Izinhlelo ze-Nebraska Medicare ngo-2021

-Delile

• Yini iMedicare?
• Yiziphi izinhlelo zeMedicare Advantage ezitholakala eNebraska?
• Ngubani ofanelekela i-Medicare eNebraska?
• Ngingabhalisa nini kuzinhlelo zeMedicare Nebraska?
• Amathiphu wokubhalisa kwi-Medicare eNebraska
• Izinsiza ze-Nebraska Medicare
• Yini okufanele ngiyenze ngokulandelayo?

Uma uhlala eNebraska futhi ufanelekela iMedicare - noma usondela ekufanelekeni - ungahle uzibuze mayelana nezinketho zakho. I-Medicare uhlelo lukazwelonke lomshuwalense wezempilo wabantu abadala abaneminyaka engama-65 noma ngaphezulu noma abantu banoma imuphi unyaka abanokukhubazeka okuthile.

Eminyakeni edlule, lolu hlelo selukhulise ukufaka izinketho ongazithenga ezinkampanini zomshuwalense wangasese ukuze uthuthukise noma ushintshe ukumbozwa okutholayo kuhulumeni.

Yini iMedicare?

I-Medicare yakhiwe izingxenye ezahlukahlukene. I-Original Medicare, ukumboza okuthola ngqo kuhulumeni, kufaka izingxenye A no-B.

• Ingxenye A isiza ukukhokha ezinye zezindleko zezinsizakalo zokunakekelwa kwezempilo ezingalaliswanga ezibhedlela ozitholayo, inikezela ngezinsizakalo ezilinganiselwe zokunakekelwa kwezinsiza zabahlengikazi nezinsizakalo zezempilo zasekhaya, futhi ihlanganisa ukunakekelwa kwe-hospice.
• Ingxenye B isiza ukukhokhela ukunakekelwa kweziguli ezivamile kanye nemithi oyitholayo lapho ubona udokotela noma uchwepheshe.

Uma wena noma oshade naye nisebenze okungenani iminyaka eyishumi, kungenzeka ufaneleke ukuthola iNgxenye A ngaphandle kokukhokha noma yimaphi ama-premium. Lokhu kungenxa yokuthi mhlawumbe usuvele uyikhokhele ngentela ekhokhelwayo. Udinga ukukhokha imali ekhokhelwa ingxenye yesigaba B. Inani le-premium liyahluka ngokuya ngezici, njengeholo lakho.

I-Original Medicare ayihlanganisiwe ngamaphesenti ayi-100. Usakhokha ephaketheni lapho ubona udokotela ngendlela yama-copay, ama-coinsurance, kanye nama-deductibles. Futhi akukho ukutholakala nhlobo kwemithi kadokotela, ukunakekelwa kwesikhathi eside, noma izinsizakalo zamazinyo noma umbono.

Ngenhlanhla, kunezinhlelo zeMedicare ongazithenga ezinkampanini zomshuwalense ezizimele ezingangeza noma zishintshe iMedicare yasekuqaleni:

• Izinhlelo zokwengeza zeMedicare, kwesinye isikhathi ezibizwa ngokuthi izinhlelo zeMedigap, zengeza ku-Medicare yakho yasekuqaleni. Bangasiza ukukhulula ezinye zezindleko zama-copays kanye ne-coinsurance. Bangangeza futhi amazinyo, umbono, ukunakekelwa kwesikhathi eside, noma okunye ukufakwa.
• Ingxenye D yezinhlelo zezinhlelo zemithi kadokotela. Basiza ngokukhethekile ukukhokha izindleko zemithi kadokotela.
• Izinhlelo zeMedicare Advantage (Ingxenye C) zinikela ngenye indlela “kukho konke okukodwa” ukuze kutholwe imishanguzo yokuqala eyiMedicare nokufakwa okungeziwe. Izinhlelo ze-Medicare Advantage zihlanganisa zonke izinzuzo ezifanayo njenge-Medicare yasekuqaleni, kanye nezinhlobo zokutholakala okungeziwe ongazithola ngokungeza uhlelo lokwengeza lwe-Medicare, kufaka phakathi umuthi kadokotela, wamazinyo nezinye izinzuzo. Izinhlelo zeMedicare Advantage ngokuvamile ziza nokuningi okuningi, futhi, kufaka phakathi izinhlelo zezempilo nenhlalakahle, izaphulelo zamalungu, nokuningi.

Yiziphi izinhlelo zeMedicare Advantage ezitholakala eNebraska?

Uma i-Medicare Advantage izwakala njengenketho enhle kuwe, kunezinkampani eziningi zomshuwalense ezizimele ezinikeza izinhlelo esifundazweni saseNebraska. Kubandakanya:

• I-Aetna Medicare
• IBlue Cross neBlue Shield yaseNebraska
• Impilo Ekhanyayo
• Humana
• IMedica
• Uhlelo lwe-Medical Associates Health, Inc.
• UnitedHealthcare

Ukunikezwa kohlelo lweMedicare Advantage kuyahluka ngesifunda, ngakho-ke faka ikhodi yakho ye-ZIP ethize lapho usesha izinhlelo lapho uhlala khona.

