Kodi Medicare Part C Imaphimba Chiyani?

Zamkati

• Kodi Medicare Part C ndi chiyani?
• Kodi ndikufunika Medicare Part C?
• Kodi Medicare Part C imakhudza chiyani kwenikweni?
• Kodi mapulani a Part C amawononga ndalama zingati?
• New York, NY
• Mzinda wa Atlanta, GA
• Mapulogalamu onse pa intaneti
• Chicago, PA
• Los Angeles, CA
• Gawo C likufanana motani ndi mapulani ena a Medicare?
• Medicare Part A (inshuwaransi ya chipatala)
• Medicare Part B (inshuwaransi ya zamankhwala)
• Medicare Part D (dongosolo la mankhwala)
• Inshuwaransi yowonjezera (Medigap)
• Kulembetsa ku Medicare
• Kutenga

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Medicare Part C ndi mtundu wa inshuwaransi yomwe imapereka chithandizo chazachikhalidwe cha Medicare kuphatikiza zina. Amadziwikanso kuti Medicare Advantage.

Ambiri mwa Medicare Part C akukonzekera:

• ndalama za kuchipatala
• ndalama zamankhwala
• mankhwala osokoneza bongo
• chisamaliro cha mano
• chisamaliro cha masomphenya
• chisamaliro chakumva

Madongosolo ena a Medicare Part C amaperekanso mapindu ena owonjezera azaumoyo, monga ziwalo zolimbitsa thupi komanso ntchito zoyendera.

Munkhaniyi, tiwona zonse zomwe Medicare Part C imafotokoza, kuphatikiza chifukwa chomwe mungafunire Medicare Part C ndi momwe zingawonongere.

Kodi Medicare Part C ndi chiyani?

Madongosolo a Medicare Part C ndi mapulani a inshuwaransi omwe makampani amakampani a inshuwaransi amapereka. Mapulaniwa, omwe amadziwika kuti mapulani a Medicare Advantage kapena mapulani a MA, amapereka chithunzithunzi chofananira ndi Original Medicare ndi phindu lowonjezera.

Ngati mwalandira kale Medicare Part A ndi Part B, mukuyenera kulandira Medicare Part C.

Madongosolo a Medicare Part C amatsata njira za inshuwaransi zachikhalidwe ndipo ndi awa:

• Mapulani a Health Maintenance Organisation (HMO)
• Mapulani a Preferred Provider Organisation (PPO)
• Ndondomeko Zachinsinsi Zoyang'anira Ntchito (PFFS)
• Mapulani Apadera (SNP)
• Mapulani a Medicare Medical Savings Account (MSA)

Kodi ndikufunika Medicare Part C?

Medicare Part C ikhoza kukhala njira yabwino kwa inu ngati:

• mwalandira kale magawo a Medicare A ndi B ndipo mukufuna kufotokozeredwa
• mufunika chithandizo chamankhwala chomwe mumalandira
• mukusangalatsidwa ndikutulutsa mayeso a mano, masomphenya, kapena kumva pachaka
• mukusangalatsidwa ndi mitundu yambiri yolemba mu pulani imodzi yabwino

Kodi Medicare Part C imakhudza chiyani kwenikweni?

Medicare Part C imafotokoza zonse zomwe Medicare Part A (inshuwaransi ya chipatala) ndi Medicare Part B (inshuwaransi yamankhwala).

Mapulogalamu ambiri a Medicare Part C amaperekanso mankhwala, mankhwala, mano, komanso kumva. Zolinga zina zitha kuperekanso zowonjezera zowonjezera zokhudzana ndi thanzi, monga ziwalo zolimbitsa thupi komanso ntchito zoperekera chakudya.

Kuphatikiza apo, mapulani a Medicare Part C amabwera m'njira zosiyanasiyana zomwe zimapatsa anthu ufulu wosankha mtundu wa mapulani omwe akufuna.

Mwachitsanzo, anthu ena omwe ali ndi matenda osachiritsika angafunike Medicare Part C SNP kuti ithandizire kulipira mtengo woyendera ofesi, mankhwala, ndi njira. Anthu ena atha kusankha Medicare Part C PPO kapena PFFS kuti akhale ndi ufulu wambiri.

Kodi mapulani a Part C amawononga ndalama zingati?

