Izicwangciso zeNew Medicare Plans ngo-2021

Umxholo

• Yintoni amayeza?
• Amayeza okuqala
• Ukuthwala iziyobisi
• Izicwangciso zonyango zeMedare
• Zeziphi izicwangciso ze-Medicare eziluncedo ezifumanekayo eNew Mexico?
• Ngubani ofanelekileyo kwi-Medicare eNew Mexico?
• Ndingabhalisa nini kwizicwangciso zeMedicare New Mexico?
• Ixesha lokubhalisa lokuqala
• Ixesha lobhaliso oluvulekileyo (ngoJanuwari 1 ukuya kuMatshi 31) kunye nexesha lokubhaliswa lonyaka (nge-15 ka-Okthobha ukuya ku-Disemba 7)
• Ixesha elithile lobhaliso
• Iingcebiso ngokuBhalisa kwiMedicare eNew Mexico
• Izibonelelo ezitsha zaseMexico zeMedare
• Ndifanele ndenze ntoni ngokulandelayo?

I-Medicare New Mexico ibonelela ngokhuseleko kubantu abaneminyaka engama-65 nangaphezulu kurhulumente, kwaye ngo-2018, abantu abangama-409,851 babhaliswa kwizicwangciso zeMedicare eNew Mexico. Kukho iintlobo ezininzi zezicwangciso kunye nabanikezeli be-inshurensi, ngoko uphando malunga nokukhetha kwakho ngaphambi kokuba ubhalisele i-Medicare New Mexico.

Yintoni amayeza?

Kukho iintlobo ezine eziphambili zezicwangciso zeMedare eNew Mexico, kwaye ukuqonda nganye nganye kuya kukunceda wenze isigqibo esinolwazi malunga neemfuno zakho zonyango. Uhlobo ngalunye lubonelela ngeendlela ezahlukeneyo zokugubungela, ukusuka kwisiseko ukuya kubanzi.

Amayeza okuqala

Eyaziwa ngokuba yiCandelo A kunye neCandelo B, i-Medicare yaseMexico yasekuqaleni inikezela ngokhuseleko olusisiseko kubantu abaneminyaka engama-65 nangaphezulu kwi-United States. Ukuba ukulungele ukufumana izibonelelo zokhuselo loluntu, kusenokwenzeka ukuba sele ubhalisile kwiCandelo A kwaye unokulungela ukuhlawulwa ngaphandle kwentlawulo.

Ukugubungela iMedicare yoqobo kubandakanya:

• iinkonzo zesibhedlele
• Unonophelo lwehosisi
• iinkonzo zempilo zasekhaya
• ukuhlala kwiziko labongikazi abanexeshana elifutshane
• Iinkonzo zonyango
• ugonyo lonyaka lomkhuhlane
• iimvavanyo zegazi
• ukuqeshwa kukagqirha

Ukuthwala iziyobisi

Izicwangciso ze-Medicare Icandelo D eNew Mexico zibonelela ngogonyo lweziyobisi. Kukho inani lezicwangciso onokukhetha kuzo, nganye inoluhlu olukhethiweyo lwemigqaliselo egutyungelweyo.

Unokongeza icandelo D kwi-Medicare yakho yoqobo ukuhlawula iindleko zamayeza.

Izicwangciso zonyango zeMedare

Izicwangciso zeMedicare Advantage (Icandelo C) eNew Mexico, ekwabizwa ngokuba yiCandelo C, ikunika uluhlu lwezinto onokukhetha kuzo kuzo zonke iincandelo zepremiyamu.

Ezi zicwangciso zonke-in-nye zibandakanya zonke iinkonzo ezigutyungelwe yi-Medicare yoqobo, kunye nokugubungela iziyobisi. Ezinye izicwangciso ze-Medicare Advantage eNew Mexico nazo zibandakanya ukongezwa kweenkqubo zempilo kunye nokuphila, ukukhusela impilo, ukunakekelwa kwamazinyo, okanye iimfuno zombono.

Zeziphi izicwangciso ze-Medicare eziluncedo ezifumanekayo eNew Mexico?

