Izicwangciso zeNyango yaseNyakatho Dakota ngo-2021

Umxholo

• Yintoni amayeza?
• Icandelo A no-B
• Icandelo C
• Icandelo D
• IMedigap
• Zeziphi izicwangciso eziluncedo zeMedicare ezikhoyo eNorth Dakota?
• Ngubani ofanelekileyo kwi-Medicare eMantla Dakota?
• Ndingabhalisa nini kwiMedicare North Dakota?
• Ubhaliso lokuqala (iinyanga ezisi-7 malunga neminyaka engama-65 yokuzalwa)
• Ubhaliso ngokubanzi (ngoJanuwari 1 ukuya kuMatshi 31) kunye nobhaliso lonyaka (nge-15 ka-Okthobha ukuya ku-Disemba 7)
• Ubhaliso olulodwa
• Iingcebiso zokubhalisa kwiMedicare eMantla Dakota
• Izibonelelo zeMedicare eMantla Dakota
• Ndifanele ndenze ntoni ngokulandelayo?

I-Medicare sisicwangciso seinshurensi yezempilo exhaswa ngurhulumente efumaneka eMantla Dakota kubantu abaneminyaka engama-65 nangaphezulu okanye abo baneemeko ezithile zezempilo okanye abakhubazekileyo.

Ukusuka kwi-Medicare yoqobo ukuya ekugubungeleni iziyobisi kunye nezicwangciso zeAdvantage eMantla Dakota, i-Medicare inoluhlu oluninzi lwezicwangciso kunye neenketho zokugubungela ukulungela uhlahlo-lwabiwo mali kunye neemfuno zakho zokhathalelo lwempilo.

Yintoni amayeza?

Xa ujonga ukhetho lwakho kwizicwangciso zeMedicare eMantla Dakota, kuya kufuneka kuqala uthathe isigqibo kwinqanaba lokugubungela olifunayo.

Icandelo A no-B

Izicwangciso zoqobo zeMedicare eMantla Dakota zibonelela ngomshuwalense wezempilo oxhaswa ngurhulumente esibhedlele nakwezonyango. I-Medicare yoqobo yohlulwa-hlulwa ibe yiCandelo A (i-inshurensi yesibhedlele) kunye neCandelo B (iinshurensi yezonyango)

Ukugubungela iMedicare yoqobo kubandakanya:

• Ukunyamekela esibhedlele
• uvavanyo lomzimba lonyaka
• iimvavanyo zelebhu
• ukunqongophala, ukhathalelo lwempilo ekhaya
• Unonophelo oluncinci kakhulu, unonophelo lwezakhono zokonga lwexeshana
• Iinkonzo zeenqwelo zezigulana
• ukhathalelo lwempilo yengqondo

Uninzi lwabantu lubhalise ngokuzenzekelayo kwiCandelo A xa begqiba iminyaka engama-65 ubudala.

Icandelo C

I-Medicare Advantage (Icandelo C) izicwangciso eMantla Dakota zinikezelwa ngabaphethe i-inshurensi yabucala, kwaye zibonelela ngakumbi ngokugubungela ukhathalelo lwempilo kuneMedicare yoqobo.

Isibonelelo sokugubungela isibonelelo kubandakanya:

• yonke into yoqobo egubungela
• ukugubungela iziyobisi kuluhlu oluthile lwamayeza
• Inketho yokuzikhethela kwezinye iinkonzo ezinje ngamazinyo, ukuva, okanye umbono

Icandelo D

Ukukhuselwa kweziyobisi ngugqirha kunikezelwa ngabaphethe i-inshurensi yabucala njengezicwangciso zeCandelo D. Unokongeza isicwangciso seCandelo D kwisicwangciso sakho sokuqala seMedicare North Dakota soncedo lokugubungela iindleko zamayeza akho.

Isicwangciso ngasinye sinoluhlu olwahlukileyo lwamayeza agqunywe, awaziwa njenge-formulary. Ke, xa uthelekisa izicwangciso zeCandelo D, jonga uluhlu ngokuchasene nemigqaliselo oyithathayo ukuqinisekisa ukuba iyabandakanywa.

IMedigap

Izicwangciso zokuncedisa iMedare (iMedigap) eMantla Dakota zinikezelwa ngabaphethe i-inshurensi yabucala, kwaye bahlawula iindleko eziphuma epokothweni ezinje ngee-copays kunye ne-coinsurance engenziwanga zizicwangciso zeMedare.

Awunakho ukuthenga zombini iCandelo C kunye neMedigap. Kuya kufuneka ubhalise kwi-Medicare yoqobo kwaye unokukhetha iCandelo C okanye iMedigap.

Zeziphi izicwangciso eziluncedo zeMedicare ezikhoyo eNorth Dakota?

