Kuvhura Kunyoresa Haisi Yenyu Yega Yokusarudza
Kugadzirira chirongwa cheMedare kufanana nekutamba chess. Iwe unotamba kuti uhwine, munyaya ino, kuti uve nehutano hwakanaka hwehutano hwehutano. Izvozvo hazvirevi kuti iwe nguva dzose uchaita sarudzo dzakanakisisa munzira. Mashoko akanaka ndewe nguva dzose iwe une mukana wekuchinja sarudzo yako apo zororo rako rinouya rinouya. Shandisa zvinyorwa izvi panguva yekunyora kuti usarudze chirongwa chiri nani cheMedare.
Medicare's Open Registration Period
Nguva Yokunyoresa Nenguva imwe nguva gore negore apo munhu wose anogona kuchinja chirongwa chaMedare. Kubva munaOctober 15 kusvikira kuDecember 7, Kuverengwa Kwakasununguka kunokubvumira kuti:
- Shanduko kubva kuMuviri weMedare kune Mishonga Inobatsira kana kuti pasina Chikamu D chekushandisa zvinodhaka uye pamwe chete
- Kuchinja pakati peMedare Inobatsira zvirongwa kana kuti pasina Chikamu D kupindwa kwechirwere
- Kuchinja pakati peMedare Chikamu D zvirongwa
Izvo zviri izvo, pane imwe nguva dzimwe nguva mugore raunoda kuchinja chirongwa chako chaMedare. Pane huwandu hweKunyorwa kwakakosha Kwenguva yaunofanira kuziva pamusoro.
Nguva dzeKunyora Dzakasiyana-siyana Kubva kune Dzimwe Zvirongwa Zveutano
Iwe unogona kunge uchikodzera Medicare pamwe nekumwewo mapurogiramu ezvehutano. Kana izvi zviri izvo, iwe unogona kunge uine dzimwe nguva dzekunyora dzakapiwa kwauri.
- Kubatsira Kwakawedzerwa. Ichi chirongwa cheMedicare Savonga chinobhadhara kubhadhara chikamu cheD D sezvinobhadharwa mari, zvigadziriswa, uye peyamu . Zvichienderana nehuwandu hwekuwana mari yako, mari yako inogona kuderedzwa kana kusununguka. Paunenge uchikodzera purogiramu yeAd Additional Help, wakasununguka kuita chirongwa cheMedare chirongwa chero nguva. Zvisinei, kana iwe uchirasikirwa nekodzero yekupinda purogiramu, nguva yako yekunyora inoshandiswa kuchinja zvirongwa inowedzera kubva munaJanuary 1 kusvika kuChitatu 31 chete.
- Medicaid. Kunyange zvazvo Medicare chirongwa chinotarisirwa kutarisira vakwegura nevakwegura , Medicaid inotarisira kutarisira avo vane mari shoma. Vanhu vanogona kunge vakakodzera zvose Medicaid uye Medicare. Chikwerero chechipiri chinokupa mukana wekuchinja pakati pezvirongwa zveMedare panguva ipi zvayo panguva yekunyora kwako. Kurasikirwa neMedicaid kukodzera kunokusiya iwe nemwedzi miviri yakanyoresa Period yekuchinja zvirongwa.
- Purogiramu Yezvose-Kubatanidza Kubatsira Vakwegura (PACE). Iyi chirongwa chehutano yehutano inopiwa kuvanhu vane makore 55 nevekare vanofanirwa sevanoda imba yekuchengetedza vakwegura. Sezvo PACE inopa zvikwereti zvinokonzerwa nemishonga , kureva, kugoverwa kwakanaka seurongwa hweMedarere D, iwe haunzwisisi kudikanwa nemishonga yemishonga yeMedare. Iwe unogona kukonzera Medicare Advantage kana zvirongwa zveChikamu D panguva ipi zvayo. Unofanira kusiya PACE nokuda kwechikonzero chipi zvacho, une mwedzi miviri yekudzorera zvakare mune imwe chirongwa.
- State Pharmaceutical Assistance Program (SPAP). Kunyange zvazvo hurumende yehurumende ichipa rubatsiro rwezvechipiri, hurumende imwe neimwe inopa zvirongwa zvavo zvekuchengetedza mishonga yemishonga. Iwe unogona kuchinja kune chirongwa cheMedricare chinopa mishonga yekurapa zvinodhaka kamwe nguva yegore rega rega kana iwe uchikodzera imwe yeSPAPs idzi.
- TRICARE kana kuti Veteran's benefits. Ndinokutendai nokuda kwebasa renyu. Kana iwe uchikwanisa kuwana hutano hwehutano hunotungamirirwa nebasa rechiuto, iwe uchapiwa ruzivo rwekubhadhara zvinodhaka zvinodhaka. Iwe wakasununguka kubvisa Medicare Advantage kana chirongwa cheChikamu D panguva ipi zvayo pasina chirango.
Nguva dzeKunyora Dzakasiyana-siyana Kubva pane Kuchinja kune Mishonga Yenyu kana Zvimwe Zvirongwa Zvoutano
Kuchinja kune chirongwa chako cheMedricare kunogona kunge kusina kudzora kwako. Kana iwe ukazviwana uri mune imwe yemamiriro ezvinhu aya, unogona kunge uchikwanisa kuNyoresa Period Period.
- Hurumende yehurumende inogona kukonzera kontrakti yako neurandisiro yako. Iwe unogona kuchinja zvirongwa kutanga mwedzi miviri zvisati zvapera uye kupera mwedzi mumwe mushure mekunge kontati yacho yapera.
