Mapulani a Michigan Medicare mu 2021

Zamkati

• Medicare ku Michigan zambiri
• Zosankha za Medicare ku Michigan
• Mankhwala Oyambirira
• Phindu la Medicare ku Michigan
• Mapulani owonjezera a Medicare ku Michigan
• Kulembetsa kwa Medicare ku Michigan
• Malangizo polembetsa ku Medicare ku Michigan
• Zida za Michigan Medicare
• Ndiyenera kuchita chiyani kenako?
• Kutenga

Medicare ndi pulogalamu yaboma yomwe imathandizira achikulire ndi achinyamata olumala kulipira chithandizo chamankhwala. Padziko lonse lapansi, pafupifupi anthu 62.1 miliyoni amatenga chithandizo chamankhwala kuchokera ku Medicare, kuphatikiza anthu pafupifupi 2.1 miliyoni ku Michigan.

Ngati mukugula mapulani a Medicare ku Michigan, mwina mungakhale mukuganiza kuti ndi njira ziti zomwe zingapezeke komanso momwe mungasankhire dongosolo lomwe likukuyenererani.

Medicare ku Michigan zambiri

Centers for Medicare & Medicaid Services (CMS) idanenanso izi pazochitika za Medicare ku Michigan mchaka cha 2021:

• Anthu 2,900,051 aku Michigan adalembetsa ku Medicare.
• Ndalama zapakati pa Medicare Advantage pamwezi zimachepa ku Michigan poyerekeza ndi chaka chatha - kuyambira $ 43.93 mu 2020 mpaka $ 38 mu 2021.
• Pali mapulani 169 a Medicare Advantage omwe akupezeka ku Michigan kwa 2021, poyerekeza ndi mapulani 156 mu 2020.
• Onse okhala ku Michigan omwe ali ndi Medicare amatha kugula dongosolo la Medicare Advantage, kuphatikiza mapulani okhala ndi $ 0 premiums.
• Pali mapulani 29 oyimirira okha a Medicare Part D omwe akupezeka ku Michigan kwa 2021, poyerekeza ndi mapulani 30 mu 2020.
• Onse okhala ku Michigan omwe ali ndi gawo lodziyimira palokha la D amakhala ndi mwayi wopeza pulani pamwezi wotsika kuposa momwe adalipira mu 2020.
• Pali ndondomeko 69 za Medigap zoperekedwa ku Michigan kwa 2021.

Zosankha za Medicare ku Michigan

Ku Michigan, pali njira ziwiri zofunika kwambiri pakufotokozera za Medicare: choyambirira cha Medicare ndi Medicare Advantage. Original Medicare imayang'aniridwa ndi boma, pomwe mapulani a Medicare Advantage amaperekedwa ndi makampani wamba.

Mankhwala Oyambirira

Medicare Yoyamba ili ndi magawo awiri: Gawo A ndi Gawo B.

Gawo A (inshuwaransi ya chipatala) imakuthandizani kulipira ntchito monga kuchipatala komwe amakhala ndi chisamaliro chantchito yaunamwino.

Gawo B (inshuwaransi ya zamankhwala) limakuthandizani kulipira ntchito zambiri zamankhwala, kuphatikiza ntchito zamankhwala, kuwunika zaumoyo, komanso chisamaliro cha odwala.

Phindu la Medicare ku Michigan

Madongosolo a Medicare Advantage ndi njira ina yopezera kuti mufalitse Medicare. Nthawi zina amatchedwa Gawo C. Mapulani amtunduwu ayenera kukhudza ntchito zonse za Medicare za A ndi B. Nthawi zambiri, amaphatikizanso Gawo D, nalonso. Madongosolo a Medicare Advantage atha kuperekanso maubwino ena ambiri, monga masomphenya, mano, ndi chisamaliro chakumva.

Monga wokhala ku Michigan, muli ndi njira zambiri za Medicare Advantage. Kuyambira mu 2021, makampani otsatirawa a inshuwaransi amapereka mapulani a Medicare Advantage ku Michigan:

• Aetna Medicare
• Blue Care Network
• Blue Cross Blue Shield yaku Michigan
• HAP Senior Plus
• Humana
• Choyambirira Health Medicare
• Kudalira Medicare Mwayi
• UnitedHealthcare
• Kusamalira
• Zing Health

Makampaniwa amapereka mapulani m'maboma ambiri ku Michigan.Komabe, mapulani a Medicare Advantage amasiyana malinga ndi boma, chifukwa chake lembani ZIP code yanu posaka mapulani komwe mumakhala.

Kwa Michiganders ena, pali njira yachitatu yopezera Medicare: MI Health Link. Ndondomeko zosamaliridwira izi ndi za anthu omwe adalembetsa ku Medicare ndi Medicaid.

Mapulani owonjezera a Medicare ku Michigan

Madongosolo a Medicare supplement (Medigap) ndi mtundu wa inshuwaransi ya Medicare yogulitsidwa ndi makampani wamba. Zapangidwa kuti zithandizire kulipira ndalama zoyambirira za Medicare, monga:

• chitsimikizo
• amakopera
• kuchotsedwa

Pali mapulani 10 a Medigap, ndipo aliyense amapatsidwa dzina la kalata. Ziribe kanthu kuti mumagwiritsa ntchito kampani yanji, zomwe zimafotokozedwanso ndi dongosolo la zilembo ziyenera kukhala chimodzimodzi. Komabe, mtengo ndi kupezeka kwa pulani iliyonse kumatha kusiyanasiyana kutengera boma, dera, kapena ZIP code komwe mukukhala.

