichienderana nehurongwa hwehurongwa hwako uye kuti urikugamuchira masevhisi kubva kune in-network kana wekunze-we-network mupi.
• Coinsurance. Chikamu A coinsurance inogona kuita madhora mashoma kunge $ 0 kana yakawanda se $ 742 pazuva, zvichienderana nehurefu hwekugara kwako muchipatara. Chikamu B coinsurance ndeye 20 muzana yeavo ese Medicare-anotenderwa ehutano masevhisi mushure mekubvisirwa kwakabviswa.

Matipi ekusarudza iyo Medicare Kubatsira chirongwa

Paunenge uchitsvaga rakanakisa Medicare Advantage chirongwa chezvaunoda, funga zvinotevera:

• mhando yekuvhara iwe yaunoda, iyo inogona kukanganisa rudzi rwehurongwa hwaunosarudza uye kuti ndedzipi mhando dzechipo zvipo zvekutarisa
• huwandu hweanopa mukana wekuchinjika iwe waunoda, izvo zvinogona kukubatsira iwe kuona kuti ndeupi rudzi rweAdvantage chirongwa chechimiro chekunyoresa
• avhareji pamwedzi uye pagore kunze-kwe-muhomwe mari yaunogona kubata, iyo inosanganisira maprimiyamu, zvakaderedzwa, macopayments, makondisheni, mishonga yemishonga, uye kunze-kwe-muhomwe maiyamu
• kangani iwe kaunoda kutarisirwa uye rudzii rwechengetedzo iwe yaunoda, iyo inogona kukubatsira iwe kunyoresa muchirongwa chinosangana nezvako zvemari uye zvekurapa zvaunoda

Mushure mekunge maongorora zvese zvinhu zvine chekuita nemamiriro ako ega, unogona kushandisa kutsvaga Medicare chirongwa chishandiso kuti uwane chaiyo Medicare Advantage chirongwa icho chinokushandira iwe zvakanyanya.

Ndiani anokodzera Medicare Advantage Plans?

Chero ani anonyoreswa muMedare Chikamu A uye Chikamu B anokodzera kunyoresa muMedicare Advantage.

Muna 2021, vanhu vane chirwere chekupedzisira renal chirwere (ESRD) vanokodzera kunyoresa munzvimbo dzakasiyana siyana dzeMedicare Advantage zvirongwa nekuda kwemutemo wakapihwa neCongress. Pamberi pemutemo uyu, marongero mazhinji aisazokubvuma kana kukuganhurira kune Yemamiriro Ezvinhu SNP (C-SNP) kana iwe uine chirwere cheESRD.

Medicare kunyoreswa nguva dzakatarwa

Paunenge iwe wagadzirira kunyoresa muchirongwa cheMedicare Advantage, iwe uchafanirwa kunyatsoteerera kune anotevera mahedheni:

Kutora

Mazhinji makambani makuru einishuwarenzi akatenderedza United States anotengesa zvirongwa zveMedicare Advantage. Medicare Chikamu C chirongwa chinopihwa hachina kuenzaniswa uye chakasiyana nedunhu nenyika uye pakati pemakambani.

Kana iwe ukanyoreswa mu Medicare Advantage, iwe unogona kutarisira kubhadhara ese epakutanga Medicare mutengo pamwe nechero Medicare Advantage chirongwa chemutengo.

Usati wanyoresa muMedare Chikamu C, ita shuwa yekuongorora yako wega mamiriro kusarudza yakasarudzika sarudzo yako yenguva refu yemari uye zvekurapa zvido.

Ichi chinyorwa chakagadziridzwa munaNovember 19, 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.