Nei maMedare Ekubatsira Zvirongwa Mahara?

Zvemukati

• Chii chinonzi Medicare Kubatsira?
• Chii chakafukidzwa muzvirongwa zve'mahara '?
• Ichokwadi here 'yakasununguka'?
• Kubatsira kuronga mwedzi wepamberi
• Chikamu B mwedzi wepamberi
• Zvinobviswa
• Coinsurance / copayments
• Rudzi rwehurongwa
• Chii chinonzi Medicare mutengo?
• Medicare Chikamu A
• Medicare Chikamu B
• Dzimwe sarudzo
• Iwe unokodzera here Medicare?
• Iwe unokodzera here kune 'yemahara' Advantage zvirongwa?
• Kutora

Kana iwe wanga uchangotenga-tenderera uchitenga chirongwa cheMedicare Advantage, ungangodaro wakacherekedza kuti zvimwe zvezvirongwa izvi zvinoshambadzwa se "zvemahara."

Zvimwe zvirongwa zveAdvantage zvinonzi zvemahara nekuti zvinopa iyo $ 0 yemwedzi weprimiyamu kuti inyoreswe muchirongwa. Izvi zvinoita zero premium Medicare Advantage inoronga chipo chinokwezva kune avo vari kutsvaga kuchengetedza mari pamwedzi pamitengo yeMedare.

Ichi chinyorwa chichaongorora izvo izvi zvemahara Medicare Advantage zvirongwa zvinofukidza, ndezvipi zvimwe zvinodhura zvaungasangana nazvo, uye ndiani anokodzera yemahara Medicare Chikamu C chirongwa.

Chii chinonzi Medicare Kubatsira?

Medicare Advantage, inonziwo Medicare Chikamu C, inopihwa nemakambani einishuwarenzi akazvimirira kune vanhu vanokodzera vanoda zvinopfuura kufukidzwa kwekutanga kweMedare.

Medicare Advantage zvirongwa zvinopa zvinotevera zvinotenderwa kufukidzwa:

• Kuvhara muchipatara (Medicare Chikamu A). Izvi zvinovhara mabasa ane chekuita nechipatara, kuchengetwa kwehutano hwepamba, kuchengetwa kwevanochengetwa pamusha, uye kuchengetwa kwevakarwara.
• Kuvhara kwechiremba (Medicare Chikamu B). Izvi zvinofukidza kudzivirira, kuongororwa, uye kurapwa kwehutano mamiriro.

Mazhinji Advantage zvirongwa zvakare zvinofukidza zvimwe zvekurapa zvinodiwa, senge:

• kunyorerwa zvinodhaka
• mazino, maonero, uye kunzwa kwekuvhara
• kufukidza muviri
• mamwe maricho ehutano

Paunosarudza chirongwa cheMedicare Advantage kubva kune yega kambani, pane akasiyana marongero sarudzo aunosarudza kubva. Mazhinji mapiro ekubatsira ndeaya:

• Hutano Kuchengetedza Sangano (HMO) zvirongwa. Aya anovhara masevhisi kubva mu-network vanachiremba uye vanopa chete.
• Anosarudzika Provider Sangano (PPO) zvirongwa. Izvi zvinobhadharisa mitengo yakasiyana ye-mu-network uye kunze-kwe-network masevhisi.

Kune zvakare mamwe matatu marongero ezvirongwa zveMedare Chikamu C zvirongwa:

• Yakavanzika Mari-ye-sevhisi (PFFS) zvirongwa. Aya ndiwo marongero akakosha ekubhadhara ayo anopa anoshanduka kufukidzwa evanopa.
• Zvirongwa zveZvinodiwa Zvakakosha (SNP). Iyi ndiyo yekuvhara sarudzo kune vanhu vane nguva refu yekurapwa.
• Medicare Medical Savings Account (MSA) zvirongwa. Aya marongero anosanganisa hurongwa hwepamusoro hunobvisirwa hutano neaccount yekuchengetedza zvekurapa.

Chii chakafukidzwa muzvirongwa zve'mahara '?

Mahara Medicare Kubatsira zvirongwa ndeye Medicare Chikamu C zvirongwa zvinopa iyo $ 0 pagore premium.

Zvichienzaniswa nezvimwe zvirongwa zveMedare, izvi zero premium Medicare Advantage zvirongwa hazvibhadharise gore rimwe nerimwe kunyoreswa muchirongwa.

Iko hakuna kazhinji mutsauko mukuvhara pakati pechirongwa chemahara uye chirongwa chakabhadharwa. Pasinei nemubhadharo, mazhinji Medicare Chikamu C zvirongwa zvinopa zvikamu A uye B, mishonga yemishonga, uye kumwe kuwedzera kufukidzwa.

Saka, nei makambani achipa izvi zero premium Medicare zvirongwa? Kana kambani yabvumirana neMedare, inopihwa mari yakatarwa yekuvhara zvikamu zveA uye B inishuwarenzi.

