Izicwangciso ze-Georgia Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Izicwangciso zeMedicare
• Zeziphi izicwangciso ze-Medicare eziluncedo ezikhoyo eGeorgia?
• Ngaba uvumelekile kwisicwangciso se-Medicare Advantage eGeorgia?
• Ndingabhalisa nini kwizicwangciso zeMedicare eGeorgia?
• Iingcebiso zokubhalisa kwi-Medicare eGeorgia
• Izixhobo ezongezelelweyo ze-Georgia Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

Ngo-2018, abahlali baseGeorgia abayi-1,676,019 babhaliswa kwi-Medicare. Kukho amakhulu ezicwangciso zeMedicare onokukhetha kuzo ukuba uhlala eGeorgia.

Nokuba ufuna ukutshintsha izicwangciso zokufumana ukogquma ngakumbi okanye ungazi ukuba uyasifanelekela na isiCwangciso seNzuzo seMedare, kuninzi ekufuneka ukwazi ngeMedicare.

Yintoni amayeza?

I-Medicare yinkqubo ye-inshurensi exhaswa ngurhulumente kubantu abangaphezulu kweminyaka engama-65. Abantu abadala abancinci abakhubazekileyo banokufumana izicwangciso zeMedare eGeorgia. Uninzi lwabantu abadala lubhalise ngokuzenzekelayo kwi-Medicare yoqobo (Icandelo A kunye neCandelo B).

Icandelo leMedicare A ligubungela iinkonzo zesibhedlele, ezinje:

• Ukunyamekela esibhedlele
• ukunqongophala kwezempilo ekhaya
• Unonophelo lwehosisi

Icandelo leMedicare B ligubungela iinkonzo zonyango kunye nokhathalelo lokuthintela, njenge:

• ukuqeshwa kukagqirha
• iimvavanyo zelebhu
• X-reyi
• Ukuvavanywa kweswekile
• Unonophelo lwangaphandle esibhedlele

Icandelo lonyango i-Medicare Icandelo D sisicwangciso esiza kugubungela iindleko zonyango. Unokukhetha ukubhalisa kwiCandelo D ukongeza ukhuselo olunikezwe ngamacandelo A kunye no-B.

Izicwangciso zeMedicare eGeorgia zibandakanya neZicwangciso zeMfuno eziZodwa (SNPs). Ezi zicwangciso zibonelela ngokugubungela abantu abaphila neemeko zempilo ezingapheliyo okanye abanezinye iimfuno ezizodwa zempilo.

Izicwangciso zeMedicare

IziCwangciso ze-Medicare ze-Advantage (Icandelo C) zonke zizicwangciso ze-in-one ezibonelela ngogqibo olupheleleyo lwezempilo. Ziyafumaneka kubaboneleli ngeinshurensi yezempilo yabucala.

Isicwangciso se-Medicare Advantage siza kubandakanya iindleko zesibhedlele kunye nezonyango, kunye namayeza. Ezinye izicwangciso ze-Medicare Georgia ziya kubandakanya ukhuselo olongezelelekileyo lombono okanye iimfuno zamazinyo, iinkqubo zokuqina, okanye izixhobo zokuva.

Zeziphi izicwangciso ze-Medicare eziluncedo ezikhoyo eGeorgia?

Ezi nkampani zilandelayo zeinshurensi zibonelela ngezicwangciso zeMedicare eGeorgia:

• I-Aetna Medicare
• Konke
• Umhobe iBlue Cross kunye neBlue Shield
• Inkonzo yoKhathalelo
• Cigna
• Cacisa iMpilo yeNtwasahlobo
• Impilo yeClover
• Humana
• UKaiser Permanente
• Ukhathalelo lwezeMpilo lweLasso
• Isicwangciso seSonder Health, Inc.
• Ukhathalelo lweZempilo
• Ukhathalelo

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

Ngaba uvumelekile kwisicwangciso se-Medicare Advantage eGeorgia?

Uninzi lwabantu abadala babhalise ngokuzenzekelayo kwi-Medicare yoqobo xa begqiba iminyaka eyi-65, kodwa kuya kufuneka ufake isicelo se-Medicare Advantage plan. Ukuze ufaneleke kwi-Medicare Advantage plan e-Georgia kufuneka uhlangabezane nale mfuno:

• ube ngummi wase-US okanye umhlali osisigxina wase-Georgia
• ubhalise kwiCandelo lokuqala le-Medicare A kunye neCandelo B
• Ndibhatale ukuncitshiswa komrhumo weMedicare

Unokufumana isicwangciso se-Medicare Advantage eGeorgia ukuba ukhubazekile okanye unesifo esinganyangekiyo njenge-amyotrophic lateral sclerosis (ALS) okanye isifo sesifo sokugqibela (ESRD). Abantu baseGeorgia abafumana ipenshoni kwiBhodi yoRhwebo kuMhlala-phantsi okanye kwiKhuseleko loLuntu banokufumana isicwangciso seMedare.

Ndingabhalisa nini kwizicwangciso zeMedicare eGeorgia?

Njengoko usondela kumhlala-phantsi, uya kuba nexesha lokuqala lokubhalisa xa ungabhalisa kwi-Medicare. Eli xesha lokuqala liqala kwiinyanga ezi-3 ngaphambi kosuku lwakho lokuzalwa lwama-65, kwaye lwandisa iinyanga ezi-3 ezongezelelweyo emva kosuku lwakho lokuzalwa.

Ixesha lokubhaliswa lonyaka kwi-Medicare liqala nge-15 ka-Okthobha ukuya kuDisemba 7. Ngeli xesha, unokukhetha isicwangciso esitsha.

