Izicwangciso zeVirginia Medicare ngo-2021

Umxholo

• Yintoni amayeza?
• Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka eVirginia?
• Ngubani ofanelekileyo kwi-Medicare eVirginia?
• Ndingabhalisa nini kwizicwangciso zeMedicare Virginia?
• Iingcebiso zokubhalisa kwi-Medicare eVirginia
• Izixhobo zaseVirginia Medicare
• Ndifanele ndenze ntoni ngokulandelayo?

I-Medicare ibonelela nge-inshurensi yezempilo kubantu abangaphezulu kwezigidi ezingama-62 baseMelika, kubandakanya ne-1.5 yezigidi zaseVirginians. Le nkqubo kaRhulumente igubungela abo bangaphezulu kweminyaka engama-65 ubudala, kunye nabantu abadala abancinci abakhubazekileyo.

Kule nqaku, siza kujonga indlela iMedare esebenza ngayo, ngubani ofanelekileyo, indlela yokubhalisa, kunye neengcebiso zokuthenga izicwangciso zeMedare eVirginia.

Yintoni amayeza?

Ukuba uhlala eVirginia, unokukhetha phakathi kwentsusa ye-Medicare kunye nesicwangciso se-Medicare Advantage. Zombini ziMedicare, kodwa zibonelela ngezibonelelo zakho ngeendlela ezahlukeneyo.

I-Medicare yoqobo iqhutywa ngurhulumente, ngelixa izicwangciso ze-Medicare Advantage zithengiswa ziinkampani zeinshurensi zabucala.

I-Medicare yoqobo inamacandelo amabini:

• Icandelo A (i-inshurensi yesibhedlele). Iinkonzo ezibonelelwa yiCandelo A zibandakanya ukunakekelwa kwezigulana ezingalaliswayo ezibhedlele kunye nokhathalelo lweziko lwexeshana lwezakhono Icandelo A lixhaswe ziirhafu zeMedare, ngenxa yoko uninzi lwabantu aludingi kuhlawula ipremiyamu yenyanga ngalo.
• Icandelo B (i-inshurensi yezonyango). Icandelo B ligubungela izinto ezinjengeenkonzo zonyango, unyango lwangaphandle, kunye neenkonzo zokuthintela. Iindleko zeCandelo B ziyahluka ngokuxhomekeke kumvuzo wakho.

I-Medicare yoqobo ayihlawuli iipesenti ezili-100 zeendleko zenkonzo. Emva kokudibana nokutsalwa, ungadinga ukuhlawula i-coinsurance okanye ii-copayments. Ukuba ufuna uncedo lokuhlawula ezi ndleko, unokufumana i-inshurensi yokuxhasa i-Medicare, ekwabizwa ngokuba yiMedigap. Le migaqo-nkqubo ithengiswa ziinkampani zabucala.

IVirginia, ungasayinela ukugqunywa ngamayeza amayeza. Ezi zicwangciso ziyaziwa njengeMedicare Part D, kwaye zinikezelwa ziinkampani zabucala. Isicwangciso samachiza sinokukunceda ukuhlawulela zombini amayeza enziwe afana nalawo aveliswe ngumenzi kunye nogama.

Uncedo lweMedicare (Icandelo C) lolunye ukhetho lwakho eVirginia. Banikezela onke amayeza e-Medicare A kunye ne-B, kwaye bahlala beCandelo D, kwisicwangciso esinye esifanelekileyo. Kuxhomekeka kwisicwangciso osikhethileyo, banokufumana izibonelelo ezongezelelweyo, ezinje ngamazinyo, ukuva, kunye nokhathalelo lombono. Ezinye izicwangciso ze-Medicare Advantage zide zibandakanye ubulungu bokuzivocavoca kunye nezinye izinto.

Zeziphi izicwangciso eziluncedo kuMayeza ezifumaneka eVirginia?

Iinkampani ezininzi zeinshurensi zibonelela ngezicwangciso zeMedicare Advantage eVirginia, kubandakanya oku kulandelayo:

• UAetna
• Umhobe iBlue Cross Blue Shield
• Impilo yoMhobe Abagcini
• Humana
• Impilo entsha
• UKaiser Permanente
• Optima
• Ukhathalelo lweZempilo

Ezi nkampani zibonelela ngezicwangciso kwiindawo ezininzi eVirginia. Nangona kunjalo, isibonelelo seMedicare seNzuzo siyahluka ngokommandla, ke ngenisa ikhowudi yakho ye-ZIP xa ukhangela izicwangciso apho uhlala khona.

Ngubani ofanelekileyo kwi-Medicare eVirginia?

Kukho iindlela ezimbalwa onokuthi ufaneleke ngazo kwi-Medicare eVirginia, kubandakanya:

• Uneminyaka engama-65 okanye ngaphezulu. Ukuba ungummi wase-U.S. Okanye umhlali osisigxina oye kweli lizwe iminyaka emihlanu ubuncinci, uyakufaneleka xa uneminyaka engama-65.
• Yokanye ufumane i-Inshurensi yokuKhubazeka kweNtlalo (SSDI). Ukuba ukhubazekile kwaye ufumana i-SSDI, uya kufaneleka kwi-Medicare emva kwexesha lokulinda leminyaka emi-2.
• Unesifo se-renal sokugqibela (i-ESRD) okanye i-amyotrophic lateral sclerosis (ALS). Ufanelekile kwi-Medicare nangaliphi na ubudala ukuba ufumene ukuba une-ESRD okanye i-ALS.

