Wako mutungamiri kune Medicare kuvhura kunyoresa
KambaniKuvhura kunyoresa ishoko rezvehutano rinoreva nguva yegore rega kana iwe uchikwanisa kunyoresa mune nyowani, kana kushandura yako iripo, yehutano inishuwarenzi chirongwa.
Unogona kutanga kunyoresa muMedare kwemwedzi minomwe uchitanga mwedzi mitatu usati wasvitsa makore makumi matanhatu nemashanu, kana nguva yakatarwa mushure mekuti uve unokodzera kubva mukuremara. Kana, kana iwe ukashanda kupfuura zera makumi matanhatu nemashanu, iwe une mwedzi misere yakasarudzika yekunyoresa nguva mushure mekusiya yako yaunoshandira-inotsigirwa chirongwa. Aya maviri maMedicare ekunyora nguva akasiyana akasiyana neMedarere kuvhura kunyoresa.
Ndeipi Medicare yakavhurika kunyoresa?
Medicare yakavhurika kunyoresa kunoitika pakati Gumiguru 15 ku Zvita 7 pagore. Yako nyowani Medicare kufukidza ichatanga muna Ndira 1 gore rinouya.
Iyo nguva yakagadzirirwa kukupa iwe yakawanda nguva yekusarudza iyo chaiyo chirongwa, vachiri kuona kuti vanyoreswa vane yavo nyowani mitezo makadhi mumaoko panguva iyo matsva marongero matsva anotanga.
Maka iri murongedzeri wako, kana gadza chiitiko chinowanzoitika cheGoogle khalendari. Mazuva acho haachinje gore negore.
Ndeipi iyo Medicare yakavhurika kunyoresa nguva?
Medicare inoronga kuchinja kubva pagore kusvika pagore. Izvi zvinoreva kuti varapi uye maparamesi akabatanidzwa mu-network, kana mutengo wekuvhara hutano ungave wakasiyana. Uye saka nemamiriro ako ega. Pamwe une hutano hutsva hunouya nemushonga mutsva, uye izvo zvinoshandura chirongwa chako chemushonga. Kana, pamwe iwe wakavhiyiwa munguva pfupi yapfuura, uye kupora kwako kunoda nyanzvi nyowani kunze kwekuvhara kwako. Zvichida, iwe une 2-nyeredzi chirongwa, uye iwe waona kuti iwe unoda kukwidziridza kune iyo 5-nyeredzi chirongwa.
Gore rega rega, Chikamu D chinodhaka uye zvirongwa zveMedare zvinobatsira zvinogona kuchinja zvinhu zvakawanda nezve kufukidzwa, anotsanangura Diane Omdahl,mutungamiri uye muvambi we 65 Yakabatanidzwa , Medicare nhungamiro yebasa. Anoenderera mberi,Shanduko dzinogona kuitika kuchikamu cheD chikamu chinonyorwa chinodhaka chinosanganisira:
- iyo yekutanga
- maitiro ayo
- chikamu chemushonga
- iyo yegore inobviswa
- copayments kana coinsurance
- mitemo yekuvhara (danho rekurapa, mvumo yekutanga)
- network yemishonga
- ratings nyeredzi
Omdahl anotsanangura kuti zvirongwa zveMedicare Advantage zvinogona zvakare kuchinja ruzivo nezve kufukidzwa kwemabhenefiti ehutano, kusanganisira:
- mari yemwedzi
- iyo yegore kunze-kwe-muhomwe mari yekushandisa
- yezvokurapa inobviswa pagore
- kunze-kwe-muhomwe kudhura (copayments, coinsurance, zvinodhaka zvinodhaka)
- network yevanopa
- nyeredzi (mhando) ratings
- sarudzo dzekubatsira, senge chiono kana kufukidza mazino
Vhura kunyoresa ndiyo nguva yekugadzirisa kuitira kuti inishuwarenzi yako iratidze mamiriro ako e-up-to-date. Iwe unogona kushandura kubva kuOrth Medicare kuenda kuMedare Advantage, shandura Medicare Advantage zvirongwa, kana kunyoresa mune nyowani kana kushandura iripo Medicare Chikamu D chirongwa chemushonga chinodhaka.
RELATED: Ndinogona here kushandisa SingleCare kana ndiri paMedicare?
Iwe unoziva sei kana iwe uchida kushandura zvirongwa zveMedare?
Iyo inogara iri pfungwa yakanaka kuongorora zvinhu izvo chirongwa chako chazvino chinotumira iwe kuti uve nechokwadi chekuti hapana chero shanduko dzinoshanda kwauri, sengeUchapupu hweKubata (EOC) uye Chiziviso cheGore reShanduko (ANOC). Kana iwe wakazviita izvo, uye iwe uchifara neako kufukidza kana zvaunoda zvisina kuchinja, iwe haufanire kuita chero chinhu panguva yekuvhura pachena.
Kana hurongwa hwako hwave kumiswa, iwe unofanirwa kugamuchira chiziviso chisiri chekuvandudza naGumiguru 2 kubva kumutakuri wako.
Ndeapi zvirongwa zveMedare zvinowanika?
Unogona kutanga kuongorora sarudzo dzehurongwa hwekunyoresa pachena muna Gumiguru 1. Pane chitsva Medicare Chirongwa Finder chishandiso che2020, saka kunze kwekunge iwe wasarudza kushandisa chinyakare chishandiso, saiti inotaridzika yakati siyanei. Zvimwe zvezvirongwa zvinosanganisira:
- Medigap chirongwa
- Mutemo weMedigap
- Medicare Chikamu A
- Medicare Chikamu B
- Chikamu B chekutanga
- Medicare Chikamu C
- Medicare yekuwedzera chirongwa
Unogona kufananidza sarudzo dzekuvhara nekushanya Medicare.gov kana kufonera 1-800-MEDICARE. Unogona kutaura mumiririri chero nguva kuti utaure nemumiriri. Kana, kana usina chokwadi chekuita, panogona kuve ne kuzvipira kuronga , senge SHIP , munharaunda yako iyo inobatsira vakuru mukunyoresa mune yakanakisa chirongwa cheMedare.
Iko Medicare yakavhurika kunyoresa yakafanana neACA kuvhura kunyoresa?
Iyo musika yeiyo Affordable Care Act zvirongwa zvekuchengetedza hutano zvakare ine yekudonha yakavhurika kunyoresa nguva. Aya marongero ehutano anoitirwa vanhu vari pasi- kana vasina kuvimbiswa, uye kazhinji havasi vevanhu vanokodzera Medicare.
Ko kana ukatadza kunyoresa kwekutanga kana kuvhura?
Kana iwe usina kunyoresa Medicare panguva yako yekutanga kunyoresa nguva uye usingakodzeri kune yakasarudzika kunyoresa nguva, iwe unogona kunyoresa panguva ye nguva yekunyora yakawanda kubva Ndira 1 kusvika Kurume 31 gore rega, kunyangwe iwe uchigona kubhadhara chirango kana maprimiyamu epamusoro ekunyoresa kunonoka.
Kubva muna2019, unogona zvakare kuchinja kubva kuMedare Kubatsira kuenda kuOrth Medicare kana kuchinjira kune rakasiyana chirongwa cheMedare Kubatsira panguva ino.
