Menene Maganin Magunguna na C?

Wadatacce

• Menene Medicare Sashe na C?
• Shin Ina Bukatar Medicare Part C?
• Menene ainihin aikin Medicare Part C?
• Nawa ne kudin shirin C?
• New York, NY
• Atlanta, GA
• Dallas, TX
• Birnin Chicago, IL
• Los Angeles, CA
• Yaya Kashi na C ke kwatanta da sauran tsare-tsaren Medicare?
• Kashi na A (inshorar asibiti)
• Medicare Sashe na B (inshorar lafiya)
• Sashin Kiwon Lafiya na D (shirin maganin magani)
• Insurancearin inshora (Medigap)
• Shiga cikin Medicare
• Takeaway

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Sashe na Medicare Sashe na C nau'in zaɓi ne na inshora wanda ke ba da sabis na Medicare na gargajiya da ƙari. Hakanan an san shi da Amfani da Medicare.

Yawancin shirin Medicare Part C sun rufe:

• kudin asibiti
• farashin likita
• magungunan ƙwayoyi
• hakori kula
• hangen nesa
• ji kulawa

Wasu shirye-shiryen Medicare Part C suma suna ba da ƙarin fa'idodin ɗaukar hoto, kamar membobin gidan motsa jiki da sabis na sufuri.

A cikin wannan labarin, zamu bincika duk abin da Medicare Part C ya ƙunsa, gami da dalilin da yasa zaku so Medicare Sashe na C kuma nawa ne kuɗin.

Menene Medicare Sashe na C?

Shirye-shiryen Medicare Part C shirye-shiryen inshora ne da kamfanonin inshora masu zaman kansu ke bayarwa. Wadannan tsare-tsaren, in ba haka ba an san su da Shirye-shiryen Amfanin Medicare ko shirin MA, suna ba da ɗaukar hoto iri ɗaya da Asibitin Asali tare da fa'idar ƙarin ɗaukar hoto.

Idan kun riga kun sami Medicare Sashe na A da Sashi na B, kun cancanci Medicare Sashe na C.

Shirye-shiryen Medicare Part C suna bin tsarin inshorar gargajiya kuma sun haɗa da:

• Maungiyar Kula da Lafiya (HMO) ta shirya
• Shirye-shiryen Mai Ba da Agaji (PPO)
• Shirye-shiryen Biyan Kuɗi Na Kai (PFFS)
• Shirye-shiryen Buƙatu na Musamman (SNP)
• Shirye-shiryen Asusun Kula da Lafiya na Medicare (MSA)

Shin Ina Bukatar Medicare Part C?

Sashin Medicare Sashe na C na iya zama kyakkyawan zaɓi a gare ku idan:

• kun riga kun sami sassan Medicare A da B kuma kuna son ƙarin ɗaukar hoto
• kana buƙatar ɗaukar magani
• kuna sha'awar ɗaukar hoto don haƙori na shekara, hangen nesa, ko gwajin ji
• kuna sha'awar nau'ikan ɗaukar hoto da yawa a cikin shirin da ya dace

Menene ainihin aikin Medicare Part C?

Sashe na Medicare Sashe na C ya rufe abin da duka Medicare Sashe na A (inshorar asibiti) da Medicare Sashe na B (inshorar likita) suka rufe.

Yawancin shirye-shiryen Medicare Part C suna ba da kwayar magani, haƙori, gani, da ɗaukar ji. Wasu tsare-tsaren na iya ba da ƙarin ɗaukar hoto don abubuwan da ke da alaƙa da lafiya, kamar membobin gidan motsa jiki da sabis na isar da abinci.

Kari akan haka, shirin Medicare Part C sunzo da tsari iri daban daban wadanda suke baiwa mutane yanci su zabi wane irin tsari suke so.

Misali, wasu mutanen da ke da yanayin rashin lafiya na yau da kullun na iya buƙatar Medicare Part C SNP don taimakawa wajen biyan kuɗin ziyarar ofis, magunguna, da hanyoyin. Sauran mutane na iya son shirin Medicare Part C PPO ko shirin PFFS don samun ƙarin providerancin samarwa.

Nawa ne kudin shirin C?

Kudin shirin Medicare Part C zai dogara ne da dalilai daban-daban. Kudin da aka fi amfani dasu a cikin shirin ku shine:

• kuɗin ku na B kowane wata, wanda shirin Sashin ku na C zai iya rufe ku
• farashin ku na Medicare Part C, wanda ya hada da rarar kudi da na kowane wata
• farashinka daga aljihunka, wanda ya haɗa da sake biyan kuɗi da kuma biyan kuɗi

Da ke ƙasa akwai kwatancen farashi don shirin Medicare Part C a wasu manyan biranen Amurka. Duk tsare-tsaren da aka jera a kasa sun hada da magungunan likitanci, hangen nesa, hakora, ji, da kuma dacewa. Koyaya, dukansu sun bambanta da tsada.

