Mapulani A New Mexico Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Mankhwala Oyambirira
• Kuphunzira mankhwala osokoneza bongo
• Mapulani a Medicare Advantage
• Kodi ndi mapulani otani a Medicare Advantage omwe akupezeka ku New Mexico?
• Ndani ali woyenera ku Medicare ku New Mexico?
• Ndingalembetse liti ku mapulani a Medicare New Mexico?
• Nthawi yoyamba kulembetsa
• Nthawi yolembetsa (Januware 1 mpaka Marichi 31) komanso nthawi yakulembetsa pachaka (Okutobala 15 mpaka Disembala 7)
• Nthawi yolembetsa yapadera
• Malangizo pakulembetsa ku Medicare ku New Mexico
• Zida zatsopano za Mexico Medicare
• Ndiyenera kuchita chiyani kenako?

Medicare New Mexico imapereka chithandizo chamankhwala kwa anthu azaka 65 kapena kupitilira apo m'boma, ndipo mu 2018, anthu 409,851 adalembetsa nawo mapulani a Medicare ku New Mexico. Pali mitundu ingapo yamapulani ndi omwe amakupatsirani ma inshuwaransi, choncho fufuzani zomwe mungasankhe musanalembetse Medicare New Mexico.

Medicare ndi chiyani?

Pali mitundu inayi yayikulu yamapulani a Medicare ku New Mexico, ndipo kumvetsetsa iliyonse kungakuthandizeni kupanga chisankho chazidziwitso pazakusowa kwanu. Mtundu uliwonse umapereka njira zosiyanasiyana zofotokozera, kuyambira pazofunikira mpaka zambiri.

Mankhwala Oyambirira

Amadziwikanso kuti Gawo A ndi Gawo B, choyambirira Medicare New Mexico imapereka chithandizo chamankhwala kwa anthu azaka 65 kapena kupitilira mu United States. Ngati mukuyenerera kulandira maubwino azachitetezo cha anthu, mwina mwalembetsa kale mu Gawo A ndipo mutha kuyenererana ndi kufalitsa kwaulere.

Kuphunzira koyambirira kwa Medicare kumaphatikizapo:

• ntchito zachipatala
• chisamaliro cha odwala
• ntchito zanthawi yopita kunyumba
• malo aunamwino waluso kwakanthawi amakhala
• ntchito za kuchipatala
• Katemera wa chimfine wapachaka
• kuyesa magazi
• kusankhidwa kwa adotolo

Kuphunzira mankhwala osokoneza bongo

Mapulani a Medicare Part D ku New Mexico amapereka chithandizo chamankhwala. Pali malingaliro angapo omwe mungasankhe, aliwonse ali ndi mndandanda wazosankha zomwe zakonzedwa.

Mutha kuwonjezera gawo la D ku Medicare yanu yoyambirira kuti muchepetse mtengo wamankhwala.

Mapulani a Medicare Advantage

Mapulani a Medicare Advantage (Gawo C) ku New Mexico, omwe amadziwikanso kuti Gawo C, amakupatsirani njira zingapo paziwonetsero zonse zoyambirira.

Mapulani onsewa m'modzi amaphatikizapo ntchito zonse zoyendetsedwa ndi Medicare yoyambirira, komanso kufotokozera zamankhwala. Malingaliro ena a Medicare Advantage ku New Mexico amaphatikizanso zowonjezera zowonjezera zaumoyo ndi thanzi, zopewetsa thanzi, chisamaliro cha mano, kapena zosowa zamasomphenya.

Kodi ndi mapulani otani a Medicare Advantage omwe akupezeka ku New Mexico?

Othandizira othandizira ku New Mexico ndi awa:

• Aetna
• Chabwino
• Kusamalira Magulu Amerigroup ku New Mexico
• Blue Cross Blue Shield ya NM
• CHRISTUS Health Plan Mibadwo
• Cigna
• Humana
• Makampani a Imperial Insurance, Inc.
• Lasso Healthcare
• Molina Healthcare wa New Mexico, Inc.
• Kampani ya Insurance ya Presbyterian, Inc.
• UnitedHealthcare

Aliyense wonyamulirayu amapereka mapulani angapo a Medicare Advantage ndipo amapereka chilichonse kuyambira pakufalitsa mpaka kukafika pazaumoyo komanso mankhwala.

Sikuti onse omwe amanyamula amakhala ndi inshuwaransi m'maboma onse, chifukwa chake yang'anani zofunikira za wothandizira aliyense, ndikukugwiritsani ntchito ZIP code mukasaka kuti muwonetsetse kuti mukungoyang'ana mapulani omwe amapezeka mdera lanu.

Ndani ali woyenera ku Medicare ku New Mexico?

Anthu ambiri azaka 65 kapena kupitilira apo amayenera kulandira Medicare New Mexico. Kuti mukhale woyenera muyenera:

• khalani azaka 65 kapena kupitilira apo
• khalani nzika kapena wokhala ku United States kwazaka 5 kapena kupitilira apo

Ngati simunakwanitse zaka 65, mutha kuyeneranso kulandira Medicare New Mexico ngati:

• kukhala ndi chilema chosatha
• akhala akuyenera kulandira phindu la Social Security kwa miyezi 24
• kukhala ndi matenda osachiritsika monga amyotrophic lateral sclerosis (ALS) kapena matenda a impso (ESRD)

Muyeneranso kulandira gawo laulere la A ngati mungakwaniritse izi:

• inu kapena mnzanu mukuyenera kulandira phindu kuchokera ku Social Security
• inu kapena mnzanu muli woyenera kupindula ndi Railroad Retirement Board
• mumagwira ntchito komwe mumalipira misonkho ya Medicare

Ndingalembetse liti ku mapulani a Medicare New Mexico?

