Izicwangciso zeMichigan Medicare ngo-2021

Umxholo

• Iinkcukacha zeMedicare eMichigan
• Izinketho zeMedare eMichigan
• Amayeza okuqala
• Uncedo lweMedicare eMichigan
• Izicwangciso zonyango lweMedare eMichigan
• Ubhaliso lwamayeza eMichigan
• Iingcebiso zokubhalisa kwiMedicare eMichigan
• Izibonelelo zeMichigan Medicare
• Ndifanele ndenze ntoni ngokulandelayo?
• Ukuthatha

I-Medicare yinkqubo yomdibaniso enceda abantu abadala kunye nabantu abancinci abakhubazekileyo ukuba bahlawule ukhathalelo lwempilo. Kwilizwe liphela, phantse i-62.1 yezigidi zabantu bafumana ezempilo kwi-Medicare, kubandakanya abantu abamalunga ne-2.1 yezigidi eMichigan.

Ukuba uthenga izicwangciso zeMedicare eMichigan, usenokuzibuza ukuba loluphi ukhetho ezikhoyo kunye nendlela yokukhetha isicwangciso esifanelekileyo kuwe.

Iinkcukacha zeMedicare eMichigan

Amaziko e-Medicare kunye neeNkonzo zeMedicaid (i-CMS) axele olu lwazi lulandelayo ngeendlela zeMedare eMichigan kunyaka wesicwangciso se-2021:

• Abahlali baseMichigan abangama-2,100,051 babhaliswa kwi-Medicare.
• I-avareji ye-Medicare Advantage yenyanga nenyanga yehle eMichigan xa kuthelekiswa nonyaka ophelileyo- ukusuka kwi- $ 43.93 ngo-2020 ukuya kwi-38 yeedola ngo-2021.
• Kukho iiplani ezili-169 ze-Medicare Advantage ezikhoyo eMichigan ngo-2021, xa kuthelekiswa nezicwangciso ezili-156 ngo-2020.
• Bonke abahlali baseMichigan abane-Medicare banokufikelela ekuthengeni isicwangciso se-Medicare Advantage, kubandakanya nezicwangciso ezineeprimiyamu ezingama- $ 0.
• Kukho izicwangciso ezingama-29 ezizimeleyo ze-Medicare Part D ezikhoyo eMichigan ngo-2021, xa kuthelekiswa nezicwangciso ezingama-30 ngo-2020.
• Bonke abahlali baseMichigan ngesicwangciso esizimeleyo seCandelo D banokufikelela kwisicwangciso esinepremiyamu yenyanga esezantsi kunokuba behlawulwe ngo-2020.
• Kukho imigaqo-nkqubo engama-69 eyahlukeneyo yeMedigap enikezelwa eMichigan ngo-2021.

Izinketho zeMedare eMichigan

EMichigan, zimbini iindlela eziphambili zokugubungela iMedare: iMedical Medicare kunye neMedicare Advantage. I-Medicare yoqobo ilawulwa ngurhulumente womanyano, ngelixa izicwangciso ze-Medicare Advantage zinikezelwa ziinkampani zabucala.

Amayeza okuqala

I-Medicare yoqobo inamacandelo amabini: Icandelo A kunye neCandelo B.

Icandelo A (i-inshurensi yesibhedlele) ikunceda uhlawulele iinkonzo ezinje ngokuhlala esibhedlele kwabagulileyo kunye nokunyamekelwa kwezakhono.

Icandelo B (i-inshurensi yezonyango) ikunceda ubhatale iinkonzo ezininzi zonyango, kubandakanya neenkonzo zoogqirha, ukuhlolwa kwezempilo, kunye nokunakekelwa kwezigulana ezingalaliswayo.

Uncedo lweMedicare eMichigan

Izicwangciso ze-Medicare ze-Advantage enye enye indlela yokufumana i-Medicare yakho. Ngamanye amaxesha babizwa ngokuba yiCandelo C. Ezi zicwangciso zixutyiweyo kufuneka zigubungele onke amayeza e-A kunye no-B. Rhoqo, zibandakanya iCandelo D, nazo. Izicwangciso ze-Medicare Advantage zinokubonelela ngeenzuzo ezininzi ezongezelelweyo, ezifana nombono, amazinyo kunye nokunyamekela.

