Izinhlelo ze-Idaho Medicare ngo-2021

-Delile

• Yini iMedicare?
• Ingxenye A
• Ingxenye B
• Ingxenye C
• Ingxenye D
• I-Medigap
• I-akhawunti yokonga i-Medicare
• Yiziphi izinhlelo ze-Medicare Advantage ezitholakala e-Idaho?
• Ngubani ofanelekela i-Medicare e-Idaho?
• Ngingabhalisa nini kuzinhlelo zeMedicare Idaho?
• Amathiphu wokubhalisa kwi-Medicare e-Idaho
• Izinsiza ze-Idaho Medicare
• Yini okufanele ngiyenze ngokulandelayo?

Izinhlelo zeMedicare e-Idaho zinikeza umshuwalense wezempilo kubantu abaneminyaka engama-65 nangaphezulu, nakwabanye abantu abangaphansi kweminyaka engama-65 abahlangabezana neziqu ezithile. Kunezingxenye eziningi zeMedicare, kufaka phakathi:

• i-Medicare yasekuqaleni (Ingxenye A noNgxenye B)
• I-Medicare Advantage (Ingxenye C)
• Izinhlelo zemithi kadokotela (Ingxenye D)
• Umshuwalense owengeziwe we-Medicare (Medigap)
• I-akhawunti yokonga i-Medicare (MSA)

I-Medicare yangempela inikezwa ngohulumeni wesifundazwe. I-Medicare Advantage, izinhlelo zemithi kadokotela, kanye nomshuwalense weMedigap konke kunikezwa ngabathwali bomshuwalense abazimele.

Funda ukuze ufunde kabanzi mayelana nezinketho zakho ze-Medicare e-Idaho.

Yini iMedicare?

Wonke umuntu obhalisa kwi-Medicare, kufaka phakathi izinhlelo ze-Medicare Advantage, kufanele aqale abhalisele ukumbozwa kweNgxenye A no-Part B.

Ingxenye A

Ingxenye A ayinayo imali ekhokhwa ngenyanga kubantu abaningi. Uzokhokha imali ebanjwayo isikhathi ngasinye lapho ungeniswa esibhedlela. Ihlanganisa:

• ukunakekelwa esibhedlela
• ukunakekelwa okulinganiselwe ezikhungweni zabahlengikazi abanamakhono
• ukunakekelwa kwe-hospice
• ukunakekelwa kwempilo ekhaya

Ingxenye B

Ingxenye B ineprimiyamu yanyanga zonke futhi idonselwa unyaka nonyaka. Uma usuhlangane nokudonswa kwemali, ukhokha ama-coinsurance angama-20 wamaphesenti nganoma yikuphi ukunakekelwa okusele konyaka. Ihlanganisa:

• ukunakekelwa kwemitholampilo engaphandle
• aphoyintimenti kadokotela
• ukunakekelwa kokuvikela, njengokuhlolwa kanye nokuvakashelwa kwempilo njalo ngonyaka
• ukuhlolwa kwelebhu nemifanekiso, njenge-X-ray

Ingxenye C

Izinhlelo zeMedicare Advantage (Ingxenye C) zitholakala ngabathwali bomshuwalense abazimele abahlanganisa izingxenye A no-B, futhi kaningi izinzuzo zeNgxenye D nezinhlobo ezingeziwe zokumbozwa.

Ingxenye D

Ingxenye D ihlanganisa izindleko zemithi kadokotela futhi kufanele ithengwe ngohlelo lwangasese lomshuwalense. Izinhlelo eziningi zeMedicare Advantage zifaka ukumbozwa kweNgxenye D.

I-Medigap

Izinhlelo zeMedigap zitholakala ngabathwali bomshuwalense abazimele ukusiza ukumboza ezinye izindleko zokunakekelwa kwakho, ngoba iMedicare yasekuqaleni ayinamkhawulo ophuma ephaketheni. Lezi zinhlelo zitholakala kuphela nge-Medicare yasekuqaleni.

I-akhawunti yokonga i-Medicare

Ama-akhawunti wokulondolozwa kwe-Medicare (ama-MSAs) afana nama-akhawunti wokulondolozwa kwempilo ngamadiphozithi akhokhelwa intela angasetshenziselwa izindleko zezokwelapha ezifanelekile, kufaka phakathi amaphrimiyamu wohlelo lweMedicare nokunakekelwa kwesikhathi eside. Lokhu kwehlukile kuma-akhawunti okonga imali kahulumeni, futhi unemithetho ethile yentela okufanele uyibuyekeze futhi uyiqonde ngaphambi kokuba ubhalise.

Yiziphi izinhlelo ze-Medicare Advantage ezitholakala e-Idaho?

