Mapulani a Colorado Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Gawo D mapulani
• Mapulani a Medicare Advantage
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Colorado?
• Ndani ali woyenera mapulani a Medicare Advantage ku Colorado?
• Ndingalembetse liti mu pulani ya Medicare Advantage ku Colorado?
• Malangizo polembetsa ku Medicare ku Colorado
• Zida za Colorado Medicare
• Ndiyenera kuchita chiyani kenako?

Kodi mukugula dongosolo la Medicare ku Colorado? Pali mapulani osiyanasiyana omwe angagwirizane ndi chosowa chilichonse.Fufuzani zomwe mungasankhe musanasankhe pulani, ndipo pezani zonse zomwe mukufuna kudziwa zamapulani a Medicare ku Colorado.

Medicare ndi chiyani?

Medicare Yoyambirira (Gawo A ndi Gawo B) limafotokoza za chipatala komanso zamankhwala. Ngati muli ndi zaka 65 kapena kupitirira, pulogalamu ya inshuwaransi yothandizidwa ndi boma iyi ikuthandizani kulipira ndalama zanu. Muthanso kukhala ndi Medicare ngati muli ndi zaka 65 ndipo muli ndi chilema kapena matenda.

Kuphunzira pansi pa Medicare yapachiyambi kumaphatikizapo:

• kukhala mchipatala
• chisamaliro cha odwala
• kusankhidwa kwa adotolo
• katemera ndi chisamaliro choteteza
• ntchito zama ambulansi

Gawo D mapulani

Medicare Part D imafotokoza zomwe mukulembera komanso mankhwala. Mutha kulembetsa nawo gawo la D D limodzi ndi magawo A ndi B kuti muwonjezere izi.

Mapulani a Medicare Advantage

Medicare Advantage (Gawo C) imapereka chidziwitso chokwanira kudzera m'makampani a inshuwaransi azaumoyo.

Dongosolo la Medicare Advantage limakhudza zofunikira zonse monga kuchipatala ndi ndalama zamankhwala, ndipo mapulani ambiri amaperekanso chithandizo chamankhwala. Mutha kupeza chithandizo chowonjezera cha masomphenya, mano, makutu, mapulogalamu azaumoyo, kapenanso mayendedwe kupita kumaulendo azachipatala.

Ndalama zoyendetsera Medicare Advantage nthawi zambiri zimakhala zochuluka kuposa zomwe mungalipire ku Medicare yoyambirira, koma kutengera zosowa zanu, mapulaniwa angakuthandizeni kuti musamawononge ndalama m'thumba.

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Colorado?

Dera lililonse ku Colorado lili ndi njira zingapo za Medicare Advantage, pamitengo yosiyana, zosankha, ndi othandizira ma netiweki. Otsatira otsatirawa amapereka Mapulani angapo kwa okhala ku Colorado.

• Aetna Medicare
• Nyimbo ya Blue Cross ndi Blue Shield
• Thanzi Labwino
• Cigna
• Chotsani Health Health
• Denver Health Medical Plan, Inc.
• Lachisanu Malingaliro azaumoyo
• Humana
• Kaiser Permanente
• UnitedHealthcare

Onyamula amasiyanasiyana malinga ndi dera lanu, onetsetsani kuti mwasankha pulani yomwe ikupezeka mdera lanu.

Ndani ali woyenera mapulani a Medicare Advantage ku Colorado?

Kuti mukhale woyenera kulandira Medicare Advantage, muyenera kukhala ndi zaka 65 kapena kupitilira apo ndikukwaniritsa izi:

• kulembetsa ku Medicare yoyambirira, mwina Gawo A kapena B (ngati mutenga Railroad Retirement Board kapena Social Security phindu, mudzangolembetsa ku Medicare yoyambirira)
• kukhala nzika yaku U.S. kapena wokhalitsa
• adalipira misonkho ya Medicare pomwe amagwira ntchito kwa zaka zosachepera 10

Mutha kukhalanso woyenera ngati muli ndi zaka 65 ndipo muli ndi chilema kapena matenda osachiritsika monga matenda a renal end (ESRD) kapena amyotrophic lateral sclerosis (ALS).

Ndingalembetse liti mu pulani ya Medicare Advantage ku Colorado?

Pali nthawi zingapo pomwe mungalembetse dongosolo la Medicare Advantage ku Colorado.

Mutha kulembetsa nthawi yanu yoyamba kulembetsa (IEP) kuyambira miyezi 3 isanakwane mwezi wanu wa 65th kubadwa ndikutha miyezi 3 pambuyo pa mwezi wanu wobadwa.

Muthanso kukhala ndi mwayi wolembetsa ngati mulibe inshuwaransi pantchito kapena mulibe chilema.

Pambuyo pa IEP, mutha kulembetsa dongosolo la Medicare Advantage kapena kusinthana pakati pa omwe amapereka nthawi ya Medicare Advantage kuyambira Januware 1 mpaka Marichi 31. Mutha kulembetsanso pulani kapena kusintha momwe mungalembetsere nthawi yolembetsa pachaka ya Medicare kuyambira Okutobala 15 mpaka Disembala 7.

Musanalembetse dongosolo la Medicare Advantage, muyenera kuyamba kulembetsa ku Medicare yoyambirira.

