Yimalini indleko zecandelo leMedare C ngo-2021?

Umxholo

• Yintoni iCandelo leMedicare C?
• Iingcebiso malunga nendlela yokukhetha isicwangciso
• Izinto ezichaphazela amaxabiso akho e-Medicare Part C
• Iintlawulo zanyanga le
• Ukutsalwa
• Iikopi kunye noqinisekiso lwemali
• Uhlobo lwesicwangciso
• Indlela yokuphila
• Ingeniso
• Ukuphuma epokothweni max
• Ukulawula iindleko zeCandelo C
• Ixabisa ntoni indleko zeCandelo leMedare?
• Ngaba uncedo lwamayeza lubiza kakhulu kunonyango lwantlandlolo?
• Ndiyihlawula njani iBill C yam?
• Uncedo lokuhlawula iMedicare
• Ukuthatha

• I-Medicare Icandelo C yenye yeendlela ezininzi zeMedare.
• Izicwangciso zeCandelo C zigubungela oko kugutyungelweyo nguMedicare, kwaye uninzi lwezicwangciso zeCandelo C zibonelela ngokugubungela izinto ezinjengamazinyo, umbono nokuva.
• Icandelo C lilawulwa ziinkampani zeinshurensi zabucala kunye neendleko okanye ezibekwe zezo nkampani.
• Izicwangciso zeCandelo C ezikhoyo kuwe zisekwe kwikhowudi yakho ye-ZIP.
• Unokukhangela iwebhusayithi ye-Medicare ukuze ubone ukuba zeziphi izicwangciso ze-ore ezinikezelwa kwindawo yakho.

I-Medicare yoqobo kunye ne-Medicare Icandelo C ziindlela ezahlukeneyo ze-inshurensi ezineendleko ezahlukeneyo.

Imiba eliqela ichonga iindleko zeCandelo leMedare C, ezinje ngee-premiums, iimali ezixhuzulwayo, iimali ezihlawulwayo, kunye noqinisekiso lwemali. Ezi zixa zinokuvela kwi-0 yeedola ukuya kumakhulu eedola kwiipremiyamu zanyanga zonke kunye nokuncitshiswa konyaka.

Kweli nqaku, siza kuphonononga iindleko zeCandelo leMedare, izinto ezinegalelo kuzo, kwaye sithelekise iindleko zesicwangciso ezimbalwa ezivela eUnited States.

Yintoni iCandelo leMedicare C?

Uncedo lweMedicare (Icandelo C) yenye indlela yonyango lokuqala olunikezelwa ziinkampani zeinshurensi zabucala.

Ukuba sele ufumene i-Medicare yoqobo kodwa ufuna ukongezwa okongezelelekileyo kumachiza amiselweyo kunye nezinye iinkonzo, i-Medicare Icandelo C kunokuba yinto elungileyo kuwe.

Uninzi lwezicwangciso zeCandelo leMedicare C, ugutyungelwe:

• Ukufakwa esibhedlele (Icandelo A). Oku kubandakanya iinkonzo zesibhedlele, ukhathalelo lwempilo lwasekhaya, ukhathalelo lwamaziko onesi, kunye nokunyamekela abaguli
• Ukukhutshwa kwezonyango (Icandelo B). Oku kubandakanya ukuthintela, ukufumanisa isifo, kunye notyelelo olunxulumene nokhathalelo lwempilo.
• Ukugqunywa ngamachiza amiselweyo (Icandelo D). Oku kubandakanya iindleko zonyango zenyanga nenyanga.
• Amazinyo, umbono, kunye nokugubungela ukuva. Oku kugubungela ukuvavanywa minyaka le kunye nezixhobo zoncedo eziyimfuneko.
• Izinto ezongeziweyo. Ezinye izicwangciso zigubungela izinto zononophelo lwempilo, ezinje ngobulungu bokuzivocavoca kunye nokuhamba ukuya kwiindawo zokuya kugqirha.

Xa ukhetha isicwangciso seMedicare Part C, kukho iindlela ezahlukeneyo onokukhetha kuzo. Olu khetho lwesicwangciso lubandakanya:

• Imibutho yoLondolozo lwezeMpilo (HMOs)
• Imibutho yababoneleli abakhethiweyo (ii-PPOs)
• Intlawulo yabucala yeNkonzo (PFFS)
• Izicwangciso zemfuno ezizodwa (SNPs)
• Iiakhawunti zoLondolozo lweMedicare (MSAs)

Nganye kwezi zicwangciso zibonelela ngezibonelelo ezahlukeneyo kuxhomekeke kwimeko yakho yonyango.

