Mapulani a North Dakota Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Gawo A ndi B
• Gawo C
• Gawo D
• Kusinkhasinkha
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku North Dakota?
• Ndani ali woyenera ku Medicare ku North Dakota?
• Ndingalembetse liti ku Medicare North Dakota?
• Kulembetsa koyamba (miyezi 7 kuzungulira tsiku lanu lobadwa la 65)
• Kulembetsa wamba (Januware 1 mpaka Marichi 31) ndikulembetsa pachaka (Okutobala 15 mpaka Disembala 7)
• Kulembetsa mwapadera
• Malangizo olembetsera ku Medicare ku North Dakota
• Zida za Medicare ku North Dakota
• Ndiyenera kuchita chiyani kenako?

Medicare ndi dongosolo la inshuwaransi yothandizidwa ndi boma lomwe limapezeka ku North Dakota kwa anthu azaka zapakati pa 65 kapena kupitilira apo kapena omwe ali ndi mavuto azaumoyo kapena olumala.

Kuchokera ku Medicare yoyambirira mpaka kufalitsa mankhwala ndi mapulani a Advantage ku North Dakota, Medicare ili ndi mapulani osiyanasiyana ndi njira zokutira kuti zigwirizane ndi bajeti yanu ndi zosowa zanu zathanzi.

Medicare ndi chiyani?

Mukamaganizira zomwe mungasankhe pa mapulani a Medicare ku North Dakota, muyenera kusankha kaye pazomwe mungafune.

Gawo A ndi B

Mapulani a Medicare ku North Dakota amapereka inshuwaransi yothandizidwa ndi boma kuchipatala ndi chisamaliro chamankhwala. Medicare Yoyambirira itha kugawidwa mu Gawo A (inshuwaransi ya chipatala) ndi Gawo B (inshuwaransi ya zamankhwala).

Kuphunzira koyambirira kwa Medicare kumaphatikizapo:

• chisamaliro cha odwala kuchipatala komanso kuchipatala
• kuyezetsa thupi pachaka
• mayeso a labu
• chithandizo chamankhwala chanyumba chochepa, chanthawi yochepa
• osowa kwambiri, osamalira anthu osamalira odwala kwakanthawi
• ntchito zama ambulansi
• chisamaliro chaumoyo

Anthu ambiri amalembetsa mu Gawo A atakwanitsa zaka 65.

Gawo C

Madongosolo a Medicare Advantage (Gawo C) ku North Dakota amaperekedwa ndi omwe amakhala ndi ma inshuwaransi, ndipo amapereka chithandizo chamankhwala chochulukirapo kuposa choyambirira cha Medicare.

Kupindulitsa kwa mapulani ndi monga:

• Chilichonse choyambirira Medicare chimakwirira
• Kuphunzira mankhwala pamndandanda wina wa mankhwala
• Chophimba chofunikirako pazantchito zina monga mano, kumva, kapena masomphenya

Gawo D

Kuphimba mankhwala osokoneza bongo kumaperekedwa ndi omwe amakhala ndi inshuwaransi yazaumoyo monga gawo la D. Mutha kuwonjezera gawo la D mu dongosolo lanu loyambirira la Medicare North Dakota kuti muthandizire kulipira mtengo wamankhwala anu.

Ndondomeko iliyonse ili ndi mndandanda wapadera wa mankhwala okutidwa, omwe amadziwika kuti formulary. Chifukwa chake, poyerekeza mapulani a Gawo D, yang'anani mndandanda motsutsana ndi zomwe mukulemba kuti mutsimikizire kuti akuphatikizidwa.

Kusinkhasinkha

Mapulani a Medicare supplement (Medigap) ku North Dakota amaperekedwa ndi omwe amakhala ndi ma inshuwaransi achinsinsi, ndipo amalipira ndalama zotuluka m'mapaketi monga ma copay ndi ma chitsimikiziro omwe Medicare sakukonzekera.

Simungagule zonse Gawo C ndi Medigap. Muyenera kulembetsa ku Medicare yoyambirira ndipo mutha kusankha Gawo C kapena Medigap.

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku North Dakota?

