Izinhlelo zeVirginia Medicare ngo-2021

-Delile

• Yini iMedicare?
• Yiziphi izinhlelo zeMedicare Advantage ezitholakala eVirginia?
• Ngubani ofanelekela i-Medicare eVirginia?
• Ngingabhalisa nini ezinhlelweni zeMedicare Virginia?
• Amathiphu wokubhalisa kwi-Medicare eVirginia
• Izinsiza zeVirginia Medicare
• Yini okufanele ngiyenze ngokulandelayo?

I-Medicare inikeza umshuwalense wezempilo kubantu abangaphezu kwezigidi ezingama-62 baseMelika, kufaka phakathi ama-Virginians ayi-1.5 million. Lolu hlelo lukahulumeni luhlanganisa labo abangaphezu kweminyaka engama-65 ubudala, nabantu abadala abasebancane abakhubazekile.

Kule ndatshana, sizohlola ukuthi iMedicare isebenza kanjani, ngubani ofanelekile, ukuthi ungabhalisa kanjani, namathiphu okuthenga izinhlelo zeMedicare eVirginia.

Yini iMedicare?

Uma uhlala eVirginia, ungakhetha phakathi kohlelo lokuqala lweMedicare kanye nohlelo lweMedicare Advantage. Zombili ziyiMedicare, kepha zinikeza izinzuzo zakho ngezindlela ezihlukile.

I-Original Medicare iphethwe nguhulumeni, kanti izinhlelo zeMedicare Advantage zithengiswa izinkampani zomshuwalense ezizimele.

I-Original Medicare inezingxenye ezimbili:

• Ingxenye A (umshuwalense wesibhedlela). Izinsizakalo ezihlinzekwa yiNgxenye A zibandakanya ukunakekelwa kweziguli ezingalaliswanga ezibhedlela nokunakekelwa kwezikhungo zabahlengikazi zesikhashana. Ingxenye A ixhaswa yizintela zikaMedare, ngakho-ke abantu abaningi abadingi ukukhokha imali ekhokhwa njalo ngenyanga.
• Ingxenye B (umshuwalense wezokwelapha). Ingxenye B ihlanganisa izinto ezifana nezinsizakalo zikadokotela, ukunakekelwa kweziguli, kanye nezinsizakalo zokuvimbela. Izindleko zeNgxenye B ziyahlukahluka kuye ngeholo lakho.

I-Original Medicare ayikhokhi amaphesenti ayi-100 ezindleko zensiza. Ngemuva kokuhlangana nokudonswa kwemali, kungadingeka ukuthi ukhokhe i-coinsurance noma ama-copayments. Uma ufuna usizo lokukhokhela lezi zindleko, ungathola umshuwalense wokwengeza we-Medicare, obizwa nangokuthi iMedigap. Lezi zinqubomgomo zidayiswa yizinkampani ezizimele.

EVirginia, ungabhalisela futhi ukutholakala kwezidakamizwa kadokotela. Lezi zinhlelo zaziwa ngeMedicare Part D, futhi zinikezwa izinkampani ezizimele. Uhlelo lwezidakamizwa lungakusiza ukuthi ukhokhele yomibili imishanguzo ejwayelekile kanye negama lomuthi.

Izinhlelo zeMedicare Advantage (Ingxenye C) ezinye izindlela ongakhetha kuzo eVirginia. Banikezela ngazo zonke izinsizakalo zeMedicare izingxenye A no-B, futhi kaningi iNgxenye D, ngecebo elilodwa elilula. Ngokuya ngecebo olikhethayo, bangahlanganisa izinzuzo ezengeziwe, njengokunakekelwa kwamazinyo, ukuzwa nokunakekelwa kombono. Ezinye izinhlelo zeMedicare Advantage zimboza ubulungu bejimu nezinye izinzuzo.

Yiziphi izinhlelo zeMedicare Advantage ezitholakala eVirginia?

Izinkampani eziningi zomshuwalense zinikela ngezinhlelo zeMedicare Advantage eVirginia, kufaka phakathi okulandelayo:

• Aetna
• I-Anthem Blue Cross Blue Shield
• Abahlabeleli Bezingoma
• Humana
• Impilo Yezokusungula
• UKaiser Permanente
• I-Optima
• UnitedHealthcare

Lezi zinkampani zinikela ngezinhlelo ezifundeni eziningi eVirginia. Kodwa-ke, iminikelo yohlelo lweMedicare Advantage iyahlukahluka ngesifunda, ngakho-ke faka ikhodi yakho ye-ZIP ethize lapho ufuna izinhlelo lapho uhlala khona.

Ngubani ofanelekela i-Medicare eVirginia?

Kunezindlela ezimbalwa ongafanelekela ngazo iMedicare eVirginia, kufaka phakathi:

• Uneminyaka engu-65 noma ngaphezulu. Uma uyisakhamuzi sase-U.S. Noma umhlali unomphela osekulelizwe okungenani iminyaka emihlanu, uzofaneleka lapho usufinyelela iminyaka engama-65.
• Ynoma uthola i-Social Security Disability Insurance (SSDI). Uma unokukhubazeka futhi uthola i-SSDI, uzofanelekela ukuthola iMedicare ngemuva kwesikhathi sokulinda seminyaka emibili.
• Unesifo sesifo sezinso sokugcina (ESRD) noma i-amyotrophic lateral sclerosis (ALS). Ufanelekele i-Medicare nganoma yisiphi isikhathi uma utholwe une-ESRD noma i-ALS.

