Kodi Medicare Part C Imawononga Ndalama Zingati mu 2021?

Zamkati

• Kodi Medicare Part C ndi chiyani?
• Malangizo a momwe mungasankhire dongosolo
• Zinthu zomwe zimakhudza mitengo yanu ya Medicare Part C
• Zolipira
• Zodulidwa
• Zopereka ndi ndalama
• Mtundu wamapangidwe
• Moyo
• Ndalama
• Kutuluka mthumba
• Kusamalira ndalama za Gawo C
• Kodi Medicare Part C ndi yotani?
• Kodi Medicare Advantage ndiyokwera mtengo kuposa Medicare yoyambirira?
• Kodi ndimalipira bwanji ngongole yanga ya Part C?
• Thandizani kulipira Medicare
• Kutenga

• Medicare Part C ndi imodzi mwanjira zambiri za Medicare.
• Gawo C likukonzekera zomwe Medicare yoyamba imafotokoza, ndipo mapulani ambiri a Gawo C amapereka zowonjezera zowonjezera pazinthu monga mano, masomphenya, ndi kumva.
• Gawo C limayang'aniridwa ndi makampani a inshuwaransi apadera komanso mtengo wake kapena kukhazikitsidwa ndi makampaniwo.
• Mapulani a Part C omwe mungapeze atengera code yanu ya ZIP.
• Mutha kusaka pa tsamba la Medicare kuti muwone mapulani omwe angaperekedwe mdera lanu.

Medicare Yoyamba ndi Medicare Gawo C ndizosankha inshuwaransi zosiyanasiyana.

Pali zifukwa zingapo zomwe zimapangitsa kuti Medicare Part C iwonongeke, monga malipiro, zoperekera ndalama, ndalama zothandizira ndalama, ndi ndalama zothandizira ndalama. Ndalamazi zimatha kuyambira $ 0 mpaka mazana a madola pamisonkho yamwezi uliwonse ndi kuchotsera pachaka.

Munkhaniyi, tiwona za mtengo wa Medicare Part C, zomwe zimawathandiza, ndikuyerekeza mapulani ochepa amomwe mungayendere kuchokera ku United States.

Kodi Medicare Part C ndi chiyani?

Medicare Advantage (Gawo C) ndi njira ina m'malo mwa Medicare yoyambirira yoperekedwa ndi makampani a inshuwaransi wamba.

Ngati mwalandira kale Medicare yapachiyambi koma mukufuna zina zowonjezera za mankhwala ndi mankhwala ena, Medicare Part C ikhoza kukhala njira yabwino kwa inu.

Ndi mapulani ambiri a Medicare Part C, mumayang'aniridwa ndi:

• Kuphunzira kuchipatala (Gawo A). Izi zimakhudza ntchito zachipatala, chithandizo chamankhwala kunyumba, chisamaliro cha anamwino, ndi chisamaliro cha odwala.
• Kuphunzira zamankhwala (Gawo B). Izi zimakhudza maulendo opewera, kuzindikira, komanso chithandizo chamankhwala.
• Kuphunzira mankhwala osokoneza bongo (Gawo D). Izi zimakhudza ndalama zomwe mumalandira pamwezi pamwezi.
• Mano, masomphenya, ndi kumva kumva. Izi zimakhudza kuyezetsa chaka ndi chaka ndi zida zina zofunika zothandizira.
• Zowonjezera zowonjezera. Zolinga zina zimakhudza zofunikira zaumoyo, monga ziwalo zolimbitsa thupi komanso mayendedwe kupita kukaonana ndi dokotala.

Mukasankha dongosolo la Medicare Part C, pali njira zingapo zomwe mungasankhe. Izi mungachite monga:

• Mabungwe Okonza Zaumoyo (HMOs)
• Mabungwe Omwe Amapereka (PPOs)
• Ndalama Zoyang'anira payekha (PFFS)
• Mapulani Apadera (SNPs)
• Maakaunti Opulumutsa a Medicare (MSAs)

Zonsezi zimapereka zabwino zosiyanasiyana kutengera matenda anu.

Malangizo a momwe mungasankhire dongosolo

Pali zifukwa zambiri zofunika kuziganizira mukamasankha njira ya Medicare Advantage. Ganizirani za zosowa zanu zaumoyo, kuchuluka kwake komwe mungakwanitse, mtundu wa inshuwaransi yomwe muli nayo pakadali pano, komanso momwe ikukwaniritsira zosowa zanu.

Muthanso kugwiritsa ntchito kupeza kwa Medicare chida chofananizira mapulani kuti muwonetsetse kuti zomwe mwasankha zikukwaniritsa zomwe mukufuna.

Zinthu zomwe zimakhudza mitengo yanu ya Medicare Part C

Ndalama zanu zambiri za Medicare Part C zimatsimikizika ndi dongosolo lomwe mungasankhe. Komabe, momwe mumakhalira komanso momwe ndalama zilili zingakhudzenso mtengo wanu.

Nazi zina mwazinthu zomwe zimakhudza zomwe mudzalipira pulogalamu ya Medicare Part C.

Zolipira

Madongosolo ena a Medicare Part C ndi "aulere," kutanthauza kuti alibe ndalama zoyendetsera mwezi uliwonse. Ngakhale mutakhala ndi zero-premium Medicare Advantage plan, mungakhale ndi ngongole ya Gawo B.

Zodulidwa

Mapulogalamu ambiri a Medicare Part C ali ndi deductible komanso mankhwala osokoneza bongo. Ambiri (koma osati onse) a mapulani aulere a Medicare Advantage amapereka $ 0 deductible.

