Izinhlelo ze-Arkansas Medicare ngo-2021

-Delile

• Yini iMedicare?
• Yiziphi izinhlelo ze-Medicare Advantage ezitholakala e-Arkansas?
• Ngubani ofanelekela i-Medicare e-Arkansas?
• Ngingabhalisa nini ezinhlelweni zeMedicare Arkansas?
• Amathiphu wokubhalisa kwi-Medicare e-Arkansas
• Izinsiza ze-Arkansas Medicare
• Yini okufanele ngiyenze ngokulandelayo?

I-Medicare wuhlelo lomshuwalense wezempilo kahulumeni wase-U.S. Kubantu abadala abaneminyaka engama-65 nangaphezulu kanye nabantu abakhubazekile noma izimo zezempilo. E-Arkansas, abantu abangaba ngu-645,000 bathola ukutholakala kwezempilo ngeMedicare.

Funda ukuze ufunde nge-Medicare Arkansas, kufaka phakathi ukuthi ngubani ofanelekile, ukuthi ungabhalisa kanjani, nokuthi ungalukhetha kanjani uhlelo oluhle kakhulu lwe-Medicare lwezidingo zakho.

Yini iMedicare?

Uma ubhalisela i-Medicare e-Arkansas, ungakhetha i-Medicare yangempela noma uhlelo lwe-Medicare Advantage.

I-Original Medicare wuhlelo lwendabuko oluqhutshwa uhulumeni wesifundazwe. Lolu hlelo lunezingxenye ezimbili, futhi ungabhalisela eyodwa noma zombili:

• Ingxenye A (umshuwalense wesibhedlela). I-Medicare Part A ikusiza ukuthi ukhokhele ukulala esibhedlela. Iphinde ihlanganise ukunakekelwa kwe-hospice, ukunakekelwa kwezempilo okulinganiselwe ekhaya, nokunakekelwa kwendawo yokunakekelwa kwabahlengikazi yesikhashana.
• Ingxenye B (umshuwalense wezokwelapha). I-Medicare Part B ihlanganisa izinsiza ezahlukahlukene zokuvimbela nezidingayo ngokwezempilo. Lokhu kufaka izivivinyo zomzimba, izinsizakalo zodokotela, nokuhlolwa kwezempilo.

Izinkampani ezizimele zinikeza ukumbozwa okwengeziwe kubantu abane-Medicare yangempela. Ungakhetha ukubhalisela eyodwa noma zombili lezi zinqubomgomo:

• Ingxenye D (ukumbozwa kwezidakamizwa). Ingxenye D yezinhlelo zikusiza ukuthi ukhokhele imishanguzo kadokotela. Azihlanganisi imithi yamakhasimende.
• Umshuwalense wokwengeza we-Medicare (Medigap). Izinhlelo zeMedigap zimboza okunye noma yonke imedecurementure yakho ye-Medicare, ama-copayments nokudonswa kwemali. Lezi zinhlelo eziqinisekisiwe zikhonjiswa ngezinhlamvu: A, B, C, D, F, G, K, L, M, noN.

Izinhlelo zeMedicare Advantage (Ingxenye C) ziyindlela ehlukile yokuthola ukumbozwa kwakho kweMedicare. Banikezwa yizinkampani ezizimele ezenza isivumelwano neMedicare. Izinhlelo zeMedicare Advantage zidinga ukufaka zonke izinsiza zeMedicare A no-B. Lezi zinhlelo ezihlanganisiwe zinganikela ngezinzuzo eziningi ezingeziwe, kufaka phakathi:

• amazinyo, umbono, noma ukunakekelwa kokuzwa
• Ukusetshenziswa kwezidakamizwa kadokotela
• izinhlelo zokuphila kahle, njengobulungu bejimu
• ezinye izinzuzo zezempilo

Yiziphi izinhlelo ze-Medicare Advantage ezitholakala e-Arkansas?

Njengomhlali wase-Arkansas, unezinketho eziningi ze-Medicare Advantage. Kulo nyaka, ungathola uhlelo kusuka ezinkampanini ezilandelayo:

• I-Aetna Medicare
• Konke
• I-Arkansas Blue Medicare
• I-Cigna
• Inzuzo Yezempilo
• Humana
• Ukunakekelwa Kwezempilo KweLasso
• UnitedHealthcare
• I-WellCare

Lezi zinkampani zinikela ngezinhlelo ezifundeni eziningi e-Arkansas. Kodwa-ke, iminikelo yohlelo lweMedicare Advantage iyahlukahluka ngesifunda, ngakho-ke faka ikhodi yakho ye-ZIP ethize lapho ufuna izinhlelo lapho uhlala khona.

Ngubani ofanelekela i-Medicare e-Arkansas?

Abantu abaningi e-Arkansas bangafanelekela ukuthola i-Medicare lapho beneminyaka engama-65. Uzofaneleka uma uzoba neminyaka engama-65 inqobo nje uma lokhu okulandelayo kuyiqiniso:

• usuvele uthola izinzuzo zomhlalaphansi weSocial Security noma uzifanelekela
• uyisakhamuzi noma uhlala unomphela e-United States

Ungakwazi ukuthola iMedicare ngaphambi kosuku lwakho lokuzalwa lwama-65. Ufanelekile kunoma ibuphi ubudala uma:

• bathole izinzuzo ze-Social Security Disability Insurance (SSDI) okungenani izinyanga ezingama-24
• babe nesifo sesifo sokuphela kwesigaba (ESRD)
• une-amyotrophic lateral sclerosis (ALS)

Ngingabhalisa nini ezinhlelweni zeMedicare Arkansas?

