Mapulani a Massachusetts Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Massachusetts?
• Ndani ali woyenera ku Medicare ku Massachusetts?
• Ndingalembetse liti mu dongosolo la Medicare?
• Malangizo polembetsa ku Medicare ku Massachusetts
• Zothandizira ku Massachusetts Medicare
• Ndiyenera kuchita chiyani kenako?

Pali malingaliro angapo a Medicare ku Massachusetts. Medicare ndi pulogalamu yothandizidwa ndi boma ya inshuwaransi yothandizira kuti ikuthandizeni kukwaniritsa zosowa zanu.

Phunzirani za mapulani osiyanasiyana a Medicare ku Massachusetts mu 2021 ndikupeza njira yoyenera kwa inu.

Medicare ndi chiyani?

Medicare yoyambirira ndiye pulani yoyamba ya Medicare, kuphatikiza magawo A ndi B.

Gawo A limafotokoza zonse zamankhwala, monga zipatala, chithandizo chamankhwala chochepa kunyumba, ndi chisamaliro cha odwala.

Gawo B limapereka chithandizo chamankhwala, kuphatikiza maimidwe a adotolo, ma ambulansi, ndi mayeso monga x-ray ndi ntchito yamagazi.

Ku Massachusetts, mulinso ndi mwayi wosainira dongosolo la Medicare Advantage (Gawo C). Mapulaniwa ndi mapulani onse-amodzi omwe amaperekedwa kudzera munsanja zonyamula inshuwaransi.

Mapulani a Medicare Advantage amakwaniritsa ntchito zofananira ndi Medicare yoyambirira, komanso amapereka chithandizo chamankhwala ndi mapulani ena. Pali madongosolo mazana ambiri a Medicare Advantage ku Massachusetts omwe angasankhe, ndipo ambiri akuphatikizira zowonjezera zowonjezera ntchito monga masomphenya, kumva, kapena chisamaliro cha mano.

Gawo D (cholemba mankhwala) limafotokoza mtengo wamankhwala ndikuchepetsa ndalama zotulutsira mthumba. Ndondomekoyi imawonjezeredwa ku Medicare yoyambirira kuti ipereke chidziwitso chokwanira.

Muthanso kusankha kuwonjezera dongosolo la Medigap. Ndondomeko zowonjezerazi zitha kuthandizira kupereka ndalama zowonjezera zolipirira ndalama zomwe sizinapezeke kudzera mu Medicare yoyambirira, monga ma copays, ma coinsurance, ndi zochotseredwa.

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Massachusetts?

Zolinga za Medicare Advantage ku Massachusetts zimapezeka kwa onse omwe akuyenera kulandira chithandizo cha Medicare. Mapulani awa a Medicare ku Massachusetts ali ndi ndalama zambiri koma amaphatikizira zina zothandizira.

Opereka mapulani a Medicare Advantage ku Massachusetts ndi awa:

• Aetna Medicare
• Blue Cross Blue Shield yaku Massachusetts
• Zaumoyo wa Fallon
• Zotsatira Harvard Pilgrim Health Care, Inc.
• Humana
• Lasso Healthcare
• Ndondomeko ya Zaumoyo ya Tufts
• UnitedHealthcare

Mukasankha dongosolo la Medicare Advantage, mudzafunika kufananiza mitengo yosiyanasiyana ndi mapulani. Onetsetsani kuti pulani yomwe mukufuna iperekedwe mdera lanu. Mapulani amasiyana malinga ndi dera, choncho gwiritsani ntchito zip code yanu kuti muwone ngati mapulani omwe mukuwayerekezera amapezeka mdera lanu.

Ndani ali woyenera ku Medicare ku Massachusetts?

Medicare imapezeka kwa nzika zonse zaku US komanso okhalamo azaka zopitilira 65, komanso anthu omwe ali ndi zilema kapena matenda.

Mutha kulembetsa ku Medicare mukangofika zaka 65, koma ngati simunalembetse, onetsetsani kuti mwakwaniritsa zofunikira izi:

• ndinu nzika ya United States kapena kukhala nzika zokhazikika
• mudalipira kuchotsera kwa Medicare pantchito yanu

Ngati simunakwanitse zaka 65, mutha kulandira Medicare ngati:

• mukhale ndi chilema chomwe mudalandira ndalama za Social Security Disability Insurance kwa miyezi yosachepera 24
• ali ndi matenda am'magazi (ESRD) kapena amyotrophic lateral sclerosis (ALS)

Ndingalembetse liti mu dongosolo la Medicare?

Kodi mwakonzeka kulembetsa nawo dongosolo la Medicare ku Massachusetts?

Mpata wanu woyamba kulembetsa udzakhala munthawi yoyamba kulembetsa (IEP). Iyi ndi miyezi 7 kuyambira miyezi itatu musanabadwe zaka 65, kuphatikiza mwezi wanu wobadwa, ndikutha miyezi 3 mutabadwa. Munthawi imeneyi, mutha kulembetsa ku Medicare yoyambirira ngati mukulandira phindu kuchokera ku Railroad Retirement Board kapena ku Social Security. Ena angafunikire kulembetsa pamanja.

