Medicare HMO nePPO Coverage uye Options
Mushonga Wekupa Medicare Inobatsira inopiwa nemakambani ehutano ehutano ehutano anogamuchirwa neMedare uye ane kontiniti yekupa Medicare zvakabatsiro.
Chii Chinonzi Medicare Inobatsira Purogiramu?
Kana iwe uchibatanidza chirongwa cheMedare Advantage Plan, chirongwa ichi chinofanira kupa zvose zveChikamu A ( Chirongwa Cheshuwarisi) uye Chikamu B (Mishonga yeUrumende), kubatanidza nekukurumidza uye kutarisirwa kwekukurumidza.
Iyo chete inobatsira zvikuru isina kuvharwa nezvirongwa izvi ndeyekuchengetedza hospice - iyi inobatsira inogadzirwa neAsia yaMedare kunyange iwe ukasarudza Medicare Advantage Plan.
Mishonga yakawanda Inobatsira Mazano anoronga kuwedzera, zvakadai seono, kunzwa, mazino, uye kuongororwa kwepamusoro uye dzimwe zvirongwa zvehutano nehutano. Zvizhinji zvirongwa zvekushandisa zvinosanganisira Medicare mishonga yekurapa zvinodhaka ( Medicare Part D ).
Nyaya yeMedare Inobatsira Inotarisira zvirongwa zvekutarisira , kazhinji sangano rekuchengetedza hutano (HMO) kana sangano rinosarudza kupa (PPO). Zvirongwa izvi zvingada kuti iwe usarudze chiremba wepamusoro (PCP), tumira kutumira kubva kuPPP kuti uone nyanzvi, uye ushandise chete vanachiremba, zvipatara, nezvimwe zvivako zvezvechiremba uye mabasa ayo ari chikamu cherongwa hwehutano hwehutano .
Dzimwe makambani ehutano ehutano hwehutano anopa Medicare Advantage Plan inozivikanwa seParamende yePeople-for-Service (PFFS) iyo inogona kukubvumira kuona chero chiremba kana kushandisa chero chipatara cheMedare-chinogamuchirwa.
Zvisinei, kusiyana nekutanga Medicare, unogona kuva nebhadharo yekushanyira chiremba uye havasi vese vanotarisira vangada kukubata iwe. Zvisinei, mune chirongwa chePFFS, haufaniri kusarudza PCP uye iwe haufaniri kutumira kune imwe nyanzvi.
Chii chinonzi Medicare Inobatsira Purogiramu?
Mwedzi woga woga, Medicare inobhadhara purogiramu yako yakanakisisa mari yakatarwa kuti iwe upe kutarisira kwako.
Chirongwa chakanaka ichocho zvino chinotora kubhadhara chiremba wako, chipatara, uye vamwe vanoita basa.
Kunyange zvazvo urongwa hwako hwekushandisa hunofanirwa kutevera mitemo yaMurengeti, inogona kukubhadhara mari yepamusoro uye yekuwedzera kwemari yezvokubhadhara , zvakadai sokubhadharwa kwechiremba kushanyira, kubhadharwa kwezvigadzirwa zvechiremba zvinogara kwenguva refu (sechigaro chevhirichairi), uye negore rinokonzerwa mishonga yemishonga.
Iwewo unofanirwa neMedareti yako Part B yemwedzi purogiramu, iyo inotorwa kubva mune zvekuchengetedzwa kwehutano hwevanhu.
Semuenzaniso: George C. anorarama kuMassachusetts uye ane chirongwa cheMedare Advantage kuburikidza neAllon Community Health, chimwe chezvakanakisisa zvehutano zvirongwa munyika. Ane chirongwa cheHMO nekugadzirwa kwezvinodhaka. Mutengo wake wemwedzi wepamwedzi unodhura kuti chirongwa ichi chikwereti $ 208.40 (Medicare Part B premium ye $ 96.40 uye $ 112 inotambirwa neAllon). Uyezve, mari yake yepamusoro-soro inosanganisira $ 15 copay pakushanyira kwePCP imwe neimwe, $ 20 pamusangano mumwe nomumwe wezvenyanzvi, 10% kubhadhara kwezvigadzirwa zvemishonga zvakagadzikana, uye gore roga roga rinobviswa ra $ 310 pamishonga yemishonga.
Ndinosangana sei neHurry Advantage Plan?
Kazhinji, unogona kubatana nePirate Advantage Plan kana iwe une Medicare Part A uye Chikamu B uye iwe unogara mune imwe nzvimbo ine chirongwa chekubatsira chinogamuchira nhengo itsva.
Vamwe vanogadzirira kungovhara dzimwe nzvimbo mukati mehurumende uye unofanirwa kugara mune imwe yenharaunda iyo chirongwa chinopiwa.
