Mapulani a Oregon Medicare mu 2021

Zamkati

• Medicare ndi chiyani?
• Mapulani owonjezera a Medicare
• Mapulani azamankhwala
• Mapulani a Medicare Advantage (Gawo C)
• Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Oregon?
• Ndani ali woyenera ku Medicare ku Oregon?
• Ndingalembetse liti ku mapulani a Medicare Oregon?
• Malangizo polembetsa ku Medicare ku Oregon
• Zida za Medicare Oregon
• Ndiyenera kuchita chiyani kenako?

Kaya mukugula mapulani a Medicare ku Oregon koyamba kapena mukuganiza zosintha momwe mungapezere Medicare, ndikofunikira kuti mumvetsetse zonse zomwe mungasankhe.

Pemphani kuti mudziwe za mapulani osiyanasiyana a Medicare omwe akupezeka ku Oregon, nthawi zolembetsa, ndi zina zambiri.

Medicare ndi chiyani?

Medicare ndi pulogalamu ya inshuwaransi yadziko lonse yoyendetsedwa ndi boma. Amapezeka kwa anthu azaka 65 kapena kupitilira apo, komanso amisinkhu iliyonse omwe ali ndi zilema kapena matenda ena.

Gawo A ndi B limapanga Medicare yoyambirira yomwe mungapeze kuchokera kuboma. Kwa zaka zambiri, pulogalamu yoyambirira ya Medicare yakula ndikuphatikiza mapulani omwe mungagule kwa inshuwaransi payokha. Ndondomekozi zitha kuwonjezera kapena kusinthira zomwe mumapeza pansi pa Medicare yoyambirira.

Gawo A ndi inshuwaransi ya chipatala. Zimathandizira kulipira mtengo wa:

• chithandizo chamankhwala ogona kuchipatala mumapita kuchipatala
• kukhala pang'ono pamalo osamalira anthu okalamba
• chisamaliro cha odwala
• ntchito zochepa zakuchipatala

Ngati inu kapena mnzanu mudalipira misonkho ya Medicare pazaka zanu zogwira ntchito, simuyenera kulipira gawo la Gawo A.

Gawo B limathandizira kulipira mtengo wa chisamaliro cha kuchipatala, monga ntchito kapena zinthu zomwe mumalandira kuchokera kwa dokotala woyambirira kapena katswiri, kuphatikiza chisamaliro chodzitchinjiriza. Mumalipira gawo la Part B. Ndalamazo zimadalira pazinthu zosiyanasiyana, kuphatikiza ndalama zomwe mumapeza.

Gawo A ndi B limafotokoza ntchito zambiri, koma pali zambiri zomwe choyambirira Medicare sichikuphimba. Palibe kufotokozedwa kwa mankhwala akuchipatala, chisamaliro cha nthawi yayitali, kapena mano, masomphenya, kapena kumva.

Ngakhale ndi ntchito yomwe Medicare imalipira, kufalitsa si 100%. Muyenerabe kulipira ndalama zochuluka m'thumba mukawona dokotala, monga ma copays, ndalama zandalama, ndi zochotseredwa.

Mutha kukulitsa kufalitsa kwanu pogula mapulani omwe amaperekedwa kudzera kuma inshuwaransi wamba. Izi zikuphatikiza chowonjezera cha Medicare, mankhwala akuchipatala, ndi mapulani a Medicare Advantage.

Mapulani owonjezera a Medicare

Mapulani owonjezera a Medicare, omwe nthawi zina amatchedwa Medigap, amawonjezera kufalitsa kwa Medicare yanu yoyambirira. Angakuthandizeni kutsitsa ndalama zomwe mumalipira m'thumba mukafuna chisamaliro. Amathanso kuwonjezera mano, masomphenya, chisamaliro cha nthawi yayitali, kapena zina.

Mapulani azamankhwala

Mapulani a Gawo D ndi mapulani a mankhwala. Amangoyang'ana pakuthandizira kulipira mtengo wa mankhwala.

Mapulani a Medicare Advantage (Gawo C)

Cholinga cha Medicare Advantage (Gawo C) chimapereka "zonse-m'modzi" m'malo mwa Medicare yoyambirira kuphatikiza zowonjezera. M'malo mokhala ndi malingaliro aboma komanso achinsinsi, mutha kupeza dongosolo la Medicare Advantage lomwe limaphatikizira zopindulitsa zambiri, kuphatikiza kufotokozera zamankhwala, masomphenya ndi mano, chisamaliro cha nthawi yayitali, kumva, ndi zina zambiri.

Kuphatikiza apo, mapulani a Medicare Advantage nthawi zambiri amakhala ndi zowonjezera zambiri, monga kuchotsera ndi mapulogalamu azaumoyo ndi thanzi.

Ndi mapulani ati a Medicare Advantage omwe amapezeka ku Oregon?

