Nzira Yokugadzirisa Nayo Unyanzvi HweMutano Wenyu
Iwe une sarudzo apo iwe unyoresa kuMedare. Iwe unogona kunyora kuChechi yeMutare ( Chikamu A uye Chikamu B ) kana iwe ungasarudza chirongwa cheMedare Advantage . Zvese zvinodiwa nomunhu wese zvichave zvakasiyana kuitira kuti iwe unofanira kufungisisa zvakanyanya pamusoro pezvichakushandira zvakanakisisa kwauri. Nzira yakanakisisa yekuita sarudzo ndeyekuenzanisa musoro uyu weMedicare musoro.
Pakutanga Medicare
Kuwana: Une ruzivo rwakakwana munyika yose kune vapepa veMedare muzvinhu zvose zvinokosha .
Izvi zvingave zvakakosha zvakanyanya kufungisisa kana iwe uchigara mune imwe nzvimbo mune kushayikwa kwechiremba. Kana zvakadaro, iwe ungangodaro unoda kuwanikwa kunechiremba vakawanda sezvazvinogona.
Unyanzvi: Zvikwereti zvako zvinogona kubviswa zvakananga kubva kune yako Social Security check mwedzi mumwe nomumwe kana uchingotanga kuunganidza zvikwereti. Iwe haufaniri kunetseka pamusoro pekushayikwa kwemari kana kurasikirwa kwako kugoverwa kwekushaya kubhadhara.
Mutsara: Chekutanga Medicare yakafanana kune vose. Hakusi kusarudza kana kusarudza kuverenga kwako. Kana iwe uchida kupiwa mishonga yemishonga, iwe uchafanirwa kunyoresa muchikamu cheDe D.
Mwedzi miviri yeMwedzi: Chekutanga Medicare inowanzosvitsa kudarika chirongwa cheMedare Advantage. Iwe unobhadhara miriyamu yemwedzi pamwedzi yeChikamu B mwedzi mumwe nomumwe. Vazhinji vekuAmerica vanowana chikamu chePekutanga A pasina ruzivo kunze kwekuti vasina kushanda makore anopfuura makumi mana (gumi nemakore) emutoro weMedare-taxed.
Kunze kwePocket Limits: Hapana muganhu wekuti iwe ungabhadhara mari yakawanda sei kuMutambo weMedare kunze kwehomwe.
Izvi zvingakurumidza kutenga zvinodhura kana iwe uchida mishonga yakawanda yehutano.
Kuponesa: Kana uchinge uine mari shoma uye mari, unogona kukodzera kupinda muchimwe cheMedare Savings Plans kuchengeta mari pasi. Kunyanya, iwe unogona kuchengetedza kune coinsurance, minyorwa, zvinyorwa uye zvikwereti zveChikamu A, Chikamu B, uye Chikamu D.
Supplemental Insurance: Kana usina mari shoma, unogona kuwana nzira dzekuchengeta mari yekuongorora. Iwe unogona kuwedzera chirongwa che MediGap kuti ubatsire kubhadhara mari iyo yaAsia yeMutare inosimuka pafurafura, mari inofanana nekubhadharisa, kubhadharwa, uye kubviswa kweChikamu A uye Chikamu B.
Medicare Kubatsira
Kuwanika: Une kambani kadiki yevashandi vanogona kusarudza kubva muMedare Advantage network. Kana iwe uri mune imwe nzvimbo pane kushayikwa kwechiremba, izvi zvinogona kukanganisa kuwana kwako kune utano hwehutano.
Unyanzvi: Unogona kusarudza chirongwa che Medicare Advantage chinosanganisira Chikamu D chekushandisa zvinodhaka, chirongwa cheMa-PD. Muchiitiko ichi, hutano hwako hwehutano huchabatanidzwa mune imwe chirongwa.
Kuvhara: Ne Medicare Makomborero, unogona kusarudza uye kusarudza kuverenga kwako. Pakutanga Medicare haina kuvhara zvose. Zvimwe zvirongwa zveMederal Medicine zvinogona kupa humwe hutano hunodiwa.
Mwedzi miviri yepamwedzi: Iwe uchiripa mari yeB premium kuna hurumende asi iwe uchabhadharawo mwedzi wemwedzi wega wega kuti uwane chirongwa cheMedare Advantage. Apa ndipo apo Medicare Advantage inogona kudhura. Zvimwe zvirongwa zveMederal Medicine, zvisinei, zvingava premium pasina.
Kunze kwePocket Limits: Hurumende yehurumende inoisa muganhu wekuti iwe unogona kushandisa mari yakawanda sei kunze kwehomwe mari yeMagare Advantage zvirongwa gore roga roga asi nokuda kwebasa rakapiwa Chikamu A uye Chikamu B.
Murairo wakanyanya muna 2015 waiva $ 6 700 asi muganhu wekugadziriswa wakagadziriswa nevadziviriri vehupfumi waiva $ 3,000 - $ 4,000.
Purogiramu Yokuchengetedza: Iwe hauna kukodzerwa neMurongwa weMedarial Savings kana uri paMedare Advantage.
Supplemental Insurance: Hauna kukodzera chirongwa cheMedigap kana uri paMedare Advantage.
Kuchinja Mazano
Iwe hauna kubatwa muchisarudzo chako. Iwe unogona kunyange kutendeuka pakati peChechi yeMedare uye Medicare Advantage purogiramu panguva dzekunyora dzakanyoreswa .