Medicare chirongwa chehurumende yeUnited States inopa rubatsiro rwekubhadhara kubhadhara kwehutano nekurapa. Yakatanga kugadziriswa muna 1965 kubatsira avo vasina kukwanisa kuwana hutano kana kurapwa mumakore avo ekurega basa, kana avo vakanga vakagadzikana zvachose kubva kune dzimwe zvirwere zvakadai sekuguma-stedal renal disease . Nhasi, mamiriyoni evanhu vomuAmerica vane makore makumi matanhatu nemapfuura, uye mamiriyoni evanhu vaduku vanotambura nezvirwere zvakadai vanogamuchira rubatsiro rweMedare.
Ndiani Anotarisira Medicare?
Sangano re Medicare rinotungamirirwa neCenters for Medicare neMedicaid Services (CMS) pasi peDhipatimendi reMweya weUnited States uye Human Services (HHS). Inotsigirwa nehurumende yemitero kuburikidza nekubhadhara mubhadharo kubva panguva iyo munhu anotanga kuenda kushanda somunhu wechidiki, kuburikidza nekubvisa kwake kubva kubasa. Inotsigirwawo nezvikwereti zvinokonzerwa kune avo vasina kubhadhara zvakakwana pamakore ekushanda. Izvozvo zvinoreva kuti kana iwe wakashandira kurarama, iwe wakatobhadhara zvekuvharidzira Medicare kana zvimwe chikamu chacho.
Kana vagari vomuAmerica vachitendeuka makumi matanhatu nematanhatu, iye zvino anova akakodzerwa nehutano hweMedarere kubatsira kubhadhara utano kana kurapwa sezvinodiwa.
Medicare Zvikamu A, B, C uye D - Zvinorevei?
Kuputika kunowira munzvimbo ina dzakasiyana, inonzi "Zvikamu." Zvikamu zvakasiyana zvinoreva marudzi akasiyana ekutsigira kubhadhara uye kugoverwa kwakapiwa neMedare:
- Medicare Chikamu A chirwere chepachipatara chinotapukira, pamwe nevanamukoti vane unyanzvi, hospice, uye kutarisira utano hwepamusha
- Medicare Chikamu B ndechokushanyira vanachiremba uye mabasa ekudzivirira sekuongorora kuongorora
- Medicare Chikamu C ndicho chikamu chinovhara zvirongwa zveMedare Advantage izvo zvinotarisirwa kutarisirwa zvakapiwa nemakambani ari oga. Aya ndiwo mapurogiramu aungada kuti Medicare varwere vangasarudza kubhadhara zvakasiyana.
- Medicare Chikamu D chinodhaka kupindwa muropa nezvinodhaka.
Vose vanogamuchira Medicare vanowana zvishoma, rubatsiro rwekubhadhara ruzivo rweChikamu A, B, uye D rinosangana nechipatara chinogara, chiremba anoshanya uye kubhadhara mamwe madhiragi. Izvozvo hazvirevi kuti ivo vakasununguka - zvinongoreva kuti ivo vari kubhadhara chikwereti, zvichienderana nekubhadhara kwawakabhadhara mukati memakore enyu ekushanda (ona pasi apa) uye kuti chii chawakawana mari yegore rose. Iko mari inowedzera ichauya nenzira yepayamu uye / kana kubhadharwa.
Chikamu pasi peChikamu C chinoita mari yakawedzerwa uye inogona kusarudzwa nevaya vanogona kuigamuchira. Apo mumwe munhu anosarudza chirongwa cheMedareradhi kana chirongwa cheMedigap pasi peChikamu C, izvo zvinoreva kuti vachagadzirisa inshuwarisi yehutano hwavo sezvavakamboita kune Medicare avo makore, kuburikidza nemubhadhara wega. Zvisinei, sezvo ivo vari varwere veMedare, iyo mubhadharo wega wega ichabhadharwa nzira mbiri: naivo semunhu mumwe nomumwe, uye nehurumende yehurumende, zvakare.
Chii Chinonzi Medicare Coverage?
