Iko Pamwe Chete Inishuwarenzi Makambani Kutora Mari kubva kuHurumende
Iwe unogona kunge usingafungi huni, asi hurumende yehurumende inonyatsoita. Pamwechete inshuwarisi makambani angave achiita purogiramu kunze kwehurumende pavanokupa izvo zvinoratidzika se "zvekusununguka" zvekuchengetedza musha. Kana iwe wakambove uine huwandu hwehutano hweMedare huri mumba, ungave uchida kuziva kuti inshuwarisi yako ingashandise sei ruzivo rwehutano hwako.
Kusiyana kwepakati peMutambo weMedare uye Medicare Advantage
Pakupedzisira Medicare ndizvo zvamagara muchizivikanwa seMedare.
Yakavapo neSocial Security Amendments ye 1965 uye inopa zvose inshuwarisi yechipatara (Chikamu A) uye yehutano inshuwarheni (Chikamu B) . Muna 2006, Medicare Part D yakawedzerwa sechisarudzo chechikamu cheMedare icho chinopa mishonga yekurapa zvinodhaka .
Izvozvo zvinotsanangura Zvikamu A, B, uye D, asi zvakadini neChikamu C?
Apa ndipo apo Medicare Advantage inowanikwa. Medicare Chikamu C, Aka Medicare Advantage (yaimbova Medicare + Sarudzo), ndiyo imwe nzira yeChechi yeMedare . A Medicare Inobatsira chirongwa chingave kana chisingarevi chikamu cheDe D inobatsira.
Mishonga yose Inobatsira Mishonga inobata icho Chikamu A neChikamu B vanoita asi vanogona, kana vakasarudza, vanokupai mamwe mabasa. Sei? Nokuti panzvimbo pokumhanyiswa nehurumende, zvirongwa izvi zvinotungamirirwa nevanoshuwarenzi makambani.
Nzira iyo Federal Government Inoshanda Nawo Private Insurance Companies
Sei kambani yechuwarisi yega yega inoda kuisa vanhu kuMedare?
Nenzira, vabatsiri vangave vari makore 65 nekure kana kana vari vaduku, vachave nekuremara kwenguva refu . Hazvina mhosva kuti uri kutarisa sei, ivo vari pangozi yakakura yekuva nezvinetso zvechirwere zvisingagumi izvo zvingave zvichitsvaga mari yakawanda yekushandisa mari.
Makambani ekubhadhara-pinda akapinda mubhizimusi reMedare nokuti hurumende yehurumende inovabhadhara kuti vaite.
Hurumende inodzipa iyo "per capita" mwero mwedzi woga wekutarisira iwe. Izvi zvinoreva kuti pane mubairo wakaenzana wakabhadharwa nehurumende kumunhu mumwe nomumwe anozviratidza kumushonga we Medicare Advantage. Nhamba yekambani yemishuwarensi inobhadharwa, zvisinei, inowedzera nezvose zvisingagumi mune zvehutano uine. Izvi zvakavakirwa pamutambo wakaverengerwa weMederal risk risk assessment.
Mune Mishonga Inorwarisirwa Kushandiswa Kushanda
Iko kune inshuwarisi inonyanya kufarira kuwana ruzivo rwezvinyorwa zvakanyorwa zvechiremba zvinoratidzira sehuwandu hwehutano husingaperi sezvinogona. Nenzira iyi, vanogona kutora chikamu chepamusoro cheMedare chekuongororwa kwematambudziko uye mamwe masangano ekubhadhara mari.
Mubvunzo ndewekuti kana kwete ivo vachanyatsoshandisa iyo mari yakawanda yekukutarisira iwe kana kana vakasarudza kuisa mari iyo panzvimbo.
Muzvokwadi, vatsigiri vehupfumi havanzwisisi zvakakwana marekhodi enyu ezvehutano. Zvinyorwa zvezvokurapa zvakachengetedzwa nehutano hwehutano hwako, kwete kambani yveshuwarisi. Iyo inishuwarenzi inogona kuona chete kuongororwa kunokonzerwa navanachiremba nevamwe vatapi vezvoutano. Zvichida, pangangodaro kune ruzivo rwakarongeka pane zvekurapa chati iyo isingabhadharwi muhurongwa.
Kuti vawedzere maitiro avo ekuongorora zvirwere zveMedare, vashandi vako vangada kutumira chiremba wavo kumba kwako kuti uwane mashoko iwayo.
Havagoni kuvimba nemashoko akapiwa pamusoro pefoni. Kuti uwane ruzivo rwekuverenga kune chirwere cheMedare chekuongororwa, panofanira kuva nekutarisana chiso nechiso nemutapi wezvokurapa.
In-In Home Assessment
Imwe yunivhesiti yako ingasvikira kune imwe nzvimbo yekushanya kumba. Inogona kunyorwa kana gore rega rega kana rekugara zvakanaka. Chero nzira, vanosimudzira sangano senzira yekuvimbisa kuti vashandi vavo vane utano hwakanaka sezvinobvira uye vanochengeteka mudzimba dzavo. Zvichiri nani, vanozvipa pachena.
