Mapulani a Nebraska Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Nebraska?
• Ndani ali woyenera Medicare ku Nebraska?
• Ndingalembetse liti ku mapulani a Medicare Nebraska?
• Malangizo Olembetsera ku Medicare ku Nebraska
• Zida za Nebraska Medicare
• Ndiyenera kuchita chiyani kenako?

Ngati mumakhala ku Nebraska ndipo mukuyenera kulandira Medicare - kapena mukuyandikira kuyenerera - mwina mungakhale mukuganiza za zomwe mungasankhe. Medicare ndi pulogalamu ya inshuwaransi yazaumoyo ya achikulire azaka 65 kapena kupitilira kapena anthu azaka zilizonse omwe ali ndi zilema.

Kwa zaka zambiri, pulogalamuyi yakula ndikuphatikiza zomwe mungagule kumakampani a inshuwaransi apadera kuti mulimbikitse kapena kusintha zomwe mumalandira kuchokera kuboma.

Medicare ndi chiyani?

Medicare ili ndi magawo osiyanasiyana. Medicare yapachiyambi, kufotokozera komwe mumalandira kuchokera kuboma, kumaphatikizapo magawo A ndi B.

• Gawo A limathandizira kulipira zina mwazithandizo zakuchipatala zomwe mumalandira kuchipatala, limapereka chithandizo chochepa cha malo osamalira odwala ndi ntchito zanyumba, komanso chimasamalira odwala.
• Gawo B limathandizira kulipira chithandizo chamankhwala kuchipatala komwe mumalandira mukamawona dokotala kapena katswiri.

Ngati inu kapena mnzanu mwagwira ntchito kwa zaka zosachepera 10, mukuyenera kuti mulandire Gawo A popanda kulipira ndalama zilizonse. Izi ndichifukwa choti mwina mudalipira kale kudzera mumisonkho yolipira. Muyenera kulipira gawo la Part B. Ndalama zoyambira zimasiyanasiyana kutengera zinthu, monga ndalama zanu.

Medicare yapachiyambi si 100%. Mumalipirabe mthumba mukawona adotolo ngati ma copays, ma coinsurance, ndi ma deductibles. Ndipo palibe kufotokozera konse pamankhwala azamankhwala, chisamaliro cha nthawi yayitali, kapena ntchito zamano kapena zamasomphenya.

Mwamwayi, pali mapulani a Medicare omwe mungagule kumakampani a inshuwaransi omwe angawonjezere kapena kusintha Medicare yoyambirira:

• Mapulani owonjezera a Medicare, omwe nthawi zina amatchedwa mapulani a Medigap, onjezani ku Medicare yanu yoyambirira. Amatha kuthandiza kuthana ndi zina mwazovuta za kukopera ndi kutsimikizika ndalama. Amathanso kuwonjezera mano, masomphenya, chisamaliro cha nthawi yayitali, kapena zina.
• Mapulani a Gawo D ndi mapulani a mankhwala. Amathandizira kulipira ndalama zamankhwala akuchipatala.
• Mapulani a Medicare Advantage (Gawo C) amapereka njira "zonse-mu-imodzi" kuti apeze Medicare yoyambirira komanso kufotokozera zowonjezera. Madongosolo a Medicare Advantage amakwaniritsa zabwino zomwezo monga Medicare yoyambirira, kuphatikiza mitundu yowonjezera yomwe mungapeze pakuwonjezera dongosolo lowonjezera la Medicare, kuphatikiza mankhwala akuchipatala, mano, ndi maubwino ena. Madongosolo a Medicare Advantage nthawi zambiri amabwera ndi zowonjezera zambiri, kuphatikizapo mapulogalamu azaumoyo ndi thanzi, kuchotsera mamembala, ndi zina zambiri.

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Nebraska?

Ngati Medicare Advantage ikuwoneka ngati njira yabwino kwa inu, pali makampani angapo a inshuwaransi omwe amapereka mapulani m'boma la Nebraska. Zikuphatikizapo:

• Aetna Medicare
• Blue Cross ndi Blue Shield yaku Nebraska
• Thanzi Labwino
• Humana
• Medica
• Ndondomeko ya Medical Associates Health Plan, Inc.
• UnitedHealthcare

Mapulani a Medicare Advantage amasiyana malinga ndi dera, chifukwa chake lembani ZIP code yanu posaka mapulani komwe mumakhala.

Ndani ali woyenera Medicare ku Nebraska?

