Izinhlelo ze-Illinois Medicare ngo-2021

-Delile

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

I-Medicare uhlelo lomshuwalense wezempilo olusiza abantu abaneminyaka engama-65 nangaphezulu ukukhokhela ukunakekelwa kwezempilo okudingekayo. Ungahle ufaneleke uma ungaphansi kweminyaka yobudala engama-65 futhi uhlala nokukhubazeka okuthile. E-Illinois, cishe abantu abayizigidi eziyi-2.2 babhalise kwi-Medicare.

Lo mbhalo uzochaza izinketho zeMedicare e-Illinois ngo-2021, kufaka phakathi izinhlelo zeMedicare Advantage nokuthi yini okufanele uyicabangele njengoba uthenga ukwaziswa.

Yini iMedicare?

Uma ubhalisela i-Medicare e-Illinois, ungakhetha iMedicare yangempela noma uhlelo lweMedicare Advantage.

I-Original Medicare, kwesinye isikhathi ibizwa ngokuthi yi-Medicare yendabuko, iphethwe nguhulumeni. Kubandakanya iNgxenye A (umshuwalense wesibhedlela) neNgxenye B (umshuwalense wezokwelapha).

Ingxenye A ihlanganisa ukuhlala esibhedlela nokunye ukunakekelwa kweziguli, kuyilapho Ingxenye B ihlanganisa izinsizakalo eziningi ezidingekayo zezokwelapha, kufaka phakathi ukuvakashelwa kodokotela nezinsizakalo zokuvimbela.

Uma ubhalisa kwi-Medicare yasekuqaleni, ungakhetha ukubhalisela ezinye izinhlobo zokumboza. Izinqubomgomo ze-Medigap zihlanganisa ezinye izindleko zokunakekelwa kwezempilo i-Medicare yangempela engazenzi, njengama-copayments akho kanye nemali ekhishwayo. Uma ufuna ukumbozwa kwezidakamizwa, ungabhalisela uhlelo lokuzimela oluzimele, olwaziwa njengeNgxenye D.

Izinhlelo zeMedicare Advantage (Ingxenye C) zikunikeza enye indlela yokuthola ukumbozwa kwakho kweMedicare. Lezi zinhlelo zihlinzekwa yizinkampani zomshuwalense ezizimele, futhi zifaka zonke izinsizakalo ze-Medicare izingxenye A no-B.

Izinhlelo zeMedicare Advantage e-Illinois zinganikela ngezinye izinzuzo eziningi ezingafakiwe kwi-Medicare yasekuqaleni, njenge:

• ukuzwa, umbono nokunakekelwa kwamazinyo
• Ukusetshenziswa kwezidakamizwa kadokotela
• izinhlelo zokuphila kahle
• Ukusabalala kwezidakamizwa ezithengiswayo

Yiziphi izinhlelo ze-Medicare Advantage ezitholakala e-Illinois?

Izinhlelo eziningi zeMedicare Advantage ziyatholakala kubahlali base-Illinois. Abathwali bomshuwalense abalandelayo banikela ngezinhlelo zeMedicare Advantage e-Illinois:

• I-Aetna Medicare
• I-Ascension iqedile
• IBlue Cross neBlue Shield yase-Illinois
• Impilo Ekhanyayo
• I-Cigna
• Sula Impilo Yentwasahlobo
• Humana
• Ukunakekelwa Kwezempilo KweLasso
• Okuningi Ukunakekelwa
• UnitedHealthcare
• I-WellCare
• Zing Impilo

Ukunikezwa kohlelo lweMedicare Advantage kuyahluka ngesifunda, ngakho-ke faka ikhodi yakho ye-ZIP ethize lapho usesha izinhlelo lapho uhlala khona.

Ngubani ofanelekela i-Medicare e-Illinois?

Imithetho yokufaneleka ye-Medicare iyahluka ngokuya ngeminyaka yakho. Uma umncane kuneminyaka yobudala engama-65, ungahle ufaneleke kunoma yisiphi kulezi zimo:

• utholwe unesifo se-renal end (ESRD) noma i-amyotrophic lateral sclerosis (ALS)
• ubuseneminyaka emibili ku-Social Security Disability Insurance (SSDI).

Uma uneminyaka engama-65 ubudala, ufanelekile ukuthola i-Medicare e-Illinois kunoma yisiphi salezi zimo:

• uhlala e-United States futhi uyisakhamuzi sase-U.S. noma uhlala unomphela
• usuvele uthola izinzuzo zomhlalaphansi weSocial Security noma uzifanelekela

Ngingabhalisa nini ezinhlelweni ze-Medicare Illinois?

