Izicwangciso zeNebraska Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka eNebraska?
• Ngubani ofanelekileyo kwi-Medicare eNebraska?
• Ndingabhalisa nini kwizicwangciso zeMedicare Nebraska?
• Iingcebiso ngokuBhalisa kwiMedicare eNebraska
• Izibonelelo zeNebraska Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

Ukuba uhlala eNebraska kwaye ufanelekile kwi-Medicare-okanye usondela ekufanelekeni-unokuzibuza malunga nokukhetha kwakho. I-Medicare yinkqubo ye-inshurensi yezempilo yabantu abadala abaneminyaka engama-65 okanye nangaphezulu okanye abantu abakubudala obukhubazekileyo.

Kule minyaka idlulileyo, le nkqubo iye yanda ukuya kubandakanya iinketho onokuzithenga kwiinkampani zeinshurensi zabucala ukomeleza okanye ukubuyisela endaweni ingxelo oyifumana kurhulumente.

Yintoni amayeza?

I-Medicare yenziwe ngamacandelo ahlukeneyo. I-Medicare yoqobo, ukugubungela okufumana ngokuthe ngqo kurhulumente, kubandakanya iinxalenye A kunye no-B.

• Icandelo A linceda ukuhlawula ezinye iindleko zonyango lweenkonzo zonyango olufumana esibhedlele, ukubonelela ngononophelo olunqongopheleyo lokhathalelo lwamaziko okunyamekela abanezakhono kunye neenkonzo zempilo yasekhaya, kwaye ligubungela ukhathalelo lwe-hospice.
• Icandelo B linceda ukuhlawulela ukhathalelo lwezigulana ezingalaliswayo kunye nezinto zonyango ozifumanayo xa ubona ugqirha okanye ingcali.

Ukuba wena okanye iqabane lakho lisebenze iminyaka eli-10 ubuncinci, kufanelekile ukuba ufumane iCandelo A ngaphandle kokuhlawula iipremiyamu. Kungenxa yokuba mhlawumbi sele uyihlawule ngentlawulo yomvuzo. Kuya kufuneka uhlawule ipremiyamu yesiGaba B. Imali yepremiyamu iyahluka ngokuxhomekeka kwizinto ezifana nomvuzo wakho.

I-Medicare yoqobo ayisiyo-100 yeepesenti yokugubungela. Usayihlawula ipokotho xa ubona ugqirha ngohlobo lwee-copays, i-coinsurance, kunye ne-deductibles. Kwaye akukho kugubungela konke konke amayeza kagqirha, ukhathalelo lwexesha elide, okanye iinkonzo zamazinyo okanye umbono.

Ngethamsanqa, kukho izicwangciso zeMedicare onokuzithenga kwiinkampani zeinshurensi zabucala ezinokongeza okanye zitshintshe iMedicare yoqobo:

• Izicwangciso zokuncedisa kwi-Medicare, ngamanye amaxesha zibizwa ngokuba zizicwangciso zeMedigap, zongeza kwi-Medicare yakho yoqobo. Banokunceda ekunciphiseni ezinye zeendleko zokukhuphela kunye nokuqinisekisa ngeemali. Banokongeza amazinyo, umbono, ukhathalelo lwexesha elide, okanye olunye ukhuseleko.
• Izicwangciso zeCandelo D zizicwangciso zamachiza amiselweyo. Banceda ngokukodwa ukuhlawula iindleko zonyango lwamayeza.
• I-Medicare Advantage (Icandelo C) izicwangciso zinikezela "konke-in-nye" enye indlela yokufumana zombini i-Medicare yasekuqaleni kunye nokugubungela ukongeza. Izicwangciso ze-Medicare Advantage zigubungela zonke izibonelelo ezifanayo njenge-Medicare yoqobo, kunye neentlobo zokhuselo olongezelelekileyo onokulufumana ngokongeza isicwangciso sokuncedisa seMedare, kubandakanya iziyobisi, amayeza amazinyo kunye nezinye izibonelelo. Izicwangciso ze-Medicare ze-Advantage zihlala zinezinto ezininzi ezongezelelweyo, nazo, kubandakanywa iinkqubo zempilo kunye nokuphila kakuhle, izaphulelo zamalungu kunye nokunye.

Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka eNebraska?

Ukuba i-Medicare Advantage izandile njengokukhetha okuhle kuwe, kukho inani leenkampani zeinshurensi zabucala ezibonelela ngezicwangciso kwilizwe laseNebraska. Ziquka:

• I-Aetna Medicare
• IBlue Cross kunye neBlue Shield yaseNebraska
• Impilo eqaqambileyo
• Humana
• IMedica
• Isicwangciso sezeMpilo eziDibeneyo, Inc.
• Ukhathalelo lweZempilo

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

Ngubani ofanelekileyo kwi-Medicare eNebraska?

