Izicwangciso zeVermont Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Zeziphi izicwangciso eziluncedo zeMedicare ezikhoyo eVermont?
• Ngubani ofanelekileyo kwi-Medicare eVermont?
• Ndingabhalisa nini kwizicwangciso zeMedicare Vermont?
• Iingcebiso ngokuBhalisa kwiMedare eVermont
• Izixhobo zeVermont Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

Ukuba uhlala eVermont kwaye kufanelekile ukuba ubhalise kwi-Medicare, okanye ukuba kungekudala uza kufaneleka, ukuthatha ixesha lokuziqonda ngokupheleleyo iinketho zakho zokugubungela kunokukunceda ukhethe eyona nkxaso ibalaseleyo kwiimfuno zakho.

I-Medicare sisicwangciso se-inshurensi yezempilo exhaswa ngurhulumente kubantu abaneminyaka engama-65 okanye nangaphezulu kunye nabo bakhubazekileyo.Kukho izinto zeMedare onokuzifumana ngokuthe ngqo kurhulumente kunye neenxalenye onokuzithenga kwiinkampani zeinshurensi zabucala ukongeza okanye ukubuyisela endaweni leyo.

Funda ukuze ufunde ngakumbi ngeMedicare kunye neenketho zakho zokugubungela.

Yintoni amayeza?

I-Medicare yenziwe ngamacandelo ahlukeneyo. Icandelo A no-B ziinxalenye onokuzifumana kurhulumente. Ngokudibeneyo, benza into eyaziwa ngokuba yiMedicare yoqobo:

• Icandelo A yi-inshurensi yesibhedlele. Kuyanceda ukuhlawula iindleko zonyango olunyanga esibhedlele olufumana esibhedlele, ukhathalelo lwe-hospice, ukhathalelo olulinganiselweyo kwiziko labongikazi abanezakhono, kunye nezinye iinkonzo zekhaya ezinqongopheleyo.
• Icandelo B linceda ukuhlawulela ukhathalelo lwempilo yezigulana ezingalaliswayo, ezinje ngeenkonzo kunye nezinto ozifumanayo xa usiya kwagqirha, kubandakanya ukhuseleko.

Ukuba wena okanye iqabane lakho lisebenze iminyaka eli-10 ubuncinci, ngekhe ufune ukuhlawula ipremiyamu yenxalenye A. Oku kungenxa yokuba sele uyihlawule ngentlawulo yomvuzo. Intlawulo oyibhatalayo yenxalenye B ixhomekeke kwizinto ezifana nomvuzo wakho.

I-Medicare yoqobo ihlawulela okuninzi, kodwa kukho izikhewu ekugubungeleni. Kusafuneka uhlawule iindleko zokuphuma epokothweni xa usiya esibhedlele okanye ubona ugqirha. Kwaye akukho kugubungela konke konke okunje ngamazinyo, umbono, ukhathalelo lwexesha elide, okanye amayeza kagqirha. Ukuba ufuna ukhuselo olongezelelekileyo, ungathenga izicwangciso kwii-inshurensi zabucala ezinokuphucula kakhulu ukhuseleko lwakho.

Izicwangciso zokuncedisa kwi-Medicare zizicwangciso onokuzithenga ukunceda ukuvala izikhewu ekugubungeleni. Ngamanye amaxesha kuthiwa zizicwangciso zeMedigap. Banokukunceda ukunciphisa iindleko zeepopays kunye ne-coinsurance, kwaye banokunikezela ngeenkonzo zokubonelela ngamazinyo, umbono, okanye iinkonzo zononophelo lwexesha elide.

Icandelo D liceba ngokukodwa ukunceda ukuhlawula iindleko zamachiza amiselweyo.

I-Medicare Advantage (Icandelo C) izicwangciso zinikezela "konke-in-nye" enye indlela yokufumana iinxalenye A no-B kurhulumente, kunye ne-inshurensi yokuxhasa ngenkampani yabucala yeinshurensi.

Izicwangciso ze-Medicare ze-Advantage zithatha indawo epheleleyo ye-Medicare yasekuqaleni. Umthetho wase-Federal ufuna ukuba babhale zonke iinkonzo ezifanayo njengeMedicare yoqobo. Kananjalo banendawo yokugubungela eyongezelelekileyo, enje ngento onokuyifumana kwizincedisi nakwizicwangciso zeCandelo D, ezakhelwe kwizicwangciso ezahlukeneyo. Izicwangciso ze-Medicare ze-Advantage zihlala zikwabonelela ngezinto ezongezelelweyo ezinje ngeenkqubo zempilo kunye nokuba sempilweni, kunye nezaphulelo kumalungu.

Zeziphi izicwangciso eziluncedo zeMedicare ezikhoyo eVermont?

Ukuba isicwangciso se-Medicare Advantage sibonakala ngathi sinokulunga kuwe, ezi nkampani zilandelayo ze-inshurensi zabucala zibonelela ngezi zicwangciso eVermont:

• Unonophelo lwezeMpilo lweMVP
• Ukhathalelo lweZempilo
• IVermont Blue Inzuzo
• Ukhathalelo

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

Ngubani ofanelekileyo kwi-Medicare eVermont?

