Izinhlelo zeFlorida Medicare ngo-2021

-Delile

• Ukuqonda izinketho zakho zokuhlanganisa i-Medicare
• Yini i-Medicare Advantage?
• Yiziphi izinhlelo ze-Medicare Advantage ezitholakala eFlorida?
• Ngubani ofanelekela izinhlelo zeMedicare eFlorida?
• Ngingabhalisa nini?
• Amathiphu wokubhalisa kwi-Medicare
• Izinsiza
• Izinyathelo ezilandelayo

Uma uthenga ukumbozwa kweMedicare eFlorida, unokuningi okufanele ucabangele lapho ukhetha uhlelo.

I-Medicare wuhlelo lwezempilo olunikezwa ngohulumeni wobumbano kubantu abaneminyaka engama-65 nangaphezulu kanye nabantu abakhubazekile. Ungathola ukumbozwa ngqo kusuka kuhulumeni noma ngenkampani yomshuwalense yangasese.

Ukuqonda izinketho zakho zokuhlanganisa i-Medicare

I-Medicare ingaphezu kohlelo olulodwa. Kunezinhlelo ezahlukahlukene nezinto ezihlanganisa izinto ezahlukahlukene.

I-Original Medicare iphethwe nguhulumeni wesifundazwe. Ifaka izingxenye ezimbili eziyinhloko, Ingxenye A noNgxenye B.

Ingxenye A ihlanganisa izinsizakalo zesibhedlela. Lokhu kufaka ukunakekelwa kweziguli okwelashwa esibhedlela noma esikhungweni sabahlengikazi abanamakhono, kanye nezinsizakalo zezempilo zasekhaya. Akudingeki ukuthi ukhokhe imali ekhokhelwa iNgxenye A uma wena noma owakwakho nikhokhele i-Medicare ngentela yokukhokha phakathi neminyaka yenu yokusebenza. Lokhu kusebenza kubantu abaningi abanomlando womsebenzi.

Ingxenye B ihlanganisa izindleko zokwelashwa ezijwayelekile, njengezinsizakalo ozithola ehhovisi likadokotela, ukunakekelwa kweziguli ezingalaliswayo, izimpahla zokwelashwa, nokunakekelwa kokuvikela. Uvame ukukhokha imali ekhokhelwa ukumbozwa kwengxenye B.

Ngokuya ngezidingo zakho zezempilo, i-Medicare yasekuqaleni kungenzeka inganikeli ngezembozo ezanele. Akubandakanyi ukumbozwa kwemithi kadokotela, ngokwesibonelo. Futhi izindleko zokuphuma ephaketheni ezinjenge-copayments, i-coinsurance, kanye ne-deductibles ziyengeza, ezingabiza kakhulu uma usebenzisa ukunakekelwa kwezempilo okuningi.

Kukhona futhi izinketho zokwengeza ukumbozwa okungeziwe kuhlelo lwakho lweMedare, ongalithenga enkampanini yomshuwalense wangasese:

• Izinhlelo zokwengeza zeMedicare, kwesinye isikhathi ezibizwa ngokuthi izinhlelo zeMedigap, zisiza ukukhokha izindleko uMedare wokuqala ongazibandakanyi.
• Ingxenye D yezinhlelo zengeza ukumbozwa kwemithi kadokotela.

Ngenye indlela, futhi unenketho yohlelo olulodwa oluphelele olwaziwa njengohlelo lweMedicare Advantage.

Yini i-Medicare Advantage?

Izinhlelo zeMedicare Advantage (Ingxenye C) yizinhlelo ezinikezwa ngezinkampani zomshuwalense ezizimele futhi zithatha indawo ephelele yeMedicare yangempela. Lezi zinhlelo zimboza zonke izinzuzo ezifanayo zezingxenye A no-B, bese kuthi ezinye.

Izinhlelo zeMedicare Advantage ngokuvamile zifaka ukumbozwa kwemithi kadokotela, umbono nokunakekelwa kwamazinyo, ukuphathwa kwezempilo nezinhlelo zokuqina, kanye nezinzuzo ezengeziwe.

Yiziphi izinhlelo ze-Medicare Advantage ezitholakala eFlorida?

Abathwali abaningi bomshuwalense banikela ngezinhlelo zeMedicare Advantage eFlorida ngonyaka ka-2021. Kubandakanya izinkampani ezilandelayo:

• I-Aetna Medicare
• Konke
• I-Ascension iqedile
• I-AvMed Medicare
• Impilo Ekhanyayo
• Izinhlelo zeCarePlus Health, Inc.
• I-Cigna
• Impilo Ezinikele
• Izinhlelo Zodokotela HealthCare, Inc.
• I-Florida Blue
• Inkululeko Health, Inc.
• Izinhlelo ze-HealthSun Health, Inc.
• Humana
• Ukunakekelwa Kwezempilo KweLasso
• MMM waseFlorida, Inc.
• I-Optimum HealthCare, Inc.
• Uhlelo Lokuvelela Kwezempilo
• U-Oscar
• Izinhlelo ze-Simply Healthcare, Inc.
• Izinhlelo Zempilo kaSolis
• UnitedHealthcare
• I-WellCare

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

Ngubani ofanelekela izinhlelo zeMedicare eFlorida?

