Maine Medicare Plans mu 2021

Zamkati

• Medicare ndi chiyani?
• Medicare Gawo A
• Medicare Gawo B
• Medicare Gawo C
• Gawo la Medicare D.
• Kodi mapulani a Medicare Advantage amapezeka ku Maine?
• Ndani ali woyenera ku Medicare ku Maine?
• Ndingalembetse liti ku mapulani a Medicare Maine?
• Nthawi yoyamba kulembetsa
• Kulembetsa wamba: Januware 1 mpaka Marichi 31
• Nthawi yolembetsa: Open 15 mpaka Disembala 7
• Nthawi yolembetsa yapadera
• Malangizo pakulembetsa ku Medicare ku Maine
• Maine Medicare zothandizira
• Ndiyenera kuchita chiyani kenako?

Mukuyenera kuti mulandire chithandizo chamankhwala cha Medicare mukamakwanitsa zaka 65. Medicare ndi pulogalamu ya inshuwaransi yazaumoyo yomwe imapereka malingaliro kudera lonse. Medicare Maine ili ndi njira zingapo zomwe mungasankhe, kuti muthe kusankha machesi abwino pazosowa zanu.

Tengani nthawi kuti mudziwe kuyenerera kwanu, fufuzani mapulani osiyanasiyana, kuti mudziwe zambiri za kulembetsa mapulani a Medicare ku Maine.

Medicare ndi chiyani?

Koyamba, Medicare imatha kuwoneka yovuta. Ili ndi magawo ambiri, zosankha zingapo, komanso ma premium angapo. Kumvetsetsa Medicare Maine kudzakuthandizani kupanga chisankho chomwe chili chabwino kwa inu.

Medicare Gawo A

Gawo A ndiye gawo loyamba la Medicare yoyambirira. Amapereka chithandizo chofunikira cha Medicare, ndipo ngati mungayenerere kupeza ma Social Security, mudzalandira Gawo A kwaulere.

Gawo A likuphatikizapo:

• chisamaliro cha chipatala
• Kuphunzira zochepa pa chisamaliro cha aluso (SNF)
• Kupezeka kochepa kwa zina zantchito zantchito zanyumba
• chisamaliro cha odwala

Medicare Gawo B

Gawo B ndiye gawo lachiwiri la Medicare yoyambirira. Mungafunike kulipira ndalama zoyambira Gawo B. Zimakhudza:

• kusankhidwa kwa madotolo
• chisamaliro choteteza
• zida monga kuyenda ndi njinga za olumala
• chithandizo chamankhwala kuchipatala
• mayeso a labu ndi X-ray
• ntchito zamisala

Medicare Gawo C

Mapulani a Part C (Medicare Advantage) ku Maine amaperekedwa kudzera pa omwe ali ndi inshuwaransi yazaumoyo omwe avomerezedwa ndi Medicare. Amapereka:

• zomwezo monga Medicare yoyambirira (magawo A ndi B)
• Kuphunzira mankhwala osokoneza bongo
• zina zowonjezera, monga masomphenya, mano, kapena kumva

Gawo la Medicare D.

Gawo D ndikulemba mankhwala omwe amaperekedwa kudzera kwa omwe ali ndi ma inshuwaransi. Zimapereka chithandizo cha mankhwala anu akuchipatala.

Ndondomeko iliyonse imalemba mndandanda wosiyanasiyana wa mankhwala, omwe amadziwika kuti formulary. Chifukwa chake, musanalembetse nawo gawo la Gawo D, muyenera kuwonetsetsa kuti mankhwala anu adzaphimbidwa.

Kodi mapulani a Medicare Advantage amapezeka ku Maine?

Ngati mungalembetse ku Medicare yoyambirira, mudzalandira inshuwaransi yothandizidwa ndi boma pamndandanda wazachipatala ndi zamankhwala.

