Izicwangciso zeColorado Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Izicwangciso zeCandelo D
• Izicwangciso zonyango zeMedare
• Zeziphi izicwangciso eziluncedo zeMedicare ezikhoyo eColorado?
• Ngubani ofanelekileyo kwizicwangciso ze-Medicare Advantage eColorado?
• Ndingabhalisa nini kwi-Medicare Advantage plan eColorado?
• Iingcebiso zokubhalisa kwi-Medicare eColorado
• Izibonelelo zeColorado Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

Ngaba uthengela isicwangciso seMedicare eColorado? Kukho iintlobo zezicwangciso ezikhoyo ukuhambelana nazo zonke iimfuno.Phanda ukhetho lwakho ngaphambi kokuba ukhethe isicwangciso, kwaye ufumane yonke into oyifunayo malunga nezicwangciso zeMedicare eColorado.

Yintoni amayeza?

I-Medicare yoqobo (Icandelo A kunye neCandelo B) ligubungela ukhathalelo lasesibhedlele nakwezonyango ngokubanzi. Ukuba uneminyaka engama-65 okanye ngaphezulu, le nkqubo i-inshurensi yezempilo exhaswa ngurhulumente iya kukunceda ekuhlawuleni iindleko zakho zempilo. Unokufanelekela ukufumana i-Medicare ukuba ungaphantsi kweminyaka engama-65 kwaye unokukhubazeka okanye imeko engapheliyo.

Umyinge ophantsi kweMedicare wokuqala ubandakanya:

• Ukuhlala esibhedlele
• Unonophelo lwehosisi
• ukuqeshwa kukagqirha
• izitofu kunye nokhathalelo lokuthintela
• Iinkonzo zeenqwelo zezigulana

Izicwangciso zeCandelo D

Icandelo leMedicare D ligubungela imigqaliselo kunye namayeza. Ungabhalisa kwisicwangciso seCandelo D kunye namacandelo A kunye no-B ukongeza le nkcazo.

Izicwangciso zonyango zeMedare

Uncedo lweMedicare (Icandelo C) lubonelela ngenkxaso ebanzi ngeenkampani zabucala zeinshurensi yezempilo.

Isicwangciso se-Medicare Advantage sigubungela zonke iziseko ezifana nezibhedlele kunye neendleko zonyango, kwaye uninzi lwezicwangciso zikwabonelela ngogonyo lweziyobisi. Unokufumana ukhuselo olongezelelekileyo ngombono, wamazinyo, weendlebe, weenkqubo zempilo, okanye zokuhamba ukuya kwiindawo zokuqeshwa.

Iiprimiyamu zesicwangciso seMedicare Advantage zihlala zingaphezulu kwento obuya kuyihlawulela iMedicare yoqobo, kodwa ngokuxhomekeke kwiimfuno zakho zempilo, ezi zicwangciso zinokukunceda ugcine kwiindleko ezingaphandle kweepokotho ekuhambeni kwexesha.

Zeziphi izicwangciso eziluncedo zeMedicare ezikhoyo eColorado?

Idolophu nganye eColorado ineendlela ezizodwa zokukhetha isicwangciso seMedare, ngamanqanaba ahlukeneyo, iindlela zokugubungela kunye nabanikezeli benethiwekhi. Aba baphathi balandelayo banikezela uluhlu lweziCwangciso zeNzuzo kubahlali baseColorado.

• I-Aetna Medicare
• Umhobe iBlue Cross kunye neBlue Shield
• Impilo eqaqambileyo
• Cigna
• Cacisa iMpilo yeNtwasahlobo
• Isicwangciso seMpilo yeDenver, Inc.
• IziCwangciso zezeMpilo ngoLwesihlanu
• Humana
• UKaiser Permanente
• Ukhathalelo lweZempilo

Abathwali bayahluka ngokwasekhaya, ke qiniseka ukuba ukhetha isicwangciso esifumaneka kwindawo yakho.

Ngubani ofanelekileyo kwizicwangciso ze-Medicare Advantage eColorado?

