Pezani Mapulani a Medicare Amene Ali Oyenera Kwa Inu
Medicare Enrollment Open , yomwe ikuchitika kuyambira October 15 mpaka December 7 chaka chilichonse, ndi nthawi yabwino kuti muime ndi kuganizira za thanzi lanu. Dzifunseni nokha mafunso asanu ophweka ndipo mutha kukhala okhoza kupeza pulani ya Medicare yomwe imakupindulitsani.
1. Kodi thanzi lanu linasintha chaka chatha?
Ngati mwakhala mukupezeka kuti muli ndi matenda, mungafunike kulandira chithandizo chamankhwala.
Kodi maulendo ambiri adokotala adzafunika chaka chino? Ntchito yambiri ya magazi ndi mayeso? Mankhwala ambiri? Pankhaniyi, mungafunike kulingalira ndondomeko yowonjezereka ya Medicare yomwe imakhudza zonsezi. Muyenera kuyankhula ndi wothandizira zaumoyo wanu kuti mukambirane za matenda anu ndi ziyembekezo zomveka za chaka chotsatira.
2. Kodi mwasintha fomu ya Chidziwitso cha kusintha kwa chaka kuchokera ku Medicare Advantage kapena Gawo D D?
Ndondomeko yanu yamakono ya Medicare ingasinthe m'chaka chomwe chikubwera. Ndondomeko ikufunika kuti ndikulembereni chidziwitso chofotokozera zomwe zasintha.
Nthaŵi zambiri mumalandira kalata ya Chidziwitso cha kusintha kwa mwezi mu September. Zowonjezera kapena zopatsa ndalama zingapitirire. Mapulogalamu akhoza kudula kapena kuwonjezeredwa. Ngati muli ndi gawo la D, mankhwalawa akhoza kusintha, mwinamwake sungathe kutseka mankhwala onse omwe mumatenga . Ndi kusintha kumeneku, ndondomeko yanu ingakhale yopanda malipiro kwa inu monga momwe zidakhalira chaka chatha.
Ndi bwino kutenga nthawi kuti mugulitse pa dongosolo lomwe lingakuthandizeni bwino.
3. Kodi munagwiritsa ntchito ndalama zingati pa chisamaliro chaka chatha?
Ndalama zomwe munagwiritsira ntchito pathanzi zimakupatsani chiwerengero cha momwe mungagwiritsire ntchito chaka chomwecho.
Zonse zimatengera masamu ophweka. Onjezerani ndalama zonse zomwe munagwiritsira ntchito pazaka zapitazi.
Izi ziyenera kuphatikizapo ndalama zothandizira ndalama, ndalama zothandizira ndalama, ndalama zothandizira ndalama, ndalama zothandizira ndalama, komanso ndalama zina zonse zomwe mumagula . Ngati munamva kuti ndalamazi zinali zosasamalika kapena zosasamalidwa chaka chatha, muyenera kuyesetsa kupeza ndondomeko yomwe imakuthandizani kulingalira zomwe mumagwiritsa ntchito pansipa. Mwamwayi, chifukwa cha kuwonjezeka kwa mitengo ndi kugulira mitengo kwa pachaka ndi makampani a inshuwalansi, ndalama zanu zenizeni zikhoza kukhala zazikulu kuposa izi. Mosasamala, izi ndi malo ofunika kuyamba.
4. Kodi mukusowa chithandizo chamankhwala ambiri kuposa zomwe poyamba mankhwala a Medicare amapereka?
Mutha kudabwa ndi chomwe Chiyambi cha Medicare ( Part A ndi Part B ) sichikuphimba.
Choyamba Medicare sichikuphimba magalasi oyang'anira (magalasi a maso kapena ma lens), opaleshoni, zothandizira kumva, kapena ngakhale zingwe zoyera za akhungu. Mudzayenera kulipira mthumba kwa mayesero a mano, kumva ndi masomphenya. Mutha kumasiyidwa kuti mulipire chithandizo chamankhwala pakapita maulendo achilendo . Ndondomeko ya Medicare Yopindulitsa ingapereke chithandizo chambiri, kupereka zina zambiri zomwe mukufuna. Ngati mukuyembekezera thandizo linalake lachipatala lomwe silingagwire pansi phindu loyambirira la Medicare, mungafune kufufuza zomwe dongosolo la Medicare Advantage liyenera kupereka.
5. Kodi mumapeza bwanji pulani ya Medicare yabwino?
Medicare yakhazikitsa dongosolo la nyenyezi zisanu za Medicare Advantage ndi D Part D. Zisanu ndizopambana; imodzi ndi yoipa kwambiri.
Chiwerengero cha nyenyezi zisanu chimalingalira utumiki wa makasitomala, madandaulo a membala, ndi zochitika za mamembala ndi ndondomeko, kuphatikizapo ngati osankhidwa akusankha kukhala ndi ndondomekoyi. Pulogalamu ya Medicare Advantage, idzawonanso zopereka zothandizira, monga kuyezetsa kuyesera ndi katemera, komanso momwe dongosolo likuthandizira kuthetsa matenda aakulu. Ngati ndondomeko ili ndi nyenyezi yazing'ono, zingakhale zokhumudwitsa kuti mugwirizane ndi kampaniyo ya inshuwaransi ikadzafika nthawi yobwezera ntchito zanu. Muyenera kuyeza zomwe zili zofunika kwambiri kwa inu, dongosolo lochepa mtengo kapena ndondomeko yapamwamba. Tikukhulupirira, mungapeze dongosolo lomwe likukhudzana ndi zosowa zonsezi.
Mawu ochokera
Medicare Kulembetsa Otsegula kungakhale nthawi yosokoneza kwa anthu ambiri. Ndizochita zambiri, zingakhale zovuta kudziwa komwe mungatembenuke. Dzifunseni mafunso awa osavuta kuti muwone ngati ndondomeko yanuyo ikukwaniritsa zosowa zanu m'chaka chomwe chikubwera, ndipo fufuzani kafukufuku kuti muwone ngati ndondomeko ina ingakhale yabwino.