Mapulani a Nevada Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Gawo A
• Gawo B
• Gawo C (Medicare Advantage)
• Gawo D
• Medicare inshuwaransi yowonjezera (Medigap)
• Ndi mapulani ati a Medicare Advantage omwe akupezeka ku Nevada?
• Ndani ali woyenera ku Medicare ku Nevada?
• Ndingalembetse liti ku mapulani a Medicare Nevada?
• Nthawi yoyamba kulembetsa (IEP)
• Nthawi yolembetsa
• Kulembetsa kwa Medicare Zopindulitsa
• Tsegulani nthawi yolembetsa
• Nthawi zolembetsa zapadera (SEPs)
• Malangizo pakulembetsa ku Medicare ku Nevada
• Zida za Nevada Medicare
• Ndiyenera kuchita chiyani kenako?

Ngati mukukhala ku Nevada ndipo muli ndi zaka 65 kapena kupitilira apo, mutha kukhala oyenera kulandira Medicare. Medicare ndi inshuwaransi yazaumoyo kudzera m'boma. Muthanso kukhala woyenera ngati muli ndi zaka 65 ndikukwaniritsa zofunikira zina zamankhwala.

Pemphani kuti muphunzire zamomwe mungasankhe pa Medicare ku Nevada, nthawi ndi momwe mungalembetsere, ndi masitepe otsatira.

Medicare ndi chiyani?

• Mankhwala Oyambirira: imakhudza malo okhala kuchipatala ndi chisamaliro cha odwala kunja kwa gawo A ndi B
• Medicare Ubwino: mapulani a inshuwaransi yaumwini omwe amakhala ndi phindu lofananako ndi Medicare yoyambirira komanso atha kuperekanso njira zina zowonjezera
• Gawo la Medicare D: mapulani a inshuwaransi achinsinsi awa amalipira ndalama zomwe mumalandira ndi mankhwala
• Inshuwaransi yothandizira ya Medicare (Medigap): mapulani amapereka chithandizo kuti athandizire kulipira ndalama zochotseredwa, ma copay, ndalama zothandizira ndalama, ndi ndalama zina za Medicare zomwe sizingagwire ntchito

Gawo A

Gawo A limafotokoza za chisamaliro kuchipatala, chipatala chofunikira kwambiri, kapena nthawi yocheperako kumalo osamalira anthu okalamba.

Ngati mukuyenera kulandira Gawo A lopanda premium, palibe mtengo uliwonse pamwezi. Mukhale ndi ngongole ya deductible mukavomerezedwa kuti musamalidwe.

Ngati simukuyenerera gawo A popanda chiwongola dzanja, mutha kulandira Gawo A koma muyenera kulipira.

Gawo B

Gawo B limafotokoza chithandizo china kunja kwa chipatala, kuphatikizapo:

• pitani kwa dokotala wanu
• chisamaliro choteteza
• kuyezetsa labu, kuyezetsa matenda, ndi kujambula
• zida zamankhwala zolimba

Ndalama zomwe zimaperekedwa mwezi uliwonse pagawo B zimasintha chaka chilichonse.

Gawo C (Medicare Advantage)

Ogulitsa inshuwalansi amaperekanso mapulani a Medicare Advantage (Gawo C). Zolinga za Medicare Advantage zimapindulitsanso chimodzimodzi monga gawo A ndi B la Medicare loyambirira koma nthawi zambiri limakhala ndi zowonjezera (ndi zina zowonjezera) zomwe zingaphatikizepo:

• mano, masomphenya, ndi chisamaliro chakumva
• Zoyenda pama wheelchair
• yobereka chakudya kunyumba
• mayendedwe azachipatala

Mukufunikirabe kulembetsa magawo A ndi Gawo B ndikulipira gawo B pamene mulembetsa mu Medicare Advantage plan.

Gawo D

Aliyense pa Medicare ali ndi mwayi wopeza mankhwala akuchipatala (Gawo D), koma amangoperekedwa kudzera ku inshuwaransi yaokha. Ndikofunika kufananiza mapulani chifukwa ndalama ndi kufalitsa zimasiyanasiyana.

Medicare inshuwaransi yowonjezera (Medigap)

Medicare supplemental inshuwaransi (Medigap) imathandizira kulipira ndalama zotulutsira mthumba zamagawo A ndi B. Mapulaniwa amaperekedwa kudzera kwa omwe amapereka inshuwaransi.

