Izinhlelo zeMaine Medicare ngo-2021

-Delile

• Yini iMedicare?
• Ingxenye yeMedicare A
• Ingxenye yeMedare B
• Ingxenye yeMedicare C
• Ingxenye yeMedare D
• Yiziphi izinhlelo ze-Medicare Advantage ezitholakala eMaine?
• Ngubani ofanelekela i-Medicare eMaine?
• Ngingabhalisa nini ezinhlelweni zeMedicare Maine?
• Isikhathi sokuqala sokubhalisa
• Ukubhaliswa okujwayelekile: Januwari 1 kuya kuMashi 31
• Isikhathi sokubhalisa esivulekile: Okthoba 15 kuya kuDisemba 7
• Isikhathi sokubhalisa esikhethekile
• Amathiphu wokubhalisa kwi-Medicare eMaine
• Izinsiza zeMaine Medicare
• Yini okufanele ngiyenze ngokulandelayo?

Ngokuvamile ufanelekela ukunakekelwa kwezempilo kwe-Medicare lapho uba neminyaka engama-65 ubudala. I-Medicare uhlelo lomshuwalense wezempilo oluhlinzeka ngezinhlelo ezweni lonke. I-Medicare Maine inezinketho ezimbalwa zokumboza ongakhetha kuzo, ngakho-ke ungakhetha umdlalo ofanele kakhulu wezidingo zakho.

Zinike isikhathi sokunquma ukufaneleka kwakho, cwaninga ngezinhlelo ezahlukahlukene, futhi uthole okuningi mayelana nokubhalisa ezinhlelweni zeMedicare eMaine.

Yini iMedicare?

Ekuboneni kokuqala, i-Medicare ingabonakala iyinkimbinkimbi. Inezingxenye eziningi, izinketho ezahlukahlukene zokumboza, kanye nohla lwamaphrimiyamu. Ukuqonda iMedicare Maine kuzokusiza wenze isinqumo esihle kakhulu kuwe.

Ingxenye yeMedicare A

Ingxenye A yingxenye yokuqala ye-Medicare yasekuqaleni. Inikeza ukumbozwa okuyisisekelo kwe-Medicare, futhi uma ufanelekela ukuthola izinzuzo Zokuphepha Komphakathi, uzothola Ingxenye A mahhala.

Incenye A ifaka ekhatsi:

• ukunakekelwa esibhedlela
• ukumbozwa okulinganiselwe kokunakekelwa kwendawo yabahlengikazi abanamakhono (SNF)
• ukumbozwa okulinganiselwe kwezinye izinsizakalo zezempilo zasekhaya zesikhashana
• ukunakekelwa kwe-hospice

Ingxenye yeMedare B

Ingxenye B yingxenye yesibili yeMedicare yasekuqaleni. Ungahle udinge ukuthi ukhokhele amaprimiyamu engxenye B. Ibandakanya:

• ukuqokwa kodokotela
• ukunakekelwa kokuvimbela
• imishini enjengezihamba nezihlalo ezinamasondo
• ukunakekelwa kwezokwelapha okungaphandle
• ukuhlolwa kwelebhu kanye ne-X-ray
• izinsizakalo zezempilo yengqondo

Ingxenye yeMedicare C

Izinhlelo ze-Part C (Medicare Advantage) eMaine zinikezwa ngabathwali bomshuwalense wezempilo abazimele abavunyelwe yi-Medicare. Banikeza:

• ukumbozwa okuyisisekelo okufanayo ne-Medicare yasekuqaleni (izingxenye A no-B)
• Ukusetshenziswa kwezidakamizwa kadokotela
• izinsizakalo ezingeziwe, ezinjengombono, amazinyo, noma izidingo zokuzwa

Ingxenye yeMedare D

Ingxenye D ukusabalala kwezidakamizwa okunikezwa ngabathwali bomshuwalense abazimele. Inikeza ukumbozwa kwemithi yakho kadokotela.

Uhlelo ngalunye luhlanganisa uhlu olwehlukile lwemithi, olwaziwa njenge-formulary. Ngakho-ke, ngaphambi kokubhalisela uhlelo lweNgxenye D, kuzodingeka uqiniseke ukuthi imithi yakho izombozwa.

Yiziphi izinhlelo ze-Medicare Advantage ezitholakala eMaine?

Uma ubhalisa kwi-Medicare yasekuqaleni, uzothola umshuwalense wezempilo oxhaswe uhulumeni ngohlu olubekiwe lwezinsizakalo zesibhedlela nezokwelapha.

