Izinhlelo ze-Iowa Medicare ngo-2021

-Delile

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

Uma uhlala e-Iowa, ungahle ufaneleke ukuthola iMedicare. Lolu hlelo lukahulumeni lunikeza umshuwalense wezempilo kuma-Iowans aneminyaka yobudala engama-65 noma ngaphezulu, kanye nabanye abantu abasha abakhubazekile.

Uma umusha kwi-Medicare, akulula ngaso sonke isikhathi ukuthola izinketho zakho zokuhlanganisa. Lo mbhalo unikeza isingeniso se-Medicare Iowa, kufaka phakathi izinketho ze-Medicare Advantage nokuthi ungakhetha kanjani uhlelo olulungele wena.

Yini iMedicare?

Kunezinketho ezimbili zokuhlanganisa i-Medicare e-Iowa. Ungakhetha iMedicare yokuqala noma iMedicare Advantage.

Imithi Yangempela

I-Original Medicare ibizwa nangokuthi i-Medicare yendabuko. Inikezwa ngohulumeni wesifundazwe futhi ifaka:

• Ingxenye A (umshuwalense wesibhedlela). Ingxenye A ihlanganisa izinsizakalo ezahlukahlukene ezihlobene nezibhedlela, kufaka phakathi ukuhlala ezibhedlela kweziguli nokunakekelwa kwendawo yokunakekela abanamakhono okulinganiselwe.
• Ingxenye B (umshuwalense wezokwelapha). Ingxenye B ifaka ukumbozwa kwezinsizakalo eziningi ezidingekayo kwezokwelapha nezokuvikela, njengokuvakasha kukadokotela, izivivinyo zomzimba, kanye nokuhlaselwa ngumkhuhlane.

I-Original Medicare ayihlanganisi konke, kodwa izinkampani zomshuwalense zinikela ngezinhlelo ezingasiza ukugcwalisa izikhala. Uma udinga ukumbozwa kwezidakamizwa kadokotela, ungabhalisela uhlelo lweMedicare Part D. Uma udinga usizo lokukhokhela ama-Medicare copayments, ama-coinsurance, kanye nama-deductibles, ungabhalisela iMedigap yomshuwalense we-Medicare).

Inzuzo yeMedicare

E-Iowa, enye inketho yakho uhlelo lweMedicare Advantage. Lezi zinhlelo zenziwa izinkampani ezizimele futhi zilawulwa nguhulumeni. Zihlanganisa zonke izibhedlela ezifanayo nezinsizakalo zezokwelapha njenge-Medicare yasekuqaleni, kepha zivame ukufaka izinzuzo ezingeziwe, ezinjenge:

• Ukusetshenziswa kwezidakamizwa kadokotela
• ukuzwa, umbono, noma ukumbozwa kwamazinyo

Yiziphi izinhlelo ze-Medicare Advantage ezitholakala e-Iowa?

Kusukela ngo-2021, abathwali abalandelayo bathengisa amapulani we-Medicare Advantage e-Iowa:

• I-Aetna Medicare
• HealthPartners UnityPoint Ezempilo
• Humana
• IMedica
• Uhlelo lwe-Medical Associates Health, Inc.
• MediGold
• UnitedHealthcare

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

Ngubani ofanelekela i-Medicare e-Iowa?

Uma umncane kuneminyaka yobudala engama-65, ufanelekile ukuthola i-Medicare Iowa uma:

• utholwe unesifo sezinso sesigaba sokuphela (ESRD)
• utholwe une-amyotrophic lateral sclerosis (ALS)
• ubulokhu uthola i-Social Security Disability Insurance okungenani iminyaka emibili

Kuma-Iowans aneminyaka yobudala engama-65, ukuhlangabezana nenye yalezi zindlela ezilandelayo kukwenza ufaneleke ukuthola iMedicare:

• mhlawumbe uyisakhamuzi sase-U.S. noma umhlali unomphela osekulelizwe okungenani iminyaka engu-5
• njengamanje uthola izinzuzo zomhlalaphansi we-Social Security noma ufanelekele lezi zinzuzo

Kunemithetho eyengeziwe yokufaneleka yezinhlelo ze-Medicare Advantage e-Iowa.Ukuze ufaneleke, kufanele uhlale endaweni yesevisi yohlelo futhi ube nezingxenye ze-Medicare A no-B.

Ngingabhalisa nini ezinhlelweni ze-Medicare Iowa?