Isicwangciso sokuthwala abathwali eNew Mexico kubandakanya:

• UAetna
• Konke
• Ukhathalelo loLuntu lwaseAmerigroup eNew Mexico
• IBlue Cross Blue Shield yeNM
• Isicwangciso seMpilo sikaKrestu Izizukulwana
• Cigna
• Humana
• Iinkampani ze-Imperial Insurance, Inc.
• Ukhathalelo lwezeMpilo lweLasso
• Ukhathalelo lwempilo lweMolina eNew Mexico, Inc.
• Inkampani yase-Presbyterian Insurance, Inc.
• Ukhathalelo lweZempilo

Ngalunye lwezi zinto ziphetheyo lubonelela ngezicwangciso ezininzi zeMedare kunye nokubonelela ngayo yonke into ukusuka ekusetyenzisweni okusisiseko ukuya kugubungela impilo kunye neziyobisi.

Ayizizo zonke izinto ezithwala abantu abanikezela ngeinshurensi kuzo zonke izithili, ke jonga iimfuno zendawo ekuyo umboneleli ngamnye, kwaye usebenzise ikhowudi ye-ZIP xa ukhangela ukuqinisekisa ukuba ujonga kuphela izicwangciso ezikhoyo kwingingqi yakho.

Ngubani ofanelekileyo kwi-Medicare eNew Mexico?

Uninzi lwabantu abaneminyaka engama-65 nangaphezulu banelungelo lokufumana i-Medicare New Mexico. Ukuze ufaneleke kufuneka:

• ube neminyaka engama-65 okanye ngaphezulu
• ube ngummi okanye umhlali osisigxina eUnited States kule minyaka mi-5 nangaphezulu idlulileyo

Ukuba ungaphantsi kweminyaka engama-65, unokufumana isiqinisekiso seMedicare New Mexico ukuba:

• unokukhubazeka ngokusisigxina
• be befanelekile ukuba bafumane izibonelelo zokukhubazeka kwezokuHlala kwiinyanga ezingama-24
• unesifo esinganyangekiyo njenge-amyotrophic lateral sclerosis (ALS) okanye isifo sesifo sokugqibela (ESRD)

Unelungelo lokufumana icandelo le-A elingena-premium ukuba uhlangabezana nenye yezi mfuno zilandelayo:

• wena okanye iqabane lakho ninelungelo kwizibonelelo ezivela kwiNtlalo yoKhuseleko
• wena okanye iqabane lakho ninelungelo lokufumana izibonelelo ezivela kwiBhodi yoMhlala phantsi yoLoliwe
• Usebenze apho wahlawula irhafu ye-Medicare

Ndingabhalisa nini kwizicwangciso zeMedicare New Mexico?

Ixesha lokubhalisa lokuqala

Eli lithuba lakho lokuqala ukubhalisa kwi-Medicare New Mexico. Eli xesha leenyanga ezi-7 liqala iinyanga ezi-3 phambi kwenyanga ojika ngayo i-65, kubandakanya inyanga yakho yokuzalwa, kwaye yolula iinyanga ezi-3 emva kokujika kwakho i-65. Ungabhalisa kumacandelo e-Medicare A kunye no-B ngeli xesha.

Ixesha lobhaliso oluvulekileyo (ngoJanuwari 1 ukuya kuMatshi 31) kunye nexesha lokubhaliswa lonyaka (nge-15 ka-Okthobha ukuya ku-Disemba 7)

Ithuba lakho elilandelayo lokubhalisa kwi-Medicare ngala maxesha minyaka le.

Ngala maxesha mabini unga:

• yongeza icandelo loku-D kwi-Medicare yakho yoqobo
• tshintsha kwi-Medicare yoqobo uye kwisicwangciso seNzuzo
• tshintshela kwisicwangciso seNzuzo ukubuyela kwiMedicare yoqobo
• tshintsha phakathi kwezicwangciso zeMedicare zeNzuzo eNew Mexico

Ixesha elithile lobhaliso

Unokwazi ukubhalisa ngeli xesha ukuba uphulukene nezibonelelo zomqeshi wakho kutshanje okanye ufudukele ngaphandle koluhlu lwesicwangciso sakho sangoku. Unako nokufumana ubhaliso olukhethekileyo ukuba usandula ukufudukela kwikhaya labantu abalupheleyo, okanye ukuba ulungele isicwangciso seemfuno ezizodwa ngenxa yokukhubazeka okanye ukugula okungapheliyo.

