Mapulani a Illinois Medicare mu 2021

Zamkati

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

Medicare ndi pulogalamu ya inshuwaransi yazaumoyo yomwe imathandizira anthu azaka 65 kapena kupitilira kulipirira chithandizo chofunikira chamankhwala. Muthanso kukhala woyenera ngati muli ochepera zaka 65 ndikukhala olumala. Ku Illinois, pafupifupi anthu 2.2 miliyoni adalembetsa ku Medicare.

Nkhaniyi ifotokoza zosankha za Medicare ku Illinois mu 2021, kuphatikiza mapulani a Medicare Advantage ndi zomwe mungaganizire mukamagula.

Medicare ndi chiyani?

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

Medicare Yoyambirira, yomwe nthawi zina imatchedwa Medicare yachikhalidwe, imayendetsedwa ndi boma. Mulinso Gawo A (inshuwaransi ya chipatala) ndi Gawo B (inshuwaransi ya zamankhwala).

Gawo A limafotokoza za kugona kuchipatala ndi zina zothandizira odwala, pomwe Gawo B limapereka chithandizo chamankhwala chofunikira, kuphatikiza maulendo a madotolo ndi ntchito zodzitetezera.

Ngati mungalembetse ku Medicare yoyambirira, mutha kusankha kulembetsa mitundu ina yowonjezera. Ndondomeko za Medigap zimaphimba zina mwazithandizo zantchito zomwe Medicare yoyambirira siyichita, monga ma copayment anu ndi ma deductibles. Ngati mukufuna kugwiritsa ntchito mankhwala osokoneza bongo, mutha kulembetsanso pulogalamu yodziyimira nokha, yotchedwa Part D.

Madongosolo a Medicare Advantage (Gawo C) amakupatsirani njira ina yoti mupezere chithandizo cha Medicare. Mapulaniwa amaperekedwa ndi makampani a inshuwaransi apadera, ndipo amaphatikizapo ma Medicare onse a A ndi B services.

Madongosolo a Medicare Advantage ku Illinois atha kupereka maubwino ena ambiri omwe sanaphatikizidwe mu Medicare yoyambirira, monga:

• kumva, masomphenya, ndi chisamaliro cha mano
• Kuphunzira mankhwala osokoneza bongo
• mapulogalamu azaumoyo
• Kupititsa patsogolo mankhwala osokoneza bongo

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Illinois?

Madongosolo ambiri a Medicare Advantage amapezeka kwa okhala ku Illinois. Otsatira a inshuwaransi otsatirawa amapereka mapulani a Medicare Advantage ku Illinois:

• Aetna Medicare
• Kukwera Kumaliza
• Blue Cross ndi Blue Shield yaku Illinois
• Thanzi Labwino
• Cigna
• Chotsani Health Health
• Humana
• Lasso Healthcare
• Zowonjezera
• UnitedHealthcare
• Kusamalira
• Zing Health

Mapulani a Medicare Advantage amasiyana malinga ndi dera, chifukwa chake lembani ZIP code yanu posaka mapulani komwe mumakhala.

Ndani ali woyenera ku Medicare ku Illinois?

Malamulo oyenerera a Medicare amasiyana malinga ndi msinkhu wanu. Ngati muli ochepera zaka 65, mutha kukhala oyenera kutengera izi:

• mwapezeka kuti muli ndi matenda a impso (ESRD) kapena amyotrophic lateral sclerosis (ALS)
• mwakhala muli pa Social Security Disability Insurance (SSDI) kwazaka ziwiri.

Ngati mukukhala ndi zaka 65, ndiye kuti mukuyenera kulandira Medicare ku Illinois mu izi:

• mumakhala ku United States ndipo ndinu nzika zaku U.S. kapena wokhala kwathunthu
• mumalandira kale ma Social Security pantchito kapena mukuwayenerera

Ndingalembetse liti ku mapulani a Medicare Illinois?