Kana iyo kambani ikachengetedza mari kumwe kunhu, senge nekushandisa mune-network vanopa, inogona kukwanisa kupfuudza iyo yekuwedzera mari pamwe nenhengo. Izvi zvinogona kukonzera yemahara pamwedzi premium.

Aya emahara Medicare Kubatsira zvirongwa zvakare inzira huru kumakambani kushambadza inokwezva kuchengetedza kune vangangowana vanobatsirwa.

Ichokwadi here 'yakasununguka'?

Kunyangwe zero zero premium Medicare Advantage zvirongwa zvichitengeswa semahara, iwe uchafanirwa kubhadhara mari yekunze-yehomwe yekuvhara.

Kubatsira kuronga mwedzi wepamberi

Kana chirongwa cheMedicare Chakanakira chiri chemahara, haufanire kubhadhara mari yemwedzi kuti unyore.

Chikamu B mwedzi wepamberi

Yakawanda yemahara yeMedare Advantage zvirongwa zvichiri kubhadharisa yakasarudzika pamwedzi chikamu Chikamu B premium. Zvimwe zvirongwa zvichafukidza iyi mubhadharo, asi vamwe vangangodaro.

Chikamu B pamubhadharo wemwedzi wega wega chinotanga pa $ 135.50, kana zvichikwira zvichienderana nemari yaunotambira.

Zvinobviswa

Kune mhando mbiri dzegore rinobviswa dzinosanganisirwa nezvakawanda zvirongwa zveMedare zvinobatsira:

• Zano racho pacharo rinogona kubvisirwa gore rega rega, inova mari yekunze-muhomwe yaunobhadhara pasati yabhadharwa inishuwarenzi.
• Iyo zano inogona zvakare kukuchaja iwe mushonga unobvisirwa futi.

Coinsurance / copayments

Mazhinji Medicare Advantage anoronga kubhadharisa macopayments ekushanya. Kubhadharisa imari yekunze-kwehomwe iwe yaunobhadhara pese paunogamuchira rubatsiro rwekurapa.

Zvimwe zvirongwa zvinogona zvakare kubhadharisa mari yemubhadharo. Iyi ndiyo muzana yezvose zvokurapa zvinodhura zvaunosungirwa kubhadhara.

Rudzi rwehurongwa

Medicare Advantage zvirongwa zvinogona zvakare kusiyana mumitengo zvichibva pazvimiro zvavo. Semuenzaniso, PPO inoronga kubhadharisa akasiyana macopayment zviyero zvichibva nekuti mupi wako ari mu-network kana kunze-kwe-network.

Izvi zvinodhura zvinogona kutosiyana gore rimwe nerimwe. Semuenzaniso, zvirongwa zvePFFS zvakawana padiki muzana kuwedzera kwemitengo gore rega rega kwemakore mashoma apfuura.

Chii chinonzi Medicare mutengo?

Medicare haisi yemahara inishuwarenzi yehutano. Kune akawanda akasiyana emitengo anoenderana ne Medicare kufukidza.

Usati wanyoresa chirongwa cheMedicare Advantage, unofanirwa kunge uine zvikamu zveMedare uye kufukidza B. Pazasi iwe unowana iyo mari inosanganisirwa neaya marongero.

Medicare Chikamu A

Medicare Chikamu A inobhadharisa mari yemwedzi, iyo inogona kubva pamadhora mazana maviri nemakumi mana kusvika pamadhora mazana mana nemakumi mana nematanhatu. Nekudaro, vanhu vazhinji vanobvisirwa mari iyi.

Kana iwe wakabhadhara Medicare mutero paunenge uchishanda kana kugamuchira (kana uchikodzera) Yemagariro Kuchengetedzwa kana njanji pamudyandigere mabhenefiti, unogona kusunungurwa.

Medicare Chikamu A inobhadharisawo $ 1,364 inobviswa panguva yega yega yemubatsiro pamwe nemari yemubhadharo, iyo inotangira pamadhora 341 kusvika $ 682-plus.

Medicare Chikamu B

Medicare Chikamu B inobhadharisa mwero wepayimari pamwedzi we $ 135.50 kana kupfuura, zvinoenderana nemari yako yegore rose. Iwe uchave nechikwereti ichi Chikamu B chekutanga sechikamu chemahara chako chemahara Medicare Kubatsira kunze kwekunge chakafukidzwa nechirongwa.

Medicare Chikamu B inobhadharisawo madhora zana nemakumi masere nemashanu pagore, mushure meizvozvo unenge uine chikwereti chemakumi maviri kubva muzana pamari yese.

Dzimwe sarudzo

Kana iwe ukasarudza kunyoresa chirongwa cheMedicare chinowedzera seMedicare Chikamu D kana Medigap senge imwe nzira yeMedicare Advantage, iwe uchave nechikwereti chemwedzi wepayimari uye imwe mari inosanganisirwa nezvirongwa izvi.

Medicare Chikamu D uye Medigap mutengo unosarudzwa nehurongwa iwe hwaunosarudza.

