Izinhlelo zeMassachusetts Medicare ngo-2021

-Delile

• Yini iMedicare?
• Yiziphi izinhlelo ze-Medicare Advantage ezitholakala eMassachusetts?
• Ngubani ofanelekela i-Medicare eMassachusetts?
• Ngingabhalisa nini kuhlelo lwe-Medicare?
• Amathiphu wokubhalisa kwi-Medicare eMassachusetts
• Izinsiza zeMassachusetts Medicare
• Yini okufanele ngiyenze ngokulandelayo?

Kunezinhlelo eziningi ze-Medicare eMassachusetts. IMedicare wuhlelo lomshuwalense wezempilo oluxhaswe nguhulumeni olwenzelwe ukukusiza uhlangabezane nezidingo zakho zezempilo.

Funda ngezinhlelo ezahlukahlukene zeMedicare eMassachusetts ngo-2021 bese uthole uhlelo olulungele wena.

Yini iMedicare?

I-Original Medicare uhlelo oluyisisekelo lwe-Medicare, kufaka phakathi izingxenye A no-B.

Ingxenye A ihlanganisa konke ukunakekelwa kwasesibhedlela, njengokunakekelwa kweziguli ezingalaliswayo, izinsizakalo ezinqunyelwe zokunakekelwa kwempilo yasekhaya, nokunakekelwa kwe-hospice.

Ingxenye B inikeza ukunakekelwa kokunakekelwa kwezokwelapha, kufaka phakathi ukuqokwa kwabadokotela, izinsizakalo ze-ambulensi, kanye nokuhlolwa okufana nama-x-ray nomsebenzi wegazi.

EMassachusetts, nawe unenketho yokubhalisela uhlelo lweMedicare Advantage (Ingxenye C). Lezi zinhlelo zizinhlelo zonke zodwa ezinikezwa ngabathwali bomshuwalense wezempilo abazimele.

Izinhlelo zeMedicare Advantage zimboza zonke izinsizakalo ezifanayo neMedicare yasekuqaleni, futhi nokuhlinzeka ngezidakamizwa ngezinhlelo ezithile. Kunamakhulu ezinhlelo zeMedicare Advantage eMassachusetts ongakhetha kuzo, futhi eziningi zifaka ukumbozwa okwengeziwe kwezinsizakalo ezinjengombono, ukuzwa, noma ukunakekelwa kwamazinyo.

Ingxenye D (ukumbozwa kwezidakamizwa kadokotela) ifaka izindleko zemithi futhi yehlisa izindleko zokuphuma ephaketheni. Lolu hlelo luvame ukungezwa kwi-Medicare yasekuqaleni ukuhlinzeka ngokuhlanganisa okuphelele.

Ungase futhi ukhethe ukwengeza uhlelo lweMedigap. Lezi zinhlelo zokungezelela zingasiza ekuhlinzekeni ukufakwa okungeziwe ukukhokha imali engakhokhelwa nge-Medicare yasekuqaleni, njengama-copays, i-coinsurance, kanye nokudonswa kwemali.

Yiziphi izinhlelo ze-Medicare Advantage ezitholakala eMassachusetts?

Izinhlelo zeMedicare Advantage eMassachusetts ziyatholakala kubo bonke abahlali abafanelekela ukutholakala ngemithi. Lezi zinhlelo zeMedicare eMassachusetts zinamaprimiyamu aphezulu kepha zifaka nezinsizakalo eziningi zokunakekelwa kwezempilo.

Abahlinzeki bohlelo lweMedicare Advantage eMassachusetts bahlanganisa:

• I-Aetna Medicare
• IBlue Cross Blue Shield yaseMassachusetts
• Impilo ye-Fallon
• IHarvard Pilgrim Health Care, Inc.
• Humana
• Ukunakekelwa Kwezempilo KweLasso
• Uhlelo lwezempilo lweTufts
• UnitedHealthcare

Lapho ukhetha uhlelo lwe-Medicare Advantage, uzofuna ukuqhathanisa amanani ahlukene nezinhlelo zokuhlanganisa. Qinisekisa ukuthi uhlelo olufunayo lunikezwa endaweni yangakini. Izinhlelo ziyahlukahluka ngesifunda, ngakho-ke sebenzisa ikhodi yakho ye-ZIP ukuze uhlole ukuthi izinhlelo oziqhathanisa ziyatholakala yini endaweni yangakini.

