Izinhlelo ezintsha zeMexico Medicare ngo-2021

-Delile

• Yini iMedicare?
• Imithi Yangempela
• Ukusabalala kwezidakamizwa
• Izinhlelo zeMedicare Advantage
• Yiziphi izinhlelo zeMedicare Advantage ezitholakala eNew Mexico?
• Ngubani ofanelekela i-Medicare eNew Mexico?
• Ngingabhalisa nini ezinhlelweni zeMedicare New Mexico?
• Isikhathi sokuqala sokubhalisa
• Isikhathi sokubhalisa esivulekile (ngoJanuwari 1 kuya kuMashi 31) nesikhathi sokubhaliswa sonyaka (ngo-Okthoba 15 kuya kuDisemba 7)
• Isikhathi sokubhalisa esikhethekile
• Amathiphu wokubhalisa kwi-Medicare eNew Mexico
• Izinsiza ezintsha zaseMexico Medicare
• Yini okufanele ngiyenze ngokulandelayo?

I-Medicare New Mexico inikeza ukunakekelwa kwezempilo kubantu abaneminyaka engama-65 nangaphezulu kuhulumeni, kwathi ngo-2018, abantu abangu-409,851 babhaliswa ezinhlelweni zeMedicare eNew Mexico. Kunezinhlobo eziningana zamapulani nabahlinzeki bomshuwalense, ngakho-ke cwaninga izinketho zakho ngaphambi kokubhalisela iMedicare New Mexico.

Yini iMedicare?

Kunezinhlobo ezine eziyinhloko zamasu we-Medicare eNew Mexico, futhi ukuqonda ngakunye kuzokusiza wenze isinqumo esinolwazi mayelana nezidingo zakho zokunakekelwa kwezempilo. Uhlobo ngalunye lunikeza izinketho ezahlukahlukene zokumboza, kusuka kokuyisisekelo kuya kokugcwele.

Imithi Yangempela

Eyaziwa nangokuthi Ingxenye A neNgxenye B, i-Medicare New Mexico yasekuqaleni inikeza ukunakekelwa okuyisisekelo kwezempilo kubantu abaneminyaka engama-65 nangaphezulu kulo lonke elase-United States. Uma ufanelekela izinzuzo zokuphepha komphakathi, kungenzeka ukuthi usuvele ubhalisile ku-Part A futhi ungahle ufanelekele ukumbozwa mahhala.

Ukutholakala kwe-Original Medicare kufaka:

• izinsizakalo zesibhedlela
• ukunakekelwa kwe-hospice
• izinsizakalo zezempilo zasekhaya ezinesikhashana
• indawo yokuhlala yabahlengikazi abanesikhashana
• izinsizakalo zezokwelapha
• umuthi wokugomela umkhuhlane wonyaka
• ukuhlolwa kwegazi
• aphoyintimenti kadokotela

Ukusabalala kwezidakamizwa

Izinhlelo zeMedicare Part D eNew Mexico zihlinzeka ngemithi kadokotela. Kunezinhlelo eziningi ongakhetha kuzo, ngasinye sinohlu olukhethiwe lwemigomo ehlanganisiwe.

Ungangeza ukumbozelwa kwesigaba D ku-Medicare yakho yoqobo ukukhipha izindleko zemithi.

Izinhlelo zeMedicare Advantage

Izinhlelo zeMedicare Advantage (Ingxenye C) eNew Mexico, eyaziwa nangokuthi Ingxenye C, ikunikeza uhla lwezinketho zokuhlanganisa kuwo wonke amazinga we-premium.

Lezi zinhlelo ze-in-one zifaka zonke izinsizakalo ezimbozwe yi-Medicare yasekuqaleni, kanye nokutholakala kwezidakamizwa. Ezinye izinhlelo zeMedicare Advantage eNew Mexico zifaka nokufakwa okungeziwe kwezinhlelo zezempilo nezempilo, impilo yokuvikela, ukunakekelwa kwamazinyo, noma izidingo zombono.

Yiziphi izinhlelo zeMedicare Advantage ezitholakala eNew Mexico?

