Izinhlelo zeNorth Dakota Medicare ngo-2021

-Delile

• Yini iMedicare?
• Izingxenye A no-B
• Ingxenye C
• Ingxenye D
• I-Medigap
• Yiziphi izinhlelo zeMedicare Advantage ezitholakala eNyakatho Dakota?
• Ngubani ofanelekela i-Medicare eNyakatho Dakota?
• Ngingabhalisa nini eMedicare North Dakota?
• Ukubhaliswa kokuqala (izinyanga eziyi-7 ezungeze usuku lwakho lokuzalwa lwama-65)
• Ukubhaliswa okujwayelekile (ngoJanuwari 1 kuya kuMashi 31) nokubhaliswa konyaka (ngo-Okthoba 15 kuya kuDisemba 7)
• Ukubhaliswa okukhethekile
• Amathiphu wokubhalisa kwi-Medicare eNyakatho Dakota
• Izinsizakusebenza zeMedicare eNyakatho Dakota
• Yini okufanele ngiyenze ngokulandelayo?

I-Medicare uhlelo lomshuwalense wezempilo oluxhaswe nguhulumeni olutholakala eNyakatho Dakota kubantu abaneminyaka engama-65 nangaphezulu noma labo abanezimo ezithile zezempilo noma abakhubazekile.

Kusuka ku-Medicare yasekuqaleni kuya ekusetshenzisweni kwezidakamizwa kanye nasezinhlelweni ze-Advantage eNyakatho Dakota, iMedicare inezinhlelo ezahlukahlukene nezindlela zokuhlanganisa ukuze ihambisane nesabelomali sakho nezidingo zakho zokunakekelwa kwezempilo.

Yini iMedicare?

Uma ucubungula izinketho zakho zezinhlelo zeMedicare eNyakatho Dakota, kuzofanele uqale unqume ngezinga lokusibekela olidingayo.

Izingxenye A no-B

Ama-Original Medicare ahlela eNyakatho Dakota ahlinzeka ngomshuwalense wezempilo oxhaswe nguhulumeni esibhedlela nakwezokwelapha. I-Original Medicare ingahlukaniswa ngeNgxenye A (umshuwalense wesibhedlela) neNgxenye B (umshuwalense wezokwelapha).

Ukutholakala kwe-Original Medicare kufaka:

• ukunakekelwa kwezibhedlela ezingalaliswayo neziguli ezingalaliswanga
• ukuhlolwa ngokomzimba kwaminyaka yonke
• ukuhlolwa kwelebhu
• ukunakekelwa kwezempilo okulinganiselwe, okuyitoho
• ukunakekelwa okuncane kakhulu, ukunakekelwa kwesikhungo sabahlengikazi besikhashana
• izinsizakalo zama ambulensi
• ukunakekelwa kwempilo yengqondo

Iningi labantu libhaliswa ngokuzenzekelayo kuNgxenye A lapho lihlanganisa iminyaka engama-65 ubudala.

Ingxenye C

Izinhlelo zeMedicare Advantage (Ingxenye C) eNyakatho Dakota zinikezwa ngabathwali bomshuwalense abazimele, futhi zinikeza ukunakekelwa kwezempilo okubanzi kakhulu kuneMedicare yasekuqaleni.

Ukusetshenziswa kohlelo lwenzuzo kufaka:

• konke okuhlanganiswa yiMedicare yangempela
• Ukusabalala kwezidakamizwa kohlu oluthile lwemithi
• ukumboza okungakhethwa kwezinye izinsizakalo ezifana namazinyo, ukuzwa, noma umbono

Ingxenye D

Ukutholakala kwemithi kadokotela kunikezwa ngabathwali bomshuwalense wezempilo abazimele njengoba iNgxenye D ihlela. Ungangeza uhlelo lwengxenye D ohlelweni lwakho lokuqala lweMedicare North Dakota ngosizo lokumboza izindleko zemithi yakho.

Uhlelo ngalunye lunohlu olwehlukile lwemithi ehlanganisiwe, eyaziwa njenge-formulary. Ngakho-ke, uma uqhathanisa amapulani engxenye D, hlola uhlu ngokuqhathanisa nemiyalo oyithathayo ukuqinisekisa ukuthi ifakiwe.

I-Medigap

Izinhlelo ze-Medicare supplement (Medigap) eNyakatho Dakota zinikezwa ngabathwali bomshuwalense abazimele, futhi bakhokha izindleko zokuphuma ephaketheni ezinjenge-copays kanye ne-coinsurance okungenziwa yi-Medicare yasekuqaleni.

Awukwazi ukuthenga zombili Ingxenye C neMedigap. Kufanele ubhalise kwi-Medicare yangempela futhi ungakhetha i-Part C noma iMedigap.

Yiziphi izinhlelo zeMedicare Advantage ezitholakala eNyakatho Dakota?

