Ngaba isiCwangciso seNzuzo ye-Medicare sithatha indawo ye-Medicare yoqobo?

Umxholo

• I-Medicare yoqobo kunye neNzuzo yeMedicare
• Amayeza okuqala
• Uncedo lweMedicare
• Olunye umahluko phakathi kwe-Medicare yoqobo kunye neNzuzo ye-Medicare
• Ukukhutshwa ngokubanzi
• Ukuthwala iziyobisi
• Ukongezwa okongezelelweyo
• Ukukhetha ugqirha
• Izibonelelo ezongezelelweyo
• Ukuvunywa kwangaphambili kweenkonzo okanye ukubonelelwa
• Ngaba ukhuselekile xa usiya ngaphandle kwe-US?
• Itheyibhile yokuthelekisa izibonelelo
• Umahluko weendleko phakathi kweMedicare yokuqala kunye neMedicare Advantage
• Iindleko eziphuma epokothweni
• Umda wonyaka
• Iintlawulo zanyanga le
• Yise kude

Uncedo lweMedicare, ekwabizwa ngokuba yiMedicare Part C, yenye indlela, hayi endaweni yalo, iMedicare yoqobo.

Isicwangciso se-Medicare Advantage sisicwangciso "sonke-in-one" esiqokelela i-Medicare Icandelo A, iCandelo B, kwaye, ngesiqhelo, iCandelo D. Uninzi lwezicwangciso ze-Medicare Advantage zikwabonelela ngezibonelelo ezinje ngamazinyo, ukuva, kunye nombono ongagutyungelwanga yimvelaphi Unyango.

Izicwangciso ze-Medicare Advantage zinikezelwa ziinkampani zabucala ezivunyiweyo ngamayeza. Bayacelwa ukuba balandele imigaqo ebekwe yiMedicare.

Ukuba uthatha isigqibo sokujoyina isicwangciso se-Medicare Advantage, uyakube unayo i-Medicare kodwa uninzi lwe-Medicare Part A (isibhedlele i-inshurensi) kunye ne-Medicare Part B (i-inshurensi yezonyango) ziya kuvela kwisicwangciso se-Medicare Advantage, hayi kwi-Medicare yoqobo.

I-Medicare yoqobo kunye neNzuzo yeMedicare

I-Original Medicare kunye ne-Medicare Advantage zezi ndlela zimbini ziphambili zokufumana i-Medicare.

Amayeza okuqala

I-Medicare yoqobo ibandakanya:

• Icandelo A: ukuhlala esibhedlele esibhedlele, ezinye ukhathalelo lwempilo ekhaya, ukhathalelo kwiziko lokonga,
• Icandelo B: unyango lwangaphandle, iinkonzo zeenqwelo zezigulana, izinto zonyango, iinkonzo ezithile zogqirha, iinkonzo zokuthintela

Uncedo lweMedicare

Izicwangciso zeZibonelelo zezoNyango zigubungela yonke into efakwe kwiCandelo leMedicare A kunye neCandelo B, kunye:

• Icandelo D: imigqaliselo (uninzi lweeplani)
• ukongeza ukogquma (ezinye izicwangciso) kubandakanya umbono, wamazinyo, kunye nokuva

Olunye umahluko phakathi kwe-Medicare yoqobo kunye neNzuzo ye-Medicare

Ukukhutshwa ngokubanzi

Nge-Medicare yoqobo, uninzi lweenkonzo eziyimfuneko zonyango kunye nokubonelelwa kwiiofisi zoogqirha, izibhedlele, nolunye useto lokhathalelo lwempilo luyagutyungelwa.

Nge-Medicare Advantage, zonke iinkonzo eziyimfuneko zonyango ezigutyungelweyo kwi-Medicare yoqobo kufuneka zigutyungelwe.

Ukuthwala iziyobisi

Nge-Medicare yoqobo ungazibandakanya nesicwangciso seCandelo D esahlukileyo, esibandakanya ukugubungela amayeza.

Ngenzuzo ye-Medicare, izicwangciso ezininzi ziza neCandelo D esele zifakiwe.

Ukongezwa okongezelelweyo

Nge-Medicare yoqobo, ungathenga ukhuselo olongezelelekileyo, njengomgaqo-nkqubo weMedigap, ukufumana ukhuselo olongezelelweyo kwiinkxalabo ezithile zonyango.

Ngezicwangciso ze-Medicare Advantage, awunakuthenga okanye usebenzise ukhuseleko olwahlukileyo. Oko kuthetha ukuba uyakufuna ukuqinisekisa ukuba isicwangciso osikhethileyo siza kubandakanya iimfuno zakho kuba ngekhe ubenalo ukhetho lokongeza izongezo ukwandisa ukogquma.

