Kodi dongosolo la Medicare Advantage Limalowa m'malo mwa Medicare Yoyambirira?

Zamkati

• Medicare Yoyambirira ndi Phindu la Medicare
• Mankhwala Oyambirira
• Medicare Ubwino
• Kusiyana kwina pakati pa Medicare yoyambirira ndi Medicare Advantage
• Kuphunzira kwathunthu
• Kuphunzira mankhwala osokoneza bongo
• Zowonjezera zowonjezera
• Kusankha madotolo
• Zowonjezera
• Kukondweretsedwa koyambirira kwa ntchito kapena zopereka
• Kodi mumaphimbidwa mukamapita kunja kwa US?
• Phindu poyerekeza tebulo
• Kusiyana kwamitengo pakati pa Medicare Advantage yoyambirira
• Ndalama zotuluka m'thumba
• Malire apachaka
• Zolipira
• Tengera kwina

Medicare Advantage, yomwe imadziwikanso kuti Medicare Part C, ndi njira ina yosinthira, Medicare yoyambirira.

Dongosolo la Medicare Advantage ndi dongosolo la "zonse-m'modzi" lomwe limanyamula Medicare Part A, Gawo B, ndipo, makamaka, Gawo D. Mapulani ambiri a Medicare Advantage amaperekanso zabwino monga mano, kumva, ndi masomphenya omwe sanakhudzidwe ndi choyambirira Mankhwala.

Mapulani a Medicare Advantage amaperekedwa ndi makampani wamba omwe avomerezedwa ndi Medicare. Ayenera kutsatira malamulo operekedwa ndi Medicare.

Ngati mungaganize zokhala ndi pulani ya Medicare Advantage, mudzakhalabe ndi Medicare koma ambiri mwa Medicare Part A (inshuwaransi ya chipatala) ndi Medicare Part B (inshuwaransi ya zamankhwala) amachokera ku dongosolo la Medicare Advantage, osati Medicare yoyambirira.

Medicare Yoyambirira ndi Phindu la Medicare

Medicare Yoyambirira ndi Medicare Advantage ndi njira ziwiri zazikulu zopezera Medicare.

Mankhwala Oyambirira

Medicare Yoyambirira imaphatikizapo:

• Gawo A: kukhala kuchipatala kwa odwala, chithandizo chamankhwala kunyumba, chisamaliro m'malo ophunzitsira okalamba, chisamaliro cha odwala
• Gawo B: chisamaliro cha kuchipatala, chithandizo cha ambulansi, chithandizo chamankhwala, ntchito zina za dokotala, ntchito zodzitetezera

Medicare Ubwino

Mapulani a Medical Advantage amafotokoza zonse zomwe zaphatikizidwa mu Medicare Part A ndi Part B, kuphatikiza:

• Gawo D: malangizo (mapulani ambiri)
• zowonjezera zowonjezera (mapulani ena) kuphatikiza masomphenya, mano, ndi kumva

Kusiyana kwina pakati pa Medicare yoyambirira ndi Medicare Advantage

Kuphunzira kwathunthu

Ndi Medicare yapachiyambi, chithandizo chofunikira kwambiri chazamankhwala ndi maofesi m'maofesi a madokotala, zipatala, ndi malo ena azaumoyo amapezeka.

Ndi Medicare Advantage, ntchito zonse zamankhwala zomwe zimafunikira kudzera ku Medicare zoyambirira ziyenera kulipidwa.

Kuphunzira mankhwala osokoneza bongo

Ndi Medicare yapachiyambi mutha kujowina dongosolo lina la Gawo D, lomwe limaphatikizapo kufotokozera mankhwala.

Ndi Medicare Advantage, mapulani ambiri amabwera ndi Gawo D lomwe laphatikizidwa kale.

Zowonjezera zowonjezera

Ndi Medicare yoyambirira, mutha kugula zowonjezera, monga mfundo za Medigap, kuti mupeze zina zokuthandizani pazamankhwala anu.

