Izicwangciso zeIowa Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Amayeza okuqala
• Uncedo lweMedicare
• Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka eIowa?
• Ngubani ofanelekileyo kwi-Medicare e-Iowa?
• Ndingabhalisa nini kwizicwangciso zeMedicare Iowa?
• Iingcebiso zokubhalisa kwi-Medicare e-Iowa
• Izibonelelo zeIowa Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

Ukuba uhlala e-Iowa, unokufanelekela kwi-Medicare. Le nkqubo yomanyano ibonelela nge-inshurensi yezempilo kuma-Iowans aneminyaka engama-65 okanye nangaphezulu, kunye nabantu abancinci abakhubazekileyo.

Ukuba umtsha kwi-Medicare, akusoloko kulula ukufumana ukhetho lwakho lokugubungela. Eli nqaku libonelela ngentshayelelo kwi-Medicare Iowa, kubandakanya ukhetho lwe-Medicare Advantage kunye nendlela yokukhetha isicwangciso esifanelekileyo kuwe.

Yintoni amayeza?

Zimbini iindlela zokugubungela iMedicare eIowa. Unokukhetha i-Medicare yoqobo okanye i-Medicare Advantage.

Amayeza okuqala

I-Medicare yoqobo ikwabizwa ngokuba yiMedicare yemveli. Inikwa ngurhulumente womanyano kwaye ibandakanya:

• Icandelo A (i-inshurensi yesibhedlele). ICandelo A ligubungela iinkonzo ezahlukeneyo ezinxulumene nezibhedlele, kubandakanya nokuhlala esibhedlele kwabaguli kunye nokunyanyekelwa kweziko lononophelo olunobuchule.
• Icandelo B (i-inshurensi yezonyango). Icandelo B libandakanya ukugubungela uninzi lweenkonzo eziyimfuneko kunye nezokuthintela, ezinje ngokundwendwela ugqirha, iimviwo zomzimba, kunye nokuhlaselwa ngumkhuhlane.

I-Medicare yoqobo ayigubungeli yonke into, kodwa iinkampani zeinshurensi zibonelela ngezicwangciso ezinokukunceda ukuzalisa izithuba. Ukuba ufuna i-inshurensi yonyango, ungasayinela isicwangciso se-Medicare Part D. Ukuba ufuna uncedo lokuhlawula i-Medicare copayments, i-coinsurance, kunye ne-deductibles, ungabhalisela i-Medicare yokuncedisa i-inshurensi iMedigap).

Uncedo lweMedicare

E-Iowa, enye indlela oyikhethayo sisicwangciso seNzuzo yokuNyanga. Ezi zicwangciso zibonelelwa ziinkampani zabucala kwaye zilawulwa ngurhulumente. Zigubungela zonke izibhedlele ezifanayo kunye neenkonzo zonyango njengeMedicare yoqobo, kodwa zihlala zibandakanya izibonelelo ezongezelelweyo, ezinje:

• Ukukhutshwa kweziyobisi ngugqirha
• ukuva, umbono, okanye ukogquma amazinyo

Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka eIowa?

Ukususela ngo-2021, aba baphathi balandelayo bathengisa izicwangciso ze-Medicare Advantage e-Iowa:

• I-Aetna Medicare
• I-HealthPartners UnityPoint yezeMpilo
• Humana
• IMedica
• Isicwangciso sezeMpilo eziDibeneyo, Inc.
• MediGold
• Ukhathalelo lweZempilo

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

Ngubani ofanelekileyo kwi-Medicare e-Iowa?

Ukuba umncinci kuneminyaka yobudala engama-65, ulungele iMedicare Iowa ukuba:

• Ufumaniswe ukuba unesifo se-renal ekupheleni (ESRD)
• uye wafunyaniswa ukuba une-amyotrophic lateral sclerosis (ALS)
• Ufumene i-Inshurensi yokuKhubazeka kweNtlalo ubuncinci iminyaka emi-2

Iowans abaguquka iminyaka engama-65 ubudala, ukuhlangabezana nenye yezi ndlela zilandelayo kukwenza ufaneleke kwi-Medicare:

• nokuba ungummi wase-U.S. okanye umhlali osisigxina okhoyo kweli lizwe iminyaka emi-5 ubuncinci
• okwangoku ufumana izibonelelo zoKhuseleko loLuntu okanye ulungele ezi zibonelelo

Kukho imigaqo eyongezelelweyo yokufaneleka kwezicwangciso ze-Medicare Advantage e-Iowa.Ukuze ufaneleke, kufuneka uhlale kwindawo yesicwangciso senkonzo kwaye ube namacandelo e-Medicare A kunye no-B.

Ndingabhalisa nini kwizicwangciso zeMedicare Iowa?

