Ngabe uhlelo lweMedicare Advantage Buyisela iMedicare Yangempela?

-Delile

• I-Original Medicare ne-Medicare Advantage
• Imithi Yangempela
• Inzuzo yeMedicare
• Okunye umehluko phakathi kwe-Medicare yasekuqaleni neMedicare Advantage
• Ukuhlanganisa okuvamile
• Ukusabalala kwezidakamizwa
• Ukufakwa okungeziwe
• Ukukhethwa kodokotela
• Izinzuzo ezingeziwe
• Ukuvunyelwa kwangaphambili kwezinsizakalo noma okunikezwayo
• Ngabe umboziwe lapho uhamba ngaphandle kwase-U.S.?
• Ithebula lokuqhathanisa lezinzuzo
• Umehluko wezindleko phakathi kwe-Medicare yasekuqaleni neMedicare Advantage
• Izindleko eziphuma ephaketheni
• Umkhawulo waminyaka yonke
• Amaphrimiyamu
• Ukudla okudlela endlini

I-Medicare Advantage, eyaziwa nangokuthi i-Medicare Part C, ingenye indlela, hhayi esikhundleni se-Medicare yasekuqaleni.

Uhlelo lweMedicare Advantage luhlelo “lwento yonke-inye” oluhlanganisa iMedicare Part A, Ingxenye B, futhi, imvamisa, Ingxenye D. Izinhlelo eziningi zeMedicare Advantage nazo zinikela ngezinzuzo ezinjengamazinyo, ukuzwa, nombono okungamboziwe okwangempela Imithi.

Izinhlelo zeMedicare Advantage zinikezwa izinkampani ezizimele ezivunyiwe yiMedicare. Kudingeka ukuthi balandele imithetho ebekwe yiMedicare.

Uma uthatha isinqumo sokujoyina uhlelo lwe-Medicare Advantage, usazoba ne-Medicare kodwa iningi le-Medicare Part A yakho (umshuwalense wesibhedlela) kanye ne-Medicare Part B (umshuwalense wezokwelapha) lizovela ohlelweni lwe-Medicare Advantage, hhayi iMedicare yasekuqaleni.

I-Original Medicare ne-Medicare Advantage

I-Original Medicare ne-Medicare Advantage yizindlela ezimbili eziyinhloko zokuthola i-Medicare.

Imithi Yangempela

I-Original Medicare ifaka:

• Ingxenye A: ukuhlala esibhedlela kweziguli, okunye ukunakekelwa kwempilo ekhaya, ukunakekelwa esikhungweni sabahlengikazi abanamakhono, ukunakekelwa kwe-hospice
• Ingxenye B: ukunakekelwa kweziguli eziphuthumayo, izinsizakalo ze-ambulensi, izinsiza zezokwelapha, izinsizakalo ezithile zikadokotela, izinsizakalo zokuvimbela

Inzuzo yeMedicare

Izinhlelo ze-Medical Advantages zimboza konke okufakwe kwi-Medicare Part A naku-Part B, futhi:

• Ingxenye D: imiyalelo (izinhlelo eziningi)
• ukumbozwa okwengeziwe (ezinye izinhlelo) kufaka phakathi umbono, amazinyo, nokuzwa

Okunye umehluko phakathi kwe-Medicare yasekuqaleni neMedicare Advantage

Ukuhlanganisa okuvamile

Nge-Medicare yasekuqaleni, izinsizakalo nezinsiza ezidingekayo kwezokwelapha emahhovisi odokotela, ezibhedlela, nakwezinye izilungiselelo zokunakekelwa kwezempilo kuyambozwa.

Nge-Medicare Advantage, zonke izinsizakalo ezidingekayo kwezokwelapha ezihlanganiswe nge-Medicare yasekuqaleni kufanele zimbozwe.

Ukusabalala kwezidakamizwa

Nge-Medicare yasekuqaleni ungajoyina uhlelo oluhlukile lweNgxenye D, olufaka ukumbozwa kwemithi.

Nge-Medicare Advantage, izinhlelo eziningi ziza neNgxenye D esivele ifakiwe.

Ukufakwa okungeziwe

Nge-Medicare yasekuqaleni, ungathenga ukumbozwa okungeziwe, njengenqubomgomo yeMedigap, ukuthola ukumbozwa okwengeziwe ngezinkinga zakho ezithile zezokwelapha.

Ngezinhlelo ze-Medicare Advantage, awunakuthenga noma usebenzise ukumbozwa okwehlukile kokungeziwe. Lokho kusho ukuthi uzofuna ukuqinisekisa ukuthi uhlelo olukhethayo luzobhekana nezidingo zakho ngoba ngeke ube nenketho yokwengeza izithasiselo ukunweba ukumbozwa kwakho.

