Mapulani a Arkansas Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Arkansas?
• Ndani ali woyenera ku Medicare ku Arkansas?
• Ndingalembetse liti ku mapulani a Medicare Arkansas?
• Malangizo polembetsa ku Medicare ku Arkansas
• Zida za Arkansas Medicare
• Ndiyenera kuchita chiyani kenako?

Medicare ndi U.S.Ndondomeko ya boma ya inshuwaransi ya achikulire azaka 65 kapena kupitilira komanso anthu olumala kapena azaumoyo. Ku Arkansas, anthu pafupifupi 645,000 amalandila chithandizo chamankhwala kudzera mu Medicare.

Werengani kuti muphunzire za Medicare Arkansas, kuphatikiza omwe ali oyenera, momwe mungalembetsere, komanso momwe mungasankhire dongosolo labwino kwambiri la Medicare pazosowa zanu.

Medicare ndi chiyani?

Mukalembetsa Medicare ku Arkansas, mutha kusankha Medicare yoyambirira kapena dongosolo la Medicare Advantage.

Original Medicare ndi pulogalamu yachikhalidwe yoyendetsedwa ndi boma. Pulogalamuyi ili ndi magawo awiri, ndipo mutha kulembetsa chimodzi kapena zonse ziwiri:

• Gawo A (inshuwaransi ya chipatala). Medicare Part A imakuthandizani kulipira ogona kuchipatala. Ikufotokozanso za chisamaliro cha odwala, chithandizo chamankhwala chochepa panyumba, komanso chisamaliro chantchito yosamalira odwala kwakanthawi kochepa.
• Gawo B (inshuwaransi ya zamankhwala). Medicare Part B imafotokoza ntchito zosiyanasiyana zodzitetezera komanso zofunikira zamankhwala. Izi zikuphatikiza mayeso amthupi, ntchito zamankhwala, komanso kuwunika zaumoyo.

Makampani azinsinsi amapereka chithandizo chowonjezera kwa anthu omwe ali ndi Medicare yoyambirira. Mutha kusankha kulembetsa imodzi kapena mfundo zonsezi:

• Gawo D (kuphimba mankhwala). Mapulani a Part D amakuthandizani kulipira mankhwala akuchipatala. Samaphimba mankhwala owonjezera.
• Medicare yowonjezera inshuwaransi (Medigap). Mapulani a Medigap amatenga zina kapena zonse za inshuwaransi ya Medicare, zolipira ndi zochotseredwa. Mapulani okhazikika awa amadziwika ndi zilembo: A, B, C, D, F, G, K, L, M, and N.

Madongosolo a Medicare Advantage (Gawo C) ndi njira ina yodziwira kuti mungafotokozere za Medicare. Amaperekedwa ndi makampani azinsinsi omwe amachita mgwirizano ndi Medicare. Mapulani a Medicare Advantage akuyenera kuphatikiza ntchito zonse za Medicare za A ndi B. Mapulani amtunduwu atha kupereka zabwino zambiri, kuphatikiza:

• mano, masomphenya, kapena chisamaliro chakumva
• Kuphunzira mankhwala osokoneza bongo
• mapulogalamu azaumoyo, monga ziwalo zolimbitsa thupi
• zina zaumoyo

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Arkansas?

Monga wokhala ku Arkansas, muli ndi njira zambiri za Medicare Advantage. Chaka chino, mutha kupeza dongosolo kuchokera kumakampani otsatirawa:

• Aetna Medicare
• Chabwino
• Arkansas Blue Medicare
• Cigna
• Ubwino Wathanzi
• Humana
• Lasso Healthcare
• UnitedHealthcare
• Kusamalira

Makampaniwa amapereka mapulani m'maboma ambiri ku Arkansas. Komabe, mapulani a Medicare Advantage amasiyana malinga ndi boma, chifukwa chake lembani ZIP code yanu posaka mapulani komwe mumakhala.

Ndani ali woyenera ku Medicare ku Arkansas?

Anthu ambiri ku Arkansas amatha kukhala ndi Medicare ali ndi zaka 65. Muyenera kukhala oyenerera mukadzakwanitsa zaka 65 bola chimodzi mwa izi ndi ichi:

• mumalandira kale ma Social Security pantchito kapena mumayenerera
• ndinu nzika kapena wokhalitsa ku United States

Mutha kupeza Medicare musanakwanitse zaka 65. Mukuyenera kukhala ndi zaka zilizonse ngati:

• alandila zabwino za Social Security Disability Insurance (SSDI) kwa miyezi yosachepera 24
• ali ndi matenda am'magazi am'magazi (ESRD)
• ali ndi amyotrophic lateral sclerosis (ALS)

Ndingalembetse liti ku mapulani a Medicare Arkansas?

