Izinhlelo zeColorado Medicare ngo-2021

-Delile

• Yini iMedicare?
• Ingxenye D ihlela
• Izinhlelo zeMedicare Advantage
• Yiziphi izinhlelo ze-Medicare Advantage ezitholakala eColorado?
• Ngubani ofanelekela izinhlelo ze-Medicare Advantage eColorado?
• Ngingabhalisa nini kuhlelo lweMedicare Advantage eColorado?
• Amathiphu wokubhalisa kwi-Medicare eColorado
• Izinsiza zeColorado Medicare
• Yini okufanele ngiyenze ngokulandelayo?

Ingabe uthenga uhlelo lweMedicare eColorado? Kunezinhlelo ezahlukahlukene ezikhona ukuhlangabezana nazo zonke izidingo. Cwaninga izinketho zakho ngaphambi kokukhetha uhlelo, bese uthola konke odinga ukukwazi mayelana nezinhlelo zeMedicare eColorado.

Yini iMedicare?

I-Original Medicare (Ingxenye A neNgxenye B) ihlanganisa ukunakekelwa kwesibhedlela nokwelashwa okujwayelekile. Uma uneminyaka yobudala engama-65 noma ngaphezulu, lolu hlelo lomshuwalense wezempilo oluxhaswe uhulumeni luzokusiza ukumboza izindleko zakho zezempilo. Ungase futhi ufanelekele iMedicare uma ungaphansi kweminyaka engama-65 futhi unesimo sokukhubazeka noma esingalapheki.

Ukutholakala ngaphansi kwe-Medicare yoqobo kufaka:

• ukuhlala esibhedlela
• ukunakekelwa kwe-hospice
• aphoyintimenti kadokotela
• imigomo nokunakekelwa kokuvimbela
• izinsizakalo zama ambulensi

Ingxenye D ihlela

I-Medicare Part D ihlanganisa imiyalelo nemithi yakho. Ungabhalisela uhlelo lweNgxenye D kanye nezingxenye A no-B ukwengeza lokhu kufakwa.

Izinhlelo zeMedicare Advantage

I-Medicare Advantage (Ingxenye C) inikeza ukufakwa okuphelele ngezinkampani zangasese zomshuwalense wezempilo.

Uhlelo lweMedicare Advantage luhlanganisa zonke izisekelo ezifana nezindleko zesibhedlela nezokwelapha, futhi izinhlelo eziningi zinikeza nokusetshenziswa kwezidakamizwa kadokotela. Ungathola ukumbozwa okwengeziwe ngombono, amazinyo, ukuzwa, izinhlelo zokuphila kahle, noma ukuthuthwa lapho kubekwa khona abezokwelapha.

Amaphrimiyamu ohlelo lweMedicare Advantage imvamisa angaphezulu kwalokho obuzokukhokhela iMedicare yasekuqaleni, kepha kuya ngezidingo zakho zezempilo, lezi zinhlelo zingakusiza ukuthi wonge ezindlekweni ezingaphandle kwezikhwama ngokuhamba kwesikhathi.

Yiziphi izinhlelo ze-Medicare Advantage ezitholakala eColorado?

Isifunda ngasinye eColorado sinezinketho ezihlukile zohlelo lweMedicare Advantage, ngamanani ahlukile, izinketho zokuhlanganisa, kanye nabahlinzeki benethiwekhi. Abathwali abalandelayo banikela ngamasu Ahlukahlukene Wenzuzo kubahlali baseColorado.

• I-Aetna Medicare
• I-Anthem Blue Cross neBlue Shield
• Impilo Ekhanyayo
• I-Cigna
• Sula Impilo Yentwasahlobo
• IDenver Health Medical Plan, Inc.
• Izinhlelo Zempilo ZangoLwesihlanu
• Humana
• UKaiser Permanente
• UnitedHealthcare

Izithwali ziyahlukahluka ngesifunda, ngakho-ke qiniseka ukuthi ukhetha uhlelo olutholakala endaweni yakho.

