Ibiza malini Ingxenye C Yezindleko ngo-2021?

-Delile

• Yini i-Medicare Part C?
• Amathiphu wokuthi ungakhetha kanjani uhlelo
• Izici ezithinta amanani akho we-Medicare Part C
• Amaphrimiyamu
• Okudonswayo
• Ama-copayments kanye ne-coinsurance
• Uhlobo lohlelo
• Indlela Yokuphila
• Imali engenayo
• Ubukhulu obuphuma ephaketheni
• Ukuphatha izindleko zengxenye C
• Kubiza ini i-Medicare Part C?
• Ingabe i-Medicare Advantage ibiza kakhulu kune-Medicare yasekuqaleni?
• Ngikhokha kanjani isikweletu sami sengxenye C?
• Siza ukukhokhela i-Medicare
• Ukuthatha

• I-Medicare Part C ingenye yezindlela eziningi ze-Medicare.
• Ingxenye C ihlela ukumboza lokho okuhlanganiswa yiMedicare yangempela, futhi izinhlelo eziningi ze-Part C zinikeza ukumbozwa okungeziwe kwezinto ezifana namazinyo, umbono nokuzwa.
• Ingxenye C iphethwe yizinkampani zangasese zomshuwalense nezindleko noma isethwe yilezo zinkampani.
• Izinhlelo ze-Part C ongazithola zisekelwe kwikhodi yakho ye-ZIP.
• Ungasesha iwebhusayithi ye-Medicare ukubona ukuthi yimaphi amapulani ore ahlinzekwa endaweni yakho.

I-Original Medicare ne-Medicare Part C yizinketho ezahlukene zomshuwalense ngezindleko ezahlukahlukene.

Izici eziningana zinquma izindleko ze-Medicare Part C, njengama-premium, ama-deductibles, ama-copayments, kanye ne-coinsurance. Lezi zimali zingasuka ku- $ 0 ziye kumakhulu ama-dollar ngamaphrimiyamu nyangazonke kanye nemali ekhishwe minyaka yonke.

Kule ndatshana, sizohlola izindleko ze-Medicare Part C, izinto ezibamba iqhaza kuzo, bese siqhathanisa izindleko ezimbalwa zohlelo ezisuka e-United States.

Yini i-Medicare Part C?

I-Medicare Advantage (Ingxenye C) kungenye indlela ye-Medicare yasekuqaleni enikezwa izinkampani zomshuwalense ezizimele.

Uma usuvele uthola i-Medicare yangempela kepha ufuna ukumbozwa okwengeziwe ngemithi kadokotela nezinye izinsizakalo, iMedicare Part C ingaba yindlela enhle kuwe.

Ngezinhlelo eziningi ze-Medicare Part C, umbozwe lokhu:

• Ukutholakala kwesibhedlela (Ingxenye A). Lokhu kuhlanganisa izinsizakalo zesibhedlela, ukunakekelwa kwempilo yasekhaya, ukunakekelwa kwezindawo zabahlengikazi, nokunakekelwa kwe-hospice.
• Ukutholakala kwezokwelapha (Ingxenye B). Lokhu kufaka ukuvakashelwa kokunakekelwa kwezempilo okuvikela, ukuxilonga, nokwelashwa.
• Ukusetshenziswa kwezidakamizwa kadokotela (Ingxenye D). Lokhu kuhlanganisa izindleko zenyanga zonke zemithi kadokotela.
• Ukufakwa kwamazinyo, umbono, nokuzwa. Lokhu kuhlanganisa ukuhlolwa konyaka kanye neminye imishini yokusiza edingekayo.
• Izinzuzo ezingeziwe. Amanye amapulani ahlanganisa izinzuzo zokunakekelwa kwezempilo, njengobulungu bejimu nokuthuthwa lapho kubekwa khona udokotela.

Uma ukhetha uhlelo lweMedicare Part C, kunezinketho ezahlukahlukene ongakhetha kuzo. Lezi zinketho zohlelo zifaka:

• Izinhlangano Zokulondolozwa Kwezempilo (ama-HMO)
• Izinhlangano Zabahlinzeki Abathandwayo (ama-PPOs)
• Imali Yezinkonzo Ezizimele (PFFS)
• Izinhlelo Ezikhethekile Zezidingo (SNPs)
• Ama-Akhawunti Wokulondolozwa KweMedicare (MSAs)

Ngayinye yalezi zinhlelo inikeza izinzuzo ezahlukahlukene ngokuya ngesimo sakho sezokwelapha.