Zopereka ndi ndalama

Ndalama zolipira ndi zomwe mungakhale nazo pakuchezera kwa dokotala aliyense kapena kukonzanso mankhwala. Kuchuluka kwa inshuwaransi ndi gawo lililonse la ntchito zomwe muyenera kulipira mutachotsa deductible.

Ngati pulani yanu imalipira ndalama zolipirira ofesi ya dokotala komanso kukaona akatswiri, ndalamazi zimatha kuwonjezera mwachangu kwa anthu omwe ali ndi matenda omwe amapitako pafupipafupi kuofesi.

Mtundu wamapangidwe

Mtundu wamadongosolo omwe mungasankhe nawonso ungakhudze kuchuluka kwa mapulani anu a Medicare Part C. Mwachitsanzo, ngati muli pa pulani ya HMO kapena PPO koma mwasankha kukayendera omwe amakupatsani ma network, izi zitha kukulitsa mtengo.

Moyo

Ngakhale Medicare yoyambirira imagwira ntchito mdziko lonse, mapulani ambiri a Medicare Advantage amakhala m'malo. Izi zikutanthauza kuti ngati mungayende pafupipafupi, mutha kukhala kuti mulibe ngongole zakuchipatala.

Ndalama

Ndalama zanu zapachaka zingathenso kulipira kuchuluka kwa ndalama zomwe mumalipira ku Medicare Part C. Kwa anthu omwe alibe ndalama kapena zinthu, pali mapulogalamu omwe angakuthandizeni kuchepetsa mtengo wa Medicare.

Kutuluka mthumba

Ubwino umodzi wa Medicare Part C ndikuti mapulani onse a Medicare Advantage amakhala ndi thumba lokwanira. Ndalamayi imasiyanasiyana koma imatha kuyambira masauzande mpaka kukafika $ 10,000 kuphatikiza.

Kusamalira ndalama za Gawo C

Chimodzi mwazinthu zoyambirira zomwe mungachite kuti musamalire ndalama zanu za Medicare Part C ndi kuwerenga zidziwitso zotsatirazi pachaka chanu:

• Umboni Wopezeka (EOC)
• Zidziwitso Zosintha Pachaka (ANOC)

Zidziwitsozi zitha kukuthandizani kudziwa zomwe mudzalipira m'thumba lanu, komanso kusintha kwamitengo komwe kudzachitike chaka chotsatira.

Kodi Medicare Part C ndi yotani?

Pali zolipira zosiyanasiyana zomwe zimakhudzana ndi mapulani a Medicare Part C. Izi ndi monga:

• mwezi uliwonse Gawo C dongosolo la premium
• Gawo B loyamba
• mu-maukonde deductible
• mankhwala osokoneza bongo
• amakopera
• chitsimikizo

Ndalama zanu zingawoneke mosiyana kutengera momwe mumafotokozera, mtundu wamapulani, komanso ngati mungalandire thandizo lina lazachuma.

Pansipa pali zitsanzo zazing'ono zomwe zimayendetsedwa ndi Medicare Part C kuchokera kwa omwe amapereka ma inshuwaransi m'mizinda yozungulira United States:

Zomwe zanenedwa pamwambapa ndi za 2021 ndipo ndi zitsanzo zochepa chabe pamalingaliro ambiri omwe angaperekedwe mdera lililonse.

Kuti mumve zambiri za Medicare Part C ndondomeko yanu malinga ndi momwe mukusamalirira, pitani ku Medicare.gov chida chopezera mapulani ndikulowetsani ZIP code yanu kuti mufananize mapulani pafupi nanu.

Kodi Medicare Advantage ndiyokwera mtengo kuposa Medicare yoyambirira?

Ngakhale zitha kuwoneka ngati mapulani a Medicare Advantage amawononga ndalama zambiri kuposa Medicare yoyambirira, atha kuthandiza kupulumutsa ndalama pazachipatala.

Posachedwa apeza kuti ndalama zamankhwala zinali zochepa kwa anthu omwe adalembetsa nawo mapulani a Medicare Advantage. Kuphatikiza apo, omwe adzapindule ndi mapulani a Medicare Adapulumutsa ndalama zambiri pazinthu monga zida zamankhwala ndi mayeso a labu.

Kodi ndimalipira bwanji ngongole yanga ya Part C?

Makampani ambiri omwe amapereka mapulani a Medicare Part C ali ndi njira zosiyanasiyana zolipirira. Izi ndi monga:

• Kulipira ngongole yapaintaneti
• chotsani ku akaunti yanu yakubanki
• chotsani nokha ku Social Security kapena Railroad Retirement Board cheke chaubwino
• cheke kapena dongosolo la ndalama

Thandizani kulipira Medicare

Ngati mukuvutika kulipira ndalama zanu za Medicare Part C, pali zinthu zina zomwe zingakuthandizeni:

• 

  Kutenga

  • Medicare Part C ndi njira yabwino kwambiri yoperekera mwayi kwa omwe adzapindule ndi Medicare omwe akufuna zina zowonjezera.
  • Ndalama zanu za Medicare Part C zimaphatikizapo ndalama zoyambira, zochotseredwa, zolipiritsa, komanso chitsimikizo cha ndalama.
  • Ndalama zanu zidzadziwikanso potengera mtundu wa mapulani anu, kangati mukufuna chithandizo chamankhwala, ndi madotolo amtundu wanji omwe mumawawona.
  • Ngati muli ndi zaka 65 kapena kupitirira apo kapena muli ndi zilema zina, ndinu oyenera kulembetsa ku Medicare.
  • Pitani pa tsamba la Social Security Administration kuti mumve zambiri zamomwe mungalembetsere ndikulembetsa.

  Nkhaniyi idasinthidwa pa Novembala 20, 2020, kuti iwonetse zambiri za 2021 Medicare.

  

  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.