Mapulani a Florida Medicare mu 2021

Zamkati

• Kumvetsetsa zosankha zanu za Medicare
• Kodi Medicare Advantage ndi chiyani?
• Kodi mapulani a Medicare Advantage amapezeka ku Florida?
• Ndani ali woyenera mapulani a Medicare ku Florida?
• Ndingalembetse kuti?
• Malangizo polembetsa ku Medicare
• Zothandizira
• Masitepe otsatira

Ngati mukugula chithandizo cha Medicare ku Florida, muli ndi zambiri zoti muganizire posankha dongosolo.

Medicare ndi pulogalamu yazaumoyo yoperekedwa kudzera m'boma la feduro kwa anthu azaka 65 kapena kupitilira apo komanso anthu olumala. Mutha kupeza chinsinsi kuchokera kuboma kapena kudzera ku kampani ya inshuwaransi yabizinesi.

Kumvetsetsa zosankha zanu za Medicare

Medicare si pulani imodzi yokha. Pali mapulani osiyanasiyana ndi zinthu zomwe zimakhudza zinthu zosiyanasiyana.

Original Medicare imayang'aniridwa ndi boma la feduro. Mulinso magawo awiri akulu, Gawo A ndi Gawo B.

Gawo A limafotokoza ntchito zakuchipatala. Izi zimaphatikizapo chisamaliro chakuchipatala chomwe mumalandira kuchipatala kapena malo oyamwitsa aluso, komanso ntchito zina zakuchipatala. Simukuyenera kulipira gawo la A ngati inu kapena mnzanu mudalipira ku Medicare kudzera pamisonkho yomwe mumalandila mukamagwira ntchito. Izi zikugwira ntchito kwa anthu ambiri omwe ali ndi mbiri yantchito.

Gawo B limafotokoza zambiri zamankhwala, monga ntchito zomwe mumalandira kuofesi ya udokotala, chisamaliro cha odwala, chithandizo chamankhwala, komanso njira zodzitetezera. Nthawi zambiri mumalipira kulipira gawo B.

Kutengera zosowa zaumoyo wanu, Medicare yoyambayo sangakupatseni zokwanira. Sichiphatikizapo kufalitsa mankhwala akuchipatala, mwachitsanzo. Ndipo ndalama zotuluka m'thumba monga ndalama zolipirira ndalama, ndalama zandalama, ndi zochotseredwa zimawonjezeredwa, zomwe zitha kukhala zodula ngati mugwiritsa ntchito chithandizo chamankhwala kwambiri.

Palinso zosankha zina zowonjezera chiphaso chowonjezera pamakonzedwe anu a Medicare, omwe mungagule ku kampani yabizinesi ya inshuwaransi:

• Mapulani owonjezera a Medicare, omwe nthawi zina amatchedwa mapulani a Medigap, amathandizira kulipira ndalama zomwe Medicare yoyambirira sichikuphimba.
• Gawo D malingaliro akuwonjezera kufotokozera za mankhwala akuchipatala.

Kapenanso, mulinso ndi mwayi wosankha dongosolo limodzi lotchedwa Medicare Advantage.

Kodi Medicare Advantage ndi chiyani?

Madongosolo a Medicare Advantage (Gawo C) ndi mapulani omwe amaperekedwa kudzera m'makampani a inshuwaransi ndipo amalowetsa m'malo mwa Medicare yoyambirira. Mapulaniwa amakhudza mapindu onse ofanana a magawo A ndi B, kenako ena.

Zolinga za Medicare Advantage zimaphatikizapo kufotokozera mankhwala omwe mumalandira, masomphenya ndi chisamaliro cha mano, kasamalidwe kaumoyo ndi mapulogalamu olimba, kuphatikiza zowonjezera.

Kodi mapulani a Medicare Advantage amapezeka ku Florida?

Onyamula ma inshuwaransi angapo akupereka mapulani a Medicare Advantage ku Florida mu 2021. Mulinso makampani awa:

• Aetna Medicare
• Chabwino
• Kukwera Kumaliza
• AvMed Medicare
• Thanzi Labwino
• Mapulani a CarePlus Health, Inc.
• Cigna
• Kudzipereka Thanzi
• Madokotala HealthCare Plans, Inc.
• Florida Buluu
• Ufulu Health, Inc.
• Mapulogalamu a HealthSun Health, Inc.
• Humana
• Lasso Healthcare
• MMM wa Florida, Inc.
• Zotsatira Optimum HealthCare, Inc.
• Ndondomeko Yathanzi Labwino
• Oscar
• Mapulani a Simply Healthcare, Inc.
• Mapulani a Solis Health
• UnitedHealthcare
• Kusamalira

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

Ndani ali woyenera mapulani a Medicare ku Florida?