Ngubani ofanelekela i-Medicare eMassachusetts?

I-Medicare itholakala kuzo zonke izakhamizi zase-U.S. Kanye nabahlali abangaphezu kweminyaka engama-65, kanye nakubantu abakhubazekile noma abanezifo ezingamahlalakhona.

Ungabhaliswa ngokuzenzakalela ku-Medicare lapho usuba neminyaka engama-65, kodwa uma ungabhalisile, qiniseka ukuthi uhlangabezana nezimfuneko zokufaneleka ezilandelayo:

• uyisakhamuzi sase-United States noma uhlala unomphela
• ukhokhe ukukhishwa kwemali ekhokhwayo ye-Medicare ngesikhathi somsebenzi wakho

Uma ungaphansi kweminyaka engama-65, ungafaneleka ukuthola i-Medicare uma:

• unokukhubazeka lapho uthole khona izinkokhelo Zomshwalense Wokukhubazeka Komphakathi okungenani izinyanga ezingama-24
• babe nesifo sesifo sezinso (ESRD) noma i-amyotrophic lateral sclerosis (ALS)

Ngingabhalisa nini kuhlelo lwe-Medicare?

Ingabe usukulungele ukubhalisa ohlelweni lwe-Medicare eMassachusetts?

Ithuba lakho lokuqala lokubhalisa lizoba ngesikhathi sokubhalisa kwakho kokuqala (IEP). Lesi isikhathi sezinyanga eziyi-7 esiqala ezinyangeni ezi-3 ngaphambi kosuku lwakho lokuzalwa lwama-65, kufaka phakathi inyanga yakho yokuzalwa, futhi ophela ezinyangeni ezi-3 ngemuva kosuku lwakho lokuzalwa. Ngalesi sikhathi, ungabhaliswa ngokuzenzakalela ku-Medicare yoqobo uma uthola izinzuzo ezivela ku-Railroad Retirement Board noma kwa-Social Security. Abanye bangadinga ukubhalisa ngesandla.

Ngesikhathi se-IEP yakho, ungangena futhi ekuhlanganisweni kwePulani D, noma ucabangele uhlelo lweMedicare Advantage eMassachusetts.

Ngemuva kwe-IEP yakho, uzoba namathuba amabili ngonyaka wokubhalisa kwi-Medicare yasekuqaleni, engeza ukumbozwa, noma ushintshele kuhlelo lwe-Medicare Advantage. Uzokwazi ukushintsha ukumboza kwakho ngesikhathi sokubhalisa esivulekile seMedicare, okungukuthi Januwari 1 kuya ku-Mashi 31, kanye nesikhathi sokubhaliswa sonyaka seMedicare, ngesikhathi Okthoba 15 noDisemba 7.

Ungase futhi ufanelekele isikhathi sokubhalisa esikhethekile futhi ukwazi ukubhalisa kwi-Medicare zisuka nje uma usanda kuba nezinguquko kumshwalense womqashi wakho noma usanda kutholakala unesimo sempilo esingapheli.

Amathiphu wokubhalisa kwi-Medicare eMassachusetts

Kuningi okufanele ucatshangelwe lapho ukhetha uhlelo lwe-Medicare. Nawa amanye amathiphu wokubhalisa ukukusiza ukhethe uhlelo olufanele lwe-Medicare:

• Izindleko. Bheka emuva kuwo wonke amaprimiyamu nezindleko ezingaphandle kwepokhethi ozikhokhele ngonyaka odlule. Ngabe uhlelo lwakho lomshuwalense wezempilo olukhona selukuhlinzekele ngokwanele? Uma kungenjalo, funa icebo elizokunikeza ukumbozwa okwengeziwe futhi likusize ukuthi ufinyelele ezinsizakalweni ozidingayo ukugcina impilo yakho nokuphila kahle.
• Hlela inethiwekhi. Ithiphu elibalulekile okufanele ulikhumbule ukuthi akubona bonke odokotela abambozwa yilo lonke uhlelo lomshuwalense. Uma ucabanga ngamasu we-Medicare Advantage eMassachusetts, shayela udokotela wakho bese uthola ukuthi angamanethiwekhi akuphi. Lokhu kuzokusiza unciphise ukusesha kwakho ukuze ungadingi ukushintsha odokotela.
• Izidingo zemithi. Cabanga ukungeza i-Part D noma ukumbozwa kwezidakamizwa kuhlelo lwakho lokuqala lwe-Medicare Massachusetts. Uma usanda kuqala ukuthatha imishanguzo emisha, ukufaka i-Part D noma ukuthola uhlelo lwe-Advantage kungakusiza ukonga ezindlekweni ezingaphandle kwephakethe ngonyaka ozayo.
• Ukusabalala kwekhemisi. Shayela ikhemisi lakho ubuze ukuthi ikuphi ukwamukela abakwemukelayo. Ungathola uhlelo oluhle oluhlanganisa imishanguzo yakho kepha alwamukelwa ikhemisi lakho. Funa elinye ikhemisi endaweni yangakini elizokwamukela uhlelo lokukusiza ukonga ezindlekweni zemithi.

Izinsiza zeMassachusetts Medicare

Ukuze ufunde kabanzi mayelana nezinhlelo zokuqala zeMedicare neMedicare Advantage eMassachusetts, ungafinyelela kulezi zinsiza noma uthole izeluleko kochwepheshe.

• I-Medicare.gov (800-633-4227). Funda kabanzi mayelana nezinketho zokumboza, thola amapulani we-PACE, bese uqhathanisa Izinhlelo ezihlukile ze-Medicare Advantage eMassachusetts.
• KHANYA (800-243-4636). Nge-SHINE, ungathola ukwelulekwa kwamahhala komshuwalense wezempilo, ufunde ukuthi ungayisetha kanjani i-akhawunti ye-MyMedicare, futhi ufinyelele ezinhlelweni zeMass Health.
• IKhomishini Yomshwalense Weqembu (617-727-2310). Uma une-GIC yezempilo, thola imininingwane ngokubhalisa eMedicare Massachusetts kanye nezindleko zeprimiyamu yocwaningo.
• IMassHealth (800-841-2900). Thola ukuthi ingabe uyakufanelekela yini ukunakekelwa okukodwa futhi uthole imininingwane yokufinyelela ephathelene nemithetho ye-Medicare eMassachusetts.
• IMassOptions (844-422-6277). Xhumana neMassOptions ukuthola eminye imininingwane ngokunakekelwa kwasekhaya, impilo yokuzimela yabantu abadala abakhubazekile, nezinye izinsiza zamahhala.

Yini okufanele ngiyenze ngokulandelayo?

Uma ufanelekile ukubhalisa eMedicare Massachusetts ngo-2021, qhathanisa ngokucophelela izinhlelo ze-Medicare zokukala izinketho zakho.

• Nquma amaprimiyamu ongathanda ukuwakhokha bese ubheka uhlelo lweMedicare Massachusetts esifundeni sakho oluzonikeza ukumbozwa okudingayo.
• Shayela udokotela wakho ukuthola ukuthi bangabayiphi inethiwekhi bese uqhathanisa ubuncane bezinhlelo ezintathu zeMedicare eMassachusetts.
  • Bhalisa ku-Medicare ku-intanethi noma ngokushayela othwala uhlelo lwe-Medicare Advantage ngqo.

Noma ngabe umusha kwi-Medicare noma ucabanga ukushintshela kuhlelo lwe-Medicare Advantage eMassachusetts, ungathola kalula uhlelo oluzohlanganisa zonke izidingo zakho zezempilo ngo-2021.

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.