Kodi Mapulani a Medicare Advantage Amayenda Padziko Lonse?

Zamkati

• Kuphunzira koyambirira kwa Medicare kunja kwa United States
• Kupezeka kwa Medicare Advantage kunja kwa United States
• Kuphunzira kwa Medigap kunja kwa United States
• Ndi njira ziti za Medicare zomwe zingapereke mwayi wapaulendo wapadziko lonse mu 2020?
• Inshuwaransi ina yoyendera mayiko ena
• Kodi Medicare imakuphimba ngati mupita ku Puerto Rico?
• Kutenga

Nthawi yakwana kulembetsa ku Medicare, pali zinthu zambiri zofunika kuziganizira. Mapulani anu amtsogolo akuyenera kukhala amodzi mwa iwo. Ngati mukuganiza zakumayiko ena chaka chamawa, zitha kukhudza zisankho za inshuwaransi yazaumoyo wanu komanso zisankho za Medicare.

Medicare palokha satero kuphimba maulendo apadziko lonse lapansi. Komabe, malingaliro ena a Medicare Advantage (Gawo C) mwina onetsani zadzidzidzi zina ngati zichitika kunja kwa United States. Nthawi zambiri, mungafune inshuwaransi yowonjezera yowonjezera.

Ngati mukufuna kutuluka mdzikolo, ndibwino kuti muwunikenso tsatanetsatane wa Medicare yanu yapano kapena inshuwaransi yazaumoyo kuti mutsimikizire kuti mwaphimbidwa pakagwa mwadzidzidzi.

Ngati simunapezeke paulendo wapadziko lonse lapansi, mutha kuwona zina zomwe mungachite kuti muthandize kudzaza mipata iliyonse mukamakumana nawo. Tikuwunika zomwe mungasankhe, kuphatikiza mapulani owonjezera a Medicare (Medigap), inshuwaransi ya apaulendo kwakanthawi kochepa, kapena kufalitsa kwanthawi yayitali kudzera ku Medicare Advantage.

Kuphunzira koyambirira kwa Medicare kunja kwa United States

Medicare ndi chithandizo chazachipatala kwa anthu aku America azaka 65 kapena kupitilira apo. Dongosolo la boma lidagawika magawo anayi: A, B, C, ndi D.

Simungolembetsedwe m'mapulogalamuwa - muyenera kulembetsa munthawi yolembetsa. Mutha kusankha mapulani abwino azosowa zanu.

Anthu ambiri aku America amalembetsa ku Medicare magawo A ndi B. Kuti muyenerere kulandira ma Medicare ena, muyenera kulembetsedwanso m'magawo A ndi B.

Medicare Part B ndichofunika kwambiri kuchipatala komwe kumakhudza chithandizo chamankhwala akunja. Medicare Part A imapereka chithandizo kuchipatala. Ngati mukufuna chithandizo chamankhwala, ndiye kuti mungaganizire kusainira Medicare Part D.

Kupezeka kwa Medicare Advantage kunja kwa United States

Medicare Advantage (Gawo C) ndi njira ina yopezera chithandizo cha Medicare. Kutengera dongosolo lomwe mungasankhe, mapulani anu atha kuphatikizira masomphenya, kumva, mano, komanso mankhwala.

Madongosolo a Medicare Advantage nthawi zambiri amakulepheretsani kwa madokotala ndi malo omwe ali mu Health Maintenance Organisation (HMO) kapena Preferred Provider Organisation (PPO) ndipo atha kapena sangakwanitse kusamalira ma network.

Kuti mugule dongosolo la Medicare Advantage, muyenera kulembetsa kale mu gawo la Medicare A ndi B. Kupitilira kudzera mu pulani ya Medicare Advantage yomwe imaperekedwa kudzera pa inshuwaransi yaokha.

Madongosolo a Medicare Advantage atha kukupatsirani zina zowonjezera, monga mukamayenda.

Palibe malamulo omwe amalamula ngati Medicare Advantage ikwaniritsa zolipira zingapo zapachipatala chakunja.

Ndikofunika kuti mufufuze ndi omwe amakuthandizani ku inshuwaransi musanapite kukadziŵa kuchuluka kwa mapulani anu, ngati alipo, omwe akukhudzana ndi mavuto azachipatala apadziko lonse lapansi.

Kuphunzira kwa Medigap kunja kwa United States

Medigap ndi inshuwaransi yowonjezera yomwe imaperekedwa kudzera mu pulogalamu ya Medicare. Ndizosiyana ndi mapulani a Medicare Advantage momwemo satero kuphimba zinthu monga chisamaliro cha nthawi yayitali, masomphenya, mano, zothandizira kumva, magalasi amaso, kapena unamwino wapagulu.

Medigap ndi njira ina ya inshuwaransi yachinsinsi mkati mwa Medicare yomwe idapangidwa kuti ithandizire kulipira ndalama monga zochotseredwa, ma copay, ndi ntchito zina zamankhwala zomwe sizikupezeka ndi mbali zina za Medicare.

