Izicwangciso ze-Arkansas Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka e-Arkansas?
• Ngubani ofanelekileyo kwi-Medicare e-Arkansas?
• Ndingabhalisa nini kwizicwangciso ze-Medicare Arkansas?
• Iingcebiso zokubhalisa kwi-Medicare e-Arkansas
• Izixhobo ze-Arkansas Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

Unyango yi-U.S.Isicwangciso sikarhulumente seinshurensi yezempilo yabantu abadala abaneminyaka engama-65 nangaphezulu kunye nabantu abakhubazekileyo okanye iimeko zempilo. E-Arkansas, malunga nabantu abangama-645,000 bafumana ukhuseleko kwezempilo ngeMedicare.

Funda ukuze ufunde malunga ne-Medicare Arkansas, kubandakanya ukuba ngubani ofanelekileyo, indlela yokubhalisa, kunye nendlela yokukhetha elona cebo lilungileyo leMedare kwiimfuno zakho.

Yintoni amayeza?

Xa ubhalisela i-Medicare e-Arkansas, unokukhetha i-Medicare yoqobo okanye isicwangciso se-Medicare Advantage.

I-Medicare yoqobo yinkqubo yemveli eqhutywa ngurhulumente womanyano. Inkqubo inamacandelo amabini, kwaye ungabhalisela enye okanye zombini:

• Icandelo A (i-inshurensi yesibhedlele). Icandelo leMedicare A likunceda uhlawule ngokuhlala esibhedlele. Ikwaquka ukhathalelo lwe-hospice, ukhathalelo lwempilo lwasekhaya olunqongopheleyo, kunye nokunakekelwa kweziko lokonga kwezithuba zexeshana.
• Icandelo B (i-inshurensi yezonyango). Icandelo leMedicare B ligubungela uluhlu olubanzi lweenkonzo zokuthintela kunye nezonyango eziyimfuneko. Oku kubandakanya iimviwo zomzimba, iinkonzo zogqirha, kunye nokuhlolwa kwezempilo.

Iinkampani zabucala zibonelela ngenkxaso eyongezelelweyo kubantu abane-Medicare yoqobo. Unokukhetha ukubhalisela enye okanye zombini ezi nkqubo:

• Icandelo D (ukugubungela iziyobisi). Icandelo D liceba ukukunceda uhlawule amayeza amiselweyo. Abagubungeli amayeza e-counter.
• I-inshurensi yokuncedisa iMedare (iMedigap). Izicwangciso zeMedigap zigubungela ezinye okanye zonke i-Medicare yakho ye-coinsurance, ii-copayments kunye ne-deductibles. Ezi zicwangciso zimiselweyo zichongiwe ngoonobumba: A, B, C, D, F, G, K, L, M, no-N.

Uncedo lweMedicare (Icandelo C) luyindlela eyahlukileyo yokufumana ukhuselo lwakho lweMedare. Banikezelwa ziinkampani zabucala ezenza isivumelwano neMedicare. Izicwangciso ze-Medicare Advantage kufuneka zibandakanye zonke iinkonzo ze-Medicare A kunye ne-B. Ezi zicwangciso zixhaswa zinokubonelela ngezibonelelo ezininzi ezongezelelweyo, kubandakanya:

• wamazinyo, umbono, okanye ukhathalelo lokuva
• Ukukhutshwa kweziyobisi ngugqirha
• iinkqubo zempilo, ezinje ngokuba lilungu lokuzivocavoca
• ezinye izinto zempilo

Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka e-Arkansas?

Njengomhlali wase-Arkansas, uneendlela ezininzi zoNyango lweMedare. Kulo nyaka, unokufumana isicwangciso kwezi nkampani zilandelayo:

• I-Aetna Medicare
• Konke
• I-Arkansas Blue Medicare
• Cigna
• Uncedo lwezeMpilo
• Humana
• Ukhathalelo lwezeMpilo lweLasso
• Ukhathalelo lweZempilo
• Ukhathalelo

Ezi nkampani zibonelela ngezicwangciso kwiindawo ezininzi eArkansas. Nangona kunjalo, isibonelelo seMedicare seNzuzo siyahluka ngokommandla, ke ngenisa ikhowudi yakho ye-ZIP xa ukhangela izicwangciso apho uhlala khona.

Ngubani ofanelekileyo kwi-Medicare e-Arkansas?

Abantu abaninzi e-Arkansas banokulungela ukufumana i-Medicare xa beneminyaka engama-65. Uyakufaneleka xa uneminyaka engama-65 ukuba nje oku kulandelayo kuyinyani:

• sele ufumana izibonelelo zoKhuseleko loLuntu okanye ufanelekile
• ungummi okanye umhlali osisigxina eUnited States

Unokwazi ukufumana i-Medicare ngaphambi kokuzalwa kwakho kwama-65. Uvumelekile nakweyiphi na iminyaka ukuba:

• bafumene izibonelelo ze-Inshurensi yaBakhubazekileyo boKhuseleko lweNtlalo (SSDI) ubuncinci iinyanga ezingama-24
• Unesifo sezintso (ESRD)
• ndine-amyotrophic lateral sclerosis (ALS)

Ndingabhalisa nini kwizicwangciso ze-Medicare Arkansas?

