Izinhlelo zeMontana Medicare ngo-2021

-Delile

• Yini iMedicare?
• Imithi Yangempela
• I-Medicare Advantage (Ingxenye C) ne-Medicare Ingxenye D
• Yiziphi izinhlelo zeMedicare Advantage ezitholakala eMontana?
• Ngubani Ofanelekela i-Medicare eMontana?
• Ngingabhalisa nini ezinhlelweni zeMedicare Montana?
• Amathiphu wokubhalisa kwi-Medicare eMontana
• Izinsiza zeMontana Medicare
• Yini okufanele ngiyenze ngokulandelayo?

Izinhlelo zeMedicare eMontana zinikeza izinketho eziningi zokuhlanganisa. Noma ngabe ufuna ukumbozwa okuyisisekelo nge-Medicare yasekuqaleni noma uhlelo olubanzi kakhulu lweMedicare Advantage, iMedicare Montana inikeza ukufinyelela kwezinsizakalo zezempilo kuhulumeni.

Yini iMedicare?

IMedicare Montana wuhlelo lomshuwalense wezempilo oluxhaswe nguhulumeni. Inikeza ukunakekelwa kwezempilo kubantu abaneminyaka engama-65 nangaphezulu kanye nalabo abanezifo ezithile ezingamahlalakhona noma abakhubazekile.

Kunezingxenye eziningana eMedicare, futhi ukuqonda lezi zingxenye kuzokusiza ukhethe uhlelo olufanele lweMedicare eMontana.

Imithi Yangempela

I-Original Medicare wuhlelo oluyisisekelo lokumbozwa komshuwalense. Ihlukaniswe izingxenye ezimbili: Ingxenye A noNgxenye B.

Ingxenye A, noma umshuwalense wesibhedlela, awukhokhwa kalula kubantu abafanelekela ukuthola izinzuzo Zokuphepha Komphakathi. Ingxenye A ihlanganisa:

• ukunakekelwa esibhedlela
• ukunakekelwa kwe-hospice
• ukumbozwa okulinganiselwe kokunakekelwa kwendawo yabahlengikazi abanamakhono
• ezinye izinsizakalo zokunakekelwa kwezempilo ekhaya ngezikhathi ezithile

Ingxenye B, noma umshuwalense wezokwelapha, uhlanganisa:

• ukunakekelwa esibhedlela kanye nokuhlinzwa
• ukuhlolwa kwezempilo kwesifo sikashukela, isifo senhliziyo, nomdlavuza
• umsebenzi wegazi
• ukuvakashelwa odokotela abaningi
• izinsizakalo zama ambulensi

I-Medicare Advantage (Ingxenye C) ne-Medicare Ingxenye D

Izinhlelo zeMedicare Advantage (Ingxenye C) zinikezwa ngezinkampani zomshuwalense ezizimele kunama-federal agency. Lokhu kusho ukuthi uzoba nezinketho eziningi kakhulu mayelana nezinsizakalo ezihlanganisiwe nezimali ze-premium.

Izinhlelo zeMedicare Advantage eMontana zimboza:

• zonke izinsizakalo zesibhedlela nezokwelapha ezihlinzekwa yizingxenye zokuqala ze-Medicare A no-B
• khetha ukumbozwa kwezidakamizwa kadokotela
• amazinyo, umbono, nokunakekelwa kokuzwa
• ubulungu bokuqina
• ezinye izinsizakalo zokuhamba

Izinhlelo zemithi kadokotela ezihlinzekwa ngeMedicare Part D zinikeza ukumbozwa ukwehlisa izindleko zakho zemithi ekhishwa ephaketheni. Kunezinhlelo ezahlukahlukene zezidakamizwa, ngayinye ehlanganisa imithi ehlukile. Lezi zinhlelo zingangezwa ekusetshenzisweni kwakho kokuqala kwe-Medicare. Ingxenye D izophinde ikhokhele izindleko zemithi eminingi yokugoma.

Ukukhetha ukumbozwa okulungile ngokuya ngezidingo zakho zokunakekelwa kwezempilo kungaholela ekuthini ukhethe i-Medicare yangempela kanye nokutholakala kweNgxenye D, noma ungafuna ukuhlola izinketho zakho zohlelo lweMedicare Advantage eMontana.

Yiziphi izinhlelo zeMedicare Advantage ezitholakala eMontana?