New York, NY

Wani kamfanin inshora yana ba da shirin HMO wanda ke biyan kuɗi:

• darajar kowane wata: $ 0
• Sashe na B bashi: $ 135.50
• cikin-hanyar sadarwar da ake cirewa shekara-shekara: $ 0
• cire kudin magani: $ 95
• a cikin-hanyar sadarwa daga cikin aljihu max: $ 6,200
• tallatawa / tsabar kudi: $ 25 a kowace ziyarar gwani

Atlanta, GA

Wani kamfanin inshora yana ba da shirin PPO wanda ke biyan kuɗi:

• darajar kowane wata: $ 0
• Sashe na B bashi: $ 135.50
• cikin-hanyar sadarwar da ake cirewa shekara-shekara: $ 0
• an cire kudin magani: $ 75
• a ciki-da-cikin-hanyar sadarwar daga aljihu max: $ 10,000
• aysididdigar kuɗi / tsabar kuɗi: $ 5 a kowace PCP da $ 40 a kowace ziyarar gwani

Dallas, TX

Wani kamfanin inshora yana ba da shirin HMO wanda ke biyan kuɗi:

• darajar kowane wata: $ 0
• Sashe na B bashi: $ 135.50
• cikin-hanyar sadarwar da ake cirewa shekara-shekara: $ 0
• cire kudin magani: $ 200
• a cikin-hanyar sadarwa daga cikin aljihu max: $ 5,200
• copays / coinsurance: $ 20 a kowace ziyarar gwani

Birnin Chicago, IL

Insuranceaya daga cikin kamfanonin inshora yana ba da HMO Point na Sabis ɗin sabis wanda ke biyan kuɗi:

• darajar kowane wata: $ 0
• Sashe na B bashi: $ 135.50
• cikin-hanyar sadarwar da ake cirewa shekara-shekara: $ 0
• cire kudin magani: $ 0
• a cikin-hanyar sadarwa daga cikin aljihu max: $ 3,400
• aysididdigar kuɗi / tsabar kuɗi: $ 8 a kowace PCP da $ 45 a kowace ziyarar gwani

Los Angeles, CA

Wani kamfanin inshora yana ba da shirin HMO wanda ke biyan kuɗi:

• darajar kowane wata: $ 0
• Sashe na B bashi: $ 135.50
• cikin-hanyar sadarwar da ake cirewa shekara-shekara: $ 0
• cire kudin magani: $ 0
• a cikin-hanyar sadarwar cikin-aljihu max: $ 999
• biya / tsabar kudi: $ 0

Yana da mahimmanci a lura cewa waɗannan ƙididdigar farashin an ɗauke su kai tsaye daga Medicare.gov kuma kada ku haɗa da wasu abubuwan da suka dace da yanayinku, kamar yawan kuɗin magungunan ku na iya biyan kuɗi ko kuna samun taimakon kuɗi.

Don ƙarin ƙididdigar ƙimar nawa shirin Medicare Part C zai iya kashe maka, bincika Nemo Kayan aikin Medicare 2020 Plan.

Yaya Kashi na C ke kwatanta da sauran tsare-tsaren Medicare?

Sashe na Medicare Sashe na C yana ba da fa'ida akan sauran tsare-tsaren Medicare saboda gabaɗaya ya haɗa da dukkan abubuwan da ake buƙata a cikin shirin da ya dace.

Sauran tsare-tsaren Medicare sun hada da sassan A, B, D, da Medigap. Sashi na Medicare Sashe na D da Medigap suna nufin bayar da ƙarin inshora zuwa sassan A da B.

Kashi na A (inshorar asibiti)

Kashi na A ya shafi ziyarar asibiti, kula da kayan jinya na gajeren lokaci, ayyukan kiwon lafiya na gida, da hidimomin asibiti. Ana buƙatar ku sami wannan ɗaukar hoto don ku cancanci Sashin Medicare Sashe na C.

Medicare Sashe na B (inshorar lafiya)

Sashe na B ya shafi rigakafi, ganewar asali, da kuma kula da yanayin lafiya da cututtukan ƙwaƙwalwa. Hakanan ya shafi farashin jigilar lafiya. Ana buƙatar ku sami wannan ɗaukar hoto don ku cancanci Sashin Kiwon Lafiya na Sashe na C.

Sashin Kiwon Lafiya na D (shirin maganin magani)

Sashi na D ƙari ne akan Asalin Asibiti (sassan A da B) waɗanda za a iya amfani dasu don biyan kuɗin magungunan ƙwayoyi. An haɗa ɗaukar magungunan ƙwayoyi a mafi yawancin shirin Medicare Sashe na C.

