Kodi Zero Premium Medicare Advantage Plans ndi Chiyani?

Zamkati

• Kodi zero premium Medicare Advantage plans ndi zaulere?
• Kodi mapulani a zero premium Medicare Advantage amagwira ntchito bwanji?
• Kodi mungayenerere bwanji mapulani abwino a Medicare?
• Kodi mungalembetse bwanji ku Medicare Advantage (Gawo C)?
• Kutenga

• Madongosolo ambiri a Medicare Advantage amakhala ndi $ 0 pamwezi pamwezi.
• Komabe, mapulani a zero pamwezisangakhale "omasuka" kwathunthu.
• Muyenerabe kulipira ndalama zina monga ma copays, ma deductibles, ndi ndalama zandalama, komanso gawo lanu la Part B.

Ngati mukugula pafupi ndi dongosolo la Medicare, mwina mwawona mawu oti "zero dollar premium" ophatikizidwa ndi mapulani ena a Medicare Advantage.

Medicare Advantage (Medicare Part C) ndi njira yothandizira zaumoyo yomwe imaperekedwa ndi makampani a inshuwaransi wamba. Koma kodi mungapeze chilichonse kwaulere?

Tiyeni tiwone bwino mapulani a zero premium Medicare Advantage komanso ngati iyi ikhoza kukhala njira yabwino pazithandizo zanu.

Kodi zero premium Medicare Advantage plans ndi zaulere?

Ngakhale mapulani a Medicare Advantage atha kukhala ndi $ 0 premium, pali zinthu zina zomwe mungafunike kulipira mthumba. Izi zitha kuphatikizira izi:

• Kukopera. Copayment (copay) ndi ndalama zomwe mumalipira mukakumana ndi deductible yanu. Izi zitha kukhala zapamwamba ndi mapulani omwe amakhala ndi ndalama zochepa pamwezi, pomwe mapulani okhala ndi ndalama zambiri pamwezi amatha kukhala ndi ma copay ochepa.

• Coinsurance. Coinsurance ndi ndalama zomwe mumayang'anira pakulipira ntchito, ngakhale mutalipira ndalama zanu. Mwachitsanzo, ngati ndalama zanu zasiliva ndi 20%, mudzalipira 20% yoyambirira ya ndalamazo, ndipo dongosolo lanu laumoyo lidzakhudza zotsalazo.

• Kuchotsa. Chotsulidwa ndi ndalama zomwe mumayenera kulipira musanapereke gawo lanu la inshuwaransi. Zotsitsa nthawi zambiri zimakhala zapamwamba ndi mapulani omwe amakhala ndi zolipira zochepa, kutanthauza kuti mudzalipira ndalama zochepa mwezi uliwonse koma mopitilira mthumba pantchito zazaumoyo. Mukamaliza kulipira ndalama zanu zonse, dongosolo lanu laumoyo limalipira ndalama zambiri pantchito zamankhwala, komabe mungafunike kulipira copay kapena chitsimikizo cha ndalama.

• Ndalama zina za Medicare. Ngakhale mutakhala ndi pulani ya Medicare Advantage, muli ndi udindo wolipiritsa ndalama kumadera ena onse a Medicare (magawo A, B, ndi D) omwe mungakhale nawo. Anthu ambiri salipira gawo la A, koma Gawo B limakhala ndi ndalama zoyambira pamwezi.

Madongosolo ambiri azaumoyo amakhala ndi ndalama zochuluka kwambiri zomwe munthu amayenera kulipira mthumba. Ndalamazo zikakwaniritsidwa, dongosolo laumoyo limalipira 100% ya mtengo wothandizirako zaumoyo kwa chaka chonse.

Kodi mapulani a zero premium Medicare Advantage amagwira ntchito bwanji?

Mapulani a Medicare Advantage amaperekedwa kwa inu kudzera ku kampani yabizinesi ya inshuwaransi. Zolingazi zimalowetsa pachikhalidwe cha Medicare: Gawo A kukhala inshuwaransi ya chipatala, Gawo B ndi inshuwaransi ya zamankhwala, ndi Gawo D, lomwe limapereka chithandizo chamankhwala.

