Kusiyanitsa Kwakukulu Pakati pa Medicare Advantage ndi Medicare Supplement Plans

Zamkati

• Kodi Medicare Advantage ndi chiyani?
• Kodi Medicare Supplement ndi chiyani?
• Poyerekeza mapulani
• Kodi ndinu woyenera?
• Ndondomeko za Mapindu a Ntchito vs Medigap
• Mtengo wa Medicare
• Medicare Advantage ndiyabwino kwa inu ngati:
• Medicare Advantage siyabwino kwa inu ngati:
• Mtengo wa Supplement wa Medicare
• Kuphatikiza kwa Medicare Supplement kungakhale koyenera kwa inu ngati:
• Kuphatikiza kwa Medicare Supplement sikungakhale koyenera kwa inu ngati:
• Kuthandiza wina kulembetsa?
• Kutenga

Kusankha inshuwaransi yazaumoyo ndichisankho chofunikira kwambiri pa thanzi lanu komanso tsogolo lanu. Mwamwayi, zikafika posankha Medicare, muli ndi zosankha.

Medicare Advantage (Gawo C) ndi Medicare Supplement (Medigap) ndi mapulani owonjezera omwe ali ndi Medicare yanu yoyambirira (gawo A ndi B). Angakupatseni zomwe mukufuna kuti mukwaniritse zosowa zanu zaumoyo.

Mapulani onsewa adapangidwa kuti azitha kufotokoza zomwe mbali zina za Medicare sizingatero. Komabe, mwina simungagule zonse Medicare Ubwino ndipo Kusinkhasinkha.

Ngati mukufuna chithandizo chowonjezera cha Medicare, muyenera kusankha Medicare Advantage kapena Kusinkhasinkha.

Ngati izi zikumveka zosokoneza pang'ono, musadandaule. Tidzafotokozera zambiri pansipa.

Kodi Medicare Advantage ndi chiyani?

Mapulani a Medicare Advantage ndi njira za inshuwaransi zachinsinsi zomwe mungafotokozere ku Medicare. Zolingazi zikuphimba zomwe Medicare yoyambirira imachita, kuphatikiza:

• kuchipatala
• zamankhwala
• mankhwala osokoneza bongo

Kutengera mtundu wa Advantage Plan womwe mungasankhe, mapulani anu amathanso kukhudza:

• mano
• masomphenya
• kumva
• mamembala olimbitsira thupi
• mayendedwe opita kuchipatala

Medicare.gov ili ndi chida chokuthandizani kuti mupeze Medicare Advantage Plan yomwe imakwaniritsa zosowa zanu.

Kodi Medicare Supplement ndi chiyani?

Medicare Supplement, kapena Medigap, ndi mapulani osiyanasiyana omwe amathandizira kubweza ndalama zamthumba ndi zinthu zomwe sizinalembedwe mu pulani yanu yoyambirira ya Medicare, monga ma copayment ndi coinsurance.

Kuyambira pa Jan. 1, 2020, mapulani omwe agulidwa kumene a Medigap samakhudza zoperewera za Gawo B. Mutha kugula Medigap kuphatikiza pazolemba zanu zoyambirira za Medicare (magawo A, B, kapena D).

Medicare.gov ili ndi chida chokuthandizani kupeza dongosolo la Medigap lomwe limakwaniritsa zosowa zanu.

Poyerekeza mapulani

Kukuthandizani kufananitsa, nazi mapulani onse awiri limodzi:

Kodi ndinu woyenera?

Pali zofunikira zingapo zomwe muyenera kukwaniritsa kuti muyenerere mapulani a Medicare Advantage kapena Medigap. Umu ndi momwe mungadziwire ngati mukuyenera kulandira Medicare Advantage kapena Medicare Supplement:

• Kuyenerera kwa Ntchito ya Medicare:
  • Mukuyenera kulandira Gawo C ngati mwalembetsa mu gawo A ndi B.
  • Mukuyenera kulandira Medicare Part A ndi B ngati muli ndi zaka 65 kapena kupitilira apo, muli ndi zilema, kapena muli ndi matenda am'magazi.
• Kuyenerera kwazowonjezera za Medicare Supplement:
  • Mukuyenera kulandira Medigap ngati mwalembetsa ku Medicare magawo A ndi B.
  • Simunalembetse kale ku Medicare Advantage.
  • Mumakwaniritsa zomwe boma lanu likufuna pa kufalitsa kwa Medigap.

Ndondomeko za Mapindu a Ntchito vs Medigap

Mutha kugula Medicare Advantage, kapena Medicare Part C, kudzera kwa wodziyimira payokha wovomerezeka ngati gawo la kufalitsa kwanu kwa Medicare. Mtengo wa pulani iliyonse umatsimikiziridwa mosiyana. Werengani kuti mumve zambiri za momwe ndalama zoyendetsera ndalama ndi chindapusa zimakhazikitsidwira.

Mtengo wa Medicare

Mofanana ndi mtundu wina uliwonse wa inshuwaransi, ndalama zomwe amapeza ku Medicare zimasiyanasiyana kudera lonse kutengera ndi omwe mungasankhe kulembetsa nawo ndi malingaliro omwe mwasankha.

Zolinga zina zilibe phindu pamwezi; ena amalipiritsa madola mazana angapo. Koma sizokayikitsa kuti mudzalipira zambiri gawo lanu C kuposa momwe mulipira Gawo B.

Kuphatikiza apo, ndalama monga ma copays ndi ma deductibles nazonso zimasiyana malinga ndi dongosolo. Kubetcha kwanu kopambana mukamayang'ana ndalama zomwe mungapeze pa dongosolo lanu la Medicare Advantage ndikufananiza bwino mapulani mukamagula.

