Apo Chirwere Chepakutanga Chisingakwani
Hapana anoda kubatwa mumhepo ine dutu kubva kunze kwemari. Pane kudaro, tinoda kuti hutano hwedu huve hwakavharwa pasi pemuraira imwechete. Zviri nyore, zvakanaka, uye zviri nyore.
Unoitei kana hurongwa hwako hwehushuwarisi husingafukidzi maitiro ose aunoda? Iri dambudziko vazhinji veAmerica vanotarisana pavanenge vakakodzera kuMedare . Iwe unogona kuda kufunga zano rekuwedzera kuvhara kana iwe uye kana uchida.
Izvozvo zvinogona kureva kusarudza pakati peGirongwa reMedare Advantage uye chirongwa cheAdigap supplement.
Zvitatu Zvokudya Zvokudya Zvitatu
Pakutanga Medicare ndiyo inodhura ine Medicare yakasarudzwa. Dambudziko racho rinosiya chikamu chakakura pakugoverwa kwemabasa akawanda avo vakuru vanoshaya pavanenge vava nemakore, kusanganisira kugoverwa kwekugadzirisa lenses (contact lenses kana magirazi emaziso), mazino , uye manzwiro ekunzwa. Iwe unogona kusarudza kubhadhara mari iyo kubva muhomwe kana iwe unogona kutsvaga zvimwe zvekuchengetedza kuchengetedza mari yako pasi.
Kuti uite izvozvo, unogona kutenga chirongwa cheMedigap chekuwedzera chekushandisa neChirungu cheMuMutare chinyorwa, kana iwe unogona kusarudza imwe chirongwa cheMedare chirwere zvachose, chirongwa cheMederal Advantage .
Chaizvoizvo, une zvinhu zvitatu:
- Pakutanga Medicare ( Zvikamu A uye B ) ndoga
- Pakutanga Medicare neurongwa hweMedigap
- A Medicare Inobatsira chirongwa (Chikamu C)
* Iwe unogona kuwedzera Chikamu D chirongwa chekugadzirisa kune chero zviitiko izvi.
Iwe usati waita chisarudzo, ziva kuti zvinobudirira nehana ndezvipi zvezvinhu izvi zvose.
Makomborero ekutsvaga chirongwa cheMederal Benevantage Plan
Medicare Makomborero mazano ari Chikamu C cheMedare. Iwe une sarudzo yekusarudza yeAsia yeAreArtare kana chirongwa cheMederal Advantage, kwete zvose. Muna 2017, mamiriyoni 19 eMamerica, 33 muzana yevaya vari muMedare, vakasarudza zvirongwa zveMedare Advantage.
Heino zvikonzero nei.
- Zvimwe zvakabatanidzwa mabasa. Medicare Inobatsira zvirongwa zvishoma nezvinyorwa zvese izvo zvakagadzirwa neMedical Medicare. Ichi ndicho chirevo chinoiswa nehurumende. Zvichienderana nemutemo chaiwo weMedare Advantage iwe unosarudza, iwe unogonawo kuwedzera kugoverwa kwebasa risina kuvharwa neAsia Medicare.
- Zvimwe zvirongwa zvakakwana. Kana uchida mishonga yemishonga inoshandiswa , iwe unofanirwa kutenga chirongwa cheChikamu D mukuwedzera kuMutambo Wemutambo. Mishonga yakawanda yeMedare Inobatsira inosanganisira chikamu cheD D. Izvi zvinoita kuti zvinhu zvive nyore kwauri nekutarisa kwako chete kuti usayine purogiramu imwe chete. Inoderedzawo kuwanda kwemaimariyamu ayo iwe ucharipa mwedzi mumwe nomumwe.
Kukanganisika kweKutora Medicare Ropafadzo Plan
Chirongwa chakafanana neChirongwa cheMedare Advantage chinogona kuonekwa, chinenge chiine dambudziko. Funga izvi usati waita sarudzo yako.
- Nhamba shoma yevanopa. Iwe uchava nechepakati mutsara wevashandi vanozosarudza kubva pane pasi peMutambo waMutare. Izvi ndechokuti havasi vose vanopa Medicare vanotora chikamu muMishonga yeAdrible Benevantage. Izvi zvingaita kuti zvive zvakaoma kuwana rubatsiro mune dzimwe mamiriro ezvinhu.
- Mhanya nemashambarenzi emunhu oga. Zvikwata zve Premium zvichasiyana zvichienderana nehuwandu hwerongwa raunosarudza uye kambani yaunotenga kutenga kwako. Izvi zvinoreva kuti iwe unofanira kuita tsvakurudzo uye kutengesa kumativi ose kuti uwane zvakanakisisa kugadzirisa. Hurumende haina kutungamira kuti ingamani yekambani inogona kukubhadharai pamayero ehurukuro kana zvimwe kunze kwemari.