Ngati mukuyenerera Medicare, mutha kulembetsa nthawi zina chaka chonse. Nthawi izi zikuphatikiza:

• Nthawi yoyamba kulembetsa. Nthawi iyi ya miyezi 7 imapezeka kwa anthu omwe adzalandire Medicare akafika zaka 65. Zimayamba miyezi itatu mwezi usanakwanitse zaka 65 ndipo umatha miyezi itatu kuchokera mwezi wakubadwa.
• Nthawi yolembetsa yotseguka pachaka. Nthawi yolembetsa yotseguka yapachaka imayamba kuyambira pa Okutobala 15 mpaka Disembala 7. Ngati mungalembetse dongosolo la Medicare Advantage panthawiyi, kufalitsa kwanu kwatsopano kudzayamba pa Januware 1.
• Nthawi yolembetsa ya Medicare Advantage. Kuyambira Januware 1 mpaka Marichi 31 chaka chilichonse, mutha kusintha njira ina ya Medicare Advantage. Mukasintha, kufalitsa kwanu kwatsopano kumayamba patsiku loyamba la mwezi inshuwaransi atalandira pempholi.
• Nthawi yolembetsa yapadera. Ngati mukukumana ndi zochitika zina m'moyo, mumaloledwa kulembetsa ku Medicare kunja kwa nthawi yakulembetsa pachaka. Mutha kukhala ndi nthawi yolembetsa ngati mutaya mwayi wopeza ntchito kwa abwana anu, mwachitsanzo.

Nthawi zina, mutha kulembetsa ku Medicare mosavuta. Ngati mukuyenera kulandira Medicare chifukwa chaulema, mudzalembetsedwa mukalandira ma cheke a SSDI kwa miyezi 24. Mukalandira mapindu a Railroad Retirement kapena Social Security pantchito, mudzalembetsa mukakwanitsa zaka 65.

Malangizo polembetsa ku Medicare ku Illinois

Pali zinthu zambiri zofunika kuziganizira mukamayang'ana njira zambiri za Medicare ku Illinois. Kuti mupeze dongosolo lomwe likugwirizana ndi zosowa zanu, ganizirani izi:

• Ntchito zophimbidwa. Mapulani a Medicare Advantage atha kukhala ndi ntchito zomwe Medicare zoyambirira sizichita, monga mano, masomphenya, kapena chisamaliro chakumva. Ena amaperekanso zopindulitsa, monga ziwalo zolimbitsa thupi. Fufuzani mapulani omwe amakhudza ntchito zomwe mukufuna kapena zomwe mukufuna.
• Mtengo. Mtengo wa mapulani a Medicare Advantage umasiyana. Pazinthu zina, mutha kulipidwa chindapusa pamwezi kuphatikiza pa mtengo wa Medicare Part B. Ndalama zolipirira, kusungitsa ndalama, komanso zochotseredwa zimakhudzanso zolipirira kwanu.
• Wopezera maukonde. Ngati mutalowa nawo dongosolo la Medicare Advantage, mungafunike kupeza chisamaliro kuchokera kwa madotolo ndi zipatala mu netiweki yanu. Mungafune kufunsa omwe akukuthandizani pakadali pano ngati angatenge nawo gawo pazomwe mukuganiza.
• Malo ogwira ntchito. Medicare yoyambirira imapereka kufalitsa padziko lonse lapansi, pomwe mapulani a Medicare Advantage amatumikiranso madera ochepa. Ngati mukufuna kuyenda, mungakonde dongosolo la Medicare lomwe limapatsa mwayi woyenda kapena alendo.
• Mavoti. Chaka chilichonse, ma Centers for Medicare & Medicaid Services (CMS) amawerengetsa nyenyezi imodzi mpaka zisanu. Mulingo wa nyenyezi izi ndizotengera kasitomala, chisamaliro, ndi zina. Kuti muwone kuchuluka kwa mapulani, pitani ku CMS.gov ndikutsitsa Star Ratings Fact Sheet.

Zida za Illinois Medicare

Medicare ndi pulogalamu yovuta, koma pali zinthu zomwe zingakuthandizeni kumvetsetsa zomwe mungasankhe.

Kuti mumve zambiri za Medicare ku Illinois, mutha kulumikizana ndi Senior Health Insurance Program, yomwe imapereka upangiri waulere, m'modzi m'modzi za Medicare ndi zina za inshuwaransi yazaumoyo.

Ndiyenera kuchita chiyani kenako?

Mukakhala okonzeka kugula dongosolo la Medicare, Nazi zomwe mungachite kenako:

• Kuti mulembetse ku Medicare magawo A ndi B, lemberani ku Social Security Administration.Mutha kuyimbira 800-772-1213, pitani ku ofesi ya Social Security, kapena mugwiritse ntchito pulogalamu ya Social Security pa intaneti ya Medicare.
• Ngati muli ndi chidwi ndi mapulani a Medicare Advantage ku Illinois, mutha kufananiza mapulani ku Medicare.gov. Ngati muwona pulani yomwe mumakonda, mutha kulembetsa pa intaneti.

Nkhaniyi idasinthidwa pa Okutobala 2, 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.