Mapulani a Iowa Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Mankhwala Oyambirira
• Medicare Ubwino
• Ndi mapulani ati a Medicare Advantage omwe akupezeka ku Iowa?
• Ndani ali woyenera ku Medicare ku Iowa?
• Ndingalembetse liti ku mapulani a Medicare Iowa?
• Malangizo polembetsa ku Medicare ku Iowa
• Zothandizira ku Iowa Medicare
• Ndiyenera kuchita chiyani kenako?

Ngati mukukhala ku Iowa, mutha kulandira Medicare. Pulogalamuyi imapereka inshuwaransi yazaumoyo ku Iowans azaka 65 kapena kupitilira apo, komanso achinyamata ena olumala.

Ngati mwatsopano ku Medicare, sikophweka nthawi zonse kudziwa zomwe mungachite polemba. Nkhaniyi ikupereka chidziwitso ku Medicare Iowa, kuphatikiza njira za Medicare Advantage ndi momwe mungasankhire pulani yomwe ili yoyenera kwa inu.

Medicare ndi chiyani?

Pali njira ziwiri zofotokozera za Medicare ku Iowa. Mutha kusankha choyambirira cha Medicare kapena Medicare Advantage.

Mankhwala Oyambirira

Original Medicare amatchedwanso chikhalidwe Medicare. Amaperekedwa kudzera m'boma ndipo amaphatikiza:

• Gawo A (inshuwaransi ya chipatala). Gawo A limafotokoza ntchito zosiyanasiyana zokhudzana ndi zipatala, kuphatikiza zipatala zogona odwala ndi chisamaliro chochepa cha malo oyamwitsa.
• Gawo B (inshuwaransi ya zamankhwala). Gawo B limaphatikizapo kufotokozera ntchito zambiri zofunika kuchipatala komanso zodzitetezera, monga maulendo a dokotala, mayeso olimbitsa thupi, ndi kuwombera chimfine.

Medicare Yoyamba sikuphimba chilichonse, koma makampani a inshuwaransi amapereka mapulani omwe angathandize kudzaza mipata. Ngati mukufuna chithandizo chamankhwala, mungalembetse dongosolo la Medicare Part D. Ngati mukufuna thandizo kulipira ndalama za Medicare, ndalama zandalama, ndi zochotseredwa, mutha kulembetsa ku Medigap inshuwaransi ya Medicare).

Medicare Ubwino

Ku Iowa, njira ina yanu ndi njira ya Medicare Advantage. Mapulaniwa amaperekedwa ndi makampani wamba ndipo amayendetsedwa ndi boma. Amagwira kuchipatala chimodzimodzi ndi kuchipatala monga Medicare yoyambirira, koma nthawi zambiri amakhala ndi maubwino ena, monga:

• Kuphunzira mankhwala osokoneza bongo
• kumva, masomphenya, kapena kuphimba mano

Ndi mapulani ati a Medicare Advantage omwe akupezeka ku Iowa?

Kuyambira mu 2021, onyamula otsatirawa amagulitsa mapulani a Medicare Advantage ku Iowa:

• Aetna Medicare
• HealthPartner UmodziPoint Health
• Humana
• Medica
• Ndondomeko ya Medical Associates Health Plan, Inc.
• MediGold
• UnitedHealthcare

Makampaniwa amapereka mapulani m'maboma ambiri ku Iowa. 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 Iowa?

Ngati muli ochepera zaka 65, muyenera kulandira Medicare Iowa ngati:

• mwapezeka kuti muli ndi matenda am'magazi (ESRD)
• mwapezeka kuti muli ndi amyotrophic lateral sclerosis (ALS)
• mwakhala mukupeza Inshuwaransi Yolemala Yachitetezo cha Anthu kwa zaka zosachepera 2

Kwa a Iowans omwe ali ndi zaka 65, kukwaniritsa chimodzi mwanjira izi kumakupatsani mwayi wopeza Medicare:

• mwina ndinu nzika yaku U.S. kapena nzika zonse zomwe mwakhala mdzikolo kwa zaka zosachepera 5
• pakadali pano mumalandila mapindu opuma pantchito ya Social Security kapena mukuyenera kulandira mapinduwa

Palinso malamulo ena oyenererana ndi mapulani a Medicare Advantage ku Iowa.Kuti mukhale woyenera, muyenera kukhala mdera lomwe mukugwirako ntchito ndikukhala ndi gawo la Medicare A ndi B.

Ndingalembetse liti ku mapulani a Medicare Iowa?