Mapulani a Medicare Advantage ku North Dakota onse amaperekedwa ndi omwe amakhala ndi ma inshuwaransi. Wonyamula aliyense amakhala ndi mapulani a inshuwaransi yapadera ndi njira zosiyanasiyana zofotokozera ndi mitengo ya premium.

Othandizira ndi mapulani amasiyanasiyana kudera lanu, chifukwa chake mukamafunafuna mapulani a Medicare Advantage ku North Dakota, onetsetsani kuti mukuyang'ana pa omwe amapezeka mu ZIP code yanu ndi County.

Onyamula omwe atchulidwa pansipa akupereka gawo lovomerezeka ndi Medicare kwa C kwa anthu okhala ku North Dakota:

• Aetna
• HealthPartner
• Humana
• Lasso Healthcare
• Medica
• EnaBlue waku North Dakota
• UnitedHealthcare

Ndani ali woyenera ku Medicare ku North Dakota?

Muyenera kukwaniritsa zofunikira zingapo pazoyimira za Medicare ku North Dakota:

• muyenera kukhala wazaka 65 kapena kupitirira
• muyenera kukhala nzika yaku U.S. kapena wokhala ku United States

Kodi ndinu ochepera zaka 65? Mutha kukhala oyenerabe ku Medicare ngati:

• muli ndi chilema
• mwakhala mukulandira zopindulitsa kuchokera ku Social Security kwa miyezi 24 kapena kupitilira apo
• muli ndi matenda osachiritsika monga matenda a impso (ESRD) kapena amyotrophic lateral sclerosis (ALS)

Ndingalembetse liti ku Medicare North Dakota?

Mudzakhala ndi mipata ingapo yolembetsa ku Medicare kapena kusintha zomwe mumachita. Ndikofunika kuzindikira madetiwo kuti musaphonye mwayi wosintha zomwe mukufuna.

Kulembetsa koyamba (miyezi 7 kuzungulira tsiku lanu lobadwa la 65)

Mpata wanu woyamba kulembetsa mapulani a Medicare ku North Dakota ndi zenera la miyezi 7 kuzungulira tsiku lanu lobadwa la 65. Mutha kuyamba kulembetsa miyezi 3 tsiku lanu lobadwa lisanafike. Ikupitilira mwezi wobadwa ndi miyezi itatu mutabadwa.

Nthawi yoyamba kulembetsa iyi imatha kuyambitsidwa ndi Social Security Administration, komabe muyenera kusankha ngati mukufuna kulembetsa mapulani azamankhwala kapena Advantage.

Kulembetsa wamba (Januware 1 mpaka Marichi 31) ndikulembetsa pachaka (Okutobala 15 mpaka Disembala 7)

Mukalembetsa ku Medicare, mudzakhala ndi mipata iwiri pachaka yowunikiranso zomwe mwapeza, kusintha zosintha zanu, kusinthana ndi pulani ya Advantage, kapena kusiya dongosolo la Advantage ndikubwerera ku Medicare North Dakota.

Munthawi yolembetsa kuyambira Januware 1 mpaka Marichi 31 komanso nthawi yolembetsa kuyambira pa Okutobala 15 mpaka Disembala 7, mutha kusintha zomwe mumalemba. Dziwani kuti Medicare Advantage yotseguka kulembetsa imapezekanso kuyambira Januware 1 mpaka Marichi 31.

Kulembetsa mwapadera

Kodi mwasamukira kudera latsopano posachedwa kapena mwasiya ntchito? Mutha kusintha kusintha komwe mukuphunzira kapena kulembetsa nawo mapulani a Medicare ku North Dakota munthawi yolembetsa. Zina mwazomwe zingadzetse nthawi yolembetsa ndi monga:

• kuchoka pazomwe mukufotokozera pano
• kusamukira kumalo osamalirako anthu kwakanthawi
• kujowina dongosolo la Programme of All-inclusive Care for the Elderly (PACE)
• kutaya chithandizo chamankhwala chothandizidwa ndi olemba anzawo ntchito
• kulembetsa kuchipatala chothandizidwa ndi olemba anzawo ntchito