Kuphunzira kwa Medicare kumapezeka kwa anthu omwe:

• ali ndi zaka 65 kapena kupitirira
• ali ndi zaka zosakwana 65 ndipo ali ndi zilema zina
• ali ndi msinkhu uliwonse ndipo ali ndi matenda am'magazi (ESRD) kapena amyotrophic lateral sclerosis (ALS)

Ndingalembetse kuti?

Kwa anthu ambiri, nthawi yoyamba kulembetsa ku Medicare Florida imayamba miyezi itatu musanakwanitse zaka 65 ndikukhala miyezi itatu mutakwanitsa zaka 65.

Ngati mungasankhe kulembetsa nthawi yoyamba kulembetsa, mudzakhalanso ndi mwayi panthawi yolembetsa, yomwe imayamba kuyambira Januware 1 mpaka Marichi 31 chaka chilichonse.

Ngati inu kapena mnzanu mupitiliza kugwira ntchito, mungasankhe kuti musalembetse nawo kuchipatala cha Medicare (Gawo B) pakadali pano. Pazochitikazi, mutha kukhala ndi mwayi wolembetsa kuti mudzasankhe pambuyo pake.

Koma kumbukirani, simuyenera kukhala olembetsa dongosolo laumoyo wa gulu la abwana anu. Mutha kupeza kuti Medicare imapereka chithunzithunzi chabwino cha ndalama zochepa ngakhale mukamagwira ntchito nthawi zonse.

Malangizo polembetsa ku Medicare

Dongosolo la Medicare lomwe limakupindulitsani limadalira pazinthu zingapo zomwe zimatha kusiyanasiyana kutengera zomwe mumakonda kapena momwe mungakhalire. Ganizirani izi posankha dongosolo:

• Yerekezerani dongosolo. Ngati mukusankha dongosolo la Medicare Advantage, dziwani kuti mapulaniwa amabwera mumapangidwe osiyanasiyana. Ndikofunikira kuti mumvetsetse momwe pulani imagwirira ntchito komanso momwe zingakhudzire chisamaliro chanu. Kodi mumakonda kukhala ndi dokotala wamkulu woyang'anira chisamaliro chanu (HMO)? Kapena mungakonde kuwona katswiri aliyense pa netiweki osatumizidwa (PPO)?
• Ganizirani za mtengo. Kodi ndalama zoyambira, zolipirira, zochotseredwa, kapena zolipira zina zimakhala zingati? Ngati mukuyenerera kufotokozera kudzera mwa olemba anzawo ntchito, ndalamazo zimafanizira bwanji zomwe mungasankhe pamagulu apano?
• Onani ndemanga. Onani zomwe ogula ena akunena zamalingaliro awo. Kodi ndalamazi zimayenda bwino? Kodi kusamalira makasitomala ndi kwabwino komanso kothandiza? Werengani ndemanga pa intaneti kapena funsani ngati mukudziwa anthu ena omwe adalembetsa nawo mapulani a Medicare Advantage.
• Unikani netiweki yothandizira. Ngati muli ndi dokotala amene mumamukonda, yang'anani pulani yomwe imawaphatikiza ndi netiweki ya Medicare Florida. Mapulani ena atha kukhala ndi malo ochepetsetsa omwe siabwino kwenikweni. Nthawi yodziwira isanalembedwe.
• Sakani zofunikira zomwe zikukuyenererani. Madongosolo a Medicare Advantage nthawi zambiri amakhala ndi zowonjezera zambiri - kuchotsera ndi mapulogalamu omwe angakuthandizeni kuti mukhale ndi thanzi labwino. Fufuzani zomwe zikugwirizana ndi moyo wanu ndipo zingakhale zothandiza kwa inu.

Zothandizira

Kuti mudziwe zambiri za mapulani a Medicare ku Florida, onani izi:

• SHINE (Serving Health Insurance Needs of Elders), pulogalamu yaulere yoperekedwa ndi Florida department of Elder Affairs ndi Area Area yanu pa Kukalamba
• State of Florida Medicare & Medicaid

Masitepe otsatira

Takonzeka kuchita zotsatirazi polembetsa dongosolo la Medicare ku Florida? Mungafune kuganizira izi:

• Lumikizanani ndi wothandizira inshuwaransi ya Medicare Florida yemwe angakuthandizeni kumvetsetsa zomwe mungasankhe pa Medicare ndikukutengerani mawu kuchokera ku mapulani osiyanasiyana okuthandizani kufananizira.
• Onani mapulani amtundu wa intaneti kudzera kwa omwe ali ndi inshuwaransi yakomweko.
• Lembani ntchito yapa Medicare kudzera pa Social Security Administration. Mutha kulemba fomu mu mphindi zochepa za 10 ndipo simukuyenera kutumiza zikalata nthawi yomweyo.

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.