Abathwali bomshuwalense abanikela ngenkontileka yezinhlelo zeMedicare Advantage namaCentre for Medicare & Medicaid Services (CMS) futhi banikeze ukumbozwa okufanayo neMedicare yasekuqaleni. Eziningi zalezi zinhlelo zinokufakwa kwezinto ezifana:

• amazinyo
• umbono
• ukuzwa
• ukuthuthwa lapho kubekwa khona abezempilo
• ukulethwa kokudla ekhaya

Enye inzuzo yezinhlelo zeMedicare Advantage ngumkhawulo wonyaka wokukhishwa kwemali ephaketheni wama- $ 6,700 - ezinye izinhlelo zinemikhawulo ephansi kakhulu. Ngemuva kokufinyelela umkhawulo, uhlelo lwakho lukhokha amaphesenti ayi-100 wezindleko ezihlanganisiwe unyaka wonke.

Izinhlelo zeMedicare Advantage e-Idaho zifaka:

• Inhlangano Yokulondolozwa Kwezempilo (HMO). Udokotela oyinhloko oyinakekelayo (PCP) omkhetha kunethiwekhi yabahlinzeki uzoxhumanisa ukunakekelwa kwakho. Udinga ukuthunyelwa kusuka ku-PCP yakho ukuze ubone uchwepheshe. Ama-HMO anemithetho efana nabahlinzeki nezinsiza okufanele uzisebenzise ngaphakathi kwenethiwekhi yabo, nezidingo zokuvunywa kwangaphambili, ngakho-ke funda bese ulandela imithetho ngokucophelela ukuze uqiniseke ukuthi awushaywa izindleko ezingalindelekile.
• I-HMO Point of Service (HMO-POS). Inketho ye-HMO enephuzu lenkonzo (POS) ikuvumela ukuthi unakekele ngaphandle kwenethiwekhi ngezinto ezithile. Kunezimali ezingeziwe zokunakekelwa kwe-POS ngaphandle kwenethiwekhi. Izinhlelo zitholakala kuphela kwezinye izifunda ze-Idaho.
• Inhlangano Yomhlinzeki Ekhethwayo (i-PPO). Nge-PPO, ungathola ukunakekelwa kunoma imuphi umhlinzeki noma indawo kunethiwekhi ye-PPO.Awudingi ukudluliselwa okuvela ku-PCP ukubona ochwepheshe, kodwa kusengumqondo omuhle ukuba nodokotela wokunakekelwa okuyisisekelo. Ukunakekela ngaphandle kwenethiwekhi kungabiza kakhulu noma kungahlanganiswa.
• Imali Yezinkonzo Ezizimele (PFFS). I-PFFS ihlela ukuxoxisana ngqo nabahlinzeki nezinsiza ukuthola ukuthi yini oyikweleta ukunakekelwa. Abanye banamanethiwekhi abahlinzeki, kepha iningi likuvumela ukuthi uye kunoma yimuphi udokotela noma isibhedlela esizokwamukela uhlelo. Izinhlelo ze-PFFS azemukelwa yonke indawo.
• Izinhlelo Ezikhethekile Zezidingo (SNPs). Ama-SNP e-Idaho anikezwa ezifundeni ezithile futhi atholakala kuphela uma ufanelekile ukuthola iMedicare neMedicaid (abafanelekile ababili).

Ungakhetha amasu we-Medicare Advantage e-Idaho kusuka:

• I-Aetna Medicare
• I-Blue Cross yase-Idaho
• Humana
• MediGold
• IMolina Healthcare yase-Utah & Idaho
• I-PacificSource Medicare
• IRegence BlueShield yase-Idaho
• KhethaHealth
• UnitedHealthcare

Izinhlelo ezitholakalayo zizohluka ngokuya ngendawo ohlala kuyo.

Ngubani ofanelekela i-Medicare e-Idaho?

I-Medicare e-Idaho itholakala kuzakhamizi zase-U.S. (Noma izakhamizi zomthetho iminyaka emihlanu noma ngaphezulu) ezineminyaka engama-65 nangaphezulu. Uma ungaphansi kweminyaka engama-65 ubudala, usengakwazi ukuthola iMedicare uma:

• bathole izinkokhelo zokukhubazeka zeSocial Security noma iRail Retirement Board izinyanga ezingama-24
• babe nesifo sesifo sokuphela kwesigaba (ESRD)
• une-amyotrophic lateral sclerosis (ALS)

Ngingabhalisa nini kuzinhlelo zeMedicare Idaho?

Kunezikhathi ezithile zonyaka lapho ungabhalisa khona noma uguqule izinhlelo zeMedicare neMedicare Advantage.