Nthawi zambiri timaganiza za Medicare ngati inshuwaransi ya anthu azaka 65 kapena kupitilira apo, koma mutha kulembetsa ku Medicare ngati muli:

• zaka 65 kapena kupitirira
• ochepera zaka 65 ndipo ali ndi chilema choyenera
• m'badwo uliwonse ndipo ali ndi matenda am'magazi (ESRD) kapena amyotrophic lateral sclerosis (ALS)

Ndingalembetse liti ku mapulani a Medicare Nebraska?

Ngati kuyenerera kwanu kwa Medicare kutengera msinkhu, nthawi yanu yoyamba kulembetsa imayamba miyezi itatu musanathe zaka 65 zakubadwa ndikupitilira miyezi itatu pambuyo pake. Nthawi zambiri zimakhala zomveka kulembetsa mu Gawo A pakadali pano, popeza mwina simusowa kulipira kalikonse, ndipo phindu la Gawo A lidzagwirizana ndi inshuwaransi iliyonse yomwe muli nayo.

Ngati inu kapena mnzanu mupitilizabe kugwira ntchito, ndipo mukuyenererabe kufotokozedwa kudzera mu dongosolo laumoyo lomwe limathandizidwa ndi olemba anzawo ntchito, mutha kusankha kulembetsa gawo B kapena zina zowonjezera panthawiyi. M'mikhalidwe imeneyi, mudzayenerera kulembetsa nthawi ina pambuyo pake.

Kuphatikiza apo, pali nthawi yolembetsa yotseguka chaka chilichonse pomwe mutha kulembetsa ku Medicare koyamba kapena kusintha mapulani. Nthawi yolembetsa mapulani a Medicare Advantage imayamba kuyambira Januware 1 mpaka Marichi 31 chaka chilichonse.

Malangizo Olembetsera ku Medicare ku Nebraska

Mukakhala okonzeka kulembetsa, ndikofunikira kuchita homuweki yanu pamapulani a Medicare ku Nebraska, makamaka ngati mukuganizira dongosolo la Medicare Advantage. Ngakhale malamulo aboma amafuna kuti mapulani a Medicare Advantage akwaniritse zabwino zomwezo monga Medicare yoyambirira, pamakhala kusinthasintha momwe mapulani amapangidwira. Ena ndi mapulani a Health Maintenance Organisation (HMO), pomwe ena ndi mapulani a Preferred Provider Organisation (PPO).

Mtundu wamtundu wanji womwe umagwira ntchito bwino kwa inu umadalira momwe zinthu ziliri ndi zokonda zanu. Zingakhale zothandiza kukumbukira mafunso monga awa:

• Kodi netiweki yapaintaneti imakhala yotani?
• Kodi netiwekiyi imaphatikizapo asing'anga ndi zipatala zomwe ndingafune zomwe ndizotheka?
• Kodi ndifunikira kutumizidwa ngati ndikufunika kukawona akatswiri?
• Kodi ndondomekoyi inganditengere ndalama zingati, pomanga nawo ndalama komanso ndikafika kuntchito ndikafuna chithandizo?
• Kodi dongosololi likuphatikiza kufalitsa ndi mapulogalamu omwe amamveka bwino kwa ine?

Zida za Nebraska Medicare

Izi zitha kukhala zothandiza kukuthandizani kuti mudziwe zambiri pazomwe mungasankhe pa Medicare Nebraska:

• Nebraska Dipatimenti ya Inshuwaransi
• Mankhwala
• Ntchito Zachitetezo Cha Anthu

Ndiyenera kuchita chiyani kenako?

Mukakonzeka kulembetsa dongosolo la Medicare Nebraska, ganizirani izi:

• Fufuzani pazomwe mungasankhe. Mndandanda womwe uli pamwambapa ungakhale poyambira kuphunzira zambiri za mapulani a Medicare Advantage ku Nebraska.
• Kungakhalenso kothandiza kufikira kwa wothandizira yemwe ali ndi ukadaulo ndi Medicare ndipo kungakuthandizeni kumvetsetsa momwe zosankha zanu zingafanane ndi vuto lanu.
• Ngati muli pakati pa nthawi yoyamba kulembetsa kapena kulembetsa, lembani fomu ya Medicare yapaintaneti patsamba la Social Security Administration. Kugwiritsa ntchito kumatenga mphindi ndipo sikufuna zolemba zilizonse zoyambirira.

Nkhaniyi idasinthidwa pa Novembala 13, 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.