Pakati pa IEP yanu, mutha kusankhiranso mu dongosolo la D, kapena lingalirani dongosolo la Medicare Advantage ku Massachusetts.

Pambuyo pa IEP yanu, mudzakhala ndi mwayi wambiri pachaka kuti mulembetse ku Medicare yoyambirira, kuwonjezera kufalitsa, kapena kusintha njira ya Medicare Advantage. Mutha kusintha zomwe mumalemba panthawi yolembetsa ku Medicare, yomwe ndi Januware 1 mpaka Marichi 31, komanso nthawi yolembetsa pachaka ku Medicare Ogasiti 15 ndi Disembala 7.

Muthanso kukhala ndi mwayi wophunzitsidwa mwapadera ndipo mutha kulembetsa ku Medicare nthawi yomweyo ngati mwasintha posachedwa ku inshuwaransi ya owalemba ntchito kapena mwangopezeka kuti muli ndi matenda okhalitsa.

Malangizo polembetsa ku Medicare ku Massachusetts

Pali zambiri zofunika kuziganizira posankha dongosolo la Medicare. Nawa maupangiri olembetsa kuti akuthandizeni kusankha njira yoyenera ya Medicare:

• Mtengo. Onaninso ndalama zomwe mudalipira chaka chatha. Kodi ndondomeko yanu ya inshuwaransi yomwe idalipo idakupatsani mwayi wokwanira? Ngati sichoncho, yang'anani pulani yomwe ingakupatseni mwayi wambiri ndikuthandizani kupeza mautumiki omwe mukufuna kuti mukhale ndi thanzi labwino.
• Konzani maukonde. Chofunika kukumbukira ndikuti si madotolo onse omwe amafunidwa ndi inshuwaransi iliyonse. Ngati mukuganiza mapulani a Medicare Advantage ku Massachusetts, itanani dokotala wanu kuti mudziwe maukonde omwe ali nawo. Izi zikuthandizani kuti muchepetse kusaka kwanu kuti musasinthe madotolo.
• Mankhwala amafunikira. Ganizirani kuwonjezera Gawo D kapena kufalitsa mankhwala ku pulani yanu yoyambirira ya Medicare Massachusetts. Ngati mwangoyamba kumene kumwa mankhwala atsopano, kuwonjezera Gawo D kapena kupeza njira ya Advantage kungakuthandizeni kusunga ndalama zotuluka m'thumba chaka chamawa.
• Kuphunzira za mankhwala. Itanani mankhwala anu ndikufunseni zomwe amavomereza. Mutha kupeza mapulani abwino omwe amakhudza mankhwala anu koma osavomerezeka ndi mankhwala anu. Funani mankhwala ena m'dera lanu omwe angavomereze dongosololi kuti likuthandizireni kusungitsa ndalama pamankhwala.

Zothandizira ku Massachusetts Medicare

Kuti mudziwe zambiri za mapulani oyamba a Medicare ndi Medicare Advantage ku Massachusetts, mutha kupeza izi kapena kupeza upangiri kuchokera kwa akatswiri.

• Medicare.gov (800-633-4227). Dziwani zambiri za njira zomwe mungapeze, pezani mapulani a PACE, ndikuyerekeza madongosolo osiyanasiyana a Medicare Advantage ku Massachusetts.
• KUWALA (800-243-4636). Ndi SHINE, mutha kupeza uphungu waulere wa inshuwaransi yaulere, phunzirani momwe mungakhazikitsire akaunti ya MyMedicare, komanso mwayi wopeza mapulogalamu a Mass Health.
• Gulu la Insurance Insurance (617-727-2310). Ngati muli ndi chithandizo chamankhwala cha GIC, dziwani zambiri za kulembetsa ku Medicare Massachusetts komanso ndalama zoyambira kafukufuku.
• MassHealth (800-841-2900). Fufuzani ngati mukuyenera kulandira Chithandizo chimodzi ndikupeza zambiri zokhudzana ndi malamulo a Medicare ku Massachusetts.
• MassOptions (844-422-6277). Lumikizanani ndi MassOptions kuti mumve zambiri zakusamalira kwapakhomo, kukhala pawokha kwa achikulire olumala, ndi zina zothandizira.

Ndiyenera kuchita chiyani kenako?

Ngati mukuyenera kulembetsa ku Medicare Massachusetts mu 2021, yerekezerani mosamala mapulani a Medicare kuti muyese zomwe mungasankhe.

• Sankhani ndalama zomwe mungafune kulipira ndikuyang'ana dongosolo la Medicare Massachusetts mdera lanu lomwe likuthandizireni zomwe mukufuna.
• Itanani dokotala wanu kuti mudziwe maukonde omwe ali nawo ndikuyerekeza mapulani osachepera atatu a Medicare ku Massachusetts.
  • Lembetsani ku Medicare pa intaneti kapena poyimbira wothandizila wa Medicare Advantage mwachindunji.

Kaya ndinu watsopano ku Medicare kapena mukuganiza zosintha dongosolo la Medicare Advantage ku Massachusetts, mutha kupeza njira yomwe ingakwaniritse zosowa zanu zonse mu 2021.

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.