Mapulani a Medigap amapereka chithandizo cha chisamaliro chokhudzana ndi zovuta zamankhwala zomwe zimachitika mukakhala kunja kwa United States. Mtundu wa inshuwaransi nthawi zambiri umagwiritsidwa ntchito kupereka zopezeka pamaulendo apadziko lonse lapansi.

Medigap ingathandizenso kuchepetsa ndalama zochotsera komanso ma copay a inshuwaransi mukamayenda. M'malo mwake, kutengera dongosolo lomwe mwasankha, Medigap itha kubisa 80 peresenti yazadzidzidzi zamankhwala zamayiko mutakumana ndi deductible yanu ndipo muli mkati mwa malire anu.

Ndi njira ziti za Medicare zomwe zingapereke mwayi wapaulendo wapadziko lonse mu 2020?

Mapulani a Medicare Advantage atha kupereka kufalitsa kwapadziko lonse lapansi chifukwa ali kudzera mwa omwe amapereka ma inshuwaransi. Komabe, sizinthu zonse zomwe zimapereka chidziwitso chofananira.

Mapulani a Medigap amaperekanso mwayi wopezeka padziko lonse lapansi Muyenera kale kulembetsa ku Medicare magawo A ndi B kuti mukalandire Medigap. Popeza Medigap imaperekedwa kudzera m'makampani a inshuwaransi apadera, kuchuluka kwa chithandizo chamankhwala padziko lonse lapansi, ngati chilipo, kudalira dongosolo lomwe mumagula.

Ngati mukukonzekera kuyenda pafupipafupi, mungafune kulipira ndalama zambiri patsogolo pa Medicare Advantage kapena Medigap kuti muthe kulipira ndalama zakunyumba kwanu kapena kunja kwa dziko.

• Yambani molawirira. Yambani kufufuza njira zomwe mungasankhe pa Medicare miyezi ingapo kale mutakwanitsa zaka 65.
• Sonkhanitsani zikalata zofunika. Pang'ono ndi pang'ono, mufunika chiphaso choyendetsa, khadi yachitetezo cha anthu, ndi satifiketi yakubadwa. Mungafunike fomu ya W-2 ngati mukugwirabe ntchito.
• Mvetsetsani zosowa zanu zamakono. Dziwani kuti mumamuwona dokotala kangati chaka chilichonse, mankhwala angati omwe mumamwa, komanso zosowa zilizonse zamankhwala zomwe muli nazo.
• Dziwani bajeti yanu. Ganizirani ngati mukufuna kuwononga ndalama zina pazabwino zina zomwe Medicare Advantage (Gawo C) limapereka.
• Ganizirani zaulendo wanu. Ngati mukukonzekera kuyenda maulendo ataliatali, ganizirani zowonjezera za Medigap.

Inshuwaransi ina yoyendera mayiko ena

Ngati muli ndi bajeti, njira ina ndiyo kupeza inshuwaransi ya apaulendo yowonjezera. Iyi si inshuwaransi ya zamankhwala, koma m'malo mwake ndi pulani yaifupi yomwe imakhudza zoopsa mukakhala kunja kwa dzikolo. Muthanso kugula inshuwaransi yakanthawi kochepa kudzera paulendo.

Chosangalatsa ndichakuti muyenera kugula chiphaso pasadakhale kuti mudzayende. Simungagule inshuwaransi ya apaulendo mutangotuluka kale mdzikolo.

Komanso, sizinthu zonse zowonjezera zomwe zimafotokoza zomwe zidalipo. Ngati muli ndi thanzi labwino, onetsetsani kuti mwawunikiranso zina musanagule inshuwaransi yoyendera.

Kodi Medicare imakuphimba ngati mupita ku Puerto Rico?

Puerto Rico ndi gawo la U.S., chifukwa chake dongosolo lanu la Medicare lidzakhudza ulendo wanu wopita kuchilumbachi. Nzika zaku Puerto Rico ziyeneranso kulandira Medicare.

Malamulo omwewo amagwiranso ntchito kumadera ena aku U.S.

• American Samoa
• Guam
• Zilumba za Northern Mariana
• Zilumba za Virgin za ku U.S.

Kutenga

Ngati mungayende, mapulani a Medicare Advantage (Gawo C) atha kukhala ndi mwayi kuposa inu a Medicare magawo A ndi B. Komabe, popeza awa ndi mapulani a inshuwaransi yaumwini, Medicare Advantage sikuti imangolipira zokha pamaulendo apadziko lonse lapansi.

Ndikofunika kuti muwunikenso mfundo zanu musanayende ndikuganizira zowonjezerapo ndi a Medigap kapena inshuwaransi ya apaulendo ngati mukuda nkhawa ndi mtengo womwe ungakhalepo pachipatala mukakhala kunja kwa dzikolo.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.