Amasu we-Medicare Advantage eMaine, ngakolunye uhlangothi, anikela ngezinketho ezihlukile zokuhlanganisa namazinga amaningi we-premium, konke enzelwe ukufanisa izidingo zabantu abadala. Abathwali bezinhlelo zeMedicare Advantage eMaine yilezi:

• Aetna
• AMH Impilo
• IHarvard Pilgrim Health Care Inc
• Humana
• Inzuzo kaMartin’s Point Generations
• UnitedHealthcare
• I-WellCare

Ngokungafani neMedicare yasekuqaleni, okuwuhlelo lukazwelonke, laba bahlinzeki bomshuwalense abazimele bayahlukahluka kuye ngesifundazwe - ngisho naphakathi kwezifunda. Lapho usesha izinhlelo zeMedicare Advantage eMaine, qiniseka ukuthi uqhathanisa kuphela amapulani ahlinzeka ukufakwa esifundeni sakho.

Ngubani ofanelekela i-Medicare eMaine?

Njengoba ucabanga ngezinketho zakho, kuyasiza ukwazi izidingo zokufaneleka kwezinhlelo zeMedicare eMaine. Uzofanelekela i-Medicare Maine uma:

• baneminyaka engama-65 noma ngaphezulu
• bangaphansi kweminyaka engama-65 ubudala futhi banesimo esingelapheki, njengesifo sesifo sokuphela kwesigaba (ESRD) noma i-amyotrophic lateral sclerosis (ALS)
• bangaphansi kweminyaka engama-65 futhi bathole imihlomulo yokukhubazeka Kwezenhlalakahle izinyanga ezingama-24
• uyisakhamuzi saseU.S. noma uhlala unomphela

Uzokwazi ukuthola i-Part A engakhokhelwa nge-premium nge-Medicare Maine uma:

• ukhokhe intela yeMedicare iminyaka eyishumi yokusebenza kwakho
• thola izinzuzo zomhlalaphansi kusuka ku-Social Security noma ku-Railroad Retirement Board
• kwakuyisisebenzi sikahulumeni

Ngingabhalisa nini ezinhlelweni zeMedicare Maine?

Isikhathi sokuqala sokubhalisa

Isikhathi esihle sokubhalisa ezinhlelweni zeMedicare eMaine ngesikhathi sakho sokuqala sokubhalisa. Lokhu kukuvumela ukuthi uthole ukumbozwa okudingayo kusukela lapho uba neminyaka engama-65 ubudala.

Isikhathi sakho sokubhalisa sokuqala iwindi lezinyanga ezingu-7 eliqala izinyanga ezi-3 ezigcwele ngaphambi kosuku lwakho lokuzalwa lwama-65, kufaka phakathi inyanga yakho yokuzalwa, futhi iqhubeke izinyanga ezintathu ezingeziwe ngemuva kosuku lwakho lokuzalwa.

Uma ufanelekela izinzuzo Zokuvikeleka Komphakathi, uzobhaliswa ngokuzenzakalela ku-Medicare Maine yasekuqaleni.

Ngalesi sikhathi, ungabhalisela uhlelo lweNgxenye D noma uhlelo lweMedigap.

Ukubhaliswa okujwayelekile: Januwari 1 kuya kuMashi 31

Ukutholakala kwe-Medicare kufanele kuhlolwe kabusha minyaka yonke njengoba ukunakekelwa kwezempilo kudinga ukushintsha noma njengoba izinhlelo zishintsha izinqubomgomo zabo zokutholakala.

Isikhathi sokubhaliswa okujwayelekile sisukela ngoJanuwari 1 kuya kuMashi 31. Ikuvumela ukuthi ubhalisele iMedicare yangempela uma ungakakwenzi lokho. Ungasebenzisa futhi lesi sikhathi ukubhalisa ezinhlelweni ze-Medicare Advantage noma ukumbozwa kweNgxenye D.

Isikhathi sokubhalisa esivulekile: Okthoba 15 kuya kuDisemba 7

Isikhathi sokubhalisa esivulekile siqala ngo-Okthoba 15 kuya kuDisemba 7. Kungezinye izikhathi lapho ungashintsha ukushintshwa.

Ngalesi sikhathi, uzokwazi ukushintsha phakathi kwezinhlelo ze-Medicare Advantage eMaine, ubuyele ekutholakaleni kwasekuqaleni kwe-Medicare, noma ubhalisele ukutholakala kwezidakamizwa kadokotela.