Iingcebiso malunga nendlela yokukhetha isicwangciso

Zininzi izinto ekufuneka ziqwalaselwe xa ukhetha isicwangciso seMedicare Advantage. Cinga ngeemfuno zakho zokhathalelo lwempilo, ungafikelela phi, uhlobo lweinshurensi onayo ngoku, kunye nendlela ehlangabezana ngayo neemfuno zakho.

Unokusebenzisa i-Medicare's ukufumana isixhobo sesicwangciso ukuthelekisa izicwangciso zokuqinisekisa ukuba isicwangciso osikhethayo sigubungela into oyifunayo.

Izinto ezichaphazela amaxabiso akho e-Medicare Part C

Uninzi lweendleko zakho zeCandelo leMedare C ziya kuxhomekeka kwisicwangciso osikhethayo. Nangona kunjalo, indlela ophila ngayo kunye nemeko yezemali inokuba nefuthe kwiindleko zakho.

Nazi ezinye zezona zinto zixhaphakileyo ezichaphazela into oza kuyibhatala ngesicwangciso seMedicare Part C.

Iintlawulo zanyanga le

Ezinye izicwangciso ze-Medicare Part C "zikhululekile," oku kuthetha ukuba abanayo i-premium yenyanga. Ngaphandle kwesicwangciso se-Medicare Advantage zero-premium, usenokuba ne-premium ye-Part B.

Ukutsalwa

Uninzi lwezicwangciso zeCandelo leMedare C linazo zombini izicwangciso ezinokutsalwa kunye neziyobisi ezinokutsalwa. Uninzi (kodwa ayizizo zonke) izicwangciso zasimahla zeMedicare Advantage zibonelela ngesicwangciso se- $ 0.

Iikopi kunye noqinisekiso lwemali

Iikopi ziyimali oya kuyityala kutyelelo lonke lukagqirha okanye kugcwaliso lwamayeza amiselweyo. Izixa-mali zeinshorensi yiyo nayiphi na ipesenti yeenkonzo ekufuneka uzihlawule epokothweni emva kokuba kutsaliwe i-deduct.

Ukuba isicwangciso sakho sihlawulisa ukuhlawulwa kwemali kwiofisi kagqirha kunye notyelelo lwengcali, ezi ndleko zinokongeza ngokukhawuleza kubantu abaneemeko zempilo ezingapheliyo abatyelela iiofisi rhoqo.

Uhlobo lwesicwangciso

Uhlobo lwesicwangciso osikhethileyo lunokuba nefuthe kwindlela isicwangciso sakho seMedicare Part C esinokubiza ngayo. Umzekelo, ukuba ukwisicwangciso se-HMO okanye se-PPO kodwa ukhethe ukutyelela umboneleli ongaphandle kwenethiwekhi, oku kunokunyusa iindleko zakho.

Indlela yokuphila

Ngelixa i-Medicare yoqobo igubungela iinkonzo kwilizwe liphela, uninzi lwezicwangciso ze-Medicare Advantage zihlala kwindawo. Oku kuthetha ukuba ukuba uhamba rhoqo, unokuzifumanisa unamathele kwiimali zonyango ezingaphandle kwedolophu.

Ingeniso

Ingeniso yakho yonyaka yonke inokubangela ukuba ubhatale malini kwiindleko zakho zeCandelo leMedicare C. Kubantu abanentswelo yengeniso okanye izixhobo, kukho iinkqubo ezinokukunceda ukunciphisa iindleko zakho zeMedare.

Ukuphuma epokothweni max

Olunye uncedo lweCandelo leMedicare C kukuba zonke izicwangciso zeMedare eziNcedo zinokuphuma epokothweni. Eli xabiso liyahluka kodwa linokuhla ukusuka kumawaka asezantsi ukuya phezulu kwi- $ 10,000-plus.

Ukulawula iindleko zeCandelo C

Enye yezinto zokuqala onokuzenza ukulawula iindleko zakho zeCandelo le-Medicare kukufunda ezi zaziso zilandelayo zonyaka kwisicwangciso sakho:

• Ubu bungqina boKhuseleko (EOC)
• Isaziso soNyaka soTshintsho (i-ANOC)

Ezi zaziso zinokukunceda ubone ukuba zeziphi iindleko oza kuzihlawula epokothweni ngesicwangciso sakho, kunye nalo naluphi na utshintsho lwamaxabiso oluza kuqala ukusebenza kunyaka olandelayo.

