Yini I-Medicare Part C Cover?

-Delile

• Yini i-Medicare Part C?
• Ngidinga i-Medicare Part C?
• Yini ngempela embozwa yiMedicare Part C?
• Izindleko zePart C zibiza malini?
• ENew York, NY
• I-Atlanta, GA
• I-Dallas, TX
• IChicago, IL
• ILos Angeles, CA
• Ingxenye C iqhathaniswa kanjani namanye amacebo we-Medicare?
• I-Medicare Part A (umshuwalense wesibhedlela)
• I-Medicare Part B (umshuwalense wezokwelapha)
• I-Medicare Part D (uhlelo lwemithi kadokotela)
• Umshuwalense owengeziwe (iMedigap)
• Ukubhalisa ku-Medicare
• Ukuthatha

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I-Medicare Part C iyinhlobo yenketho yomshuwalense enikeza ukumbozwa kwendabuko kwe-Medicare nokuningi. Kuyaziwa nangokuthi yi-Medicare Advantage.

Iningi lezinhlelo ze-Medicare Part C lihlanganisa:

• izindleko zesibhedlela
• izindleko zokwelashwa
• imishanguzo kadokotela
• ukunakekelwa kwamazinyo
• ukunakekelwa kombono
• ukunakekelwa kokuzwa

Ezinye izinhlelo zeMedicare Part C nazo zinikela ngezinzuzo ezengeziwe zokutholakala kwezempilo, njengobulungu bejimu nezinsizakalo zokuhamba.

Kule ndatshana, sizohlola konke okuhlanganiswa yiMedicare Part C, kufaka phakathi ukuthi kungani ungafuna iMedicare Part C nokuthi ingabiza malini.

Yini i-Medicare Part C?

Izinhlelo zeMedicare Part C yizinhlelo zomshuwalense ezinikezwa izinkampani zomshuwalense ezizimele. Lezi zinhlelo, ezaziwa ngamacebo we-Medicare Advantage noma ama-MA, zinikeza ukumbozwa okufanayo ne-Original Medicare ngenzuzo yokutholakala okungeziwe.

Uma usuvele uthola i-Medicare Part A ne-Part B, ufanelekile ku-Medicare Part C.

Izinhlelo zeMedicare Part C zilandela izakhiwo zomshwalense wendabuko futhi zibandakanya:

• Izinhlelo ze-Health Maintenance Organisation (HMO)
• Izinhlelo ze-Preferred Provider Organisation (PPO)
• Izinhlelo ze-Private Fee-For-Service (PFFS)
• Izinhlelo Ezikhethekile (SNP)
• Izinhlelo ze-Medicare Medical Savings Account (MSA)

Ngidinga i-Medicare Part C?

I-Medicare Part C ingaba yindlela enhle kuwe uma:

• usuvele uthola izingxenye ze-Medicare A no-B futhi ufuna ukumbozwa okwengeziwe
• udinga ukumbozwa ngemithi kadokotela
• unentshisekelo ekuhlanganisweni kwezivivinyo zamazinyo zaminyaka yonke, umbono, noma izivivinyo zokuzwa
• unentshisekelo ezinhlotsheni eziningi zokumboza kuhlelo olulodwa olulula

Yini ngempela embozwa yiMedicare Part C?

I-Medicare Part C ihlanganisa lokho okushiwo yi-Medicare Part A (umshuwalense wesibhedlela) kanye ne-Medicare Part B (umshuwalense wezokwelapha).

Iningi lezinhlelo ze-Medicare Part C liphinde linikeze ngemithi kadokotela, yamazinyo, yokubona kanye nokufakwa kwezindlebe. Amanye amacebo anganikela ngokumbozwa okungeziwe kwezinzuzo ezihlobene nezempilo, njengobulungu bejimu kanye nezinsizakalo zokulethwa kokudla.

Ngaphezu kwalokho, izinhlelo zeMedicare Part C ziza ezinhlakeni ezahlukahlukene ezinikeza abantu inkululeko yokuzikhethela ukuthi bafuna uhlelo olunjani.

Isibonelo, abanye abantu abanezimo zezempilo ezingalapheki bangadinga i-Medicare Part C SNP ukusiza ukukhokhela izindleko zokuvakashelwa kwehhovisi, imishanguzo nezinqubo. Abanye abantu bangakhetha uhlelo lwe-Medicare Part C PPO noma lwe-PFFS ukuze babe nenkululeko ethe xaxa yomhlinzeki.

Izindleko zePart C zibiza malini?

