5 Kukanganisa Kwevanhu Vanoita Panguva yeMurenge Inyoresa Rusununguko

Tora nguva yekuita basa rako rechikoro

Medicare's Open Registration Period inouya gore raNovember 15 kusvika Dec. 7 gore rega roga. Uyu ndiwo mukana wako mukuru wekuita shanduko kubva kune chirongwa chaMedare iwe iye zvino unacho kune chinonyatsokodzera zvaunoda.

Kambani yese yehushuwarenzi ichada chidimbu chechipiri uye izvi zvinoreva kuti iwe ungangodaro wakabhodhirwa nezviziviso uye kukurudzirwa kunosiya bhokisi rako rema mail rinotarisa sechinhu chakaiswa muTurkey. Muedzo ndewokukandira zvose zvepepa iyo mumarara uye kuchengeta hurongwa hwaunahwo. Izvozvo zvingasava nguva dzose iri pfungwa yakanakisisa. Iwe unogona kutora nguva yekufambisa kuburikidza nemashoko aya kuti uwane rubatsiro ruri nani.

Pano pane zvikanganiso zvishanu zvinowanzoitwa nevanhu panguva yeMedricare Open Enrollment uye kuti vadzivise sei.

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Iwe Usingarevi Kuda Kurapa Drug Coverage

Mhinduro yebvi ndeyekusatenga mishonga yekurapa zvinodhaka nemishonga ye Medicare Part D kana iwe usingatori mishonga. Sei iwe uchibhadhara miriyamu yemwedzi pamwedzi pane chimwe chinhu chausingadi? Nokuti iwe unogona kutarisana nehupenyu hweChikamu D chirango chakakanganiswa apo iwe pakupedzisira unyoresa.

Sezvo nezvinhu zvakawanda muupenyu, kune chimwe chinhu. Kana iwe une chikwereti chekushandisa zvinodhaka kubva kune imwe nzvimbo (chirongwa chehutano chinoshandiswa nevanoshandira, Indian Health Service, Purogiramu Yese-Inobatanidza Kubatsira kune Vakwegura, TRICARE, kana kuti Veteran's Health inobatsira), unogona kumirira kuisa chikamu chechikamu cheDe D pasina kutarisana nemitongo. Kuvharidzirwa kunokweretesa kunoreva kuti kuvhara zvinodhaka kwakafanana neMedare. Zvimwe zvirongwa zvehutano zvinofanira kukuzivisa iwe kana zvikakoshesa mutemo uyu kuitira kuti iwe ugone kuita chisarudzo chakanaka pamusoro pekusayina chikamu D.

ZANO: Kana iwe usingatori mishonga yemishonga uye usina mari inobhadharwa kubva pane imwe hurongwa hwehutano, sarudza chirongwa cheDe D nedhigirii yakaderera zvikuru kuitira kuti uwane ruzivo pasina mari.

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Iwe Hausi Kuverenga Gore Rinoyera reKushandura KweGurongwa Rako

Pakupera kwegore rimwe nerimwe, Medicare Advantage yako kana chikamu cheDe D ichasunungura Annual Announcement of Change. Iyi nyanzvi inotsanangura kuti kuchinja kupi kuri kuuya mugore idzva pamusoro pemari uye kugoverwa.

Zvikwereti, zvinotambiswa, kubhadhara, uye zvikwereti zvisingauyi uye zvigaro zvekukwirira zvinogona kushamisa iwe unouya musi waJanuary 1 apo chirongwa chitsva chinopera. Kurasikirwa kugoverwa kwemashumiro kana mishonga yaunoshandisa nguva dzose inogona kukudhura iwe zvakanyanya mune zvehomwe mari.

ZANO: Verenga yako Annual Announcement of Change gore rega roga kuti uone kuti iwe unokwanisa kugadzirisa hurongwa hunovandudzwa mugore rinouya uye kuve nechokwadi kuti wakafukidzwa kune utano hwehutano hwaunoda.