Uma ufanelekile ukuthola i-Medicare, kunezikhathi eziningana phakathi nonyaka lapho ungabhalisa ezinhlelweni ze-Medicare. Nazi izinkathi zokubhalisa zeMedicare:

• Ukubhaliswa kokuqala. Ungabhalisa ezingxenyeni ze-Medicare A no-B kusuka ezinyangeni ezintathu ngaphambi kwezinyanga ezintathu ngemuva kosuku lwakho lokuzalwa lwama-65.
• Ukubhaliswa kweMedigap. Ungabhalisa kunqubomgomo yokwengeza ye-Medigap kuze kube izinyanga eziyi-6 ngemuva kokuthi ube neminyaka engama-65.
• Ukubhaliswa okujwayelekile. Ungabhalisa ohlelweni lwe-Medicare noma uhlelo lwe-Medicare Advantage unyaka ngamunye kusuka ngoJanuwari 1 kuya ku-Mashi 31 uma ungazange ubhalise lapho uqala ukufaneleka.
• Ukubhaliswa kwe-Medicare Part D. Ungabhalisela uhlelo lweNgxenye D unyaka nonyaka kusuka ngo-Ephreli 1 kuya kuJuni 30 uma ungazange ubhalise ngenkathi uqala ukufaneleka.
• Vula ukubhaliswa. Ungabhalisa, uphume, noma ushintshe uhlelo lwakho lwe-Medicare Part C noma lwe-Part D unyaka ngamunye kusuka ngo-Okthoba 15 kuya kuDisemba 7, ngesikhathi sokubhalisa esivulekile.
• Ukubhaliswa okukhethekile. Ngaphansi kwezimo ezikhethekile, ungafanelekela isikhathi sokubhaliswa esikhethekile sezinyanga eziyi-8.

Amathiphu wokubhalisa kwi-Medicare e-Arkansas

Kunezinhlelo eziningi zeMedicare Advantage e-Arkansas. Ukunciphisa izinketho zakho, gcina lezi zinto engqondweni:

• Izidingo zokufunda. Izinhlelo eziningi ze-Medicare Advantage zinikeza ukumbozwa i-Medicare yasekuqaleni engakwenzi, njengokufakwa kwamazinyo, ukubona, nokufakwa kwezindlebe. Yenza uhlu lwezinzuzo ozifunayo, bese ubhekisa kulo njengoba uqhathanisa amapulani.
• Hlela ukusebenza. Njalo ngonyaka, i-Centers for Medicare & Medicaid Services (CMS) ishicilela idatha yokusebenza yezinhlelo zeMedicare. Izinhlelo zilinganiswa kusuka enkanyezini eyodwa kuya kwezingu-5, kanti ezi-5 zihamba phambili.
• Izindleko eziphuma ephaketheni. Ama-premium, ama-deductibles, ama-copayments, kanye ne-coinsurance kuzothinta ukuthi ukhokhela malini ukumbozwa kwakho kwezempilo. Ungasebenzisa ithuluzi lokuthola uhlelo lweMedicare ukuqhathanisa izindleko zezinhlelo ezithile zeMedicare Advantage.
• Inethiwekhi yomhlinzeki. Ukuze usebenzise ukumbozwa kwakho kwe-Medicare Advantage, ungadinga ukuthola ukunakekelwa kodokotela, ongoti, kanye nezibhedlela kwinethiwekhi yohlelo. Ngaphambi kokukhetha uhlelo, qinisekisa ukuthi odokotela bakho bakunethiwekhi.
• Ukusabalala kokuhamba. Izinhlelo zeMedicare Advantage azihlali zikhathalela ukunakekelwa okuthola ngaphandle kwendawo yesevisi yohlelo. Uma ungumuntu ovakasha njalo, qiniseka ukuthi uhlelo lwakho luzokumboza ngenkathi ungekho ekhaya.

Izinsiza ze-Arkansas Medicare

Uma unemibuzo mayelana nezinhlelo ze-Medicare e-Arkansas, ungaxhumana:

• Ukuphathwa Kwezokuphepha Komphakathi (800-772-1213)
• Uhlelo lwe-Arkansas State Health Assistance Program (SHIIP) (501-371-2782)

Yini okufanele ngiyenze ngokulandelayo?

Uma usukulungele ukubhalisa ohlelweni lwe-Medicare, unga:

• Bhalisela izingxenye ze-Medicare A no-B ngokusebenzisa i-Social Security Administration. Ungakhetha ukubhalisa ku-inthanethi, mathupha, noma ngocingo.
• Sebenzisa isitholi sohlelo lweMedicare ukuthenga izinhlelo zeMedicare Advantage e-Arkansas. Leli thuluzi likusiza ukuthi uqhathanise izinzuzo nezindleko zohlelo ngalunye.

Lo mbhalo uvuselelwe ngoNovemba 10, 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.