Pamene Oyambirira Medicare Sali Wokwanira
Palibe amene amafuna kuti agwidwe ndi mphepo yamkuntho. M'malo mwake, tikufuna kuti tizisamalira thanzi lathu pansi pa ambulera imodzi. Zosavuta, zabwino, ndi zosavuta.
Mukuchita chiyani pamene ndondomeko yanu ya inshuwalansi sidzaphimba mautumiki onse omwe mukufunikira? Izi ndizovuta anthu ambiri a ku America akukumana nawo akakhala oyenera ku Medicare . Mungathe kuganizira njira yowonjezeredwa ngati mukufuna.
Izi zikhoza kutanthauza kusankha pakati pa dongosolo la Medicare Advantage ndi dongosolo la supplement Medigap.
Zosankha Zanu Zamagetsi
Poyamba Medicare ndi mankhwala osakwanira kwambiri a Medicare. Vutoli limasiya kusiyana kwakukulu kwa mautumiki ambiri omwe okalamba amafunikira pamene akukalamba, kuphatikizapo kulumikizidwa kwa lens (makalenseni kapena magalasi a maso), mazinyo , ndi zothandizira kumva. Mungasankhe kulipira ndalamazo m'thumba kapena mungathe kupeza zina zowonjezera kuti musamawononge ndalama zanu.
Kuti mukwaniritse izi, mungathe kugula dongosolo la Supplement Medigap lomwe mungagwiritse ntchito pogwiritsa ntchito chithandizo chanu choyamba cha Medicare, kapena mungasankhe mtundu wina wa dongosolo la Medicare, dongosolo la Medicare Advantage .
Mwachidziwikire, muli ndi zisankho zitatu:
- Poyamba Medicare ( Mbali A ndi B ) yokha
- Yoyamba Medicare ndi dongosolo la Medigap
- Mapulani a Medicare Advantage plan (Gawo C)
* Mutha kuwonjezera chithandizo cha gawo la D ku zochitika izi.
Musanapange chisankho, dziwani kuti ubwino ndi zopweteka zili pazifukwa izi.
Ubwino Wopanga Njira ya Medicare Advantage Plan
Medicare Zopindulitsa ndondomeko ndi gawo C la Medicare. Muli ndi mwayi wosankha kaya a Original Medicare kapena ndondomeko ya Medicare Advantage, osati onse. Mu 2017, anthu okwana 19 miliyoni a ku America, 33 peresenti ya iwo omwe ali pa Medicare, asankha mapulani a Medicare Advantage.
Nazi izi chifukwa.
- Ntchito zina zophimbidwa. Medicare Zopindulitsa ndondomeko pazomwe zilipo chivundi chirichonse chomwe Choyamba Medicare chimapereka. Ili ndilo lamulo lokhazikitsidwa ndi boma. Malingana ndi ndondomeko ya Medicare Advantage yomwe mumasankha, mungathe kuwonjezera chithandizo cha mautumiki osaphimbidwa ndi Original Medicare.
- Zolinga zambiri. Ngati mukusowa mankhwala osokoneza bongo , muyenera kugula gawo la Gawo D kuwonjezera pa Mankhwala Oyamba. Mapulani ambiri a Medicare Advantage amaphatikizapo gawo la D. Izi zimapangitsa kuti zinthu zikhale zosavuta kwa inu mwa kungoyenera kukonzekera dongosolo limodzi. Amachepetsanso chiwerengero cha malipiro omwe mumalipira mwezi uliwonse.
Zowononga Kupeza Mapulani a Medicare Advantage Plan
Ndondomeko ya Medicare Advantage yooneka ngati yovuta, ingawonongeke. Taganizirani izi musanapange kusankha kwanu.
- Gulu laling'ono la opereka. Mudzakhala ndi makina ochepa omwe angakuthandizeni kusankha kusiyana ndi pansi pa Medicare Yoyamba. Izi zili choncho chifukwa si onse omwe amapereka mankhwala ku Medicare Advantage. Izi zingachititse kuti zikhale zovuta kuti mupeze zosamalidwa nthawi zina.
- Kuthamanga ndi makampani a inshuwalansi yapadera. Ndalama zoyambirira zimasiyanasiyana malinga ndi momwe mumasankhiratu ndondomeko ndi kampani imene mumagula. Izi zikutanthauza kuti muyenera kuchita kafukufuku ndikugulitsa pafupi kuti mutenge bwino. Boma silikulamulira kuchuluka kwa kampani ya inshuwalansi yomwe ikhoza kukulipiritsani ndalama zapayimenti kapena ndalama zina.
Kodi Ndondomeko ya Inshuwalansi ya Medigap Supplemental Ndi Chiyani?