Nthawi yoyamba kulembetsa

Uwu ndi mwayi wanu woyamba kulembetsa ku Medicare New Mexico. Miyezi 7 iyi imayamba miyezi itatu isanakwane mwezi womwe mungakwanitse zaka 65, kuphatikiza mwezi wanu wobadwa, ndikutambalala miyezi itatu mutakwanitsa zaka 65. Mutha kulembetsa ku Medicare magawo A ndi B panthawiyi.

Nthawi yolembetsa (Januware 1 mpaka Marichi 31) komanso nthawi yakulembetsa pachaka (Okutobala 15 mpaka Disembala 7)

Mpata wanu wotsatira kulembetsa ku Medicare ndi nthawi imeneyi chaka chilichonse.

Munthawi ziwirizi mutha:

• onjezani gawo la D ku Medicare yanu yoyambirira
• sinthani kuchokera ku Medicare yoyambirira kupita ku pulani ya Advantage
• sintha kuchoka pa pulani ya Advantage kubwerera ku Medicare yoyambirira
• sinthani pakati pa mapulani a Medicare Advantage ku New Mexico

Nthawi yolembetsa yapadera

Muthanso kulembetsa panthawiyi ngati mwangotaya kumene ntchito kwa abwana anu kapena mwachoka kunja kwa mapulani anu. Mutha kuyeneranso kulembetsa mwapadera ngati mwasamukira kumene kunyumba yosungirako anthu okalamba, kapena ngati mungayenerere kukonzekera zosowa zapadera chifukwa chakulemala kapena matenda osachiritsika.

Malangizo pakulembetsa ku Medicare ku New Mexico

Ndi madongosolo ambiri a Medicare ku New Mexico, zingatenge nthawi kuti mupeze njira yoyenera pazosowa zanu komanso bajeti. Nawa maupangiri okuthandizani kuwunika zomwe mungasankhe.

1. Fufuzani ngati dokotala kapena mankhwala omwe mumakonda akuphimbidwa. Chithandizo chilichonse cha Medicare Part D ndi Advantage Plan chimagwira ndi angapo madotolo ovomerezeka ndi netiweki. Itanani ofesi ya dokotala kuti mudziwe omwe amanyamula omwe amagwira nawo ntchito, ndipo onetsetsani kuti mukungoganiza mapulani omwe angakwaniritse nthawi yomwe a dokotala anu asankhidwa.
2. Lembani mndandanda wathunthu wamankhwala anu aposachedwa ndi malangizo. Ndondomeko iliyonse ili ndi mndandanda wazakumwa, chifukwa chake yerekezerani mndandanda wanu motsutsana ndi anu ndipo musankhe njira yomwe ingakupatseni mankhwala oyenera.
3. Yerekezerani mavoti. Kuti mudziwe zomwe ena amaganiza za pulani iliyonse, yerekezerani kuchuluka kwa nyenyezi za pulani iliyonse kuti muwone zomwe zikuyenda bwino. CMS imagwiritsa ntchito dongosolo la nyenyezi 1 mpaka 5, pomwe 4 kapena 5 ikuwonetsa kuti anthu omwe adalembetsa nawo mapulani chaka chatha anali ndi zokumana nazo zabwino.

Zida zatsopano za Mexico Medicare

Ngati mukufuna upangiri wamomwe mungasankhire pulani, kapena kuti mumve bwino masiku anu oyenerera kapena kulembetsa, funsani mabungwe aliwonse aboma kuti akuthandizeni.

• New Mexico department of Okalamba & Ntchito Zakale, 800-432-2080. Dipatimenti ya Okalamba imapereka uphungu mosakondera pa Medicare, State Health Insurance Assistance Program (SHIP), zidziwitso za Ombudsman, komanso mwayi wopezeka kuzakudya monga chakudya kapena golosale.
• Kulipira Senior Care, 206-462-5728. Dziwani za Thandizo Lamankhwala Losankhidwa ku New Mexico, komanso thandizo lazandalama posamalira ndi kuthandizidwa.
• Mankhwala, 800-633-4227. Lumikizanani ndi Medicare kuti mufunse za mapulani a Medicare ku New Mexico, funsani za Star Ratings, kapena funsani za nthawi yapadera yolembetsa.

Ndiyenera kuchita chiyani kenako?

Kodi mwakonzeka kulembetsa ku Medicare New Mexico? Onetsetsani kuti mukuyenera kulandira Medicare ndikuyamba kulembetsa ndi:

• Kudziwa nthawi yomwe mungalembetse ku Medicare, mwina panthawi yomwe munalembetsa koyamba kapena nthawi yolembetsa.
• Onaninso zosankha zanu, ndipo sankhani ndondomeko yomwe imapereka chithandizo chamankhwala ndi mankhwala omwe mukufunikira pamtengo woyenera.
• Itanani Medicare kapena wothandizira inshuwaransi kuti ayambe kulembetsa.

Nkhaniyi idasinthidwa pa Novembala 20, 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.