Izinhlelo zeMedicare Advantage eNyakatho Dakota zonke zinikezwa ngabathwali bomshuwalense abazimele. Isithwali ngasinye sihlinzeka ngezinhlelo zomshwalense ezihlukile ngezindlela ezahlukahlukene zokumboza namanani we-premium.

Abahlinzeki nezinhlelo ziyahlukahluka ngesifunda, ngakho-ke lapho ufuna izinhlelo zeMedicare Advantage eNyakatho Dakota, qiniseka ukuthi ubheka kuphela ezitholakala ku-ZIP code yakho kanye nasendaweni.

Abathwali ababalwe ngezansi banikela ngezinhlelo ezigunyazwe yi-Medicare zeCart C kubahlali baseNyakatho Dakota:

• Aetna
• Abezempilo
• Humana
• Ukunakekelwa Kwezempilo KweLasso
• IMedica
• OlandelayoBlue waseNyakatho Dakota
• UnitedHealthcare

Ngubani ofanelekela i-Medicare eNyakatho Dakota?

Udinga ukuhlangabezana nezinqubo ezimbalwa zokufaneleka kwamasu we-Medicare eNyakatho Dakota:

• kufanele ube neminyaka engama-65 noma ngaphezulu
• kufanele ube yisakhamuzi sase-U.S. noma umhlali wase-United States unomphela

Ingabe ungaphansi kweminyaka engama-65? Usengafaneleka ukuthola i-Medicare uma:

• unokukhubazeka
• ubulokhu uthola izinzuzo zokukhubazeka ezivela kwezokuphepha Komphakathi izinyanga ezingama-24 noma ngaphezulu
• unesifo esingelapheki njengesifo sesifo sokugcina (ESRD) noma i-amyotrophic lateral sclerosis (ALS)

Ngingabhalisa nini eMedicare North Dakota?

Uzoba namathuba amaningana okubhalisa kwi-Medicare noma ushintshe ukumbozwa kwakho. Kubalulekile ukuqaphela izinsuku ukuze ungaphuthelwa ithuba lokwenza noma yiziphi izinguquko ozidingayo.

Ukubhaliswa kokuqala (izinyanga eziyi-7 ezungeze usuku lwakho lokuzalwa lwama-65)

Ithuba lakho lokuqala lokubhalisa ezinhlelweni zeMedicare eNyakatho Dakota iwindi lezinyanga eziyi-7 ezungeze usuku lwakho lokuzalwa lwama-65. Ungaqala inqubo yokubhalisa izinyanga ze-3 ngaphambi kosuku lwakho lokuzalwa. Iyaqhubeka phakathi nenyanga yakho yokuzalwa kanye nezinyanga ezi-3 ngemuva kosuku lwakho lokuzalwa.

Lesi sikhathi sokuqala sokubhalisa singaqalwa ngokuzenzekelayo yi-Social Security Administration, kodwa kusazodingeka uthathe isinqumo sokuthi uyafuna yini ukubhalisela uhlelo lwezidakamizwa noma uhlelo lwe-Advantage.

Ukubhaliswa okujwayelekile (ngoJanuwari 1 kuya kuMashi 31) nokubhaliswa konyaka (ngo-Okthoba 15 kuya kuDisemba 7)

Ngemuva kokuthi ubhalise kwi-Medicare, uzoba namathuba amabili ngonyaka wokuhlaziya kabusha ukumbozwa kwakho kwamanje, wenze izinguquko ezinhlelweni zakho, ushintshele kuhlelo lwe-Advantage, noma ushiye uhlelo lwe-Advantage bese ubuyela ku-Medicare North Dakota yasekuqaleni.

Ngesikhathi sokubhaliswa okujwayelekile kusuka ngoJanuwari 1 kuya ku-Mashi 31 nesikhathi esivulekile sokubhalisa kusuka ngo-Okthoba 15 kuya kuDisemba 7, ungenza ushintsho ekusetshenzisweni kwakho. Qaphela ukuthi ukubhaliswa okuvulekile kwe-Medicare Advantage nakho kwenzeka kusukela ngoJanuwari 1 kuya ku-Mashi 31.

Ukubhaliswa okukhethekile

Ngabe usanda kuthuthela esifundeni esisha noma ushiye umsebenzi wakho? Ungenza ushintsho ekusetshenzisweni kwakho kwamanje noma ubhalise ezinhlelweni zeMedicare eNyakatho Dakota ngesikhathi sokubhalisa esikhethekile. Ezinye izimo ezizoholela esikhathini esikhethekile sokubhalisa zifaka:

• ukuphuma ebangeni lekhava yakho yamanje
• ukuthuthela esikhungweni sokunakekelwa kwesikhathi eside
• ukujoyina uhlelo lwe-All-inclusive Care for the Elderly (PACE)
• ukulahlekelwa ukunakekelwa kwezempilo okuxhaswe ngumqashi
• ukubhalisela ukunakekelwa kwezempilo okuxhaswe ngumqashi

