Mapulani a Idaho Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Gawo A
• Gawo B
• Gawo C
• Gawo D
• Kusinkhasinkha
• Akaunti yosunga Medicare
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Idaho?
• Ndani ali woyenera ku Medicare ku Idaho?
• Ndingalembetse liti ku mapulani a Medicare Idaho?
• Malangizo pakulembetsa ku Medicare ku Idaho
• Zida za Idaho Medicare
• Ndiyenera kuchita chiyani kenako?

Madongosolo a Medicare ku Idaho amapereka inshuwaransi yaumoyo kwa anthu azaka 65 kapena kupitilira apo, komanso kwa anthu ena ochepera zaka 65 omwe amakwaniritsa ziyeneretso zina. Pali magawo ambiri ku Medicare, kuphatikiza:

• Medicare yoyambirira (Gawo A ndi Gawo B)
• Phindu la Medicare (Gawo C)
• Mapulani azamankhwala (Gawo D)
• Medicare inshuwaransi yowonjezera (Medigap)
• Akaunti yosunga Medicare (MSA)

Medicare Yoyambirira imaperekedwa kudzera m'boma. Medicare Advantage, mapulani azamankhwala, ndi inshuwaransi ya Medigap zonse zimaperekedwa kudzera mwa omwe amanyamula ma inshuwaransi.

Pemphani kuti mudziwe zambiri zamomwe mungasankhe pa Medicare ku Idaho.

Medicare ndi chiyani?

Aliyense amene adzalembetse ku Medicare, kuphatikiza mapulani a Medicare Advantage, ayenera kulembetsa nawo gawo la A ndi Gawo B.

Gawo A

Gawo A sililipira pamwezi kwa anthu ambiri. Mulipira ndalama zochotseredwa nthawi iliyonse mukalandiridwa kuchipatala. Ikufotokoza:

• chisamaliro cha kuchipatala
• chisamaliro chochepa m'malo osamalira anthu okalamba
• chisamaliro cha odwala
• chithandizo chamankhwala kunyumba

Gawo B

Gawo B limakhala ndi chindapusa pamwezi komanso kuchotsera pachaka. Mukakumana ndi deductible, mumalipira 20% ya chitsimikizo cha chisamaliro chilichonse chotsalira chaka. Ikufotokoza:

• chisamaliro cha kuchipatala
• kusankhidwa kwa adotolo
• chisamaliro chodzitchinjiriza, monga kuwunikira komanso kuchezera bwino pachaka
• kuyesa lab ndi kujambula, monga X-ray

Gawo C

Mapulani a Medicare Advantage (Gawo C) amapezeka kudzera kwa omwe ali ndi ma inshuwaransi omwe amakhala ndi zigawo A ndi B, ndipo nthawi zambiri gawo la D limapindulira ndi mitundu yowonjezera.

Gawo D

Gawo D limafotokoza za mtengo wamankhwala womwe mukulembedwera ndipo muyenera kugula kudzera pa inshuwaransi yaokha. Madongosolo ambiri a Medicare Advantage akuphatikizira gawo la D.

Kusinkhasinkha

Mapulani a Medigap amapezeka kudzera kwa omwe ali ndi ma inshuwaransi achinsinsi kuti akuthandizireni kulipira zina, chifukwa Medicare yoyambayo ilibe malire. Mapulaniwa amapezeka ndi Medicare yoyambirira.

Akaunti yosunga Medicare

Maakaunti osungira a Medicare (MSAs) ali ofanana ndi maakaunti osungira azaumoyo okhala ndi ndalama zochotseredwa misonkho zomwe zitha kugwiritsidwa ntchito kuchipatala, kuphatikiza ndalama zowonjezerapo za Medicare ndi chisamaliro cha nthawi yayitali. Izi ndizosiyana ndi ma akaunti a federal Medicare savings, ndipo muli ndi malamulo amisonkho oti muwone ndikumvetsetsa musanalembe.

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Idaho?