Madongosolo a Medicare Advantage ku Maine, mbali inayi, amapereka njira zodziwikiratu komanso magawo angapo a premium, onse opangidwa kuti agwirizane ndi zosowa za achikulire. Omwe anyamula mapulani a Medicare Advantage ku Maine ndi awa:

• Aetna
• AMH Zaumoyo
• Gawo la Harvard Pilgrim Health Care Inc.
• Humana
• Martin's Point Generations Ubwino
• UnitedHealthcare
• Kusamalira

Mosiyana ndi Medicare yoyambirira, yomwe ndi pulogalamu yadziko lonse, awa omwe amapereka ma inshuwaransi achinsinsi amasiyanasiyana malinga ndi mayiko - ngakhale pakati pa zigawo. Pofunafuna mapulani a Medicare Advantage ku Maine, onetsetsani kuti mukungofanizira mapulani omwe amapereka kufalitsa mdera lanu.

Ndani ali woyenera ku Medicare ku Maine?

Mukamaganizira zomwe mungasankhe, ndizothandiza kudziwa zofunikira pakuyenerera mapulani a Medicare ku Maine. Muyenera kulandira Medicare Maine ngati:

• ali ndi zaka 65 kapena kupitirira
• ali ndi zaka zosakwana 65 ndipo ali ndi matenda osachiritsika, monga matenda a renal end (ESRD) kapena amyotrophic lateral sclerosis (ALS)
• ali ndi zaka zosakwana 65 ndipo alandila zabwino za Social Security kwa miyezi 24
• ndi nzika yaku U.S. kapena wokhalitsa

Muyenera kulandira gawo laulere la Part A kudzera mu Medicare Maine ngati:

• analipira misonkho ya Medicare pazaka 10 za ntchito yanu
• amalandila zopuma pantchito kuchokera ku Social Security kapena Railroad Retirement Board
• anali wogwira ntchito m'boma

Ndingalembetse liti ku mapulani a Medicare Maine?

Nthawi yoyamba kulembetsa

Nthawi yabwino yolembetsa nawo mapulani a Medicare ku Maine ndi nthawi yanu yoyamba kulembetsa. Izi zimakuthandizani kuti muzitha kufalitsa zomwe mukufuna kuyambira mukakhala ndi zaka 65.

Nthawi yanu yoyamba kulembetsa ndi zenera la miyezi 7 lomwe limayamba miyezi itatu isanakwane tsiku lanu lobadwa la 65, kuphatikiza mwezi wanu wobadwa, ndikupitilira miyezi itatu yoonjezera mutabadwa.

Ngati mukuyenereradi phindu la Social Security, mudzangolembetsa ku Medicare Maine yoyambirira.

Munthawi imeneyi, mutha kulembetsa mu gawo la D kapena dongosolo la Medigap.

Kulembetsa wamba: Januware 1 mpaka Marichi 31

Kuphunzira kwa Medicare kuyenera kuunikidwanso chaka chilichonse ngati chithandizo chazachipatala chikusowa kapena mapulani asintha mfundo zawo.

Nthawi yolembetsa ndi kuyambira Januware 1 mpaka Marichi 31. Zimakupatsani mwayi kuti mulembetse Medicare yoyambirira ngati simunatero kale. Muthanso kugwiritsa ntchito nthawi ino kulembetsa nawo mapulani a Medicare Advantage kapena kufotokozera gawo D.

Nthawi yolembetsa: Open 15 mpaka Disembala 7

Nthawi yolembetsa yotseguka imayamba kuyambira Okutobala 15 mpaka Disembala 7. Ndi nthawi ina yomwe mungasinthe kufalitsa.

Munthawi imeneyi, mudzatha kusinthana pakati pa mapulani a Medicare Advantage ku Maine, kubwerera ku chindapusa choyambirira cha Medicare, kapena kulembetsa kufalitsa kwa mankhwala.