Ngati mukuyenerera Medicare, pamakhala kangapo pachaka pomwe mungalembetse mapulani a Medicare. Nayi nthawi yolembetsa ku Medicare:

• Kulembetsa koyamba. Mutha kulembetsa ku Medicare magawo A ndi B kuyambira miyezi itatu isanakwane mpaka miyezi itatu mutakwanitsa zaka 65.
• Kulembetsa kwa Medigap. Mutha kulembetsa muundondomeko wowonjezera wa Medigap mpaka miyezi 6 mutakwanitsa zaka 65.
• Kulembetsa wamba. Mutha kulembetsa mu dongosolo la Medicare kapena dongosolo la Medicare Advantage chaka chilichonse kuyambira Januware 1 mpaka Marichi 31 ngati simunalembetse pomwe munali oyenerera.
• Kulembetsa kwa Medicare Part D. Mutha kulembetsa nawo gawo la Gawo D chaka chilichonse kuyambira Epulo 1 mpaka Juni 30 ngati simunalembetse pomwe munali oyenerera.
• Tsegulani olembetsa. Mutha kulembetsa, kusiya, kapena kusintha dongosolo lanu la Medicare Part C kapena Gawo D chaka chilichonse kuyambira Okutobala 15 mpaka Disembala 7, panthawi yolembetsa.
• Kulembetsa mwapadera. Mikhalidwe yapadera, mutha kuyenerera kulembetsa kwa miyezi 8.

Malangizo polembetsa ku Medicare ku Arkansas

Pali madongosolo ambiri a Medicare Advantage ku Arkansas. Kuti muchepetse zosankha zanu, kumbukirani zinthu izi:

• Zofunika polemba. Mapulani ambiri a Medicare Advantage amapereka chithandizo chomwe choyambirira cha Medicare sichichita, monga mano, masomphenya, komanso kumva kumva. Pangani mndandanda wazabwino zomwe mukufuna, ndipo muzitchulepo poyerekeza mapulani.
• Konzani magwiridwe antchito. Chaka chilichonse, The Centers for Medicare & Medicaid Services (CMS) imasindikiza magwiridwe antchito amalingaliro a Medicare. Mapulani adavoteledwa kuchokera nyenyezi imodzi mpaka 5, pomwe 5 ndiyo yabwino kwambiri.
• Ndalama zotuluka m'thumba. Ndalama zoyambirira, zochotseredwa, zolipiritsa, komanso chitsimikizo cha ndalama zimakhudza kuchuluka kwa zomwe mumalipira kuti muthe kulandira chithandizo chamankhwala. Mutha kugwiritsa ntchito chida chopezera mapulani a Medicare kufananizira mtengo wa mapulani a Medicare Advantage.
• Wopezera maukonde. Kuti mugwiritse ntchito chithandizo chanu cha Medicare Advantage, mungafunike kupeza chisamaliro kuchokera kwa madotolo, akatswiri, ndi zipatala mumanetiwerengedwe ake. Musanasankhe pulani, onetsetsani kuti madokotala anu ali pa netiweki.
• Kuphunzira maulendo. Madongosolo a Medicare Advantage sikuti nthawi zonse amafotokoza chisamaliro chomwe mumalandira kunja kwa gawo la ntchito. Ngati mukuyenda pafupipafupi, onetsetsani kuti mapulani anu adzakuphimbani mukakhala kuti mulibe nyumba.

Zida za Arkansas Medicare

Ngati muli ndi mafunso okhudza mapulani a Medicare ku Arkansas, mutha kulumikizana ndi:

• Social Security Administration (800-772-1213)
• Dongosolo Lothandizira Inshuwaransi Yazaumoyo ku Arkansas (SHIIP) (501-371-2782)

Ndiyenera kuchita chiyani kenako?

Mukakonzeka kulembetsa dongosolo la Medicare, mutha:

• Lowani ku Medicare magawo A ndi B kudzera mu Social Security Administration. Mutha kusankha kulembetsa pa intaneti, pamasom'pamaso, kapena patelefoni.
• Gwiritsani ntchito wopeza mapulani a Medicare kuti mugule mapulani a Medicare Advantage ku Arkansas. Chida ichi chimakuthandizani kufananizira zabwino ndi mtengo wa pulani iliyonse.

Nkhaniyi idasinthidwa pa Novembala 10, 2020, kuti iwonetse zambiri za 2021 Medicare.

Zomwe zili patsamba lino zimatha kukuthandizani posankha nokha za inshuwaransi, koma cholinga chake si kupereka upangiri wokhudzana ndi kugula kapena kugwiritsa ntchito inshuwaransi kapena zinthu zilizonse za inshuwaransi. Healthline Media siyigulitsa bizinesi ya inshuwaransi mwanjira iliyonse ndipo siyololedwa kukhala kampani ya inshuwaransi kapena opanga madera aliwonse aku U.S. Healthline Media sivomereza kapena kuvomereza aliyense wachitatu yemwe angachite bizinesi ya inshuwaransi.