Ndingabhalisa nini kwizicwangciso zeMedicare Virginia?

Unokubhaliswa ngokuzenzekelayo kumacandelo e-Medicare A no-B ukuba ukwenye yezi meko zilandelayo:

• Umncinci kuneminyaka yobudala engama-65 kwaye unokukhubazeka. Emva kokuba ufumene izibonelelo zokukhubazeka koLuntu kwiinyanga ezingama-24, uya kufumana i-Medicare ngokuzenzekelayo.
• Uneminyaka engama-65 kwaye ufumana uKhuseleko lweNtlalo. Ukuba sele ufumana izibonelelo zoKhuseleko loLuntu, ukhuseleko lwakho lweMedare luya kuqala ngokuzenzekelayo xa uneminyaka engama-65 ubudala.

Ukuba awuyi kuyifumana iMedicare ngokuzenzekelayo, ungasayina ngexesha elinye lamaxesha obhaliso alandelayo:

• Ixesha lokuBhalisa lokuqala. Eli xesha leenyanga ezi-7 lithuba lakho lokuqala lokufumana i-Medicare xa uneminyaka engama-65 ubudala. Iqala kwiinyanga ezintathu ngaphambi kwenyanga yokuzalwa kwakho engama-65 kwaye iphela kwiinyanga ezi-3 emva kwenyanga yakho yokuzalwa.
• Ixesha lokuBhalisa eliVulekileyo. Phakathi kuka-Okthobha u-15 no-Disemba 7 minyaka le, unokutshintsha i-Medicare yakho. Ngeli xesha, uvunyelwe ukuba ubhalisele isicwangciso seMedicare Advantage.
• Uncedo lweMedicare oluVulekileyo lweXesha lokuBhalisa. Ukususela ngoJanuwari 1 ukuya ku-Matshi 31 ngonyaka, ungatshintshela kwisicwangciso esahlukileyo se-Medicare Advantage.

Ukuba uhlangabezana neziganeko ezithile zobomi, unokulungela ixesha elithile lobhaliso. Oku kuthetha ukuba ungabhalisela i-Medicare ngaphandle kwexesha lokubhalisa lonyaka. Unokuba nexesha lokubhalisa elikhethekileyo ukuba ulahlekelwa sisicwangciso sezempilo somqeshi wakho, umzekelo.

Iingcebiso zokubhalisa kwi-Medicare eVirginia

Xa uthatha isigqibo phakathi kweMedicare yasekuqaleni kunye neMedicare Advantage, kunye namacandelo ahlukeneyo kunye nezongezo, gcina ezi zinto engqondweni:

• Ukulinganiswa kweenkwenkwezi zeCMS. Amaziko e-Medicare kunye neeNkonzo zeMedicaid (i-CMS) isebenzisa inkqubo yokulinganisa umgangatho weenkwenkwezi ezi-5 ukukunceda uthelekise umgangatho wezicwangciso zeMedicare. Izicwangciso zilinganiswe malunga nezinto ezingama-45, kubandakanya ukulungelelaniswa kononophelo kunye nenkonzo yabathengi.
• Inethiwekhi kagqirha. Xa ujoyina isicwangciso seMedicare Advantage, uhlala ufuna ukubona oogqirha kuthungelwano lwesicwangciso. Ukuba ugqirha ukhetha, fumana ukuba zeziphi izicwangciso abazithathayo inxaxheba ngaphambi kokuba ukhethe isicwangciso sakho.
• Cwangcisa iindleko. Xa ubhalisela isicwangciso se-Medicare Advantage, unokufuna ukuhlawula i-premium yenyanga ngenyanga kwi-premium ye-Medicare part B. Ezinye iindleko zokuqwalaselwa zibandakanya ukutsalwa kwesicwangciso, ukuqinisekiswa kweemali, kunye neepawotsheni.
• Iinkonzo ezifihliweyo. Izicwangciso ze-Medicare Advantage zingabandakanya iinkonzo ezingenayo i-Medicare yasekuqaleni, njengamazinyo, ukuva, okanye ukunakekelwa kombono. Ukuba kukho iinkonzo ezithile owaziyo ukuba uya kuzifuna, qiniseka ukuba isicwangciso sakho siyazigubungela.

Izixhobo zaseVirginia Medicare

I-Medicare yinkqubo entsonkothileyo, ke musa ukuthandabuza ukubuza imibuzo. Ukuze ufunde okungakumbi, ungaqhagamshelana:

• I-Virginia Insurance Counselling kunye neNkqubo yoNcedo: 800-552-3402
• Ulawulo loKhuseleko loLuntu: 800-772-1213

Ndifanele ndenze ntoni ngokulandelayo?

Xa ulungele ukuqala ukuthenga isicwangciso seMedare, unga:

• Nxibelelana noLawulo loKhuseleko loLuntu ukuze ubhalisele i-Medicare. Unokukhetha ukufaka isicelo kwi-Intanethi, buqu, okanye ngomnxeba.
• Ndwendwela i-Medicare.gov ukufumana izicwangciso zeMedare eVirginia.
• Nxibelelana neNkqubo yeNgcebiso ye-Inshurensi ye-inshurensi kunye neNkqubo yoNcedo ukuba ufuna uncedo ngokuthelekisa ukhetho lweMedicare.

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.