Mmene Mungagwiritsire Ntchito Zopindulitsa ndi Zosowa Zanu Zamankhwala Anu
Muli ndi chisankho mukamasayina Medicare. Mutha kulemba kwa Original Medicare ( Part A ndi Part B ) kapena mungasankhe dongosolo la Medicare Advantage . Zosowa za munthu aliyense zidzakhala zosiyana kotero muyenera kuganizira mosamala za zomwe zingakupindulitseni bwino. Njira yabwino yopangira chisankho ndiyo kulinganitsa mutu wa machitidwe awa a Medicare.
Oyambirira Medicare
Kufikira: Muli ndi mwayi waukulu wopezeka kwa a Medicare muzipadera zonse .
Izi zingakhale zofunikira kwambiri kuganizira ngati mukukhala kudera limene kulikusowa kwa dokotala. Zikatero, mungafune kupeza madokotala ambiri momwe angathere.
Zosangalatsa: Mphoto yanu ikhoza kuchotsedwa mwachindunji ku kafukufuku wanu wa Social Security mwezi uliwonse mutayamba kusonkhanitsa madalitso. Simudzasowa kudandaula za kusowa malipiro kapena kutaya chiwerengero chanu chifukwa chosowa malipiro.
Zolemba: Zachiyambi Medicare ndi zofanana kwa aliyense. Palibe kusankha kapena kusankha chithunzi chanu. Ngati mukufuna kugwiritsa ntchito mankhwala osokoneza bongo, muyenera kulembetsa gawo la D.
Zomwe Mwezi Umayambitsa: Oyambirira Medicare nthawi zambiri ndi okwera mtengo kusiyana ndi dongosolo la Medicare Advantage. Mumalipiritsa mwezi uliwonse ku Part B mwezi uliwonse. Ambiri Achimereka amapeza gawo la A premium kwaulere pokhapokha atagwira ntchito zoposa 40 peresenti (zaka khumi) za ntchito ya Medicare-taxed.
Kuchokera mu Pocket Limits: Palibe malire a momwe mungaperekere kwa Original Medicare kunja kwa mthumba.
Izi zikhoza kukwera mtengo ngati mukufuna zofunika zambiri zaumoyo.
Kusungidwa: Ngati muli ndi ndalama zochepa komanso katundu, mukhoza kulandira nawo mbali imodzi mwa Medicare Savings Plans kuti musunge ndalama. Mwachindunji, mukhoza kusunga ndalama zothandizira ndalama, mapepala, ndalama zowonjezera, ndi zopereka zapadera pa Gawo A, Gawo B, ndi Gawo D.
Supplemental Inshuwalansi: Ngati mulibe ndalama zochepa, mungathe kupeza njira zosunga ndalama. Mukhoza kuwonjezera mapulani a MediGap kuti muthe kulipira ndalama zomwe masamba oyambirira a Medicare amagwiritsa ntchito pa tebulo, ndalama monga ndalama zothandizira, mapepala a ndalama, ndi zoperewera za Gawo A ndi Gawo B.
Medicare Ubwino
Kufikira: Muli ndi gulu laling'ono la opereka omwe mungasankhe kuchokera ku intaneti ya Medicare Advantage. Ngati muli kumalo kumene kuli kusowa kwa dokotala, izi zingathe kuchepetsa kupeza kwanu kuntchito.
Zosangalatsa: Mungasankhe dongosolo la Medicare Advantage lomwe limaphatikizapo kulumikizidwa kwa mankhwala D Part D, ndondomeko ya MA-PD. Pachifukwa ichi, kufotokoza kwaumoyo wanu wonse kudzaphatikizidwa mu dongosolo limodzi.
Kuwonjezera: Ndi Medicare Ubwino, mungasankhe ndikusankha kwanu. Choyamba Medicare sichikuphimba chirichonse. Mapulani ena a Medicare Advantage angapereke zina zowonjezera zaumoyo zomwe mungafunike.
Pulogalamu ya Mwezi Imodzi: Mutha kulipira malipiro a Part B kwa boma koma mudzalipiranso mwezi uliwonse kuti mupindule dongosolo la Medicare Advantage. Apa ndi pamene Medicare Advantage ikhoza kukhala yotsika mtengo kwambiri. Mapulani ena a Medicare Advantage, komabe, akhoza kukhala opanda msonkho wapamwamba.
Kuchokera mu Pocket Limits: Boma limapereka malire a momwe mungagwiritsire ntchito ndalama zochuluka kuchokera kunja kwa ndalama za Medicare Advantage mapulani chaka chilichonse koma ntchito zokha zomwe zili ndi gawo A ndi Gawo B.
Mpaka malire mu 2015 anali $ 6,700 koma malire omwe anaikidwa ndi a inshuwalansi apadera anali $ 3,000 - $ 4,000.
Ndondomeko Yopulumutsira: Simukuyenera kukhala ndi Medicare Savings Plan ngati muli pa Medicare Advantage.
Supplemental Inshuwalansi: Simuyenera kulandira pulani ya Medigap ngati muli pa Medicare Advantage.
Mapulani Osintha
Simukugwedezeka mu chisankho chanu. Mutha kusintha ngakhale pakati pa mapulani a Original Medicare ndi Medicare Advantage panthawi yolembera .