Ku Michigan, makampani ambiri a inshuwaransi amapereka mapulani a Medigap. Pofika 2021, ena mwa makampani omwe amapereka malingaliro a Medigap ku Michigan ndi awa:

• AARP - UnitedHealthcare
• Blue Cross Blue Shield yaku Michigan
• Cigna
• Akoloni Penn
• Humana
• Chofunika Kwambiri paumoyo
• State Farm

Pazonse, muli ndi ndondomeko 69 za Medigap zomwe mungasankhe chaka chino ngati mukukhala ku Michigan.

Kulembetsa kwa Medicare ku Michigan

Ngati mungalandire phindu la Social Security pantchito, mosakayikira mudzangolembetsa ku Medicare mukadzakwanitsa zaka 65. Mutha kulembetsedwanso koyambirira kwa mwezi wanu wa 25 pa SSDI ngati ndinu wachikulire wachichepere wolumala.

Ngati simunalembetsedwe ku Medicare, mutha kulembetsa nthawi zina pachaka. Nthawi zotsatirazi zikupezeka:

• Nthawi yoyamba kulembetsa. Ngati mukuyenera kulandira Medicare ali ndi zaka 65, mutha kulembetsa m'miyezi isanu ndi iwiri yoyamba kulembetsa. Nthawi imeneyi imayamba miyezi itatu mwezi usanakwanitse zaka 65, kuphatikiza mwezi wakubadwa kwanu, ndipo umatha miyezi itatu mutabadwa.
• Nthawi yolembetsa ku Medicare. Ngati muli ndi Medicare, mutha kusintha zina ndi zina pakatikati pa Okutobala 15 ndi Disembala 7 chaka chilichonse. Izi zikuphatikiza kulowa nawo dongosolo la Medicare Advantage.
• Nthawi yolembetsa ya Medicare Advantage. Pakati pa Januware 1 ndi Marichi 31 chaka chilichonse, anthu omwe ali ndi mapulani a Medicare Advantage amatha kusintha momwe amafotokozera. Pakadali pano mutha kusinthana ndi njira yatsopano ya Medicare Advantage kapena kubwerera ku Medicare yoyambirira.
• Nthawi zolembetsa zapadera. Mutha kulembetsa nthawi zina za chaka ngati mukukumana ndi zochitika zina pamoyo wanu, monga kutaya ntchito yanu yazaumoyo kapena kudzipereka kudziko lina.

Malangizo polembetsa ku Medicare ku Michigan

Kusankha dongosolo la Medicare ku Michigan ndichisankho chachikulu. Nazi zina mwa zinthu zomwe mungafune kuganizira mukamazungulira:

• Wopezera maukonde. Ngati mungasankhe kulembetsa nawo dongosolo la Medicare Advantage, nthawi zambiri muyenera kupeza chisamaliro chanu kuchokera kwa omwe amakupatsani ma netiweki. Musanalembetse, fufuzani ngati madotolo, zipatala, ndi malo omwe mumawachezera ndi gawo lamanetiwe.
• Malo ogwira ntchito. Medicare Yoyamba imapezeka mdziko lonse, koma mapulani a Medicare Advantage amatumizira magawo ang'onoang'ono othandizira. Dziwani zomwe gawo lililonse la mapulani ake lili, komanso momwe mungapezere ngati mutatuluka kunja kwa gawo lantchito.
• Ndalama zotuluka m'thumba. Mungafunike kulipira ndalama zoyambira, zochotseredwa, kapena zolipira kuti mupeze chithandizo cha Medicare. Mapulani a Medicare Advantage amakhala ndi mtengo wokwanira kutuluka m'thumba pachaka. Onetsetsani kuti pulani yomwe mwasankha ikugwirizana ndi bajeti yanu.
• Ubwino. Madongosolo a Medicare Advantage akuyenera kugwira ntchito zofananira ndi Medicare yoyambirira, koma atha kupindulitsanso, monga chisamaliro cha mano kapena masomphenya. Akhozanso kuperekanso zofunikira monga mapulogalamu azaumoyo komanso mankhwala osokoneza bongo.
• Kuphunzira kwanu kwina. Nthawi zina, kusainira dongosolo la Medicare Advantage kumatanthauza kutaya mgwirizano wanu kapena olemba anzawo ntchito. Ngati muli ndi chidziwitso, pezani momwe zingakhudzire ndi Medicare musanapange chisankho chilichonse.

Zida za Michigan Medicare

Ngati mukufuna kudziwa zambiri zamalingaliro a Medicare ku Michigan, zotsatirazi zitha kukhala zothandiza:

• Dongosolo Lothandizira la Michigan Medicare / Medicaid, 800-803-7174
• Chitetezo cha Anthu, 800-772-1213

Ndiyenera kuchita chiyani kenako?

Ngati mwakonzeka kulembetsa ku Medicare, kapena ngati mukufuna kudziwa zambiri zamalingaliro a Medicare Advantage ku Michigan:

• Lumikizanani ndi Michigan Medicare / Medicaid Assistance Program kuti mulandire upangiri waulere komanso kuthandizira kuyenda pa Medicare.
• Malizitsani ntchito zapaintaneti patsamba la Social Security, kapena lembetsani munthu kuofesi ya Social Security.
• Yerekezerani mapulani a Medicare Advantage ku Medicare.gov, ndikulembetsa.

Kutenga

• Pafupifupi anthu 2.1 miliyoni ku Michigan adalembetsa ku Medicare mu 2020.
• Pali makampani angapo a inshuwaransi achinsinsi omwe amapereka mitundu yosiyanasiyana ya Medicare Advantage ku Michigan.
• Ponseponse, ndalama zoyendetsera mwezi uliwonse zatsika pazolinga za 2021 za Medicare Advantage ku Michigan.
• Palinso njira zingapo za Part D ndi Medigap ngati mukukhala ku Michigan ndipo mukufuna kugula mapulani amenewo.

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.