Chii Chinonzi Medigap Supplemental Insurance Plan?
Kana ukasarudza kugara neMuviri weMedare, iwe unogona kutenga chirongwa chekuwedzera cheMedigap kuti ubatsire kubhadhara mitero yako yeMedare . Kuti zvive zvakajeka, zvirongwa zveMedigap hazvifukidzi mazano ezvokurapa. Zvavanoita zvinoderedza mari iyo yaAsia yeMutare inotanga kubva patafura, zvinodhura sezvikwereti, kubhadhara, nekubhadhara mari.
Iwe haugone kuva neMedigap yekuwedzera purogiramu neurongwa hweMederal Advantage. Iwe unofanirwa kuita sarudzo - zvinonyanya kukosha kuti uve nehuwandu hwehutano hwezvehutano kana kudhura zvakaderera zvakadhura uye copays?
Medigap zvirongwa zvakanyorwa zita rokuti A kusvika N. Vanobhadhara pane zvamunoshandisa mari yekutengesa mari, kunyanya kubhadhara, kubhadhara mari, kubhadharwa uye kubhadhara mari kune dzimwe nyika.
Cherechedza kuti E, H, I, uye J zvirongwa hazvisati zvapiwa.
Kufanana neMishonga Inobatsira Mazano, Medigap zvirongwa zvinopiwa nemakambani einishuwarenzi ega ega asi mirayiridzo yehurumende inotsanangura zvavanofanira kuvhara. Chirongwa chega chega chakanyorwa chichava nehumwechete, kureva kuti chirongwa che F chiri chirongwa cheF chero kupi zvako chaunotenga. Iwe uchada kutengesa kumativi ose kuti uwane mazinga akanaka.
(Dis) Makomborero eMedicap Supplement Insurance Plans
Medigap zvirongwa zvinokupa iwe kuchinja. Iwe unogona kusarudza hurongwa hudiki kana huwandu hunobva pane zvaunoda iwe uchiri kuenderera mberi kuva nehuwandu hwehutano hwakawanda hweMedicare providers iwe haungakwanisi kuwana pasi peMurengeti Advantage.
Mubvunzo waunofanira kuzvibvunza ndeupi kana kuti mari yekubhadhara kwemwedzi pamwedzi yakakosha mari yaunoponesa mumutengo wekutanga weMedare.
Chikamu chinonyengera pamusoro peMicigap zvirongwa ndezvekuti vanogona kukutengesa iwe kana iwe une mamiriro ezvinhu akambovapo . Nguva ndeyezvinhu zvose, uye kana ukasasipo Nguva Yakanyora YokuNyoresa, kambani yeInishuwarenzi inokurudzira kuti ingakubhadhara zvakadini. Kuti uwane chiyero chisina kukanganiswa nemamiriro ezvinhu akambovapo, iwe unofanirwa kunyorera pane imwe nguva yakareba yewindo rinotanga paunotanga kuisa Chikamu B uye unoguma mwedzi mitanhatu gare gare.
*** Ivai nechokwadi kuti musingavhiringidzi kubhadhara inshuwarisi neyechipiri inshuwarisi. Mashoko aya anonzwika zvakafanana. Secondary inshuwaridzi inoreva kuti mune imwe chirongwa chehutano panzvimbo iyo ichabhadhara mabasa ehutano, kureva, chirongwa chehutano chinoshandiswa nevanoshandira, kubhadhara mari, kana VA kubatsira. Chirongwa cheMedigap hachiwedzere mamwe mahutano ezvehutano kana kuvhara.
Shoko kubva
Munhu wose ane zvakasiyana nezvido. Iwe chete iwe unoziva kuti iwe unoda zvakadini mumuviri uye zvauchakwanise kutenga. Funga zvakanyatsofunga nezvechisarudzo chipi chinonyanya kufunga nezvemamiriro ako ezvinhu. Iwe unofanirwa kusarudza kana iwe uchatora mari yakawanda nekusarudza chirongwa cheMedare Advantage chinopa mamwe maitiro kana chirongwa chekuwedzera cheMedigap chinoderedza maMedare epakutanga kunze kwemari yemari.
> Sources:
> Jacobson G, Damico A, Neuman T, Gold M. Medicare Mufaro 2017 Kutarisa: Kunyoresa Pepanhau Masoko. Nhare yeHenry J. Kaiser Family Foundation. Yakabudiswa naJune 7, 2017.
> Medicare Kubatsira. Nhare yeHenry J. Kaiser Family Foundation. http://www.kff.org/medicare/fact-sheet/medicare-kubudirira/. Yakabudiswa May 11, 2016.
> Chii chinonzi Medicare Supplement Insurance (Medigap)? Medicare.gov website. https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html.