Ngubani ofanelekela i-Medicare eNebraska?

Sivame ukucabanga nge-Medicare njengomshuwalense wabantu abaneminyaka engama-65 noma ngaphezulu, kepha ungabhalisa kwi-Medicare uma:

• uneminyaka engama-65 noma ngaphezulu
• angaphansi kweminyaka engama-65 futhi anokukhubazeka okufanelekile
• noma yibuphi ubudala futhi unesifo sesifo sokuphela kwesigaba (ESRD) noma i-amyotrophic lateral sclerosis (ALS)

Ngingabhalisa nini kuzinhlelo zeMedicare Nebraska?

Uma ukufaneleka kwakho kwe-Medicare kusekelwe eminyakeni yobudala, isikhathi sakho sokubhalisa sokuqala siqala izinyanga ezintathu ngaphambi kosuku lwakho lokuzalwa lwama-65 futhi luyaqhubeka izinyanga ezintathu ngemuva kwalokho. Ngokuvamile kunengqondo ukubhalisa okungenani engxenyeni A ngalesi sikhathi, ngoba kungenzeka ukuthi awudingi ukuyikhokhela noma yini, futhi izinzuzo ze-Part A zizoxhumana nanoma ikuphi okukhona okukhona komshwalense onakho.

Uma wena noma oshade naye niqhubeka nisebenza, futhi nisafanelekela ukumbozwa ngohlelo lwezempilo lweqembu elixhaswe umqashi, ungakhetha ukuyeka ukubhalisa engxenyeni B noma kunoma yikuphi ukufakwa okwengeziwe ngalesi sikhathi. Kulezi zimo, uzofanelekela isikhathi sokubhalisa esikhethekile ngokuhamba kwesikhathi.

Ngokwengeziwe, kunesikhathi sokubhalisa esivulekile unyaka nonyaka lapho ungafaka khona isicelo seMedicare okokuqala noma ushintshe izinhlelo. Isikhathi sokubhaliswa okujwayelekile kwezinhlelo ze-Medicare Advantage siqala ngoJanuwari 1 kuya ku-Mashi 31 unyaka ngamunye.

Amathiphu wokubhalisa kwi-Medicare eNebraska

Uma usukulungele ukubhalisa, kubalulekile ukwenza umsebenzi wakho wesikole ezinhlelweni ze-Medicare e-Nebraska, ikakhulukazi uma ucabanga uhlelo lwe-Medicare Advantage. Ngenkathi umthetho wobumbano udinga ukuthi izinhlelo zeMedicare Advantage zihlanganise izinzuzo ezifanayo neMedicare yasekuqaleni, kunokuguquguquka kokuthi izinhlelo zakhiwe kanjani. Ezinye izinhlelo ze-Health Maintenance Organisation (HMO), kuyilapho ezinye zizinhlelo ze-Preferred Provider Organisation (PPO), ngokwesibonelo.

Yiluphi uhlobo lwecebo olusebenza kangcono kuwe kuya ngesimo sakho nokuncamelayo. Kungasiza ukugcina engqondweni imibuzo efana nale elandelayo:

• Injani inethiwekhi yomhlinzeki?
• Ngabe inethiwekhi ifaka odokotela nezibhedlela engingazidinga ezilungele mina?
• Ngabe ngizodinga ukuhanjiswa uma ngidinga ukubona ongoti?
• Ngabe lolu hlelo luzongibiza malini, kokubili kuma-premiums nasendaweni yokusebenza lapho ngifuna ukunakekelwa?
• Ingabe uhlelo lufaka ukumbozwa nezinhlelo ezinengqondo kimi?

Izinsiza ze-Nebraska Medicare

Lezi zinsizakusebenza zingaba wusizo ukukusiza ufunde kabanzi mayelana nezindlela zokuhlanganisa zeMedicare Nebraska:

• Umnyango Womshuwalense waseNebraska
• Imithi
• Ukuphathwa Kwezokuphepha Komphakathi

Yini okufanele ngiyenze ngokulandelayo?

Uma usukulungele ukubhalisa kuhlelo lwe-Medicare Nebraska, cabanga ngalezi zenzo ezilandelayo:

• Yenza ucwaningo ngezinketho zakho zohlelo ngalunye. Uhlu olungenhla lungaba yisiqalo esihle sokufunda kabanzi ngamasu we-Medicare Advantage eNebraska.
• Kungasiza futhi ukufinyelela kumenzeli onolwazi ngeMedicare futhi kungakusiza uqonde ukuthi izinketho zakho zisifanela kanjani ngqo isimo sakho.
• Uma uphakathi kwesikhathi sakho sokuqala sokubhalisa noma esivulekile, gcwalisa isicelo se-inthanethi se-Medicare kuwebhusayithi ye-Social Security Administration. Uhlelo lokusebenza luthatha imizuzu futhi aludingi mibhalo yokuqala.

Lo mbhalo uvuselelwe ngoNovemba 13, 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.