Amathiphu wokuthi ungakhetha kanjani uhlelo

Kunezici eziningi okufanele uzicabangele lapho ukhetha uhlelo lwe-Medicare Advantage. Cabanga ngezidingo zakho zokunakekelwa kwezempilo, ungakhokhela malini, uhlobo lomshuwalense onalo njengamanje, nokuthi luhlangabezana kanjani nezidingo zakho.

Ungasebenzisa futhi ukuthola ithuluzi lokuhlela le-Medicare ukuqhathanisa amapulani wokuqinisekisa ukuthi uhlelo olukhethayo luhlanganisa lokho okudingayo.

Izici ezithinta amanani akho we-Medicare Part C

Iningi lezindleko zakho ze-Medicare Part C zizonqunywa ngohlelo olukhethayo. Kodwa-ke, indlela yakho yokuphila nesimo sakho sezezimali nakho kungaba nomthelela kuzindleko zakho.

Nazi ezinye zezinto ezivame kakhulu ezithinta lokho ozokukhokhela uhlelo lweMedicare Part C.

Amaphrimiyamu

Ezinye izinhlelo ze-Medicare Part C "azikho mahhala," okusho ukuthi abanayo imali ekhokhwa njalo ngenyanga. Ngisho nohlelo lwe-zero-premium Medicare Advantage, usengakweleta i-Part B premium.

Okudonswayo

Iningi lezinhlelo zeMedicare Part C zinecebo elidonswayo kanye nomuthi odonswayo. Eziningi (kepha hhayi zonke) zezinhlelo zamahhala ze-Medicare Advantage zinikela ngohlelo lwe- $ 0 oludonswayo.

Ama-copayments kanye ne-coinsurance

Ama-copayment amanani ozowakweleta ngokuvakasha kukadokotela ngamunye noma ukugcwaliswa kwemithi kadokotela. Inani le-Coinsurance yinoma yimaphi amaphesenti wezinsizakalo okufanele uzikhokhe ephaketheni ngemuva kokuthi kudonswe imali yakho.

Uma uhlelo lwakho lukhokhisa ukukhokhelwa kwehhovisi likadokotela nokuvakashelwa ngochwepheshe, lezi zindleko zingangeza ngokushesha kubantu abanezimo zezempilo ezingapheli abavakashela amahhovisi kaningi.

Uhlobo lohlelo

Uhlobo lwecebo olikhethayo nalo lungaba nomthelela ekutheni uhlelo lwakho lwe-Medicare Part C lungabiza malini. Isibonelo, uma usohlelweni lwe-HMO noma lwe-PPO kodwa ukhetha ukuvakashela umhlinzeki ongaphandle kwenethiwekhi, lokhu kungakhuphula izindleko zakho.

Indlela Yokuphila

Ngenkathi iMedicare yasekuqaleni ihlanganisa izinsizakalo ezweni lonke, izinhlelo eziningi zeMedicare Advantage zisuselwa endaweni. Lokhu kusho ukuthi uma uhamba kaningi, ungazithola usunamathele ezindlekweni zokwelashwa ezingaphandle kwedolobha.

Imali engenayo

Imali yakho engenayo yonyaka ingabandakanya nokuthi uzokhokha malini kuzindleko zakho ze-Medicare Part C. Kubantu abangenayo imali engenayo noma izinsiza, kunezinhlelo ezingasiza ukwehlisa izindleko zakho ze-Medicare.

Ubukhulu obuphuma ephaketheni

Enye inzuzo ye-Medicare Part C ukuthi zonke izinhlelo ze-Medicare Advantage zinezinga eliphakeme kakhulu lokuphuma ephaketheni. Leli nani liyahlukahluka kepha lingasuka ezinkulungwaneni eziphansi liye phezulu ku- $ 10,000-plus.