Izinhlelo zenzuzo zinikezwa inani labathwali bomshuwalense wezempilo abahluka ngokuya ngendawo yakho. Lezi zinhlelo zenzelwe ukuhlangabezana nezidingo zokunakekelwa kwezempilo endaweni, ngakho-ke qiniseka ukuthi ufuna izinhlelo ezitholakala esifundeni sakho. Laba abahlinzeki bomshuwalense wezempilo eMontana:

• IBlue Cross neBlue Shield yaseMontana
• Humana
• Ukunakekelwa Kwezempilo KweLasso
• I-PacificSource Medicare
• UnitedHealthcare

Ngayinye yalezi zithwali zomshuwalense wezempilo ezizimele inezinhlelo ezimbalwa ezingakhetha kuzo, ezinamazinga amaningana we-premium, ngakho-ke hlola kokubili imali ekhokhwayo ye-premium kanye nohlu lwezinsizakalo zezempilo ezihlanganisiwe lapho uqhathanisa amapulani.

Ngubani Ofanelekela i-Medicare eMontana?

Izinhlelo zeMedicare eMontana zisiza abantu lapho beba neminyaka engama-65 ubudala nalabo abanezimo ezithile ezingalapheki noma abakhubazekile. Abantu abaningi babhaliswa ngokuzenzekelayo kwi-Medicare Part A ngokusebenzisa i-Social Security.

Lapho uneminyaka engama-65, ungakhetha futhi ukubhalisa kuNgxenye B, Ingxenye D, noma uhlelo lweMedicare Advantage. Ukuze ufanelekele izinhlelo zeMedicare eMontana kufanele ube:

• uneminyaka engama-65 noma ngaphezulu
• ohlala unomphela eMontana
• isakhamuzi saseU.S

Abantu abadala abangaphansi kweminyaka engama-65 nabo bangafanelekela ukutholakala kwe-Medicare. Uma unokukhubazeka noma ukugula okungamahlalakhona okufana ne-amyotrophic lateral sclerosis (ALS) noma isifo sesifo sokugcina (ESRD), ungafanelekela iMedicare. Futhi, uma ubulokhu uthola izinzuzo Zomshuwalense Wokukhubazeka Komphakathi izinyanga ezingama-24, uzofanelekela ukuthola iMedicare eMontana.

Ngingabhalisa nini ezinhlelweni zeMedicare Montana?

Noma ngabe ubhalise i-Medicare Part A noma cha, uzokwazi ukuthola isikhathi sokuqala sokubhalisa (i-IEP) lapho usufinyelela iminyaka engama-65. Ungaqala inqubo yokubhalisa ezinyangeni ezintathu ngaphambi kosuku lwakho lokuzalwa, kanti i-IEP izokwengeza ezinye izinyanga ezintathu emva kosuku lwakho lokuzalwa. Kodwa-ke, uma ubhalisa ngemuva kosuku lwakho lokuzalwa, izinsuku zokuqala zokumboza zizobambezeleka.

Ngesikhathi se-IEP yakho, ungabhalisa kuNgxenye B, Ingxenye D, noma uhlelo lweMedicare Advantage. Uma ungabhalisi ku-Part D ngesikhathi se-IEP yakho, kuzofanele ukhokhe inhlawulo yokubhalisa sekwedlule isikhathi ku-Part D premium yakho ngokuzayo.

Ungabhalisa ezinhlelweni zeMedicare Advantage eMontana noma uhlelo lweNgxenye B ngesikhathi sokubhalisa esivulekile seMedicare kusuka ngo-Okthoba 15 kuya kuDisemba 7 unyaka nonyaka. Ngalesi sikhathi, ungenza ushintsho ekuhlinzekelweni kwezempilo. Uzokwazi uku:

• bhalisa kuhlelo lweMedicare Advantage uma usunayo iMedicare yangempela
• bhalisela uhlelo lokuhlinzeka ngemithi kadokotela
• ususe ukubhalisela uhlelo lweMedicare Advantage bese ubuyela ku-Medicare yasekuqaleni
• shintsha phakathi kwezinhlelo zeMedicare Advantage eMontana
• shintsha phakathi kwezinhlelo zezidakamizwa