Ukukhethwa kodokotela

Nge-Medicare yasekuqaleni, ungasebenzisa noma yimuphi udokotela noma isibhedlela e-U.S. Esithatha iMedicare. Ezimweni eziningi, awudingi ukuthunyelwa ukuze ubone isazi.

Nge-Medicare Advantage, kuzodingeka ukuthi usebenzise odokotela kwinethiwekhi yohlelo futhi ungadinga ukuthunyelwa ukuze ubone isazi.

Izinzuzo ezingeziwe

I-Original Medicare ayinikezi izinzuzo ezengeziwe, ezifana nokubona, amazinyo, nokuzwa. Esikhundleni salokho, kuzodingeka ungeze kwisengezo ukuze uthole lezi zinzuzo.

Ezinye izinhlelo ze-Medicare Advantage zinikeza izinzuzo ezengeziwe.

Ukuvunyelwa kwangaphambili kwezinsizakalo noma okunikezwayo

Nge-Medicare yasekuqaleni, imvamisa akudingeki ukuthi uthole imvume ngaphambi kwesikhathi sokutholakala kwensizakalo noma kokunikezwa.

Nge-Medicare Advantage, ukuze uqiniseke ukuthi insizakalo noma ukunikezwa kutholakala ngohlelo, kungadingeka ukuthi uthole ukuvunywa kwangaphambilini kwezinye izimo.

Ngabe umboziwe lapho uhamba ngaphandle kwase-U.S.?

I-Original Medicare ngokuvamile ayikubandakanyi ukunakekelwa ngaphandle kwase-U.S., Kodwa ungakwazi ukuthenga inqubomgomo yeMedigap yokumboza ngaphandle kwase-U.S.

I-Medicare Advantage ngokuvamile ayikubandakanyi ukunakekelwa ngaphandle kwe-U.S. Noma ukunakekelwa okungekho okuphuthumayo ngaphandle kwenethiwekhi yohlelo.

Ithebula lokuqhathanisa lezinzuzo

Umehluko wezindleko phakathi kwe-Medicare yasekuqaleni neMedicare Advantage

Izindleko eziphuma ephaketheni

Nge-Medicare yasekuqaleni, ngemuva kokuthi uhlangane nemali yakho edonselwayo, imvamisa uzokhokha amaphesenti angama-20 wemali evunyelwe yi-Medicare ngezinsizakalo ezihlanganiswe neNgxenye B.

Ngezinhlelo ze-Medicare Advantage ungaba nezindleko eziphansi zokuphuma ephaketheni kune-Medicare yasekuqaleni yezinsizakalo ezithile.

Umkhawulo waminyaka yonke

Nge-Medicare yasekuqaleni, awukho umkhawulo waminyaka yonke ezindlekweni ezingaphandle kwezikhwama.

Ngezinhlelo ze-Medicare Advantage kunemikhawulo yaminyaka yonke yezindleko ezingaphandle kwesikhwama zezinsizakalo ezihlinzekwa yi-Medicare Part A ne-Part B. Uma usufinyelele umkhawulo wohlelo lwakho, ngeke ube nezindleko zokuphuma ephaketheni zezinsizakalo ezihlanganiswe Ingxenye A kanye neNgxenye B unyaka wonke.

Amaphrimiyamu

Nge-Medicare yoqobo, ukhokha imali ekhokhwa njalo ngenyanga yeNxenye B. Uma uthenga i-Part D, leyo mali izokhokhwa ngokwehlukana.

Nge-Medicare Advantage, ungakhokha imali ekhokhelwa u-Part B ngaphezu kweprimiyamu yohlelo uqobo.

Izinhlelo eziningi ze-Medicare Advantage zifaka ukumbozwa kwezidakamizwa kadokotela, ezinye zinikela nge-premium engu- $ 0, kanti ezinye zingasiza ukukhokha konke noma ingxenye yamaphrimiyamu wakho wengxenye B.

Ukudla okudlela endlini

I-Medicare Advantage ayithathi indawo yeMedicare yasekuqaleni. Esikhundleni salokho, i-Medicare Advantage ingenye ye-Original Medicare. Lezi zinqumo ezimbili zinokwehluka okungenza umuntu akhethe kangcono kuwe.

Ukusiza ngesinqumo sakho, ungathola eminye imininingwane kusuka ku-:

• I-Medicare.gov
• 1-800 Medicare (1-800-633-4227)
• Izinhlelo Zesizwe Sakho Zomshuwalense Wezempilo (SHIPS)

Imininingwane ekule webhusayithi ingakusiza ekwenzeni izinqumo eziphathelene nomshuwalense, kepha ayihloselwe ukunikeza iseluleko maqondana nokuthengwa noma ukusetshenziswa kwanoma imuphi umshwalense noma imikhiqizo yomshuwalense. I-Healthline Media ayisebenzisi ibhizinisi lomshwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline Media ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.