Mapulani a Montana Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Mankhwala Oyambirira
• Medicare Advantage (Gawo C) ndi Medicare Gawo D.
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Montana?
• Ndani Ali Woyenerera Medicare ku Montana?
• Ndingalembetse liti ku mapulani a Medicare Montana?
• Malangizo Olembetsera ku Medicare ku Montana
• Zothandizira za Montana Medicare
• Ndiyenera kuchita chiyani kenako?

Madongosolo a Medicare ku Montana amapereka njira zingapo zofotokozera. Kaya mukufuna kufotokozera zamankhwala kudzera ku Medicare yoyambirira kapena dongosolo lokwanira la Medicare Advantage, Medicare Montana imapereka mwayi wothandizira zaumoyo m'boma.

Medicare ndi chiyani?

Medicare Montana ndi pulogalamu ya inshuwaransi yazaumoyo yolipidwa ndi boma. Amapereka chithandizo chamankhwala kwa anthu azaka zapakati pa 65 kapena kupitilira apo komanso omwe ali ndi matenda osachiritsika kapena olumala.

Pali magawo angapo ku Medicare, ndipo kumvetsetsa magawowa kukuthandizani kusankha njira yoyenera ya Medicare ku Montana.

Mankhwala Oyambirira

Medicare Yoyambirira ndi pulogalamu yofunika kwambiri yothandizira inshuwaransi. Idagawika magawo awiri: Gawo A ndi Gawo B.

Gawo A, kapena inshuwaransi ya chipatala, ndiyopanda mtengo kwaulere kwa anthu omwe ali ndi mwayi wopeza ma Social Security. Gawo A chimakwirira:

• chisamaliro cha kuchipatala
• chisamaliro cha odwala
• Kuphunzira zochepa za chisamaliro cha aluso
• zina zantchito zantchito zanyumba

Gawo B, kapena inshuwaransi yamankhwala, ikuphimba:

• chisamaliro cha odwala kuchipatala ndi maopaleshoni
• kuyezetsa matenda ashuga, matenda amtima, ndi khansa
• ntchito yamagazi
• madokotala ambiri amapita
• ntchito zama ambulansi

Medicare Advantage (Gawo C) ndi Medicare Gawo D.

Mapulani a Medicare Advantage (Gawo C) amaperekedwa kudzera m'makampani a inshuwaransi wamba m'malo mwa mabungwe aboma. Izi zikutanthauza kuti mudzakhala ndi zosankha zambiri potengera ntchito zomwe zimaperekedwa komanso ndalama zoyambira.

Zolinga za Medicare Advantage ku Montana zikuphimba:

• zipatala zonse ndi ntchito zamankhwala zothandizidwa ndi magawo oyamba a Medicare A ndi B
• sankhani chithandizo chamankhwala
• mano, masomphenya, ndi chisamaliro chakumva
• mamembala olimba
• ntchito zina zoyendera

Mapulani a mankhwala a Medicare Part D amapereka chithandizo kuti muchepetse ndalama zomwe mumalandira m'thumba. Pali mapulani osiyanasiyana amtundu uliwonse, iliyonse imakhudza mankhwala osiyanasiyana. Mapulaniwa atha kuwonjezeredwa patsamba lanu loyambirira la Medicare. Gawo D lithandizanso kupeza katemera wambiri.

Kusankha chithandizo choyenera kutengera zosowa zaumoyo wanu kumatha kukupangitsani kusankha njira zoyambirira za Medicare kuphatikiza Gawo D, kapena mungafune kufufuza njira zomwe mungakonde pa Medicare Advantage ku Montana.

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Montana?

Ndondomeko zopindulitsa zimaperekedwa ndi othandizira angapo a inshuwaransi yazaumoyo omwe amasiyanasiyana kutengera komwe muli. Mapulaniwa adakwaniritsidwa kuti akwaniritse zosowa zaumoyo m'derali, onetsetsani kuti mukusaka mapulani omwe akupezeka m'chigawo chanu. Awa ndi omwe amapereka inshuwaransi yazaumoyo ku Montana:

• Blue Cross ndi Blue Shield yaku Montana
• Humana
• Lasso Healthcare
• PacificSource Medicare
• UnitedHealthcare

Aliyense wa omwe ali ndi inshuwaransi yazaumoyo ali ndi mapulani angapo oti angasankhe, okhala ndi magawo angapo a premium, chifukwa chake onetsetsani ndalama zoyambira ndi mndandanda wazithandizo zantchito poyerekeza mapulani.

Ndani Ali Woyenerera Medicare ku Montana?

Madongosolo a Medicare ku Montana amapindulitsa anthu akafika zaka 65 komanso omwe ali ndi matenda ena kapena olumala. Anthu ambiri amalembetsa ku Medicare Part A kudzera pa Social Security.

Pazaka 65, mutha kusankhanso kulembetsa mu Gawo B, Gawo D, kapena dongosolo la Medicare Advantage. Kuti muyenerere mapulani a Medicare ku Montana muyenera kukhala:

• zaka 65 kapena kupitirira
• wokhala ku Montana
• nzika ya U.S.

Akuluakulu ochepera zaka 65 amathanso kulandira mwayi wopeza chithandizo cha Medicare. Ngati muli ndi chilema kapena matenda osachiritsika monga amyotrophic lateral sclerosis (ALS) kapena matenda am'magazi (ESRD), mutha kulandira Medicare. Komanso, ngati mwalandira ndalama za Social Security Disability Insurance kwa miyezi 24, mudzayeneranso kupeza Medicare ku Montana.

