Izicwangciso zeFlorida Medicare ngo-2021

Umxholo

• Ukuqonda ukhetho lwakho lweMedicare
• Yintoni i-Medicare Advantage?
• Zeziphi izicwangciso eziluncedo zeMedare ezifumaneka eFlorida?
• Ngubani ofanelekileyo kwizicwangciso zeMedicare eFlorida?
• Ndingabhalisa nini?
• Iingcebiso zokubhalisa kwi-Medicare
• Izixhobo
• Amanyathelo alandelayo

Ukuba uthenga i-Medicare yokugubungela eFlorida, unokuninzi ekufuneka ukujongile xa ukhetha isicwangciso.

I-Medicare yinkqubo yezempilo ebonelelwa ngurhulumente wobumbano kubantu abaneminyaka engama-65 nangaphezulu kunye nabantu abakhubazekileyo. Unokufumana ingxelo ngqo kurhulumente okanye ngenkampani yabucala yeinshurensi.

Ukuqonda ukhetho lwakho lweMedicare

I-Medicare ingaphezulu kwesicwangciso esinye. Kukho izicwangciso ezahlukeneyo kunye nezinto ezigubungela izinto ezahlukeneyo.

I-Medicare yoqobo ilawulwa ngurhulumente womanyano. Ibandakanya iinxalenye ezimbini eziphambili, iCandelo A neCandelo B.

Icandelo A ligubungela iinkonzo zesibhedlele. Oku kubandakanya ukhathalelo lwezigulana ezingalaliswayo esibhedlele okanye kwiziko lokonga, kunye nezinye iinkonzo zekhaya. Akunakufuneka uhlawule i-premium kwiCandelo A ukuba wena okanye iqabane lakho lihlawule kwi-Medicare ngerhafu yokuhlawula ngexesha lokusebenza. Oku kusebenza kuninzi lwabantu olunembali yomsebenzi.

Icandelo B ligubungela ngakumbi iindleko zonyango ngokubanzi, ezinje ngeenkonzo ozifumanayo kwiofisi kagqirha, ukhathalelo lwezigulana ezingalaliswayo, izinto zonyango kunye nolondolozo. Ngokwesiqhelo uhlawula ipremiyamu yokugubungela iCandelo B.

Ngokuxhomekeke kwiimfuno zakho zempilo, i-Medicare yoqobo ayinakho ukubonelela ngokwaneleyo. Ayibandakanyi ukugubungela amayeza amiselweyo, umzekelo. Iindleko ezingaphandle kweepokotho ezinje ngee-copayments, i-coinsurance, kunye ne-deductibles yongeza, enokubiza kakhulu xa usebenzisa kakhulu ukhathalelo lwempilo.

Kukho nezinye iindlela zokongeza ukhuselo olongezelelweyo kwisicwangciso sakho seMedare, onokuyithenga kwinkampani yeinshurensi yabucala:

• Izicwangciso zokuncedisa kwiMedare, ngamanye amaxesha ezibizwa ngokuba zizicwangciso zeMedigap, zinceda ukuhlawula iindleko ezingafakwanga yiMedicare yoqobo.
• Izicwangciso zeCandelo D zongeza ukugubungela amayeza amiselweyo.

Ngenye indlela, unokukhetha isicwangciso esinye esibanzi esibizwa ngokuba sisiCwangciso seNzuzo seMedare.

Yintoni i-Medicare Advantage?

Uncedo lweMedicare (Icandelo C) zizicwangciso ezinikezelwa ngeenkampani zabucala zeinshurensi kwaye zithatha indawo yoNyango lokuqala. Ezi zicwangciso zigubungela zonke izibonelelo ezifanayo zamacandelo A kunye no-B, emva koko ezinye.

Izicwangciso ze-Medicare ze-Advantage zibandakanya ukugubungela amayeza amiselweyo, umbono kunye nokunakekelwa kwamazinyo, ulawulo lwempilo kunye neenkqubo zokomelela komzimba, kunye nezinto ezongezelelekileyo

Zeziphi izicwangciso eziluncedo zeMedare ezifumaneka eFlorida?

Inani labaphethe i-inshurensi babonelela ngezicwangciso zeMedicare Advantage eFlorida ngo-2021. Babandakanya ezi nkampani zilandelayo:

• I-Aetna Medicare
• Konke
• Ukunyuka kunyukile
• I-AvMed Medicare
• Impilo eqaqambileyo
• Izicwangciso zezeMpilo zeCarePlus, Inc.
• Cigna
• Impilo ezinikeleyo
• IziCwangciso zezeMpilo, Inc.
• IFlue Blue
• Inkululeko yezeMpilo, Inc.
• Izicwangciso zeMpilo zeSunS, Inc.
• Humana
• Ukhathalelo lwezeMpilo lweLasso
• Imbuyekezo MMM of Florida, Inc.
• Optimum HealthCare, Inc. usetyenziso lweWindows kwi- Ivenkile yeWindows
• Isicwangciso seMpilo esiPhakamileyo
• UOscar
• Izicwangciso zeMpilo ngokulula, Inc.
• IziCwangciso zezeMpilo zikaSolis
• Ukhathalelo lweZempilo
• Ukhathalelo

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

Ngubani ofanelekileyo kwizicwangciso zeMedicare eFlorida?