Ukutholakala kwe-Medicare kuyatholakala kubantu:

• baneminyaka engama-65 noma ngaphezulu
• bangaphansi kweminyaka engama-65 futhi banokukhubazeka okuthile
• baneminyaka yobudala futhi banezifo zesifo sokuphela kwesigaba (ESRD) noma i-amyotrophic lateral sclerosis (ALS)

Ngingabhalisa nini?

Kubantu abaningi, isikhathi sakho sokubhalisa sokuqala seMedicare Florida siqala izinyanga ezi-3 ngaphambi kokuba ube neminyaka engama-65 futhi sihlala izinyanga ezintathu ngemuva kokuthi ube neminyaka engama-65.

Uma ukhetha ukungabhalisi ngesikhathi sakho sokuqala sokubhalisa, uzoba nethuba futhi ngesikhathi sokubhalisa esivulekile, esiqala kusukela ngoJanuwari 1 kuya ku-Mashi 31 unyaka nonyaka.

Uma wena noma oshade naye niqhubeka nokusebenza, ungakhetha ukungabhalisi ku-Medicare coverage (Ingxenye B) okwamanje. Kulezi zimo, ungahle ufaneleke ukuthola isikhathi esikhethekile sokubhalisa ukuze ukhethe ukungena kamuva.

Kepha khumbula, akudingeki ukuthi uhlale ubhalisile ohlelweni lwezempilo lweqembu lomqashi wakho. Ungathola ukuthi iMedicare inikeza ukufakwa okungcono ngemali encane noma ngabe uhlala usebenza ngokugcwele.

Amathiphu wokubhalisa kwi-Medicare

Uhlelo lwe-Medicare olungcono kakhulu kuwe luxhomeke ezicini eziningi ezingase zehluke kuye ngokuncamelayo noma isimo sakho. Cabanga ngokulandelayo lapho ukhetha uhlelo:

• Qhathanisa izakhiwo zepulani. Uma ukhetha uhlelo lweMedicare Advantage, yazi ukuthi lezi zinhlelo zivela ezinhlotsheni ezahlukahlukene zohlelo. Kubalulekile ukuqonda ukuthi uhlelo lusebenza kanjani nokuthi lokho kungathinta kanjani ukunakekelwa kwakho. Ngabe ukhetha ukuba nodokotela wokunakekela oyinhloko owengamele ukunakekelwa kwakho (HMO)? Noma ungathanda ukubona noma yimuphi uchwepheshe kunethiwekhi ngaphandle kokudluliselwa (i-PPO)?
• Cabanga ngezindleko. Ngakanani amaprimiyamu, ama-copayments, ama-deductibles, noma ezinye izindleko? Uma ufanelekela ukumbozwa ngumqashi, lezo zindleko ziqhathaniswa kanjani nezinketho zakho zamanje zokuhlanganisa iqembu?
• Hlola izibuyekezo. Bona ukuthi abanye abathengi bathini ngezinhlelo zabo. Ingabe inqubo yezimangalo isebenza kahle? Ingabe insizakalo yamakhasimende inobungani futhi iyasebenza? Funda izibuyekezo ku-inthanethi noma ubuze lapho ubazi khona abanye abantu ababhalise ezinhlelweni zeMedicare Advantage.
• Buyekeza inethiwekhi yomhlinzeki. Uma unodokotela owuthandayo, funa uhlelo olubandakanya kwinethiwekhi ye-Medicare Florida. Ezinye izinhlelo zingaba nezindawo zokumboza ezincanyana ezingahambelani nezwe. Isikhathi sokuthola ngaphambi kokubhalisa.
• Thenga izinzuzo ezikufanelayo. Izinhlelo zeMedicare Advantage ngokuvamile zifaka okuningi okwengeziwe - izaphulelo nezinhlelo ezingakusiza uhlale uphilile futhi uchuma. Bheka okulingana nempilo yakho futhi okuzoba wusizo kuwe.

Izinsiza

Ukuze ufunde kabanzi mayelana nezinhlelo ze-Medicare eFlorida, hlola lezi zinsiza:

• SHINE (Serving Health Insurance Needs of Elders), uhlelo lwamahhala olunikezwa nguMnyango Wezindaba Zabadala eFlorida kanye ne-Area Agency yakho yangakini yokuguga
• Isimo seFlorida Medicare neMedicaid

Izinyathelo ezilandelayo

Ukulungele ukuthatha izinyathelo ezilandelayo ekubhaliseni uhlelo lwe-Medicare eFlorida? Ungahle uthande ukubheka lezi zenzo:

• Thintana nomenzeli womshuwalense weMedicare Florida ongakusiza uqonde izinketho zakho zeMedicare futhi akunikeze izingcaphuno ezinhlelweni ezahlukahlukene zokukusiza uqhathanise.
• Bheka imininingwane yohlelo online kubathwali bomshuwalense wendawo.
• Gcwalisa isicelo se-Medicare online nge-Social Security Administration. Ungagcwalisa ifomu ngemizuzu eyi-10 nje futhi awudingi ukuhambisa imibhalo khona lapho.

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.