Ndi mapulani a Medicare Advantage, simungagule kapena kugwiritsa ntchito njira zowonjezera zowonjezera. Izi zikutanthauza kuti mudzafuna kutsimikizira kuti dongosolo lomwe mwasankha lidzakwaniritsa zosowa zanu popeza simudzakhala ndi mwayi wowonjezera zowonjezera kuti muwonjezere kufotokozera kwanu.

Kusankha madotolo

Ndi Medicare yoyambirira, mutha kugwiritsa ntchito dokotala kapena chipatala chilichonse ku US chomwe chimatenga Medicare. Nthawi zambiri, simusowa kutumizidwa kuti muwone katswiri.

Ndi Medicare Advantage, nthawi zambiri mudzafunika kuti mugwiritse ntchito madotolo mu netiweki ndipo mungafune kutumizidwa kuti mukawone katswiri.

Zowonjezera

Original Medicare sapereka maubwino owonjezera, monga masomphenya, mano, ndi kumva. M'malo mwake, muyenera kuwonjezera pazowonjezera kuti mulandire maubwino awa.

Malingaliro ena a Medicare Advantage amapereka maubwino ena.

Kukondweretsedwa koyambirira kwa ntchito kapena zopereka

Ndi Medicare yoyambirira, simukuyenera kuti muvomerezedwe nthawi isanakwane kuti mupeze chithandizo kapena chithandizo.

Ndi Medicare Advantage, kuti muwonetsetse kuti ntchito kapena chithandizo chikukwaniritsidwa ndi ndondomekoyi, mungafunike kuti muvomerezedwe nthawi zina.

Kodi mumaphimbidwa mukamapita kunja kwa US?

Medicare yapachiyambi sikutanthauza chisamaliro kunja kwa US, koma mutha kugula malingaliro a Medigap ofanizira kunja kwa U.S.

Medicare Advantage nthawi zambiri sikutanthauza chisamaliro kunja kwa U.S. kapena chisamaliro chadzidzidzi kunja kwa netiweki.

Phindu poyerekeza tebulo

Kusiyana kwamitengo pakati pa Medicare Advantage yoyambirira

Ndalama zotuluka m'thumba

Ndi Medicare yoyambirira, mutakumana ndi deductible yanu, nthawi zambiri mumalipira 20% ya ndalama zovomerezeka ndi Medicare pazantchito zothandizidwa ndi Gawo B.

Ndi mapulani a Medicare Advantage mutha kukhala ndi ndalama zochepa poyerekeza ndi Medicare yoyambirira pazantchito zina.

Malire apachaka

Ndi Medicare yapachiyambi, palibe malire pachaka pamitengo yakunja.

Ndi malingaliro a Medicare Advantage pamakhala malire pachaka pamitengo yopanda kuthumba pantchito zothandizidwa ndi Medicare Part A ndi Gawo B. Mukakwaniritsa malire a mapulani anu, simudzakhala ndi ndalama zotulutsira mthumba zantchito zothandizidwa ndi Gawo A ndi Gawo B kwa chaka chonse.

Zolipira

Ndi Medicare yoyambirira, mumalipira gawo lililonse pamwezi wa Gawo B. Ngati mugula Gawo D, ndalamazo zimalipiridwa padera.

Ndi Medicare Advantage, mutha kulipira gawo la B ndikuwonjezera pa mtengo wake.

Madongosolo ambiri a Medicare Advantage amaphatikizira kupezeka kwa mankhwala osokoneza bongo, ena amapereka $ 0 premium, ndipo ena atha kuthandiza kulipira zonse kapena gawo la ndalama zanu za Part B.

Tengera kwina

Medicare Advantage sichilowa m'malo mwa Medicare yoyambirira. M'malo mwake, Medicare Advantage ndi njira ina m'malo mwa Original Medicare. Zosankha ziwirizi ndizosiyana zomwe zingapangitse munthu kukhala wabwino kwa inu.

Kuti muthandizire pazisankho zanu, mutha kupeza zambiri kuchokera kwa:

• Mankhwala
• 1-800 Medicare (1-800-633-4227)
• Mapulogalamu a State Health Insurance Assistance Programs (SHIPS)

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.