Kusiyana neiyo yekunze-kwehomwe yakakwira nehurongwa hweMedicare Advantage, hapana muganho kune huwandu hwekunze-kwehomwe mari iwe yauchabhadhara kuMedare zvikamu A, B, D, kana Medigap.

Iwe unokodzera here Medicare?

Iwe unokodzera Medicare pasi pezvinotevera maitiro:

• Iwe une makore makumi matanhatu nemashanu kana kudarika. Wese maAmerican 65 kana kupfuura vanongoerekana vakodzera kuMedare. Unogona kunyorera Medicare kusvika pamwedzi mitatu usati wasvika makore makumi matanhatu nemashanu ekuberekwa.
• Une hurema. Kunyangwe iwe uri pasi pemakore makumi matanhatu nemashanu, unokodzera Medicare kana iwe ukatambira Social Security hurema kubhadhara. Social Security inopa hurema mabhenefiti kune angangoita gumi nematanhatu ekuremara.
• Iwe une ALS. Kana iwe uine ALS uye uri kugamuchira zviremara zvekuremara, iwe unobva wakodzera kuMedare.
• Iwe une yekupedzisira nhanho renal chirwere. Kana uine kusingaperi kweitsvo kukundikana, unokodzera Medicare. Zvisinei, zvakakosha kuziva kuti vanhu vane chirwere ichi havakwanisi kukwidziridza kuchirongwa cheMedicare Advantage.

Zvimwe zvirevo, sekugamuchira mabhenefiti ekuremara kwemwedzi makumi maviri nemana, zvinokunyoresa iwe muMedicare nemwedzi wechi25. Kana zvirizvo, haufanire kuzvinyorera wega kune Medicare zvikamu A uye B.

Nekudaro, kana iwe uchikodzera kuMedare asi usingangozvinyoresa, iwe uchafanirwa kunyorera paSocial Security's webhusaiti.

Iwe unokodzera here kune 'yemahara' Advantage zvirongwa?

Iko hakuna kukodzera kwemahara Medicare Kubatsira zvirongwa. Mazhinji madiro Ekubatsira anopa emahara pamwedzi epamuunzi sechikamu chehurongwa hwavo hwekuchengetedza hutano.

Unogona kuwana zvirongwa zveMedare Chikamu C munzvimbo yako ne $ 0 premium uchishandisa Medicare.gov's Tsvaga 2020 Medicare chirongwa chishandiso.

Munguva yekutsvaga kwako, unogona kushandisa "Ronga marongero ne: Akaderera pamwedzi wepimendi" chimiro kuti uone zero premium Medicare Advantage zvirongwa munzvimbo yako.

Imwe yedzakakosha nzira dzekutarisira yako Medicare mutengo ndeye kushandisa zviwanikwa zviripo kubatsira kuvhara kana kudzikisa mutengo wako. Izvi zviwanikwa zvinosanganisira:

• Medicaid. Chirongwa ichi chakabatsira kuvhara mari yekurapa kune vakawanda kupfuura vanhu vari mari shoma kana vasina zviwanikwa zvekubhadhara mari yekurapwa.
• Zvirongwa zveMedare Ekuchengetedza. Aya mapurogiramu anogona kubatsira vanowana mari yepasi pasi kubhadhara Medicare Advantage premiums, zvakabviswa, macopayments, uye coinsurance.
• Yakawedzera Yemagariro Chengetedzo. Iyi bhenefiti inopa vanhu vakaremara, mapofu, kana vanopfuura makumi matanhatu nemashanu kubhadhara pamwedzi, izvo zvinogona kubatsira kubhadhara mari yeMedare.
• Zvimwe zviwanikwa. Kune zvimwe zvirongwa zvinogona kupa rubatsiro kune vanhu vanogara mune dzimwe nzvimbo dzeUS kana vane yakakwira mishonga yemishonga inodhura.

Imwe nzira yekuchengeta yako Medicare Advantage mutengo ndeyekuteerera kune Hufakazi hweKubata uye Yegore Cherechedzo Yekuchinja inoona chirongwa chako chinokutumira gore rega. Izvi zvinokubatsira iwe kuramba uri pamusoro pechero shanduko dzemutengo kana kuwedzera kwemitero.

Kutora

Mahara Medicare Kubatsira zvirongwa zvirongwa zvakavanzika zveMedare inishuwarenzi izvo zvinopa iyo $ 0 yemwedzi wepayimendi.

Kunyange zvirongwa izvi zvichishambadzwa semahara, iwe uchafanirwa kubhadhara iyo yakajairwa kunze-kwehomwe mari yemamwe maprimiyamu, anoderedzwa, uye macopayments.

Kana iwe uchikodzera Medicare uye wakanyoreswa muzvikamu A uye B, unogona kushandisa iyo Tsvaga 2020 Medicare chirongwa chishandiso kutsvaga zero premium Medicare Advantage zvirongwa munzvimbo yako.

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.