• Isikhathi sokuqala sokubhalisa (IEP). Ezinyangeni ezintathu ngaphambi kokuba ube neminyaka engama-65, ungabhalisa kwi-Medicare ukuze uthole ukumbozwa okuqala ngenyanga yakho yokuzalwa. Uma uphuthelwa yileli windi, usengabhalisa phakathi nenyanga yakho yokuzalwa noma ezinyangeni ezi-3 ngemuva kwalokho, kepha kukhona ukubambezeleka ngaphambi kokuqala kokumbozwa.
• Ukubhaliswa okujwayelekile (Januwari 1 – Mashi 31). Ungabhalisela izingxenye A, B, noma D ngesikhathi sokubhaliswa okujwayelekile uma uphuthelwe i-IEP futhi ungafaneleki isikhathi sokubhalisa esikhethekile. Uma ungenakho okunye ukumbozwa futhi ungazange ubhalise ngesikhathi se-IEP yakho, ungakhokha inhlawulo yokubhalisa sekwephuzile yeNxenye B neNgxenye D.
• Ukubhaliswa okuvulekile (Okthoba 15 – Disemba 7). Uma usuvele ubhalisele i-Medicare, ungashintsha izinketho zohlelo ngesikhathi sokubhaliswa sonyaka.
• Ukubhaliswa okuvulekile kweMedicare Advantage (Januwari 1-Mashi 31). Ngesikhathi sokubhaliswa okuvulekile, ungashintsha izinhlelo ze-Medicare Advantage noma ushintshele ku-Medicare yasekuqaleni.
• Isikhathi sokubhalisa esikhethekile (SEP). Ungabhalisela i-Medicare ngesikhathi se-SEP uma ulahlekelwe ukumbozwa ngenxa yesizathu esifanelekile, njengokuhamba endaweni yenethiwekhi yohlelo lwakho noma ukulahlekelwa uhlelo oluxhaswe umqashi ngemuva kokuthatha umhlalaphansi. Awudingi ukulinda ukubhaliswa konyaka.

Amathiphu wokubhalisa kwi-Medicare e-Idaho

Njengoba kunezinto eziningi ongakhetha kuzo, kubalulekile ukuthi ubheke ngokucophelela izidingo zakho zempilo ukuze unqume ukuthi ngabe i-Medicare yokuqala noma i-Medicare Advantage iyona ndlela engcono yini nokuthi ungadinga yini ukwesekwa okungeziwe.

Khetha uhlelo:

• inodokotela obathandayo nezindawo ezilungele indawo yakho
• ihlanganisa izinsizakalo ozidingayo
• inikeza ukumbozwa okungabizi
• inesilinganiso sezinkanyezi eziphezulu sekhwalithi nokwaneliseka kweziguli kusuka ku-CMS

Izinsiza ze-Idaho Medicare

Thola izimpendulo zemibuzo bese uthola usizo ngezinhlelo ze-Medicare Idaho ezivela kulezi zinsiza ezilandelayo:

• Abeluleki Bezinzuzo Zomshuwalense Wezempilo Abadala (SHIBA) (800-247-4422). I-SHIBA inikeza usizo lwamahhala kubantu abadala base-Idaho ngemibuzo mayelana neMedicare.
• Umnyango Womshwalense wase-Idaho (800-247-4422). Lo mthombo unikeza imininingwane ngoHlelo Olungeziwe Lwezinhlelo Zokulondolozwa Kwezimali ngosizo lokukhokhela iMedicare uma ungeke ukwazi ukuyikhokhela.
• Phila Ngcono Idaho (877-456-1233). Lokhu kubambisana komphakathi nezizimele ngolwazi kanye nezinsizakusebenza mayelana neMedicare nezinye izinsizakalo zabahlali base-Idaho.
• Uhlelo lwe-Idaho AIDS Drug Assistance Program (IDAGAP) (800-926-2588). Le nhlangano inikeza usizo lwezezimali ekutholakaleni kwe-Medicare Part D uma une-HIV.

• Yini okufanele ngiyenze ngokulandelayo?

  Lapho usukulungele ukubhalisa ku-Medicare:

  • Nquma ukuthi ngabe ufuna ukumbozwa okungeziwe nezinzuzo zohlelo lweMedicare Advantage (Ingxenye C).
  • Buyekeza izinhlelo ezitholakalayo esifundeni sakho nokuthi zinikeza ziphi izindaba.
  • Maka ikhalenda lakho nge-IEP yakho noma uvule ukubhaliswa ukwazi ukuthi ungabhalisela nini.

  Lo mbhalo uvuselelwe ngo-Okthoba 5, 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.