Onyamula inshuwaransi omwe amapereka mgwirizano wamankhwala a Medicare Advantage ndi Centers for Medicare & Medicaid Services (CMS) ndipo amafotokoza chimodzimodzi monga Medicare yoyambirira. Zambiri mwazinthuzi zimaphimbanso pazinthu monga:

• mano
• masomphenya
• kumva
• mayendedwe opita kuchipatala
• yobereka chakudya kunyumba

Phindu lina la mapulani a Medicare Advantage ndi malire okwana kutuluka m'thumba $ 6,700 - mapulani ena ali ndi malire ochepa. Mukafika pamalire, dongosolo lanu limalipira 100% ya ndalama zomwe zidaphimbidwa chaka chonse.

Mapulani a Medicare Advantage ku Idaho ndi awa:

• Bungwe Losamalira Zaumoyo (HMO). Dokotala wosamalira odwala (PCP) amene mungasankhe kuchokera pagulu la operekera amayang'anira chisamaliro chanu. Muyenera kutumizidwa kuchokera ku PCP yanu kuti muwone katswiri. Ma HMO ali ndi malamulo monga omwe amapereka ndi malo omwe muyenera kugwiritsa ntchito pa netiweki yawo, komanso zofunikira kuvomerezedwa kale, choncho werengani ndikutsatira malamulowo mosamala kuti muwonetsetse kuti simukugundidwa ndi ndalama zosayembekezereka.
• Ntchito ya HMO (HMO-POS). HMO yokhala ndi point of service (POS) imakupatsani mwayi wopeza chisamaliro kunja kwa netiweki pazinthu zina. Pali zolipira zina zowonjezera chisamaliro cha POS kunja kwa netiweki. Mapulani amapezeka m'maboma ena a Idaho.
• Bungwe Lopereka Zokonda (PPO). Ndi PPO, mutha kupeza chisamaliro kuchokera kwa aliyense wopezeka kapena malo mu netiweki ya PPO.Simukusowa kutumizidwa kuchokera ku PCP kuti muwone akatswiri, komabe ndibwino kuti mukhale ndi dokotala wamkulu wa chisamaliro. Chisamaliro kunja kwa netiweki chikhoza kukhala chodula kwambiri kapena chosaphimbidwa.
• Ndalama Zapadera Zothandizira (PFFS). Mapulani a PFFS amakambirana mwachindunji ndi omwe amapereka chithandizo ndi malo kuti adziwe zomwe muyenera kulandira. Ena ali ndi maukonde othandizira, koma ambiri amakulolani kuti mupite kwa dokotala kapena chipatala chilichonse chomwe chingavomereze dongosololi. Zolinga za PFFS sizilandiridwa kulikonse.
• Mapulani Apadera (SNPs). SNP ku Idaho zimaperekedwa m'maboma ena ndipo zimapezeka pokhapokha ngati mukuyenera kulandira Medicare ndi Medicaid (awiri oyenerera).

Mutha kusankha mapulani a Medicare Advantage ku Idaho kuchokera:

• Aetna Medicare
• Blue Cross ya Idaho
• Humana
• MediGold
• Molina Healthcare ku Utah & Idaho
• PacificSource Medicare
• Regence BlueShield yaku Idaho
• SankhaniHealth
• UnitedHealthcare

Zolinga zomwe zilipo zimasiyanasiyana kutengera komwe mukukhala.

Ndani ali woyenera ku Medicare ku Idaho?

Medicare ku Idaho amapezeka kwa nzika zaku US (kapena nzika zalamulo zaka 5 kapena kupitilira apo) omwe ali ndi zaka 65 kapena kupitirira. Ngati simunakwanitse zaka 65, mutha kupeza Medicare ngati:

• adalandira ndalama za Social Security kapena Railroad Retirement Board kwa miyezi 24
• ali ndi matenda am'magazi am'magazi (ESRD)
• ali ndi amyotrophic lateral sclerosis (ALS)

Ndingalembetse liti ku mapulani a Medicare Idaho?

Pali nthawi zina pachaka zomwe mungalembetse kapena kusintha mapulani a Medicare ndi Medicare Advantage.