Ngubani ofanelekela izinhlelo ze-Medicare Advantage eColorado?

Ukuze ufaneleke kwi-Medicare Advantage, kuzodingeka ube neminyaka yobudala engama-65 noma ngaphezulu futhi uhlangabezane nale mibandela elandelayo:

• ubhalise kwi-Medicare yasekuqaleni, kungaba yiNgxenye A noma B (uma uqoqa iBhodi Yesitimela Yomhlalaphansi noma Izinzuzo Zokuphepha Komphakathi, uzobhaliswa ngokuzenzekelayo kwi-Medicare yasekuqaleni)
• ube yisakhamuzi sase-U.S. noma umhlali unomphela
• ukhokhe intela yokukhokha ye-Medicare ngenkathi esebenza okungenani iminyaka eyishumi

Ungase futhi ufaneleke uma uneminyaka engaphansi kwengama-65 futhi unesimo sokukhubazeka noma esingalapheki esifana nesifo se-renal end (ESRD) noma i-amyotrophic lateral sclerosis (ALS).

Ngingabhalisa nini kuhlelo lweMedicare Advantage eColorado?

Kunezikhathi eziningana lapho ungabhalisa kuhlelo lweMedicare Advantage eColorado.

Uzokwazi ukufaka isicelo ngesikhathi sakho sokuqala sokubhalisa (IEP) kusuka ezinyangeni ezi-3 ngaphambi kwenyanga yakho yokuzalwa engama-65 futhi uphele izinyanga ezi-3 ngemuva kwenyanga yakho yokuzalwa.

Ungase futhi ufanelekele isikhathi sokubhalisa esikhethekile uma ungasenayo imishwalense emsebenzini noma unokukhubazeka.

Ngemuva kwe-IEP, ungabhalisela uhlelo lweMedicare Advantage noma ushintshe phakathi kwabahlinzeki ngesikhathi sokubhalisa esivulekile seMedicare Advantage kusuka ngoJanuwari 1 kuya kuMashi 31. Ungabhalisa futhi kuhlelo noma ushintshe ukumbozwa kwakho ngesikhathi sokubhaliswa sonyaka seMedicare kusuka ngo-Okthoba 15. kuze kube nguDisemba 7.

Ngaphambi kokubhalisa kuhlelo lwe-Medicare Advantage, kuzodingeka uqale ubhalise kwi-Medicare yasekuqaleni.

Amathiphu wokubhalisa kwi-Medicare eColorado

Ngaphambi kokuthi ubhalise ohlelweni lwe-Medicare, cabanga ngokucophelela ngokuthi hlobo luni lokumboza oludingayo.

Lapho uthenga uhlelo olukufanele, funda izibuyekezo zabathwali abambalwa, futhi uhlaziye izindleko. Qhathanisa amapulani ngokubheka okudonswayo, ukumbozwa kwezidakamizwa noma ama-copay, ne-premium plan.

Zibuze le mibuzo:

• Ngakanani amaprimiyamu ami amanje, imali edonswayo, nezinye izindleko zokunakekelwa kwezempilo, futhi ingabe nginayo imali engiyidingayo engiyidingayo?
• Ngijabule ngodokotela wami wamanje, noma bengingazimisela ukushintshela kudokotela wenethiwekhi? Njengengxenye yosesho lwakho, shayela ihhovisi likadokotela wakho ukubuza ukuthi yiziphi izinhlelo abazemukelayo. Bheka uhlelo oluzohlanganisa ukuqokwa kukadokotela wakho noma useshe udokotela wenethiwekhi.
• Ngikhokha malini ephaketheni ngonyaka emithini kadokotela? Uma uthatha imishanguzo ejwayelekile, uhlelo lwezidakamizwa kadokotela noma uhlelo lwe-Advantage lungakongela imali.
• Ingabe ikhona ikhemisi elingcono eduze? Ukushintsha ikhemisi lakho kungasiza nasekunciphiseni izindleko zemithi. Ikhemisi elisekhoneni lilula, kepha ikhemisi elisedolobheni lonke lingahlinzeka ngokutholakala okungcono, futhi likongele imali ngemiyalelo yakho inyanga ngayinye.

