Izicwangciso ze-Illinois Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Zeziphi izicwangciso eziluncedo kuMayeza ezifumanekayo eIllinois?
• Ngubani ofanelekileyo kwi-Medicare e-Illinois?
• Ndingabhalisa nini kwizicwangciso zeMedicare Illinois?
• Iingcebiso zokubhalisa kwi-Medicare e-Illinois
• Izibonelelo ze-Illinois Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

I-Medicare yinkqubo ye-inshurensi yezempilo yomanyano enceda abantu abaneminyaka engama-65 nangaphezulu ukuhlawula unyango oluyimfuneko. Unokuba ulungele ukuba ungaphantsi kweminyaka yobudala engama-65 kwaye uhlala ukhubazekile. E-Illinois, malunga nezigidi ezi-2.2 zabantu ababhalise kwi-Medicare.

Eli nqaku liza kuchaza ukhetho lwe-Medicare e-Illinois ngo-2021, kubandakanywa nezicwangciso ze-Medicare Advantage kunye nento ekufuneka uyiqwalasele xa uthenga i-inshurensi.

Yintoni amayeza?

Xa ubhalisela i-Medicare e-Illinois, unokukhetha i-Medicare yasekuqaleni okanye isicwangciso se-Medicare Advantage.

I-Medicare yoqobo, ngamanye amaxesha ibizwa ngokuba yiMedicare yemveli, iqhutywa ngurhulumente. Ibandakanya iCandelo A (i-inshurensi yesibhedlele) kunye neCandelo B (i-inshurensi yezonyango).

Icandelo A ligubungela ukuhlala esibhedlele kunye nolunye unyango, ngelixa iCandelo B ligubungela iinkonzo zonyango ezininzi eziyimfuneko, kubandakanya utyelelo loogqirha kunye neenkonzo zokuthintela.

Ukuba ubhalisa kwi-Medicare yoqobo, unokukhetha ukubhalisela ezinye iintlobo ezongezelelweyo zokugubungela. Imigaqo-nkqubo yeMedigap igubungela ezinye zeendleko zokhathalelo lwempilo ezingafakwanga yiMedicare yoqobo, ezinje ngee-copayments zakho kunye nenciphiso Ukuba ufuna ukugubungela iziyobisi, ungasayinela isicwangciso esizimeleyo sonyango, esaziwa njengeCandelo D.

Uncedo lweMedicare (Icandelo C) likunika enye indlela yokufumana ukhuselo lwakho lweMedare. Ezi zicwangciso zinikezelwa ziinkampani zeinshurensi zabucala, kwaye zibandakanya onke amayeza e-A kunye neenkonzo ze-B.

Izicwangciso ze-Medicare Advantage e-Illinois zinokubonelela ngezinye izibonelelo ezingafakwanga kwi-Medicare yoqobo, enje:

• ukuva, umbono, kunye nokunakekelwa kwamazinyo
• Ukukhutshwa kweziyobisi ngugqirha
• Iinkqubo zempilo-ntle
• Ukugquma iziyobisi

Zeziphi izicwangciso eziluncedo kuMayeza ezifumanekayo eIllinois?

Izicwangciso ezininzi ze-Medicare Advantage ziyafumaneka kubahlali base-Illinois. Ezi zilandelayo zithwala i-inshurensi zibonelela ngezicwangciso ze-Medicare Advantage e-Illinois:

• I-Aetna Medicare
• Ukunyuka kunyukile
• IBlue Cross kunye neBlue Shield yaseIllinois
• Impilo eqaqambileyo
• Cigna
• Cacisa iMpilo yeNtwasahlobo
• Humana
• Ukhathalelo lwezeMpilo lweLasso
• Ngakumbi
• Ukhathalelo lweZempilo
• Ukhathalelo
• Impilo yeZing

Isibonelelo seMedicare sokunikezelwa kwesicwangciso siyahluka ngokommandla, ke ngenisa ikhowudi yakho ye-ZIP xa ufuna izicwangciso apho uhlala khona.

Ngubani ofanelekileyo kwi-Medicare e-Illinois?

Imithetho yokufaneleka yokufumana unyango iyahluka ngokuxhomekeke kubudala bakho. Ukuba umncinci kuneminyaka yobudala engama-65, usenokufaneleka kwezi meko zilandelayo:

• Ufumaniswe ukuba unesifo se-renal ekupheleni (ESRD) okanye i-amyotrophic lateral sclerosis (ALS)
• Ubukwi-Inshurensi yokuKhubazeka kwezeNtlalo (SSDI) iminyaka emi-2.

Ukuba uneminyaka engama-65 ubudala, uvumelekile kwi-Medicare e-Illinois nakwezinye zezi meko:

• uhlala eUnited States kwaye ungummi waseU.S okanye umhlali osisigxina
• sele ufumana izibonelelo zoKhuseleko loLuntu okanye ufanelekile

Ndingabhalisa nini kwizicwangciso zeMedicare Illinois?