Iyo inyanzvi yekugadzira, uye vazhinji vakwegura vanochida. Iwe unowana awa yekusangana nenguva nechiremba mukunyaradzwa kweimba yako pachako kana iwe kazhinji uine nguva shoma muhofisi yechiremba.
Chiremba anoshanyira anoongorora mishonga yako, nhoroondo yako yezvechiremba, nhoroondo yemhuri yako, nhoroondo yako yevanhu, uye unoita kuongororwa kwakajeka kwemuviri kunosanganisira kuongorora kweropa chekuongorora . Kunyange zvazvo chiremba uyu asingakuchengetedzi kana kukupa iwe mishonga, ruzivo rwese rwakaunganidzwa ruchagoverwa newachiremba wako wepamusoro. Zvinonyanya kukosha, kwekambani yeinishuwarenzi, data yakagadzirirwa inogona kushandiswa kuwedzera mapiritsi ako ekuongororwa kwehutachiona.
Iko kushanyirwa kunovandudza hutano hwekutarisira mumwe munhu anogamuchira kwenguva refu here? Izvozvo hazvina kumboonekwa kuti ndizvo. Zvavakaratidzwa kuti vaite, zvisinei, ndezvekuvandudza nhengo yekuvimbika kune imwe chirongwa che inshuwarisi. Zvimwe zvakanyanya, zvakanyanya kuwedzera mari yekushandisa mari kuMedare.
Ichokwadi Chaicho Chirwere cheMedare Inobatsira
Pasinei nokuti unoenda kuMuyu Medicare kana Medicare Advantage nzira, iwe uchiri pachikwata chekubhadhara Chikamu A uye Zvikamu zveB B kune hurumende. Ndinofara, vanhu vazhinji vanogona kuwana zvikamu zvavo zveChikamu A pasina . Kana ukasarudza chirongwa cheMedare Advantage, unogonawo kubhadhara premium yemwedzi kune kambani ye inshuwarisi. Zvishomanana Medicare Makomborero mapurogiramu anowanikwa pasina purogiramu, kunyange vashoma varipo.
Kunyangwe kana chirwere chako chemishonga chaMedare chiri chakakwirira, chirongwa chako cheMedricare Advantage chichakubhadhara iwe zvakafanana. Inishuwarenzi yako ikambani inobata mari yakawedzerwa asi iyo mari haina kuiswa kwauri. Iko kambani inoritora iyo uye pakupedzisira inosarudza kuti ingashandise sei.
Inofungidzirwa kuti zvirongwa zve Medicare Advantage zvakapfuurira hurumende inoda kusvika $ 70 mabhiriyoni kubva muna 2008 kusvika muna 2013 zvichienderana nekugadziriswa kwakaitwa Medicare risk scores chete. Kana chiitiko chichienderera mberi, solvency ye Medicare (iyo nguva yakareba iyo Medicare Trust Fund ichagara) ingave pangozi.
Mubvunzo unoramba uripo: Is Medicare Advantage inobatsira zvachose kubva kune mari yekutsvaga mari? Muna 2012, The Commonwealth Fund yakawana kuti 75 muzana yemishonga yeArtare Advantage yakashandisa zvakawanda pamusoro pekuchengetedza kupfuura Chiremba. Medicare Inobatsira zvirongwa mune mamwe maguta, zvisinei, zvakabudirira zvakanyanya mukuchengeta mari shoma kupfuura Medicare yemazuva ano.
Tinokwanisa here kupa Medicare pamusoro kumakambani ehu inshuwarheni kana vachiramba vachiisa purogiramu pamberi pevanhu?
> Sources:
> Anopa Mishonga Inobatsira Mari Inoshandiswa Kupfuura Mishonga Yemazuva Ano Here? IWebwewealth Fund website. http://www.commonwealthfund.org/publications/issue-briefs/2016/jan/does-medicare-advantage-cost-less. Yakabudiswa naJanuary 28, 2016.
> How Medicare Advantage Plans work? Medicare.gov website. https://www.medicare.gov/sign-up-change-plans/medicare-health-plans/medicare-advantage-plans/how-medicare-advantage-plans-work.html.
> Medicare Kubatsira. Nhare yeHenry J. Kaiser Family Foundation. http://kff.org/medicare/fact-sheet/medicare-abatsire/. Yakabudiswa May 11, 2016.
> Shulte F, Donald D, Durkin E. Nei Mishonga Inobatsira Mari Inowedzera Vateresi Mabhiriyoni Zvisingaiti. The Center for Public Integrity website. https://www.publicintegrity.org/2014/06/04/14840/why-medicare-vanobatsira-costs-vatengi -billions-more-it-should. Yakabudiswa naJune 4, 2014.
> Kunzwisisa Kuchinja Kwengozi muMedare Inobatsira. The Better Medicare Alliance website. http://bettermedicarealliance.org/sites/default/files/Understanding_Risk_Adjustment_in_Medicare_Advantage_February_2016.pdf. Yakabudiswa muna February 2016.