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
Qaybta B (Caymiska caafimaadka)
Original Medicare
Caymiska qeyb waxaa loogu talo galay:
- Booqashooyinka dhakhatiirta
- Qaliin
- Baaritaanada shaybarka
- Qalabka caafimaadka
- Baaritaanada ka hortaga
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.
Part C (Qorshayaasha Advantage ee Medicare)
Caymiska gaarka ah iyo qorshayaasha caafimaadka
La mid ahQeybaha A & B ee leh saadaalinta kharashaadka jeebka ka baxsan ee la soo celin iyo caymiska badan.
Inta badan si buuxda u daboola:
- Adeegyada fayo qabka
- Baaritaanada arraga
- Baaritaanada maqalka
- Baaritaanada ilkaha (ka hortagga iyo/ama dhammaystiran)
Inta badan qeyb ahaan la daboolo:
- Okiyaalayaasha Indhaha
- Qalabka maqalka
Part D (qorshaha warqada dawada ee dhakhtar qoray)
Caymiska gaarka ah iyo qorshayaasha caafimaadka
Waxay gacan ka geystaan qarashyada dawooyinka dhakhtar qoray ee uusan daboolin Original Medicare.
Xooga daboola:
- Dawooyinka dhakhtar qoray
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
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.
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.
Taageero iyo agabyo
Ma aha in ay adkaato.
La taliyaasheena Blue Cross waa kuwaan:
- Waxay ka caawineysa inaad barato wax ku saabsan aasaasida Medicare iyo qorshayaasheena
- Ka caawinaysa helida qorshaha buuxiya baahiyahaaga
- Ka caawinaya inaad iska diiwaangeliso qorshaha
Tababarro bilaash ah Medicare ah
Nagu soo biir lacag la'aan, waajibaad la'aan, shakhsi ahaan ama aqoon kororsiga si aad u barato wax ku saabsan Medicare iyo qorshayaasha laga heli karo ismaamulka aad ku nooshahay.
is qor maanta
Isbarbardhia qorshayaasha iyo iska diiwaangelinta onlaynka
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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