Ukukhetha ugqirha

Nge-Medicare yoqobo, ungasebenzisa naliphi na ugqirha okanye isibhedlele e-US esithatha iMedicare. Kwiimeko ezininzi, awudingi ukuthunyelwa ukuze ubone ingcali.

Nge-Medicare Advantage, kuya kufuneka ukuba usebenzise oogqirha kuthungelwano lwesicwangciso kwaye unokufuna ukuthunyelwa ukuze ubone ingcali.

Izibonelelo ezongezelelweyo

I-Medicare yoqobo ayiboneleli ngezibonelelo ezongezelelweyo, ezinje ngombono, amazinyo, kunye nokuva. Endaweni yokuba uyakufuna ukongeza kwisongezelelo ukufumana ezi zibonelelo.

Ezinye izicwangciso ze-Medicare Advantage zibonelela ngezibonelelo ezongezelelweyo.

Ukuvunywa kwangaphambili kweenkonzo okanye ukubonelelwa

Nge-Medicare yoqobo, awunyanzelekanga ukuba ufumane imvume ngaphambi kwexesha lokugubungela inkonzo okanye unikezelo.

Nge-Medicare Advantage, ukuze uqiniseke ukuba inkonzo okanye ukubonelelwa kugutyungelwe sisicwangciso, unokucelwa ukuba ufumane imvume kwangaphambili kwezinye iimeko.

Ngaba ukhuselekile xa usiya ngaphandle kwe-US?

I-Original Medicare ngokubanzi ayifihli ukhathalelo ngaphandle kwe-U.S., Kodwa unokukwazi ukuthenga umgaqo-nkqubo weMedigap wokugubungela ngaphandle kwe-U.S.

Uncedo lweMedicare ngokubanzi alugubungeli ukhathalelo ngaphandle kwe-U.S. Okanye ukhathalelo olungxamisekileyo ngaphandle kwenethiwekhi yesicwangciso.

Itheyibhile yokuthelekisa izibonelelo

Umahluko weendleko phakathi kweMedicare yokuqala kunye neMedicare Advantage

Iindleko eziphuma epokothweni

Nge-Medicare yoqobo, emva kokuba udibene nokutsalwa, uya kuhlala uhlawula ama-20 eepesenti yemali evunyiweyo ye-Medicare yeenkonzo ezigutyungelwe iCandelo B.

Ngezicwangciso ze-Medicare Advantage unokuba neendleko eziphantsi kwe-pocket ngaphandle kwe-Medicare yasekuqaleni yeenkonzo ezithile.

Umda wonyaka

NgeMedicare yoqobo, akukho mda wonyaka kwiindleko ezingaphandle kwepokotho.

Ngezicwangciso ze-Medicare Advantage kukho umda wonyaka kwiindleko ezingaphandle kweepokotho zeenkonzo ezigutyungelwe yiCandelo leMedicare A kunye neCandelo B. Nje ukuba ufikelele kumda wesicwangciso sakho, awuyi kuba neendleko zokuphuma epokothweni ngeenkonzo ezihlawulwe yiCandelo A kunye neCandelo B unyaka wonke.

Iintlawulo zanyanga le

Nge-Medicare yoqobo, uhlawula ipremiyamu yenyanga ngeCandelo B. Ukuba uthenga iCandelo D, loo ntlawulo iya kuhlawulwa ngokwahlukeneyo.

Nge-Medicare Advantage, unokuhlawula i-premium yeCandelo B ngaphezu kwepremiyamu yesicwangciso ngokwaso.

Uninzi lwezicwangciso ze-Medicare Advantage zibandakanya ukugubungela iziyobisi, ezinye zinikezela ngeprimiyamu ye- $ 0, kwaye ezinye zinokunceda ukuhlawula zonke okanye isahlulo sepremiyamu yakho yeCandelo B.

Yise kude

Uncedo lweMedicare aluyithathi indawo yonyango lwantlandlolo. Endaweni yoko, i-Medicare Advantage yenye indlela yonyango lwantlandlolo. Olu khetho lubini luneeyantlukwano ezinokwenza ukuba umntu akhethe kakuhle.

Ukukunceda kwisigqibo sakho, unokufumana ulwazi ngakumbi:

• Unyango.gov
• 1-800 amayeza (1-800-633-4227)
• IiNkqubo zikaRhulumente zeNkqubo ye-Inshurensi yezeMpilo (ii-SHIP)

Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.