Ukuba ufanelekile kwi-Medicare, ungabhalisa ngamaxesha athile kulo nyaka. La maxesha aquka:

• Ixesha lokubhalisa lokuqala. Eli xesha leenyanga ezi-7 liyafumaneka kubantu abakulungeleyo ukufumana amayeza xa beneminyaka engama-65. Iqala kwiinyanga ezi-3 phambi kwenyanga xa ugqiba iminyaka engama-65 kwaye iphela kwiinyanga ezintathu emva kwenyanga yakho yokuzalwa.
• Ixesha lokubhalisa elivulekileyo lonyaka. Ixesha lokubhalisa elivulekileyo lonyaka liqala ngo-Oktobha 15 ukuya kuDisemba 7. Ukuba ubhalisela isicwangciso se-Medicare Advantage ngeli xesha, ingxelo yakho entsha iya kuqala ngoJanuwari 1.
• Uncedo lweMedicare ithuba lokubhalisa elivulekileyo. Ukususela ngoJanuwari 1 ukuya ku-Matshi 31 ngonyaka, ungatshintshela kwisicwangciso esahlukileyo se-Medicare Advantage. Ukuba wenza utshintsho, ingxelo yakho entsha iqala ngosuku lokuqala lwenyanga emva kokuba i-inshurensi ifumene isicelo sakho.
• Ixesha elithile lobhaliso. Ukuba uhlangabezana neziganeko ezithile zobomi, uvunyelwe ukuba ubhalisele i-Medicare ngaphandle kwexesha lokubhaliswa lonyaka. Unokuba nexesha lokubhalisa elikhethekileyo ukuba ulahlekelwa ngumsebenzi wakho wezempilo, umzekelo.

Kwezinye iimeko, ungasayinwa kwi-Medicare ngokuzenzekelayo. Ukuba ufanelekile kwi-Medicare ngenxa yokukhubazeka, uya kubhaliswa emva kokufumana ukuhlolwa kwe-SSDI kwiinyanga ezingama-24. Ukuba ufumana izibonelelo zoMhlala-phantsi koLoliwe okanye iZibonelelo zoKhuseleko lweNtlalo, uya kubhaliswa xa uneminyaka engama-65 ubudala.

Iingcebiso zokubhalisa kwi-Medicare e-Illinois

Zininzi izinto ekufuneka uziqwalasele njengoko uvavanya izicwangciso ezininzi zeMedicare eIllinois. Ukufumana isicwangciso esifanelana neemfuno zakho, jonga ezi zinto:

• Iinkonzo ezifihliweyo. Izicwangciso ze-Medicare Advantage zingabandakanya iinkonzo ezingenayo i-Medicare yasekuqaleni, njengamazinyo, umbono, okanye ukunakekelwa kokuva. Abanye bade babonelele ngezibonelelo, ezinje ngobulungu bokuzivocavoca. Khangela izicwangciso ezibandakanya iinkonzo ozifunayo okanye ozifunayo.
• Iindleko. Iindleko zezicwangciso zeMedicare Advantage ziyahluka. Kwezinye izicwangciso, unokuhlawuliswa i-premium yesicwangciso senyanga kunye ne-premium ye-Medicare Part B. Iikopi, ukuqinisekiswa kwemali, kunye nokutsalwa kuya kuchaphazela iindleko zakho zokuphuma epokothweni.
• Inethiwekhi yomboneleli. Ukuba ujoyina isicwangciso seMedicare Advantage, unokufuna ukhathalelo koogqirha nezibhedlele kwinethiwekhi yesicwangciso sakho. Unokufuna ukubuza ababoneleli bakho bezempilo ukuba bathathe inxaxheba kwizicwangciso oziqwalaselayo.
• Indawo yenkonzo. I-Medicare yoqobo ibonelela ngogcino kwilizwe liphela, ngelixa izicwangciso zeMedare eziNcedo zisebenza kwiindawo ezinomda. Ukuba ucwangcisa ukuhamba, unokukhetha isicwangciso seMedicare esibonelela ngezibonelelo zokuhamba okanye zokundwendwela.
• Ukulinganisa. Unyaka nonyaka, amaZiko eeNkonzo zoNyango kunye neMedicaid Services (CMS) acwangcisa izicwangciso ukusuka kwinkwenkwezi enye ukuya kwesihlanu. La manqanaba eenkwenkwezi asekwe kwinkonzo yabathengi, umgangatho wokunyamekela, kunye nezinye izinto. Ukujonga umyinge wesicwangciso, yiya kwiCMS.gov kwaye ukhuphele iSheet yeNyaniso yeeNkanyezi.

Izibonelelo ze-Illinois Medicare

I-Medicare yinkqubo entsonkothileyo, kodwa kukho izixhobo ezinokukunceda uqonde ukhetho lwakho.

Ngolwazi oluthe kratya malunga neMedicare eIllinois, ungaqhakamshelana neNkqubo ye-Inshurensi yezeMpilo, enikezela ngesimahla, ngokucebisa umntu ngamnye malunga neMedicare kunye nezinye iindlela zomshuwalense wezempilo.

Ndifanele ndenze ntoni ngokulandelayo?

Xa ulungele ukuthenga isicwangciso seMedicare, nantsi into onokuyenza ngokulandelayo:

• Ukubhalisela ii-Medicare ze-A kunye ne-B, qhagamshelana noLawulo loKhuseleko loLuntu.Ungatsalela umnxeba ku-800-772-1213, undwendwele i-ofisi yoKhuseleko lweNtlalo yakho, okanye usebenzise isicelo seMedicare kwi-Intanethi.
• Ukuba unomdla kwizicwangciso ze-Medicare Advantage e-Illinois, unokuthelekisa izicwangciso kwi-Medicare.gov. Ukuba ubona isicwangciso osithandayo, ungabhalisa kwi-Intanethi.

Eli nqaku lahlaziywa ngo-Okthobha 2, 2020 ukubonisa ulwazi ngo-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.