Apo Inishuwarenzi Makambani Ane Icho Ruoko Rukuru
Chimwe chinhu chisina kumira chinofanira kuva chiri nyore, chisingaiti, uye chisina kuoma. "Seamless kutendeuka" kweMedare, zvisinei, hazvina kuoma. Iyi ndiyo nharo inopikisa iyo inobata vanobatsiri vasingazivi. Vatsigiri vega vega vanobhadhara pamusana pekuti iwe haunzwisisi urongwa sezvo ivo vachikukumikidza kune zvirongwa zvisina kufanira zveMedare Advantage plans.
Kuti unzwisise kuti nzira iyi inoshanda sei, iwe unotanga kunzwisisa kunyoresa kunyoresa kunyoresa, ndiani akakodzera, uye nei iwe ungada kusarudza chirongwa cheMedare Advantage pamusoro peMutambo waMugare .
Ziva kodzero dzako uye uise chisarudzo kumashure mumaoko ako.
Kusiyana kwepakati peMutambo weMedare uye Medicare Advantage
Pakupedzisira Medicare yakatumidzwa nokuti ndiyo yaive Medicare yakatanga kuvapo kare muna 1965. Izvi zvinosanganisira Chikamu A , inshuwarisi yepachipatara inobata chirwere chekuchengetedzwa kwepatient and hospitress, uye Chikamu B , inshuwarisi yezvehutano inobatanidza mari yako yepasipo uye yekucherechedza kunogara .
Chikamu C, chinonziwo Medicare Advantage, zvisinei, ndiyo imwe nzira yeChechi yeMutara. Inobatanidza zvinhu zvose Zvikamu A uye B zvinodaro asi zvinogona kuwedzerwa mamwe mazano kumiganhu yayo yekugadzira iyo Original Medicare haina kuvhara. Zvichienderana nezvido zvekurapa kwako, unogona kusarudza kuenda kune chirongwa cheMedare Advantage panzvimbo yeChirwere cheMutambo asi uchengete mupfungwa iwe haugoni kuva nezvose.
Mariko-yakachenjera, anotarisira kubhadhara zvimwe zveMedare Advantage.
Vazhinji vekuAmerica vanogamuchira Chikamu A chesununguko. Iko kureva kuti, kana iwe kana wako wako wakashanda makumi mana muMedare-basa rezvemari, chikamu chako cheMwedzi A chemarikoni hachizobhadharwi. Munhu wese anotora chikamu cheBumbi B, idhora rinoshandiswa zvichienderana nemari yako.
Medicare Makomborero mazano ane premiums ivo pachavo.
Kunyange zvazvo urongwa hweMedicare Advantage huripo nokuda kwebasa rako reChikamu B, iwe unotofanira kubhadhara mwedzi miviri yePeam premium.
Kunyoresa Zvimwe Chete neSocial Security
Kunyoresa zvakakwana muMedare uye Social Security kunobatana. Vanhu vanogamuchira rubatsiro rweSocial Security vachazonyorwa mubhuku reMederal Original apo vanozofanira. Izvi zvinogona kuitika panguva yekutanga yekunyora Period paunenge wava nemakore makumi matanhatu nemashanu kana shure kwekunge uri mu Social Security Disability Insurance (SSDI) kwemwedzi 24.
Kana iwe wakashandisa mukati memwedzi mitatu yekutanga yeKunyorwa Kwekutanga Kwenguva, mibairo yako yeMedare inotanga zuva rokutanga romwedzi wekuzvarwa kwako kwema 65. Kana iwe ukashanda muhafu yepiri yeChinyo Chekunyora Period, zvikomborero zvako zvinotanga mukati memwedzi mitatu (mumwedzi 1 kana ukashandisa mumwedzi wako wokuberekwa, mumwedzi miviri kana iwe ukashandisa mwedzi mushure mekuzvarwa kwako mwedzi kana mumwedzi mitatu kana iwe shandisa mwedzi 2 kusvika ku3 mushure mekuberekwa kwako mwedzi). Munyaya yeSSDI, Medicare inobatsira inotanga mumwedzi we25 wekupora kwako.