Ungahlola ikhwalithi yohlelo usebenzisa uhlelo lokulinganisa izinkanyezi lwe-CMS. Lesi silinganiso sezinkanyezi ezi-5 sincike ekusebenzeni kwepulani ngonyaka owedlule, futhi isilinganiso esiphezulu sisho ukuthi uhlelo liletha ukumbozwa okuhle. Ukukhetha uhlelo olunesilinganiso esingu-4 noma 5star kuzoqinisekisa ukuthi uthola ukumboza okufunayo, futhi ufinyelele kalula kuzo zonke izinsizakalo zezempilo ozidingayo.

Izinsiza zeColorado Medicare

Ngemininingwane engaphezulu ngezinhlelo zangempela zeMedicare neMedicare Advantage eColorado, finyelela usizo. Ungathola eminye imininingwane ngokuthinta:

• Uhlelo Lokusizwa Komshwalense Wezempilo Wombuso (UMKhumbi): 888-696-7213. Khuluma nomeluleki we-SHIP, uthole imininingwane ethe xaxa nge-Medicare, thola usizo lokubhalisa, futhi uthole ukuthi ngabe uyafaneleka yini Izinhlelo Zokulekelelwa Kwezimali Eziphansi ukukhokhela izindleko ze-Medicare eColorado.
• UMnyango Wezokulawulwa Okulawulayo waseColorado: 888-696-7213. Thola Izindawo ZOMKHUMBI, funda ngezinzuzo zemithi kadokotela, thola izisekelo ze-Medicare, futhi uthole ukugada okuphezulu kweMedicare.
• Uhlelo Lwezempesheni Zabadala kanye noHlelo Lokunakekelwa Kwezokwelapha (OAP). Thola usizo uma uthola i-Old Age Pension kepha ungafaneleki ukuthola i-Health First Colorado. Izinombolo zokuxhumana ziyahlukahluka ngesifunda.
• Izinsizakusebenza zokuncishiswa kwezidakamizwa. Thola imininingwane yokuthi ungayithenga kanjani imithi kadokotela ebiza izindleko eziphansi, futhi ufunde kabanzi mayelana nezinhlelo zosizo lweziguli.
• Imithi: 800-633-4227. Thola ulwazi oluthe xaxa ngezinhlelo zeMedicare, ukumbozwa, kanye nabathwali eColorado.
• Ibhodi Yomhlalaphansi Kajantshi: 877-772-5772. Uma ufanelekela ukuthola imihlomulo kwiBhodi Yokuthatha Umhlalaphansi Kajantshi, thola lonke ulwazi oludingayo ngokuxhumana nabo ngqo.

Yini okufanele ngiyenze ngokulandelayo?

Linganisa umshuwalense wakho wezempilo ngo-2021, bese uthola uhlelo lweMedicare Advantage olusebenzela wena.

• Khetha uhlobo lwecebo le-Medicare Advantage olidingayo, bese unquma isabelomali sakho.
• Qhathanisa Izinhlelo Zenzuzo eColorado, hlola izilinganiso zezinkanyezi ze-CMS, bese uqinisekisa ukuthi izinhlelo ozibukayo ziyatholakala esifundeni sakho.
• Lapho usuthole uhlelo olulungile, vakashela iwebhusayithi yenkampani yenethiwekhi ukuthola eminye imininingwane, gcwalisa ifomu lokubhalisa iphepha, noma ushayele umphathi ukuze aqale inqubo yokufaka isicelo ocingweni.

Noma ngabe ukhetha ukumbozwa kwangempela kwe-Medicare noma uhlelo lwe-Medicare Advantage, qiniseka ukuthi uhlola ngokucophelela izinketho zakho, bese ulungiselela i-2021 enempilo.

Lo mbhalo uvuselelwe ngo-Okthoba 6, 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.