Uvumelekile ukubhalisa ukuba:

• ndineminyaka engama-65 okanye ngaphezulu
• Ngaphantsi kweminyaka yobudala 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 Vermont?

Ukuba ukufaneleka kwakho kwe-Medicare kuxhomekeke kubudala, ixesha lakho lokuqala lokubhalisa liqala kwiinyanga ezintathu ngaphambi kokuba ube neminyaka engama-65 kwaye uqhubeke kwiinyanga ezintathu emva koko. Ngeli thuba, kusengqiqweni ukubhalisa ubuncinci kwiCandelo A.

Ukuba wena okanye iqabane lakho liqhubeka nokufanelekela ukukhuselwa kwezempilo okuxhaswe ngumqeshi, unokukhetha ukuyigcina le ngxelo kwaye ungabhalisi kwiCandelo B okanye nakweyiphi na into yokuxhasa i-Medicare okwangoku. Ukuba kunjalo, uyakufanelekela ukubhaliswa kwixesha elithile kamva.

Kukho ixesha lokubhalisa elivulekileyo minyaka le, ngexesha apho ungabhalisa okokuqala okanye utshintshe izicwangciso. Ixesha lokubhaliswa lonyaka kwi-Medicare yokuqala ngo-Oktobha 1 ukuya kuDisemba 7, kwaye ixesha lokubhalisa elivulekileyo kwizicwangciso ze-Medicare Advantage ngoJanuwari 1 ukuya ku-Matshi 31.

Iingcebiso ngokuBhalisa kwiMedare eVermont

Xa kuziwa ekubhaliseni kwizicwangciso zeMedicare eVermont, uya kufuna ukuqaphela ngononophelo uninzi lwezinto ezifanayo onokuzibuza xa ubhalisa kuso nasiphi na isicwangciso sempilo:

• Luyintoni ubume beendleko? Ziphezulu kangakanani iipremiyamu? Kwaye sithini isabelo sakho sendleko xa ubona ugqirha okanye ugcwalisa amayeza?
  • Luhlobo luni lwesicwangciso? Izicwangciso ze-Medicare Advantage ziyafuneka ukuba zigubungele zonke izibonelelo ezifanayo nezokuqala zeMedicare kodwa zibe nokuguquguquka kuyilo loyilo. Ezinye izicwangciso zinokuba zizicwangciso zoMbutho Wezokulondolozwa Kwempilo (HMO) ezifuna ukuba ukhethe umboneleli wokhathalelo oluphambili kwaye ufumane ukuhanjiswa kukhathalelo olukhethekileyo. Abanye banokuba zizicwangciso zoMboneleli oKhethiweyo (PPO) ezikunika ukufikelela kwiingcali zenethiwekhi ngaphandle kokudluliselwa.
• Ngaba umboneleli wenethiwekhi uhambelana neemfuno zakho? Ngaba ibandakanya oogqirha nezibhedlele ezikulungeleyo? Kuthiwani ngababoneleli ngononophelo osele unolwalamano nabo kwaye unokufuna ukugcina ubona ukhathalelo?

Izixhobo zeVermont Medicare

Ezi zixhobo zilandelayo zinokuba luncedo ukuba ungathanda ukufunda ngakumbi malunga nokukhetha kwakho i-Medicare eVermont:

• IBhunga laseVermont ekuMdala. Tsalela umnxeba kuMnxeba woNcedo oPhezulu ku-800-642-5119 ngemibuzo okanye ufumane uncedo ekubhaliseni kwizicwangciso zeMedicare eVermont.
• Unyango.gov
• Ulawulo loKhuseleko loLuntu

Ndifanele ndenze ntoni ngokulandelayo?

Xa ulungele ukuqhubela phambili ngokubhalisa kwi-Medicare eVermont, cinga ngala manyathelo:

• Yenza olunye uphando malunga nezicwangciso zakho ezizodwa. Uluhlu olungentla yindawo entle yokuqala uphando ngezicwangciso zeMedare eVermont. Ungatsalela umnxeba iBhunga laseVermont kwiNombolo yoNcedo yaBadala kwi-800-624-5119 ngokubonisana nomntu ngamnye kwisicwangciso sakho seMedicare.
• Unokucinga ngokusebenza kunye nearhente enobuchule ekuthengiseni izicwangciso zeMedare eVermont kwaye unokukucebisa ngeendlela zakho zokugubungela.
• Ukuba okwangoku ukwithuba lokubhalisa, gcwalisa isicelo seMedicare kwi-Intanethi kwiwebhusayithi yoLawulo loKhuseleko loLuntu. Isicelo sithatha nje imizuzu eli-10 kwaye asifuni naluphi na uxwebhu ukuze silugqibe.

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 ayithengisi ishishini leinshurensi nangayiphi na indlela kwaye ayinayo ilayisensi njengenkampani yeinshurensi okanye umvelisi kulo naliphi na igunya laseMelika. I-Healthline ayikukhuthazi okanye ikhuthaze nawuphina umntu wesithathu onokuthi enze ishishini leinshurensi.