Gwiritsani ntchito chida cha Medicare.gov kuti muthandizire kuyerekezera mapulani ndi mtengo wa Medicare Advantage.

Zinthu zina zomwe zingakhudze mtengo wamapulani a Medicare Advantage ndi awa:

• ndondomeko ya Advantage yomwe mungasankhe
• kangati mukufuna kupeza chithandizo chamankhwala
• komwe mumalandira chithandizo chamankhwala (mu netiweki kapena kunja kwa netiweki)
• ndalama zanu (izi zitha kugwiritsidwa ntchito kudziwa kuchuluka kwanu, ndalama zochotsedwera, komanso ndalama zolipirira)
• ngati muli ndi thandizo lachuma monga Medicaid kapena olumala

Medicare Advantage ndiyabwino kwa inu ngati:

• Muli kale ndi magawo A, B, ndi D.
• Muli ndi wovomerezeka yemwe mumakonda kale, ndipo mukudziwa kuti amavomereza mapulani a Medicare ndi Medicare Advantage.
• Mukufuna maubwino owonjezera, monga kumva, masomphenya, ndi mano.
• Mungakonde kusamalira dongosolo limodzi pazosowa zanu zonse za inshuwaransi.

Medicare Advantage siyabwino kwa inu ngati:

• Mumayenda kwambiri kapena mumakonzekera kupita ku Medicare. (Muyenera kukhala mdera lomwe mukufotokozera, kupatula zoopsa.)
• Mukufuna kusunga omwe amapereka chaka chilichonse. (Zomwe amafunikira ovomerezeka amasintha pachaka.)
• Mukufuna kusunga mlingo womwewo. (Mitengo imasintha pachaka.)
• Mukuda nkhawa kuti mudzalipira ndalama zowonjezera zomwe simugwiritse ntchito.

Mtengo wa Supplement wa Medicare

Apanso, pulani iliyonse ya inshuwaransi imasiyanasiyana pamitengo kutengera kuyenerera kwanu ndi mtundu wa zomwe mukufuna.

Ndi mapulani a Medicare Supplement, momwe mungafunire zambiri, ndizokwera mtengo. Kuphatikiza apo, mukadakalamba mukalembetsa, mumakhala ndi mwayi wapamwamba kwambiri.

Gwiritsani ntchito chida cha Medicare.gov kuti muthandizire kuyerekezera mitengo ya Medicare Supplement.

Zinthu zomwe zingakhudze mtengo wokhudzidwa kwanu kwa Medigap ndi monga:

• zaka zanu (mukakalamba mukamalemba, mumatha kulipira kwambiri)
• ndondomeko yomwe mwasankha
• ngati mukuyenerera kuchotsera (osasuta, wamkazi, kulipira pakompyuta, ndi zina zambiri)
• deductible yanu (mapulani apamwamba angachotsere ndalama zochepa)
• mukamagula pulani yanu (malamulo amatha kusintha, ndipo dongosolo lakale limatha kukhala lotsika mtengo)

Kuphatikiza kwa Medicare Supplement kungakhale koyenera kwa inu ngati:

• Mumakonda kusankha kuchuluka kwa zolipirira mthumba zomwe mukugula.
• Mukusowa thandizo lothandizira kuthumba.
• Muli kale ndi chidziwitso chomwe mumafunikira pakuwona, mano, kapena kumva.
• Mukukonzekera kupita kunja kwa United States ndipo mukufuna kukhala okonzeka.

Kuphatikiza kwa Medicare Supplement sikungakhale koyenera kwa inu ngati:

• Muli kale ndi pulani ya Medicare Advantage. (Ndizosaloledwa kuti kampani ikugulitseni Medigap pomwe muli ndi Medicare Advantage kale.)
• Mukufuna kufotokozedwa kwanthawi yayitali kapena chisamaliro cha odwala.
• Simugwiritsa ntchito chisamaliro chambiri ndipo nthawi zambiri simumakumana ndi deductible yanu yapachaka.

Kuthandiza wina kulembetsa?

Kulembetsa ku Medicare kumatha kukhala kosokoneza. Ngati mukuthandizira mnzanu kapena wachibale kulembetsa, pali zinthu zingapo zomwe mungachite kuti ntchitoyi ikhale yosavuta.

Nawa maupangiri othandizira mthandizi wanu kulembetsa ku Medicare:

• Kambiranani zosowa zawo ndi chithandizo chamankhwala.
• Sankhani bajeti yotsika mtengo komanso yeniyeni ya inshuwaransi.
• Konzani zambiri zanu ndi zomwe wokondedwa wanu akufuna Social Security. Angafunike kudziwa kuti ndinu ndani komanso ubale wanu ndi munthu amene mumam'lembetsa.
• Lankhulani ndi wokondedwa wanu za ngati angafunikire zina zowonjezera monga Gawo C kapena Medigap.

Ngakhale mutha kuthandiza wokondedwa wanu kuwunika mapulani ndikumvetsetsa zisankho zawo, simungalembetse munthu wina ku Medicare pokhapokha mutakhala ndi mphamvu yoweruza yamunthuyo. Ili ndi chikalata chovomerezeka chomwe chimakupatsani chilolezo chosankha m'malo mwa munthu wina.

Kutenga

• Kuphunzira kwa Medicare kumapereka njira zingapo.
• Medicare Advantage imaphimba gawo lanu A, B, ndipo nthawi zambiri D amakonza ndi zina zambiri.
• Medigap imathandizira kulipira ndalama zamthumba monga ma copays ndi ma coinsurance.
• Simungagule zonse ziwiri, chifukwa chake ndikofunikira kudziwa zosowa zanu ndikusankha njira yomwe ingakwaniritse bwino.

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.