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Iwe Unyoresa Purogiramu Yakadaro seShamwari yako kana Wawakaroorana naye

Vanhu vazhinji vanopinda chirongwa chehutano chaihwo chinobva kune mazano kubva kuvanhu vavanoziva. Zvichida shamwari kana muvakidzani kana kunyange wewakaroorana naye ave neruzivo rwakanaka neurongwa. Vamwe vanhu vanogona kusarudza hurongwa huchishandisa zita rake uye mukurumbira. Kunyange zvazvo izvi zvingava zvakanaka kuti vashandi vese vabatsirwe uye vasabatsirwe , musarega mazano aya uye ivo pachavo aita sarudzo kwauri.

Utano hwako hwakasiyana newe. Hapana anogovana nhoroondo yako yezvechiremba. Vangasave vari pamishonga imwe chete kana kushandisa madherechechete. Munyaya iyi, zvido zvako zvekurapa zvichasiyana neshamwari dzako nemhuri. Iwe unoda kuwana chirongwa chakakonzerwa nemamiriro ako ega kutanga.

ZANO: Zvirongwa kubva kumhuri neshamwari zvinogona kukubatsira kusarudza pakati pezvirongwa asi uone kuti zvirongwa izvi zvinosangana nezvido zvako zvekutanga uye zvakanyanya.

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Iwe Usatendeuka Kuti Uchengetedze Vanachiremba Vako

Kusiyana neChirwere Chekutanga, chinoshanda zvakafanana chero kupi zvako munyika, Medicare Advantage neChirongwa D yeDhipatimendi chinoshanda mumatare emunharaunda. Izvozvo zvinoreva kuti iwe unogona chete kushandisa vanoshandisa utano hwehutano mukati memutambo iwoyo kana iwe uchabhadhara nokuda kwekushanya kwavo muhomwe. Iko mari inogona kuwedzera nokukurumidza.

Mitambo inogona kuchinja chero nguva. Izvozvo zvinoreva kuti chirongwa cheMedare chinogona kukonzera mupiro kubva munhandare yaro, kwete nokuti pane nyaya nhaurirano pamusana pega asi nokuti pane kusagadzikana pamusoro pezvinoda zvibvumirano. Kana iwe uchida kuchengetedza mari uye uchengete vanachiremba waunoziva uye kuvimba, kana kana pane chiremba iwe uchida kuenda kune ichocho kwete mumutambo wako wezvino, iwe ungada kusarudza chirongwa chinosanganisira chiremba mumutambo wayo.

ZANO: Saronga chirongwa chine vapeki vako vese vehutano.

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Iwe Hausi Kutengesa Pasi Purogiramu Itsva

Iwe unogona kufunga kuti iwe unotova neurongwa hwakakwana. Yakafukidza zvose zvese zvehutano hwako mugore rapfuura uye yakauya pamutengo wakakodzera. Yakapawo basa rinogutsa revatengi. Izvi zvinoreva here kuti ichava chirongwa chakanakisisa kwauri iwe mugore idzva? Kwete hazvo.

Inishuwarenzi makambani ane chinangwa chekupa hutano hwehutano hwakanaka asi mune hurumende yevakuru, chinangwa chavo chikuru ndechekushandura purofiti. Neine madhora uye masentimiti ari kutarisa muwonesi, vatsigiri vanokwikwidzana pamwe chete mumusika uye izvi zvinogona kushanda zvakakunakira. Ichokwadi chiripo inogona kuva nezvikwata zvakawanda zvingasangana nezvido zvako. Tora nguva yekuona kuti inofananidzwa sei nekutora uye inosarudza iyo ichakuchengetedza mari yakawanda.

ZANO: Endai https://www.medicare.gov/find-a-plan/questions/home.aspx kuti muenzanise mari uye kugoverwa kwezvirongwa zvakasiyana.

The Big Mistake

Iko kukanganisa kukuru kwevanhu kunoitwa panguva yaMurengeti yeKubvumira kwaSvondo hakuiti kuchinja. Vanhu vakawanda vanotora nzira yekusagadzikana uye vanochengetedza zvirongwa zvavo zvezvino pasina kuongorora zvakare. Iko nguva dzose inofanirwa kunyatsotarisa kuona kana iwe unogona kutarisira zviri nani pane imwe mutengo.