Izvo hazvingakushamisi kuti udzidze kuti mhinduro kumubvunzo webhadharo ndeyekuti, "zvinoenderana."
Kana iwe wakashandira hupenyu usati wava nemakore makumi matanhatu nemashanu, iwe wakabhadhara muMedarere kuburikidza nemushandi wako. Zvechokwadi, iwe wakanga uchitenga inshuwarhu yehutano yepamusoro-makore ako nemakore makumi maviri nemashanu ekubhadhara iwe wawakagamuchira.
Mari yakabviswa kubva pamari yako, uye dai yakanga isina kukwana, iwe wakabhadhara zvakanyanya paunenge waisa mari yako yemutero.
Zvichienderana nezvisarudzo zvaunoita zvemashure ma-65, iwe unogona kubhadhara zvimwe zvekuvharapa kwaMedare iwe uchifamba. Somuenzaniso, kana ukasarudza Medicare Advantage kana chirongwa cheMedigap iwe unogona kubhadhara miriyamisi yakawedzerwa, zvichida kuti uwedzere kufambiswa. Vazhinji veMedare varwere vanobhadhara mari yemari uye vanobhadhara pamwe chete, zvichienderana nemari yavo yegore negore. Zvichienderana neurongwa hwemishonga unosarudza, iwe unogona kubhadhara zvimwe kana zvishoma pamishonga yemishonga yaunoda iwe. Kana iwe uchida kuvharwa paunofamba kunze kweUnited States, kana kuti uchida imba yega yega muchipatara, unogona kubhadhara zvakare.
Ndizvo zvisarudzo, uye ukama hwavo nehutengo, izvo zvinoita kuti kunyora kuve kwakakosha kunokosha kubva panguva iyoyo apo varwere veMedicare vanosarudza zvavanoda panzvimbo yegore rinotevera.
Chii Chinobudiswa Pakunyoresa?
Kwemavhiki mashomanana panguva yekupedzisira kwegore rimwe nerimwe, Gumiguru kusvika December, avo vagari vanofanirwa neMurengeti gore rakatevera, vanogona kuita sarudzo pamusoro pemishonga yavo yeMedarere mugore iroro rinotevera. Iyi nguva inonzi Medicare Open Registration. Izvo zvakafanana nekunyoresa nguva yakanyoreswa inoshandiswa nevakawanda vehutano vehutano.
Pane zvipo zvakasiyana-siyana zvinofanira kuitwa panguva yaMurengeti yekunyora kusununguka. Kufanana nehutano hwehutano hwehutano, vakwegura vanogadzirisa zvisarudzo zvadzo izvo vanachiremba vavanoda kusarudza kubva kwavari, rudzii rwekushandisa zvinodhaka rinodiwa, kuti mari yakawanda yavanogona (kana kuti inoda) kutenga nezvimwe.
Gore roga roga pane kuchinja. Pachine zvishoma, iyo premium inoshandura shanduko. Kakawanda, marudzi ehuwandu hunochinja. Zvirongwa zvakapiwa gore rimwe chete zvinogona kubviswa kana kuwedzerwa nevanomwe vadziviriri vega vanopa Medicare Advantage chinyorwa.
Panewo kuchinja kwekushandurwa kwehutano hwehutano gore roga roga izvo zvinotarisirwa kuita kuti zvive nyore kuwana, zvimwe zvadzo zvinongororwa nezvehutano hwekuchengetedza.
Ndekupi Kwandinogona Kudzidza Zvakawanda Pamusoro Pamishonga?
Pane dzidzo dzakanakisisa dzinowanikwa kuti udzidze zvakawanda nezveMedare, kubvumirwa kwako, Kuzarura Kusununguka uye Medicare Advantage Plans, zvakare:
- Tsvaga ruzivo pamusoro peMedare Open Registration iripo kana inouya
- Tsvaga rubatsiro pakusarudza hurongwa hwakanakisisa kwauri kuburikidza nehurumende yeHIP yako (State Health Insurance Program)
- Dzidza zvakawanda nezveMagare Advantage Plans kana maDigigap .
- Kubva kuCMS - Centers for Medicare neMedicaid Services