Ndingalembetse liti ku mapulani a Medicare Montana?

Kaya munangolembetsa kapena ayi mu Medicare Part A, mudzayenerera kulembetsa (IEP) mukadzakwanitsa zaka 65. Mutha kuyamba kulembetsa miyezi itatu tsiku lanu lobadwa lisanakwane, ndipo IEP iwonjezeranso miyezi itatu pambuyo pa tsiku lanu lobadwa. Komabe, ngati mungalembetse pambuyo pa tsiku lanu lobadwa, masiku oyambira kufalitsa achedwa.

Pa IEP yanu, mutha kulembetsa mu Gawo B, Gawo D, kapena dongosolo la Medicare Advantage. Ngati simulembetsa nawo gawo la D panthawi ya IEP yanu, mudzayenera kulipira chiwongola dzanja chakumapeto kwa gawo lanu la Part D mtsogolo.

Mutha kulembetsa mapulani a Medicare Advantage ku Montana kapena gawo la Gawo B panthawi yolembetsa ku Medicare kuyambira pa Okutobala 15 mpaka Disembala 7 chaka chilichonse. Munthawi imeneyi, mutha kusintha zina ndi zina pa zaumoyo wanu. Mutha:

• lembani dongosolo la Medicare Advantage ngati muli ndi Medicare yoyambirira
• kulembetsa mu dongosolo la mankhwala
• kusiya dongosolo la Medicare Advantage ndikubwerera ku Medicare yoyambirira
• sinthani pakati pa mapulani a Medicare Advantage ku Montana
• sinthani pakati mapulani azamankhwala

Madongosolo a Medicare amasintha chaka chilichonse, chifukwa chake mungafune kuwunikiranso momwe mungakwaniritsire nthawi ndi nthawi. Mu Medicare Advantage nthawi yolembetsa kuyambira Januware 1 mpaka Marichi 31, mutha kusintha kusintha kwanu kuti muphatikize kuphatikiza:

• kusintha njira imodzi ya Medicare Advantage kupita ku ina
• kusiya dongosolo la Medicare Advantage ndikubwerera ku Medicare yoyambirira

Ngati mwangotaya kumene olemba anzawo ntchito, mwachoka kudera lomwe munafikiridwa, kapena mukuyenerera Medicare Montana chifukwa chaulema, mutha kulembetsa nthawi yolembetsa kuti mulembetse ku Medicare kapena musinthe momwe mumafotokozera.

Malangizo Olembetsera ku Medicare ku Montana

Pali zambiri zofunika kuziyerekeza poyerekeza mapulani a Medicare ku Montana, koma ndi nthawi ndi kafukufuku, mutha kukhala otsimikiza pazisankho zanu. Nawa maupangiri ochepa okuthandizani kusankha njira yomwe ingakwaniritse zosowa zanu:

• Lembani zosowa zanu zonse zaumoyo. Kodi zosowazi zikuthandizidwa ndi Medicare yoyambirira? Ngati sichoncho, yang'anani mapulani a Medicare Advantage ku Montana omwe amakupatsani zomwe mukufuna, ndipo mukadali mu bajeti yanu.
• Lembani mankhwala anu onse. Ndondomeko iliyonse yamankhwala ndi Advantage zimakhudza mankhwala osiyanasiyana, chifukwa chake onetsetsani kuti mwapeza dongosolo lomwe lingakupatseni mankhwala oyenera.
• Dziwani kuti dokotala wanu ndi wa inshuwaransi iti. Wothandizira aliyense wa inshuwaransi payekha amagwira ntchito ndi omwe amakupatsani ma intaneti, choncho onetsetsani kuti dokotala akuvomerezedwa ndi dongosolo lomwe mukuganiza.

Zothandizira za Montana Medicare

Mutha kudziwa zambiri za Medicare Montana, kapena kulumikizana ndi zina zowonjezera, mwa kulumikizana ndi:

Mankhwala (800-633-4227). Mutha kuyimbira Medicare kuti mumve zambiri zamapulani omwe aperekedwa, komanso kuti mupeze maupangiri ena pakufananiza Mapulani a Advantage mdera lanu.

Montana department of Public Health and Human Services, Senior and Long-Term Care Division (406-444-4077). Pezani zambiri za pulogalamu yothandizidwa ndi SHIP, ntchito zam'madera, ndi njira zosamalirira kunyumba.

Commissioner wa Zachitetezo ndi Inshuwaransi (800-332-6148). Pezani chithandizo cha Medicare, dziwani zambiri za nthawi yolembetsa, kapena mulandire chithandizo chamunthu.

Ndiyenera kuchita chiyani kenako?

Mukamafufuza njira zomwe mungasankhe, yesani mosamala zosowa zanu pakadali pano ndi bajeti kuti muwonetsetse kuti zomwe mukuganiza zikusungirani kapena kukonza moyo wanu.

• Onetsetsani kuti mapulani omwe mukuwayerekezera onse amaperekedwa mdera lanu komanso zip code yanu.
• Werengani kuchuluka kwa nyenyezi za CMS pazomwe mukuganiza. Mapulani omwe ali ndi nyenyezi 4- kapena 5-nyenyezi adavoteledwa ngati mapulani abwino.
• Imbani pulogalamu ya Advantage kapena mupeze tsamba lawo lawebusayiti kuti mumve zambiri.
• Yambitsani ntchitoyo pafoni kapena pa intaneti.

Nkhaniyi idasinthidwa pa Novembala 10, 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.