Njengomhlali waseMichigan, unokhetho oluninzi lweeMedare. Ukusukela ngo-2021, ezi nkampani zeinshurensi zilandelayo zibonelela ngezicwangciso zeMedicare Advantage eMichigan:

• I-Aetna Medicare
• Inethiwekhi yoKhathalelo oluBlue
• IBlue Cross Blue Shield yaseMichigan
• I-HAP ePhakamileyo ePhakamileyo
• Humana
• Kuqala kwezonyango
• Ukuxhomekeka kwi-Medicare
• Ukhathalelo lweZempilo
• Ukhathalelo
• Impilo yeZing

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

Kweminye iMichiganders, kukho indlela yesithathu yokufumana i-Medicare: MI Health Link. Ezi zicwangciso zokhathalelo ezilawulwayo zezabantu ababhalise kwiMedicare nakwiMedicaid.

Izicwangciso zonyango lweMedare eMichigan

Izicwangciso zokuncedisa kwiMedare (iMedigap) ziluhlobo lweinshurensi ye-Medicare ethengiswa ziinkampani zabucala. Ziyilelwe ukunceda ukuhlawula iindleko zoqobo zeMedare, ezinje:

• Uqinisekiso
• ikopi
• utsalo

Kukho izicwangciso ezili-10 zeMedigap, kwaye nganye inikwa igama leleta. Nokuba yeyiphi na inkampani oyisebenzisayo, ingxelo ebonelelwa sisicwangciso esithile seleta kufuneka ifane. Nangona kunjalo, indleko kunye nokufumaneka kwesicwangciso ngasinye kunokwahluka ngokusekwe kurhulumente, kwisithili, okanye kwikhowudi ye-ZIP apho uhlala khona.

EMichigan, iinkampani ezininzi zeinshurensi zibonelela ngezicwangciso zeMedigap. Ukusukela ngo-2021, ezinye zeenkampani ezibonelela ngezicwangciso zeMedigap eMichigan zibandakanya:

• I-AARP-UnitedHealthcare
• IBlue Cross Blue Shield yaseMichigan
• Cigna
• I-Colonial Penn
• Humana
• Impilo ephambili
• Ifama yaseburhulumenteni

Lilonke, unemigaqo-nkqubo eyahlukeneyo engama-69 eyahlukeneyo onokuyikhetha kulo nyaka ukuba uhlala eMichigan.

Ubhaliso lwamayeza eMichigan

Ukuba ufumana izibonelelo zoKhuseleko lweNtlalo, uya kuthi ubhalise ngokuzenzekelayo kwi-Medicare xa uneminyaka engama-65. Unokubhaliswa ngokuzenzekelayo ekuqaleni kwenyanga yakho yama-25 kwi-SSDI ukuba umdala kwaye ukhubazekile.

Ukuba awubhalisanga ngokuzenzekelayo kwi-Medicare, ungabhalisa ngamaxesha athile apha enyakeni. La maxesha obhaliso alandelayo ayafumaneka:

• Ixesha lokubhalisa lokuqala. Ukuba ufanelekile kwi-Medicare kwi-65, ungasayina ngexesha lokubhaliswa kokuqala kweenyanga ezi-7. Eli xesha liqala kwiinyanga ezi-3 phambi kwenyanga ojika i-65, kubandakanya inyanga yakho yokuzalwa, kwaye iphela kwiinyanga ezi-3 emva kwenyanga yakho yokuzalwa.
• Ixesha lokubhalisa elivulekileyo lonyango. Ukuba unayo i-Medicare, ungenza utshintsho kubume bakho phakathi kuka-Okthobha u-15 no-Disemba 7 minyaka le. Oku kubandakanya ukujoyina isicwangciso seMedicare Advantage.
• Uncedo lweMedicare ithuba lokubhalisa elivulekileyo. Phakathi kukaJanuwari 1 no-Matshi 31 minyaka le, abantu abanezicwangciso zeMedicare Advantage banokutshintsha isigubungelo sabo. Ngeli xesha, ungatshintshela kwisicwangciso esitsha seMedare okanye ubuyele kwiMedicare yoqobo.
• Amaxesha obhaliso olulodwa. Ungasayina ngamanye amaxesha onyaka ukuba ufumana amava athile obomi, njengokulahlekelwa sisicwangciso sempilo esisekwe kumqeshi wakho okanye ngokuzithandela kwilizwe langaphandle.