Izindleko zohlelo lweMedicare Part C luzoya ngezici ezahlukahlukene. Izindleko ezivame kakhulu ngaphakathi kohlelo lwakho kuzoba:

• Iphrimiyamu yakho yanyanga zonke engxenye B, engakhokhelwa uhlelo lwakho lwengxenye C
• izindleko zakho ze-Medicare Part C, ezibandakanya amaphrimiyamu adonselwa kanye nanyanga zonke
• izindleko zakho eziphuma ephaketheni, ezibandakanya ukukopishwa kwemali kanye nokuqinisekiswa kwemali

Ngezansi kunokuqhathaniswa kwezindleko kwamasu we-Medicare Part C kwamanye amadolobha amakhulu ase-United States. Zonke izinhlelo ezibalwe ngezansi zimboza imishanguzo kadokotela, umbono, amazinyo, ukuzwa, kanye nezinzuzo zokuqina komzimba. Kodwa-ke, zonke zihlukile ngezindleko.

ENew York, NY

Inkampani eyodwa yomshuwalense inikeza uhlelo lwe-HMO olubiza:

• i-premium yanyanga zonke: $ 0
• Ingxenye B ye-premium: $ 135.50
• kwe-network kudonswa minyaka yonke: $ 0
• Ukudonswa kwezidakamizwa: $ 95
• kuma-network aphume ephaketheni max: $ 6,200
• ama-copays / i-coinsurance: $ 25 ngokuvakasha kochwepheshe

I-Atlanta, GA

Inkampani eyodwa yomshuwalense inikeza uhlelo lwe-PPO olubiza:

• i-premium yanyanga zonke: $ 0
• Ingxenye B ye-premium: $ 135.50
• kwe-network kudonswa minyaka yonke: $ 0
• Ukudonswa kwezidakamizwa: $ 75
• ngaphakathi nangaphandle kwenethiwekhi ukuphuma ephaketheni: $ 10,000
• ama-copays / i-coinsurance: i- $ 5 nge-PCP ngayinye kanye ne- $ 40 ngokuvakasha kochwepheshe

I-Dallas, TX

Inkampani eyodwa yomshuwalense inikeza uhlelo lwe-HMO olubiza:

• i-premium yanyanga zonke: $ 0
• Ingxenye B ye-premium: $ 135.50
• kwe-network kudonswa minyaka yonke: $ 0
• Ukudonswa kwezidakamizwa: $ 200
• kuma-network aphume ephaketheni max: $ 5,200
• ama-copays / i-coinsurance: $ 20 ngokuvakashelwa ngongoti

IChicago, IL

Inkampani eyodwa yomshuwalense inikeza uhlelo lwe-HMO Point of Service olubiza:

• i-premium yanyanga zonke: $ 0
• Ingxenye B ye-premium: $ 135.50
• kwe-network kudonswa minyaka yonke: $ 0
• Ukudonswa kwezidakamizwa: $ 0
• kuma-network aphume ephaketheni max: $ 3,400
• ama-copays / i-coinsurance: $ 8 nge-PCP ngayinye kanye ne- $ 45 ngokuvakasha kochwepheshe

ILos Angeles, CA

Inkampani eyodwa yomshuwalense inikeza uhlelo lwe-HMO olubiza:

• i-premium yanyanga zonke: $ 0
• Ingxenye B ye-premium: $ 135.50
• kwe-network kudonswa minyaka yonke: $ 0
• Ukudonswa kwezidakamizwa: $ 0
• in-network out-of-pocket max: $ 999
• ama-copays / ama-coinsurance: $ 0

Kubalulekile ukuqaphela ukuthi lezi zilinganiso zentengo zithathwe ngqo kusuka ku-Medicare.gov futhi azifaki noma yiziphi izinto ezihlukile esimeni sakho, njengokuthi imishanguzo yakho kadokotela ingabiza malini noma ngabe uthola usizo lwezezimali.

Ukuze uthole isilinganiso esinembe kakhudlwana sokuthi uhlelo lweMedicare Part C lungakubiza malini, hlola ithuluzi elithi Thola a Medicare 2020 Plan.

Ingxenye C iqhathaniswa kanjani namanye amacebo we-Medicare?

I-Medicare Part C inikeza inzuzo ngaphezu kwezinye izinhlelo ze-Medicare ngoba ngokuvamile ihlanganisa zonke izembozo ezidingekayo kuhlelo olulodwa olulula.

Ezinye izinhlelo zeMedicare zifaka izingxenye A, B, D, neMedigap. I-Medicare Part D neMedigap yenzelwe ukunikela umshuwalense wokungezelela ezingxenyeni A no-B.

I-Medicare Part A (umshuwalense wesibhedlela)

Ingxenye A ihlanganisa ukuvakashelwa kwezibhedlela, ukunakekelwa kwezindawo zabahlengikazi zesikhashana, izinsizakalo zezempilo emakhaya, nezinsizakalo zokunakekela abagulayo. Uyacelwa ukuthi ube nalokhu kufakwa ukuze ufanelekele i-Medicare Part C.

I-Medicare Part B (umshuwalense wezokwelapha)

Ingxenye B ihlanganisa ukuvimbela, ukuxilonga, kanye nokwelashwa kwezimo zezempilo kanye nokugula kwengqondo. Iphinde ihlanganise izindleko zokuhamba kwezokwelapha. Uyacelwa ukuthi ube nalokhu kufakwa ukuze ufanelekele i-Medicare Part C.

