Izinhlelo zeMichigan Medicare ngo-2021

-Delile

• Imininingwane kaMedare eMichigan
• Izinketho ze-Medicare eMichigan
• Imithi Yangempela
• I-Medicare Advantage eMichigan
• Izinhlelo zokwengeza zeMedicare eMichigan
• Ukubhaliswa kwe-Medicare eMichigan
• Amathiphu wokubhalisa kwi-Medicare eMichigan
• Izinsiza zeMichigan Medicare
• Yini okufanele ngiyenze ngokulandelayo?
• Ukuthatha

I-Medicare wuhlelo lukahulumeni olusiza abantu abadala asebekhulile nabantu abasha abakhubazekile ukukhokhela ukunakekelwa kwezempilo. Ezweni lonke, cishe abantu abayizigidi ezingama-62.1 bathola ukusizakala kwabo kwezempilo eMedicare, kufaka phakathi abantu ababalelwa ezigidini eziyi-2.1 eMichigan.

Uma uthenga izinhlelo zeMedicare eMichigan, ungahle uzibuze ukuthi yiziphi izinketho ezitholakalayo nokuthi ungakhetha kanjani uhlelo olulungele wena.

Imininingwane kaMedare eMichigan

I-Centers for Medicare & Medicaid Services (CMS) ibike imininingwane elandelayo ngemikhuba ye-Medicare eMichigan ngonyaka wohlelo lwango-2021:

• Inani labahlali baseMichigan abangu-2,100,051 babhaliswa kwi-Medicare.
• Isilinganiso se-Medicare Advantage nyangazonke sehle eMichigan uma kuqhathaniswa nonyaka odlule - sisuka ku- $ 43.93 ngo-2020 sehla saya ku- $ 38 ngo-2021.
• Kunezinhlelo eziyi-169 ze-Medicare Advantage ezitholakala eMichigan ngo-2021, uma kuqhathaniswa nezinhlelo eziyi-156 ngo-2020.
• Zonke izakhamizi zaseMichigan ezineMedicare ziyakwazi ukuthenga uhlelo lweMedicare Advantage, kufaka phakathi izinhlelo ezinamaprimiyamu ka- $ 0.
• Kunezinhlelo ezingama-29 ezimele zodwa ze-Medicare Part D ezitholakala eMichigan ngo-2021, uma kuqhathaniswa nezinhlelo ezingama-30 ngo-2020.
• Zonke izakhamizi zaseMichigan ezinecebo elizimele leNgxenye D zinokufinyelela kuhlelo olunemali ephansi yenyanga kunaleyo eziyikhokhile ngo-2020.
• Kunezinqubomgomo ezingama-69 ezahlukahlukene zeMedigap ezinikezwa eMichigan ngo-2021.

Izinketho ze-Medicare eMichigan

EMichigan, kunezinketho ezimbili eziyinhloko zokutholakala kwe-Medicare: i-Medicare yasekuqaleni neMedicare Advantage. I-Original Medicare iphethwe nguhulumeni wesifundazwe, kanti izinhlelo zeMedicare Advantage zinikezwa izinkampani ezizimele.

Imithi Yangempela

I-Original Medicare inezingxenye ezimbili: Ingxenye A neNgxenye B.

Ingxenye A (umshuwalense wesibhedlela) ikusiza ukuthi ukhokhele izinsizakalo ezinjengokuhlala esibhedlela kweziguli nokunakekelwa kwendawo yokunakekela abanamakhono.

Ingxenye B (umshuwalense wezokwelapha) ikusiza ukukhokhela izinsizakalo eziningi zezokwelapha, kufaka phakathi izinsizakalo zodokotela, ukuhlolwa kwezempilo, nokunakekelwa kweziguli ezingalaliswanga.

I-Medicare Advantage eMichigan

Izinhlelo zeMedicare Advantage kungenye indlela yokuthola ukumbozwa kwakho kweMedicare. Ngezinye izikhathi zibizwa ngokuthi Ingxenye C. Lezi zinhlelo ezihlanganisiwe kumele zihlanganise zonke izinsizakalo ze-Medicare izingxenye A no-B. Imvamisa, zifaka nengxenye D, futhi. Izinhlelo zeMedicare Advantage zinganikela nangezinzuzo eziningi ezingeziwe, ezinjengokubona, ukunakekelwa kwamazinyo nokunakekelwa kokuzwa.