Pasinei nokuti nzira yekunyora kunyoresa, mari yebhadharo yako yepamwedzi inobviswa pakarepo kubva kune yako Social Security check.
Kana iwe uchida chirongwa che Medicare Advantage panzvimbo yeMutambo waMutambo, unofanira kutora danho uye unyoresa chirongwa.
Kana nokuda kwechikonzero chero chipi zvacho iwe unosarudza iwe usingadi kubatanidzwa muMedare panguva yekunyora kunyoresa, iwe unoda kutora matanho obuda kunze. Ngwarira zvikuru pakuita chisarudzo ichi. Kuparadzanisa Chikamu Chinobatsirawo chinogumisa kuguma kwako kweHindu Security.
Vanhu vasiri kuwana zvekuchengetedzwa kwehupfumi hwekuchengetedzwa kwevanhu vanofanirwa kutora danho rokutanga uye vanyoresa kuMedarere ivo pachavo. Zvichida vaifanira kusvika kusina kutendeuka kutendeuka kwakauya.
Shanduko Yekutendeuka Kusina Kunaka
Kunyoresa zvakakwana kunogona kuchinja vanhu vasingagamuchiri rubatsiro rweSocial Security.
Seamless kutendeuka maoko ane simba pamusoro pemakambani epurashuga ega anosimbisa zvirongwa zveMedare Advantage. Kana iwe uri pane chirongwa chehutano chinopiwa neimwe yemakambani einishuwarenzi panguva iyo iwe unokodzera Medicare, kana iri iyo inogadziriswa Care Act chirongwa chehutano kana chirongwa chehutano chinoshandiswa nevashandirwi, kambani inogona kukunyora kamwe chete mune imwe yeiyo Medicare Advantage plans.
Pakutanga kuona, izvi zvingaita sechinhu chakanaka. Mushure mezvose, iyo nzira inogona kubatsira mumwe munhu anoda kugara nekambani yerinishuwarenzi. Izvo zvaizoita kuti zvigadzirise kutungamira, kubvisa danho riri mukugadzirisa, uye kubatsira kuramba uchienderera mberi nekambani. Izvo zvinogonawo kudzivirira kutengesa kwekupedzisira kunogona kubhadhara mazana kuzviuru zvemadhora kunze kwehomwe mari yevanhu vanyoresa nguva refu kuMedare.
Sezvo kune zvipo zvekutendeuka kusina kutendeuka, pane zvikanganiso zvakajeka.
- Mutengo. Pakupedzisira Medicare ndiyo yako yakashata yakasarudzwa, asi bhizinesi yega yega yehushuwarisi iri kufunga kuti iwe unoda kubhadhara purogiramu yakawedzerwa mwedzi wega wega nokuda kwerongwa hwavo hweMedarere Advantage.
- Kusarudza. Kambani inosarudza chirongwa chako. Vanokwanisa kutora chirongwa chinodhura zvikuru chekutyaira mari, kwete kwete chirongwa chinonyanya kubhadhara iwe kana kuti chinonyatsosangana nezvido zvako.
- Coverage. Usafungidzira chirongwa chawaiva nacho usati wafanirwa neMurengeti chirongwa chauchazoenderera pasi paMedarere Advantage. Iwe unogona kurasikirwa nekuwana kune vamwe vanachiremba, mitambo yezvipatara, mishonga, kana maitiro zvichienderana neMurongwa we Medicare Advantage unosarudzwa.
Kusina Kunaka Kwokushanda Kunoshanda
ICentral for Medicare neMedicaid Services (CMS) inoda makambani einishuwarenzi kuti akumbire mvumo yekubatanidzwa mukushandura kwakasununguka. Izvi zvinobvumira hurumende kutarisira protocol kusvika pane imwe. Iyo iyo inobatanidzwa kunze kwenyika chaiyo, zvisinei, yakaratidza kuva yakaoma.