Ukuba ufanelekile kwi-Medicare, ungabhalisa ngamaxesha athile apha enyakeni. La maxesha aquka:

• Ixesha lokubhalisa lokuqala. Ukuba unelungelo lokuqala xa uneminyaka engama-65, ungabhalisa ngeli xesha leenyanga ezi-7. Iqala iinyanga ezi-3 phambi kwenyanga ugqiba iminyaka engama-65 kwaye iphela kwiinyanga ezi-3 emva kwenyanga yokuzalwa kwakho kwama-65.
• Ixesha lokubhalisa elivulekileyo lonyango. Ixesha lokubhalisa elivulekileyo lonyaka lenzeka phakathi kuka-Okthobha u-15 no-Disemba 7. Ngeli xesha, ungazibandakanya nesicwangciso seMedicare Advantage okanye utshintshele kwisicwangciso esitsha.
• Uncedo lweMedicare ithuba lokubhalisa elivulekileyo. Ukuba sele ukwisicwangciso seMedicare Advantage, ungatshintshela kwenye phakathi kukaJanuwari 1 noMatshi 31 minyaka le.

Iziganeko ezithile zobomi, ezinjengokuphulukana nomsebenzi obonelela ngenkxaso yezempilo, ziya kubangela ixesha elithile lobhaliso. Oku kukunika ithuba lokuba ubhalisele i-Medicare ngaphandle kwexesha lokubhalisa eliqhelekileyo.

Ngamanye amaxesha ungabhalisela i-Medicare ngokuzenzekelayo. Ukuba ufanelekile ngenxa yokukhubazeka, uya kufumana i-Medicare emva kokuba ufumene iinyanga ezingama-24 ze-Inshurensi yokuKhubazeka kweNtlalo. Uyakusayinwa ngokuzenzekelayo xa uneminyaka engama-65 ubudala ukuba sele ufumana izibonelelo zoKhuseleko loLuntu.

Iingcebiso zokubhalisa kwi-Medicare e-Iowa

Xa uthenga izicwangciso ze-Medicare Advantage, ukunciphisa ukhetho lwakho kunokuba lukhulu. Ukwenza inkqubo ibe lula, gcina ezi zinto engqondweni xa ujikeleza.

• Uhlahlo-lwabiwo mali. Ngaphambi kokukhetha isicwangciso, yenza isigqibo sokuba uza kukwazi ukuchitha malini. Ungaqwalaseli kuphela iipremiyamu zanyanga zonke, kodwa nezinye iindleko zokugubungela, ezinje nge-coinsurance, ii-copayments, kunye nokutsalwa kwemali.
• Oogqirha bakho. Xa ujoyina isicwangciso seMedicare Advantage, ufumana ukhathalelo koogqirha kwinethiwekhi yesicwangciso. Ukuba ufuna ukuqhubeka ubona oogqirha bakho bangoku, qiniseka ukuba bakwinethiwekhi.
• Inkxaso yakho. Izicwangciso ze-Medicare Advantage zingabandakanya iinkonzo ezingenayo i-Medicare yasekuqaleni, kwaye ezi zibonelelo ezongezelelweyo ziyahluka kwisicwangciso sokucwangcisa. Ukuba ufuna izibonelelo ezithile, ezinje ngononophelo lwamazinyo okanye ukhathalelo lombono, qiniseka ukuba uyabanikezela.
• Iimfuno zakho zempilo. Ukuba unempilo engapheliyo, njengomhlaza okanye isifo se-autoimmune, unokufuna ukujoyina iSicwangciso seZidingo eziZodwa. Ezi zicwangciso zilungelelanisa iinkonzo zazo kunye neenethiwekhi zonikezelo ukuze zihambelane ngcono neemfuno zabantu abaneemeko ezithile.

Izibonelelo zeIowa Medicare

Kukho izixhobo ezininzi ezinokukunceda uqonde i-Medicare Iowa, kubandakanya:

• INkqubo ye-Inshurensi yezeMpilo kwiMatriki (SHIIP) 800-351-4664
• Ulawulo lwezeNtlalontle 800-772-1213

Ndifanele ndenze ntoni ngokulandelayo?

Xa ilixesha lokuba ubhalise kwi-Medicare, unga:

• Bhalisela iinxalenye zeMedicare A kunye no-B. Ukufumana i-Medicare, nxibelelana noLawulo loKhuseleko loLuntu. Kukho isicelo esikwi-Intanethi, kodwa ukuba ukhetha njalo, ungandwendwela i-ofisi yoKhuseleko lweNtlalo yakho okanye utsalele umnxeba ku-800-772-1213.
• Thenga izicwangciso zeMedare kwiMedicare.gov. Isixhobo sokufumana isicwangciso seMedicare online sikwenza kube lula ukuthenga izicwangciso zeMedicare eIowa. Emva kokufaka ikhowudi yakho ye-ZIP, uya kubona uluhlu oluneenkcukacha lwezicwangciso onokukhetha kuzo.
• Thetha kumcebisi weMedicare. Ukuba ufuna uncedo ngokuthelekisa izicwangciso zeMedicare kwindawo yakho, nxibelelana neIowa SHIIP. Ivolontiya le-SHIIP linokukunceda uqonde ukhetho lwakho lwe-Medicare kwaye wenze izigqibo ezingakumbi zokugubungela ulwazi.

Eli nqaku lahlaziywa ngo-Okthobha 7, 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.