Uma ufanele iMedicare, ungabhalisa ngezikhathi ezithile phakathi nonyaka. Lezi zikhathi zifaka:

• Isikhathi sokuqala sokubhalisa. Uma uqala ukufaneleka lapho uneminyaka yobudala engama-65, ungabhalisa ngalesi sikhathi sezinyanga ezingu-7. Kuqala izinyanga ezintathu ngaphambi kwenyanga uhlanganisa iminyaka engama-65 bese uphela izinyanga ezi-3 ngemuva kwenyanga yosuku lwakho lokuzalwa lwama-65.
• Isikhathi sokubhalisa esivulekile seMedicare. Isikhathi sokubhaliswa esivulekile saminyaka yonke senzeka phakathi kuka-Okthoba 15 noDisemba 7. Ngalesi sikhathi, ungajoyina uhlelo lweMedicare Advantage noma ushintshele kuhlelo olusha.
• Isikhathi sokubhalisa esivulekile seMedicare Advantage. Uma usuvele usohlelweni lwe-Medicare Advantage, ungashintshela kolunye phakathi kukaJanuwari 1 noMashi 31 minyaka yonke.

Imicimbi ethile yempilo, njengokulahlekelwa ngumsebenzi okuhlinzeka ngokutholakala kwezempilo, izodala isikhathi esikhethekile sokubhalisa. Lokhu kukunika ithuba lokubhalisela i-Medicare ngaphandle kwezikhathi ezijwayelekile zokubhalisa.

Kwezinye izimo, ungabhalisela i-Medicare ngokuzenzakalela. Uma ufanelekile ngenxa yokukhubazeka, uzothola iMedicare ngemuva kokuthi uthole izinyanga ezingama-24 ze-Social Security Disability Insurance. Uzobhaliswa futhi ngokuzenzakalela lapho uhlanganisa iminyaka engu-65 uma usuvele uthola izinzuzo zomhlalaphansi we-Social Security.

Amathiphu wokubhalisa kwi-Medicare e-Iowa

Uma uthenga izinhlelo ze-Medicare Advantage, ukunciphisa izinketho zakho kungaba nzima kakhulu. Ukwenza inqubo ibe lula, gcina lezi zinto engqondweni njengoba uthenga ezungeze.

• Isabelomali sakho. Ngaphambi kokukhetha uhlelo, nquma ukuthi ungakhokhela malini ongakusebenzisa. Ungacabangi ngamaphrimiyamu enyanga kuphela, kepha nezinye izindleko zokumboza, ezinjenge-coinsurance, ama-copayments, kanye nemali ekhishwayo.
• Odokotela bakho. Uma ujoyina uhlelo lweMedicare Advantage, uvame ukuthola ukunakekelwa kodokotela kwinethiwekhi yohlelo. Uma ufuna ukuqhubeka nokubona odokotela bakho bamanje, qiniseka ukuthi bakunethiwekhi.
• Izidingo zakho zokuhlanganisa. Izinhlelo ze-Medicare Advantage zingabandakanya izinsizakalo i-Medicare yasekuqaleni engazenzi, futhi lezi zinzuzo ezengeziwe ziyahlukahluka ohlelweni lokuhlela. Uma udinga izinzuzo ezithile, ezinjengokunakekelwa kwamazinyo noma ukunakekelwa kombono, qiniseka ukuthi uhlelo lwakho luyazinikeza.
• Izidingo zakho zempilo. Uma unesimo sempilo esingapheli, njengomdlavuza noma isifo somzimba, ungahle ufune ukujoyina uhlelo oludingekayo lwezidingo ezikhethekile. Lezi zinhlelo zivumelanisa izinsizakalo zabo namanethiwekhi abahlinzeki ukuze zihambisane kangcono nezidingo zabantu abanezimo ezithile.

Izinsiza ze-Iowa Medicare

Kunezinsizakusebenza eziningi ezingakusiza uqonde iMedicare Iowa, kufaka phakathi:

• Uhlelo lwe-Senior Health Insurance Information Program (SHIIP) 800-351-4664
• Ukuphathwa Kwezokuphepha Komphakathi 800-772-1213

Yini okufanele ngiyenze ngokulandelayo?

Uma sekuyisikhathi sokubhalisa ku-Medicare, unga:

• Bhalisela izingxenye ze-Medicare A no-B. Ukuze uthole i-Medicare, xhumana ne-Social Security Administration Kukhona isicelo esiku-inthanethi, kepha uma uthanda, ungavakashela ihhovisi lakho lasekhaya lezeNhlalakahle noma ushayele ku-800-772-1213.
• Thenga izinhlelo zeMedicare ku-Medicare.gov. Ithuluzi le-inthanethi le-Medicare plan finder lenza kube lula ukuthenga izinhlelo ze-Medicare e-Iowa. Ngemuva kokufaka ikhodi yakho ye-ZIP, uzobona uhlu oluningiliziwe lwezinhlelo ongakhetha kuzo.
• Khuluma nomeluleki we-Medicare. Uma udinga usizo ngokuqhathanisa izinhlelo ze-Medicare endaweni yakho, xhumana ne-Iowa SHIIP. Isisebenzi sokuzithandela se-SHIIP singakusiza uqonde izinketho zakho ze-Medicare futhi wenze izinqumo ezengeziwe zokumboza.

Lo mbhalo uvuselelwe ngo-Okthoba 7, 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.