Izicwangciso zeMassachusetts Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Zeziphi izicwangciso eziluncedo zeMedare ezifumaneka eMassachusetts?
• Ngubani ofanelekileyo kwi-Medicare eMassachusetts?
• Ndingabhalisa nini kwisicwangciso seMedare?
• Iingcebiso zokubhalisa kwi-Medicare eMassachusetts
• Izibonelelo zaseMassachusetts Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

Kukho inani lezicwangciso zeMedare eMassachusetts. I-Medicare yinkqubo ye-inshurensi yezempilo exhaswa ngurhulumente eyilelwe ukukunceda ufezekise iimfuno zakho zempilo.

Funda ngezicwangciso ezahlukeneyo zeMedicare eMassachusetts ngo-2021 kwaye ufumane isicwangciso esifanelekileyo kuwe.

Yintoni amayeza?

I-Medicare yoqobo sisicwangciso esisisiseko se-Medicare, kubandakanya icandelo A kunye no-B.

Icandelo A ligubungela lonke ukhathalelo lwezibhedlele, ezinje ngononophelo lwangaphakathi, iinkonzo zononophelo lwasemakhaya ezinqongopheleyo

Icandelo B libonelela ngononophelo lonyango, kubandakanya ukuqeshwa kukagqirha, iinkonzo zeenqwelo zezigulana, kunye neemvavanyo ezinjengee-x-reyi nomsebenzi wegazi.

EMassachusetts, unokukhetha ukubhalisela isicwangciso seMedicare Advantage (Icandelo C). Ezi zicwangciso zizonke-inye izicwangciso ezinikezelwa ngabucala be-inshurensi yezempilo.

Izicwangciso ze-Medicare Advantage zigubungela zonke iinkonzo ezifanayo njenge-Medicare yoqobo, kunye nokubonelela ngeziyobisi ngezicwangciso ezithile. Kukho amakhulu ezicwangciso ze-Medicare Advantage eMassachusetts zokukhetha kuzo, kwaye uninzi lubandakanya ukugubungela ukongezwa kweenkonzo ezinje ngombono, ukuva, okanye ukhathalelo lwamazinyo.

Icandelo D (ukumiselwa kweziyobisi ngugqirha) ligubungela iindleko zamayeza kunye nokunciphisa iindleko zokuphuma epokothweni. Esi sicwangciso sihlala songezwa kwi-Medicare yoqobo ukubonelela ngokubanzi.

Unokukhetha ukongeza isicwangciso seMedigap. Ezi zicwangciso zokuncedisa zinokukunceda ukubonelela ngenkxaso eyongezelelweyo yokuhlawula iifizi ezingafakwanga kwi-Medicare yoqobo, ezinje ngee-copays, i-coinsurance, kunye nokuncitshiswa.

Zeziphi izicwangciso eziluncedo zeMedare ezifumaneka eMassachusetts?

Izicwangciso ze-Medicare Advantage eMassachusetts ziyafumaneka kubo bonke abahlali abakulungeleyo ukukhutshwa kwi-Medicare. Ezi zicwangciso zeMedicare eMassachusetts zineepremiyamu eziphezulu kodwa zibandakanya iinkonzo zononophelo lwempilo ezongezelelweyo.

Ababoneleli ngesicwangciso seMedare eMassachusetts kubandakanya:

• I-Aetna Medicare
• IBlue Cross Blue Shield yaseMassachusetts
• Impilo yeFallon
• Iindleko zezabelo Harvard Pilgrim Health Care, Inc.
• Humana
• Ukhathalelo lwezeMpilo lweLasso
• Isicwangciso seMpilo
• Ukhathalelo lweZempilo

Xa ukhetha isicwangciso se-Medicare Advantage, uya kufuna ukuthelekisa amaxabiso ahlukeneyo kunye nezicwangciso zokugubungela. Qinisekisa ukuba isicwangciso osifunayo senziwa kwindawo yakho. Izicwangciso ziyahluka ngokommandla, ke sebenzisa ikhowudi yakho ye-ZIP ukujonga ukuba ingaba izicwangciso ozithelekisayo ziyafumaneka kwindawo yakho.