Isikhathi sokubhalisa esikhethekile

Ezinye izimo zikuvumela ukuthi ubhalise kwi-Medicare Maine noma wenze izinguquko kuhlelo lwakho ngaphandle kwalezi zikhathi ezijwayelekile zokubhalisa. Ungasifanelekela isikhathi sokubhalisa esikhethekile uma:

• ulahlekelwe ngumshuwalense wezempilo womqashi wakho
• phuma endaweni yokubika yohlelo lwakho
• uthuthele ekhaya lasebekhulile

Amathiphu wokubhalisa kwi-Medicare eMaine

Njengoba ulinganisa izinketho zakho bese uqhathanisa amapulani we-Medicare eMaine, landela lawa macebiso:

• Thola ukuthi ukufanelekele ukubhaliswa nini futhi, uma kungenzeka, bhalisa ngesikhathi sakho sokuqala sokubhalisa.
• Khuluma nehhovisi likadokotela wakho bese uthola ukuthi amanethiwekhi akuphi. I-Original Medicare ihlanganisa odokotela abaningi; noma kunjalo, sebenzisa ngasese izinhlelo zeMedicare Advantage eMaine zisebenza nodokotela abathile benethiwekhi esifundeni ngasinye. Qiniseka ukuthi udokotela wakho uku-network evunyelwe yanoma yiluphi uhlelo olucabangayo.
• Uma ucabangela uhlelo lwezidakamizwa noma uhlelo lwe-Advantage, yenza uhlu olugcwele lwayo yonke imithi yakho. Ngemuva kwalokho, qhathanisa lolu hlu nokutholakala kokunikezwa uhlelo ngalunye ngendlela yalo yokuqinisekisa ukuthi imithi yakho ifakiwe.
• Bheka ukuthi uhlelo ngalunye lusebenze kanjani ngokuphelele, bese uhlola izilinganiso zekhwalithi noma uhlelo lokulinganisa izinkanyezi. Lesi sikali sikhombisa ukuthi uhlelo lubekwe kahle kangakanani kwikhwalithi yokunakekelwa kwezokwelashwa, ukuphathwa kwezinhlelo, kanye nesipiliyoni selungu. Icebo elinesilinganiso sezinkanyezi ezi-5 lenze kahle kakhulu. Ungahle uneliseke ngecebo elinjalo uma lihlangabezana nazo zonke ezinye izidingo zakho.

Izinsiza zeMaine Medicare

Izinhlangano ezilandelayo zombuso zinganikeza imininingwane ethe xaxa mayelana nezinhlelo zoqobo zeMedicare neMedicare Advantage eMaine:

• Izimo ze-State of Maine Aging & Disability Services. Shayela u-888-568-1112 noma uthole ulwazi oluthe xaxa ku-inthanethi mayelana nokwesekwa komphakathi nokwasekhaya, ukunakekelwa kwesikhathi eside, kanye nokwelulekwa ngoHlelo Lwe-State Health Assistance Program (SHIP), kanye nezeluleko ngeMedicare
• Ihhovisi Lomshwalense. Shayela ku-800-300-5000 noma uhlole iwebhusayithi ukuthola eminye imininingwane mayelana nezinzuzo namanani ama-Medicare.
• Imisebenzi Yezomthetho Yasebekhulile. Ukuze uthole izeluleko zomthetho zamahhala mayelana nomshuwalense wokunakekelwa kwezempilo, izinhlelo zeMedicare, Ezokuphepha Komphakathi, noma izinzuzo zempesheni, shayela ku-800-750-535 noma ubheke ku-inthanethi.

Yini okufanele ngiyenze ngokulandelayo?

Njengoba usondela osukwini lwakho lokuzalwa lwama-65, qala ukuthola okuningi mayelana nezinhlelo zeMedicare eMaine bese uqhathanisa izinketho zakho zokuhlanganisa. Ungahle uthande ukwenza okulandelayo:

• Cabanga ngezinsizakalo zokunakekelwa kwezempilo ongathanda ukufinyelela kuzo, bese uthola uhlelo olungahambisani nesabelomali sakho kuphela, kodwa nokunakekelwa kwezempilo kwakho kudinga futhi.
• Sebenzisa ikhodi yakho ye-ZIP lapho usesha izinhlelo ukuze uqiniseke ukuthi ubheka kuphela lezo ezitholakala kuwe.
• Shayela i-Medicare, noma uhlelo lwe-Advantage noma umhlinzeki we-Part D, ukuze ubuze noma yimiphi imibuzo yokulandelela bese uqala inqubo yokubhalisa.

Lo mbhalo uvuselelwe ngoNovemba 20, 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.