Iingcebiso zokubhalisa kwiMedicare eMichigan

Ukukhetha isicwangciso seMedicare eMichigan sisigqibo esikhulu. Nazi ezinye zezinto onokufuna ukucinga ngazo njengoko ujikeleza:

• Inethiwekhi yomboneleli. Ukuba ukhetha ukubhalisa kwisicwangciso se-Medicare Advantage, ngokubanzi kufuneka ufumane ukhathalelo lwakho kubanikezeli benethiwekhi. Ngaphambi kokuba ubhalise, fumana ukuba oogqirha, izibhedlele, kunye namaziko owatyelelayo yinxalenye yenethiwekhi yesicwangciso.
• Indawo yenkonzo. I-Medicare yoqobo iyafumaneka kwilizwe liphela, kodwa izicwangciso zeMedicare Advantage zikhonza iindawo ezincinci zenkonzo. Fumanisa ukuba yeyiphi na inkonzo yenkonzo yesicwangciso ngasinye, kunye nokuba yeyiphi ingxelo onayo ukuba uya ngaphandle kwendawo yenkonzo.
• Iindleko eziphuma epokothweni. Kuya kufuneka uhlawule iipremiyamu, iimali ezixhuzulwayo, okanye iintlawulo ezikhutshelweyo kwi-Medicare yakho. Izicwangciso ze-Medicare ze-Advantage zinamaxabiso aphezulu aphuma epokothweni ngonyaka. Qiniseka ukuba isicwangciso osikhethayo siyakulunga kuhlahlo-lwabiwo mali.
• Izibonelelo. Izicwangciso ze-Medicare Advantage kufuneka zigubungele iinkonzo ezifanayo njenge-Medicare yoqobo, kodwa zinokubonelela ngezibonelelo ezongezelelweyo, ezinjengokunakekelwa kwamazinyo okanye umbono. Banokubonelela ngezixhobo ezifana neenkqubo zokuphila kakuhle kunye neziyobisi ezingaphaya kwekhawuntare.
• Enye ingxelo yakho. Ngamanye amaxesha, ukusayinela isicwangciso seMedicare Advantage kuthetha ukuba ulahlekelwe yimanyano yakho okanye ukhuseleko kumqeshi. Ukuba sele unengxelo, fumana ukuba iya kuchaphazeleka njani kwi-Medicare ngaphambi kokuba wenze naziphi na izigqibo.

Izibonelelo zeMichigan Medicare

Ukuba ufuna ukufunda ngakumbi malunga nezicwangciso zeMedare eMichigan, ezi zixhobo zilandelayo zinokuba luncedo:

• Inkqubo yoNcedo lweMichigan Medicare / Medicaid, 800-803-7174
• Ukhuseleko lweNtlalo, 800-772-1213

Ndifanele ndenze ntoni ngokulandelayo?

Ukuba ukulungele ukubhalisela i-Medicare, okanye ukuba ufuna ukufunda ngakumbi ngezicwangciso ze-Medicare Advantage eMichigan:

• Nxibelelana neNkqubo yoNcedo lweMichigan Medicare / iMedicaid ukufumana ingcebiso yezempilo yasimahla kunye nokunceda ukuhamba ngeMedicare.
• Gcwalisa isicelo se-intanethi kwiwebhusayithi yoKhuseleko loLuntu, okanye ufake isicelo kumntu kwi-Ofisi yoKhuseleko loLuntu.
• Thelekisa izicwangciso ze-Medicare Advantage kwi-Medicare.gov, kwaye ubhalise kwisicwangciso.

Ukuthatha

• Malunga nabantu abayi-2.1 yezigidi eMichigan babhaliswa kwiMedicare ngo-2020.
• Kukho iinkampani ezininzi zeinshurensi zabucala ezibonelela ngeendlela ezahlukeneyo zeMedicare Advantage eMichigan.
• Ngokubanzi, iindleko zepremiyamu zanyanga zonke zinciphile kwizicwangciso ze-2021 ze-Medicare Advantage eMichigan.
• Kukho iinketho ezininzi zeCandelo D kunye neMedigap ukuba uhlala eMichigan kwaye unomdla wokuthenga ezo zicwangciso.

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.