Yintoni i-Medicare Part C efihlakeleyo?

Umxholo

• Yintoni iCandelo leMedicare C?
• Ngaba ndiyayifuna iMedicare Icandelo C?
• Yintoni kanye le ayigubungelayo iCandelo leMedicare?
• Zibiza malini izicwangciso zeCandelo C?
• ENew York, NY
• IAtlanta, GA
• Dallas, TX
• IChicago, IL
• ILos Angeles, CA
• ICandelo C lithelekiswa njani nezinye izicwangciso zeMedare?
• Icandelo le-Medicare Icandelo A (iinshurensi yesibhedlele)
• Icandelo le-Medicare Icandelo B (i-inshurensi yonyango)
• Icandelo le-Medicare Icandelo D (isicwangciso samachiza amiselweyo)
• I-inshurensi yokuxhasa (iMedigap)
• Ukubhalisa kwiMedicare
• Ukuthatha

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I-Medicare Icandelo C luhlobo lwenketho yeinshurensi ebonelela ngemveli yokugubungela iMedare nangaphezulu. Kwakhona kwaziwa ngokuba yi-Medicare Advantage.

Uninzi lwezicwangciso zeCandelo leMedare C:

• Iindleko zesibhedlele
• iindleko zonyango
• amayeza amiselweyo
• ukhathalelo lwamazinyo
• ukhathalelo lombono
• ukuva

Ezinye izicwangciso ze-Medicare Part C zikwabonelela ngezibonelelo ezongezelelweyo zokugubungela impilo, ezinje ngobulungu bokuzivocavoca kunye neenkonzo zothutho.

Kweli nqaku, siza kuvavanya yonke into ethi i-Medicare Part C igubungele, kubandakanya nesizathu sokuba ungafuna iMedicare yeCandelo C nokuba ingabiza malini.

Yintoni iCandelo leMedicare C?

Izicwangciso zeMedicare zeCandelo C zizicwangciso zeinshurensi ezinikezelwa ziinkampani zeinshurensi zabucala. Ezi zicwangciso, ngenye indlela ezaziwa ngokuba ziiplani ze-Medicare Advantage okanye iiplani ze-MA, zibonelela ngokugubungela okufanayo ne-Original Medicare ngenzuzo yokufumana ukongeza.

Ukuba sele ufumene i-Medicare Part A kunye ne-Part B, ulungele i-Medicare Part C.

Izicwangciso zeMedicare Icandelo C zilandela izakhiwo zeinshurensi zemveli kwaye zibandakanya:

• Izicwangciso zoMbutho wezeMpilo (HMO)
• Izicwangciso zoMbutho woMboneleli okhethiweyo (PPO)
• Izicwangciso zabucala zokuNika iiNkonzo (PFFS)
• Izicwangciso zemfuno ezizodwa (SNP)
• Izicwangciso zeakhawunti yoLondolozo lwezoNyango iMedicare (MSA)

Ngaba ndiyayifuna iMedicare Icandelo C?

Icandelo le-Medicare Icandelo C kunokuba yinto elungileyo kuwe ukuba:

• sele ufumene iinxalenye zeMedicare A kunye no-B kwaye ufuna ukongezelelwa
• ufuna ukugubungela amayeza kagqirha
• unomdla ekugubungeleni unyaka wamazinyo, umbono, okanye iimviwo zokuva
• unomdla kwiintlobo ezininzi zokugubungela kwisicwangciso esinye esifanelekileyo

Yintoni kanye le ayigubungelayo iCandelo leMedicare?

Icandelo le-Medicare Icandelo C ligubungela oko zombini i-Medicare Icandelo A (i-inshurensi yesibhedlele) kunye ne-Medicare Icandelo B (iinshurensi yezonyango).

Uninzi lwezicwangciso zeCandelo le-Medicare zikwabonelela ngesiyobisi esigqirha, amazinyo, umbono, kunye nokugubungela ukuva. Ezinye izicwangciso zinokubonelela ngenkxaso eyongezelelweyo yezinto ezinxulumene nempilo, njengamalungu okuzivocavoca kunye neenkonzo zokuhanjiswa kwesidlo.

Ukongeza, izicwangciso zeCandelo leMedicare C ziza ngeendlela ezahlukeneyo ezinika abantu inkululeko yokukhetha uhlobo lwesicwangciso abasifunayo.

Umzekelo, abanye abantu abaneemeko zempilo ezingapheliyo banokufuna i-Medicare Part C SNP ukunceda ukuhlawula iindleko zokundwendwela iofisi, amayeza kunye neenkqubo. Abanye abantu banokukhetha i-Medicare Part C PPO okanye isicwangciso se-PFFS ukuze babe nenkululeko engaphezulu yomboneleli.

Zibiza malini izicwangciso zeCandelo C?

