Izinhlelo ze-Georgia Medicare ngo-2021

-Delile

• Yini iMedicare?
• Izinhlelo zeMedicare Advantage
• Yiziphi izinhlelo zeMedicare Advantage ezitholakala eGeorgia?
• Ngabe uvumelekile ukuthola uhlelo lweMedicare Advantage eGeorgia?
• Ngingabhalisa nini ezinhlelweni zeMedicare eGeorgia?
• Amathiphu wokubhalisa kwi-Medicare eGeorgia
• Izinsiza ezingeziwe ze-Georgia Medicare
• Yini okufanele ngiyenze ngokulandelayo?

Ngo-2018, izakhamuzi zaseGeorgia ezingu-1,676,019 zabhaliswa eMedireare. Kunamakhulu ezinhlelo zeMedicare ongakhetha kuzo uma uhlala eGeorgia.

Noma ngabe ufuna ukushintsha izinhlelo ukuze uthole ukumbozwa okuningi noma ungazi ukuthi uyakufanelekela yini ukuthola uhlelo lweMedicare Advantage, kuningi okumele ukwazi ngeMedicare.

Yini iMedicare?

I-Medicare wuhlelo lomshuwalense oluxhaswe nguhulumeni kubantu abaneminyaka engaphezu kwengama-65. Abantu abadala abasebancane abakhubazekile bangafanelekela nezinhlelo zeMedicare eGeorgia. Abantu abadala abaningi babhaliswa ngokuzenzakalela kwi-Medicare yasekuqaleni (Ingxenye A noNgxenye B).

I-Medicare Part A ihlanganisa izinsizakalo zesibhedlela, njenge:

• ukunakekelwa esibhedlela
• ukunakekelwa kwezempilo okulinganiselwe ekhaya
• ukunakekelwa kwe-hospice

I-Medicare Part B ihlanganisa izinsizakalo zezokwelapha nokunakekelwa kokuvikela, njenge:

• aphoyintimenti kadokotela
• ukuhlolwa kwelebhu
• ama-x-ray
• ukuhlolwa kwesifo sikashukela
• ukunakekelwa esibhedlela

I-Medicare Part D wuhlelo lwemithi kadokotela oluzobhekana nezindleko zemithi. Ungakhetha ukubhalisa kuNgxenye D ukwengeza ukumbozwa okunikezwe izingxenye A no-B.

Izinhlelo zeMedicare eGeorgia zifaka nezinhlelo ezikhethekile zezidingo (SNPs). Lezi zinhlelo zinikeza ukumbozwa kwabantu abaphila nezimo zezempilo ezingamahlalakhona noma abanezinye izidingo ezikhethekile zezempilo.

Izinhlelo zeMedicare Advantage

Izinhlelo zeMedicare Advantage (Ingxenye C) zizinhlelo zonke zodwa ezinikeza ukumbozwa okuphelele kwezempilo. Atholakala kubahlinzeki bomshuwalense wezempilo abazimele.

Uhlelo lweMedicare Advantage luzohlanganisa izindleko zesibhedlela nezokwelapha, kanye nemithi. Ezinye izinhlelo zeMedicare Georgia zizofaka ukumbozwa okungeziwe kokubona noma kwezidingo zamazinyo, izinhlelo zokuqina, noma izinsiza-kuzwa.

Yiziphi izinhlelo zeMedicare Advantage ezitholakala eGeorgia?

Izinkampani ezilandelayo zomshuwalense zinikela ngezinhlelo zeMedicare eGeorgia:

• I-Aetna Medicare
• Konke
• I-Anthem Blue Cross neBlue Shield
• ICareSource
• I-Cigna
• Sula Impilo Yentwasahlobo
• Impilo kaClover
• Humana
• UKaiser Permanente
• Ukunakekelwa Kwezempilo KweLasso
• Uhlelo lweSonder Health Plan, Inc.
• UnitedHealthcare
• I-WellCare

Lezi zinkampani zinikeza izinhlelo izifunda eziningi eGeorgia. Kodwa-ke, iminikelo yohlelo lweMedicare Advantage iyahlukahluka ngesifunda, ngakho-ke faka ikhodi yakho ye-ZIP ethize lapho ufuna izinhlelo lapho uhlala khona.