Ukufaneleka kwe-Medicare Advantage, kuyakufuneka ube neminyaka engama-65 okanye nangaphezulu kwaye uhlangane nezi nqobo zilandelayo:

• ubhalise kwi-Medicare yoqobo, nokuba yiCandelo A okanye B (ukuba uqokelela iBhodi yoMhlala-phantsi yoLoliwe okanye izibonelelo zoKhuseleko lweNtlalo, uya kubhaliswa ngokuzenzekelayo kwi-Medicare yoqobo)
• ube ngummi wase-U.S. okanye umhlali osisigxina
• bahlawule irhafu yokuhlawula i-Medicare ngelixa besebenza ubuncinci iminyaka eyi-10

Unokufumana isiqinisekiso sokuba ungaphantsi kweminyaka engama-65 kwaye unesiphene okanye imeko engapheliyo njengesifo se-renal (ESRD) okanye i-amyotrophic lateral sclerosis (ALS).

Ndingabhalisa nini kwi-Medicare Advantage plan eColorado?

Kukho amaxesha amaninzi xa ungabhalisa kwisicwangciso seMedicare Advantage eColorado.

Uya kuba nakho ukufaka isicelo ngexesha lokubhalisa kwakho kokuqala (i-IEP) ukuqala kwiinyanga ezi-3 ngaphambi kwenyanga yakho yokuzalwa engama-65 kunye nokuphela kweenyanga ezi-3 emva kwenyanga yakho yokuzalwa.

Unokufumana isiqinisekiso sokubhaliswa okhethekileyo ukuba awusenayo i-inshurensi emsebenzini okanye ukhubazekile.

Emva kwe-IEP, ungabhalisa kwisicwangciso se-Medicare Advantage okanye utshintshe phakathi kwabanikezeli ngexesha lokubhaliswa kwe-Medicare Advantage ukususela ngoJanuwari 1 ukuya ku-Matshi 31. Ungabhalisa kwisicwangciso okanye utshintshe i-coverage yakho ngexesha lokubhaliswa konyaka kwe-Medicare ukususela ngo-Oktobha 15. ukuya kuDisemba 7.

Ngaphambi kokuba ubhalise kwisicwangciso seMedicare Advantage, kuya kufuneka kuqala ubhalise kwiMedicare yoqobo.

Iingcebiso zokubhalisa kwi-Medicare eColorado

Ngaphambi kokuba ubhalise kwisicwangciso seMedicare, cinga ngononophelo malunga nokuba loluphi uhlobo lokugubungela olifunayo.

Xa uthenga isicwangciso esifanelekileyo kuwe, funda uphononongo lwezithuthi ezininzi, kwaye uhlalutye iindleko. Thelekisa izicwangciso ngokujonga ezitsalwayo, ukugubungela iziyobisi okanye iikopi, kunye nepremiyamu yesicwangciso.

Zibuze le mibuzo:

• Zingakanani iipremiyamu zam zangoku, ezitsalwayo, kunye nezinye iindleko zokhathalelo lwempilo, kwaye ngaba ndinalo ukhuseleko endilifunayo?
• Ngaba ndonwabile ngogqirha wam wangoku, okanye ndingakulungela ukutshintshela kugqirha wenethiwekhi? Njengengxenye yophando lwakho, tsalela iofisi kagqirha wakho ukubuza ukuba zeziphi izicwangciso abazamkelayo. Khangela isicwangciso esiza kugubungela ukuqeshwa kukagqirha okanye ukukhangela ugqirha wenethiwekhi.
• Ndibhatala malini epokothweni ngonyaka kunyango lwamayeza? Ukuba uthatha amayeza rhoqo, isicwangciso sokuyalela okanye isicwangciso seNzuzo sinokukugcinela imali.
• Ngaba ikhona ikhemesti ebhetele kufutshane? Ukutshintsha ikhemesti yakho kunokunceda ukuthoba iindleko zamayeza. Ikhemesti ekoneni ilungile, kodwa ikhemesti kuyo yonke idolophu inokubonelela ngokugquma okungcono, kwaye ikongele imali kwimigqaliselo yakho yenyanga nganye.