Ukuphatha izindleko zengxenye C

Enye yezinto zokuqala ongayenza ukuphatha izindleko zakho ze-Medicare Part C ukufunda izaziso zonyaka ezilandelayo kusuka kuhlelo lwakho:

• Ubufakazi Bokubheka (EOC)
• Isaziso Sonyaka Soshintsho (ANOC)

Lezi zaziso zingakusiza ukuthi unqume ngqo ukuthi yiziphi izindleko ozozikhokha ephaketheni lohlelo lwakho, kanye nanoma yiziphi izinguquko zamanani ezizosebenza ngonyaka olandelayo.

Kubiza ini i-Medicare Part C?

Kunezindleko ezahlukahlukene ezihambisana nezinhlelo zeMedicare Part C. Lezi zindleko zifaka:

• iprimiyamu yenyanga ngayinye yohlelo lwengxenye C
• Ingxenye B ye-premium
• ku-inethiwekhi kudonswa
• izidakamizwa ezidonswayo
• ikopisha
• ukuqinisekiswa kwemali

Izindleko zakho zingabukeka zehlukile kuye ngokutholakala kwakho, uhlobo lohlelo, nokuthi ngabe uthola olunye usizo olwengeziwe lwezezimali.

Ngezansi kwesampula elincane lezindleko zohlelo lweMedicare Part C ezivela kubahlinzeki bomshuwalense abakhulu emadolobheni azungeze i-United States:

Izilinganiso ezingenhla ezango-2021 futhi ziyisampula nje yezinketho eziningi zohlelo ezinikezwa endaweni ngayinye.

Ukuze uthole isilinganiso somuntu siqu sezindleko zohlelo lwe-Medicare Part C ngokuya ngesimo sakho sokunakekelwa kwezempilo, vakashela leli thuluzi lokuthola uhlelo lwe-Medicare.gov bese ufaka ikhodi yakho ye-ZIP ukuqhathanisa amapulani eduze kwakho.

Ingabe i-Medicare Advantage ibiza kakhulu kune-Medicare yasekuqaleni?

Ngenkathi kungabonakala sengathi izinhlelo zeMedicare Advantage zibiza ngaphezu kwe-Medicare yasekuqaleni, zingasiza ekugcineni izindleko zezokwelapha.

Kamuva nje kutholakale ukuthi izindleko zikadokotela beziphansi kubantu ababhalise ezinhlelweni zeMedicare Advantage. Ngaphezu kwalokho, abahlomuli bohlelo lweMedicare Advantage balondoloze imali eningi ezintweni ezifana nemishini yezokwelapha kanye nokuhlolwa kwebhu.

Ngikhokha kanjani isikweletu sami sengxenye C?

Izinkampani eziningi ezinikela ngezinhlelo zeMedicare Part C zinezindlela ezahlukahlukene zokukhokha i-premium yakho. Lezi zinketho zifaka:

• ukukhokhwa kwemali ekhokhwayo online
• ukukhipha ngokuzenzakalela ku-akhawunti yakho yasebhange
• uhoxe ngokuzenzakalela kusuka kusheke lakho lezinzuzo zeSocial Security noma zeSitimela
• isheke noma i-oda lemali

Siza ukukhokhela i-Medicare

Uma unenkinga yokukhokha izindleko zakho ze-Medicare Part C, kunezinsiza ezingasiza:

• 

  Ukuthatha

  • I-Medicare Part C iyindlela enhle yokumboza abahlomuli be-Medicare abafuna ukwanda okwengeziwe.
  • Izindleko zakho ze-Medicare Part C zizofaka ama-premium, ama-deductibles, ama-copayments, kanye ne-coinsurance.
  • Izindleko zakho zizophinde zinqunywe ngokuya ngohlobo lwakho lohlelo, ukuthi udinga kangaki izinsizakalo zezokwelapha, nokuthi hlobo luni lodokotela obabonayo.
  • Uma uneminyaka yobudala engama-65 noma ngaphezulu noma unokukhubazeka okuthile, ufanelekile ukufaka isicelo seMedicare.
  • Vakashela iwebhusayithi ye-Social Security Administration ukuthola eminye imininingwane yokuthi ungasifaka kanjani isicelo futhi ubhalise.

  Lo mbhalo uvuselelwe ngoNovemba 20, 2020, ukukhombisa imininingwane ye-2021 Medicare.

  

  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.