Indlela yokulinganisa iiNzuzo kunye nokuThengwa kweeMpilo zakho
Unokukhetha xa ubhalisela i-Medicare. Ungabhalisela i-Original Medicare ( Icandelo A kunye neCandelo B ) okanye unokukhetha icebo le- Medicare Benevantage . Iimfuno zabantu bonke ziya kuba zahluke ngoko kufuneka ucinge ngenyameko malunga nento eya kusebenza ngayo. Indlela efanelekileyo yokwenza ukhetho kukuthelekisa le ntloko yokukhetha i-Medicare.
I-Medicare yasekuqaleni
Ukufikeleleka: Ufikeleleke kwilizwe jikelele kubanikezeli beMedare kuzo zonke izinto ezizodwa .
Oku kungabalulekanga ngokukhethekileyo ukuba ucinge ukuba uhlala kwindawo apho kukho ukunqongophala kwamagqirha. Kwimeko enjalo, mhlawumbi ufuna ukufumana oogqirha abaninzi ngangokunokwenzeka.
Ukuzonwabisa: Iifomum zakho ziyakhutshwa ngokukhawuleza kwi-Check Safety yeNtlalo nganye ngenyanga xa uqala ukuqokelela inzuzo. Awudingi ukukhathazeka ngeentlawulo ezingekhoyo okanye ukulahlekelwa ngumsebenzi wakho wokungabikho kwentlawulo.
Umlinganiselo: I-Medicare yasekuqaleni ifanayo kumntu wonke. Akukho kukhethwa okanye ukhetha ukufikelela kwakho. Ukuba ufuna ukukhutshwa kwezidakamizwa, uya kufuneka ubhalise kwisicwangciso seCandelo D.
IiNyanga zeNyanga zeMali: I-Medicare yasekuqaleni ngokuqhelekileyo ixabiso elingabizi ngaphaya kwecebo le-Advantage plan. Uhlawula iintlawulo zenyanga zenyanga kwiNgxenye B nganye inyanga. Abaninzi baseMerika bafumana iiprayimenti zeNgxenye ye-avulekileyo ngaphandle kokuba abazange basebenze ngaphezulu kwe-40 kwikota (iminyaka eyi-10) ye-Job tax tax taxed.
Ukuphuma kwePocket Limits: Akukho mda wokuba ungayikhokhela phi iMary Medicare ngaphandle kwesikhwama.
Oku kunokukhawuleza ukuba kubize xa ufuna uninzi lweenkonzo zonyango.
Ukulondolozwa: Ukuba unemivuzo engenayo kunye neyeempahla, unokufanelekela ukuthatha inxaxheba kwiSicwangciso soMgcini-mali soMgcini-mali ukugcina iindleko phantsi. Ngokukodwa, ungagcina kwi- coinsurance, ikopi, i-deductibles kunye nama-premium kwiCandelo A, iNxalenye B, kunye neCandelo D.
Inkonzo yomshuwalense: Ukuba ungenayo imali ephantsi, usenokufumana iindlela zokugcina iindleko zokujonga. Unokongeza isicwangciso seMediaGap esongezelelweyo ukuze uncede ukuhlawula iindleko zeMveli yeMveli eziphuma etafileni, iindleko ezinjenge-coinsurance, i-copayments, kunye neengxowankulu zeCandelo A kunye neCandelo B.
Medicare Benevantage
Ukufikelela: Unomnxeba omncinci wababoneleli abanokuwukhetha kwi-Network Advantage network. Ukuba unendawo apho kukho ukunqongophala kwamagqirha, oku kunokukunciphisa ukufikelela kwakho ekunakekelweni kwezempilo.
Ukuzonwabisa: Unokukhetha isicwangciso se-Medicare Benevantage esichaphazelekayo ngeCandelo D, isicwangciso se-MA-PD. Kule meko, yonke inkcazo yempilo yakho iya kubandakanywa kwisicwangciso esinye.
Ubungakanani: Nge-Medicare Benevantage, ungakhetha kwaye ukhethe i-coverage yakho. I-Medicare yasekuqaleni ayifuni yonke into. Ezinye izicwangciso ze-Medicare Benevantage ziza kunika iinkonzo ezongezelelweyo zempilo onokuzifuna.
IiNyanga zeNyanga zeeNyanga: Uhlawula iiprayimari zeNgxenye B ku rhu lumente kodwa uya kuhlawula i-premium yenyanga ukuze ufumane isicwangciso soMcebisi we-Medicare. Le yilapho i-Medicare Advantage ingaba yindleko. Ezinye izicwangciso ze-Medicare Benevantage, nangona kunjalo, zinokuba yi-premium mahala.
Ukuphuma kwePocket Limits: Urhulumente wesigqeba ubeka umda malunga nokuba ungayichitha imali engakanani kwiindleko ze-Poetry Benevantage ngonyaka ngamnye kodwa kuphela iinkonzo ezihlanganiswe yiCandelo A kunye neCandelo B.
Umda ophezulu ngo-2015 wawungamaRandi ayi-6 700 kodwa umyinge osemgangathweni owabekwa ngabanini-mshishino ngabanini-mshishino bange-3,000-$ 4,000.
Isicwangciso soSondlo: Awufanelanga iSicwangciso seMali sokuSindisa ukuba ukhona kwi-Medicare Benevantage.
Intshuwalense eyongezelelweyo: Awufanelanga isicwangciso seMedigap ukuba ukhona kwi-Medicare Benevantage.
IziCwangciso zoTshintsho
Awunamathele kwisigqibo sakho. Unako utshintsho phakathi kweMveli ye-Medicare ne-Medicare Benevantage kwizicwangciso ngexesha lootitshala ababhalisiweyo .