Izicwangciso zeMontana Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Amayeza okuqala
• Uncedo lweMedicare (Icandelo C) kunye neMedicare Icandelo D
• Zeziphi izicwangciso eziluncedo zeMedicare ezikhoyo eMontana?
• Ngubani ofanelekileyo kwiMedare eMontana?
• Ndingabhalisa nini kwizicwangciso zeMedicare Montana?
• Iingcebiso ngokuBhalisa kwiMedicare eMontana
• Izibonelelo zeMontana Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

Izicwangciso zeMedare eMontana zibonelela ngeendlela ezahlukeneyo zokugubungela. Nokuba ufuna ukhuselo olusisiseko ngeMedicare yoqobo okanye isicwangciso esibanzi seNzuzo yokuNyanga, iMedicare Montana ibonelela ukufikelela kwiinkonzo zononophelo lwempilo kurhulumente.

Yintoni amayeza?

I-Medicare Montana yinkqubo yeinshurensi yezempilo exhaswa ngurhulumente. Inika ukhathalelo lwempilo kubantu abaneminyaka engama-65 nangaphezulu kunye nabo banezigulo ezithile ezinganyangekiyo okanye abakhubazekileyo.

Kukho iindawo ezininzi kwi-Medicare, kwaye ukuqonda la malungu kuya kukunceda ukhethe isicwangciso esifanelekileyo seMedicare eMontana.

Amayeza okuqala

I-Medicare yoqobo yinkqubo ephambili yokugubungela i-inshurensi. Yaqhekeka yangamacandelo amabini: Icandelo A kunye neCandelo B.

Icandelo A, okanye i-inshurensi yesibhedlele, ayinasimahla kubantu abafanelekileyo ukufumana izibonelelo zoKhuseleko lweNtlalo. Icandelo A ligubungela:

• Ukunyamekela esibhedlele
• Unonophelo lwehosisi
• ukunqongophala kwezonyango
• ezinye iinkonzo zononophelo lwempilo ekhaya

Icandelo B, okanye i-inshurensi yezonyango, igubungela:

• ukhathalelo olungaphaya esibhedlele kunye notyando
• ukuvavanywa kwezempilo seswekile, isifo sentliziyo, kunye nomhlaza
• umsebenzi wegazi
• uninzi lotyelelo logqirha
• Iinkonzo zeenqwelo zezigulana

Uncedo lweMedicare (Icandelo C) kunye neMedicare Icandelo D

Uncedo lweMedicare (Icandelo C) lucetyiswa ngeenkampani zabucala zeinshurensi endaweni yeearhente zombuso. Oku kuthetha ukuba uya kuba neenketho ezininzi ngakumbi ngokweenkonzo ezigutyungelweyo kunye neefizi zepremiyamu.

Izicwangciso zonyango zeMedare eMontana:

• Zonke izibhedlele kunye neenkonzo zonyango ezigutyungelwe ngamacandelo okuqala eMedare A kunye no-B
• khetha ukugubungela iziyobisi
• wamazinyo, umbono, kunye nokhathalelo lokuva
• ubulungu bokuqina
• ezinye iinkonzo zothutho

Amacandelo amayeza e-Medicare Icandelo D anikezela ngogqunto ukunciphisa iindleko zakho zamayeza eziphuma epokothweni. Kukho izicwangciso ezahlukeneyo zamachiza, nganye igubungela amayeza ahlukeneyo. Ezi zicwangciso zinokongezwa kwi-Medicare yakho yoqobo. ICandelo D liza kubandakanya iindleko zezitofu zokugonya ezininzi.

Ukukhetha ukhuseleko olufanelekileyo ngokusekwe kwiimfuno zakho zokhathalelo lwempilo kungakhokelela ekubeni ukhethe i-Medicare yoqobo kunye necandelo D lokugubungela, okanye unokufuna ukuphonononga ukhetho lwakho lweMedicare Advantage eMontana.

Zeziphi izicwangciso eziluncedo zeMedicare ezikhoyo eMontana?