Iindleko zesicwangciso seMedicare Part C ziya kuxhomekeka kwizinto ezahlukeneyo. Iindleko eziqhelekileyo kwisicwangciso sakho ziya kuba:

• Intlawulo yepremiyamu yakho yeSahlulo B, esinokuhlawulwa licandelo C.
• iindleko zakho zeCandelo leMedicare C, ezibandakanya iipremiyamu ezitsalwayo kunye nezeenyanga
• iindleko zakho zokuphuma epokothweni, ezibandakanya ukukhutshwa kunye nokuqinisekiswa kwemali

Apha ngezantsi kukho iindleko zokuthelekisa izicwangciso zeCandelo leMedare C kwezinye izixeko ezikhulu ezijikeleze iUnited States. Zonke izicwangciso ezidweliswe ngezantsi zigubungela amayeza amiselweyo, umbono, amazinyo, ukuva, kunye nezibonelelo zomzimba. Nangona kunjalo, zonke ziyahluka ngokweendleko.

ENew York, NY

Inkampani enye yeinshurensi ibonelela ngesicwangciso se-HMO esixabisa:

• Intlawulo yenyanga: $ 0
• Inxalenye yeB yiprimiyamu: $ 135.50
• kuthungelwano lwonyaka oluthe lwatsalwa: $ 0
• Ukutsalwa kweziyobisi: $ 95
• kwinethiwekhi ngaphandle kwe-pocket max: $ 6,200
• Iipopays / i-coinsurance: i- $ 25 ngotyelelo ngalunye

IAtlanta, GA

Inkampani enye yeinshurensi ibonelela ngesicwangciso se-PPO esixabisa:

• Intlawulo yenyanga: $ 0
• Inxalenye yeB yiprimiyamu: $ 135.50
• kuthungelwano lwonyaka oluthe lwatsalwa: $ 0
• Ukutsalwa kweziyobisi: $ 75
• ngaphakathi nangaphandle kwenethiwekhi ngaphandle kwe-pocket max: $ 10,000
• Iipopays / i-coinsurance: i- $ 5 nge-PCP kunye ne- $ 40 ngotyelelo lweengcali

Dallas, TX

Inkampani enye yeinshurensi ibonelela ngesicwangciso se-HMO esixabisa:

• Intlawulo yenyanga: $ 0
• Icandelo le-B le-premium: $ 135.50
• kuthungelwano lwonyaka oluthe lwatsalwa: $ 0
• Ukutsalwa kweziyobisi: $ 200
• kwinethiwekhi ngaphandle kwe-pocket max: $ 5,200
• Iikopi / ukuqinisekiswa kwemali: $ 20 ngotyelelo ngalunye

IChicago, IL

Inkampani enye yeinshurensi ibonelela ngesicwangciso seHMO seNkonzo esixabisa:

• Intlawulo yenyanga: $ 0
• Inxalenye yeB yiprimiyamu: $ 135.50
• kuthungelwano lwonyaka oluthe lwatsalwa: $ 0
• Ukutsalwa kweziyobisi: $ 0
• kwinethiwekhi ngaphandle kwe-pocket max: $ 3,400
• Iipopays / i-coinsurance: i- $ 8 nge-PCP nganye kunye ne- $ 45 ngotyelelo ngalunye

ILos Angeles, CA

Inkampani enye yeinshurensi ibonelela ngesicwangciso se-HMO esixabisa:

• Intlawulo yenyanga: $ 0
• Inxalenye yeB yiprimiyamu: $ 135.50
• kuthungelwano lwonyaka oluthe lwatsalwa: $ 0
• Ukutsalwa kweziyobisi: $ 0
• kwinethiwekhi ngaphandle kwe-pocket max: $ 999
• ukukhuphela / ukuqinisekiswa kwemali: $ 0

Kubalulekile ukuba uqaphele ukuba olu qikelelo lwamaxabiso luthathwe ngokuthe ngqo kwi-Medicare.gov kwaye ayibandakanyi naziphi na izinto ezizodwa kwimeko yakho, ezinje ngamayeza amayeza akho anokubiza okanye ukuba ufumana uncedo lwemali.

Ukufumana uqikelelo oluchanekileyo malunga nokuba isicwangciso seMedicare Part C singakubiza malini, jonga Fumana isixhobo soCwangciso lweMedicare 2020.

ICandelo C lithelekiswa njani nezinye izicwangciso zeMedare?

Icandelo le-Medicare Icandelo C libonelela ngaphezulu kwezinye izicwangciso zeMedare kuba zibandakanya ngokubanzi zonke izinto eziyimfuneko kwisicwangciso esinye esifanelekileyo.

Ezinye izicwangciso zeMedicare zibandakanya iinxalenye A, B, D, kunye neMedigap. I-Medicare Icandelo D kunye neMedigap yenzelwe ukubonelela nge-inshurensi eyongezelelweyo kumacandelo A kunye no-B.

Icandelo le-Medicare Icandelo A (iinshurensi yesibhedlele)

Icandelo A ligubungela utyelelo esibhedlele, ukhathalelo lwexeshana lokonga, iinkonzo zempilo yasekhaya, kunye neenkonzo zokunyamekela abagulayo. Uyacelwa ukuba ube nale ngxelo ukuze ulungele i-Medicare Part C.

Icandelo le-Medicare Icandelo B (i-inshurensi yonyango)

Icandelo B ligubungela uthintelo, isifo, kunye nonyango lweemeko zempilo kunye nezifo zengqondo. Ikwaquka iindleko zothutho lwezonyango. Uyacelwa ukuba ube nale ngxelo ukuze ulungele i-Medicare Part C.