Ngabe uvumelekile ukuthola uhlelo lweMedicare Advantage eGeorgia?

Abantu abadala abaningi babhaliswa ngokuzenzakalela kwi-Medicare yasekuqaleni lapho beba neminyaka engama-65, kodwa kuzofanele ufake isicelo sohlelo lwe-Medicare Advantage. Ukuze ufanelekele uhlelo lweMedicare Advantage eGeorgia udinga ukuhlangabezana nalezi zidingo:

• ube yisakhamuzi saseU.S. noma ohlala unomphela eGeorgia
• ubhalise kwi-Medicare Part A yokuqala kanye no-Part B
• ukhokhele ukuncishiswa kwamaholo akwaMedicare

Ungase futhi ufanelekele uhlelo lweMedicare Advantage eGeorgia uma unokukhubazeka noma ukugula okungalapheki okufana ne-amyotrophic lateral sclerosis (ALS) noma isifo sesifo sokugcina (ESRD). Abantu baseGeorgia abathola impesheni kusuka kuBhodi Yezitimela Zokuthatha Umhlalaphansi noma kwaSocial Security nabo bangafanelekela uhlelo lweMedicare Advantage.

Ngingabhalisa nini ezinhlelweni zeMedicare eGeorgia?

Njengoba usondela kumhlalaphansi, uzoba nesikhathi sokuqala sokubhalisa lapho ungabhalisa khona kwi-Medicare. Le nkathi yokuqala iqala ezinyangeni ezi-3 ngaphambi kosuku lwakho lokuzalwa lwama-65, futhi inweba izinyanga ezingeziwe ezi-3 ngemuva kosuku lwakho lokuzalwa.

Isikhathi sokubhaliswa minyaka yonke seMedicare sivela ngo-Okthoba 15 kuya kuDisemba 7. Ngalesi sikhathi, ungakhetha uhlelo olusha.

Kukhona nesikhathi sokubhalisa esivulekile seMedicare Advantage kusuka ngoJanuwari 1 kuze kube nguMashi 31. Ngalesi sikhathi sokubhalisa esivulekile, ungashintsha kusuka ku-Medicare yasekuqaleni uye kwi-Medicare Advantage, noma ushintshele kuhlelo oluhlukile lwe-Medicare Advantage.

Ungase futhi ukwazi ukufaka isicelo seMedicare Georgia ngesikhathi sokubhalisa esikhethekile. Ungakufanelekela ukubhaliswa okukhethekile uma umshwalense womqashi wakho ushintshile, noma uma unokukhubazeka.

Amathiphu wokubhalisa kwi-Medicare eGeorgia

Lapho ukhetha phakathi kwamapulani nabathwali, uzofuna kuqala ukucabanga ngalokho okudingayo.

Ngaphambi kokuthi ubhalise kuhlelo lweMedicare eGeorgia, yenza uhlu olubanzi lwemithi yakho yonke nokuthi ukhokha malini ngalezi zimiso. Uzophinde ufune ukucabanga ngokuthi uvakashela kangaki udokotela wakho.

Ngokuya ngezindleko zakho zokwelashwa ezaziwayo, uhlelo lwe-Medicare Advantage noma i-Part D (ukumbozwa ngudokotela) lungaba nengqondo kuwe.

Uma ujabule kakhulu ngodokotela wakho wamanje, shayela ihhovisi likadokotela wakho ukuthola ukuthi imuphi umhlinzeki womshuwalense owamukelwayo. Uma ucabanga uhlelo lweMedicare Advantage, iningi labathwali lizosebenza kuphela nodokotela abaphakathi kwenethiwekhi.