Ixabisa ntoni indleko zeCandelo leMedare?

Kukho iindleko ezahlukeneyo ezinxulunyaniswa nezicwangciso zeMedicare Part C. Ezi ndleko zibandakanya:

• Ipremiyamu yenyanga yesicwangciso seCandelo C
• Icandelo le-B yiprimiyamu
• kuthungelwano olwenziweyo
• Ukutsalwa kweziyobisi
• ikopi
• Uqinisekiso

Iindleko zakho zinokubonakala zahlukile ngokuxhomekeke kukhuseleko lwakho, uhlobo lwesicwangciso, nokuba ufumana naluphi na uncedo olongezelelekileyo lwezezimali.

Apha ngezantsi kukho isampulu encinci yeendleko zesicwangciso se-Medicare Part C ezivela kubanikezeli abakhulu beinshurensi kwizixeko ezijikeleze iUnited States:

Uqikelelo olungentla lolwama-2021 kwaye ziyisampulu kuphela kwiindlela ezininzi onokukhetha kuzo kwindawo nganye.

Uqikelelo lwe-Medicare Part C lweendleko ezisekwe kwimeko yakho yokhathalelo lwempilo, ndwendwela esi sixhobo sokufumana isicwangciso se-Medicare.gov kwaye ufake ikhowudi yakho ye-ZIP ukuthelekisa izicwangciso ezikufutshane nawe.

Ngaba uncedo lwamayeza lubiza kakhulu kunonyango lwantlandlolo?

Ngelixa kubonakala ngathi iiplani zeMedicare Advantage zibiza ngaphezulu kuneMedicare yoqobo, zinokukunceda ukugcina iindleko zonyango.

Olunye kutshanje lufumanise ukuba iindleko zogqirha bezisezantsi kubantu ababhalise kwizicwangciso zeMedicare Advantage. Ukongeza, izibonelelo zeMedicare Advantage zigcine imali eninzi kwizinto ezinje ngezixhobo zonyango kunye novavanyo lwelebhu.

Ndiyihlawula njani iBill C yam?

Uninzi lweenkampani ezibonelela ngezicwangciso ze-Medicare Part C zineendlela ezahlukeneyo zokuhlawula ipremiyamu yakho. Olu khetho lubandakanya:

• intlawulo yetyala kwi-Intanethi
• ngokuzenzekelayo rhoxisa kwiakhawunti yakho yebhanki
• Ukurhoxa ngokuzenzekelayo kwiNtlalontle yoKhuseleko lwezeNtlalontle okanye kwibhodi yomhlala phantsi yoLoliwe
• itsheki okanye iodolo yemali

Uncedo lokuhlawula iMedicare

Ukuba unengxaki yokuhlawula iindleko zakho zeCandelo leMedare, kukho izixhobo ezinokukunceda:

• 

  Ukuthatha

  • I-Medicare Icandelo C lukhetho olukhulu lokufumana abaxhamli be-Medicare abafuna ukongeza ukhuseleko.
  • Iindleko zakho zeCandelo leMedare C ziya kubandakanya iipremiyamu, iimali ezikhutshiweyo, iikopi kunye nokuqinisekiswa kwemali.
  • Iindleko zakho ziya kugqitywa ngokusekwe kuhlobo lwesicwangciso sakho, ukuba ufuna kangaphi iinkonzo zonyango, kwaye luhlobo luni loogqirha olibonayo.
  • Ukuba uneminyaka engama-65 okanye ngaphezulu okanye ukhubazekile, unelungelo lokufaka isicelo seMedicare.
  • Ndwendwela iwebhusayithi yoLawulo loKhuseleko loLuntu ngolwazi oluthe kratya malunga nendlela yokufaka kunye nokubhalisa.

  Eli nqaku lahlaziywa ngo-Novemba 20, 2020 ukubonisa ulwazi lwango-2021 lonyango.

  

  Ulwazi olukule webhusayithi lunokukunceda ekwenzeni izigqibo malunga neinshurensi, kodwa ayenzelwanga ukunika iingcebiso malunga nokuthengwa okanye ukusetyenziswa kwayo nayiphi na i-inshurensi okanye iimveliso zeinshurensi. I-Healthline Media ayihambelani neshishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline Media ayikhuthazi okanye ixhase nabani na onokuthi enze ishishini leinshurensi.