Iingcebiso ngokuBhalisa kwiMedicare eNew Mexico

Ngezicwangciso ezininzi zeMedicare eNew Mexico, kuya kuthatha ixesha ukufumana isicwangciso esifanelekileyo seemfuno zakho zempilo kunye nohlahlo-lwabiwo mali. Nazi ezinye iingcebiso zokukunceda uvavanye ukhetho lwakho lwesicwangciso.

1. Fumanisa ukuba ugqirha okanye ikhemesti oyikhethileyo igqunyiwe. Icandelo ngalinye le-Medicare Part D kunye ne-Advantage Plan elisebenza kunye nenani elimiselweyo loogqirha kunye nee-pharmacy ezivunyiweyo zenethiwekhi. Tsalela umnxeba kwiofisi kagqirha wakho ukuze ufumanise ukuba zeziphi iziphathamandla abasebenza nazo, kwaye uqiniseke ukuba ucinga kuphela ngezicwangciso eziza kugubungela ukuqeshwa kogqirha wakho.
2. Yenza uluhlu olupheleleyo lwamayeza akho kunye nemigqaliselo. Isicwangciso ngasinye sinoluhlu lweziyobisi ezigutyungelweyo, ke thelekisa olo luhlu ngokuchasene nolwakho kwaye ukhethe kuphela isicwangciso esiya kukubonelela ngesigqubuthelo esifanelekileyo sonyango
3. Thelekisa amanqaku. Ukufumanisa ukuba abanye bacinge ntoni ngesicwangciso ngasinye, thelekisa amanqaku eenkwenkwezi kwisicwangciso ngasinye ukubona ukuba yeyiphi eqhuba ngcono. I-CMS isebenzisa inkqubo yokulinganiswa kweenkwenkwezi ezi-1 ukuya kwezi-5, apho i-4 okanye i-5 ibonisa ukuba abantu ababebhalise kwisicwangciso kunyaka ophelileyo babenamava amnandi ngaso.

Izibonelelo ezitsha zaseMexico zeMedare

Ukuba ufuna ingcebiso ngendlela yokukhetha isicwangciso, okanye ukucacisa ukufaneleka kwakho okanye imihla yokubhalisa, nxibelelana nayo nayiphi na le mibutho ilandelayo ukuze ufumane uncedo.

• ISebe elitsha laseMexico lokuGuga kunye neeNkonzo zeXesha elide, 800-432-2080. Isebe lokuguga linikezela ngeengcebiso ezingenamkhethe kwi-Medicare, iinkonzo zeNkqubo yoNcedo lwe-Inshurensi yezeMpilo (i-SHIP), ulwazi lwe-Ombudsman, kunye nokufikelela kwiinkonzo ezinje ngokutya okanye ukutya.
• Ukuhlawulela uKhathalelo lwaBadala, 206-462-5728. Fumanisa malunga noNcedo lwezeMithi eNtsha eMexico, kunye noncedo lwezezimali lokhathalelo kunye nokuphila okuncedisiweyo.
• Unyango, 800-633-4227. Nxibelelana noMedicare ngokuthe ngqo ukubuza malunga nezicwangciso zeMedicare eNew Mexico, ubuze malunga neMilinganiselo yeNkwenkwezi, okanye ubuze malunga namaxesha obhaliso olukhethekileyo.

Ndifanele ndenze ntoni ngokulandelayo?

Ngaba ukulungele ukubhalisa kwi-Medicare New Mexico? Qiniseka ukuba uyilungele iMedicare kwaye emva koko uqalise ukubhalisa ngo:

• Ukuchonga ukuba ungabhalisa nini kwi-Medicare, nokuba ngethuba lokubhalisa kwakho kokuqala okanye ngexesha lokubhalisa okuvulekileyo.
• Ukuphonononga ukhetho lwakho lokugubungela, kwaye ukhethe isicwangciso esibonelela ngononophelo lwempilo kunye nokugubungela iziyobisi ozifunayo kwipremiyamu efanelekileyo.
• Fowunela i-Medicare okanye umboneleli we-inshurensi ukuze uqalise inkqubo yobhaliso.

Eli nqaku lahlaziywa ngo-Novemba 20, 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.