Ndezvipi Zero Premium Medicare Kubatsira Zvirongwa?

Zvemukati

• Iko zero premium Medicare Kubatsira zvirongwa zvechokwadi zvemahara?
• Ko zero premium Medicare Advantage zvirongwa zvinoshanda sei?
• Iwe unokodzera sei zero premium Medicare mukana zvirongwa?
• Iwe unonyoresa sei muMedicare Advantage (Chikamu C)?
• Kutora

• Mazhinji Medicare Advantage mapurani ane $ 0 pamwedzi wepamberi.
• Nekudaro, zero pamwedzi zvirongwa zvepamberiinogona kunge isina "kusununguka" zvachose.
• Iwe unowanzo fanirwa kubhadhara imwe mari senge macopay, mari dzinobviswa, uye kusimbiswa kwemari, pamwe neako chikamu B chikamu.

Kana iwe uchitsvaga uchitenderedza chirongwa cheMedare, mikana iwe wakaona chirevo "zero dollar premium" chakanamatira kune mamwe marongero eMedicare Advantage.

Medicare Advantage (Medicare Chikamu C) chirongwa chekuchengetedza hutano icho chinopihwa nemakambani einishuwarenzi akazvimirira. Asi iwe unogona chaizvo kuwana chero chemahara?

Ngatinyatso tarisei zero zero premium Medicare Advantage zvirongwa uye kana ichi chingave chakanakira sarudzo yehutano hwako zvaunoda.

Iko zero premium Medicare Kubatsira zvirongwa zvechokwadi zvemahara?

Kunyangwe zvirongwa zveMedare zvinobatsira zvingave ne $ 0 premium, pane zvimwe zvinhu zvaunogona kubhadhara kunze kwehomwe. Mari idzi dzinogona kusanganisira:

• Copays. Kopa (copay) imari yaunobhadhara pabasa mushure mekunge wasangana neyako yaunobvisa. Izvi zvinogona kuve zvakakwirira nezvirongwa zvine yakaderera pamwedzi premium, nepo zvirongwa zvine yakakwira yemwedzi yepayimendi inogona kunge iine yakaderera macopay.

• Coinsurance. Coinsurance ndiyo huwandu hwauri kubhadhara kubhadhara sevhisi yakavharwa, kunyangwe mushure mekunge iwe wabhadhara yako inobvisirwa. Semuenzaniso, kana yako coinsurance iri makumi maviri muzana, iwe unobhadhara iyo yekutanga makumi maviri muzana yemari inokodzera, uye chirongwa chako chehutano chichafukidza zvese.

• Inobviswa. Iyo inobviswa ndiyo iyo huwandu hwaunosungirwa kubhadhara usati warongwa inishuwarenzi yako yatanga kubhadhara mugove wayo. Zvinobvisirwa kazhinji zvinokwidziridzwa nezvirongwa zvine maprimiyamu akaderera, zvichireva kuti iwe uchabhadhara zvishoma mwedzi wega wega mumaprimiyamu asi zvakanyanya muhomwe kune mamwe mabasa ehutano. Mushure mekunge iwe ubhadhare yako yakazara yakadhonzwa, chirongwa chako chehutano chinobhadhara yakawanda yemubhadharo wezvekurapa, asi iwe ungangodaro uchifanira kubhadhara copay kana coinsurance.

• Mamwe maprimiyamu eMedare. Kunyangwe uine chirongwa cheMedicare Advantage, iwe une basa rekubhadhara maprimiyamu ezvese zvimwe zvikamu zveMedare (zvikamu A, B, uye D) zvaunogona kuva nazvo. Vazhinji vanhu havabhadhare chikamu cheChikamu A, asi Chikamu B chine bhajeti yemwedzi wega wega.

Mazhinji zvirongwa zvehutano zvine huwandu hwakanyanya hunofanirwa kubhadhara munhu muhomwe. Kana mari iyoyo yangosvitswa, chirongwa chehutano chichafukidza zana muzana yemutengo wezvehutano zvezvegore rese.

Ko zero premium Medicare Advantage zvirongwa zvinoshanda sei?

Medicare Advantage zvirongwa zvinopihwa kwauri kuburikidza nekambani yeinishuwarenzi yakazvimiririra. Aya marongero anotsiva echinyakare Medicare kufukidza: Chikamu A kuva inishuwarenzi yechipatara, Chikamu B inishuwarenzi yekurapa, uye Chikamu D, icho chinopa mishonga yemishonga inovhara.