Makampani a inshuwaransi otsatirawa amapereka mapulani a Medicare Advantage ku Oregon:

• Aetna Medicare
• Ndondomeko Zaumoyo wa Atrio
• Health Net
• Humana
• Kaiser Permanente
• Lasso Healthcare
• Gawo la Moda Health Plan, Inc.
• PacificSource Medicare
• Mapulani a Providence Medicare Advantage
• Regence BlueCross BlueShield waku Oregon
• UnitedHealthcare

Mapulani amakonzedwa mosiyanasiyana, choncho zosankha zanu zimatengera zomwe zikupezeka m'dera lomwe mukukhala.

Ndani ali woyenera ku Medicare ku Oregon?

Kuyenerera kwa Medicare kumadalira msinkhu wanu kapena thanzi lanu. Mukuyenera kulembetsa 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 Oregon?

Ngati kuyenerera kwanu kwa Medicare kuli kokwanira zaka, mutha kuyamba njira yolembetsa miyezi itatu isanathe mwezi wanu wazaka 65. Iyi ndi nthawi yanu yoyamba kulembetsa. Zimakhala kwa miyezi itatu ndi mwezi womwe mumakwanitsa zaka 65.

Nthawi zambiri zimakhala zomveka kulembetsa nawo gawo A panthawi yoyamba kulembetsa, popeza mukuyenera kulandira zabwino za Part A popanda kulipira.

Ngati inu kapena mnzanu musankha kupitiliza kugwira ntchito ndikupitiliza kukhala oyenerera kulandira chithandizo chothandizidwa ndi olemba anzawo ntchito, mungafune kusiya kulembetsa mu Gawo B kapena china chilichonse chowonjezera. Zikatero, mudzayenerera kulembetsa nthawi yapadera pambuyo pake.

Mutha kusintha mapulani a Medicare omwe adalipo kale kapena kulembetsa koyamba ku Medicare panthawi yolembetsa kuyambira pa Okutobala 15 mpaka Disembala 7.

Palinso nthawi yolembetsa ya Medicare Advantage chaka chilichonse. Pakadali pano mutha kusintha mawonekedwe kuchokera ku Medicare yoyambirira kupita ku dongosolo la Medicare Advantage. Nthawi yolembetsa kulembetsa mapulani a Medicare Advantage kuyambira Januware 1 mpaka Marichi 31.

Malangizo polembetsa ku Medicare ku Oregon

Mukamagula mapulani a Medicare ku Oregon, mudzafunika kudziwa kuti makampani a inshuwaransi achinsinsi amasinthasintha, kuti athe kupanga mapulani awo m'njira zosiyanasiyana.

Mwachitsanzo, malingaliro ena a Medicare Advantage atha kukhala mapulani a Health Maintenance Organisation (HMO), omwe amafunikira kuti musankhe dokotala woyang'anira wamkulu yemwe amayang'anira chisamaliro chanu ndipo akuyenera kukutumizirani ngati mukufuna kuwona akatswiri.

Ena atha kukhala mapulani a Preferred Provider Organisation (PPO) omwe amakupatsani mwayi wolumikizana ndi maukonde onse osafunikira kutumizidwa.

Ndi mtundu wanji wamapulani wabwino kwa inu? Izi zimadalira momwe mikhalidwe yanu ilili komanso zokonda zanu. Mungafune kuganizira mafunso otsatirawa mukamayesa zomwe mungasankhe:

• Kodi ndondomekoyi indiwononga ndalama zingati? Kodi ndalamazo ndi zochuluka motani? Kodi pamakhala ndalama zakuthumba ndikawona dokotala kapena ndikulemba mankhwala?
• Kodi ndidzakhala ndi mwayi wopeza madotolo ndi zipatala zomwe zili zondiyenera? Kodi ma netiwekiwa amaphatikizira omwe amapereka kale omwe ndili nawo ubale? Kodi ndiphimbidwa ngati ndikufunika chisamaliro ndili paulendo?
• Ndi mitundu iti yamapulogalamu yomwe ikuphatikizidwa? Kodi mapulogalamuwa angandithandizire?

Zida za Medicare Oregon

Izi zitha kukhala zothandiza ngati mungafune kudziwa zambiri za mapulani a Medicare ku Oregon:

• Thandizo la Senior Health Insurance, kudzera ku OregonHealthCare.gov
• Medicare.gov, tsamba lovomerezeka la Medicare
• Ntchito Zachitetezo Cha Anthu

Ndiyenera kuchita chiyani kenako?

Mukakhala okonzeka kutenga gawo lotsatira kulembetsa ku Medicare, ganizirani izi:

• Chitani kafukufuku wina pazomwe mungasankhe. Mndandanda womwe uli pamwambapa ungakhale poyambira poyang'ana mapulani a Medicare Advantage ku Oregon. Kungakhalenso kothandiza kulumikizana ndi wothandizila wa inshuwaransi yemwe angakupatseni chitsogozo cha makonda anu.
• Ngati mukuyenerera kulembetsa, mutha kuyamba ntchitoyi pomaliza kugwiritsa ntchito intaneti patsamba la SSA. Tsambali limaphatikizaponso mndandanda womwe ungafotokozere zomwe mukufuna kutsatira.

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.