Insurancearin inshora (Medigap)

Medigap ƙarin tallafi ne ga mutanen da suka riga suna da sassan Medicare A da B. Ba kwa buƙatar inshorar Medigap idan kun sami Medicare Sashe na C, saboda shirinku zai riga ya rufe abin da Medigap zai yi.

Shiga cikin Medicare

Kun cancanci sashin Medicare Sashe na C idan kun kasance 65 ko tsufa kuma kun shiga cikin sassan Medicare A da B. Kuna da damar yin rijistar watanni 3 kafin ranar haihuwar ku ta 65 har zuwa watanni 3 bayan shekaru 65.

Don yin rajista a cikin Medicare Sashe na C, dole ne kuma a sanya ku a cikin sassan Medicare A da B. Dole ne ku kuma kasance a cikin yankin ɗaukar hoto don duk shirin da kuka zaɓa na Medicare Part C.

Akwai mahimman abubuwan da zasu taimaka wa danginsu su zaɓi shirin Medicare Part C. Ga wasu 'yan tambayoyi don yiwa ƙaunataccenku:

1. Sau nawa zaku buƙaci ziyarci likita ko kwararru? Yawancin Medicare Part C suna shirin caji don ziyartar kwararru da masu ba da hanyar sadarwar. Wani lokaci shirin na iya tsada fiye da gaba a cikin ragi da farashi amma zai iya adana kuɗi don mutanen da ke fama da yanayin rashin lafiya waɗanda ke buƙatar ƙarin ziyarar ofis ɗin likita.
2. Nawa zaku iya biya a aljihun kuɗin kowace shekara? Kusan dukkan tsare-tsaren Medicare, gami da shirin Medicare Sashe na C, za su kashe wasu adadin kuɗi kowace shekara. Yi la'akari da farashin mai mahimmanci, mai sauki, mafi girman aljihun, da kuma masu biyan kuɗi.
3. Wani irin ɗaukar hoto kuke nema? Wannan na iya taimaka muku takaita ainihin nau'ikan ɗaukar hoto da za ku nema a cikin shirin Sashe na C. Zai iya haɗawa da abubuwa kamar magungunan ƙwayoyi, hangen nesa, haƙori, ji, ƙoshin lafiya, sufuri, da ƙari.
4. Wani irin shiri kuke sha'awa? Ana ba da shirin Medicare Part C a cikin tsari daban-daban, saboda haka yana da mahimmanci a san wane tsari dan danginku yake so. Shin suna da likitan da suke so? HMO zai iya ajiye kuɗi?

Da zarar kun yi wannan tattaunawar tare da danginku, yi amfani da kayan kwatancen shirin don nemo tsare-tsaren a yankinku waɗanda suka dace da bukatunsu.

Kuna iya kwatanta farashi sannan kuma ku kira waɗancan kamfanonin don neman ƙarin abin da zai iya ba ƙaunataccenku.

Takeaway

Sashin Medicare Sashe na C zaɓi ne na inshora ga mutanen da suke son ƙarin aikin Medicare. Hakanan an san shi da tsare-tsaren Amfani da Medicare, Shirye-shiryen Sashe na C yana ba ku zarafin zaɓar nau'in shirinku, ɗaukar hoto, da tsada.

Kuna iya son shirin Medicare Part C idan kun:

• sha magungunan likita
• bukatar hakori, hangen nesa, ko ji ɗaukar hoto
• more more fa'idodin kiwon lafiya kamar dacewa da jigilar lafiya

A cikin manyan biranen Amurka da yawa, shirin Medicare Part C yana farawa daga $ 1,500 kuma yana ƙaruwa cikin farashi daga can.

Idan kuna taimaka wa ƙaunataccen ku zaɓi shirin Medicare Part C, ku tabbata cewa ku zauna ku tattauna bukatun lafiyar kowannensu don taimaka musu samun shirin da ke ba da fa'ida mafi yawa.

Bayanin da ke wannan gidan yanar gizon na iya taimaka muku wajen yanke shawara na kanku game da inshora, amma ba a nufin ba da shawara game da sayan ko amfani da kowane inshora ko samfuran inshora. Media na Lafiya ba ya canza kasuwancin inshora ta kowace hanya kuma ba shi da lasisi a matsayin kamfanin inshora ko mai samarwa a cikin kowane ikon Amurka. Media na Lafiya ba ya ba da shawara ko amincewa da wani ɓangare na uku da zai iya ma'amala da kasuwancin inshora.

Karanta wannan labarin a cikin Mutanen Espanya