Unokujonga kwakhona umgangatho wesicwangciso usebenzisa inkqubo yeenkwenkwezi zeCMS. Ukulinganiswa kweenkwenkwezi ezi-5 kusekwe ekusebenzeni kwesicwangciso kunyaka ongaphambili, kwaye ukulinganisa okuphezulu kuthetha ukuba isicwangciso sihambisa isigubungelo esikhulu. Ukukhetha isicwangciso ngenqanaba le-4- okanye le-5star kuya kuqinisekisa ukuba uya kufumana ingxelo oyifunayo, kwaye ufikelele ngokulula kuzo zonke iinkonzo zempilo ozifunayo.

Izibonelelo zeColorado Medicare

Ngolwazi oluthe kratya malunga nezicwangciso zokuqala zeMedicare kunye neMedicare kwiColorado, fikelela kuncedo. Unokufumana ulwazi ngakumbi ngokuqhagamshelana:

• Inkqubo yoNcedo lwe-Inshurensi yezeMpilo kaRhulumente (SHIP): 888-696-7213. Thetha kumcebisi we-SHIP, fumana ulwazi oluthe kratya kwi-Medicare, ufumane uncedo lokubhalisa, kwaye ufumanise ukuba uyafaneleka na kwiiNkqubo zoNcedo lweNgeniso ePhantsi ukuhlawula iindleko zeMedicare eColorado.
• Isebe laseColorado leeArhente zoLawulo: 888-696-7213. Fumana indawo yeenqanawa, funda ngamancedo amayeza amiselweyo, fumana iziseko zeMedare, kwaye ufumane patrol ephezulu yeMedicare.
• Impilo yabantu abadala kunye neNkqubo yoKhathalelo lwezoNyango (OAP). Fumana uncedo ukuba ufumana ipenshini yokuguga kodwa ungakulungeli ukufumana iMpilo yokuQala iColorado. Iinombolo zonxibelelwano ziyahluka ngokommandla.
• Izixhobo zokuncitshiswa kweziyobisi. Fumana ulwazi malunga nendlela yokuthenga amayeza amayeza asezantsi, kwaye ufunde okungakumbi malunga neenkqubo zoncedo lwesigulana.
• Unyango: 800-633-4227. Fumana ulwazi oluthe kratya ngezicwangciso zeMedicare, ukugubungela, kunye nabaphethe eColorado.
• IBhodi yoMhlala-phantsi yoLoliwe: 877-772-5772. Ukuba ukulungele ukufumana izibonelelo kwiBhodi yomhlala phantsi kaloliwe, fumana lonke ulwazi oludingayo ngokuqhagamshelana ngqo nabo.

Ndifanele ndenze ntoni ngokulandelayo?

Vavanya i-inshurensi yakho yezempilo ngo-2021, kwaye ufumane isicwangciso seMedicare Advantage esikusebenzelayo.

• Khetha uhlobo lwesicwangciso soNcedo lweMedare oyifunayo, kwaye unqume uhlahlo-lwabiwo mali.
• Thelekisa iziCwangciso zeNzuzo eColorado, jonga amanqaku e-CMS, kwaye uqiniseke ukuba izicwangciso ozijongayo ziyafumaneka kwingingqi yakho.
• Nje ukuba ufumene isicwangciso esifanelekileyo, ndwendwela iwebhusayithi yenethiwekhi ngolwazi oluthe kratya, gcwalisa ifom yobhaliso lwephepha, okanye utsalele umntu ophetheyo ukuqala inkqubo yokwenza isicelo kwifowuni.

Nokuba ukhetha isigqubuthelo sokuqala seMedical okanye isicwangciso seMedical Advantage, qiniseka ukuba uvavanya ngononophelo ukhetho lwakho, kwaye ulungiselela impilo eyi-2021.

Eli nqaku lahlaziywa ngo-Okthobha u-6, 2020 ukubonisa ulwazi lwe-2021 ye-Medicare.

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.