Izicwangciso ze-Medicare Advantage eMntla Dakota zonke zinikezelwa ngabaphethe i-inshurensi yabucala. Umntu ophetheyo unikezela ngezicwangciso zeinshurensi ezizodwa ngeendlela ezahlukeneyo zokugubungela kunye namaxabiso epremiyamu

Ababoneleli kunye nezicwangciso ziyahluka ngokommandla, ke xa ukhangela izicwangciso zeMedicare Advantage eMantla Dakota, qiniseka ukuba ujonge kuphela ezifumaneka kwikhowudi yakho ye-ZIP nakwindawo.

Abathwali abadweliswe ngezantsi banikezela ngezicwangciso zeCandelo C ezivunyiweyo ze-Medicare kubahlali baseMantla Dakota:

• UAetna
• AbaPhathi beMpilo
• Humana
• Ukhathalelo lwezeMpilo lweLasso
• IMedica
• OlandelayoBlue eNyakatho Dakota
• Ukhathalelo lweZempilo

Ngubani ofanelekileyo kwi-Medicare eMantla Dakota?

Kufuneka udibane kuphela neendlela zokufaneleka ezimbalwa kwizicwangciso zeMedicare eMantla Dakota:

• kufuneka ubeneminyaka engama-65 okanye ngaphezulu
• Kuya kufuneka ube ungummi wase-U.S. okanye umhlali osisigxina e-United States

Ngaba ungaphantsi kweminyaka engama-65? Usenokufanelekela i-Medicare ukuba:

• ukhubazekile
• Ufumana izibonelelo zokukhubazeka kuKhuseleko lweNtlalo kangangeenyanga ezingama-24 okanye nangaphezulu
• unesifo esinganyangekiyo esifana nesifo sokugqibela sezintso (ESRD) okanye i-amyotrophic lateral sclerosis (ALS)

Ndingabhalisa nini kwiMedicare North Dakota?

Uya kuba namathuba aliqela okubhalisa kwi-Medicare okanye utshintshe ingxelo yakho. Kubalulekile ukuba uqaphele imihla ukuze ungaphoswa lithuba lokwenza naluphi na utshintsho olifunayo.

Ubhaliso lokuqala (iinyanga ezisi-7 malunga neminyaka engama-65 yokuzalwa)

Ithuba lakho lokuqala lokubhalisa kwizicwangciso zeMedicare eMantla Dakota yifestile yeenyanga ezi-7 ejikeleze usuku lwakho lokuzalwa lwama-65. Ungaqala inkqubo yobhaliso kwiinyanga ezi-3 ngaphambi komhla wokuzalwa kwakho. Iyaqhubeka ngenyanga yakho yokuzalwa kunye neenyanga ezi-3 emva komhla wokuzalwa kwakho.

Eli xesha lokuqala lokubhalisa linokuqaliswa ngokuzenzekelayo nguLawulo loKhuseleko loLuntu, kodwa kusaya kufuneka uthathe isigqibo sokuba uyafuna na ukubhalisa kwisicwangciso samachiza okanye isicwangciso seAdvantage.

Ubhaliso ngokubanzi (ngoJanuwari 1 ukuya kuMatshi 31) kunye nobhaliso lonyaka (nge-15 ka-Okthobha ukuya ku-Disemba 7)

Emva kokuba ubhalisile kwi-Medicare, uya kuba namathuba amabini ngonyaka wokuphinda uhlaziye i-coverage yakho yangoku, wenze utshintsho kwizicwangciso zakho, utshintshele kwisicwangciso se-Advantage, okanye ushiye isicwangciso se-Advantage kwaye ubuyele kwi-Medicare yase-North Dakota yoqobo.

Ngexesha lokubhalisa ngokubanzi ukusuka kuJanuwari 1 ukuya kuMatshi 31 kunye nexesha lokubhalisa elivulekileyo ukusuka ngo-Okthobha u-15 ukuya ku-Disemba 7, ungenza utshintsho kwingxelo yakho. Qaphela ukuba ukubhaliswa okuvulekileyo kwi-Medicare kwenzeka kwakhona ngoJanuwari 1 ukuya ku-Matshi 31.

Ubhaliso olulodwa

Ngaba usandula ukufudukela kwisithili esitsha okanye uwushiye umsebenzi wakho? Unokwenza utshintsho kubhengezo lwakho lwangoku okanye ubhalise kwizicwangciso zeMedicare eMantla Dakota ngexesha lokubhaliswa okukhethekileyo. Ezinye zeemeko eziya kukhokelela kwixesha elithile lobhaliso zibandakanya:

• ukuphuma kuluhlu lokugubungela okwangoku
• ukufudukela kwindawo yokhathalelo yexesha elide
• ukujoyina iNkqubo yoKhathalelo lwaBantu aBadala (PACE) ebandakanya konke
• Ukuphulukana nenkxaso yezempilo exhaswa ngumqeshi
• ukubhalisa kwinkxaso yezempilo exhaswa ngumqeshi