Abathwali bohlelo lwenzuzo eNew Mexico bafaka:

• Aetna
• Konke
• Ukunakekelwa Komphakathi wase-Amerigroup eNew Mexico
• IBlue Cross Blue Shield yeNM
• CHRISTUS Health Plan Izizukulwane
• I-Cigna
• Humana
• Izinkampani Zomshuwalense We-Imperial, Inc.
• Ukunakekelwa Kwezempilo KweLasso
• IMolina Healthcare yaseNew Mexico, Inc.
• Inkampani yase-Presbyterian Insurance, Inc.
• UnitedHealthcare

Ngayinye yalezi zithwali inikeza izinhlelo eziningi ze-Medicare Advantage futhi inikeze konke kusuka ekusetshenzisweni okuyisisekelo kuya ekuhlanganisweni okuphelele kwezempilo nezidakamizwa.

Akubona bonke abathwali abahlinzeka ngomshuwalense kuzo zonke izifunda, ngakho-ke hlola izidingo zendawo yomhlinzeki ngamunye, bese usebenzisa ikhodi ye-ZIP lapho usesha ukuze uqiniseke ukuthi ubheka kuphela amapulani atholakala esifundeni sakho.

Ngubani ofanelekela i-Medicare eNew Mexico?

Iningi labantu abaneminyaka engama-65 nangaphezulu banelungelo lokuthola iMedicare New Mexico. Ukuze ufaneleke kufanele:

• ube neminyaka engama-65 noma ngaphezulu
• ube yisakhamuzi noma ohlala unomphela e-United States kule minyaka engu-5 noma ngaphezulu edlule

Uma ungaphansi kweminyaka engama-65, ungahle futhi ufanelekele iMedicare New Mexico uma:

• unokukhubazeka unomphela
• bebefanele ukuthola izinzuzo zokukhubazeka Komphakathi izinyanga ezingama-24
• unesifo esingelapheki njenge-amyotrophic lateral sclerosis (ALS) noma isifo sesifo sokugcina (ESRD)

Uyafaneleka futhi ukuthola ukumbozwa kwe-Part A yamahhala uma uhlangabezana nenye yalezi zidingo ezilandelayo:

• wena noma oshade naye ninelungelo lokuthola izinzuzo ezivela ku-Social Security
• wena noma oshade naye ninelungelo lokuthola izinzuzo ezivela kuBhodi Yesitimela Yokuthatha Umhlalaphansi
• ubusebenza lapho ukhokha khona intela yeMedare

Ngingabhalisa nini ezinhlelweni zeMedicare New Mexico?

Isikhathi sokuqala sokubhalisa

Leli yithuba lakho lokuqala lokubhalisa kwi-Medicare New Mexico. Lesi sikhathi sezinyanga eziyi-7 siqala izinyanga ezi-3 ngaphambi kwenyanga ozoba neminyaka engama-65 ngayo, ifaka nenyanga yakho yokuzalwa, bese welula izinyanga ezi-3 ngemuva kokuthola iminyaka engama-65.

Isikhathi sokubhalisa esivulekile (ngoJanuwari 1 kuya kuMashi 31) nesikhathi sokubhaliswa sonyaka (ngo-Okthoba 15 kuya kuDisemba 7)

Ithuba lakho elilandelayo lokubhalisa kwi-Medicare ngalezi zikhathi unyaka nonyaka.

Ngalezi zikhathi ezimbili unga:

• engeza ukufakwa kwengxenye D ku-Medicare yakho yasekuqaleni
• shintshela ku-Medicare yasekuqaleni uye kuhlelo lwe-Advantage
• shintshela ohlelweni lwe-Advantage ubuyele ku-Medicare yasekuqaleni
• shintsha phakathi kwezinhlelo zeMedicare Advantage eNew Mexico

Isikhathi sokubhalisa esikhethekile

Ungahle ukwazi ukubhalisa ngalesi sikhathi uma usanda kulahlekelwa yinzuzo yezempilo yomqashi wakho noma uhambile ngaphandle kwebanga lohlelo lwakho lwamanje. Ungafaneleka nokubhaliswa okukhethekile uma usanda kuthuthela ekhaya labahlengikazi, noma uma ufanelekela uhlelo lwezidingo ezikhethekile ngenxa yokukhubazeka noma ukugula okungalapheki.