I-Medicare Part D (uhlelo lwemithi kadokotela)

Ingxenye D iyisengezo ku-Original Medicare (izingxenye A no-B) ezingasetshenziswa ukukhokhela izindleko zemithi kadokotela. Ukutholakala kwemithi kadokotela kuvame ukufakwa ezinhlelweni eziningi zeMedicare Part C.

Umshuwalense owengeziwe (iMedigap)

IMedigap wukufakwa okungeziwe kubantu asebevele benezingxenye zeMedicare A no-B. Awudingi umshuwalense weMedigap uma uthola iMedicare Part C, njengoba uhlelo lwakho luzobe seluhlanganisa lokho obekuzokwenziwa iMedigap.

Ukubhalisa ku-Medicare

Ufanelekela i-Medicare Part C uma uneminyaka engama-65 noma ngaphezulu futhi ubhalise ezingxenyeni ze-Medicare A no-B. Uvumelekile ukubhalisa izinyanga ezintathu ngaphambi kosuku lwakho lokuzalwa lwama-65 kuze kufike ezinyangeni ezintathu ngemuva kosuku lwakho lokuzalwa lwama-65.

Ukuze ubhalise ku-Medicare Part C, kufanele futhi ubhalise ezingxenyeni ze-Medicare A no-B. Kumele futhi uhlale endaweni yokumboza nganoma yiluphi uhlelo lwe-Medicare Part C olikhethayo.

Kunezici ezibalulekile ezisiza ilungu lomndeni ukuthi likhethe uhlelo lweMedicare Part C. Nayi imibuzo embalwa ongayibuza umuntu omthandayo:

1. Uzodinga kangaki ukuvakashela udokotela noma ochwepheshe? Iningi le-Medicare Part C lihlela ukukhokhisa ngokuhambela ochwepheshe nabahlinzeki abangaphandle kwenethiwekhi. Kwesinye isikhathi uhlelo lungabiza kakhulu ngaphambili kuma-deductibles nama-premium kodwa lungagcina imali kubantu abanezimo zezempilo ezingapheli ezidinga ukuvakashelwa okuningi kwamahhovisi odokotela.
2. Ungakhokhela malini kuzindleko ezingaphandle kwezikhwama unyaka nonyaka? Cishe zonke izinhlelo zeMedicare, kufaka phakathi izinhlelo zeMedicare Part C, zizobiza inani elithile lemali unyaka nonyaka. Cabanga ngezindleko zeprimiyamu, ekhishwayo, ephezulu ephaketheni, kanye nama-copay.
3. Ufuna ukumbozwa okunjani? Lokhu kungakusiza unciphise ngqo ukuthi iziphi izinhlobo zokumboza ozozifuna ohlelweni lwengxenye C. Kungafaka izinto ezifana nemithi kadokotela, umbono, amazinyo, ukuzwa, ukuqina, ezokuhamba, nokuningi.
4. Uhlobo luni lwecebo onentshisekelo kulo? Izinhlelo zeMedicare Part C zinikezwa ngezinhlaka ezihlukene, ngakho-ke kubalulekile ukwazi ukuthi yiluphi uhlaka oluthandwa yilungu lomndeni wakho. Ngabe banodokotela abamthandayo? Ngabe i-HMO ingonga imali?

Lapho usuba nale ngxoxo nelungu lomndeni wakho, sebenzisa ithuluzi lokuqhathanisa uhlelo ukuthola amapulani asendaweni yangakini ahambelana kahle nezidingo zawo.

Ungaqhathanisa izindleko bese ushayela lezo zinkampani ukuthola okwengeziwe ngalokho abangakunikeza othandekayo wakho.

Ukuthatha

I-Medicare Part C iyindlela yomshuwalense kubantu abafuna ukwaziswa okwengeziwe nge-Medicare. Eyaziwa nangokuthi izinhlelo ze-Medicare Advantage, izinhlelo ze-Part C zikunikeza ithuba lokukhetha uhlobo lohlelo lwakho, ukumbozwa, nezindleko.

Ungahle ufune uhlelo lweMedicare Part C uma:

• thatha imishanguzo kadokotela
• kudinga ukumbozwa kwamazinyo, umbono, noma ukuzwa
• jabulela izinzuzo zezempilo ezengeziwe njengokuqina kanye nokuhamba kwezokwelapha

Emadolobheni amaningi amakhulu ase-U.S, izinhlelo zeMedicare Part C ziqala kusuka ku- $ 1,500 futhi zikhuphuke ezindlekweni ukusuka lapho.

Uma usiza othandekayo ukuba akhethe uhlelo lwe-Medicare Part C, qiniseka ukuthi uhlala phansi uxoxe ngezidingo zabo zokunakekelwa kwezempilo ukuze ubasize bathole uhlelo olunikeza inzuzo enkulu.

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.

Funda le ndatshana ngeSpanishi