Zvichienderana nechirongwa chaunosarudza, chirongwa cheMedicare Advantage chinogona zvakare kuvhara mamwe masevhisi senge kunzwa, kuona, mazino, uye zvimwe zvirongwa zvehutano izvo zvechivanhu Medicare zvisingaiti.

Heano maitiro zero zero chirongwa chakagadzirwa. Kuchengeta mitengo yakaderera, iyo hurumende yemubvumirano inobvumirana nemakambani einishuwarenzi akazvimirira kuti vape hurongwa hwako. Kuburikidza nechibvumirano ichi, hurumende inobhadhara mari yakati sandara kukambani yeinishuwarenzi. Iyo kambani yeinishuwarenzi inozogadzira zvibvumirano nenetiweki yezvipatara kana vanopa, izvo zvinochengeta yako mitengo yakaderera chero bedzi iwe uchigara mune network.

Mazhinji zvirongwa zveMedare zvinobatsira iwe zvinopihwa kwauri ne $ 0 yemwedzi weprimiyamu nekuda kwezvikonzero zvishoma:

• Mariro yakaderera nekuti Medicare inobvumirana pamitengo ine network yevanopa zvehutano.
• Medicare Kubatsira zvirongwa zvinofukidza huwandu hwekuchengetedza uye zvirongwa zvehutano, izvo zvinoita kuti vatori vechikamu vave nehutano. Hutano hweanotora chikamu, iwo wakaderera mutengo wehutano hwavo.
• Kana ukasashandisa mari dzese dzakabhadharwa iyo Medicare inobhadhara yakazvimiririra inishuwarenzi kambani, iyo mari inogona kupfuudzwa sekuchengetwa kwauri, uchiita yako yekutanga $ 0 pamwedzi.

Iwe unokodzera sei zero premium Medicare mukana zvirongwa?

Iwe unokodzera kuwana zero premium Medicare Advantage chirongwa kana ukasangana neyakajairika chirongwa cheMedare chinokodzera zvinodiwa. Unofanira:

• kuva nemakore makumi matanhatu nemashanu kana kupfuura
• kunyoreswa muMedare zvikamu A uye B
• rarama munzvimbo yekufukidzirwa kune chero chirongwa chaunosarudza

Iwe unonyoresa sei muMedicare Advantage (Chikamu C)?

Kuti usayine chirongwa cheMedicare Advantage, tungamira kune webhusaiti yeMedare.gov uye shandisa chirongwa chekuwana chirongwa. Chikamu C zvirongwa zvinopihwa zvinosiyana nenyika, asi chishandiso ichi chinokutendera kuti utsvage marongero aripo munzvimbo yako nekupinda ZIP kodhi yako.

Kune dzimwe nguva dzekunyoresa dzakasiyana dzeMedare zvirongwa:

• Yekutanga kunyoresa nguva. Iwe unogona kutanga kunyoresa muMedare zvikamu A uye B mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu uye kusvika pamwedzi mitatu mushure mekuzvarwa kwako makumi matanhatu nemashanu.
• Vhura kunyoresa. Kana iwe uri kutsvaga kuita shanduko kune yako iripo Medicare chikamu A kana B kunyoresa, kana vari pamusoro pemakore makumi matanhatu nemashanu asi uchiri kuda kunyoresa, yakavhurika kunyoresa nguva ndeye Gumiguru 15 kusvika Zvita 7 gore rega.
• Medicare Kubatsira kuvhura kunyoresa. Izvi zvinoitika gore rega rega kubva muna Ndira 1 kusvika Kurume 31 uye zvinokutendera kuti uchinje kubva pane chimwe Chikamu C kuronga kune chimwe.

Kana iwe uri kubatsira mudiwa wako kunyoresa muMedare, yeuka ku:

• unganidza magwaro akakosha, senge kadhi rekuchengetedza vanhu uye chero magwaro einishuwarenzi
• enzanisa zvirongwa online kuburikidza nechirongwa chekuwana chirongwa cheMedicare.gov kana kuburikidza newebsite yekambani yeinishuwarenzi

Kutora

Zero premium Medicare Advantage zvirongwa zvinogona kuve sarudzo hombe kune vanhu vari kutsvaga kune bundle kana kuwedzera yavo iripo Medicare kufukidza. Ive neshuwa yekutsvagisa marongero musati wasarudza imwe kuti uve nechokwadi chekuti inovhara zvese zvaunoda.

Chinyorwa ichi chakagadziridzwa munaNovember 13, 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.