Malangizo olembetsera ku Medicare ku North Dakota

Pokhala ndi njira zambiri zofotokozera - komanso maboma ndi mabungwe omwe mungasankhe - zitenga kanthawi kuti muganizire zomwe mungasankhe, yerekezerani mapulani, ndikupeza zomwe zikugwirizana ndi zosowa zanu zaumoyo komanso bajeti yanu yapano. Nazi njira zomwe mungatsatire:

1. Yambitsani kusaka kwanu pogwiritsa ntchito zip code yanu mukamayang'ana mapulani azakumwa kapena mapulani a Medicare Advantage ku North Dakota. Mwanjira imeneyi, simudzawononga nthawi yanu powerenga zolemba zabwino pazinthu zomwe sizinaperekedwe m'chigawo chanu.
2. Kenako, itanani ofesi ya dokotala wanu. Madokotala ambiri amalandira chithandizo choyambirira cha Medicare koma amagwira ntchito ndi ochepa okha omwe amapereka inshuwaransi. Pezani omwe amanyamula omwe amavomereza.
3. Chachitatu, lembani mndandanda wathunthu wamankhwala anu onse komanso mankhwala omwe mumalemba. Ngati mukuganiza za gawo C (Medicare Advantage) kapena Gawo D, onani mndandandawu motsutsana ndi mndandanda wa mankhwala omwe akonzedwa ndi pulani iliyonse.
4. Pakadali pano, muyenera kukhala ndi mndandanda wafupifupi wamapulani omwe mungasankhe. Pezani zomwe mamembala amaganiza za pulani iliyonse poyang'ana momwe nyenyezi ziliri. Mu kachitidwe ka nyenyezi, mamembala amawerengera mapulani awo pamlingo wa 1 mpaka 5, kutengera momwe anali okhutira chaka chatha. Dongosololi limapanga mapulani potengera kuyankha, madandaulo amembala, ndi kasitomala, pakati pamagulu ena. Konzekerani kusankha pulani yokhala ndi nyenyezi 4 kapena kupitilira apo, ngati zingatheke.

Zida za Medicare ku North Dakota

Ngati mungafune kupeza zowonjezera zowonjezera zamakonzedwe a Medicare ku North Dakota, mutha kulumikizana ndi mabungwe am'madera anu nthawi iliyonse. Izi ndi zina zofunika kuzikumbukira:

• Pulogalamu ya State Health Insurance Counselling (SHIC). Pulogalamu ya SHIC ikupatsirani upangiri waulere za Medicare kapena inshuwaransi ina yazaumoyo. Mutha kuyimba SHIC pa 888-575-6611.
• Dipatimenti ya Akuluakulu ndi Ntchito Zokalamba. Lumikizanani ndi Akuluakulu ndi Ntchito Zokalamba (855-462-5465) kuti mudziwe zambiri zamomwe mungathandizire okhala, chisamaliro chapakhomo, ndi chisamaliro cha nthawi yayitali.
• North Dakota Senior Medicare Patrol. Medicare Patrol imazindikira ndikuletsa chinyengo cha Medicare ndi nkhanza kudzera pakufikira, maphunziro, ndi upangiri. Mutha kufika ku Medicare Patrol pa 800-233-1737.

Ndiyenera kuchita chiyani kenako?

Ngati mukuyandikira zaka 65 kapena mukufuna kupuma pantchito, yerekezerani mapulani a Medicare ku North Dakota kuti mupeze omwe angakwaniritse zosowa zanu zaumoyo komanso bajeti. Kumbukirani kuti:

• Sankhani za kuchuluka kwa chithandizo chamankhwala chomwe mukufuna kukhala nacho. Mutha kusankha pakati pa Medicare yoyambirira, mapulani owonjezera a Gawo D, kapena mapulani a Medicare Advantage ku North Dakota kuti mumve zambiri.
• Chepetsani kusaka kwanu pogwiritsa ntchito njira zomwe zili pamwambazi ndikusankha mapulani anu apamwamba.
• Lumikizanani ndi Medicare, wonyamula mapulani, kapena mlangizi wa SHIC kwanuko kuti akupatseni upangiri wamapulani kapena kuti muyambe kulembetsa ngati mwasankha dongosolo.

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.