Kukho ixesha lokubhalisa elivulekileyo kwi-Medicare Advantage ukusuka ngoJanuwari 1 ukuya ku-Matshi 31. Ngeli xesha lokubhalisa livulekileyo, ungatshintsha ukusuka kwi-Medicare yasekuqaleni ukuya kwi-Medicare Advantage, okanye utshintshe kwisicwangciso se-Medicare Advantage.

Unokwazi ukufaka isicelo se-Medicare Georgia ngexesha lokubhaliswa okhethekileyo. Unokufanelekela ukubhaliswa ngokukodwa ukuba umqeshi wakho weinshurensi utshintshile, okanye ukuba ukhubazekile.

Iingcebiso zokubhalisa kwi-Medicare eGeorgia

Xa ukhetha phakathi kwezicwangciso kunye nabathwali, uya kuqala ufuna ukucinga malunga ngqo nento oyifunayo.

Ngaphambi kokuba ubhalise kwi-Medicare Plan eGeorgia, yenza uluhlu olubanzi lwawo onke amayeza akho kunye nokuba uhlawula malini kule miyalelo. Uyakufuna kwakhona ukucinga malunga nokutyelela rhoqo ugqirha wakho.

Kuxhomekeka kwiindleko zonyango owaziwayo, isicwangciso seMedare yeAdvantage okanye iCandelo D (ukugubungela amayeza) inokuba nengqondo kuwe.

Ukuba wonwabile kakhulu ngugqirha wakho wangoku, tsalela umnxeba kwiofisi kagqirha wakho ukuze ufumanise ukuba yeyiphi na eyamkelweyo ngababoneleli ngeinshurensi. Ukuba ucinga ngesicwangciso seMedicare Advantage, uninzi lwabathwali luya kusebenza kuphela noogqirha abakwi-network.

Funda uphononongo lwabaphethe indawo kwindawo yakho ukufumana izicwangciso ezinconyelweyo. Unokufumana ukuba isicwangciso siqhuba njani ngokufikelela kwinkqubo yokulinganiswa kweenkwenkwezi ze-CMS. Le yinkqubo yokulinganiswa kweenkwenkwezi ezintlanu ukuya kwezintlanu apho inqanaba eliphezulu lithetha ukuba isicwangciso siqhube kakuhle kunyaka ophelileyo. Izicwangciso zitshintsha unyaka nonyaka, ke jonga amanqaku.

Izixhobo ezongezelelweyo ze-Georgia Medicare

Unokufumana ulwazi oluthe kratya malunga nezicwangciso zeMedicare eGeorgia ngokunxibelelana nale mibutho ilandelayo. Baya kuvuya kukubonelela ngolwazi oluthe kratya malunga neMedicare Georgia kunye nokukunceda ufumane isicwangciso esifanelekileyo kuwe.

• IGeorgiaIzinto: Fumana uncedo kwiNkqubo yoLondolozo lweeMali yaseGeorgia ebizwa ngokuba yiGeorgiaCares. Njengengxenye yeNkqubo yoNcedo lwe-Inshurensi yezeMpilo kaRhulumente (i-SHIP), i-GeorgiaCares ibonelela ngolwazi malunga ne-Medicare, iinkonzo zokucebisa simahla, kunye noncedo lokubhalisa kwisicwangciso seMedicare eGeorgia. Banokufikelelwa ngomnxeba apha 866-552-4464.
• ICandelo Lenkonzo Yokwaluphala: Ulwahlulo lweenkonzo zokuguga zaseGeorgia lunokubonelela ngoncedo nenkxaso kubantu abadala eGeorgia. Ungathetha nomntu ngomnxeba ku-404-657-5258.
• Ikhadi leziyobisi laseGeorgia. Le nkqubo yoncedo yenza ukuba amayeza afikeleleke ngakumbi kubahlali baseGeorgia. Nxibelelana ne-404-657-3127 ngolwazi oluthe kratya.

Unokufumana kwakhona ukuba ungabhalisa njani kwisicwangciso seMedicare eGeorgia, kwaye uphonononge ukhetho lwakho ngokubiza u-800-633-4227.

Ndifanele ndenze ntoni ngokulandelayo?

Ngaba ukulungele ukubhalisa kwisicwangciso se-Medicare Advantage eGeorgia, kwaye ufumane esona sicwangciso silungileyo kuwe se-2021?

• Ndwendwela i-Medicare.gov ukubona uluhlu lwezicwangciso ze-Medicare Georgia kwindawo yakho, emva koko undwendwele iwebhusayithi yenethiwekhi ngolwazi oluthe kratya malunga nezicwangciso ezithile.
• Nciphisa ukukhangela kwakho ngokujonga amanqaku e-CMS, usebenzisa ikhowudi yakho ye-zip, kunye nokumisela uhlahlo-lwabiwo mali njengoko uvavanya izicwangciso zeNzuzo.
• Bhalisa kwi-Intanethi, sebenzisa ifom yephepha, okanye utsalele umnxeba ngqo ukubhalisa kwisicwangciso seMedicare.

Izicwangciso zeMedicare eGeorgia zinokukunceda ekuhlawuleni iindleko zeenkonzo zakho zempilo. Nokuba sele ukulungele ukufumana i-Medicare okokuqala, okanye ufuna ukwandisa ukogquma, thatha ixesha lokuvavanya ukhetho lwakho.

Unokufumana ukhuseleko olwaneleyo nge-Medicare yase-Georgia yoqobo, okanye ukhethe ukongeza isiCwangciso D. Ngokuxhomekeke kwimeko yakho, isicwangciso se-Medicare Advantage sinokukunceda ukuba ugcine imali inyanga nenyanga, ukubonelela ngeenkonzo ezongezelelweyo ezihambelana neemfuno zakho, okanye zikunike ukuguquguquka ngakumbi.

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.