• Nthawi yoyamba kulembetsa (IEP). Miyezi itatu musanakwanitse zaka 65, mutha kulembetsa ku Medicare kuti mufotokoze zomwe zimayamba mwezi wanu wobadwa. Ngati mwaphonya zenera, mutha kulembetsa mwezi wanu wobadwa kapena miyezi itatu pambuyo pake, koma pali kuchedwa kusanachitike.
• Kulembetsa wamba (Januware 1 – Marichi 31). Mutha kulembetsa magawo A, B, kapena D panthawi yolembetsa ngati mwaphonya IEP ndipo simukuyenera kulembetsa nthawi yapadera. Ngati mulibe zolemba zina ndipo simunalembetse pa IEP yanu, mutha kulipira chindapusa cholembetsera Gawo B ndi Gawo D.
• Kulembetsa kotseguka (Okutobala 15 – Disembala 7). Ngati mwalembetsa kale ku Medicare, mutha kusintha zomwe mungasankhe munthawi yolembetsa pachaka.
• Kulembetsa poyera kwa Medicare Advantage (Januware 1-Marichi 31). Mukamalembetsa anthu onse, mutha kusintha mapulani a Medicare Advantage kapena kusamukira ku Medicare yoyambirira.
• Nthawi yolembetsa yapadera (SEP). Mutha kulembetsa ku Medicare panthawi ya SEP ngati mwataya chindapusa pazifukwa zoyenera, monga kuchoka m'dera lanu lamapulogalamu kapena kutaya dongosolo lomwe olemba anzawo ntchito atapuma pantchito. Simuyenera kudikirira kulembetsa pachaka.

Malangizo pakulembetsa ku Medicare ku Idaho

Pokhala ndi njira zambiri zomwe zilipo, ndikofunikira kuti muganizire mozama zaumoyo wanu kuti mudziwe ngati Medicare kapena Medicare Advantage yoyambirira ndiye chisankho chabwino kwambiri komanso ngati mungafune chithandizo chowonjezera.

Sankhani dongosolo lomwe:

• ali ndi madotolo omwe mumawakonda ndi malo omwe ali oyenera komwe muli
• chimakwirira ntchito zomwe mukufuna
• imapereka chithunzithunzi chotsika mtengo
• ali ndi nyenyezi yayikulu pamlingo wokhutira komanso wodwala kuchokera ku CMS

Zida za Idaho Medicare

Pezani mayankho a mafunso ndikuthandizani ndi mapulani a Medicare Idaho pazinthu zotsatirazi:

• Alangizi Akuluakulu Aubwino wa Inshuwaransi Yathanzi (SHIBA) (800-247-4422). SHIBA imapereka thandizo laulere kwa okalamba ku Idaho ndi mafunso okhudza Medicare.
• Dipatimenti ya Inshuwaransi ya Idaho (800-247-4422). Izi zimapereka chidziwitso pa Zowonjezera Zowonjezera ndi Mapulogalamu Osungira Mankhwala kuti athandizidwe kulipira Medicare ngati simungakwanitse.
• Khalani Bwino Idaho (877-456-1233). Uwu ndi mgwirizano wapagulu ndi wachinsinsi ndi zidziwitso ndi zothandizira za Medicare ndi ntchito zina kwa okhala ku Idaho.
• Ndondomeko Yothandizira Mankhwala a Edzi a Idaho (IDAGAP) (800-926-2588). Bungweli limapereka chithandizo chandalama pakuwunika kwa Medicare Part D ngati muli ndi kachilombo ka HIV.

• Ndiyenera kuchita chiyani kenako?

  Mukakhala okonzeka kulembetsa ku Medicare:

  • Sankhani ngati mukufuna kuwonjezera zowonjezera ndi maubwino amulingo wa Medicare Advantage (Gawo C).
  • Onaninso mapulani omwe akupezeka mdera lanu komanso momwe amafotokozera.
  • Lembani kalendala yanu pa IEP yanu kapena kulembetsa nawo kuti mudziwe nthawi yomwe mungalembetse.

  Nkhaniyi idasinthidwa pa Okutobala 5, 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.