Mtengo wa dongosolo la Medicare Part C umadalira pazinthu zosiyanasiyana. Zomwe zimafunikira kwambiri mu pulani yanu ndi izi:

• gawo lanu loyamba la Part B pamwezi, lomwe lingatengeredwe ndi dongosolo lanu la Part C.
• ndalama zanu za Medicare Part C, zomwe zimaphatikizapo ndalama zochotseredwa komanso mwezi uliwonse
• ndalama zanu zakuthumba, zomwe zimaphatikizira ndalama zolipirira ndalama komanso chitsimikizo cha ndalama

Pansipa pali kuyerekezera kwamitengo kwamapulani a Medicare Part C m'mizinda ina yayikulu kuzungulira United States. Zolinga zonse zomwe zili pansipa zikuphatikiza mankhwala omwe mumalandira, masomphenya, mano, kumva, komanso thanzi. Komabe, onse amasiyana pamtengo.

New York, NY

Kampani ina ya inshuwaransi imapereka dongosolo la HMO lomwe limawononga:

• kulipira pamwezi: $ 0
• Chigawo B choyambirira: $ 135.50
• kuchotseredwa pachaka chilichonse: $ 0
• Mankhwala osokoneza bongo: $ 95
• ma-network otuluka mthumba: $ 6,200
• copays / coinsurance: $ 25 paulendo wa akatswiri

Mzinda wa Atlanta, GA

Kampani ina ya inshuwaransi imapereka dongosolo la PPO lomwe limawononga:

• kulipira pamwezi: $ 0
• Chigawo B choyambirira: $ 135.50
• kuchotseredwa pachaka chilichonse: $ 0
• Kuchotsera mankhwala: $ 75
• mkati ndi kunja kwa maukonde mthumba mthumba: $ 10,000
• copays / coinsurance: $ 5 pa PCP ndi $ 40 paulendo wa akatswiri

Mapulogalamu onse pa intaneti

Kampani ina ya inshuwaransi imapereka dongosolo la HMO lomwe limawononga:

• kulipira pamwezi: $ 0
• Chigawo B choyambirira: $ 135.50
• kuchotseredwa pachaka chilichonse: $ 0
• Mankhwala osokoneza bongo: $ 200
• ma-network otuluka mthumba: $ 5,200
• copays / coinsurance: $ 20 paulendo wa akatswiri

Chicago, PA

Kampani ina ya inshuwaransi imapereka dongosolo la HMO Point of Service lomwe limawononga:

• kulipira pamwezi: $ 0
• Chigawo B choyambirira: $ 135.50
• kuchotseredwa pachaka chilichonse: $ 0
• Kuchotsera mankhwala: $ 0
• ma-network otuluka mthumba: $ 3,400
• copays / coinsurance: $ 8 pa PCP ndi $ 45 paulendo wa akatswiri

Los Angeles, CA

Kampani ina ya inshuwaransi imapereka dongosolo la HMO lomwe limawononga:

• kulipira pamwezi: $ 0
• Chigawo B choyambirira: $ 135.50
• kuchotseredwa pachaka chilichonse: $ 0
• Kuchotsera mankhwala: $ 0
• ma-network otuluka mthumba: $ 999
• kukopera / kutsimikizika: $ 0

Ndikofunika kuzindikira kuti kuyerekezera kwamitengoku kunatengedwa mwachindunji kuchokera ku Medicare.gov ndipo sikuphatikizira zinthu zilizonse zomwe zikukukhudzani, monga kuchuluka kwa mankhwala omwe mungalandire kapena ngati mungalandire ndalama.

Kuti mumvetse molondola momwe dongosolo la Medicare Part C lingakuwonongereni, onani chida cha Pezani Chithandizo cha Medicare 2020 Plan.

Gawo C likufanana motani ndi mapulani ena a Medicare?

Medicare Part C imapereka mwayi kuposa mapulani ena a Medicare chifukwa imaphatikizira zofunikira zonse mu dongosolo limodzi.

Madongosolo ena a Medicare akuphatikizapo magawo A, B, D, ndi Medigap. Medicare Part D ndi Medigap amayenera kupereka inshuwaransi yowonjezera ku magawo A ndi B.

Medicare Part A (inshuwaransi ya chipatala)

Gawo A limakhudza kuyendera zipatala, chisamaliro cha malo osamalira ana kwakanthawi kochepa, ntchito zakuchipatala, ndi malo osamalira odwala. Mukuyenera kukhala ndi izi kuti mukhale woyenera ku Medicare Part C.

Medicare Part B (inshuwaransi ya zamankhwala)

Gawo B limakhudza kupewa, kuzindikira, komanso kuchiza matenda ndi matenda amisala. Ikufotokozanso za mayendedwe azachipatala. Mukuyenera kukhala ndi izi kuti mukhale woyenera ku Medicare Part C.