Izicwangciso eziluncedo zibonelelwa ngenani labaphethe i-inshurensi yezempilo eyahluka ngokuxhomekeka kwindawo okuyo. Ezi zicwangciso zilungiselelwe ukuhlangabezana neemfuno zononophelo lwempilo zommandla, ke qiniseka ukuba ukhangela izicwangciso ezikhoyo kwingingqi yakho. Aba ngababoneleli ngeinshurensi yezempilo eMontana:

• IBlue Cross kunye neBlue Shield yaseMontana
• Humana
• Ukhathalelo lwezeMpilo lweLasso
• Unyango lwePacificSource
• Ukhathalelo lweZempilo

Ngalinye lala mafutha e-inshurensi yabucala enezicwangciso ezininzi onokukhetha kuzo, kunye namanqanaba eeprimiyamu ezininzi, ke jonga zombini iifizi zepremiyamu kunye noluhlu lweenkonzo zononophelo lwempilo xa uthelekisa izicwangciso.

Ngubani ofanelekileyo kwiMedare eMontana?

Izicwangciso zeMedicare eMontana zinceda abantu xa beneminyaka engama-65 ubudala kunye nabo baneemeko ezithile ezingapheliyo okanye ukukhubazeka. Uninzi lwabantu lubhalise ngokuzenzekelayo kwiCandelo le-Medicare A ngoKhuseleko lweNtlalo.

Kwiminyaka engama-65, unokukhetha ukubhalisa kwiCandelo B, kwiCandelo D, okanye kwisicwangciso seMedicare Advantage. Ukuze ufaneleke kwizicwangciso zeMedare eMontana kufuneka:

• ndineminyaka engama-65 okanye ngaphezulu
• umhlali osisigxina eMontana
• ngummi waseU.S

Abantu abadala abangaphantsi kweminyaka engama-65 banokufumana ilungelo lokufumana i-Medicare. Ukuba ukhubazekile okanye unesifo esinganyangekiyo njenge-amyotrophic lateral sclerosis (ALS) okanye isifo sesifo sokugqibela (ESRD), unokufanelekela ukufumana unyango. Kwakhona, ukuba ubunokufumana izibonelelo ze-Inshurensi yokuKhubazeka kweNtlalontle kwiinyanga ezingama-24, uya kufaneleka kwi-Medicare eMontana.

Ndingabhalisa nini kwizicwangciso zeMedicare Montana?

Nokuba ubhalise okanye awuzange ubhalise ngokuzenzekelayo kwiCandelo A le-Medicare, uya kulungela ixesha lokuqala lobhaliso (IEP) xa uneminyaka engama-65. Ungaqala inkqubo yobhaliso kwiinyanga ezi-3 ngaphambi kosuku lwakho lokuzalwa, kwaye i-IEP iya kwandisa ezinye iinyanga ezi-3. emva komhla wokuzalwa kwakho. Nangona kunjalo, ukuba ubhalisa emva komhla wokuzalwa kwakho, imihla yokuqala yokugubungela iya kulibaziseka.

Ngexesha le-IEP yakho, ungabhalisa kwiCandelo B, kwiCandelo D, okanye kwisicwangciso seMedicare Advantage. Ukuba awubhalisi kwiCandelo D ngexesha le-IEP yakho, kuya kufuneka uhlawule isohlwayo sokubhalisa emva kwexesha kwi-premium yakho yeCandelo D kwixa elizayo.

Ungabhalisa kwizicwangciso ze-Medicare Advantage eMontana okanye kwisicwangciso seCandelo B ngexesha lokubhaliswa kwe-Medicare evulekileyo ukusuka ngo-Okthobha u-15 ukuya ku-Disemba 7 ngonyaka. Ngeli xesha, unokwenza utshintsho kwinkxaso yakho yezempilo. Uyakwazi uku:

• bhalisa kwisicwangciso seMedical Advantage ukuba sele unayo iMedicare yokuqala
• babhalise kwisicwangciso sokuyalela
• ukukhutshwa kwisicwangciso seMedicare Advantage kwaye ubuyele kwiMedicare yoqobo
• tshintsha phakathi kwezicwangciso zeMedicare Advantage eMontana
• tshintsha phakathi kwezicwangciso zamachiza

Izicwangciso zeMedare ziyatshintsha minyaka le, ke unokufuna ukuphinda uvavanye ukogquma kwakho amaxesha ngamaxesha. Kwi-Medicare Advantage ixesha lokubhalisa elivulekileyo ukusuka ngoJanuwari 1 ukuya ku-Matshi 31, ungenza olunye utshintsho kwisigubungelo sakho kubandakanya:

• ukutshintshela kwisicwangciso esinye seMedicare Advantage ukuya kwesinye
• Ukurhoxisa kwisicwangciso seMedicare Advantage kunye nokubuyela kwiMedicare yoqobo

Ukuba usandula ukuphulukana nokugqunywa ngumqeshi, uphumile kwindawo yokugubungela, okanye ulungele iMedicare Montana ngenxa yokukhubazeka, unokufaka isicelo sokubhaliswa okhethekileyo ukuze ufake isicelo seMedare okanye wenze utshintsho kwinkcukacha zakho.

Iingcebiso ngokuBhalisa kwiMedicare eMontana

Kuninzi ekufuneka kuthathelwe ingqalelo xa kuthelekiswa nezicwangciso zeMedicare eMontana, kodwa ngexeshana kunye nophando, unokuziva uqinisekile kwisigqibo sakho. Nazi iingcebiso ezimbalwa zokukunceda ukhethe isicwangciso esihlangabezana neemfuno zakho:

• Bhala phantsi zonke iimfuno zakho zokhathalelo lwempilo. Ngaba ezi mfuno zigutyungelwe lunyango lwantlandlolo? Ukuba akunjalo, khangela izicwangciso ze-Medicare Advantage eMontana ezibonelela nge-inshurensi oyifunayo, kwaye kusekho kuhlahlo lwabiwo-mali.
• Bhala phantsi onke amayeza akho. Isicwangciso ngasinye samachiza kunye nesicwangciso seAdvantage sigubungela amayeza ahlukeneyo, ke qiniseka ukuba ufumana isicwangciso esiza kubonelela ngogonyo olufanelekileyo.
• Yazi ukuba ugqirha wakho ngowayiphi inethiwekhi yeinshurensi. Umntu ngamnye ophethe i-inshurensi yabucala usebenza nabanikezeli benethiwekhi, ke qiniseka ukuba ugqirha wakho uyamkelwa sisicwangciso ocinga ngaso.

Izibonelelo zeMontana Medicare

Unokufumana ngakumbi malunga ne-Medicare Montana, okanye ukufikelela kwizibonelelo ezongezelelweyo, ngokuqhagamshelana:

Unyango (800-633-4227). Ungatsalela umnxeba i-Medicare ngolwazi oluthe kratya malunga nezicwangciso ezibonelelweyo, kunye neengcebiso ezingaphezulu ngokuthelekisa iziCwangciso zeAdvantage kwingingqi yakho.

Isebe leMontana lezeMpilo yoLuntu kunye neeNkonzo zoLuntu, iCandelo eliPhezulu kunye noKhathalelo lwexesha elide (406-444-4077). Fumana ulwazi malunga nenkqubo yoncedo lwenqanawa, iinkonzo zoluntu, kunye neenketho zokhathalelo lwasekhaya.

UMkomishinala Wezokhuseleko ne-Inshurensi (800-332-6148). Fumana inkxaso ye-Medicare, fumana ngakumbi malunga nexesha lokubhalisa, okanye ufumane uncedo lomntu.

Ndifanele ndenze ntoni ngokulandelayo?

Njengoko uphanda ukhetho lwakho lwesicwangciso, kuvavanya ngononophelo iimfuno zakho zangoku kunye nohlahlo-lwabiwo mali ukuze uqiniseke ukuba izicwangciso oziqwalaselayo ziya kugcina okanye ziphucule umgangatho wobomi bakho.

• Qiniseka ukuba izicwangciso ozithelekisayo zonke zinikezelwa kwindawo yakho kunye nekhowudi ye-zip.
• Funda amanqaku eenkwenkwezi ze-CMS zezicwangciso ocinga ngazo. Izicwangciso ezinenqanaba leenkwenkwezi ezi-4 okanye ezi-5 zilinganiswe njengezicwangciso ezintle.
• Tsalela umnxeba isibonelelo kumboneleli okanye ukufikelela kwiwebhusayithi yabo ngolwazi oluthe kratya.
• Qalisa inkqubo yokwenza isicelo kwifowuni okanye kwi-Intanethi.

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.