- Iwe unorasikirwa nekodzero yekushandisa zvinodhaka. Pasinei nokuti iwe une chirongwa chebasa, iwe unobatanidzwa, kana imwe hurongwa hwehutano, iwe unofanirwa kuziviswa kana chirongwa ichocho chichipa mishonga inowanikwa mishonga. Kana pane chikonzero chipi nechipi, chirongwa chacho hachikuzivise zvakanaka pamusoro peizvi kana kana chakashandura mararamiro avo kuitira kuti ruzivo rwavo ruve rusisiri kukwereta, une mwedzi miviri kuchinja zvirongwa zveMedare.
- Iwe unorasikirwa nehutano hwehutano kune imwe hurongwa. Iwe unogona kuchinja chirongwa chako cheMedare mukati memwedzi miviri kana iwe ukarasikirwa nekuwana kune dzimwe hutano hwehutano hwakanga uine, kusanganisira COBRA mazano, zvirongwa zvehutano zvakabhadharwa nevanoshandira, mauto ehondo, kana kubatana kwehurumende.
- Iwe unoda kunyoresa mune Five-Star Plan. Kana pane Five-Star Medicare Advantage kana chikamu cheD Part D munharaunda yako, unogona kutumira kune imwe nguva chero ipi zvayo kutanga naDecember 8 uye kunopera November 30.
- Yurogiramu yako yveshuwarisi haisi kuzovandudza chirongwa chako cheMedricare chegore rinotevera. Iwe unogona kuchinja hurongwa hwako kubva munaDecember 8 kusvikira paFebruary 28 / 29th.
Nguva dzeKunyora Dzakasiyana-siyana Kubva paunogara
Kusiyana neChirwere Chekutanga ( Chikamu A uye Chikamu B ) chinopa kugoverana kwakafanana kupi zvako kwaunogara munyika, Medicare Advantage uye Chikamu D inoratidzira paunzvimbo yekunze. Kufambira mberi kunogona kuchinja nzvimbo yako yeMedicare service, zvichiita kuti pave nechido chekuchinja zvirongwa.
Iwe unopiwa Nguva dzeKunyora Dzakakosha kuti uchinje zvirongwa mumamiriro ezvinhu anotevera:
- Iwe unopinda mukati kana kunze kwechiremba unyanzvi hwekurapa kana chipatara chekuchengetedza kwenguva refu. Paunenge uchigara mune imwe nzvimbo, iwe unogona kuchinja zvirongwa chero nguva. Kana ukangosiya nzvimbo iyoyo, une mwedzi miviri kuti uchinje zvirongwa.
- Unotamira kune imwe kero yeUnited States kunze kwepurogiramu yako yemazuva ano kana kuti enda kune imwe kero yeUnited States mukati meurongwa hwako hwemazuva ano asi pane zvimwe zvarongwa zverongwa zviripo zvino. Nguva yako yekunyora yakakonzerwa inobva paunozivisa chirongwa chako pamusoro pekutama kwako. Kana iwe uchivaudza usati waenda, unogona kuchinja zvirongwa mwedzi mumwe chete uye kusvika kumwedzi miviri mushure mekushandura kero yako. Kana iwe uchivataurira mushure mekufamba kwako, unopiwa mwedzi wawakataurira iwo uye mwedzi miviri gare gare kuti uite shanduko.
Panogona kuva nedzimwe nguva apo iwe wakanyoresa kuMedare asi haugone kushandisa shanduro. Zvirongwa zvako zvekugadzirisa zvinogona kuchinja nenguva yaunowana mukana wokushandisa Medicare.
Iwe unopiwa mwedzi miviri Inyoresa Nyaya Yakakosha yekuchinja zvirongwa mumamiriro ezvinhu anotevera:
- Iwe wakasunungurwa kubva mujeri. Medicare haibhadhara kutarisira kwakagamuchirwa panguva yekuiswa mujeri, kunyange iwe uri kunyora mubato. Pane kudaro, chirango chinotora chikwereti chacho.
- Unodzokera kuUnited States mushure mokugara kune imwe nyika. Medicare haibhadhari kutarisira kune dzimwe nyika , kunze kwezvinhu zvisingawanzoitiki uye kazhinji pazvinongoerekana zvaitika.
Izvi hazvirevi kuti iwe haufaniri kubhadhara mapeamisi ako aMedare kana iwe uchigara kunze kwenyika kana kana iwe ukazoiswa mutirongo. Kusabhadhara mari yako yepurayamisi kuchaita kuti iwe usagadziriswa kubva purogiramu yaMedare, zvichikusiya usina zvirongwa zveutano kana ukadzokera kuUnited States kana paunosunungurwa kubva mujeri.
Shoko kubva
Kuzarura Kunyoresa haisi nguva bedzi iwe unogona kuchinja zvirongwa zveMedare munguva yegore. Pane huwandu hweKunyora Kunokosha Kwemakore iwe unogona kushandisa zvakakosha kubva pane kuchinja kune chirongwa chako cheMedare chazvino, paunokodzera kune dzimwe hurongwa hwehutano hwehutano, uye kunyange paunogara. Ziva kodzero dzako uye shandisa mikana iyi kusarudza chirongwa chinonyatsoenderana nezvido zvako.
> Sources:
> PACE. Medicare.gov. https://www.medicare.gov/your-medicare-costs/help-paying-costs/pace/pace.html.
> Mamiriro akasiyana (Nguva dzeKunyora Dzakakosha). Medicare.gov. https://www.medicare.gov/sign-up-change-plans/when-can-i-join-a-health-or-drug-plan/special-circumstances/join-plan-special-circumstances.html.
> State Pharmaceutical Assistance Programs. Medicare.gov. https://www.medicare.gov/pharmaceutical-assistance-program/state-programs.aspx.
> Ndezvipi Vasungwa Vanofanira Kuziva . Social Security Administration website. https://www.ssa.gov/pubs/EN-05-10133.pdf.