An inshuwarisi anofanira kupa mubhadharo mazuva makumi matanhatu ekunyora kwekunyora kwavo muurongwa. Kana munhu iyeye asingatauri, kuverenga ikoko kunotanga kushanda. Dambudziko nderokuti kutumirwa kwekambani yeInishuwarenzi iyo inozivisa mupi weiyo chokwadi inogona kuvigwa pakati pevanourawa nekutumirwa kubva kune dzimwe makambani einishuwarensi vachikurudzira zvirongwa zvavo. Vakwegura vari kuvharwa nekutengesa zvinhu uye vanovhiringika pamusoro pekodzero dzavo.
Munhu anobatsira anogona kunge asingazvizivi pamushonga we Medicare Advantage kusvikira vawana mushumo wekutarisira wakaitwa kunze kwekutengesa kana kuti vanogamuchira kadhi re Medicare Advantage nechirwere chekutanga chechiremba rakanyorwa mairi.Chirango chacho chave chiri mari yepamusoro yezvokurapa uye kurasikirwa nekuenderera mberi kwekutarisira kune vakwegura vakawanda kwazvo.
A Hold but Not A Stop to Seamless Conversion
Dambudziko rekusununguka kutendeuka nderokuti vabatsiri vane sarudzo yekubuda-kunze asi kusarudza kupinda mune zvirongwa izvi zveMedare Advantage. Zvimwe chete, iwe uri kuiswa muurongwa uye unomanikidzwa kuupfurisa pane kupa rusununguko rwekusarudza pakutanga.
Mashoko akanaka ndeokuti CMS yakachengetedza kwenguva pfupi zvikumbiro kubva kumapuranga matsva einishuwarenzi achida kubatanidzwa mukushandura kwakasununguka. Nhau dzakaipa kusina kutendeuka kutendeuka kuchiri kunze kwezvirongwa izvo zvatove zvabvumidzwa.
Ziva kodzero dzako uye ramba uchitarisa maziso kubva kune tsamba kubva kuinishuwarensi yako iyo inogona kunge yakasununguka kutendeuka. Iwe unofanirwa urongwa hunoenderana zvakanakisisa nezvido zvako, zvose zvepanyama uye zvemari. Kana kusina kutendeuka kutendeuka kunobatsira iwe, ndizvo zvakanaka! Kana zvisingaiti, usazeza kusarudza uye kusarudza chirongwa cheMedare kana chirongwa cheMederal Advantage, pamwe nekambani yako ikozvino kana imwe kambani.
> Sources:
> Crochunis, M. Seamless Kubatanidzwa Kwevanhu Pavamwe Pakutanga Kufanirwa kweMedare. Zvikamu zveMedhareid uye Medicaid Services website. https://www.cms.gov/Medicare/Eligibility-and-Enrollment/MedicareMangCareEligEnrol/Downloads/HPMS_Memo_Seamless_Moratorium.pdf. Yakabudiswa naOctober 21, 2016.
> Medicare Muchengetedzeri Wekunyatsotarisirwa: Chitsauko 2 - Medicare Advantage Registration and Disenrollment. Zvikamu zveMedhareid uye Medicaid Services website. https://www.cms.gov/Medicare/Eligibility-and-Enrollment/MedicareMangCareEligEnrol/Downloads/CY_2016_MA_Enrollment_and_Disenrollment_Guidance_9-14-2015.pdf. Yakarongwa musi waSeptember 14, 2015.
> Chikamu C-MEDICARE + CHOICE Purogiramu: Kubvumirwa, Kusarudzwa, uye Kunyora. Social Security Administration website. https://www.ssa.gov/OP_Home/ssact/title18/1851.htm.