Funda izibuyekezo zabathwali endaweni yakho ukuthola izinhlelo ezinconywe kakhulu. Ungathola ukuthi uhlelo lusebenza kanjani ngokufinyelela kuhlelo lokulinganiswa kwezinkanyezi lwe-CMS. Lolu uhlelo lokulinganisa inkanyezi eyodwa kuya kweziyisihlanu lapho isilinganiso esiphezulu sisho ukuthi uhlelo lwenziwe kahle ngonyaka odlule. Izinhlelo ziyashintsha unyaka nonyaka, ngakho-ke hlola izilinganiso.

Izinsiza ezingeziwe ze-Georgia Medicare

Ungathola eminye imininingwane mayelana nezinhlelo zeMedicare eGeorgia ngokuxhumana nezinhlangano ezilandelayo. Bazokujabulela ukukunikeza imininingwane ethe xaxa mayelana neMedicare Georgia futhi bakusize uthole uhlelo olulungele wena.

• I-GeorgiaCares: Thola usizo kuHlelo lwaseGeorgia Medicare Savings olubizwa ngeGeorgiaCares. Njengengxenye yohlelo lwe-State Health Insurance Assistance Program (SHIP), iGeorgiaCares inikeza imininingwane mayelana neMedicare, izinsizakalo zokwelulekwa mahhala, nosizo lokubhalisa ohlelweni lweMedicare eGeorgia. Bangatholakala ngocingo ku-866-552-4464.
• Ukuhlukaniswa Kwemisebenzi Yokuguga: IDivision of Aging Services yaseGeorgia inganikeza usizo nokusekelwa kwabadala eGeorgia. Ungakhuluma nothile ngocingo ku-404-657-5258.
• Ikhadi Lezidakamizwa laseGeorgia. Lolu hlelo losizo lwenza ukuthi imithi ithengeke kakhulu kubahlali baseGeorgia. Xhumana no-404-657-3127 ukuthola eminye imininingwane.

Ungathola nokuthi ungabhalisa kanjani ohlelweni lwe-Medicare eGeorgia, futhi uhlole izinketho zakho zokuhlanganisa ngokubiza 800-633-4227.

Yini okufanele ngiyenze ngokulandelayo?

Ingabe usukulungele ukubhalisa kuhlelo lweMedicare Advantage eGeorgia, bese uthole uhlelo oluhle kakhulu lwakho lowe-2021?

• Vakashela i-Medicare.gov ukubona uhlu lwezinhlelo ze-Medicare Georgia endaweni yangakini, bese uvakashela iwebhusayithi yenkampani yenethiwekhi ukuthola eminye imininingwane ngamacebo athile.
• Nciphisa usesho lwakho ngokuhlola izilinganiso zezinkanyezi ze-CMS, usebenzisa i-zip code yakho, futhi unqume ibhajethi yakho njengoba uhlola izinhlelo ze-Advantage.
• Bhalisa ku-inthanethi, sebenzisa ifomu lephepha, noma ushayele othwala ngqo ukubhalisa ohlelweni lwe-Medicare.

Izinhlelo zeMedicare eGeorgia zingakusiza ukumboza izindleko zezinsizakalo zakho zezempilo. Noma ngabe usuzokwazi ukuthola i-Medicare okokuqala ngqa, noma ufuna ukwandisa ukumbozwa kwakho, zinike isikhathi sokuhlola izinketho zakho.

Ungathola ukumbozwa okwanele nge-Medicare Georgia yasekuqaleni, noma ukhethe ukufaka uHlelo D. Ngokuya ngesimo sakho, uhlelo lweMedicare Advantage lungakusiza ukongela imali njalo ngenyanga, lunikeze ngezinsizakalo ezingeziwe ezihambelana nezidingo zakho, noma zikunikeze ukuguquguquka okwengeziwe.

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.