Malangizo polembetsa ku Medicare ku Colorado

Musanalembetse dongosolo la Medicare, lingalirani za mtundu wanji wazomwe mungafune.

Mukamagula mapulani oyenera kwa inu, werengani ndemanga za omwe amanyamula angapo, ndikuwunika mtengo wake. Yerekezerani mapulani poyang'ana zochotseredwa, kugwiritsa ntchito mankhwala osokoneza bongo kapena ma copays, komanso mapulani ake.

Dzifunseni mafunso awa:

• Kodi ndalama zanga zaposachedwa, ndalama zomwe ndimachotsera, ndi zina zandalama zandithandizira bwanji, ndipo kodi ndimakwanitsa kulipirira ndalama zomwe ndimafunikira?
• Kodi ndine wokondwa ndi dokotala wanga wapano, kapena ndingakhale wofunitsitsa kusinthira kwa dokotala wa netiweki? Monga gawo la kusaka kwanu, itanani ofesi ya dokotala kuti muwafunse zomwe akuvomereza. Fufuzani pulani yomwe ingakwaniritse zomwe adakumana ndi adokotala kapena kufunafuna dokotala wa netiweki.
• Kodi ndimalipira ndalama zingati mthumba pachaka pachipatala chamankhwala? Ngati mumamwa mankhwala pafupipafupi, mapulani a mankhwala omwe mumalandira kapena njira ya Advantage imatha kukupulumutsirani ndalama.
• Kodi pali malo ogulitsa mankhwala abwino pafupi? Kusintha mankhwala anu kungathandizenso kuchepetsa mtengo wamankhwala. Sitolo yamakona yomwe ili pakona ndiyabwino, koma kogulitsira mankhwala m'tawuni yonse imatha kukufotokozerani bwino, ndikupulumutsirani ndalama zomwe mumalandira mwezi uliwonse.

Muthanso kuwona mtundu wa mapulaniwo pogwiritsa ntchito njira zowerengera nyenyezi za CMS. Kuwerengera kwa nyenyezi zisanuzi kumadalira momwe mapulani adagwirira ntchito chaka chatha, ndipo kuwerengera kwakukulu kumatanthauza kuti dongosololi lipereka kufalitsa kwakukulu. Kusankha mapulani okhala ndi 4- kapena 5star nyota kudzaonetsetsa kuti mupeza zomwe mukufuna, komanso kupeza mosavuta zithandizo zonse zomwe mukufuna.

Zida za Colorado Medicare

Kuti mumve zambiri zamapulani a Medicare ndi Medicare Advantage ku Colorado, pezani thandizo. Mutha kudziwa zambiri mwa kulumikizana ndi:

• Ndondomeko Yothandizira Inshuwaransi ya State (SHIP): 888-696-7213. Lankhulani ndi mlangizi wa SHIP, kuti mumve zambiri za Medicare, mulandire thandizo lolembetsa, kuti mudziwe ngati mukuyenera kulandira Mapulogalamu Othandizira Ochepera kuti mulipire mtengo wa Medicare ku Colorado.
• Dipatimenti Yoyang'anira Mabungwe ku Colorado: 888-696-7213. Pezani Malo A Zombo, phunzirani zamankhwala omwe amaperekedwa ndi mankhwala, pezani zoyambira za Medicare, ndikupeza oyang'anira oyang'anira a Medicare.
• Pulogalamu Yaukalamba Ndi Ntchito Zamankhwala (OAP). Pezani thandizo ngati mulandira Pension Pension koma simukuyenerera Health First Colorado. Manambala olumikizirana amasiyanasiyana kudera.
• Zothandizira mankhwala osokoneza bongo. Pezani zambiri zamomwe mungagule mankhwala otsika mtengo, ndikuphunzirani zambiri zamapulogalamu othandizira odwala.
• Mankhwala: 800-633-4227. Pezani zambiri zamadongosolo a Medicare, kufalitsa, ndi othandizira ku Colorado.
• Bungwe Lopuma Njanji: 877-772-5772. Ngati mukuyenerera kupindula ndi Railroad Retirement Board, pezani zambiri zomwe mungafune polumikizana nawo mwachindunji.

Ndiyenera kuchita chiyani kenako?

Unikani inshuwaransi yanu yazaumoyo mu 2021, ndikupeza dongosolo la Medicare Advantage lomwe limakuthandizirani.

• Sankhani mtundu wa dongosolo la Medicare Advantage lomwe mukufuna, ndikuwonetsani bajeti yanu.
• Fananizani Mapulani a Advantage ku Colorado, onaninso kuchuluka kwa nyenyezi za CMS, ndikuwonetsetsa kuti mapulani omwe mukuyang'ana akupezeka mdera lanu.
• Mukapeza dongosolo loyenera, pitani patsamba la wonyamulirayo kuti mumve zambiri, lembani fomu yolembera mapepala, kapena imbani wonyamulayo kuti ayambe kugwiritsa ntchito foni.

Kaya mukufuna chithandizo choyambirira cha Medicare kapena dongosolo la Medicare Advantage, onetsetsani kuti mumayang'anitsitsa zomwe mungasankhe, ndikukonzekera 2021 wathanzi.

Nkhaniyi idasinthidwa pa Okutobala 6, 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.