Ngingabhalisa nini ezinhlelweni zeMedicare Virginia?

Ungabhaliswa ngokuzenzakalela ezingxenyeni ze-Medicare A no-B uma ukulesinye sezimo ezilandelayo:

• Umncane kuneminyaka yobudala engama-65 futhi unokukhubazeka. Uma usuthole izinzuzo zokukhubazeka Komphakathi izinyanga ezingama-24, uzothola iMedicare ngokuzenzakalela.
• Uneminyaka yobudala engama-65 futhi uthola Ukuphepha Komphakathi. Uma usuvele uthola izinzuzo zomhlalaphansi we-Social Security, ukumbozwa kwakho kwe-Medicare kuzoqala ngokuzenzakalela lapho uhlanganisa iminyaka engama-65 ubudala.

Uma ungeke uthole i-Medicare ngokuzenzakalela, ungabhalisa ngesikhathi esisodwa sokubhaliswa okulandelayo:

• Isikhathi sokubhalisa sokuqala. Lesi sikhathi sezinyanga eziyi-7 yithuba lakho lokuqala lokuthola iMedicare lapho uhlanganisa iminyaka engama-65 ubudala. Iqala ezinyangeni ezintathu ngaphambi kwenyanga yosuku lwakho lokuzalwa lwama-65 futhi iphele ezinyangeni ezi-3 ngemuva kwenyanga yakho yokuzalwa.
• Isikhathi Sokubhalisa Esivulekile seMedicare. Phakathi kuka-Okthoba 15 noDisemba 7 minyaka yonke, ungashintsha ukumbozwa kwakho kwe-Medicare. Ngalesi sikhathi, uvunyelwe ukubhalisela uhlelo lwe-Medicare Advantage.
• Isikhathi sokubhaliswa seMedicare Advantage. Kusukela ngoJanuwari 1 kuya ku-Mashi 31 njalo ngonyaka, ungashintshela kuhlelo oluhlukile lwe-Medicare Advantage.

Uma uhlangabezana nemicimbi ethile yempilo, ungafanelekela isikhathi esikhethekile sokubhalisa. Lokhu kusho ukuthi ungabhalisela iMedicare ngaphandle kwezikhathi zokubhaliswa zonyaka. Ungaba nesikhathi esikhethekile sokubhalisa uma ulahlekelwa uhlelo lwakho lwezempilo lomqashi, ngokwesibonelo.

Amathiphu wokubhalisa kwi-Medicare eVirginia

Lapho uthatha isinqumo phakathi kwe-Medicare yasekuqaleni neMedicare Advantage, nezingxenye ezahlukahlukene nezengezo, gcina lezi zinto engqondweni:

• Isilinganiso senkanyezi ye-CMS. I-Centers for Medicare & Medicaid Services (CMS) isebenzisa uhlelo lokulinganiswa kwekhwalithi yezinkanyezi ezinhlanu ukukusiza uqhathanise ikhwalithi yezinhlelo zeMedicare. Izinhlelo zilinganiswe ngezinto ezingaba ngu-45, kufaka phakathi ukusebenzisana nokunakekelwa kwamakhasimende.
• Inethiwekhi yodokotela. Uma ujoyina uhlelo lwe-Medicare Advantage, imvamisa udinga ukubona odokotela kunethiwekhi yohlelo. Uma unodokotela owuthandayo, thola ukuthi yiziphi izinhlelo ababamba iqhaza kuzo ngaphambi kokukhetha uhlelo lwakho.
• Hlela izindleko. Uma ubhalisela uhlelo lwe-Medicare Advantage, kungadingeka ukuthi ukhokhe imali ekhokhwa nyangazonke ngaphezulu kwe-Medicare part B premium. Ezinye izindleko okufanele zicatshangelwe zibandakanya ukudonswa kohlelo, ukubuyiselwa kwemali, kanye nama-copayments.
• Izinsizakalo ezihlanganisiwe. Izinhlelo zeMedicare Advantage zingahlanganisa izinsizakalo i-Medicare yangempela engazenzi, njengokunakekelwa kwamazinyo, ukuzwa, noma ukubona. Uma kunezinsizakalo ezithile owaziyo ukuthi uzodinga, qiniseka ukuthi uhlelo lwakho luyazemboza.

Izinsiza zeVirginia Medicare

I-Medicare wuhlelo oluyinkimbinkimbi, ngakho-ke unganqikazi ukubuza imibuzo. Ukuze ufunde kabanzi, ungaxhumana:

• Uhlelo Lokululekwa Komshuwalense Nokusizwa eVirginia: 800-552-3402
• Ukuphathwa Kwezokuphepha Komphakathi: 800-772-1213

Yini okufanele ngiyenze ngokulandelayo?

Uma usukulungele ukuqala ukuthenga uhlelo lwe-Medicare, unga:

• Xhumana ne-Social Security Administration ukuze ubhalisele i-Medicare. Ungakhetha ukufaka isicelo ku-inthanethi, mathupha, noma ngocingo.
• Vakashela i-Medicare.gov ukuthola izinhlelo ze-Medicare eVirginia.
• Xhumana nohlelo lwe-Virginia Insurance Counselling & Assistance uma udinga usizo ngokuqhathanisa izinketho ze-Medicare.

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.