Kodi Medicare Idzakuthandizani Kulipira Mano Anu Owona?

Zamkati

• Kodi mano ovekera ndi chiyani?
• Kodi Medicare imaphimba liti dentures?
• Ndi mapulani ati a Medicare omwe angakhale abwino ngati mukudziwa kuti mukufunikira mano opangira?
• Medicare Gawo A
• Medicare Gawo B
• Medicare Gawo C (Medicare Advantage)
• Gawo la Medicare D.
• Kusinkhasinkha
• Kodi ndi ndalama ziti zotulutsira thumba ngati muli ndi Medicare?
• Nthawi zolembetsa ku Medicare
• Nthawi yomaliza ya Medicare
• Mfundo yofunika

Tikamakalamba, kuwola kwa mano ndi kutayika kwa mano ndizofala kuposa momwe mungaganizire. Mu 2015, aku America adataya dzino limodzi, komanso kuposa kutaya mano awo onse.

Kutaya mano kumatha kubweretsa zovuta zina, monga kusadya bwino, kupweteka, komanso kudzidalira. Njira imodzi yothetsera mavitamini, yomwe ingakuthandizeni kuti mukhale ndi thanzi labwino m'njira zambiri, kuphatikizapo kukulitsa kutafuna chakudya chanu, kuthandizira nsagwada, kusunga mawonekedwe a nkhope yanu, ndikukutsitsirani.

Original Medicare (Medicare Part A) sichikuphimba ntchito zamano, zomwe zimaphatikizapo zida zamano ngati mano ovekera; Komabe, njira zina zosamalirira zaumoyo, monga Medicare Advantage (Medicare Part C) ndi ma inshuwaransi amano a inshuwalansi amatha kukuthandizani kapena kuchepetsa ndalama zomwe mumalipira m'thumba.

Kodi mano ovekera ndi chiyani?

Mano ovekera ndi zida zopangira mano zomwe zimalowetsa m'malo a mano osowa. Mano ovekera amakwanira pakamwa panu, ndipo amatha kukhala m'malo mwa mano ochepa omwe akusowa kapena mano anu onse.

"Mano oboola" amangotanthauza mano abodza omwe angakwane pakamwa panu. Kawirikawiri, amachotsedwa. Mano ovekera si ofanana ndi amadzimadzimadzinso a mano, milatho, korona, kapena opaka mano.

Kodi Medicare imaphimba liti dentures?

Ngati muli ndi thanzi labwino lomwe limafunikira kuchotsa mano anu, Medicare imatha kukufotokozerani za kuchotsa mano. Koma choyambirira Medicare sichikuphimba mano a mano amtundu uliwonse, pazifukwa zilizonse.

Ngati mumalipira dongosolo la Medicare Part C (Medicare Advantage), dongosolo lanu lingakupatseni mwayi wopezera mano, kuphatikizapo mano. Ngati muli ndi Medicare Advantage, muyenera kuyimbira omwe amakupatsani inshuwaransi kuti mutsimikizire kuti muli ndi chimbudzi cha mano. Funsani ngati pali zina zomwe muyenera kukwaniritsa kuti mukwaniritse izi.

Ndi mapulani ati a Medicare omwe angakhale abwino ngati mukudziwa kuti mukufunikira mano opangira?

Ngati mukudziwa kuti mudzafunika mano opangira mano chaka chino, mungafune kuyang'ana momwe mungapezere thanzi lanu kuti muwone ngati mungapindule posintha ndondomeko ya Medicare Advantage. Ma inshuwaransi amano a Standalone amathanso kuthandizira kulipirira mitengo ya mano.

Medicare Gawo A

Medicare Part A (choyambirira Medicare) imapereka chithandizo chakuchipatala. Ngati muli ndi thanzi labwino lomwe limafunikira kuchotsedwa kwa dzino kuchipatala mwadzidzidzi, atha kulipiritsa pansi pa Medicare Part A. Mano oboola kapena zopangira mano zofunikira chifukwa cha opaleshoniyi sizinaphatikizidwe nawo.

Medicare Gawo B

Medicare Part B ndikulemba zakusankha kwa madotolo, chisamaliro chodzitetezera, zida zamankhwala, ndi njira zakunja. Komabe, Medicare Part B imatero ayi kuphimba ntchito zamano, monga kuyezetsa mano, kuyeretsa, ma X-ray, kapena zida zamano ngati mano.

Medicare Gawo C (Medicare Advantage)

Medicare Advantage (Gawo C) ndi mtundu wamankhwala omwe amaperekedwa kudzera m'makampani a inshuwaransi. Mapulaniwa amafunika kuphimba chilichonse chomwe Medicare ikuphimba. Nthawi zina, zimaphimba kwambiri. Kutengera dongosolo lanu, ntchito zamano zitha kulipidwa ndipo zitha kulipira zina kapena zonse mtengo wa mano anu.