Njengomhlali waseMichigan, unezinketho eziningi ze-Medicare Advantage. Kusukela ngo-2021, izinkampani zomshuwalense ezilandelayo zinikela ngezinhlelo zeMedicare Advantage eMichigan:

• I-Aetna Medicare
• Inethiwekhi Yokunakekela Okuhlaza Okwesibhakabhaka
• IBlue Cross Blue Shield yaseMichigan
• I-HAP Senior Plus
• Humana
• I-Priority Health Medicare
• Reliance Medicare Inzuzo
• UnitedHealthcare
• I-WellCare
• Zing Impilo

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

Kwamanye ama-Michiganders, kunendlela yesithathu yokuthola i-Medicare: MI Health Link. Lezi zinhlelo zokunakekelwa eziphethwe ezabantu ababhalise kuwo womabili amaMedicare kanye neMedicaid.

Izinhlelo zokwengeza zeMedicare eMichigan

Izinhlelo ze-Medicare supplement (Medigap) ziwuhlobo lomshuwalense weMedicare othengiswa izinkampani ezizimele. Zenzelwe ukusiza ukumboza izindleko zoqobo ze-Medicare, njenge:

• ukuqinisekiswa kwemali
• ikopisha
• ukudonswa kwemali

Kunezinhlelo eziyi-10 zeMedigap, futhi ngayinye inikezwa igama lencwadi. Akunandaba ukuthi iyiphi inkampani oyisebenzisayo, ukumbozwa okunikezwa uhlelo lwezinhlamvu ezithile kufanele kufane. Kodwa-ke, izindleko nokutholakala kohlelo ngalunye kungahluka ngokuya ngesifundazwe, isifunda, noma ikhodi ye-ZIP lapho uhlala khona.

EMichigan, izinkampani eziningi zomshuwalense zinikela ngezinhlelo zeMedigap. Kusukela ngo-2021, ezinye izinkampani ezinikeza ngezinhlelo zeMedigap eMichigan zifaka:

• I-AARP - UnitedHealthcare
• IBlue Cross Blue Shield yaseMichigan
• I-Cigna
• Colonial Penn
• Humana
• Ezempilo Ezibaluleke Kakhulu
• State Ipulazi

Sekukonke, unezinqubomgomo ezingama-69 ezahlukahlukene zeMedigap ezitholakalayo ongakhetha kuzo kulo nyaka uma uhlala eMichigan.

Ukubhaliswa kwe-Medicare eMichigan

Uma uthola izinzuzo zomhlalaphansi we-Social Security, uzobhaliswa ngokuzenzakalela ku-Medicare lapho usuba neminyaka engama-65. Ungabhaliswa ngokuzenzakalela ekuqaleni kwenyanga yakho yama-25 ku-SSDI uma ungumuntu osemusha osemncane onokukhubazeka.

Uma ungabhaliswanga ngokuzenzekelayo ku-Medicare, ungabhalisa ngezikhathi ezithile phakathi nonyaka. Izikhathi ezilandelayo zokubhalisa ziyatholakala:

• Isikhathi sokuqala sokubhalisa. Uma ufanelekela i-Medicare eneminyaka engama-65, ungabhalisa ngesikhathi sokubhalisa sokuqala sezinyanga eziyi-7. Lesi sikhathi siqala ezinyangeni ezintathu ngaphambi kwenyanga ohlanganisa iminyaka engama-65, ifaka nenyanga yakho yokuzalwa, futhi iphela ezinyangeni ezintathu ngemuva kwenyanga yakho yokuzalwa.
• Isikhathi sokubhalisa esivulekile seMedicare. Uma une-Medicare, ungenza ushintsho kokutholakala kwakho phakathi kuka-Okthoba 15 noDisemba 7 minyaka yonke. Lokhu kufaka phakathi ukujoyina uhlelo lwe-Medicare Advantage.
• Isikhathi sokubhalisa esivulekile seMedicare Advantage. Phakathi kukaJanuwari 1 noMashi 31 minyaka yonke, abantu abanezinhlelo ze-Medicare Advantage bangashintsha ukushintshwa kwabo. Ngalesi sikhathi, ungashintshela kuhlelo olusha lwe-Medicare Advantage noma ubuyele ku-Medicare yasekuqaleni.
• Izinkathi zokubhalisa ezikhethekile. Ungabhalisa ngezinye izikhathi zonyaka uma uhlangabezana nemicimbi ethile yempilo, njengokulahlekelwa uhlelo lwakho lwezempilo olususelwa kumqashi noma ukuvolontiya kwelinye izwe.