Ngati mutasankha kukhala ndi Medicare Yoyamba, mukhoza kugula dongosolo la Supplement Medigap kuti muthe kulipira ngongole za Medicare . Kuti ziwonekere, mapulani a Medigap samaphimba thandizo lachipatala. Zomwe akuchita ndi kuchepetsa ndalama zomwe masamba oyambirira a Medicare amagwiritsa ntchito patebulo, mtengo monga ndalama zowonongeka, ndalama zothandizira ndalama, komanso mapepala.
Simungakhale ndi dongosolo la supplement Medigap ndi dongosolo la Medicare Advantage. Mukuyenera kupanga kusankha - ndikofunika kuti mukhale ndi chithandizo chamankhwala kapena ndalama zochepa zowonjezera mtengo ndi zopereka?
Mapulogalamu a Medigap amatchedwa A kupyolera mu N. Amalipiritsa ndalama zomwe mumagwiritsa ntchito poyendetsa ndalama, makamaka ndalama zothandizira ndalama, ndalama zothandizira ndalama, mapepala komanso ndalama zogulira alendo.
Onani kuti E, H, I, ndi J ndondomeko siziperekedwanso.
Mofananamo ndi ndondomeko ya Medicare Advantage, mapulani a Medigap amaperekedwa ndi makampani a inshuwalansi okhaokha koma ndondomeko za federal zikufotokoza zomwe ayenera kuziphimba. Ndondomeko iliyonse yodzitchulidwa idzakhala ndi chidziwitso chofanana, mwachitsanzo, ndondomeko ya F ndiponse pomwe mukugula. Mudzafunika kugula kuzungulira mitengo yabwino.
(Dis) Zopindulitsa za Medicap Supplement Plans Insurance
Malinga a Medigap amakupatsani inu kusinthasintha. Mungasankhe ndondomeko yaing'ono kapena yowonjezereka yowonjezera zosowa zanu pamene mukupitiriza kukhala ndi mwayi wopezeka kwa ogulitsa a Medicare omwe simungakhale nawo pansi pa Medicare Advantage.
Funso loti mudzifunse nokha ndiloti mtengo wa phindu la mwezi uli woyenera ndalama zomwe mudzazisunga muzofunika zapakati pa Medicare.
Gawo lachinyengo pa mapulani a Medigap ndikuti akhoza kukupatsani zambiri ngati muli ndi chikhalidwe chisanayambe . Nthawi ndi nthawi zonse, ndipo ngati muphonya Pulogalamu Yoyenera Yowunikira, kampani ya inshuwalansi ili ndi mphamvu kuti ingakulipireni ndalama zingati. Kuti mupeze mlingo womwe sulikukhudzidwa ndi zikhalidwe zomwe zakhalapo kale, muyenera kulemba pazenera yowona nthawi imodzi yomwe imayambira pamene muyamba kulemba Part B ndipo imatha miyezi sikisi kenako.
*** Onetsetsani kuti musasokoneze inshuwalansi yowonjezela ndi inshuwalansi yachiwiri. Mawuwo amamveka mofanana. Dipatimenti ya inshuwalansi yachiwiri imatanthawuza kuti muli ndi dongosolo lina laumoyo lomwe lidzapereke ntchito zothandizira zaumoyo, mwachitsanzo, ndondomeko yathanzi, ntchito yopuma pantchito, kapena VA. Mapulani a Medigap sawonjezera zina zowonjezera zaumoyo kapena kufalitsa.
Mawu ochokera
Aliyense ali ndi zosowa zosiyana. Ndiwe nokha amene mumadziwa kuti mumakhudzidwa bwanji ndi zomwe mungakwanitse. Ganizirani mosamala za chisankho chomwe chimapangitsa kuti mumvetsetse bwino zomwe mukukumana nazo. Muyenera kusankha ngati mungasungire ndalama zambiri posankha pulani ya Medicare Advantage yomwe imapereka thandizo linalake kapena ndondomeko yowonjezerapo ya Medigap yomwe imachepetsa ndalama zapadera za Medicare's kunja kwa ndalama.
> Zotsatira:
> Jacobson G, Damico A, Neuman T, Gold M. Medicare Zopindulitsa 2017 Zowonjezereka: Kulembetsa Ma Market Market. Webusaiti ya Henry J. Kaiser Family Foundation. Idasindikizidwa pa June 7, 2017.
> Medicare Phindu. Webusaiti ya Henry J. Kaiser Family Foundation. http://www.kff.org/medicare/fact-sheet/medicare-advantage/. Lofalitsidwa May 11, 2016.
> Kodi Medicare Supplement Inshuwalansi (Medigap)? Webusaiti ya Medicare.gov. https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html.