Gawo la Medicare D.

Medicare Gawo D limafotokoza zamankhwala omwe mwalandira. Medicare Part D imafuna kuti pakhale ndalama zoyambira pamwezi ndipo siziphatikizidwa mu Medicare yoyambirira. Gawo D silimapereka chithandizo chamankhwala, ngakhale atha kukhudza mankhwala opweteka omwe amakupatsani pambuyo pochitidwa opaleshoni yam'kamwa.

Kusinkhasinkha

Mapulani a Medigap, omwe amatchedwanso mapulani owonjezera a Medicare, atha kukuthandizani kuti mubweretse mtengo wa Medicare coinsurance, copays, ndi deductibles pansi. Madongosolo a Medigap atha kupanga Medicare yotsika mtengo, ngakhale mumayenera kulipira pamwezi pamwezi pazinthu zowonjezera.

Medigap sichikulitsa kuchuluka kwa kufalitsa kwanu kwa Medicare. Ngati muli ndi Medicare yachikhalidwe, malingaliro a Medigap sangasinthe zomwe mumalipira m'thumba la mano.

Medicare sikuti imagwira ntchito zamano zilizonse. Pali zochepa zochepa kusiyanasiyana:

• Medicare idzayesa mayeso am'kamwa kuchipatala asanafike m'malo mwa impso ndi opaleshoni yamagetsi yamtima.
• Medicare imakhudza kutulutsa mano ndi ntchito zamano ngati zikuwoneka kuti ndizofunikira kuchiza china, chosakhala mano.
• Medicare idzayang'anira ntchito zamano zofunika chifukwa chamankhwala a khansa.
• Medicare idzaphimba opaleshoni ya nsagwada ndikukonzanso chifukwa cha ngozi yoopsa.

Kodi ndi ndalama ziti zotulutsira thumba ngati muli ndi Medicare?

Ngati muli ndi Medicare yapachiyambi, sichilipira mtengo uliwonse wamano opangira mano. Muyenera kulipira mtengo wonse wamano ovekera m'thumba.

Ngati muli ndi dongosolo la Medicare Advantage lomwe limaphatikizapo kuphimba mano, dongosololi limatha kulipira gawo lina la mtengo wa mano. Ngati mukudziwa kuti mukufunikira mano opangira mano, onaninso mapulani a Advantage omwe akuphatikizapo mano kuti muwone ngati kuphimba mano kumaphatikizanso mano. Mutha kulumikizana ndi omwe amakupatsani inshuwaransi kuti mupeze dongosolo lililonse la Medicare Advantage kuti mutsimikizire zomwe zikuphatikizidwa ndi pulani inayake.

Mano ovekera amatha kulipira kulikonse kuyambira $ 600 mpaka $ 8,000 kutengera mtundu wa mano omwe mungasankhe.

Muyeneranso kulipira kuti mukwaniritse nthawi yoberekera komanso zokutsatirani, kuyezetsa matenda, kapena maudindo ena omwe mungakhale nawo ndi dokotala wanu wamazinyo. Pokhapokha mutakhala ndi inshuwaransi yamano yodziyimira payokha kuphatikiza pa Medicare kapena muli ndi dongosolo la Medicare Advantage lomwe limaphatikizapo kuphimba mano, zonsezi sizitulukanso.

Ngati muli membala wa mgwirizano, bungwe la akatswiri, bungwe lakale, kapena bungwe la okalamba, mutha kulandira kuchotsera ndi dokotala wanu wamazinyo. Lumikizanani ndi dokotala wa mano kuti mufunse za mamembala aliwonse kapena mapulogalamu ochotsera kalabu momwe angatenge nawo mbali.

Ngati muwerengera mtengo wamankhwala anu ndikugawana ndi 12, mumakhala ndi malingaliro owerengeka pazomwe chisamaliro chanu cha mano chikuwonongerani mwezi uliwonse. Ngati mungapeze kupezeka kwa mano komwe kumawononga ndalama zochepa kuposa ndalamazo, mutha kupulumutsa ndalama pamano opangira mano komanso kusungitsa mano chaka chonse.

Nthawi zolembetsa ku Medicare

Nazi nthawi zofunikira kukumbukira za Medicare Advantage ndi magawo ena a Medicare:

Nthawi yomaliza ya Medicare

Mfundo yofunika

Original Medicare sichilipira mtengo wa mano. Ngati mukudziwa kuti mukusowa mano atsopano mu chaka chamawa, njira yanu yabwino ingakhale kusinthana ndi dongosolo la Medicare Advantage lomwe limapereka chithandizo cha mano nthawi yotsatira yolembetsa ku Medicare.

Njira ina yomwe mungaganizire ndikugula inshuwaransi yamano yaumwini.

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.