Kodi Medicare Yoyambirira, Medigap, ndi Medicare Advantage Cover Zikupezeka?

Zamkati

• Kodi mapulani owonjezera a Medicare amafotokoza zomwe zidachitika kale?
• Kodi mungakanidwe kufalitsa kwa Medigap?
• Kodi Medicare Advantage imaphimba zinthu zomwe zidalipo kale?
• Mapulani a Zofunikira pa Medicare Advantage
• Tengera kwina

Medicare Yoyambirira - yomwe imaphatikizapo Gawo A (inshuwaransi ya chipatala) ndi Gawo B (inshuwaransi ya zamankhwala) - imafotokoza zomwe zidalipo.

Medicare Part D (inshuwaransi yamankhwala yothandizidwa) idzafotokozanso mankhwala omwe mukumwa pakadali pano kuti mulibe.

Pitirizani kuwerenga kuti mudziwe zambiri za zomwe Medicare ikukonzekera kuthana ndi zochitika zomwe zilipo kale, ndipo ndi zinthu ziti zomwe zingakukanizeni.

Kodi mapulani owonjezera a Medicare amafotokoza zomwe zidachitika kale?

Madongosolo owonjezera a Medicare (mapulani a Medigap) amaperekedwa ndi makampani wamba omwe amavomerezedwa ndi Medicare. Mapulani a Medigap amalipira zina mwazomwe sizinapezeke ndi Medicare yoyambirira, monga kuchotsera, kutsimikizika ndalama, ndi ndalama zolipira.

Ngati mutagula dongosolo la Medigap munthawi yolembetsa, ngakhale mutakhala kuti mulibe, mutha kupeza malingaliro aliwonse a Medigap ogulitsidwa mdera lanu. Simungakanidwe ndikulipira ndipo mudzalipira mtengo wofanana ndi anthu omwe sanapezekeko.

Nthawi yanu yolembetsa ku Medigap imayamba mwezi womwe muli ndi zaka 65 komanso / kapena kulembetsa ku Medicare Part B.

Kodi mungakanidwe kufalitsa kwa Medigap?

Ngati mungalembetse kufotokozedwa kwa Medigap mukatha kulembetsa, mwina simungakwaniritse zolembera zamankhwala ndipo mutha kukanidwa.

Kodi Medicare Advantage imaphimba zinthu zomwe zidalipo kale?

Mapulani a Medicare Advantage (Medicare Part C) amaperekedwa ndi makampani wamba omwe amavomerezedwa ndi Medicare. Zolingazi zimaphatikizidwa kuti ziziphatikiza Medicare Part A ndi B, nthawi zambiri Medicare Part D, ndipo nthawi zambiri zimafotokozedwanso monga mano ndi masomphenya.

Mutha kulowa nawo pulani ya Medicare Advantage ngati muli ndi vuto linalake pokhapokha pokhapokha ngati matendawa atha kumaliza matenda a impso (ESRD).

Mapulani a Zofunikira pa Medicare Advantage

Mapulani a Medicare Advantage Special Needs Plans (SNPs) amaphatikizapo Medicare Part A, B, ndi D ndipo amapezeka kwa anthu omwe ali ndi matenda monga:

• Matenda osokoneza bongo: matenda a leliac, lupus, nyamakazi
• khansa
• zina, zolepheretsa thanzi
• matenda a mtima
• kudalira mankhwala osokoneza bongo komanso / kapena uchidakwa
• kulephera kwa mtima
• Matenda am'mapapo akulu: mphumu, COPD, emphysema, kuthamanga kwa magazi m'mapapo
• matenda amisala
• matenda ashuga
• mapeto siteji matenda chiwindi
• matenda omaliza amphongo (ESRD) omwe amafunikira dialysis
• HIV / Edzi
• Matenda a hematological: deep vein thrombosis (DVT), sickle cell anemia, thrombocytopenia
• matenda amitsempha: khunyu, multiple sclerosis, matenda a Parkinson, ALS
• sitiroko

Ngati mukuyenera kulandira SNP ndipo pali mapulani akomweko, mutha kulembetsa nthawi iliyonse.

Ngati simukuyeneranso kupeza Medicare SNP, mutha kusintha momwe mungalembetsere ntchito yanu panthawi yolembetsa yomwe imayamba mukadziwitsidwa ndi SNP yanu kuti simukuyeneranso kuchita izi ndikupitilira miyezi iwiri chiphaso chitatha.

Tengera kwina

Medicare Yoyambirira - Gawo A (inshuwaransi ya chipatala) ndi Gawo B (inshuwaransi ya zamankhwala) - imafotokoza zomwe zidalipo.

Ngati muli ndi vuto lomwe mulipo kale, lingalirani kusaina dongosolo la Medigap (Medicare supplement plan).

Medigap imapereka nthawi yolembetsa yomwe simungathe kukanidwa, ndipo mudzalipira mtengo wofanana ndi anthu opanda zinthu zomwe zidalipo kale. Mutha kukanidwa ngati mungalembetse kunja kwa nthawi yanu yolembetsa.

Ngati mukuganiza za Medicare Advantage plan, kutengera momwe zinthu ziliri kale, mutha kulumikizidwa ku Medicare Advantage Special Needs plan (SNP).

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.