Uma ufanele iMedicare, ungabhalisa ngezikhathi ezithile unyaka wonke. Lezi zikhathi zifaka:

• Isikhathi sokuqala sokubhalisa. Lesi sikhathi sezinyanga eziyi-7 siyatholakala kubantu abafanelekela ukuthola iMedicare lapho beba neminyaka engama-65. Iqala ezinyangeni ezintathu ngaphambi kwenyanga uhlanganisa iminyaka engama-65 ubudala bese uphela izinyanga ezintathu ngemuva kwenyanga yakho yokuzalwa.
• Isikhathi sokubhaliswa esivulekile sonyaka. Isikhathi sokubhaliswa esivulekile saminyaka yonke siqala ngo-Okthoba 15 kuya kuDisemba 7. Uma ubhalisela uhlelo lwe-Medicare Advantage ngalesi sikhathi, ukumbozwa kwakho okusha kuzoqala ngoJanuwari 1.
• Isikhathi sokubhalisa esivulekile seMedicare Advantage. Kusukela ngoJanuwari 1 kuya ku-Mashi 31 njalo ngonyaka, ungashintshela kuhlelo oluhlukile lwe-Medicare Advantage. Uma wenza izinguquko, ukumbozwa kwakho okusha kuqala ngosuku lokuqala lwenyanga ngemuva kokuthi umshwalense athole isicelo sakho.
• Isikhathi sokubhalisa esikhethekile. Uma uhlangabezana nemicimbi ethile yempilo, uvunyelwe ukubhalisela i-Medicare ngaphandle kwezikhathi zokubhaliswa zonyaka. Ungaba nesikhathi esikhethekile sokubhalisa uma ulahlekelwa ngumsebenzi wakho wezempilo, ngokwesibonelo.

Kwezinye izimo, ungabhalisela i-Medicare ngokuzenzakalela. Uma ufaneleka ukuthola iMedicare ngenxa yokukhubazeka, uzobhaliswa ngemuva kokuthola amasheke e-SSDI izinyanga ezingama-24. Uma uthola izinzuzo zomhlalaphansi wesitimela noma izinzuzo zomhlalaphansi Zokuphepha Komphakathi, uzobhaliswa lapho uhlanganisa iminyaka engama-65 ubudala.

Amathiphu wokubhalisa kwi-Medicare e-Illinois

Kunezinto eziningi okufanele uzicabangele njengoba uhlola izinhlelo eziningi ze-Medicare e-Illinois. Ukuthola uhlelo oluvumelana kangcono nezidingo zakho, cabanga ngalezi zinto:

• Izinsizakalo ezihlanganisiwe. Izinhlelo ze-Medicare Advantage zingabandakanya izinsizakalo i-Medicare yangempela engazenzi, njengamazinyo, ukubona, noma ukunakekelwa kokuzwa. Abanye baze banikeze izinzuzo, njengobulungu bejimu. Bheka amapulani ahlanganisa amasevisi owafunayo noma owadingayo.
• Izindleko. Izindleko zezinhlelo zeMedicare Advantage ziyahlukahluka. Kwezinye izinhlelo, ungakhokhiswa i-premium yohlelo lwenyanga ngokungeziwe kwi-premium ye-Medicare Part B. Ama-copayments, i-coinsurance, nama-deductibles nawo azothinta izindleko zakho zokuphuma ephaketheni.
• Inethiwekhi yomhlinzeki. Uma ujoyina uhlelo lwe-Medicare Advantage, kungadingeka ukuthi uthole ukunakekelwa kodokotela nezibhedlela kwinethiwekhi yohlelo lwakho. Ungahle uthande ukubuza abahlinzeki bakho bezokunakekelwa kwezempilo ukuthi babamba iqhaza ezinhlelweni ozicabangayo.
• Indawo yesevisi. I-Original Medicare inikeza ukumbozwa ezweni lonke, kuyilapho izinhlelo zeMedicare Advantage zisebenzela izindawo ezinomkhawulo. Uma uhlela ukuhamba, ungakhetha uhlelo lwe-Medicare olunikeza izinzuzo zokuhamba noma zezivakashi.
• Izilinganiso. Njalo ngonyaka, ama-Centers for Medicare & Medicaid Services (CMS) amanani ahlela kusuka enkanyezini eyodwa kuya kwezihlanu. Lezi zilinganiso zezinkanyezi zisuselwa kumakhasimende, ikhwalithi yokunakekelwa, nezinye izinto. Ukuhlola isilinganiso sohlelo, iya ku-CMS.gov bese ulanda i-Star Ratings Fact Sheet.

Izinsiza ze-Illinois Medicare

I-Medicare wuhlelo oluyinkimbinkimbi, kepha kukhona izinsiza ezingakusiza uqonde izinketho zakho.

Ukuthola eminye imininingwane nge-Medicare e-Illinois, ungaxhumana noHlelo Olukhulu Lomshuwalense Wezempilo, olunikeza ukwelulekwa kwamahhala, ngakunye mayelana neMedicare nezinye izinketho zomshuwalense wezempilo.

Yini okufanele ngiyenze ngokulandelayo?

Uma usukulungele ukuthenga uhlelo lweMedicare, nakhu ongakwenza ngokulandelayo:

• Ukuze ubhalisele izingxenye ze-Medicare A no-B, xhumana ne-Social Security Administration. Ungashayela ku-800-772-1213, uvakashele ihhovisi lakho le-Social Security, noma usebenzise uhlelo lwe-Social Security online Medicare.
• Uma unentshisekelo ezinhlelweni zeMedicare Advantage e-Illinois, ungaqhathanisa izinhlelo ku-Medicare.gov. Uma ubona uhlelo oluthandayo, ungabhalisa ku-inthanethi.

Lo mbhalo uvuselelwe ngo-Okthoba 2, 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.