Ukuba ufanelekile kwi-Medicare, kukho amaxesha amaninzi ngonyaka xa ungabhalisa kwizicwangciso ze-Medicare. Nanga amaxesha okubhalisa eMedare:

• Ubhaliso lokuqala. Ungabhalisa kumacandelo e-Medicare A kunye no-B ukusuka kwiinyanga ezintathu ngaphambi kweenyanga ezintathu emva kokuzalwa kwakho kwama-65.
• Ubhaliso lweMedigap. Ungabhalisa kumgaqo-nkqubo weMedigap oncedisayo ukuya kuthi ga kwiinyanga ezi-6 emva kokuba uneminyaka engama-65.
• Ubhaliso ngokubanzi. Ungabhalisa kwisicwangciso seMedicare okanye isicwangciso seMedicare seNzuzo rhoqo ngonyaka ukusuka ngoJanuwari 1 ukuya kuMatshi 31 ukuba awuzange ubhalise xa wawufanelekile okokuqala.
• Ubhaliso kwiCandelo D. Ungabhalisa kwisicwangciso seCandelo D minyaka le ukusuka ku-Epreli 1 ukuya kuJuni 30 ukuba awuzange ubhalise xa wawufanelekile okokuqala.
• Ubhaliso oluvulekileyo. Ungabhalisa, uphume, okanye utshintshe isicwangciso sakho seMedicare Part C okanye iSahlulo D unyaka ngamnye ukusukela ngo-Okthobha u-15 ukuya ku-Disemba 7, ngexesha lokubhalisa elivulekileyo.
• Ubhaliso olulodwa. Phantsi kweemeko ezizodwa, unokulungela ukubhaliswa kangangexesha leenyanga ezili-8.

Iingcebiso zokubhalisa kwi-Medicare e-Arkansas

Kukho izicwangciso ezininzi ze-Medicare Advantage e-Arkansas. Ukunciphisa ukhetho lwakho, gcina ezi zinto engqondweni:

• Iimfuno zokufunda. Izicwangciso ezininzi ze-Medicare Advantage zibonelela nge-inshurensi yokuba i-Medicare yoqobo ayenzi, njengamazinyo, umbono, kunye nokugubungela ukuva. Yenza uluhlu lwezibonelelo ozifunayo, kwaye ulubhekise kulo xa uthelekisa izicwangciso.
• Cwangcisa ukusebenza. Unyaka ngamnye, amaZiko eMedare kunye neeNkonzo zeMedicaid (CMS) apapasha idatha yokusebenza kwizicwangciso zeMedare. Izicwangciso zilinganisiwe ukusuka kwenye ukuya kwi-5 yeenkwenkwezi, kwaye ezi-5 zezona zibalaseleyo.
• Iindleko eziphuma epokothweni. Iipremiyamu, iimali ezixhuzuliweyo, iintlawulo ezikhutshelweyo kunye noqinisekiso lwemali ziya kuchaphazela ukuba uhlawula malini ukhuseleko lwakho. Unokusebenzisa isixhobo sokufumana isicwangciso seMedicare ukuthelekisa iindleko zezicwangciso ezithile zeMedicare.
• Inethiwekhi yomboneleli. Ukusebenzisa i-Medicare Advantage coverage, unokufuna ukhathalelo koogqirha, iingcali kunye nezibhedlele kuthungelwano lwesicwangciso. Ngaphambi kokukhetha isicwangciso, qinisekisa ukuba oogqirha bakho bakwinethiwekhi.
• Ukuhamba kweendawo zokuhamba. Izicwangciso ze-Medicare Advantage azihlali zigubungela ukhathalelo olufumanayo ngaphandle kwendawo yesicwangciso senkonzo. Ukuba ungumhambi rhoqo, qiniseka ukuba isicwangciso sakho siya kukugubungela ngelixa ungekho ekhaya.

Izixhobo ze-Arkansas Medicare

Ukuba unemibuzo malunga nezicwangciso ze-Medicare e-Arkansas, ungaqhagamshelana:

• Ulawulo loKhuseleko loLuntu (800-772-1213)
• Inkqubo yoNcedo lwe-Inshurensi yezeMpilo yase-Arkansas (SHIIP) (501-371-2782)

Ndifanele ndenze ntoni ngokulandelayo?

Xa ulungele ukubhalisa kwisicwangciso seMedare, unga:

• Bhalisela iinxalenye zeMedicare A kunye no-B kuLawulo loKhuseleko loLuntu. Unokukhetha ukubhalisa kwi-Intanethi, buqu, okanye ngomnxeba.
• Sebenzisa isifumanisi sesicwangciso seMedicare ukuya kuthenga izicwangciso zeMedicare Advantage eArkansas. Esi sixhobo sinceda uthelekise izibonelelo kunye neendleko zesicwangciso ngasinye.

Eli nqaku lahlaziywa ngo-Novemba 10, 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.