Mapulani a Medigap atha kukhala oyenera ngati mungakhale ndi ndalama zambiri zothandizira kuchipatala popeza Medicare yapachiyambi ilibe malire apachaka. Madongosolo a Medigap amathanso kuthandizira kuthana ndi nkhawa pazosadziwika ndalama zolipirira ngati musankha imodzi yokhala ndi thumba.

Ndi mapulani ati a Medicare Advantage omwe akupezeka ku Nevada?

Madongosolo a Medicare Advantage ku Nevada amakhala m'magulu anayi:

Bungwe Losamalira Zaumoyo (HMO). Ndi HMO, chisamaliro chanu chimagwirizanitsidwa ndi dokotala wamkulu wa chisamaliro (PCP) mu netiweki yamapulani omwe amakutumizirani kwa akatswiri ngati pakufunika kutero. Ngati mutuluka pa netiweki china chilichonse kupatula chisamaliro chadzidzidzi kapena dialysis, mwina sichingaphimbidwe. Ndikofunika kuwerenga ndikutsatira malamulo onse.

PMabungwe Opereka (PPO). Mapulani a PPO ali ndi maukonde a madotolo ndi maofesi omwe amapereka chithandizo panjira yanu. Simukusowa kutumizidwa kuti muwone katswiri, komabe mungafunike kukhala ndi PCP kuti mugwirizane ndi chisamaliro chanu. Kusamalira kunja kwa netiweki kumawononga ndalama zambiri.

Ndalama Zapadera Zoyeserera(PFFS). Ndi PFFS, mutha kupita kuchipatala chilichonse chovomerezedwa ndi Medicare, koma amakambirana mitengo yawo. Osati onse omwe amavomereza mapulaniwa, chifukwa chake onetsetsani ngati madokotala omwe mumawakonda atenga nawo mbali musanasankhe njirayi.

Ndondomeko Yakusowa Kwapadera (SNP). SNPs imapezeka kwa anthu omwe amafunikira chisamaliro chokwanira komanso mgwirizano. Mutha kukhala woyenera kulandira SNP ngati:

• khalani ndi thanzi labwino, monga matenda amphongo otsiriza (ESRD), matenda ashuga, kapena matenda amtima wosatha
• ayenerere Medicare ndi Medicaid (awiri oyenerera)
• khalani m'nyumba yosungirako okalamba

Mapulani a Medicare Advantage ku Nevada amaperekedwa ndi omwe akutenga ma inshuwaransi awa:

• Aetna Medicare
• Dongosolo Laumoyo Waumoyo
• Chabwino
• Nyimbo ya Blue Cross ndi Blue Shield
• Humana
• Makampani a Imperial Insurance, Inc.
• Lasso Healthcare
• Ndondomeko Yathanzi Labwino
• SankhaniHealth
• Senior Care Plus
• UnitedHealthcare

Sikuti wonyamula aliyense amapereka mapulani m'maboma onse a Nevada, chifukwa chake zisankho zanu zimasiyana kutengera ZIP code yanu.

Ndani ali woyenera ku Medicare ku Nevada?

Mukuyenera kulandira Medicare ngati muli ndi zaka 65 kapena kupitilira apo ndipo nzika kapena wovomerezeka ku United States kwazaka 5 zapitazi kapena kupitilira apo.

Ngati simunakwanitse zaka 65, mutha kukhala oyenerera ngati:

• amalandila zopunduka kuchokera ku Railroad Retirement Board kapena Social Security
• ali ndi ESRD kapena alandila impso
• ali ndi amyotrophic lateral sclerosis (ALS)

Kuti mutenge Medicare Part A popanda kulipiritsa pamwezi, inu kapena mnzanu muyenera kukwaniritsa zofunikira pogwira ntchito yomwe mudalipira misonkho ya Medicare kwa zaka 10 kapena kupitilira apo.

Mutha kugwiritsa ntchito chida chovomerezeka pa Medicare kuti mudziwe kuyenerera kwanu.

Ndingalembetse liti ku mapulani a Medicare Nevada?

Mapulani a Medicare, Medicare Advantage, ndi Medigap akhazikitsa nthawi yomwe mungalembetse kapena kusintha mapulani ndi kuphimba. Ngati mwaphonya nthawi yolembetsa, mungafunike kulipira chindapusa pambuyo pake.