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

• Nthawi yoyamba kulembetsa. Ngati mukuyenerera kukhala ndi zaka 65, mutha kulembetsa pamwezi wa 7. Zimayamba miyezi itatu mwezi usanakwanitse zaka 65 ndipo umatha miyezi itatu kuchokera pamwezi wazaka 65 zakubadwa kwanu.
• Nthawi yolembetsa ku Medicare. Nthawi yolembetsa yotseguka pachaka imachitika pakati pa Okutobala 15 ndi Disembala 7. Pakadali pano, mutha kulowa nawo dongosolo la Medicare Advantage kapena kusinthira ku pulani yatsopano.
• Nthawi yolembetsa ya Medicare Advantage. Ngati muli kale mu pulani ya Medicare Advantage, mutha kusinthana ndi ina pakati pa Januware 1 ndi Marichi 31 chaka chilichonse.

Zochitika zina m'moyo, monga kutaya ntchito yomwe imakupatsirani chithandizo chazaumoyo, zimayambitsa nthawi yolembetsa. Izi zimakupatsani mwayi wodzilembera ku Medicare kunja kwa nthawi yolembetsa.

Nthawi zina, mutha kulembetsa ku Medicare mosavuta. Ngati mukuyenerera chifukwa cha chilema, mudzalandira Medicare mutalandira miyezi 24 ya Social Security Disability Insurance. Mudzalembetsanso zokha mukadzakwanitsa zaka 65 ngati mukupeza kale phindu la Social Security pantchito.

Malangizo polembetsa ku Medicare ku Iowa

Mukamagula mapulani a Medicare Advantage, kuchepetsa zomwe mungasankhe kungakhale kovuta. Kuti ntchitoyi ikhale yosavuta, kumbukirani zinthu izi mukamazungulira.

• Bajeti yanu. Musanasankhe pulani, sankhani kuchuluka kwa ndalama zomwe mungagwiritse ntchito. Musaganizire zolipira pamwezi zokha, komanso ndalama zina zolipirira, monga ndalama zandalama, zolipiritsa, ndi zochotseredwa.
• Madokotala anu. Mukalowa nawo dongosolo la Medicare Advantage, nthawi zambiri mumalandira chisamaliro kuchokera kwa madotolo omwe ali mgululi. Ngati mukufuna kupitiliza kuwawona madotolo anu apano, onetsetsani kuti ali pa netiweki.
• Kuphunzira kwanu kumafunikira. Mapulani a Medicare Advantage atha kukhala ndi ntchito zomwe Medicare yoyambirira sichichita, ndipo maubwino owonjezerawa amasiyana ndi mapulani. Ngati mukusowa maubwino ena, monga chisamaliro cha mano kapena chisamaliro cha masomphenya, onetsetsani kuti mapulani anu amawapatsa.
• Thanzi lanu limafunikira. Ngati muli ndi matenda osachiritsika, monga khansa kapena matenda amthupi, mungafune kulowa nawo Special Needs Plan. Mapulaniwa amasanja ntchito zawo ndi maukonde othandizira kuti zigwirizane bwino ndi zosowa za anthu omwe ali ndi zikhalidwe zina.

Zothandizira ku Iowa Medicare

Pali zinthu zambiri zothandiza zomwe zingakuthandizeni kumvetsetsa Medicare Iowa, kuphatikiza:

• Dongosolo La Information Health Insurance Information (SHIIP) 800-351-4664
• Bungwe la Social Security Administration 800-772-1213

Ndiyenera kuchita chiyani kenako?

Nthawi yakwana kulembetsa ku Medicare, mutha:

• Lowani ku Medicare magawo A ndi B. Kuti mupeze Medicare, lemberani ku Social Security Administration. Pali pulogalamu yapaintaneti, koma ngati mungafune, mutha kuyendera ofesi yaku Social Security yakomweko kapena kuyimbira 800-772-1213.
• Gulani mapulani a Medicare ku Medicare.gov. Chida chopezeka pa Medicare pa intaneti chimapangitsa kuti zikhale zosavuta kugula mapulani a Medicare ku Iowa. Mutatha kulowetsa ZIP code yanu, mudzawona mndandanda wazinthu zomwe mungasankhe.
• Lankhulani ndi mlangizi wa Medicare. Ngati mukufuna thandizo poyerekeza mapulani a Medicare mdera lanu, lemberani ku Iowa SHIIP. Wodzipereka wa SHIIP atha kukuthandizani kumvetsetsa zomwe mungasankhe pa Medicare ndikupanga zisankho zodziwika bwino.

Nkhaniyi idasinthidwa pa Okutobala 7, 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.