Nthawi yolembetsa yapadera

Nthawi zina zimakupatsani mwayi woti mulembetse ku Medicare Maine kapena musinthe mapulani anu kunja kwa nthawi zolembetsa izi. Mutha kukhala ndi mwayi wolembetsa ngati:

• kutaya inshuwaransi yaubwana wanu
• tulukani m'dera lanu lotetezedwa
• sungani nyumba yosungirako okalamba

Malangizo pakulembetsa ku Medicare ku Maine

Mukamayesa zomwe mungasankhe ndikuyerekeza mapulani a Medicare ku Maine, tsatirani malangizo awa:

• Dziwani nthawi yomwe mukuyenera kulembetsa ndipo, ngati zingatheke, lembetsani nthawi yoyamba kulembetsa.
• Lankhulani ndi ofesi ya dokotala wanu kuti muwone ma network omwe ali. Medicare Yoyambirira imakhudza madokotala ambiri; Komabe, amayendetsa mwachinsinsi mapulani a Medicare Advantage ku Maine amagwira ntchito ndi madotolo apakompyuta m'chigawo chilichonse. Onetsetsani kuti dokotala ali mgulu lovomerezeka la pulani iliyonse yomwe mukuganiza.
• Ngati mukuganiza dongosolo lamankhwala osokoneza bongo kapena dongosolo la Advantage, lembani mndandanda wathunthu wamankhwala anu onse. Kenako, yerekezerani mndandandawu motsutsana ndi zomwe zimaperekedwa ndi pulani iliyonse momwe mukuwonera kuti mankhwala anu akuphatikizidwa.
• Onani momwe pulani iliyonse yakwaniritsira kwathunthu, ndipo yang'anani kuwerengera kwamachitidwe kapena dongosolo la nyenyezi. Mulingo uwu ukuwonetsa momwe pulani idakhalira pamtundu wa chithandizo chamankhwala, kayendetsedwe ka mapulani, ndi luso la mamembala. Dongosolo lokhala ndi nyenyezi za 5 lachita bwino kwambiri. Muyenera kuti mudzakhutira ndi pulani ngati izi zikakwaniritsa zosowa zanu zonse.

Maine Medicare zothandizira

Mabungwe aboma otsatirawa atha kupereka zidziwitso zambiri za mapulani oyamba a Medicare ndi Medicare Advantage ku Maine:

• State of Maine Okalamba & Ntchito Zolumala. Imbani 888-568-1112 kapena mupeze zambiri pa intaneti zokhudzana ndi kuthandizira anthu ammudzi ndi kunyumba, chisamaliro cha nthawi yayitali, ndi upangiri wa State Health Insurance Assistance Program (SHIP), komanso upangiri wokhudza Medicare.
• Bureau ya Inshuwaransi. Imbani 800-300-5000 kapena onani tsambalo kuti mumve zambiri za maubwino ndi mitengo ya Medicare.
• Ntchito Zalamulo kwa Okalamba. Kuti mumve upangiri waulere wokhudza zaumoyo wa inshuwaransi, mapulani a Medicare, Social Security, kapena mapenshoni, imbani 800-750-535 kapena yang'anani pa intaneti.

Ndiyenera kuchita chiyani kenako?

Pamene mukuyandikira zaka 65 zakubadwa, yambani kupeza zambiri zamapulani a Medicare ku Maine ndikuyerekeza zosankha zanu. Muthanso kuchita izi:

• Ganizirani zamankhwala omwe mungafune kulandila, ndikupeza dongosolo lomwe likufanana ndi bajeti yanu, komanso chisamaliro chanunso chimafunikira.
• Gwiritsani ntchito zip code yanu posaka mapulani kuti mutsimikizire kuti mukuyang'ana omwe mungapeze.
• Itanani Medicare, kapena pulani ya Advantage kapena gawo la D, kuti mufunse mafunso otsatirawa ndikuyamba kulembetsa.

Nkhaniyi idasinthidwa pa Novembala 20, 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.