Ngubani ofanelekileyo kwi-Medicare eMassachusetts?

I-Medicare iyafumaneka kubo bonke abemi base-US kunye nabahlali abangaphezu kweminyaka engama-65, kunye nabantu abakhubazekileyo okanye abagulayo.

Ungabhaliswa ngokuzenzekelayo kwi-Medicare xa uneminyaka engama-65, kodwa ukuba awubhalisanga, qiniseka ukuba uhlangabezana nezi mfuno zilandelayo:

• ungummi waseMelika okanye uhlala isigxina
• ubhatalele ukuncitshiswa kwerhafu ngexesha leMisebenzi yakho

Ukuba ungaphantsi kweminyaka engama-65, unokufanelekela kwi-Medicare ukuba:

• unokukhubazeka ofumene intlawulo ye-Inshurensi yokukhubazeka kweNtlalo ubuncinci iinyanga ezingama-24
• unesifo se-renal (ESRD) okanye i-amyotrophic lateral sclerosis (ALS)

Ndingabhalisa nini kwisicwangciso seMedare?

Ngaba ukulungele ukubhalisa kwisicwangciso seMedare eMassachusetts?

Ithuba lakho lokuqala lokubhalisa liya kuba ngexesha lokubhalisa kwakho kokuqala (IEP). Eli lixesha leenyanga ezi-7 eziqala kwiinyanga ezi-3 ngaphambi kosuku lwakho lokuzalwa lwama-65, kubandakanya inyanga yakho yokuzalwa, kunye nokuphela kweenyanga ezi-3 emva kosuku lwakho lokuzalwa. Ngeli xesha, ungabhaliswa ngokuzenzekelayo kwi-Medicare yoqobo ukuba ufumana izibonelelo ezivela kwiBhodi yoRhwebo loMhlala phantsi okanye kwiKhuseleko loLuntu. Abanye banokufuna ukubhalisa ngesandla.

Ngexesha le-IEP yakho, ungakhetha kwakhona kwi-D plan, okanye uqwalasele isicwangciso se-Medicare Advantage eMassachusetts.

Emva kwe-IEP yakho, uya kuba namathuba amabini ngonyaka ukubhalisa kwi-Medicare yoqobo, ukongeza ukogquma, okanye ukutshintshela kwisicwangciso seMedicare Advantage. Uyakwazi ukutshintsha ikhava yakho ngexesha lokubhaliswa kwe-Medicare evulekileyo, oko kukuthi NgoJanuwari 1 ukuya kuMatshi 31, kunye nexesha lokubhaliswa lonyaka kwe-Medicare, ngexesha Oktobha 15 noDisemba 7.

Unokufumana ithuba lokubhalisa elikhethekileyo kwaye ukwazi ukubhalisa kwi-Medicare ngoko nangoko ukuba kutshanje uneenguqu kwi-inshurensi yomqeshi wakho okanye ufumanise ukuba unempilo engapheliyo.

Iingcebiso zokubhalisa kwi-Medicare eMassachusetts

Kuninzi okunokuqwalaselwa xa ukhetha isicwangciso seMedicare. Nazi ezinye iingcebiso zobhaliso zokukunceda ukhethe isicwangciso esifanelekileyo seMedicare:

• Iindleko. Jonga emva kuzo zonke iipremiyamu kunye neendleko ezingaphandle kweepokotho ozihlawule kunyaka ophelileyo. Ngaba isicwangciso sakho se-inshurensi esele sikhona sibonelele ngokwaneleyo? Ukuba akunjalo, jonga isicwangciso esiya kukunika ingxelo ngakumbi kunye nokukunceda ukuba ufikelele kwiinkonzo ozifunayo ukuze ugcine impilo yakho nokuba sempilweni.
• Cwangcisa inethiwekhi. Ingcebiso ebalulekileyo ekufuneka uyikhumbule kukuba ayingabo bonke oogqirha abagutyungelweyo zizo zonke iinshurensi. Ukuba ucinga ngezicwangciso ze-Medicare Advantage eMassachusetts, biza ugqirha wakho kwaye ufumane ukuba zeziphi iinethiwekhi. Oku kuya kukunceda unciphise ukukhangela kwakho ukuze ungadingi ukutshintsha oogqirha.
• Iimfuno zonyango. Cinga ukongeza iCandelo D okanye ukugubungela iziyobisi kwisicwangciso sakho sokuqala seMedicare Massachusetts. Ukuba usandula ukuqala ukuthatha amayeza amatsha, ukongeza iCandelo D okanye ukufumana isicwangciso seNzuzo kunokukunceda ugcine kwiindleko eziphuma epokothweni kunyaka ozayo.
• Ukugubungela ikhemesti. Tsalela ikhemesti yakho ubuze ukuba yeyiphi na ingxelo abayamkelayo. Unokufumana isicwangciso esihle esigubungela amayeza akho kodwa singamkelwa yikhemesti yakho. Khangela enye ikhemesti kwindawo yakho eya kwamkela isicwangciso sokukunceda ugcine kwiindleko zamayeza.

Izibonelelo zaseMassachusetts Medicare

Ukuze ufunde okungakumbi malunga nezicwangciso zokuqala zeMedicare kunye neMedicare eMassachusetts, unokufikelela kwezi zixhobo zilandelayo okanye ufumane iingcebiso kwiingcali.

• Amachiza.gov (800-633-4227). Funda nzulu malunga neenketho zokugubungela, fumana izicwangciso zePACE, kwaye uthelekise izicwangciso ezahlukeneyo zeMedare eMassachusetts.
• KHANYA (800-243-4636). Nge-SHINE, unokufikelela kwi-inshurensi yasimahla ye-inshurensi yezempilo, funda indlela yokuseka iakhawunti ye-MyMedicare, kunye nokufikelela kwiinkqubo zeMass Health.
• Ikhomishini yeinshurensi yeqela (617-727-2310). Ukuba une-GIC yezempilo, fumana iinkcukacha ngokubhalisa kwi-Medicare Massachusetts kunye neendleko zepremiyamu yophando.
• IMassHealth (800-841-2900). Fumanisa ukuba uyakulungela na uKhathalelo olunye kunye nokufikelela kulwazi malunga nemithetho ye-Medicare eMassachusetts.
• Ukukhethwa kweMass (844-422-6277). Nxibelelana neMassOptions ukufumana ulwazi oluthe kratya kukhathalelo lwasekhaya, ukuhlala ngokuzimeleyo kwabantu abadala abakhubazekileyo, kunye nezinye izibonelelo zasimahla.

Ndifanele ndenze ntoni ngokulandelayo?

Ukuba ukulungele ukubhalisa kwiMedicare Massachusetts ngo-2021, thelekisa ngononophelo izicwangciso zeMedare zokulinganisa ukhetho lwakho.

• Misela iiprimiyamu ongathanda ukuzihlawula kwaye ujonge isicwangciso seMedicare eMassachusetts kwindawo yakho eya kuthi ibonelele ngogqatso olufunayo.
• Shayela ugqirha wakho ukuba ufumane ukuba yeyiphi inethiwekhi kwaye uqhathanise ubuncinci beeplani ezintathu zeMedare eMassachusetts.
  • Bhalisa kwi-Medicare kwi-Intanethi okanye ngokutsalela umnxeba isicwangciso ngqo kwi-Medicare.

Nokuba umtsha kwi-Medicare okanye ucinga ngokutshintshela kwisicwangciso se-Medicare Advantage eMassachusetts, unokufumana ngokulula isicwangciso esiza kugubungela zonke iimfuno zakho zempilo ngo-2021.

Eli nqaku lahlaziywa ngo-Okthobha u-5, 2020 ukubonisa ulwazi nge-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.