Lamaane waayeel ah oo ku fadhiya turnbooyinka

Ku cusub Medicare

Haddii aad hawlgab noqoneyso ama aad ku dhawdahay da'da 65 dhalashaada, waa waqtigii aad baran laheyd wax badan oo ku saabsan Medicare.

 

Raadi jawaabaha aad u baahan tahay.

Si aad xoojiso caymiska ku haboon baahiyahaaga iyo miisaaniyadaada, waa muhiim inaad fahamto faa'iidooyinkaaga. Si aad u saxdo caymiska ku haboon baahiyaahaga iyo miisanida, waa muhiim inaad fahamto faa'iidooyinkaaga.

Medicare waxay bixisaa ilaalinta qiimaha ee ka dhanka ah kharashaadka sare ee caafimaadka, laakiin aysan daboolayn wax walba. Waxaan ka caawin karaa in lagu ogeysiiyo iyo kalsoonida dookhyadda Medicare.

Baro sida Medicare u shaqeeyso.

Raac tillaabooyinkan

Tallaabada1: Si aad ogaato Original Medicare

Medicare waa barnaamijka caymiska caafimaadka ee loogu talo galay dadka Mareykanka kuwaas oo 65 ama ka weyn ama dadka dhalinyarada ah ee naafanimada qaarkooda oo qaata faa'iidooyinka Social Security. Medicare markii hore waxaa loo abuuray labo qeybood Part A iyo Part B. oo Wadajir ah, waxaa loogu yeerada Original Medicare.

Part A: Caymiska Isbitaalka

Original Medicare

Caymiska qeyb waxaa loogu talo galay:

  • Joogitaanka isbitaalka bukaan jiifka
  • Daryeelka kalkaaliyaha xirfadaysan
  • Daryeelka caafimadka ee dadka la nool cudurada aan laga soo kabsaneeynin
  • Daryeelka guriga
Baro wax badan oo ku saabsan Part A

Part B: Caymiska Caafimaadka

Original Medicare

Caymiska qeyb waxaa loogu talo galay:

  • Booqashooyinka dhakhatiirta
  • Qaliin
  • Baaritaanada shaybarka
  • Qalabka caafimaadka
  • Baaritaanada ka hortaga
Baro wax badan oo ku saabsan Part B

Tallaabada 2: Baro sida loo daboolo waxa
Medicare asalka ma aha

Waxaad sidoo kale ku dari kartaa caymiska dheeraadka ah, taas oo ay bixiso Blue Cross iyo Blue Shield of Minnesota, si ay kaga caawiso inaad bixiso kharashaadka aysan daboolin Medicare.

Meesha aad ku nooshahay ayaa go'aaminaysa in aad haysato xulashooyin kala duwan oo qorshayaasha Medicare ah oo la heli karo.

Booqo Qorshayaasha Medicare

Qaybta C: Medicare Faa'iidada

Waxaa lagu bixiyaa caymisyada gaarka loo leeyahay, Medicare Qaybta C waxay isku dartaa faa'iidooyinkaaga Medicare Qaybta A, Qaybta B, iyo badanaa Qaybta D ee hoos yimaada hal qorshe Medicare Advantage.

Qorshayaasha waxay bixin karaan faa'iidooyinka:

  • Ilkaha
  • Aragtida
  • Dhagaysiga
  • Acupuncture
  • Agabyada daawooyinka dhakhtarka uu qorin iyo ka badan
Baro wax badan oo ku saabsan Part C

Part D: Caymiska Maandooriyaha

Medicare Part D waxay ka caawisaa bixinta kharashka warqada dawada ee dhakhtar qoray.

Waxaa lagu dari karaa Medicare asalka ah ama Medicare Dheeri ah ama qorshaha Kharashka Medicare oo aan lahayn faa'iidooyinka warqada dawada ee dhakhtar qoray.

Qorshayaasha Part D Dawooyinka dakhtarka soo Qoray waxaa lagu bixiyaa shirkadaha caymiska gaarka loo leeyahay.

Baro wax badan oo ku saabsan Part D

Kaabida Medicare (Medigap)

Medicare Supplement, oo sidoo kale loo yaqaan Medigap, waa qorshayaal caafimaad oo keliya oo ay bixiyaan caymisyada gaarka loo leeyahay, kuwaas oo gacan ka geysanaya daboolida waxa ay Original Medicare aysan daboolin, oo ay ka mid yihiin:

  • Kharashyada wadaagga ah
  • Wadaaga lacag bixinta caymiska
  • Kharashyada
Baro wax badan oo ku saabsan Medicare Supplement.

Medicare Cost

Medicare Qorshayaasha Cost waxay ku siinayaan dhammaan faa'iidooyinka Medicare asalka ah, iyo faa'iidooyin dheeri ah sida daryeelka ilkaha, aragga, maqalka iyo waxyaabo kale.

Qaar ka mid ah caymiska daawada dhakhtar qoray sidoo kale dookha Part D Dawooyinka dakhtarka soo Qoray.

Waxaa laga heli karaa 21 degmooyinka Minnesota.

Baro wax badan oo ku saabsan kharashka Medicare

Tallaabadda 3: Isdiiwaangeli waqti ku haboon

Mudada Diiwaangelintaada Hore ee Original Medicare waa muddo toddobo-bilood ah - laga bilaabo bilooyinka ka hor bisha 65 dhalashadaada ilaa sadex bilood kadib bisha 65dhalashadaada. Caymiska ayaa noqon kara sida ugu dhaqsiyaha badan maalinta koowaad ee bishada aad jirsato65

Baro wax badan oo ku saabsan isdiiwaangelinta Medicare

 

Garaafka diwaangelinta wakhtiga kama dambaysta ah ee Medicare

Dalabka isdiiwaangelinta

Waa inaad iska diiwaangelisa Original Medicare Part A iyo Part B ka hor inta aadan iska diiwaangelinin Medicare Advantage, Medicare Cost, Kaabida Medicare (Medigap) qorshaha Part D Dawooyinka dakhtarka soo Qoray.

Faa'iidooyinka Social Security-ka

Haddii aad horey u qaadanaysa faa'iidooyinka Social Security, waxaad si toos ah laga diiwaangelinaya Medicare Part A iyo Part B.

Naafanimada iyo xeerka 65

Haddii aad iska joojisay iyo aad ku jirto 65, waxaad si toos ah u heli doonta Part A iyo Part B kadib marka aad hesho faa'iidooyinka naafanimada Social Security 24 ilaa bilood.

Shaqaynta hore 65

Haddii adiga ama qorshaha lamanahaaga aad dhaaftaan da'da shaqada 65, waxaa laga yabaa inaad u baahanin iska diiwaanelinta Medicare marka aad gaarto 65.

Baro wax ku saabsan shaqada hore 65

Tallaabada 4: Sida la iskaga diiwaan geliyo qorshaha Medicare ee 'Blue Cross'

Waxaad dooraan kartaa sida aad u rabto inaad iska diiwaangelinta Medicare Advantage (Part C), Kaabida Medicare (Medigap), Medicare Cost ama qorshaha warqada dawada ee dhakhtar qoray.

Baro wax badan oo ku saabsan qorshaha isdiiwaangelinta

Taageero iyo agabyo

Isbarbardhiga qorshayaasha

Blue Cross waxay soo ban dhigaysaa kharashka, PPO, iyo qorshe-yaasha PDP oo leh qandaraasyada Medicare. Ku-biiritaanka qorsha-yaashaan waxay ku xiran tahay cusboonaysiinta qandaraaska.

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