Izinhlelo zeVermont Medicare ngo-2021

-Delile

• Yini iMedicare?
• Yiziphi izinhlelo zeMedicare Advantage ezitholakala eVermont?
• Ngubani ofanelekela i-Medicare eVermont?
• Ngingabhalisa nini kuzinhlelo zeMedicare Vermont?
• Amathiphu wokubhalisa kwi-Medicare eVermont
• Izinsizakusebenza zeVermont Medicare
• Yini okufanele ngiyenze ngokulandelayo?

Uma uhlala eVermont futhi ufanelekile ukubhalisa kwi-Medicare, noma uma kungekudala uzokwazi ukufaneleka, ukuthatha isikhathi ukuqonda ngokugcwele izinketho zakho zokumboza kungakusiza ukuthi ukhethe ukumbozwa okuhle kwezidingo zakho.

I-Medicare wuhlelo lomshuwalense wezempilo oluxhaswe nguhulumeni kubantu abaneminyaka engama-65 noma ngaphezulu nalabo abanokukhubazeka okuthile.Kunezinto zeMedicare ongazithola ngqo kuhulumeni kanye nezingxenye ongazithenga ezinkampanini zomshuwalense ezizimele ukwengeza noma ukufaka okunye lokho okuhlanganisiwe.

Funda ukuze ufunde kabanzi nge-Medicare nezinketho zakho zokuhlanganisa.

Yini iMedicare?

I-Medicare yakhiwe izingxenye ezahlukahlukene. Izingxenye A no-B yizingxenye ongazithola kuhulumeni. Ngokubambisana, bakha okwaziwa ngokuthi yi-Medicare yasekuqaleni:

• Ingxenye A ngumshwalense wesibhedlela. Kuyasiza ukukhokha izindleko zokunakekelwa kweziguli okwelashwa esibhedlela, ukunakekelwa kwe-hospice, ukunakekelwa okulinganiselwe esikhungweni sabahlengikazi abanamakhono, nakwezinye izinsizakalo zezempilo zasekhaya ezinomkhawulo.
• Ingxenye B isiza ukukhokhela ukunakekelwa kwezempilo kweziguli, njengamasevisi nempahla oyitholayo lapho uya ehhovisi likadokotela, kufaka phakathi ukunakekelwa kokuvikela.

Uma wena noma oshade naye nisebenze okungenani iminyaka eyi-10, kungenzeka ungadingi ukukhokha imali ekhokhelwa ingxenye A. Lokhu kungenxa yokuthi kungenzeka ukuthi usuyikhokhile ngentela yamaholo. Iphrimiyamu oyikhokhela ingxenye B incike ezintweni ezifana neholo lakho.

I-Original Medicare ikhokhela okuningi, kepha kukhona izikhala ekusetshenzisweni. Kusamele ukhokhe izindleko zokuphuma ephaketheni lapho uya esibhedlela noma uyobona udokotela. Futhi akukho ukumbozwa nhlobo ezintweni ezifana namazinyo, umbono, ukunakekelwa kwesikhathi eside, noma imishanguzo kadokotela. Uma udinga ukumbozwa okwengeziwe, ungathenga amasu kubanikezeli bomshuwalense abazimele abangathuthukisa kakhulu ukufakwa kwakho.

Izinhlelo zokwengeza ze-Medicare yizinhlelo ongazithenga ukusiza ukumboza izikhala ekusetshenzisweni. Lezi kwesinye isikhathi zibizwa ngokuthi izinhlelo zeMedigap. Bangasiza ekunciphiseni izindleko zama-copays kanye ne-coinsurance, futhi bangahlinzeka ngokumbozwa kwamazinyo, umbono, noma izinsizakalo zokunakekelwa kwesikhathi eside.

Ingxenye D ihlela ngqo ukusiza ukukhokha izindleko zemithi kadokotela.

Izinhlelo zeMedicare Advantage (Ingxenye C) zinikela ngenye indlela “yoku-in-one” yokuthola izingxenye A no-B kuhulumeni, kanye nokufakwa okungeziwe ngabanikezeli bomshuwalense abazimele.

Izinhlelo zeMedicare Advantage zithatha indawo ephelele yeMedicare yangempela. Umthetho we-Federal udinga ukuthi bahlanganise zonke izinsizakalo ezifanayo ne-Medicare yasekuqaleni. Futhi zinokumbozwa okungeziwe, njengokuthi yini ongayithola kusuka kuma-supplements naku-Part D plans, akhelwe ezinhlelweni ezahlukahlukene. Izinhlelo zeMedicare Advantage zihlala zinikela ngokungeziwe njengezinhlelo zezempilo nezempilo, kanye nezaphulelo zamalungu.

Yiziphi izinhlelo zeMedicare Advantage ezitholakala eVermont?

Uma uhlelo lweMedicare Advantage lubonakala sengathi lungakulungela kahle, izinkampani zomshuwalense ezizimele ezilandelayo zinikeza lezi zinhlelo eVermont:

• Ukunakekelwa Kwezempilo kwe-MVP
• UnitedHealthcare
• IVermont Blue Advantage
• I-WellCare

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

Ngubani ofanelekela i-Medicare eVermont?