Medicare Part D (dongosolo la mankhwala)

Gawo D ndilowonjezera ku Original Medicare (gawo A ndi B) lomwe lingagwiritsidwe ntchito kulipirira mtengo wamankhwala akuchipatala. Kuphimba mankhwala osokoneza bongo nthawi zambiri kumaphatikizidwa m'mapulani ambiri a Medicare Part C.

Inshuwaransi yowonjezera (Medigap)

Medigap ndikutanthauzira kowonjezera kwa anthu omwe ali kale ndi mbali za Medicare A ndi B. Simukusowa inshuwaransi ya Medigap ngati mungalandire Medicare Part C, popeza pulani yanu idzafotokoza zomwe Medigap angachite.

Kulembetsa ku Medicare

Mukuyenerera Medicare Part C ngati muli ndi zaka 65 kapena kupitilira apo ndipo mwalembetsa ku Medicare gawo A ndi B. Mukuyenera kulembetsa miyezi itatu tsiku lanu lobadwa lisanakwane 65 mpaka miyezi itatu mutabadwa 65.

Kuti mulembetse ku Medicare Part C, muyenera kulembetsedwanso ku Medicare gawo A ndi B. Muyeneranso kukhala m'malo ophunzirira dongosolo la Medicare Part C lomwe mungasankhe.

Pali zinthu zofunika zomwe zimafunika kuthandiza wachibale kusankha dongosolo la Medicare Part C. Nawa mafunso angapo oti mufunse wokondedwa wanu:

1. Kodi mufunika kukawona kangati dokotala kapena akatswiri? Ambiri mwa Medicare Part C amakonzekera zolipiritsa kukaona akatswiri komanso omwe amapereka ma network. Nthawi zina dongosolo limatha kulipira ndalama zochulukirapo pamachotseredwe ndi ndalama zoyambilira koma zitha kupulumutsa ndalama kwa anthu omwe ali ndi matenda osatha omwe amafunikira kuyendera maofesi ambiri a dokotala.
2. Mungagule ndalama zingati mthumba mthumba chaka chilichonse? Pafupifupi mapulani onse a Medicare, kuphatikiza mapulani a Medicare Part C, amawononga ndalama zina pachaka. Ganizirani za mtengo wa premium, deductible, out-of-pocket maximum, ndi ma copays.
3. Kodi mukuyang'ana mtundu wanji wazobisalira? Izi zitha kukuthandizani kuti muchepetse mitundu yofanizira yomwe mungayang'anire mu gawo la C. Zitha kuphatikizira zinthu monga mankhwala akuchipatala, masomphenya, mano, kumva, kulimbitsa thupi, mayendedwe, ndi zina zambiri.
4. Mukufuna kudziwa mapulani otani? Mapulani a Medicare Part C amaperekedwa mosiyanasiyana, chifukwa chake ndikofunikira kudziwa momwe banja lanu limafunira. Kodi ali ndi dokotala yemwe amamukonda? Kodi HMO ingapulumutse ndalama?

Mukakambirana izi ndi wachibale wanu, gwiritsani ntchito chida chofananizira mapulani kuti mupeze mapulani mdera lanu omwe akukwaniritsa zosowa zawo.

Mutha kuyerekezera mtengo ndiyeno kuyimbira makampani amenewo kuti adziwe zambiri zomwe angapatse wokondedwa wanu.

Kutenga

Medicare Part C ndi njira ya inshuwaransi kwa anthu omwe akufuna chithandizo chambiri cha Medicare. Zomwe zimadziwikanso kuti mapulani a Medicare Advantage, mapulani a Gawo C amakupatsani mwayi wosankha mtundu wa mapulani, kufalitsa, ndi mtengo wake.

Mungafune dongosolo la Medicare Part C ngati:

• kumwa mankhwala akuchipatala
• amafunika mano, masomphenya, kapena kumva
• sangalalani ndi maubwino ena azaumoyo monga kulimbitsa thupi komanso mayendedwe azachipatala

M'mizinda yambiri yayikulu yaku US, mapulani a Medicare Part C amayamba kuchokera $ 1,500 ndikuwonjezeka mtengo kuchokera kumeneko.

Ngati mukuthandiza wokondedwa wanu kusankha dongosolo la Medicare Part C, onetsetsani kuti mwakhala pansi ndikukambirana zaumoyo wawo zomwe zikuyenera kuwathandiza kupeza dongosolo lomwe limapindulitsa kwambiri.

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.

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