Icandelo le-Medicare Icandelo D (isicwangciso samachiza amiselweyo)

Icandelo D sisongezo kwi-Original Medicare (iinxalenye A no-B) ezinokusetyenziselwa ukuhlawula iindleko zamachiza amiselweyo. Ukufakwa kweziyobisi kugqirha ngokubanzi kufakwe kwizicwangciso ezininzi zeCandelo leMedare C.

I-inshurensi yokuxhasa (iMedigap)

I-Medigap sisongezo esongezelelekileyo kubantu abasele benamacandelo e-Medicare A kunye no-B. Awudingi i-inshurensi yeMedigap ukuba ufumana i-Medicare Part C, njengoko icebo lakho sele liza kugubungela oko iMedigap.

Ukubhalisa kwiMedicare

Ufanelekile kwiCandelo leMedicare C ukuba uneminyaka engama-65 okanye ngaphezulu kwaye ubhalise kumacandelo e-Medicare A no-B. Unelungelo lokubhalisa kwiinyanga ezi-3 ngaphambi kokuzalwa kwakho kwamashumi amathandathu anesihlanu ukuya kuthi ga kwiinyanga ezintathu emva kosuku lwakho lokuzalwa lwama-65.

Ukubhalisa kwiCandelo leMedicare C, kuya kufuneka ubhalise kumacandelo e-Medicare A no-B. Kuya kufuneka uphinde uhlale kwindawo yokugubungela nasiphi na isicwangciso seMedicare Part C osikhethileyo.

Kukho izinto ezibalulekileyo eziya kunceda ilungu losapho ukuba likhethe isicwangciso seMedicare Part C. Nayi imibuzo embalwa ukubuza umntu wakho omthandayo:

1. Uza kufuna kangaphi ukutyelela ugqirha okanye iingcali? Uninzi lweCandelo leMedicare C liceba ukuhlawulisa iingcali kunye nababoneleli abangaphandle kwenethiwekhi. Ngamanye amaxesha isicwangciso sinokubiza ngaphezulu ngaphambili kwi-deductibles kunye neeprimiyamu kodwa zinokugcina imali kubantu abaneemeko zempilo ezingapheliyo ezifuna ukutyelelwa ngakumbi yiofisi kagqirha.
2. Yimalini onokuthi uyihlawule ngaphandle kweepokotho zeendleko ngonyaka? Phantse zonke izicwangciso zeMedicare, kubandakanya nezicwangciso zeMedicare Part C, ziya kubiza imali ethile ngonyaka. Cinga ngeendleko zepremiyamu, ezitsalwayo, ezingaphezulu kweepokotho, kunye neepopay.
3. Loluphi uhlobo lokugubungela olifunayo? Oku kunokukunceda unciphise ngokuthe ngqo ukuba zeziphi iintlobo zokugubungela ukujonga kwisicwangciso seCandelo C. Ingabandakanya izinto ezinje ngamayeza amiselweyo, umbono, amazinyo, ukuva, ukomelela, ukuhambisa, kunye nokunye.
4. Loluphi uhlobo lwesicwangciso onomdla kulo? Izicwangciso zeMedicare zeCandelo C zinikezelwa kwizakhiwo ezahlukeneyo, ke kubalulekile ukuba wazi ukuba leliphi ilungu lomndeni onomdla kulo. Ngaba banaye ugqirha abamthandayo? Ngaba i-HMO ingayonga imali?

Nje ukuba ube nale ngxoxo kunye nelungu losapho lwakho, sebenzisa isixhobo sokuthelekisa isicwangciso ukufumana izicwangciso kwindawo yakho ezifanelekileyo iimfuno zabo.

Ungathelekisa iindleko emva koko utsalele umnxeba ezo nkampani ukuze ufumane okungakumbi malunga nento abanokuyinika umntu omthandayo.

Ukuthatha

I-Medicare Icandelo C lukhetho lwe-inshurensi kubantu abafuna ingxelo engaphezulu yeMedicare. Kwakhona kwaziwa ngokuba yizicwangciso ze-Medicare Advantage, izicwangciso zeCandelo C zikunika ithuba lokukhetha uhlobo lwakho lwesicwangciso, ukukhutshwa kunye neendleko.

Unokufuna isicwangciso seCandelo leMedicare C ukuba:

• thatha amayeza kagqirha
• kufuna amazinyo, umbono, okanye ukuvalelwa
• ukonwabela izibonelelo ezongezelelekileyo zezempilo njengokuqina komzimba kunye nokuhamba kwezonyango

Kwiidolophu ezininzi ezinkulu zase-US, izicwangciso ze-Medicare Part C ziqala kwi- $ 1,500 kwaye zonyusa iindleko ukusuka apho.

Ukuba unceda umntu omthandayo ukhethe isicwangciso seMedicare Part C, qiniseka ukuba uhlala phantsi uxoxe ngezidingo zabo zokhathalelo lwempilo ukubanceda bafumane isicwangciso esibonelela kakhulu.

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.

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