Uvumelekile ukubhalisa uma:

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

Ngingabhalisa nini kuzinhlelo zeMedicare Vermont?

Uma ukufaneleka kwakho kwe-Medicare kuncike eminyakeni yobudala, isikhathi sakho sokuqala sokubhalisa siqala izinyanga ezintathu ngaphambi kokuba ube neminyaka engama-65 futhi uqhubeke izinyanga ezintathu ngemuva kwalokho. Ngalesi sikhathi, kunengqondo ukubhalisa okungenani Ingxenye A.

Uma wena noma oshade naye uqhubeka nokufanelekela ukutholakala kwezempilo okuxhaswe ngumqashi, ungakhetha ukukugcina lokho kufakwa futhi ungabhalisi ku-Part B noma kunoma yikuphi ukufakwa kokuxhaswa kwe-Medicare okwamanje. Uma kunjalo, uzofanelekela isikhathi sokubhalisa esikhethekile ngokuhamba kwesikhathi.

Kukhona nesikhathi sokubhalisa esivulekile njalo ngonyaka, lapho ungabhalisa okokuqala noma ushintshe izinhlelo. Isikhathi sokubhaliswa saminyaka yonke seMedicare yangempela ngu-Okthoba 1 kuya kuDisemba 7, kanti isikhathi sokubhalisa esivulekile sezinhlelo zeMedicare Advantage nguJanuwari 1 kuya kuMashi 31.

Amathiphu wokubhalisa kwi-Medicare eVermont

Uma kukhulunywa ngokubhalisa ezinhlelweni zeMedicare eVermont, uzofuna ukucubungula ngokucophelela izinto eziningi ezifanayo ongazibuza uma ubhalisa kunoma yiluphi uhlelo lwezempilo:

• Yini isakhiwo sezindleko? Amaphrimiyamu aphezulu kangakanani? Futhi siyini isabelo sakho sezindleko lapho ubona udokotela noma ugcwalisa incwadi kadokotela?
  • Luhlobo luni lwecebo? Izinhlelo zeMedicare Advantage ziyadingeka ukumboza zonke izinzuzo ezifanayo neMedicare yasekuqaleni kepha zinokuguquguquka ekwakhiweni kohlelo. Amanye amacebo angaba ngamacebo we-Health Maintenance Organisation (HMO) adinga ukuthi ukhethe umhlinzeki wokunakekelwa okuyinhloko futhi uthole ukuhanjiswa kokunakekelwa okukhethekile. Abanye bangaba yizinhlelo ze-Preferred Provider Organisation (PPO) ezikunikeza ukufinyelela kochwepheshe benethiwekhi ngaphandle kokudluliselwa.
• Ingabe inethiwekhi yomhlinzeki ihlangabezana nezidingo zakho? Ngabe ihlanganisa odokotela nezibhedlela ezilungele wena? Kuthiwani ngabahlinzeki bokunakekela osuvele unobudlelwano nabo futhi ungahle ufune ukubona ukunakekelwa?

Izinsizakusebenza zeVermont Medicare

Izinsizakusebenza ezilandelayo zingasiza uma ungathanda ukufunda kabanzi ngezinketho zakho ze-Medicare eVermont:

• ICentral Vermont Council ngokuguga. Shayela i-Senior HelpLine ku-800-642-5119 ngemibuzo noma ukuthola usizo ekubhaliseni ezinhlelweni zeMedicare eVermont.
• I-Medicare.gov
• Ukuphathwa Kwezokuphepha Komphakathi

Yini okufanele ngiyenze ngokulandelayo?

Uma usukulungele ukuqhubekela phambili ngokubhalisela i-Medicare eVermont, cabanga ngalezi zinyathelo:

• Yenza olunye ucwaningo ngezinketho zakho zohlelo ngalunye. Uhlu olungenhla luyindawo enhle yokuqala ukucwaninga ngezinhlelo zeMedicare eVermont. Ungashayela futhi i-Vermont Council ku-Aging's Senior Helpline ku-800-624-5119 ngokubonisana ngawodwana kuzinketho zakho zohlelo lweMedicare.
• Ungacabanga ukusebenza nomenzeli onobuchwepheshe bokuthengisa izinhlelo zeMedicare eVermont futhi angakweluleka ngezinketho zakho ezithile zokuhlanganisa.
• Uma njengamanje usesikhathini sokubhalisa, gcwalisa uhlelo lwe-inthanethi lwe-Medicare kuwebhusayithi ye-Social Security Administration. Uhlelo lokusebenza luthatha okungenani imizuzu eyi-10 futhi aludingi ukuthi imibhalo igcwaliswe.

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 ayisebenzisi ibhizinisi lomshuwalense nganoma iyiphi indlela futhi ayinamalayisensi njengenkampani yomshuwalense noma umkhiqizi kunoma iyiphi indawo yase-U.S. I-Healthline ayincomi noma ivumele noma yiziphi izinkampani zangaphandle ezingase zenze ibhizinisi lomshwalense.