Amathiphu wokubhalisa kwi-Medicare eNyakatho Dakota

Njengoba kunezinketho eziningi zokumboza - nezinhlelo zombili zikahulumeni nezangasese ongakhetha kuzo - kuzothatha isikhathi ukukala izinketho zakho, uqhathanise izinhlelo, futhi uthole eyodwa elinganisa izidingo zakho zokunakekelwa kwezempilo kanye nebhajethi yakho yamanje. Nazi ezinye izinyathelo ongazilandela:

1. Qala usesho lwakho usebenzisa ikhodi yakho ye-ZIP lapho ufuna izinhlelo zemithi kadokotela noma izinhlelo zeMedicare Advantage eNyakatho Dakota. Ngale ndlela, ngeke uchithe isikhathi sakho ufunda ukuphrinta okuhle kwamapulani anganikwanga ngisho esifundeni sakho.
2. Okulandelayo, shayela ihhovisi likadokotela wakho. Odokotela abaningi bazokwamukela ukufakwa kwangempela kwe-Medicare kodwa basebenze nabambalwa abahlinzeki bomshuwalense abazimele. Thola ukuthi iziphi izinkampani zenethiwekhi abazemukelayo.
3. Okwesithathu, yenza uhlu oluphelele lwayo yonke imishanguzo kadokotela kanye nemithi oyithenga. Uma ucabangela uhlelo lwe-Part C (Medicare Advantage) noma i-Part D, hlola lolu hlu ngokuhambisana nohlu lwemithi ehlanganiswe uhlelo ngalunye.
4. Okwamanje, kufanele ube nohlu olufushane lwezinhlelo ongakhetha kuzo. Thola ukuthi yimaphi amalungu ecebo ayecabanga ngohlelo ngalunye ngokuhlola isilinganiso salo senkanyezi. Kuhlelo lokulinganiswa kwezinkanyezi, amalungu alinganisela uhlelo lwawo esikalini sika-1 kuye ku-5, kuya ngokuthi beneliseke kangakanani ngonyaka odlule. Lolu hlelo luhlela izinhlelo ngokususelwa ekuphenduleni kohlelo, izikhalazo zamalungu, kanye nasekuhlinzekelweni kwamakhasimende, phakathi kwezinye izigaba. Hlela ukukhetha uhlelo olunesilinganiso sezinkanyezi ezingu-4 noma ngaphezulu, uma kungenzeka.

Izinsizakusebenza zeMedicare eNyakatho Dakota

Uma ungathanda ukufinyelela kuzinsizakusebenza ezingeziwe mayelana nezinhlelo ze-Medicare eNyakatho Dakota, ungaxhumana nezinhlangano zombuso wangakini nganoma yisiphi isikhathi. Lokhu okunye okufanele ukukhunjulwe:

• Uhlelo lwe-State Health Insurance Counselling (SHIC). Uhlelo lwe-SHIC luzokunikeza ukwelulekwa kwamahhala mayelana neMedicare noma enye inshuwalense yezempilo. Ungashayela i-SHIC ku-888-575-6611.
• UMnyango Wabadala kanye Nezinsizakalo Zokuguga. Xhumana nabadala kanye nezinsizakalo zokuguga (855-462-5465) ukuthola kabanzi ngokuphila okusizwayo, ukunakekelwa kwasekhaya nokunakekelwa kwesikhathi eside.
• INorth Dakota Senior Medicare Patrol. I-Medicare Patrol ithola futhi ivimbele ukukhwabanisa nokuhlukumeza kwe-Medicare ngokufinyelela, ukufundisa nokweluleka. Ungafinyelela eMedicare Patrol ngo-800-233-1737.

Yini okufanele ngiyenze ngokulandelayo?

Uma usondela eminyakeni engama-65 ubudala noma usuzothatha umhlalaphansi, qhathanisa izinhlelo zeMedicare eNyakatho Dakota ukuthola okuzohlangabezana nezidingo zakho zezempilo nezebhajethi. Khumbula uku:

• Nquma ngezinga lokutholakala kokunakekelwa kwezempilo ongathanda ukuba nakho. Ungakhetha phakathi kwe-Medicare yasekuqaleni, uhlelo lwezidakamizwa oluyingxenye ye-Part D, noma izinhlelo ze-Medicare Advantage eNyakatho Dakota ukuthola ukwaziswa okuphelele.
• Nciphisa phansi usesho lwakho usebenzisa izinyathelo ezingenhla bese unquma ngezinhlelo zakho eziphezulu.
• Xhumana ne-Medicare, othwala uhlelo, noma umeluleki we-SHIC wangakini ukuthola izeluleko ngezinhlelo noma ukuqala inqubo yokubhalisa uma uthathe isinqumo ngohlelo.

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.