Amathiphu wokubhalisa kwi-Medicare eMichigan

Ukukhetha uhlelo lweMedicare eMichigan yisinqumo esikhulu. Nazi ezinye izinto ongafuna ukucabanga ngazo njengoba uthenga eduze:

• Inethiwekhi yomhlinzeki. Uma ukhetha ukubhalisa ohlelweni lwe-Medicare Advantage, ngokuvamile udinga ukuthola ukunakekelwa kwakho kubahlinzeki be-in-network. Ngaphambi kokuba ubhalise, thola ukuthi odokotela, izibhedlela, nezinsiza ozivakashelayo ziyingxenye yenethiwekhi yohlelo.
• Indawo yesevisi. I-Medicare yoqobo iyatholakala ezweni lonke, kepha izinhlelo zeMedicare Advantage zisebenzela izindawo ezincane zezinsizakalo. Thola ukuthi iyiphi indawo yesevisi yeplani ngayinye, nokuthi ikuphi ukumbozwa onakho uma uphumela ngaphandle kwendawo yesevisi.
• Izindleko eziphuma ephaketheni. Ungadinga ukukhokha ama-premium, ama-deductibles, noma ama-copayments wokutholakala kwakho kwe-Medicare. Izinhlelo zeMedicare Advantage zinezindleko zonyaka eziphezulu kakhulu zokuphuma ephaketheni. Qiniseka ukuthi uhlelo olukhethayo luzongena kwisabelomali sakho.
• Izinzuzo. Izinhlelo zeMedicare Advantage zidinga ukumboza izinsizakalo ezifanayo neMedicare yasekuqaleni, kepha zinganikela ngezinzuzo ezengeziwe, ezinjengokunakekelwa kwamazinyo noma umbono. Bangase banikeze izinzuzo ezifana nezinhlelo zokuphila kahle nezidakamizwa ezingekho emthethweni.
• Okunye ukumbozwa kwakho. Kwesinye isikhathi, ukubhalisela uhlelo lweMedicare Advantage kusho ukulahlekelwa yinyunyana yakho noma ukutholakala komqashi. Uma usuvele unokutholakala, thola ukuthi izothinteka kanjani yi-Medicare ngaphambi kokwenza izinqumo.

Izinsiza zeMichigan Medicare

Uma ufuna ukufunda kabanzi mayelana nezinhlelo ze-Medicare eMichigan, izinsizakusebenza ezilandelayo zingasiza:

• Uhlelo lweMichigan Medicare / Medicaid Assistance Program, 800-803-7174
• Ukuphepha Komphakathi, 800-772-1213

Yini okufanele ngiyenze ngokulandelayo?

Uma usukulungele ukubhalisela i-Medicare, noma uma ufuna ukufunda kabanzi mayelana nezinhlelo ze-Medicare Advantage eMichigan:

• Xhumana nohlelo lweMichigan Medicare / Medicaid Assistance Program ukuze uthole ukwelulekwa kwezinzuzo zezempilo mahhala futhi usize ukuzulazula kwiMedicare.
• Gcwalisa isicelo sezinzuzo eziku-inthanethi kuwebhusayithi Yezokuphepha Komphakathi, noma ufake wena mathupha ehhovisi Lezokuphepha Komphakathi.
• Qhathanisa izinhlelo zeMedicare Advantage ku-Medicare.gov, bese ubhalisa kuhlelo.

Ukuthatha

• Cishe abantu abayizigidi eziyi-2.1 eMichigan babhaliswa kwi-Medicare ngo-2020.
• Kunezinkampani eziningi zomshuwalense wangasese ezihlinzeka ngezinhlobo ezahlukahlukene zeMedicare Advantage eMichigan.
• Sekukonke, izindleko ze-premium zanyanga zonke zehlile ezinhlelweni ze-2021 Medicare Advantage eMichigan.
• Kukhona nezinketho eziningi zeNgxenye D neMedigap uma uhlala eMichigan futhi unentshisekelo yokuthenga lezo zinhlelo.

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.