Iingcebiso zokubhalisa kwiMedicare eMantla Dakota

Ngeendlela ezininzi zokugubungela-kwaye zombini urhulumente kunye nezicwangciso zabucala onokukhetha kuzo-kuya kuthatha ixesha elithile ukukala ukhetho lwakho, thelekisa izicwangciso, kwaye ufumane olinganisa iimfuno zakho zokhathalelo lwempilo kunye nohlahlo-lwabiwo mali lwakho lwangoku. Nanga amanyathelo onokuwalandela:

1. Qalisa ukukhangela usebenzisa ikhowudi yakho ye-ZIP xa ujonge izicwangciso zamayeza amiselweyo okanye izicwangciso zeMedicare Advantage eMantla Dakota. Ngale ndlela, awuyi kuchitha ixesha lakho ufunda ukuprinta okuhle kwizicwangciso ezinganikwanga nokunikezelwa kwingingqi yakho.
2. Emva koko, tsalela iofisi kagqirha wakho. Uninzi loogqirha baya kwamkela i-Medicare yokuqala yokugubungela kodwa basebenze kunye nabambalwa kuphela ababoneleli be-inshurensi yangasese. Fumanisa ukuba zeziphi izithuthi abazamkelayo.
3. Okwesithathu, yenza uluhlu olupheleleyo lwawo onke amayeza akho kunye neyeza. Ukuba ucinga iCandelo C (i-Medicare Advantage) okanye iSicwangciso seCandelo D, jonga olu luhlu ngokuchasene noluhlu lwamayeza agutyungelwe sisicwangciso ngasinye.
4. Okwangoku, kuya kufuneka unoluhlu olufutshane lwezicwangciso onokukhetha kuzo. Fumanisa ukuba zithini na izicwangciso zamalungu ngesicwangciso ngasinye ngokujonga ubungakanani beenkwenkwezi. Kwinkqubo yokulinganiswa kweenkwenkwezi, amalungu alinganisa isicwangciso sawo kwisikali esi-1 ukuya kwisi-5, kuxhomekeke kwindlela abaneliseke ngayo kunyaka ophelileyo. Le nkqubo ibeka izicwangciso ngokusekwe kwisicwangciso sokuphendula, izikhalazo zamalungu, kunye nenkonzo yabathengi, phakathi kwezinye iindidi. Ceba ukukhetha isicwangciso esinenkwenkwezi ezi-4 okanye ngaphezulu, ukuba kunokwenzeka.

Izibonelelo zeMedicare eMantla Dakota

Ukuba ungathanda ukufikelela kwizibonelelo ezongezelelweyo malunga nezicwangciso zeMedicare eMantla Dakota, ungaqhagamshelana nemibutho yakho yaseburhulumenteni nangaliphi na ixesha. Oku kokugcina engqondweni:

• Inkqubo yeNgcebiso nge-Inshurensi yezeMpilo kaRhulumente (i-SHIC). Inkqubo ye-SHIC iya kukunika ingcebiso yasimahla malunga neMedicare okanye enye inshorensi yezempilo. Ungatsalela umnxeba i-SHIC apha 888-575-6611.
• ISebe laBantu aBadala neNkonzo zaBadala. Nxibelelana neeNkonzo zaBantu abaDala kunye nokuGuga (855-462-5465) ukufumana okungakumbi malunga nokuncediswa kokuhlala, ukhathalelo lwasekhaya, kunye nokhathalelo lwexesha elide.
• I-North Dakota ePhakamileyo yeMatriki Patrol. I-Medicare Patrol ibhaqa kwaye ithintele ubuqhetseba be-Medicare kunye nokusetyenziswa gadalala ngokufikelela, ngemfundo, kunye neengcebiso. Unokufikelela kwi-Medicare Patrol ngo-800-233-1737.

Ndifanele ndenze ntoni ngokulandelayo?

Ukuba usondela kwiminyaka engama-65 okanye sele uza kuthatha umhlala-phantsi, thelekisa izicwangciso zeMedicare eMantla Dakota ukufumana eyona iya kuthi ihlangabezane kakuhle nezempilo kunye neemfuno zebhajethi. Khumbula uku:

• Gqiba kwinqanaba lokukhuselwa kwezempilo ongathanda ukuba nalo. Unokukhetha phakathi kwe-Medicare yoqobo, isicwangciso secandelo se-D esongeziweyo, okanye izicwangciso ze-Medicare Advantage eMantla Dakota yokufumana ingxelo ebanzi.
• Nciphisa uphando lwakho usebenzisa amanyathelo angentla kwaye uthathe isigqibo kwizicwangciso zakho eziphezulu.
• Nxibelelana ne-Medicare, umphathi wesicwangciso, okanye umcebisi wakho we-SHIC wengingqi ukuze ufumane iingcebiso ngezicwangciso okanye ukuqala inkqubo yobhaliso ukuba ugqibe kwisicwangciso.

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.