Vamwe Mishonga Inobatsira Mazano anobata seminari dzemunharaunda kuti vaudze zvirongwa zvavo uye unogona kuwana uye kupedza basa repapapuro panguva iyoyo. Iwewo unogona kunyora nekushevedza hurongwa, kushanyira webusaiti yeurongwa, kana pa www.medicare.gov. Nzvimbo ye Medicare inoita kuti iwe uenzanise zvirongwa munzvimbo yako. Iwewo unogona kubatana nekudana Medicare pa800-633-4227.
Kana iwe uri kutenderera kune rimwe rakarongwa hurongwa, zvose zvaunofanirwa kuita ndezvekubatana neurongwa hutsva uye iwe pachako uchangozvitsaurwa kubva pane urongwa hwako hwekare.
Iwe hauzovi nehupi huchapera muhuwandu hwako.
Medicare muganhu kana iwe uchikwanisa kubatana, kuchinja, kana kuderedza Medicare Advantage Plan. Iwe unogona kubatanidza chirongwa apo iwe kutanga unotenderwa kuMedare. Iyi nguva ipi zvayo kutanga mwedzi mitatu pasati mwedzi iwe unosvitsa 65 uye unoguma mwedzi mitatu mushure memwedzi wawakashandura 65.
Somuenzaniso, kana ukasvitsa 65 musi waApril 28th, nguva yako yekufanirwa inotanga musi waJanuary 1 uye inopera musi waJuly 30th.
Kana iwe wakaremara uye une inshuwarisi yehupfumi yehupfumi, iwe unogona kubatanidzwa nepurogiramu yekubatsira kwemwedzi mitatu isati yasvika kumwedzi mitatu mushure memwedzi wako wemwedzi we25 wekuremara.
Iwe unogonawo kuchinja kana kuderedza zvaunobatsira panguva yekunyora nguva pakati peNovember 15 neDecember 31 wegore negore.
Kuti uwane mamwe mashoko pamusoro pekunyorwa kweMurengeti Advantage Plan, shanyira webhusaiti yeMedare.
Ndezvipi Zvimwe Zvandinoda Kuziva Nezverongwa hweMedare Rinobatsira?
Zvakakosha kuti iwe unzwisise kusiyana kwePakutanga Medicare uye Medicare Advantage Plans . Zvimwe zvinhu zvekuyeuka pamusoro pezvirongwa zvekushandisa ndezvi:
- Iwe unofanira kutevera mitemo! Semuenzaniso, kana iwe uri mune imwe hurongwa hurongwa HMO, unofanirwa kusarudza PCP uye unongoshandisa network network services.
- Iwe unogona kubatanidzwa nepurogiramu yekubatsira kunyange kana iwe uine imwe kana kupfuura yakawanda yakagara iripo . Hapana nguva yekumirira.
- Kana hurongwa hwako huripo hukasarudza kusazobatana neMedare, iwe unogona kubatanidza imwe chirongwa kana kudzokera kuMutambo Wemutambo.
- Kana hurongwa hwako husingawaniki hunosanganisira mishonga yemishonga, iwe unogona kubatanidza chirongwa cheMedareti D muhurumende yako. Zvisinei, maererano neMurengeti: "Kana uri muDhipare Advantage Plan iyo inosanganisira chirongwa chechirongwa chekushandisa zvinodhaka uye iwe unobata Medicare Prescription Drug Plan, iwe uchadzingwa kubva kune Medicare Advantage Plan uye uchadzoka kuMutambo Wekare."
- Chero bedzi iwe wakanyoresa muDhipariti yePurogiramu yekubatsira, haufaniri kutenga Medicare Supplement Insurance policy (Medigap). Zvechokwadi, hazvibvumirwe nemutemo kune munhu wose kuti atengese iwe mutemo weMedigap kana uri muurongwa huri nani. Zvikomborero zvakapiwa nemutemo weMedigap zvakafukidzwa nechirongwa chekubatsira kwako uye kubhadhara hakubhadhari nokuda kwezvakagadziriswa zvepurogiramu yako, zvikwereti, kana kubhadhara mari.
Medicare Inobatsira Mazano uye Kuvandudza Utano
Medicare Inobatsira zvirongwa zvinodhura hurumende yeHerald kupfuura yaMalawi. Kutanga muna 2012, Medicare inotanga kuderedza kudyidzana kwezvirongwa izvi.
Kana iwe ukanyoresa chirongwa che Medicare Advantage, iwe unogona kubhadhara premium yakakwirira kana kutarisana nezvishoma zvakabatsirwa. Zvisinei, zvirongwa izvi hazvikwanisi kuderedza chero hupi hwezvipo zvaunowanzozogamuchira kubva kuMedare.