Sisoloko sicinga nge-Medicare njenge-inshurensi yabantu abaneminyaka engama-65 okanye ngaphezulu, kodwa ungabhalisa kwi-Medicare ukuba:

• ndineminyaka engama-65 okanye ngaphezulu
• Ngaphantsi kweminyaka engama-65 kwaye unokukhubazeka okufanelekileyo
• nawuphi na ubudala kwaye unesifo sokugqibela sesifo se-renal (ESRD) okanye i-amyotrophic lateral sclerosis (ALS)

Ndingabhalisa nini kwizicwangciso zeMedicare Nebraska?

Ukuba ukufaneleka kwakho kwe-Medicare kusekelwe kubudala, ixesha lakho lokuqala lokubhalisa liqala kwiinyanga ezintathu ngaphambi kokuzalwa kwakho kwama-65 kwaye iyaqhubeka kwiinyanga ezintathu emva koko. Kuhlala kusengqiqweni ukubhalisa ubuncinci kwiCandelo A ngeli xesha, kuba ngekhe ufune ukuhlawula nantoni na, kwaye izibonelelo zeCandelo A ziya kulungelelanisa nayo nayiphi na inshorensi ekhoyo onayo.

Ukuba wena okanye iqabane lakho niqhubeka nisebenza, kwaye nisakulungele ukufumana ingxelo ngesicwangciso sempilo esixhaswe ngumqeshi, unokukhetha ukuyeka ukubhalisa kwiCandelo B okanye nakuphi na ukongezwa okwangoku ngeli xesha. Kule meko, uya kulungela ixesha elithile lobhaliso kamva.

Ukongeza, kukho ixesha lokubhalisa elivulekileyo ngonyaka ngamnye apho unokufaka khona isicelo seMedare okokuqala okanye ukutshintsha izicwangciso. Ixesha lokubhaliswa ngokubanzi kwizicwangciso ze-Medicare Advantage ziqala ngoJanuwari 1 ukuya ku-Matshi 31 ngonyaka.

Iingcebiso ngokuBhalisa kwiMedicare eNebraska

Xa ulungele ukubhalisa, kubalulekile ukwenza umsebenzi wakho wasekhaya kwizicwangciso zeMedicare eNebraska, ngakumbi ukuba ucinga ngesicwangciso seMedicare Advantage. Ngelixa umthetho womdibaniso ufuna ukuba izicwangciso zeMedicare Advantage zigubungele izibonelelo ezifanayo neMedicare yoqobo, kukho ubhetyebhetye kwindlela izicwangciso ezakhiwe ngayo. Ezinye zizicwangciso zoMbutho wezeMpilo yoLondolozo lwezeMpilo (HMO), ngelixa ezinye zizicwangciso zoMbutho woMboneleli okhethwayo (PPO), umzekelo.

Loluphi uhlobo lwesicwangciso olusebenza kakuhle kuwe kuxhomekeke kwimeko kunye nezinto ozikhethayo. Kunokuba luncedo ukugcina engqondweni imibuzo enjengale ilandelayo:

• Injani inethiwekhi yomboneleli?
• Ngaba uthungelwano lubandakanya oogqirha nezibhedlele endinokuzifuna ezifanelekileyo kum?
• Ngaba ndiza kufuna ukuhanjiswa ukuba ndifuna ukubona iingcali?
• Liza kundibiza malini eli cebo, kokubini kwiipremiyamu nakwindawo yenkonzo xa ndifuna ukhathalelo?
• Ngaba isicwangciso siquka ukugubungela kunye neenkqubo ezinengqiqo kum?

Izibonelelo zeNebraska Medicare

Ezi zixhobo zinokuba luncedo ukukunceda ufunde ngakumbi malunga nokukhetha i-Medicare Nebraska:

• ISebe le-Inshurensi yaseNebraska
• Unyango
• Ulawulo loKhuseleko loLuntu

Ndifanele ndenze ntoni ngokulandelayo?

Xa ulungele ukubhalisa kwisicwangciso seMedicare Nebraska, qaphela la manyathelo alandelayo:

• Yenza uphando kwizicwangciso zakho ezizodwa. Uluhlu olungentla apha lunokuba sisiqalo esihle sokufunda ngakumbi malunga nezicwangciso ze-Medicare Advantage e-Nebraska.
• Inokuba luncedo ukufikelela kwiarhente enobuchwephesha kwiMedicare kwaye inokukunceda uqonde indlela ukhetho lwakho oluchane ngayo ngokuchanekileyo imeko yakho.
• Ukuba uphakathi kokuqala kwakho okanye ixesha lokubhalisa elivulekileyo, gcwalisa isicelo seMedicare kwi-Intanethi kwiwebhusayithi yoLawulo loKhuseleko loLuntu. Isicelo sithatha imizuzu kwaye asifuni naluphi na uxwebhu lokuqala.

Eli nqaku lahlaziywa ngo-Novemba 13, 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.