Amathiphu wokubhalisa kwi-Medicare eNew Mexico

Ngezinhlelo eziningi zeMedicare eNew Mexico, kuzothatha isikhathi ukuthola uhlelo olufanele lwezidingo zakho zezempilo kanye nesabelomali. Nawa amanye amathiphu wokukusiza ukuthi uhlole izinketho zakho zohlelo.

1. Thola ukuthi ngabe udokotela noma ikhemisi olikhethayo limboziwe yini. Isithwali ngasinye se-Medicare Part D ne-Advantage Plan sisebenza nenombolo esethiwe yodokotela namakhemisi avunyiwe yinethiwekhi. Shayela ihhovisi likadokotela wakho ukuthola ukuthi yiziphi izithwali abasebenza nazo, futhi uqiniseke ukuthi ucabanga kuphela ngezinhlelo ezizobhekana nokuqokwa kukadokotela wakho.
2. Yenza uhlu oluphelele lwemithi kanye nemiyalo oyinikezwa njengamanje. Uhlelo ngalunye lunohlu lwemithi ehlanganisiwe, ngakho qhathanisa lolu hlu lubhekane nolwakho bese ukhetha kuphela uhlelo oluzokunikeza ukutholakala kwezidakamizwa okufanele.
3. Qhathanisa izilinganiso. Ukuthola ukuthi abanye bacabangeni ngohlelo ngalunye, qhathanisa izilinganiso zezinkanyezi zohlelo ngalunye ukuze ubone ukuthi yini esebenza kangcono. I-CMS isebenzisa uhlelo lokulinganisa izinkanyezi ezi-1 kuya kwezi-5, lapho i-4 noma i-5 ikhombisa ukuthi abantu ababebhaliswe kuhlelo ngonyaka owedlule baba nokuhlangenwe nakho okuhle ngalo.

Izinsiza ezintsha zaseMexico Medicare

Uma udinga izeluleko zokuthi ungakhetha kanjani uhlelo, noma ukuze ucacise izinsuku zakho zokufaneleka noma zokubhalisa, xhumana nanoma yiziphi izinhlangano zombuso ezilandelayo ukuze uthole usizo.

• Umnyango omusha waseMexico Wokuguga Nesikhathi Eside, 800-432-2080. UMnyango Wokuguga uhlinzeka ngokwelulekwa okungachemile ngezinsizakalo ze-Medicare, State Health Insurance Assistance Program (SHIP), imininingwane ye-Ombudsman, kanye nokufinyelela kuzinsizakalo ezifana nokudla noma igrosa.
• Ukukhokhela ukunakekelwa okuphezulu, 206-462-5728. Thola ngosizo lwe-Prescription Drug New Mexico, kanye nosizo lwezezimali lokunakekelwa nokuphila okusizwayo.
• Imithi, 800-633-4227. Xhumana noMedicare ngqo ukuze ubuze ngezinhlelo zeMedicare eNew Mexico, ubuze ngezilinganiso ze-Star Ratings, noma ubuze ngezikhathi ezikhethekile zokubhalisa.

Yini okufanele ngiyenze ngokulandelayo?

Ingabe usukulungele ukubhalisa kwi-Medicare New Mexico? Qiniseka ukuthi uyifanele i-Medicare bese uqala ukubhalisa ngo:

• Ukunquma ukuthi ungabhalisa nini kwi-Medicare, kungaba ngesikhathi sakho sokuqala sokubhalisa noma ngesikhathi sokubhalisa okuvulekile.
• Buyekeza izinketho zakho zokuhlanganisa, bese ukhetha uhlelo olunikeza ukunakekelwa kwezempilo nokutholakala kwezidakamizwa okudingayo ngephrimiyamu efanele.
• Shayela i-Medicare noma umhlinzeki womshuwalense ukuqala 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.