Kodi Mapulani a Medicare Amathandiza Bwanji?

Zamkati

• Kodi ndi zinthu ziti zomwe zimakhudza mtengo wanu pakapangidwe ka Medicare Advantage?
• Kodi mapulani a Medicare Advantage ndi ati?
• Kodi ndine woyenera mapulani a Medicare Advantage?
• Tengera kwina

Madongosolo a Medicare Advantage onse ndi amtundu umodzi m'malo mwa Medicare yoyambirira yoperekedwa ndi makampani wamba. Amalipidwa ndi Medicare komanso ndi anthu omwe amalembetsa nawo mapulaniwo.

Pitirizani kuwerenga kuti mudziwe zambiri za mapulani a Medicare Advantage komanso ndalama zakutchire pazinthuzi.

Kodi ndi zinthu ziti zomwe zimakhudza mtengo wanu pakapangidwe ka Medicare Advantage?

Ndalama zomwe mumalipira ku Medicare Advantage zimakhazikitsidwa pazinthu zingapo, kuphatikiza:

• Malipiro apamwezi. Zolinga zina zilibe malipiro.
• Malipiro a mwezi uliwonse a Medicare Part B. Zolinga zina zimalipira zonse kapena gawo la malipiro a Gawo B.
• Chaka chilichonse chodulidwa. Zitha kuphatikizira zochotseredwa pachaka kapena zochotsera zina.
• Njira yolipira. Ndalama za ndalama kapena zolipira zomwe mumalipira pantchito iliyonse kapena mukapita.
• Mtundu ndi pafupipafupi. Mtundu wa ntchito zomwe mumafunikira komanso momwe amaperekera kangati.
• Kuvomereza kwa Dotolo / wogulitsa. Zimakhudza mtengo ngati muli mu pulani ya PPO, PFFS, kapena MSA, kapena mukakhala kuti mulibe netiweki.
• Malamulo. Kutengera ndi dongosolo lanu lamalamulo, monga kugwiritsa ntchito othandizira ma netiweki.
• Zowonjezera. Zomwe mukufuna komanso zomwe mapulani amalipira.
• Malire apachaka. Ndalama zanu zakuthumba pantchito zonse zamankhwala.
• Mankhwala. Ngati muli nacho.
• Thandizo laboma. Mukalandira.

Izi zimasintha chaka chilichonse malinga ndi:

• malipiro
• kuchotsedwa
• ntchito

Makampani omwe amapereka mapulaniwo, osati Medicare, ndi omwe amadziwitsa kuchuluka kwa zomwe mumalipira pazantchito.

Kodi mapulani a Medicare Advantage ndi ati?

Nthawi zina amatchedwa mapulani a MA kapena Gawo C, mapulani a Medicare Advantage amaperekedwa ndi makampani wamba omwe amavomerezedwa ndi Medicare. Makampaniwa amapangana ndi Medicare kuti agwirizane pamodzi ma Medicare:

• Medicare Part A: malo ogona odwala opatsirana, chisamaliro cha odwala, chisamaliro kumalo osamalira anthu okalamba, ndi chithandizo chamankhwala kunyumba
• Medicare Gawo B: ntchito zina za madotolo, chisamaliro cha kuchipatala, chithandizo chamankhwala, ndi ntchito zodzitetezera
• Medicare Part D (kawirikawiri): mankhwala akuchipatala

Malangizo ena a Medicare Advantage amapereka zowonjezera, monga:

• mano
• masomphenya
• kumva

Ndondomeko zodziwika bwino za Medicare Advantage ndi izi:

• Mapulani a HMO (bungwe lokonza zaumoyo)
• Mapulani a PPO (omwe amasankhidwa ndi bungwe)
• Zolinga za PFFS (zolipirira payekha-zantchito)
• SNPs (mapulani a zosowa zapadera)

Mapulani ochepa a Medicare Advantage ndi awa:

• Mapulani a Medicare account savings account (MSA)
• Mapulani a HMOPOS (HMO point of service)

Kodi ndine woyenera mapulani a Medicare Advantage?

Nthawi zambiri mutha kujowina mapulani ambiri a Medicare Advantage ngati:

• khalani ndi Medicare Part A ndi Part B
• khalani m'malo opangira mapulani
• alibe matenda a impso (ESRD)

Tengera kwina

Mapulani a Medicare Advantage - omwe amatchedwanso MA Plans kapena Part C - amaperekedwa ndi makampani wamba ndipo amalipira ndi Medicare komanso ndi omwe ali ndi mwayi woyenera Medicare omwe amalembetsa nawo mapulaniwo.

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