Izinhlelo zeMedicare ziyashintsha minyaka yonke, ngakho-ke ungahle uthande ukuhlola kabusha ukumbozwa kwakho ngezikhathi ezithile. Esikhathini sokubhalisa esivulekile seMedicare Advantage kusuka ngoJanuwari 1 kuya ku-Mashi 31, ungenza ushintsho olulodwa ekuhlanganisweni kwakho kufaka phakathi:

• ukushintsha kusuka kuhlelo olulodwa lweMedicare Advantage kuya kolunye
• ukukhipha kuhlelo lwe-Medicare Advantage bese ubuyela ku-Medicare yasekuqaleni

Uma usanda kulahlekelwa ukumbozwa kwabaqashi, uphumile endaweni yokumboza, noma wafanelekela i-Medicare Montana ngenxa yokukhubazeka, ungafaka isicelo sesikhathi sokubhaliswa esikhethekile ukuze ufake isicelo se-Medicare noma wenze izinguquko kokufaka kwakho.

Amathiphu wokubhalisa kwi-Medicare eMontana

Kuningi okufanele ucatshangelwe uma uqhathanisa izinhlelo zeMedicare eMontana, kepha ngesikhathi esincane nocwaningo, ungazethemba esinqumweni sakho. Nawa amathiphu ambalwa wokukusiza ukhethe uhlelo oluhlangabezana nezidingo zakho:

• Bhala phansi zonke izidingo zakho zokunakekelwa kwezempilo. Ingabe lezi zidingo zihlanganiswa yi-Medicare yasekuqaleni? Uma kungenjalo, funa izinhlelo zeMedicare Advantage eMontana ezinikezela ngesembozo osidingayo, futhi zisengaphakathi kwesabelomali sakho.
• Bhala phansi yonke imithi yakho. Uhlelo ngalunye lwezidakamizwa nohlelo lwe-Advantage luhlanganisa imishanguzo ehlukene, ngakho-ke qiniseka ukuthi uthola uhlelo oluzohlinzeka ngemithi efanelekile kadokotela.
• Yazi ukuthi udokotela wakho ungowayiphi inethiwekhi yomshuwalense. Umphathi ngamunye womshuwalense wangasese usebenza nabahlinzeki be-in-network, ngakho-ke qiniseka ukuthi udokotela wakho uvunyelwe uhlelo olucabangayo.

Izinsiza zeMontana Medicare

Ungathola okuningi mayelana neMedicare Montana, noma finyelela izinsiza ezingeziwe, ngokuxhumana:

I-Medicare (800-633-4227). Ungashayela i-Medicare ngolwazi oluthe xaxa mayelana nezinhlelo ezinikezwayo, kanye namathiphu amaningi ngokuqhathanisa ama-Advantage Plans esifundeni sakho.

UMnyango Wezempilo Yomphakathi kanye Nezinsizakalo Zabantu, Uphiko Lokunakekela Abadala Nesikhathi Eside (406-444-4077). Thola ulwazi mayelana nohlelo losizo lwe-SHIP, izinsizakalo zomphakathi, nezinketho zokunakekelwa kwasekhaya.

UKhomishani Wezokuphepha Nomshuwalense (800-332-6148). Thola ukwesekwa kwe-Medicare, thola okuningi mayelana nezikhathi zokubhalisa, noma uthole usizo lomuntu uqobo.

Yini okufanele ngiyenze ngokulandelayo?

Njengoba ucwaninga ngezinketho zakho zohlelo, hlola ngokucophelela izidingo zakho zamanje zokunakekelwa kwezempilo kanye nesabelomali ukuze uqiniseke ukuthi izinhlelo ozicabangayo zizogcina noma zithuthukise ikhwalithi yempilo yakho.

• Qiniseka ukuthi izinhlelo oziqhathanisa zonke zinikezwa esifundeni sakho naku-zip code yakho.
• Funda izilinganiso zezinkanyezi ze-CMS zezinhlelo ozicabangayo. Izinhlelo ezinesilinganiso sezinkanyezi ezi-4 noma ezi-5 zilinganiswe njengezinhlelo ezinhle.
• Shayela umhlinzeki wohlelo lwe-Advantage noma ungene kwiwebhusayithi yabo ukuthola eminye imininingwane.
• Qala inqubo yesicelo ngocingo noma ku-inthanethi.

Lo mbhalo uvuselelwe ngoNovemba 10, 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.