Ukufunyanwa kwamayeza kuyafumaneka kubantu:

• baneminyaka engama-65 okanye ngaphezulu
• bangaphantsi kweminyaka engama-65 kwaye banokukhubazeka okuthile
• baneminyaka yobudala kwaye banesifo sokugqibela sesifo se-renal (ESRD) okanye i-amyotrophic lateral sclerosis (ALS)

Ndingabhalisa nini?

Kubantu abaninzi, ixesha lakho lokuqala lokubhalisa kwi-Medicare eFlorida liqala iinyanga ezi-3 ngaphambi kokuba ube neminyaka engama-65 kwaye ihlala iinyanga ezintathu emva kokuba uqule iminyaka engama-65.

Ukuba ukhetha ukungabhalisi ngexesha lokubhalisa kwakho kokuqala, uya kuba nethuba kwakhona ngexesha lokubhalisa elivulekileyo, eliqala ngoJanuwari 1 ukuya kuMatshi 31 unyaka nonyaka.

Ukuba wena okanye iqabane liqhubeka nokusebenza, unokukhetha ukungabhalisi kwi-Medicare (i-Part B) okwangoku. Kwezi meko, unokulifumana ixesha lokubhalisa elikhethekileyo ukuze ungene kamva.

Kodwa gcinani engqondweni, akudingeki ukuba uhlale ubhalisile kwisicwangciso sempilo seqela lomqeshi wakho. Unokufumana ukuba i-Medicare ibonelela ngokugubungela okungcono ngemali encinci nangona uhlala usisigxina.

Iingcebiso zokubhalisa kwi-Medicare

Isicwangciso seMedicare esilungele wena sixhomekeke kwinani lezinto ezinokwahluka ngokuxhomekeka kukhetho lwakho okanye imeko. Cinga ngoku kulandelayo xa ukhetha isicwangciso:

• Thelekisa izakhiwo zesicwangciso. Ukuba ukhetha isicwangciso se-Medicare Advantage, yazi ukuba ezi zicwangciso ziza ngeendlela ezahlukeneyo zoyilo. Kubalulekile ukuqonda ukuba isicwangciso sisebenza njani kunye nendlela enokuchaphazela ngayo ukhathalelo lwakho. Ngaba ukhetha ukuba nogqirha wakho ophambili owongamele ukhathalelo lwakho (HMO)? Okanye ngaba uza kukwazi ukubona nayiphi na ingcali kwinethiwekhi ngaphandle kokuthunyelwa (i-PPO)?
• Cinga ngeendleko. Zingakanani iipremiyamu, iintlawulo ezikhutshiweyo, iimali ezitsalwayo, okanye ezinye iindleko? Ukuba ukulungele ukugubungela umqeshi, ezi ndleko zithelekiswa njani nokukhethwa kweqela lakho langoku?
• Jonga uphononongo. Jonga ukuba bathini abanye abathengi malunga nezicwangciso zabo. Ngaba inkqubo yamabango isebenza kakuhle? Ngaba inkonzo yabathengi inobuhlobo kwaye iyasebenza? Funda uphononongo kwi-intanethi okanye ubuze ngeenxa zonke ukuba uyabazi abanye abantu ababhalise kwizicwangciso zeMedicare Advantage.
• Ukuphonononga inethiwekhi yomboneleli. Ukuba unogqirha okhethiweyo, khangela isicwangciso esibandakanya kwinethiwekhi ye-Medicare Florida. Ezinye izicwangciso zinokuba nemimandla egubungeleyo engacacanga ngokwendawo. Ixesha lokufumanisa liphambi kokuba ubhalise.
• Thenga izinto ozithandayo. Izicwangciso zeMedare eziluncedo zihlala zibandakanya uninzi lokongezwa - izaphulelo kunye neenkqubo ezinokukunceda uhlale usempilweni kwaye uchuma. Khangela ezilingana nendlela ophila ngayo kwaye ziya kuba luncedo kuwe.

Izixhobo

Ukuze ufunde okungakumbi malunga nezicwangciso zeMedicare eFlorida, jonga ezi zixhobo:

• SHINE (Ukukhonza i-Inshurensi yezeMpilo i-Inshorensi yaBadala), inkqubo yasimahla enikezelwa liSebe leMicimbi yaBadala eFlorida kunye neArhente yeNgingqi yakho ekuGuga.
• Umbuso waseFlorida Medicare kunye neMedicaid

Amanyathelo alandelayo

Ukulungele ukuthatha amanyathelo alandelayo ekubhaliseni isicwangciso seMedare eFlorida? Unokufuna ukuqaphela ezi zenzo:

• Qhagamshelana nommeli we-inshurensi ye-Medicare Florida onokukunceda uqonde iinketho zakho ze-Medicare kwaye ufumane iikowuti kwizicwangciso ezahlukeneyo zokukunceda uthelekise.
• Jonga ulwazi lwesicwangciso kwi-intanethi ngokusebenzisa abaphathi beinshurensi yendawo.
• Gcwalisa isicelo se-Intanethi kwi-Intanethi ngoLawulo loKhuseleko loLuntu. Ungayigcwalisa le fomu kwimizuzu nje eli-10 kwaye akukho mfuneko yokuba ungenise amaxwebhu kwangoko.

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.