Kusamukira kungakhale nthawi yosokoneza. Ndi zophweka kuti zinthu zing'onozing'ono ziwonongeke pang'onopang'ono kapena aiwalika. Musalole Medicare yanu kufalitsidwa kukhala imodzi mwa mfundo zimenezo.
Malinga ndi mtundu wa chithandizo cha Medicare amene mwasankha ndipo ngati mukuyenda kudutsa m'tawuni kapena kutali, masitepe omwe mukuyenera kutenga angakhale ophweka powadziwitsa Social Security Administration anu adilesi yanu.
Komabe, zikhoza kukhala zovuta monga kuitanitsa nthawi yapadera, kulemba ndondomeko yatsopano yaumoyo, kupeza dokotala watsopano, ndi kusamutsa zolemba zanu zachipatala.
Mtundu wa Medicare Wakuuza Zimene Uyenera Kuchita
Monga mwachidziwitso, mapulani omwe mukufuna kuti mugwiritse ntchito makina othandizira azinthu ndi mapulani omwe amasiyana ndi dera kumadera akuyenera kusinthidwa ngati mukuchoka kunja kwa pulaneti. Ndondomeko zomwe sizikufuna kuti muzigwiritsa ntchito othandizira pa Intaneti siziyenera kusinthidwa. Komabe, malamulo ngati mukufuna kulolera kusintha kapena ayi, nthawi yomwe mumaloledwa kusintha ndondomekoyi, ndi yovuta.
Mapulani Amene Ali Omwe Ku United States
- Medicare Part A
- Medicare Part B
- Mapulani a mtundu wa Medigap
Mapulani Amene Amachokera ku Malo kupita ku Malo kapena Amene Angakufunitseni Kuti Mugwiritse Ntchito Wowonjezera Wowonjezera
- Medicare Part D mankhwala osokoneza mankhwala
- Medicare Part C, osadziwika kuti Medicare Advantage
- Medicare Sankhani, mtundu wapadera wa mapulani a Medigap
Ngati muli ndi Medicare Part A ndi Medicare Part B, muyenera kudziwitsa a Social Security Administration anu kusintha maadiresi, koma simusowa kusintha ndondomeko chifukwa mukusamukira.
Ngati muli ndi dongosolo la Medicare Part D, ndondomeko ya Medicare Advantage, kapena Medigap Medicare Sankhani ndondomeko, muyenera kudziwa ngati aderesi yanu yatsopano akadakali m'deralo.
Ngati sichoncho, mungafunikire kusankha njira yatsopano yomwe imatumikira okhala m'dera lanu latsopano.
Medicare Ubwino & Medicare Part D
Ngati mutatuluka m'dera lanu la ntchito ya Medicare Advantage kapena gawo la utumiki wa Medicare Part D, mukhoza kusintha ku Medicare Advantage kapena mapulani a Medicare Part D omwe amapereka chithandizo kumalo anu atsopano. Mutha kusintha izi mwezi umene mumayenda komanso miyezi iwiri mutasunthira ngati mudziwitsa mapulani anu musanayambe kusuntha. Ngati mudikira mpaka mutasunthira kuti mutchule dongosolo lanu lakusintha kwa adilesi, mutha kusintha ndondomeko mwezi uno ndi miyezi iwiri yotsatira yonse.
Ngati mutachoka m'dera lanu lamadongosolo a Medicare Advantage ndikulephera kulembetsa dongosolo latsopano la Medicare Advantage m'malo anu atsopano, mutha kubwereranso ku Original Medicare. Izi zidzachitika pamene dongosolo lanu lakale la Medicare Advantage likukakamizidwa kukuletsani chifukwa simukukhalabe m'deralo.
Mndandanda wa kusamukira ngati muli ndi Medicare Advantage
Mndandanda wa kusamukira ngati muli ndi Medicare Part D
Kusuntha Kapena Kuchokera Kunyumba ya Achikulire
Ngati mukulowa kapena kuchoka ku nyumba yosungirako okalamba, malamulowo ndi osiyana kwambiri. Mungathe kusintha kuchokera ku Medicare Advantage kapena Medicare Part D kukonzekera.
Mukhoza kusintha kuchokera ku Medicare Advantage ku Original Medicare Parts A ndi B, kapena kusintha kuchokera ku Original Medicare kupita ku Medicare Advantage. Mukhoza kusiya dongosolo lonse la Medicare Part D. Mukhoza kusintha izi mukakhala ku nyumba yosungirako okalamba, ndipo kwa miyezi iwiri mutatha mwezi womwe mumachoka panyumba yosungirako okalamba.
Medigap ndi Kusamukira
Muyenera kudziwitsa kampani ya inshuwalansi yomwe imapereka ndondomeko yanu yothandizira Medigap yowonjezera, koma simungasinthe makampani a inshuwalansi a Medigap. Mapulani a Medigap kawirikawiri amawunikira kudutsa dziko; Mwachitsanzo, Medigap Plan F imafotokozera chimodzimodzi mu dziko limodzi monga momwe zimachitira kudziko lina.
Kotero, mutha kusunga ndondomeko yomweyo ya Medigap ndi kampani ya inshuwalansi ngakhale mutasintha maadiresi. Komabe, ngati chithandizo chamankhwala chiri chokwera kwambiri m'dera limene mukusamukira kusiyana ndi dera limene mukuchokapo, kampani yanu ya inshuwalansi ya Medigap ingaloledwe kuwonjezera malipiro anu a mwezi wa Medigap.
Ngati ndondomeko yanu ya Medigap ndi dongosolo la Medicare Select, lomwe likufuna kuti mugwiritse ntchito magulu ena a othandizira zaumoyo, malamulowa ndi osiyana kwambiri. Ngati mutatuluka m'dera la utumiki wa Medicare Select, muli ndi ufulu wosinthana ndi ndondomeko ina ya Medigap ngati mukufuna. Nthawi yomwe mumaloledwa kusintha ndondomekoyi ndi yochepa, komabe fufuzani ndi kampani ya inshuwalansi yomwe imapereka ndondomeko yanu ya Medicare kusankha kuti mutsimikizire kuti mumvetsetse ndikutsatira malamulo onse.
Mfundo Zina
Muyenera kudziwitsa Social Security Administration a adiresi yanu yatsopano mosasamala kanthu za mtundu wa Medicare omwe muli nawo.
Ngati simungathe kusunga dokotala wanu, muyenera kusankha dokotala watsopano kudera lanu latsopano. Dokotala wanu watsopano wothandizira wamkulu angakhoze kulangiza akatswiri atsopano ngati pakufunika.
Ngati mutasintha madokotala, konzekerani kuti zolemba zanu zachipatala zidzasinthidwe kwa dokotala watsopano. Chabwino, tenga makope kuchokera kwa dokotala wanu wamakono, ndipo manja anu apereke kwa dokotala wanu watsopano.
Ngati mukusowa zambiri, chithandizo cha Medicare ndi 1-800-MEDICARE. Kapena, mungathe kuonana ndi mlangizi ku State Health Insurance Assistance Program kumalo omwe mukusamukira kapena kuchokapo.
> Zotsatira:
> Medigap Chigamulo Chotsimikizika cha Ufulu