Kudzokera kunogona kuva nguva yakaoma. Zviri nyore kune zviduku zvishoma kuti zvirasike mukutinhira kana kukanganwa. Musarega Medicare yenyu ichiparidzira ive imwe yemashoko iwayo.
Zvichienderana nerudzi rweMedare inotarisirwa iwe uye iwe uri kutamira kune rimwe guta kana kure, matanho aunoda kutora anogona kunge akajeka sekuzivisa Social Security Administration yekuchinja kero yako.
Zvisinei, vangave vakaoma sekukumbira nguva yekunyora yakasarudzwa , kusarudza hurongwa hutsva hwehutano, kutsvaga chiremba mutsva, nekuendesa zvinyorwa zvekurapa.
Rudzi rweMedareti Wave Uchitaura Zvaunoda Kuita
Sezvo mutemo wehuwandu, zvirongwa zvinoda kuti iwe ushandise ruzivo rwakasiyana rwevashandi vezvirongwa uye zvirongwa zvakasiyana kubva munzvimbo kuenda kune imwe nzvimbo zvichada kuchinjwa kana uri kutamira kunze kwebasa rebasa renzvimbo. Zvirongwa zvisingadi kuti iwe uzviise mune-network providers zvingasafanira kuchinjwa. Zvisinei, mitemo ine chokuita kana iwe unobvumirwa kuchinja zvirongwa, uye kana zvakadaro, nguva yaunobvumirwa kuchinja chirongwa, yakaoma.
Zvirongwa Zvakafanana KuUnited States yose
- Medicare Chikamu A
- Medicare Chikamu B
- Medigap standard-type zvirongwa
Zvirongwa Zvinoshandiswa kubva Munharaunda kuenda kuneNzvimbo kana Iyo Inogona Kuda Kuti Ushandise In-Network Provider
- Medicare Chikamu chekushandisa zvirongwa zvemishonga
- Medicare Chikamu C, zvimwe zvinonzi Medicare Advantage
- Medicare Sarudza, chirongwa chakasiyana cherongwa hweMedigap
Kana iwe une Medicare Chikamu A uye Medicare Chikamu B, unofanirwa kuzivisa Social Security Administration yekuchinja kero yako, asi haufaniri kuchinja zvirongwa nekuda kwekuti uri kutama.
Kana une Medicare Part D chirongwa, chirongwa che Medicare Advantage, kana Medigap Medicare Saronga hurongwa, unoda kuziva kana kero yako itsva ichiri mukati memuganhu webasa iri.
Kana zvikasadaro, iwe unogona kusarudza chirongwa chitsva chinoshumira vagari veunzvimbo yako itsva.
Medicare Inobatsira & Medicare Chikamu D
Kana iwe ukabuda kunze kwebasa rako reMederal Advantage plan kana kuti Medicare Part D chirongwa chebasa remunharaunda, unogona kushandura kune chirongwa cheMedare Advantage kana kuti Medicare Part D inopa kugoverwa munzvimbo yako itsva. Iwe unogona kuita izvi kushandura mwedzi waunofamba uye kusvikira mwedzi miviri mushure mokufamba kana iwe uchizivisa chirongwa chako chazvino usati wafamba. Kana iwe ukamirira kusvika mushure mekufamba kwako kuti uudze urongwa hwako huno maererano nekushandura kwekero yako, unogona kushandura zvirongwa mwedzi uye mumwedzi miviri inotevera.
Kana iwe uchisimuka kubva kune yako Medicare Advantage plan service nzvimbo uye ukundikana kunyoresa mune chirongwa cheMedare Advantage itsva munharaunda yako itsva, iwe unongotenderedzwa kudzokera kuAsia Medicare. Izvi zvichaitika apo chirwere chako chekare chemishonga chinokumanikidzwa kukutsaurira iwe nokuti hausi kurarama mukati memharaunda yebasa rayo zvakare.
Tarisiro yekutamira kana une Medicare Advantage
Tarisiro yekutamira kana une Medicare Part D
Kufamba mukati kana kunze kweMusha wevachengeti
Kana uri kutamira mukati kana kubva kunze kweimba yekurera, mitemo yakangosiyana. Iwe unogona kubva kune rimwe Medicare Advantage kana kuti Medicare Part D urongwa kune imwe.
Iwe unogona kuchinja kubva ku Medicare Advantage kuenda kuChechi yeMedare Inotakura A uye B, kana kushandura kubva kuAsia Medicare kuenda kune Medicare Advantage. Iwe unogona kuderedza chirongwa chako chaMedare Part D zvachose. Iwe unogona kuita shanduko idzi iwe uri muimba yevanotarisira, uye kwemwedzi miviri mushure memwedzi unobuda kunze kweimba yevanotarisira.
Medigap uye Kutamisa
Iwe unofanirwa kuzivisa kambani yeinishuwarenzi iyo inopa Medigap yako yekuwedzera yehutano urongwa huri kutamira, asi iwe ungasafanira kuchinja makambani eIndia yeInishuwarenzi. Medigap zvirongwa zvinowanzomirirwa munyika yose; somuenzaniso, Medigap Plan F inopa kufanana kwakafanana mune imwe nyika sezvainoita kune imwe nyika.
Saka, iwe unokwanisa kuchengeta chirongwa chimwechete cheMedigap uye kambani yveshuwarisi pasinei nekuchinja kwekero. Zvisinei, kana kurapwa kwechiremba kuchidhura munzvimbo yaunenge uchienda kune iyo yauri kutamira kure, kambani yako yeIndigap yunivhesiti inogona kubvumidzwa kuwedzera mwedzi wako wePamigap wepurogiramu yemwedzi.
Kana mhirizhonga yako yeMedigap iri chirongwa cheMedareti, imwe inokuda kushandisa sangano rehutano hwevashandi, mitemo yacho yakasiyana zvakanyanya. Kana iwe ukabuda kunze kweMutunhu weMedicare Select plan, iwe une kodzero yekushandura kune imwe mhirizhonga yeMedigap kana uchida. Nguva yaunobvumirwa kushandura zvirongwa haikwanisi, asi, saka chengeta nekambani yeinishuwarenzi iyo inopa Medicare Sarudza Sarudzo yako kuti uone kuti unonzwisisa tsanangudzo uye kutevera mitemo yose.
Zvimwe Zvokufungisisa
Iwe unofanirwa kuzivisa Social Security Administration yekero yako itsva pasinei nemhando ipi yemutachiona waunayo.
Kana iwe usingakwanise kuchengeta chiremba wako, unofanira kusarudza chiremba mutsva munzvimbo yako itsva. Chiremba wako mutsva wokutarisira mukuru angakwanisa kurumbidza nyanzvi itsva kana zvichidikanwa.
Kana ukashandura vanachiremba, uronga kuva nemabhuku ako ezvokurapa akaendeswa kune chiremba mutsva. Zvichiri nani, tora makopi kubva kunechiremba wako iye zvino, uye ruoko ugovaendesa kune chiremba wako mutsva.
Kana uchida mamwe mashoko, ruzivo rweMurenge rubatsiro rwa 1-800-MEDICARE. Kana, iwe unogona kutaurirana nemupi wezano kubva kuHurumende Health Insurance Assistance Program munharaunda yaunotamira kune imwe kana kutama kubva.
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