Kutengera pulani yomwe mwasankha, pulani ya Medicare Advantage itha kuperekanso ntchito zina monga kumva, masomphenya, mano, ndi madongosolo ena azaumoyo omwe Medicare yachikhalidwe sichichita.

Umu ndi momwe mapulani a zero premium amapangidwira. Kuti ndalama zisachepe, boma limagwirizana ndi makampani azamshuwaransi kuti akupatseni dongosolo lanu. Kudzera mgwirizanowu, boma limalipira ndalama zonse ku kampani ya inshuwaransi. Kampani ya inshuwaransi imapanga mgwirizano ndi zipatala kapena othandizira, zomwe zimachepetsa ndalama zanu bola mukakhala pa netiweki.

Ndondomeko zambiri za Medicare Advantage zimaperekedwa kwa inu $ 0 pamwezi pamwezi pazifukwa zingapo:

• Mtengo ndi wotsika chifukwa Medicare imagwirizana pamitengo ndi gulu la othandizira azaumoyo.
• Madongosolo a Medicare Advantage amatenga njira zingapo zodzitetezera komanso thanzi, zomwe zimapangitsa kuti ophunzira akhale athanzi. Kukhala wathanzi wotenga nawo mbali, kutsitsa mtengo wazithandizo zawo.
• Ngati simugwiritsa ntchito ndalama zonse zomwe Medicare amalipira kampani ya inshuwaransi yapadera, ndalamazo zitha kuperekedwa ngati ndalama kwa inu, ndikupanga ndalama zanu $ 0 pamwezi.

Kodi mungayenerere bwanji mapulani abwino a Medicare?

Mukuyenera kulandira mapulani a Medicare Advantage ngati mukwaniritsa zofunikira za pulogalamu ya Medicare. Mukuyenera:

• kukhala wazaka 65 kapena kupitirira
• kulembetsa ku Medicare magawo A ndi B
• khalani m'malo ophunzirira dongosolo lomwe mungasankhe

Kodi mungalembetse bwanji ku Medicare Advantage (Gawo C)?

Kuti mulembetse dongosolo la Medicare Advantage, pitani ku tsamba la Medicare.gov ndikugwiritsa ntchito chida chopeza mapulani. Gawo C loperekera mapulani limasiyanasiyana malinga ndi boma, koma chida ichi chimakuthandizani kuti mufufuze mapulani omwe ali mdera lanu polowetsa ZIP code yanu.

Pali nthawi zina zolembetsa zamankhwala osiyanasiyana:

• Nthawi yoyamba kulembetsa. Mutha kulembetsa ku Medicare magawo A ndi B miyezi itatu musanakwanitse zaka 65 mpaka miyezi itatu mutakwanitsa zaka 65.
• Tsegulani olembetsa. Ngati mukuyang'ana kuti musinthe kuchuluka kwanu kwa Medicare gawo A kapena B, kapena muli ndi zaka zopitilira 65 koma mukufunikabe kulembetsa, nthawi yolembetsa ndi October 15 mpaka Disembala 7 chaka chilichonse.
• Kulembetsa kwa Medicare Zopindulitsa. Izi zimachitika chaka chilichonse kuyambira Januware 1 mpaka Marichi 31 ndipo zimakupatsani mwayi wosintha gawo limodzi la Gawo C kupita lina.

Ngati mukuthandizira wokondedwa wanu kulembetsa ku Medicare, kumbukirani kuti:

• sonkhanitsani zikalata zofunika, monga khadi yachitetezo cha anthu ndi zikalata zina zilizonse za inshuwaransi
• yerekezerani mapulani pa intaneti kudzera pazida zopezera mapulani a Medicare.gov kapena kudzera patsamba lomwe mumakonda la inshuwaransi

Kutenga

Zero premium Medicare Advantage mapulani atha kukhala njira yabwino kwa anthu omwe akufuna kuti atenge mtolo kapena kuwonjezera zomwe akupezeka ku Medicare. Onetsetsani kuti mukufufuza bwino mapulani musanasankhe chimodzi kuti muwonetsetse kuti chikukwaniritsa zonse zomwe mukufuna.

Nkhaniyi idasinthidwa pa Novembala 13, 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.