Nthawi yoyamba kulembetsa (IEP)

Zenera loyambirira kulembetsa ndi pamene mutakwanitsa zaka 65. Mutha kulembetsa nthawi iliyonse m'miyezi itatu isanafike, mwezi wa, kapena miyezi itatu mutakwanitsa zaka 65 zakubadwa.

Ngati mungalembetse mwezi wanu wobadwa usanachitike, kufalitsa kwanu kumayamba mwezi womwe mungakwanitse zaka 65. Mukadikira mpaka mwezi wanu wobadwa kapena kupitilira apo, padzakhala kuchedwa kwa miyezi iwiri kapena itatu kusanachitike.

Pa IEP yanu mumatha kulembetsa magawo A, B, ndi D.

Nthawi yolembetsa

Ngati mwaphonya IEP yanu ndipo muyenera kulembetsa ku Medicare yoyambirira kapena kusintha zosankha, mutha kuchita izi panthawi yolembetsa. Nthawi yonse yolembetsa imachitika pachaka pakati pa Januware 1 ndi Marichi 31, koma kufalitsa kwanu sikudzayamba mpaka Julayi 1.

Mutha kulembetsa magawo A ndi B kapena kusintha kuchokera ku Medicare yoyambirira kupita ku Medicare Advantage panthawi yolembetsa onse.

Kulembetsa kwa Medicare Zopindulitsa

Mutha kusintha njira imodzi ya Medicare Advantage kupita ku ina kapena kusinthira ku Medicare yoyambirira panthawi yolembetsa ku Medicare Advantage. Kulembetsa poyera kwa Medicare Advantage kumachitika chaka chilichonse pakati Januware 1 ndi Marichi 31.

Tsegulani nthawi yolembetsa

Mukamalembetsa anthu onse, mutha kulembetsa nawo gawo la C (Medicare Advantage) koyamba kapena kulembetsa gawo la D ngati simunachite pa IEP.

Kulembetsa kotseguka kumachitika chaka chilichonse pakati Ogasiti 15 ndi Disembala 7.

Nthawi zolembetsa zapadera (SEPs)

SEPs zimakulolani kuti mulembetse kunja kwa nthawi yolembetsa pazifukwa zina, monga kutaya dongosolo lolembedwera ndi olemba anzawo ntchito, kapena kuchoka m'dera lanu. Mwanjira iyi, simuyenera kudikirira kulembetsa kuti mutsegule.

Malangizo pakulembetsa ku Medicare ku Nevada

Pokhala ndi njira zambiri zomwe zilipo, ndikofunikira kulingalira za zomwe mumafunikira paumoyo wanu komanso zosowa zanu chaka chilichonse kuti mudziwe njira yabwino kwambiri.

Ngati mukuyembekeza ndalama zothandizira chisamaliro chokwanira mchaka chikubwerachi, mungafune dongosolo la Medicare Advantage kotero kuti ndalamazo zimalipira mukadzafika kunja kwa mthumba. Dongosolo la Medigap litha kuthandizanso pakuwononga ndalama zambiri kuchipatala.

Zinthu zina zofunika kuziganizira ndi izi:

• mtengo umafunika pamwezi
• deductibles, copays, ndi coinsurance
• opereka maukonde a pulani

Mutha kuwunikiranso kuchuluka kwa nyenyezi za CMS kuti muwone momwe mapulani ena amapindulira pamkhalidwe komanso kukhutira ndi odwala.

Zida za Nevada Medicare

Kuti mumve zambiri zamapulani a Medicare ku Nevada, pezani izi:

• Dongosolo La State Health Insurance (SHIP): 800-307-4444
• SeniorRx kuti athandizidwe kulipirira mankhwala akuchipatala: 866-303-6323
• Zambiri zamadongosolo a Medigap ndi MA
• Chida chowonjezera cha Medicare
• Medicare: itanani 800-MEDICARE (800-633-4227) kapena pitani ku Medicare.gov

Ndiyenera kuchita chiyani kenako?

Kupeza ndikulembetsa ku Medicare ku Nevada:

• Dziwani zosowa zanu zaumoyo komanso ndalama zomwe mungakhale nazo chisamaliro chaumoyo chaka chilichonse kuti musankhe dongosolo loyenera, kuphatikiza zowonjezera kapena gawo D.
• Mapulani ofufuzira omwe amapezeka kuchokera kwa omwe amanyamula mdera lanu.
• Chongani kalendala yanu pa nthawi yoyenera kulembetsa kuti musaphonye kulembetsa.

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.